Home > Bank of Alma > Performance and Condition Ratios
Bank of Alma, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 2,321 |
| Cost of funding earning assets | 0.6707% | 3,968 |
| Net interest margin | 4.2098% | 921 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 0.5556% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.7788% | 190 |
| Return on assets (ROA) | 2.7788% | 191 |
| Pretax return on assets | 3.6317% | 137 |
| Return on Equity (ROE) | 5.9700% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.9714% | 2,256 |
| 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 | 13.2677% | 4,542 |
| Assets per employee ($millions) | 17.0571% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,157 |
| Loan loss allowance to noncurrent loans | 316.3793% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 1,746 |
| Noncurrent loans to loans | 0.4628% | 1,624 |
| Net loans and leases to total assets | 64.3500% | 2,428 |
| Net loans and leases to deposits | 123.6609% | 64 |
| Net loans and leases to core deposits | 125.3691% | 499 |
| Total domestic deposits to total assets | 52.0400% | 4,466 |
| Equity capital to assets | 47.4261% | 131 |
| Core capital (leverage) ratio | 47.8093% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $303,297,800 | 2,416 |
| Average earning assets | $295,952,000 | 2,332 |
| Average equity | $141,140,000 | 706 |
| Average total loans | $197,815,600 | 2,297 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 2,387 |
| Cost of funding earning assets | 0.6360% | 3,907 |
| Net interest margin | 4.1064% | 1,059 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 0.5349% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.6881% | 222 |
| Return on assets (ROA) | 2.6881% | 221 |
| Pretax return on assets | 3.5510% | 155 |
| Return on Equity (ROE) | 5.8000% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.8046% | 2,689 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 13.0909% | 4,570 |
| Assets per employee ($millions) | 20.5337% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,212 |
| Loan loss allowance to noncurrent loans | 255.5265% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 1,543 |
| Noncurrent loans to loans | 0.5734% | 1,398 |
| Net loans and leases to total assets | 64.1100% | 2,435 |
| Net loans and leases to deposits | 120.8978% | 70 |
| Net loans and leases to core deposits | 122.3238% | 499 |
| Total domestic deposits to total assets | 53.0300% | 4,491 |
| Equity capital to assets | 46.5031% | 137 |
| Core capital (leverage) ratio | 46.7740% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $302,365,500 | 2,422 |
| Average earning assets | $294,751,750 | 2,334 |
| Average equity | $140,022,250 | 706 |
| Average total loans | $197,141,000 | 2,308 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 2,610 |
| Cost of funding earning assets | 0.6033% | 3,740 |
| Net interest margin | 3.9103% | 1,407 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.5098% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5778% | 226 |
| Return on assets (ROA) | 2.5778% | 223 |
| Pretax return on assets | 3.3998% | 153 |
| Return on Equity (ROE) | 5.5700% | 3,783 |
| Retained earnings to average equity (ytd only) | 5.5746% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 13.0405% | 4,595 |
| Assets per employee ($millions) | 17.7211% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,222 |
| Loan loss allowance to noncurrent loans | 173.6251% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5613% | 969 |
| Noncurrent loans to loans | 0.8557% | 890 |
| Net loans and leases to total assets | 64.6200% | 2,317 |
| Net loans and leases to deposits | 122.3712% | 79 |
| Net loans and leases to core deposits | 123.4208% | 441 |
| Total domestic deposits to total assets | 52.8100% | 4,514 |
| Equity capital to assets | 46.8223% | 133 |
| Core capital (leverage) ratio | 46.5129% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $300,485,667 | 2,437 |
| Average earning assets | $295,371,000 | 2,341 |
| Average equity | $138,952,333 | 706 |
| Average total loans | $196,056,000 | 2,314 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,721 |
| Cost of funding earning assets | 0.5379% | 3,568 |
| Net interest margin | 3.7962% | 1,696 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 0.5265% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4619% | 254 |
| Return on assets (ROA) | 2.4619% | 251 |
| Pretax return on assets | 3.2563% | 165 |
| Return on Equity (ROE) | 5.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,936 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 13.9183% | 4,661 |
| Assets per employee ($millions) | 15.8992% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,379 |
| Loan loss allowance to noncurrent loans | 197.4445% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 1,050 |
| Noncurrent loans to loans | 0.7427% | 1,029 |
| Net loans and leases to total assets | 65.3100% | 2,129 |
| Net loans and leases to deposits | 121.0757% | 77 |
| Net loans and leases to core deposits | 122.0888% | 391 |
| Total domestic deposits to total assets | 53.9400% | 4,568 |
| Equity capital to assets | 45.9554% | 93 |
| Core capital (leverage) ratio | 46.4408% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $300,099,500 | 2,471 |
| Average earning assets | $295,239,500 | 2,371 |
| Average equity | $137,900,500 | 720 |
| Average total loans | $195,274,000 | 2,338 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 2,396 |
| Cost of funding earning assets | 0.2262% | 3,543 |
| Net interest margin | 3.5281% | 1,845 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 0.4920% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.3507% | 173 |
| Return on assets (ROA) | 2.3507% | 167 |
| Pretax return on assets | 3.0564% | 127 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1700% | 2,976 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 13.8658% | 4,700 |
| Assets per employee ($millions) | 17.5876% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,091 |
| Loan loss allowance to noncurrent loans | 194.5659% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,017 |
| Noncurrent loans to loans | 0.7928% | 940 |
| Net loans and leases to total assets | 62.6800% | 2,362 |
| Net loans and leases to deposits | 116.4944% | 92 |
| Net loans and leases to core deposits | 117.5496% | 414 |
| Total domestic deposits to total assets | 53.8000% | 4,603 |
| Equity capital to assets | 46.1096% | 89 |
| Core capital (leverage) ratio | 46.6182% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $295,311,200 | 2,471 |
| Average earning assets | $289,163,800 | 2,391 |
| Average equity | $134,274,400 | 731 |
| Average total loans | $180,606,200 | 2,368 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 2,198 |
| Cost of funding earning assets | 0.1809% | 3,509 |
| Net interest margin | 3.4693% | 1,749 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 0.4765% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.3143% | 187 |
| Return on assets (ROA) | 2.3143% | 185 |
| Pretax return on assets | 3.0186% | 134 |
| Return on Equity (ROE) | 5.1100% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.1082% | 3,061 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 13.6322% | 4,740 |
| Assets per employee ($millions) | 16.5280% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 1,070 |
| Loan loss allowance to noncurrent loans | 200.9582% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 1,111 |
| Noncurrent loans to loans | 0.7933% | 1,015 |
| Net loans and leases to total assets | 60.9100% | 2,411 |
| Net loans and leases to deposits | 112.4177% | 99 |
| Net loans and leases to core deposits | 114.1109% | 360 |
| Total domestic deposits to total assets | 54.1900% | 4,642 |
| Equity capital to assets | 45.7241% | 90 |
| Core capital (leverage) ratio | 45.4874% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $294,391,500 | 2,499 |
| Average earning assets | $288,194,250 | 2,411 |
| Average equity | $133,377,250 | 746 |
| Average total loans | $178,175,250 | 2,391 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 2,343 |
| Cost of funding earning assets | 0.1317% | 3,819 |
| Net interest margin | 3.3016% | 1,905 |
| Noninterest income to average assets | 0.0845% | 4,543 |
| Noninterest expense to average assets | 0.4827% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1612% | 172 |
| Return on assets (ROA) | 2.1612% | 170 |
| Pretax return on assets | 2.8314% | 120 |
| Return on Equity (ROE) | 4.7852% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.7852% | 2,786 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.5649% | 4,762 |
| Assets per employee ($millions) | 15.4985% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 1,181 |
| Loan loss allowance to noncurrent loans | 245.2799% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 1,274 |
| Noncurrent loans to loans | 0.6465% | 1,324 |
| Net loans and leases to total assets | 61.8777% | 2,136 |
| Net loans and leases to deposits | 113.7694% | 68 |
| Net loans and leases to core deposits | 115.8446% | 246 |
| Total domestic deposits to total assets | 54.3887% | 4,711 |
| Equity capital to assets | 45.5362% | 46 |
| Core capital (leverage) ratio | 45.6036% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,354,000 | 2,518 |
| Average earning assets | $286,955,667 | 2,447 |
| Average equity | $132,492,667 | 757 |
| Average total loans | $176,180,667 | 2,408 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 2,364 |
| Cost of funding earning assets | 0.1162% | 3,940 |
| Net interest margin | 3.1923% | 1,909 |
| Noninterest income to average assets | 0.0710% | 4,603 |
| Noninterest expense to average assets | 0.4385% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1107% | 182 |
| Return on assets (ROA) | 2.1107% | 182 |
| Pretax return on assets | 2.7487% | 127 |
| Return on Equity (ROE) | 4.6927% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.6927% | 2,709 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.7591% | 4,788 |
| Assets per employee ($millions) | 16.3139% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 940 |
| Loan loss allowance to noncurrent loans | 241.8451% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 1,349 |
| Noncurrent loans to loans | 0.7284% | 1,308 |
| Net loans and leases to total assets | 55.7562% | 2,550 |
| Net loans and leases to deposits | 102.4754% | 133 |
| Net loans and leases to core deposits | 104.3485% | 384 |
| Total domestic deposits to total assets | 54.4093% | 4,742 |
| Equity capital to assets | 45.1102% | 40 |
| Core capital (leverage) ratio | 45.5144% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,795,500 | 2,533 |
| Average earning assets | $285,813,500 | 2,472 |
| Average equity | $131,693,500 | 779 |
| Average total loans | $171,697,000 | 2,444 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 1,853 |
| Cost of funding earning assets | 0.1402% | 4,064 |
| Net interest margin | 3.6640% | 1,305 |
| Noninterest income to average assets | 0.7849% | 1,489 |
| Noninterest expense to average assets | 0.4881% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.0408% | 100 |
| Return on assets (ROA) | 3.0408% | 100 |
| Pretax return on assets | 3.8961% | 82 |
| Return on Equity (ROE) | 6.8660% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.8660% | 1,976 |
| Net charge-offs to loans | -0.0053% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1333% | 4,831 |
| Assets per employee ($millions) | 16.2078% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 1,139 |
| Loan loss allowance to noncurrent loans | 226.8934% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 1,380 |
| Noncurrent loans to loans | 0.7322% | 1,389 |
| Net loans and leases to total assets | 59.5713% | 2,202 |
| Net loans and leases to deposits | 108.5737% | 89 |
| Net loans and leases to core deposits | 110.4127% | 278 |
| Total domestic deposits to total assets | 54.8672% | 4,785 |
| Equity capital to assets | 44.7928% | 38 |
| Core capital (leverage) ratio | 46.1085% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,007,200 | 2,501 |
| Average earning assets | $280,951,800 | 2,434 |
| Average equity | $126,667,000 | 819 |
| Average total loans | $168,965,000 | 2,474 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 1,850 |
| Cost of funding earning assets | 0.1454% | 4,152 |
| Net interest margin | 3.7258% | 1,285 |
| Noninterest income to average assets | 1.0256% | 1,025 |
| Noninterest expense to average assets | 0.5055% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.2745% | 97 |
| Return on assets (ROA) | 3.2745% | 99 |
| Pretax return on assets | 4.1811% | 78 |
| Return on Equity (ROE) | 7.4154% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.4154% | 2,266 |
| Net charge-offs to loans | -0.0072% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.7868% | 4,908 |
| Assets per employee ($millions) | 15.7143% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,101 |
| Loan loss allowance to noncurrent loans | 285.8812% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 1,839 |
| Noncurrent loans to loans | 0.5965% | 1,821 |
| Net loans and leases to total assets | 59.8297% | 2,284 |
| Net loans and leases to deposits | 110.8003% | 91 |
| Net loans and leases to core deposits | 113.1395% | 269 |
| Total domestic deposits to total assets | 53.9978% | 4,855 |
| Equity capital to assets | 45.5957% | 38 |
| Core capital (leverage) ratio | 45.6149% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,573,750 | 2,534 |
| Average earning assets | $279,625,500 | 2,453 |
| Average equity | $125,664,000 | 836 |
| Average total loans | $167,023,750 | 2,530 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 1,704 |
| Cost of funding earning assets | 0.1500% | 4,204 |
| Net interest margin | 3.7945% | 1,148 |
| Noninterest income to average assets | 1.5024% | 542 |
| Noninterest expense to average assets | 0.5253% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.7118% | 80 |
| Return on assets (ROA) | 3.7118% | 80 |
| Pretax return on assets | 4.7036% | 71 |
| Return on Equity (ROE) | 8.4970% | 3,263 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,896 |
| Net charge-offs to loans | -0.0109% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0469% | 4,946 |
| Assets per employee ($millions) | 14.5956% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 1,039 |
| Loan loss allowance to noncurrent loans | 277.5047% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 1,926 |
| Noncurrent loans to loans | 0.6160% | 1,867 |
| Net loans and leases to total assets | 60.8791% | 2,320 |
| Net loans and leases to deposits | 113.3576% | 82 |
| Net loans and leases to core deposits | 115.8117% | 267 |
| Total domestic deposits to total assets | 53.7053% | 4,890 |
| Equity capital to assets | 45.8951% | 37 |
| Core capital (leverage) ratio | 43.5472% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,145,667 | 2,523 |
| Average earning assets | $280,040,000 | 2,448 |
| Average equity | $124,561,667 | 842 |
| Average total loans | $165,308,667 | 2,551 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 2,684 |
| Cost of funding earning assets | 0.1563% | 4,261 |
| Net interest margin | 3.4305% | 2,021 |
| Noninterest income to average assets | 0.2560% | 3,865 |
| Noninterest expense to average assets | 0.4774% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5323% | 251 |
| Return on assets (ROA) | 2.5323% | 272 |
| Pretax return on assets | 3.1495% | 203 |
| Return on Equity (ROE) | 5.9413% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.9413% | 2,921 |
| Net charge-offs to loans | -0.0222% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.1629% | 4,967 |
| Assets per employee ($millions) | 16.2187% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 927 |
| Loan loss allowance to noncurrent loans | 337.0838% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 2,450 |
| Noncurrent loans to loans | 0.5221% | 2,289 |
| Net loans and leases to total assets | 56.1354% | 3,019 |
| Net loans and leases to deposits | 98.3083% | 335 |
| Net loans and leases to core deposits | 100.2030% | 705 |
| Total domestic deposits to total assets | 57.1014% | 4,900 |
| Equity capital to assets | 42.5160% | 36 |
| Core capital (leverage) ratio | 43.0673% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.6528% | 46 |
| Memoranda: | ||
| Average total assets | $289,060,000 | 2,493 |
| Average earning assets | $284,043,000 | 2,421 |
| Average equity | $123,205,000 | 844 |
| Average total loans | $162,081,000 | 2,574 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 2,734 |
| Cost of funding earning assets | 0.2315% | 4,455 |
| Net interest margin | 3.7661% | 1,601 |
| Noninterest income to average assets | 0.1086% | 4,714 |
| Noninterest expense to average assets | 0.4748% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.5777% | 128 |
| Return on assets (ROA) | 2.5777% | 133 |
| Pretax return on assets | 3.3300% | 97 |
| Return on Equity (ROE) | 6.2707% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.2707% | 1,676 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.4795% | 4,995 |
| Assets per employee ($millions) | 15.8991% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 779 |
| Loan loss allowance to noncurrent loans | 394.4744% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 2,807 |
| Noncurrent loans to loans | 0.4716% | 2,555 |
| Net loans and leases to total assets | 53.9581% | 3,489 |
| Net loans and leases to deposits | 94.3985% | 638 |
| Net loans and leases to core deposits | 96.2490% | 1,103 |
| Total domestic deposits to total assets | 57.1599% | 4,925 |
| Equity capital to assets | 42.7314% | 38 |
| Core capital (leverage) ratio | 43.5655% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,320,200 | 2,350 |
| Average earning assets | $282,971,800 | 2,271 |
| Average equity | $118,520,200 | 830 |
| Average total loans | $156,782,000 | 2,600 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,063 |
| Cost of funding earning assets | 0.2482% | 4,518 |
| Net interest margin | 3.7209% | 1,877 |
| Noninterest income to average assets | 0.1232% | 4,672 |
| Noninterest expense to average assets | 0.5031% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.5036% | 142 |
| Return on assets (ROA) | 2.5036% | 150 |
| Pretax return on assets | 3.2740% | 102 |
| Return on Equity (ROE) | 6.1507% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.1507% | 2,043 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3203% | 5,027 |
| Assets per employee ($millions) | 15.3506% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 659 |
| Loan loss allowance to noncurrent loans | 303.3161% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 2,614 |
| Noncurrent loans to loans | 0.6088% | 2,276 |
| Net loans and leases to total assets | 56.3038% | 3,594 |
| Net loans and leases to deposits | 99.9743% | 535 |
| Net loans and leases to core deposits | 101.8441% | 1,038 |
| Total domestic deposits to total assets | 56.3183% | 4,951 |
| Equity capital to assets | 43.5315% | 35 |
| Core capital (leverage) ratio | 42.7569% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.1090% | 47 |
| Memoranda: | ||
| Average total assets | $288,854,500 | 2,334 |
| Average earning assets | $283,655,000 | 2,251 |
| Average equity | $117,577,750 | 833 |
| Average total loans | $156,641,000 | 2,604 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,454 |
| Cost of funding earning assets | 0.2626% | 4,583 |
| Net interest margin | 3.6909% | 2,195 |
| Noninterest income to average assets | 0.1044% | 4,765 |
| Noninterest expense to average assets | 0.4941% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.5075% | 138 |
| Return on assets (ROA) | 2.5075% | 149 |
| Pretax return on assets | 3.2365% | 91 |
| Return on Equity (ROE) | 6.2978% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.2978% | 1,939 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.2455% | 5,057 |
| Assets per employee ($millions) | 16.4395% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 682 |
| Loan loss allowance to noncurrent loans | 216.9755% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 2,117 |
| Noncurrent loans to loans | 0.8220% | 1,855 |
| Net loans and leases to total assets | 54.4698% | 3,837 |
| Net loans and leases to deposits | 91.6062% | 1,202 |
| Net loans and leases to core deposits | 93.2642% | 1,804 |
| Total domestic deposits to total assets | 59.4608% | 4,965 |
| Equity capital to assets | 40.0566% | 40 |
| Core capital (leverage) ratio | 40.7727% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.1064% | 50 |
| Memoranda: | ||
| Average total assets | $293,036,000 | 2,293 |
| Average earning assets | $287,901,000 | 2,202 |
| Average equity | $116,676,333 | 830 |
| Average total loans | $156,021,333 | 2,602 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 4,021 |
| Cost of funding earning assets | 0.2933% | 4,679 |
| Net interest margin | 3.6105% | 2,626 |
| Noninterest income to average assets | 0.1427% | 4,652 |
| Noninterest expense to average assets | 0.4829% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4431% | 118 |
| Return on assets (ROA) | 2.4431% | 128 |
| Pretax return on assets | 3.2058% | 69 |
| Return on Equity (ROE) | 6.1547% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.1547% | 1,818 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.0904% | 5,100 |
| Assets per employee ($millions) | 15.5897% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 606 |
| Loan loss allowance to noncurrent loans | 225.8488% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 2,276 |
| Noncurrent loans to loans | 0.8414% | 1,933 |
| Net loans and leases to total assets | 53.8491% | 3,998 |
| Net loans and leases to deposits | 92.6395% | 1,217 |
| Net loans and leases to core deposits | 94.6377% | 1,913 |
| Total domestic deposits to total assets | 58.1275% | 5,035 |
| Equity capital to assets | 41.5656% | 44 |
| Core capital (leverage) ratio | 39.1065% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.8522% | 53 |
| Memoranda: | ||
| Average total assets | $291,598,500 | 2,256 |
| Average earning assets | $286,388,000 | 2,152 |
| Average equity | $115,748,500 | 826 |
| Average total loans | $151,977,500 | 2,620 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 2,785 |
| Cost of funding earning assets | 0.3480% | 4,598 |
| Net interest margin | 4.2004% | 1,323 |
| Noninterest income to average assets | 0.1839% | 4,563 |
| Noninterest expense to average assets | 0.6174% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.0275% | 77 |
| Return on assets (ROA) | 3.0275% | 79 |
| Pretax return on assets | 3.6721% | 73 |
| Return on Equity (ROE) | 6.8092% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.8092% | 1,479 |
| Net charge-offs to loans | 0.0042% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,527.6667% | 55 |
| Efficiency ratio | 14.3925% | 5,164 |
| Assets per employee ($millions) | 16.8102% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 494 |
| Loan loss allowance to noncurrent loans | 219.9098% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 2,231 |
| Noncurrent loans to loans | 0.8878% | 1,733 |
| Net loans and leases to total assets | 48.5794% | 4,397 |
| Net loans and leases to deposits | 78.4268% | 2,962 |
| Net loans and leases to core deposits | 79.7635% | 3,313 |
| Total domestic deposits to total assets | 61.9423% | 5,070 |
| Equity capital to assets | 37.9592% | 53 |
| Core capital (leverage) ratio | 40.7625% | 50 |
| Tier 1 risk-based capital ratio | 59.5477% | 94 |
| Total risk-based capital ratio | 60.8008% | 93 |
| Memoranda: | ||
| Average total assets | $249,611,400 | 2,467 |
| Average earning assets | $243,974,000 | 2,376 |
| Average equity | $110,982,000 | 820 |
| Average total loans | $141,859,400 | 2,702 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 2,061 |
| Cost of funding earning assets | 0.3540% | 4,642 |
| Net interest margin | 4.4655% | 833 |
| Noninterest income to average assets | 0.1839% | 4,620 |
| Noninterest expense to average assets | 0.6588% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.0793% | 76 |
| Return on assets (ROA) | 3.0793% | 80 |
| Pretax return on assets | 3.8865% | 70 |
| Return on Equity (ROE) | 6.6160% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.6160% | 2,047 |
| Net charge-offs to loans | 0.0048% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,377.2774% | 57 |
| Efficiency ratio | 14.4949% | 5,242 |
| Assets per employee ($millions) | 12.1963% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 431 |
| Loan loss allowance to noncurrent loans | 183.9196% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 1,934 |
| Noncurrent loans to loans | 1.1043% | 1,437 |
| Net loans and leases to total assets | 57.9032% | 3,886 |
| Net loans and leases to deposits | 108.1817% | 263 |
| Net loans and leases to core deposits | 109.6107% | 968 |
| Total domestic deposits to total assets | 53.5240% | 5,194 |
| Equity capital to assets | 46.2271% | 39 |
| Core capital (leverage) ratio | 47.1119% | 39 |
| Tier 1 risk-based capital ratio | 62.0536% | 88 |
| Total risk-based capital ratio | 63.3077% | 87 |
| Memoranda: | ||
| Average total assets | $236,368,500 | 2,564 |
| Average earning assets | $230,862,750 | 2,488 |
| Average equity | $110,013,000 | 823 |
| Average total loans | $139,844,250 | 2,754 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 1,453 |
| Cost of funding earning assets | 0.3476% | 4,688 |
| Net interest margin | 4.6642% | 531 |
| Noninterest income to average assets | 0.1796% | 4,674 |
| Noninterest expense to average assets | 0.6620% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.2500% | 73 |
| Return on assets (ROA) | 3.2500% | 79 |
| Pretax return on assets | 4.0736% | 62 |
| Return on Equity (ROE) | 6.9663% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.9663% | 1,824 |
| Net charge-offs to loans | 0.0072% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 952.6000% | 73 |
| Efficiency ratio | 13.9787% | 5,288 |
| Assets per employee ($millions) | 11.6922% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 433 |
| Loan loss allowance to noncurrent loans | 207.5124% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,058 |
| Noncurrent loans to loans | 0.9865% | 1,656 |
| Net loans and leases to total assets | 59.9130% | 3,737 |
| Net loans and leases to deposits | 114.4399% | 136 |
| Net loans and leases to core deposits | 115.5746% | 700 |
| Total domestic deposits to total assets | 52.3533% | 5,245 |
| Equity capital to assets | 47.5107% | 38 |
| Core capital (leverage) ratio | 47.4975% | 40 |
| Tier 1 risk-based capital ratio | 69.4981% | 69 |
| Total risk-based capital ratio | 70.7548% | 68 |
| Memoranda: | ||
| Average total assets | $233,849,330 | 2,587 |
| Average earning assets | $228,422,000 | 2,514 |
| Average equity | $109,097,330 | 820 |
| Average total loans | $138,402,670 | 2,783 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 3,221 |
| Cost of funding earning assets | 0.3386% | 4,711 |
| Net interest margin | 4.0633% | 1,658 |
| Noninterest income to average assets | 0.1522% | 4,828 |
| Noninterest expense to average assets | 0.5987% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7197% | 112 |
| Return on assets (ROA) | 2.7197% | 122 |
| Pretax return on assets | 3.5150% | 86 |
| Return on Equity (ROE) | 5.8837% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.8837% | 2,502 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.5530% | 5,350 |
| Assets per employee ($millions) | 11.6220% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 398 |
| Loan loss allowance to noncurrent loans | 216.4576% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 2,178 |
| Noncurrent loans to loans | 0.9868% | 1,700 |
| Net loans and leases to total assets | 57.8152% | 3,907 |
| Net loans and leases to deposits | 108.9973% | 246 |
| Net loans and leases to core deposits | 110.0632% | 925 |
| Total domestic deposits to total assets | 53.0427% | 5,308 |
| Equity capital to assets | 46.8471% | 37 |
| Core capital (leverage) ratio | 46.5074% | 38 |
| Tier 1 risk-based capital ratio | 68.5919% | 68 |
| Total risk-based capital ratio | 69.8492% | 66 |
| Memoranda: | ||
| Average total assets | $233,852,000 | 2,611 |
| Average earning assets | $227,994,500 | 2,533 |
| Average equity | $108,095,500 | 824 |
| Average total loans | $136,088,500 | 2,840 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,325 |
| Cost of funding earning assets | 0.2886% | 4,627 |
| Net interest margin | 3.9490% | 2,163 |
| Noninterest income to average assets | 0.2907% | 4,162 |
| Noninterest expense to average assets | 0.6923% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 3.0671% | 74 |
| Return on assets (ROA) | 3.0671% | 76 |
| Pretax return on assets | 3.4621% | 68 |
| Return on Equity (ROE) | 6.7640% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.7640% | 1,776 |
| Net charge-offs to loans | 0.0015% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3,948.5000% | 18 |
| Efficiency ratio | 16.6631% | 5,390 |
| Assets per employee ($millions) | 11.7633% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 347 |
| Loan loss allowance to noncurrent loans | 178.6236% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 1,853 |
| Noncurrent loans to loans | 1.2176% | 1,313 |
| Net loans and leases to total assets | 56.0755% | 4,127 |
| Net loans and leases to deposits | 103.3134% | 523 |
| Net loans and leases to core deposits | 104.6924% | 1,361 |
| Total domestic deposits to total assets | 54.2771% | 5,352 |
| Equity capital to assets | 45.6081% | 38 |
| Core capital (leverage) ratio | 46.6165% | 39 |
| Tier 1 risk-based capital ratio | 69.6387% | 64 |
| Total risk-based capital ratio | 70.8965% | 64 |
| Memoranda: | ||
| Average total assets | $228,096,400 | 2,629 |
| Average earning assets | $223,168,600 | 2,538 |
| Average equity | $103,430,600 | 828 |
| Average total loans | $135,881,200 | 2,818 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,362 |
| Cost of funding earning assets | 0.2794% | 4,637 |
| Net interest margin | 3.9086% | 2,268 |
| Noninterest income to average assets | 0.2268% | 4,613 |
| Noninterest expense to average assets | 0.7335% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.6230% | 126 |
| Return on assets (ROA) | 2.6230% | 124 |
| Pretax return on assets | 3.3252% | 84 |
| Return on Equity (ROE) | 5.7932% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.7932% | 2,760 |
| Net charge-offs to loans | 0.0020% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2,818.4082% | 20 |
| Efficiency ratio | 18.0723% | 5,459 |
| Assets per employee ($millions) | 11.3491% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 408 |
| Loan loss allowance to noncurrent loans | 203.2571% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 2,093 |
| Noncurrent loans to loans | 1.0366% | 1,649 |
| Net loans and leases to total assets | 60.0369% | 3,838 |
| Net loans and leases to deposits | 112.0906% | 233 |
| Net loans and leases to core deposits | 114.0150% | 818 |
| Total domestic deposits to total assets | 53.5611% | 5,420 |
| Equity capital to assets | 46.1521% | 38 |
| Core capital (leverage) ratio | 45.9032% | 40 |
| Tier 1 risk-based capital ratio | 67.2757% | 69 |
| Total risk-based capital ratio | 68.5331% | 67 |
| Memoranda: | ||
| Average total assets | $226,304,250 | 2,654 |
| Average earning assets | $221,865,500 | 2,560 |
| Average equity | $102,463,250 | 833 |
| Average total loans | $136,136,750 | 2,830 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,654 |
| Cost of funding earning assets | 0.2689% | 4,639 |
| Net interest margin | 3.7697% | 2,673 |
| Noninterest income to average assets | 0.2521% | 4,499 |
| Noninterest expense to average assets | 0.7909% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5487% | 138 |
| Return on assets (ROA) | 2.5487% | 139 |
| Pretax return on assets | 3.1564% | 95 |
| Return on Equity (ROE) | 5.6658% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.6658% | 2,740 |
| Net charge-offs to loans | 0.0030% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,784.0000% | 37 |
| Efficiency ratio | 20.0359% | 5,519 |
| Assets per employee ($millions) | 11.1967% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 394 |
| Loan loss allowance to noncurrent loans | 237.1059% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 2,401 |
| Noncurrent loans to loans | 0.9162% | 1,890 |
| Net loans and leases to total assets | 58.9837% | 3,901 |
| Net loans and leases to deposits | 109.9619% | 281 |
| Net loans and leases to core deposits | 111.8815% | 895 |
| Total domestic deposits to total assets | 53.6402% | 5,485 |
| Equity capital to assets | 46.0785% | 42 |
| Core capital (leverage) ratio | 45.6462% | 42 |
| Tier 1 risk-based capital ratio | 69.1621% | 69 |
| Total risk-based capital ratio | 70.4209% | 69 |
| Memoranda: | ||
| Average total assets | $226,078,330 | 2,670 |
| Average earning assets | $221,610,000 | 2,575 |
| Average equity | $101,698,670 | 840 |
| Average total loans | $135,113,670 | 2,855 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 4,082 |
| Cost of funding earning assets | 0.2531% | 4,693 |
| Net interest margin | 3.5966% | 3,195 |
| Noninterest income to average assets | 0.1708% | 4,995 |
| Noninterest expense to average assets | 0.8030% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2945% | 207 |
| Return on assets (ROA) | 2.2945% | 207 |
| Pretax return on assets | 2.8968% | 125 |
| Return on Equity (ROE) | 5.1627% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.1627% | 3,092 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7040% | 5,585 |
| Assets per employee ($millions) | 11.2785% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 436 |
| Loan loss allowance to noncurrent loans | 160.0327% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,694 |
| Noncurrent loans to loans | 1.3311% | 1,337 |
| Net loans and leases to total assets | 59.7799% | 3,770 |
| Net loans and leases to deposits | 110.2549% | 248 |
| Net loans and leases to core deposits | 111.5186% | 913 |
| Total domestic deposits to total assets | 54.2198% | 5,546 |
| Equity capital to assets | 45.0448% | 42 |
| Core capital (leverage) ratio | 44.9229% | 39 |
| Tier 1 risk-based capital ratio | 66.8370% | 68 |
| Total risk-based capital ratio | 68.0954% | 67 |
| Memoranda: | ||
| Average total assets | $227,151,000 | 2,685 |
| Average earning assets | $222,875,500 | 2,587 |
| Average equity | $100,955,500 | 848 |
| Average total loans | $135,162,000 | 2,871 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 3,713 |
| Cost of funding earning assets | 0.1897% | 5,023 |
| Net interest margin | 3.7145% | 2,739 |
| Noninterest income to average assets | 0.2045% | 4,920 |
| Noninterest expense to average assets | 0.7108% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7150% | 510 |
| Return on assets (ROA) | 1.7150% | 524 |
| Pretax return on assets | 3.1153% | 91 |
| Return on Equity (ROE) | 3.9102% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.9102% | 2,859 |
| Net charge-offs to loans | 0.1114% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 46.4106% | 1,157 |
| Efficiency ratio | 18.5779% | 5,650 |
| Assets per employee ($millions) | 11.4365% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 360 |
| Loan loss allowance to noncurrent loans | 155.3383% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 1,769 |
| Noncurrent loans to loans | 1.4275% | 1,203 |
| Net loans and leases to total assets | 56.6631% | 4,133 |
| Net loans and leases to deposits | 101.5291% | 626 |
| Net loans and leases to core deposits | 102.6436% | 1,514 |
| Total domestic deposits to total assets | 55.8097% | 5,607 |
| Equity capital to assets | 43.8528% | 39 |
| Core capital (leverage) ratio | 44.0738% | 36 |
| Tier 1 risk-based capital ratio | 101.8998% | 41 |
| Total risk-based capital ratio | 103.1707% | 41 |
| Memoranda: | ||
| Average total assets | $224,957,200 | 2,682 |
| Average earning assets | $219,330,200 | 2,588 |
| Average equity | $98,665,200 | 838 |
| Average total loans | $135,556,000 | 2,841 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,579 |
| Cost of funding earning assets | 0.1846% | 5,104 |
| Net interest margin | 3.7478% | 2,585 |
| Noninterest income to average assets | 0.2030% | 4,999 |
| Noninterest expense to average assets | 0.6749% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0153% | 311 |
| Return on assets (ROA) | 2.0153% | 314 |
| Pretax return on assets | 3.1777% | 102 |
| Return on Equity (ROE) | 4.5947% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.5947% | 3,145 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5189% | 5,721 |
| Assets per employee ($millions) | 12.6013% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3324% | 329 |
| Loan loss allowance to noncurrent loans | 130.1053% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3169% | 1,219 |
| Noncurrent loans to loans | 1.7927% | 1,003 |
| Net loans and leases to total assets | 57.0460% | 4,151 |
| Net loans and leases to deposits | 102.5325% | 578 |
| Net loans and leases to core deposits | 103.4622% | 1,437 |
| Total domestic deposits to total assets | 55.6370% | 5,676 |
| Equity capital to assets | 44.1069% | 39 |
| Core capital (leverage) ratio | 44.1381% | 40 |
| Tier 1 risk-based capital ratio | 67.4832% | 67 |
| Total risk-based capital ratio | 68.7432% | 66 |
| Memoranda: | ||
| Average total assets | $224,014,250 | 2,712 |
| Average earning assets | $218,148,250 | 2,615 |
| Average equity | $98,255,500 | 844 |
| Average total loans | $136,309,000 | 2,849 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 3,529 |
| Cost of funding earning assets | 0.1778% | 5,159 |
| Net interest margin | 3.7297% | 2,543 |
| Noninterest income to average assets | 0.1999% | 5,048 |
| Noninterest expense to average assets | 0.7002% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0316% | 288 |
| Return on assets (ROA) | 2.0316% | 296 |
| Pretax return on assets | 3.1290% | 107 |
| Return on Equity (ROE) | 4.6406% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.6406% | 2,952 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2861% | 5,768 |
| Assets per employee ($millions) | 13.0774% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 402 |
| Loan loss allowance to noncurrent loans | 120.3740% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 1,064 |
| Noncurrent loans to loans | 1.8675% | 945 |
| Net loans and leases to total assets | 60.4390% | 3,805 |
| Net loans and leases to deposits | 109.9316% | 263 |
| Net loans and leases to core deposits | 110.9611% | 956 |
| Total domestic deposits to total assets | 54.9787% | 5,720 |
| Equity capital to assets | 44.5494% | 38 |
| Core capital (leverage) ratio | 44.3883% | 38 |
| Tier 1 risk-based capital ratio | 65.4511% | 72 |
| Total risk-based capital ratio | 66.7109% | 71 |
| Memoranda: | ||
| Average total assets | $223,077,670 | 2,739 |
| Average earning assets | $217,068,670 | 2,640 |
| Average equity | $97,659,000 | 851 |
| Average total loans | $137,584,000 | 2,842 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 3,811 |
| Cost of funding earning assets | 0.1730% | 5,212 |
| Net interest margin | 3.6118% | 2,844 |
| Noninterest income to average assets | 0.1683% | 5,266 |
| Noninterest expense to average assets | 0.6050% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1677% | 237 |
| Return on assets (ROA) | 2.1677% | 244 |
| Pretax return on assets | 3.0753% | 126 |
| Return on Equity (ROE) | 4.9954% | 4,391 |
| Retained earnings to average equity (ytd only) | 4.9954% | 2,898 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.4397% | 5,839 |
| Assets per employee ($millions) | 12.4447% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 427 |
| Loan loss allowance to noncurrent loans | 103.1031% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 925 |
| Noncurrent loans to loans | 2.2032% | 771 |
| Net loans and leases to total assets | 59.3478% | 3,851 |
| Net loans and leases to deposits | 106.3468% | 310 |
| Net loans and leases to core deposits | 107.3177% | 1,014 |
| Total domestic deposits to total assets | 55.8059% | 5,793 |
| Equity capital to assets | 43.6178% | 43 |
| Core capital (leverage) ratio | 43.6719% | 43 |
| Tier 1 risk-based capital ratio | 68.4620% | 68 |
| Total risk-based capital ratio | 69.7232% | 67 |
| Memoranda: | ||
| Average total assets | $223,459,000 | 2,762 |
| Average earning assets | $217,290,000 | 2,668 |
| Average equity | $96,968,500 | 849 |
| Average total loans | $137,648,500 | 2,854 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 3,348 |
| Cost of funding earning assets | 0.1718% | 5,272 |
| Net interest margin | 3.7870% | 2,364 |
| Noninterest income to average assets | 0.4169% | 3,763 |
| Noninterest expense to average assets | 0.6782% | 5,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3154% | 194 |
| Return on assets (ROA) | 2.3160% | 203 |
| Pretax return on assets | 3.4297% | 87 |
| Return on Equity (ROE) | 5.6014% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.6014% | 1,945 |
| Net charge-offs to loans | -0.0188% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.5139% | 5,900 |
| Assets per employee ($millions) | 9.2880% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2188% | 448 |
| Loan loss allowance to noncurrent loans | 116.3842% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 1,125 |
| Noncurrent loans to loans | 1.9064% | 969 |
| Net loans and leases to total assets | 61.0889% | 3,716 |
| Net loans and leases to deposits | 108.1174% | 270 |
| Net loans and leases to core deposits | 109.0980% | 954 |
| Total domestic deposits to total assets | 56.5023% | 5,849 |
| Equity capital to assets | 43.1698% | 42 |
| Core capital (leverage) ratio | 42.6164% | 44 |
| Tier 1 risk-based capital ratio | 66.1024% | 68 |
| Total risk-based capital ratio | 67.3628% | 67 |
| Memoranda: | ||
| Average total assets | $225,731,000 | 2,703 |
| Average earning assets | $219,965,200 | 2,602 |
| Average equity | $93,334,600 | 857 |
| Average total loans | $133,223,400 | 2,874 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,592 |
| Cost of funding earning assets | 0.1684% | 5,356 |
| Net interest margin | 3.7288% | 2,597 |
| Noninterest income to average assets | 0.5405% | 2,974 |
| Noninterest expense to average assets | 0.7348% | 5,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.3557% | 198 |
| Return on assets (ROA) | 2.3565% | 207 |
| Pretax return on assets | 3.4440% | 94 |
| Return on Equity (ROE) | 5.7616% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.7616% | 2,320 |
| Net charge-offs to loans | -0.0253% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5899% | 5,967 |
| Assets per employee ($millions) | 9.5578% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 509 |
| Loan loss allowance to noncurrent loans | 117.7143% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 1,136 |
| Noncurrent loans to loans | 1.8765% | 1,078 |
| Net loans and leases to total assets | 59.6375% | 3,926 |
| Net loans and leases to deposits | 111.0660% | 238 |
| Net loans and leases to core deposits | 112.2112% | 799 |
| Total domestic deposits to total assets | 53.6955% | 5,923 |
| Equity capital to assets | 41.7153% | 42 |
| Core capital (leverage) ratio | 41.7773% | 41 |
| Tier 1 risk-based capital ratio | 63.8084% | 73 |
| Total risk-based capital ratio | 65.0682% | 74 |
| Memoranda: | ||
| Average total assets | $226,435,500 | 2,709 |
| Average earning assets | $220,868,500 | 2,601 |
| Average equity | $92,610,500 | 865 |
| Average total loans | $131,713,000 | 2,905 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 3,783 |
| Cost of funding earning assets | 0.1652% | 5,456 |
| Net interest margin | 3.6829% | 2,767 |
| Noninterest income to average assets | 0.7079% | 2,108 |
| Noninterest expense to average assets | 0.7478% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.4436% | 164 |
| Return on assets (ROA) | 2.4449% | 167 |
| Pretax return on assets | 3.5608% | 89 |
| Return on Equity (ROE) | 6.0185% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.0185% | 2,109 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3635% | 6,044 |
| Assets per employee ($millions) | 9.3609% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3204% | 449 |
| Loan loss allowance to noncurrent loans | 102.6457% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.6211% | 1,131 |
| Noncurrent loans to loans | 2.2606% | 819 |
| Net loans and leases to total assets | 57.4310% | 4,177 |
| Net loans and leases to deposits | 104.0784% | 457 |
| Net loans and leases to core deposits | 105.6638% | 1,202 |
| Total domestic deposits to total assets | 55.1805% | 5,995 |
| Equity capital to assets | 41.4273% | 43 |
| Core capital (leverage) ratio | 41.0396% | 44 |
| Tier 1 risk-based capital ratio | 66.1344% | 77 |
| Total risk-based capital ratio | 67.3953% | 77 |
| Memoranda: | ||
| Average total assets | $225,452,000 | 2,731 |
| Average earning assets | $220,313,000 | 2,611 |
| Average equity | $91,584,330 | 876 |
| Average total loans | $128,987,330 | 2,947 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,028 |
| Cost of funding earning assets | 0.1616% | 5,534 |
| Net interest margin | 3.6161% | 3,018 |
| Noninterest income to average assets | 1.1654% | 812 |
| Noninterest expense to average assets | 0.8289% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.6513% | 128 |
| Return on assets (ROA) | 2.6513% | 129 |
| Pretax return on assets | 3.8628% | 82 |
| Return on Equity (ROE) | 6.5917% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.5917% | 2,089 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6670% | 6,103 |
| Assets per employee ($millions) | 9.4193% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4304% | 423 |
| Loan loss allowance to noncurrent loans | 90.2001% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 1,034 |
| Noncurrent loans to loans | 2.6945% | 662 |
| Net loans and leases to total assets | 54.4293% | 4,407 |
| Net loans and leases to deposits | 92.2964% | 1,305 |
| Net loans and leases to core deposits | 93.6009% | 2,037 |
| Total domestic deposits to total assets | 58.9723% | 6,041 |
| Equity capital to assets | 40.5557% | 45 |
| Core capital (leverage) ratio | 40.4734% | 46 |
| Tier 1 risk-based capital ratio | 59.4749% | 89 |
| Total risk-based capital ratio | 60.7339% | 89 |
| Memoranda: | ||
| Average total assets | $225,847,500 | 2,727 |
| Average earning assets | $220,239,000 | 2,619 |
| Average equity | $90,841,000 | 875 |
| Average total loans | $127,436,000 | 2,978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 3,610 |
| Cost of funding earning assets | 0.1466% | 5,704 |
| Net interest margin | 3.7808% | 2,443 |
| Noninterest income to average assets | 0.2653% | 4,972 |
| Noninterest expense to average assets | 0.7472% | 6,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2533% | 224 |
| Return on assets (ROA) | 2.2533% | 231 |
| Pretax return on assets | 3.1919% | 108 |
| Return on Equity (ROE) | 5.5184% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5184% | 2,076 |
| Net charge-offs to loans | -0.0525% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9686% | 6,167 |
| Assets per employee ($millions) | 9.4014% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3803% | 468 |
| Loan loss allowance to noncurrent loans | 83.1525% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.1242% | 808 |
| Noncurrent loans to loans | 2.8626% | 584 |
| Net loans and leases to total assets | 55.7090% | 4,319 |
| Net loans and leases to deposits | 96.0942% | 997 |
| Net loans and leases to core deposits | 97.4864% | 1,716 |
| Total domestic deposits to total assets | 57.9733% | 6,107 |
| Equity capital to assets | 39.8882% | 47 |
| Core capital (leverage) ratio | 40.3891% | 47 |
| Tier 1 risk-based capital ratio | 58.2767% | 90 |
| Total risk-based capital ratio | 59.5354% | 90 |
| Memoranda: | ||
| Average total assets | $214,133,600 | 2,800 |
| Average earning assets | $208,079,200 | 2,692 |
| Average equity | $87,435,200 | 872 |
| Average total loans | $106,733,200 | 3,266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,597 |
| Cost of funding earning assets | 0.1490% | 5,787 |
| Net interest margin | 3.7881% | 2,430 |
| Noninterest income to average assets | 0.2689% | 5,010 |
| Noninterest expense to average assets | 0.7580% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2506% | 234 |
| Return on assets (ROA) | 2.2506% | 246 |
| Pretax return on assets | 3.1865% | 108 |
| Return on Equity (ROE) | 5.4780% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.4780% | 2,589 |
| Net charge-offs to loans | -0.0738% | 5,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.2160% | 6,255 |
| Assets per employee ($millions) | 9.0633% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6617% | 349 |
| Loan loss allowance to noncurrent loans | 90.7342% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.0978% | 943 |
| Noncurrent loans to loans | 2.9335% | 617 |
| Net loans and leases to total assets | 51.5295% | 4,799 |
| Net loans and leases to deposits | 87.5918% | 1,961 |
| Net loans and leases to core deposits | 88.9324% | 2,567 |
| Total domestic deposits to total assets | 58.8292% | 6,187 |
| Equity capital to assets | 40.7626% | 47 |
| Core capital (leverage) ratio | 41.1171% | 46 |
| Tier 1 risk-based capital ratio | 62.5018% | 87 |
| Total risk-based capital ratio | 63.7630% | 87 |
| Memoranda: | ||
| Average total assets | $211,258,750 | 2,851 |
| Average earning assets | $204,986,250 | 2,737 |
| Average equity | $86,793,750 | 884 |
| Average total loans | $101,225,750 | 3,399 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,029 |
| Cost of funding earning assets | 0.1530% | 5,823 |
| Net interest margin | 3.6562% | 2,889 |
| Noninterest income to average assets | 0.2505% | 5,154 |
| Noninterest expense to average assets | 0.7439% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1380% | 289 |
| Return on assets (ROA) | 2.1380% | 304 |
| Pretax return on assets | 3.0492% | 131 |
| Return on Equity (ROE) | 5.1898% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.1898% | 2,735 |
| Net charge-offs to loans | -0.0414% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.6118% | 6,329 |
| Assets per employee ($millions) | 8.6839% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0300% | 265 |
| Loan loss allowance to noncurrent loans | 78.0469% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.5085% | 751 |
| Noncurrent loans to loans | 3.8823% | 410 |
| Net loans and leases to total assets | 46.5122% | 5,212 |
| Net loans and leases to deposits | 80.9713% | 2,672 |
| Net loans and leases to core deposits | 82.3295% | 3,138 |
| Total domestic deposits to total assets | 57.4429% | 6,267 |
| Equity capital to assets | 41.7918% | 46 |
| Core capital (leverage) ratio | 41.4684% | 46 |
| Tier 1 risk-based capital ratio | 68.1564% | 77 |
| Total risk-based capital ratio | 69.4199% | 78 |
| Memoranda: | ||
| Average total assets | $209,172,330 | 2,899 |
| Average earning assets | $202,669,000 | 2,791 |
| Average equity | $86,169,670 | 893 |
| Average total loans | $96,584,000 | 3,494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 4,718 |
| Cost of funding earning assets | 0.1554% | 5,887 |
| Net interest margin | 3.4354% | 3,687 |
| Noninterest income to average assets | 0.2214% | 5,369 |
| Noninterest expense to average assets | 0.7349% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0405% | 317 |
| Return on assets (ROA) | 2.0405% | 333 |
| Pretax return on assets | 2.8213% | 154 |
| Return on Equity (ROE) | 4.9892% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.9892% | 3,057 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6656% | 6,396 |
| Assets per employee ($millions) | 9.0593% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1559% | 256 |
| Loan loss allowance to noncurrent loans | 68.0307% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.7007% | 747 |
| Noncurrent loans to loans | 4.6389% | 324 |
| Net loans and leases to total assets | 42.4690% | 5,451 |
| Net loans and leases to deposits | 70.9352% | 3,648 |
| Net loans and leases to core deposits | 71.8146% | 3,985 |
| Total domestic deposits to total assets | 59.8702% | 6,323 |
| Equity capital to assets | 39.7021% | 50 |
| Core capital (leverage) ratio | 41.6188% | 46 |
| Tier 1 risk-based capital ratio | 67.9982% | 83 |
| Total risk-based capital ratio | 69.2616% | 84 |
| Memoranda: | ||
| Average total assets | $209,551,500 | 2,916 |
| Average earning assets | $203,410,000 | 2,797 |
| Average equity | $85,704,500 | 898 |
| Average total loans | $94,892,500 | 3,547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 4,199 |
| Cost of funding earning assets | 0.1852% | 5,876 |
| Net interest margin | 3.6968% | 3,021 |
| Noninterest income to average assets | 0.3242% | 4,800 |
| Noninterest expense to average assets | 0.8254% | 6,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1687% | 236 |
| Return on assets (ROA) | 2.2086% | 222 |
| Pretax return on assets | 3.1176% | 103 |
| Return on Equity (ROE) | 5.8580% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.8580% | 2,018 |
| Net charge-offs to loans | 0.1315% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 48.0400% | 957 |
| Efficiency ratio | 21.2356% | 6,490 |
| Assets per employee ($millions) | 8.4034% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1862% | 245 |
| Loan loss allowance to noncurrent loans | 59.4547% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 3.3409% | 568 |
| Noncurrent loans to loans | 5.3590% | 251 |
| Net loans and leases to total assets | 45.3340% | 5,381 |
| Net loans and leases to deposits | 78.8509% | 2,858 |
| Net loans and leases to core deposits | 79.9850% | 3,299 |
| Total domestic deposits to total assets | 57.4933% | 6,425 |
| Equity capital to assets | 42.1894% | 48 |
| Core capital (leverage) ratio | 42.9256% | 46 |
| Tier 1 risk-based capital ratio | 74.1457% | 64 |
| Total risk-based capital ratio | 75.4124% | 64 |
| Memoranda: | ||
| Average total assets | $196,146,000 | 3,039 |
| Average earning assets | $189,029,600 | 2,915 |
| Average equity | $73,949,600 | 988 |
| Average total loans | $95,083,800 | 3,522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,143 |
| Cost of funding earning assets | 0.1891% | 5,921 |
| Net interest margin | 3.7198% | 2,941 |
| Noninterest income to average assets | 0.3361% | 4,750 |
| Noninterest expense to average assets | 0.8434% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1722% | 253 |
| Return on assets (ROA) | 2.1756% | 256 |
| Pretax return on assets | 3.0792% | 108 |
| Return on Equity (ROE) | 5.9541% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.9541% | 2,444 |
| Net charge-offs to loans | 0.1750% | 2,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 35.9285% | 1,208 |
| Efficiency ratio | 21.5272% | 6,569 |
| Assets per employee ($millions) | 8.1755% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2131% | 287 |
| Loan loss allowance to noncurrent loans | 57.5005% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 3.5859% | 588 |
| Noncurrent loans to loans | 5.5879% | 279 |
| Net loans and leases to total assets | 46.1949% | 5,357 |
| Net loans and leases to deposits | 76.2129% | 3,162 |
| Net loans and leases to core deposits | 77.3801% | 3,595 |
| Total domestic deposits to total assets | 60.6130% | 6,484 |
| Equity capital to assets | 37.1950% | 52 |
| Core capital (leverage) ratio | 37.4571% | 51 |
| Tier 1 risk-based capital ratio | 65.4367% | 78 |
| Total risk-based capital ratio | 66.7050% | 77 |
| Memoranda: | ||
| Average total assets | $194,762,250 | 3,071 |
| Average earning assets | $187,533,250 | 2,966 |
| Average equity | $71,165,000 | 1,034 |
| Average total loans | $95,245,000 | 3,555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 4,139 |
| Cost of funding earning assets | 0.1937% | 5,966 |
| Net interest margin | 3.7052% | 2,942 |
| Noninterest income to average assets | 0.3325% | 4,761 |
| Noninterest expense to average assets | 0.8586% | 6,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1454% | 256 |
| Return on assets (ROA) | 2.1505% | 267 |
| Pretax return on assets | 3.0451% | 114 |
| Return on Equity (ROE) | 5.9212% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.9212% | 2,367 |
| Net charge-offs to loans | 0.2798% | 1,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 22.0224% | 1,521 |
| Efficiency ratio | 22.0343% | 6,635 |
| Assets per employee ($millions) | 8.0048% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2308% | 296 |
| Loan loss allowance to noncurrent loans | 57.6590% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.6468% | 625 |
| Noncurrent loans to loans | 5.6033% | 310 |
| Net loans and leases to total assets | 46.7722% | 5,290 |
| Net loans and leases to deposits | 75.4522% | 3,134 |
| Net loans and leases to core deposits | 76.7705% | 3,552 |
| Total domestic deposits to total assets | 61.9892% | 6,540 |
| Equity capital to assets | 37.3799% | 49 |
| Core capital (leverage) ratio | 36.9914% | 49 |
| Tier 1 risk-based capital ratio | 65.1691% | 82 |
| Total risk-based capital ratio | 66.4378% | 81 |
| Memoranda: | ||
| Average total assets | $194,279,000 | 3,097 |
| Average earning assets | $186,873,000 | 2,990 |
| Average equity | $70,559,670 | 1,035 |
| Average total loans | $95,777,000 | 3,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,808 |
| Cost of funding earning assets | 0.1984% | 6,011 |
| Net interest margin | 3.7725% | 2,586 |
| Noninterest income to average assets | 0.3112% | 4,876 |
| Noninterest expense to average assets | 0.8538% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.2154% | 229 |
| Return on assets (ROA) | 2.2154% | 243 |
| Pretax return on assets | 3.0774% | 134 |
| Return on Equity (ROE) | 6.1887% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.1887% | 2,437 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7188% | 6,706 |
| Assets per employee ($millions) | 8.2046% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2673% | 338 |
| Loan loss allowance to noncurrent loans | 51.3014% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 4.3187% | 522 |
| Noncurrent loans to loans | 6.3689% | 269 |
| Net loans and leases to total assets | 47.1203% | 5,220 |
| Net loans and leases to deposits | 74.3356% | 3,025 |
| Net loans and leases to core deposits | 75.5720% | 3,456 |
| Total domestic deposits to total assets | 63.3885% | 6,597 |
| Equity capital to assets | 35.8294% | 56 |
| Core capital (leverage) ratio | 35.9755% | 55 |
| Tier 1 risk-based capital ratio | 61.1720% | 87 |
| Total risk-based capital ratio | 62.4395% | 87 |
| Memoranda: | ||
| Average total assets | $195,361,500 | 3,107 |
| Average earning assets | $187,460,000 | 3,002 |
| Average equity | $69,933,500 | 1,044 |
| Average total loans | $97,237,500 | 3,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 3,409 |
| Cost of funding earning assets | 0.2335% | 6,071 |
| Net interest margin | 3.9489% | 2,109 |
| Noninterest income to average assets | 0.2301% | 5,700 |
| Noninterest expense to average assets | 0.9392% | 6,757 |
| Loan and lease loss provision to assets | 0.0496% | 4,141 |
| Net operating income to assets | 2.1376% | 271 |
| Return on assets (ROA) | 2.1376% | 274 |
| Pretax return on assets | 3.0113% | 122 |
| Return on Equity (ROE) | 6.2050% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.0194% | 1,954 |
| Net charge-offs to loans | 0.2475% | 2,489 |
| Credit loss provision to net charge-offs | 38.1890% | 4,080 |
| Earnings coverage of net charge-offs (x) | 23.5709% | 1,406 |
| Efficiency ratio | 23.4790% | 6,786 |
| Assets per employee ($millions) | 8.0755% | 452 |
| Cash dividends to net income (ytd only)* | 2.9897% | 4,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1799% | 379 |
| Loan loss allowance to noncurrent loans | 54.0904% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 4.2288% | 613 |
| Noncurrent loans to loans | 5.8789% | 360 |
| Net loans and leases to total assets | 49.2343% | 5,168 |
| Net loans and leases to deposits | 77.8009% | 2,746 |
| Net loans and leases to core deposits | 78.9545% | 3,241 |
| Total domestic deposits to total assets | 63.2825% | 6,679 |
| Equity capital to assets | 35.7640% | 56 |
| Core capital (leverage) ratio | 35.5705% | 54 |
| Tier 1 risk-based capital ratio | 60.5712% | 87 |
| Total risk-based capital ratio | 61.8396% | 86 |
| Memoranda: | ||
| Average total assets | $195,597,600 | 3,077 |
| Average earning assets | $186,736,400 | 3,000 |
| Average equity | $67,381,600 | 1,065 |
| Average total loans | $102,627,400 | 3,388 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1437% | 3,590 |
| Cost of funding earning assets | 0.2397% | 6,158 |
| Net interest margin | 3.9040% | 2,259 |
| Noninterest income to average assets | 0.1265% | 6,388 |
| Noninterest expense to average assets | 0.8916% | 6,839 |
| Loan and lease loss provision to assets | 0.0660% | 3,738 |
| Net operating income to assets | 1.9947% | 366 |
| Return on assets (ROA) | 1.9947% | 377 |
| Pretax return on assets | 2.8911% | 154 |
| Return on Equity (ROE) | 5.8455% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.8455% | 2,514 |
| Net charge-offs to loans | 0.2161% | 2,530 |
| Credit loss provision to net charge-offs | 57.7381% | 3,344 |
| Earnings coverage of net charge-offs (x) | 25.8815% | 1,368 |
| Efficiency ratio | 23.1666% | 6,861 |
| Assets per employee ($millions) | 7.8933% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1185% | 487 |
| Loan loss allowance to noncurrent loans | 41.8780% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 5.0686% | 543 |
| Noncurrent loans to loans | 7.4466% | 262 |
| Net loans and leases to total assets | 50.6938% | 5,050 |
| Net loans and leases to deposits | 78.9318% | 2,538 |
| Net loans and leases to core deposits | 80.0639% | 3,126 |
| Total domestic deposits to total assets | 64.2248% | 6,746 |
| Equity capital to assets | 34.5879% | 55 |
| Core capital (leverage) ratio | 34.6662% | 52 |
| Tier 1 risk-based capital ratio | 57.2167% | 103 |
| Total risk-based capital ratio | 58.4846% | 103 |
| Memoranda: | ||
| Average total assets | $196,044,000 | 3,097 |
| Average earning assets | $186,915,750 | 3,023 |
| Average equity | $66,898,250 | 1,083 |
| Average total loans | $103,645,250 | 3,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,799 |
| Cost of funding earning assets | 0.2507% | 6,170 |
| Net interest margin | 3.8337% | 2,432 |
| Noninterest income to average assets | 0.4877% | 3,913 |
| Noninterest expense to average assets | 1.1247% | 6,851 |
| Loan and lease loss provision to assets | 0.0900% | 3,285 |
| Net operating income to assets | 2.0019% | 358 |
| Return on assets (ROA) | 2.0019% | 382 |
| Pretax return on assets | 2.9159% | 157 |
| Return on Equity (ROE) | 5.8934% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.8934% | 2,493 |
| Net charge-offs to loans | 0.3045% | 1,969 |
| Credit loss provision to net charge-offs | 55.6962% | 3,104 |
| Earnings coverage of net charge-offs (x) | 18.6076% | 1,547 |
| Efficiency ratio | 27.2277% | 6,896 |
| Assets per employee ($millions) | 7.7051% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2432% | 464 |
| Loan loss allowance to noncurrent loans | 38.6443% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 5.8569% | 475 |
| Noncurrent loans to loans | 8.3924% | 228 |
| Net loans and leases to total assets | 49.8863% | 5,122 |
| Net loans and leases to deposits | 77.0696% | 2,715 |
| Net loans and leases to core deposits | 77.5623% | 3,350 |
| Total domestic deposits to total assets | 64.7289% | 6,784 |
| Equity capital to assets | 34.8516% | 53 |
| Core capital (leverage) ratio | 34.8174% | 48 |
| Tier 1 risk-based capital ratio | 58.1547% | 95 |
| Total risk-based capital ratio | 59.4249% | 94 |
| Memoranda: | ||
| Average total assets | $195,614,670 | 3,127 |
| Average earning assets | $185,878,000 | 3,036 |
| Average equity | $66,446,670 | 1,089 |
| Average total loans | $103,775,330 | 3,408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,433 |
| Cost of funding earning assets | 0.2593% | 6,227 |
| Net interest margin | 3.9084% | 2,092 |
| Noninterest income to average assets | 0.3815% | 4,609 |
| Noninterest expense to average assets | 0.8787% | 6,973 |
| Loan and lease loss provision to assets | 0.1786% | 2,081 |
| Net operating income to assets | 2.1552% | 263 |
| Return on assets (ROA) | 2.1552% | 288 |
| Pretax return on assets | 3.0258% | 153 |
| Return on Equity (ROE) | 6.4263% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.4263% | 2,444 |
| Net charge-offs to loans | 0.6075% | 1,003 |
| Credit loss provision to net charge-offs | 54.6584% | 2,536 |
| Earnings coverage of net charge-offs (x) | 9.8075% | 1,805 |
| Efficiency ratio | 21.5209% | 6,992 |
| Assets per employee ($millions) | 7.8562% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 614 |
| Loan loss allowance to noncurrent loans | 41.6031% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 5.8878% | 547 |
| Noncurrent loans to loans | 7.3639% | 382 |
| Net loans and leases to total assets | 51.8424% | 4,727 |
| Net loans and leases to deposits | 79.0886% | 2,198 |
| Net loans and leases to core deposits | 79.5763% | 2,858 |
| Total domestic deposits to total assets | 65.5498% | 6,854 |
| Equity capital to assets | 33.9329% | 56 |
| Core capital (leverage) ratio | 33.9832% | 53 |
| Tier 1 risk-based capital ratio | 54.5205% | 113 |
| Total risk-based capital ratio | 55.7870% | 110 |
| Memoranda: | ||
| Average total assets | $197,108,000 | 3,131 |
| Average earning assets | $186,677,000 | 3,063 |
| Average equity | $66,103,000 | 1,112 |
| Average total loans | $106,005,000 | 3,382 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 2,084 |
| Cost of funding earning assets | 0.3769% | 6,071 |
| Net interest margin | 4.4554% | 1,032 |
| Noninterest income to average assets | 0.3287% | 5,105 |
| Noninterest expense to average assets | 0.9860% | 7,014 |
| Loan and lease loss provision to assets | 1.5883% | 189 |
| Net operating income to assets | 1.5384% | 849 |
| Return on assets (ROA) | 1.5422% | 927 |
| Pretax return on assets | 2.0477% | 551 |
| Return on Equity (ROE) | 4.5075% | 4,926 |
| Retained earnings to average equity (ytd only) | -2.8146% | 6,248 |
| Net charge-offs to loans | 2.9438% | 178 |
| Credit loss provision to net charge-offs | 91.3281% | 3,423 |
| Earnings coverage of net charge-offs (x) | 2.0879% | 4,369 |
| Efficiency ratio | 21.3565% | 7,049 |
| Assets per employee ($millions) | 7.9124% | 521 |
| Cash dividends to net income (ytd only)* | 162.4431% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0765% | 616 |
| Loan loss allowance to noncurrent loans | 44.2160% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 5.4623% | 679 |
| Noncurrent loans to loans | 6.9580% | 463 |
| Net loans and leases to total assets | 52.4137% | 4,862 |
| Net loans and leases to deposits | 78.7489% | 2,430 |
| Net loans and leases to core deposits | 79.3498% | 3,103 |
| Total domestic deposits to total assets | 66.5580% | 6,887 |
| Equity capital to assets | 33.1427% | 58 |
| Core capital (leverage) ratio | 32.8594% | 55 |
| Tier 1 risk-based capital ratio | 53.4032% | 124 |
| Total risk-based capital ratio | 54.6712% | 123 |
| Memoranda: | ||
| Average total assets | $199,589,400 | 3,050 |
| Average earning assets | $192,105,000 | 2,929 |
| Average equity | $68,285,800 | 1,030 |
| Average total loans | $117,909,000 | 3,127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 1,771 |
| Cost of funding earning assets | 0.4027% | 6,102 |
| Net interest margin | 4.5687% | 870 |
| Noninterest income to average assets | 0.3279% | 5,175 |
| Noninterest expense to average assets | 0.9032% | 7,132 |
| Loan and lease loss provision to assets | 1.1798% | 310 |
| Net operating income to assets | 1.9188% | 438 |
| Return on assets (ROA) | 1.9236% | 500 |
| Pretax return on assets | 2.6675% | 226 |
| Return on Equity (ROE) | 5.5793% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.5793% | 2,981 |
| Net charge-offs to loans | 2.2888% | 289 |
| Credit loss provision to net charge-offs | 85.4660% | 3,447 |
| Earnings coverage of net charge-offs (x) | 2.7822% | 3,926 |
| Efficiency ratio | 19.0389% | 7,157 |
| Assets per employee ($millions) | 7.9986% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8999% | 804 |
| Loan loss allowance to noncurrent loans | 29.9345% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 6.5411% | 572 |
| Noncurrent loans to loans | 9.6874% | 266 |
| Net loans and leases to total assets | 55.1079% | 4,581 |
| Net loans and leases to deposits | 86.4439% | 1,552 |
| Net loans and leases to core deposits | 87.3713% | 2,297 |
| Total domestic deposits to total assets | 63.7498% | 7,022 |
| Equity capital to assets | 35.2180% | 49 |
| Core capital (leverage) ratio | 34.4375% | 51 |
| Tier 1 risk-based capital ratio | 55.7178% | 110 |
| Total risk-based capital ratio | 56.9861% | 109 |
| Memoranda: | ||
| Average total assets | $200,034,000 | 3,075 |
| Average earning assets | $193,337,750 | 2,949 |
| Average equity | $68,967,250 | 1,025 |
| Average total loans | $120,643,500 | 3,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 3,025 |
| Cost of funding earning assets | 0.4286% | 6,109 |
| Net interest margin | 4.2461% | 1,618 |
| Noninterest income to average assets | 0.3289% | 5,197 |
| Noninterest expense to average assets | 0.9627% | 7,194 |
| Loan and lease loss provision to assets | 0.8208% | 602 |
| Net operating income to assets | 1.8734% | 489 |
| Return on assets (ROA) | 1.8805% | 547 |
| Pretax return on assets | 2.6552% | 235 |
| Return on Equity (ROE) | 5.4934% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.4934% | 2,993 |
| Net charge-offs to loans | 1.3216% | 801 |
| Credit loss provision to net charge-offs | 100.9840% | 2,695 |
| Earnings coverage of net charge-offs (x) | 4.2645% | 3,130 |
| Efficiency ratio | 21.7381% | 7,205 |
| Assets per employee ($millions) | 8.0858% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0122% | 774 |
| Loan loss allowance to noncurrent loans | 23.8332% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 7.7840% | 451 |
| Noncurrent loans to loans | 12.6387% | 151 |
| Net loans and leases to total assets | 57.3420% | 4,274 |
| Net loans and leases to deposits | 88.2986% | 1,341 |
| Net loans and leases to core deposits | 90.3482% | 1,951 |
| Total domestic deposits to total assets | 64.9410% | 7,065 |
| Equity capital to assets | 34.3412% | 53 |
| Core capital (leverage) ratio | 34.6040% | 48 |
| Tier 1 risk-based capital ratio | 49.8227% | 133 |
| Total risk-based capital ratio | 51.0902% | 132 |
| Memoranda: | ||
| Average total assets | $200,056,670 | 3,083 |
| Average earning assets | $193,165,000 | 2,957 |
| Average equity | $68,481,670 | 1,025 |
| Average total loans | $123,028,670 | 3,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 2,872 |
| Cost of funding earning assets | 0.4590% | 6,087 |
| Net interest margin | 4.2834% | 1,525 |
| Noninterest income to average assets | 0.3176% | 5,334 |
| Noninterest expense to average assets | 1.0713% | 7,242 |
| Loan and lease loss provision to assets | 0.6954% | 753 |
| Net operating income to assets | 1.9094% | 490 |
| Return on assets (ROA) | 1.9094% | 562 |
| Pretax return on assets | 2.6772% | 263 |
| Return on Equity (ROE) | 5.5872% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.5872% | 3,215 |
| Net charge-offs to loans | 1.1091% | 928 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.8497% | 2,493 |
| Efficiency ratio | 24.1067% | 7,260 |
| Assets per employee ($millions) | 7.9407% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9541% | 872 |
| Loan loss allowance to noncurrent loans | 22.2995% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 8.5071% | 434 |
| Noncurrent loans to loans | 13.2476% | 161 |
| Net loans and leases to total assets | 59.4408% | 3,785 |
| Net loans and leases to deposits | 92.3144% | 775 |
| Net loans and leases to core deposits | 94.5096% | 1,419 |
| Total domestic deposits to total assets | 64.3894% | 7,134 |
| Equity capital to assets | 34.4998% | 45 |
| Core capital (leverage) ratio | 34.0694% | 44 |
| Tier 1 risk-based capital ratio | 53.0516% | 115 |
| Total risk-based capital ratio | 54.3196% | 115 |
| Memoranda: | ||
| Average total assets | $199,012,500 | 3,117 |
| Average earning assets | $191,717,000 | 3,000 |
| Average equity | $68,013,000 | 1,031 |
| Average total loans | $124,786,000 | 3,049 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 3,524 |
| Cost of funding earning assets | 0.5728% | 6,221 |
| Net interest margin | 4.2913% | 1,725 |
| Noninterest income to average assets | 0.2168% | 5,970 |
| Noninterest expense to average assets | 0.9157% | 7,301 |
| Loan and lease loss provision to assets | 0.5777% | 1,792 |
| Net operating income to assets | 2.0021% | 310 |
| Return on assets (ROA) | 2.0574% | 297 |
| Pretax return on assets | 2.9471% | 129 |
| Return on Equity (ROE) | 6.0671% | 3,842 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,568 |
| Net charge-offs to loans | 0.8252% | 2,098 |
| Credit loss provision to net charge-offs | 100.0882% | 3,496 |
| Earnings coverage of net charge-offs (x) | 5.9700% | 2,629 |
| Efficiency ratio | 20.9943% | 7,330 |
| Assets per employee ($millions) | 7.9803% | 476 |
| Cash dividends to net income (ytd only)* | 61.8506% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8067% | 973 |
| Loan loss allowance to noncurrent loans | 20.4428% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 9.0372% | 402 |
| Noncurrent loans to loans | 13.7295% | 160 |
| Net loans and leases to total assets | 62.3474% | 3,529 |
| Net loans and leases to deposits | 95.7825% | 683 |
| Net loans and leases to core deposits | 98.2210% | 1,313 |
| Total domestic deposits to total assets | 65.0926% | 7,156 |
| Equity capital to assets | 33.8523% | 54 |
| Core capital (leverage) ratio | 34.1063% | 50 |
| Tier 1 risk-based capital ratio | 51.5656% | 124 |
| Total risk-based capital ratio | 52.8337% | 124 |
| Memoranda: | ||
| Average total assets | $196,465,800 | 3,095 |
| Average earning assets | $189,758,200 | 2,967 |
| Average equity | $66,621,400 | 1,010 |
| Average total loans | $137,424,600 | 2,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1426% | 2,415 |
| Cost of funding earning assets | 0.5945% | 6,302 |
| Net interest margin | 4.5482% | 1,046 |
| Noninterest income to average assets | 0.1908% | 6,227 |
| Noninterest expense to average assets | 0.9265% | 7,381 |
| Loan and lease loss provision to assets | 0.4796% | 2,070 |
| Net operating income to assets | 2.1924% | 260 |
| Return on assets (ROA) | 2.2653% | 243 |
| Pretax return on assets | 3.2892% | 114 |
| Return on Equity (ROE) | 6.6773% | 3,674 |
| Retained earnings to average equity (ytd only) | 1.6568% | 5,309 |
| Net charge-offs to loans | 0.6705% | 2,236 |
| Credit loss provision to net charge-offs | 100.1422% | 3,361 |
| Earnings coverage of net charge-offs (x) | 7.6486% | 2,323 |
| Efficiency ratio | 20.1870% | 7,402 |
| Assets per employee ($millions) | 7.8329% | 502 |
| Cash dividends to net income (ytd only)* | 75.1880% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6556% | 1,192 |
| Loan loss allowance to noncurrent loans | 24.0268% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 7.9919% | 552 |
| Noncurrent loans to loans | 11.0527% | 287 |
| Net loans and leases to total assets | 67.2388% | 2,628 |
| Net loans and leases to deposits | 103.8530% | 323 |
| Net loans and leases to core deposits | 107.1830% | 805 |
| Total domestic deposits to total assets | 64.7442% | 7,237 |
| Equity capital to assets | 34.1232% | 61 |
| Core capital (leverage) ratio | 33.9425% | 60 |
| Tier 1 risk-based capital ratio | 48.5604% | 155 |
| Total risk-based capital ratio | 49.8270% | 155 |
| Memoranda: | ||
| Average total assets | $195,705,250 | 3,123 |
| Average earning assets | $189,288,250 | 2,986 |
| Average equity | $66,392,250 | 1,019 |
| Average total loans | $139,785,750 | 2,816 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2125% | 2,214 |
| Cost of funding earning assets | 0.6057% | 6,427 |
| Net interest margin | 4.6068% | 898 |
| Noninterest income to average assets | 0.3465% | 5,111 |
| Noninterest expense to average assets | 1.2358% | 7,414 |
| Loan and lease loss provision to assets | 0.4436% | 2,220 |
| Net operating income to assets | 2.1705% | 271 |
| Return on assets (ROA) | 2.2814% | 241 |
| Pretax return on assets | 3.2801% | 123 |
| Return on Equity (ROE) | 6.7382% | 3,563 |
| Retained earnings to average equity (ytd only) | -0.8091% | 6,018 |
| Net charge-offs to loans | 0.6143% | 2,291 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 8.0369% | 2,130 |
| Efficiency ratio | 25.7398% | 7,455 |
| Assets per employee ($millions) | 8.0753% | 446 |
| Cash dividends to net income (ytd only)* | 112.0072% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6148% | 1,297 |
| Loan loss allowance to noncurrent loans | 29.1170% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 6.7114% | 781 |
| Noncurrent loans to loans | 8.9803% | 464 |
| Net loans and leases to total assets | 69.0087% | 2,412 |
| Net loans and leases to deposits | 105.7976% | 274 |
| Net loans and leases to core deposits | 109.1878% | 749 |
| Total domestic deposits to total assets | 65.2271% | 7,279 |
| Equity capital to assets | 33.9143% | 64 |
| Core capital (leverage) ratio | 33.6177% | 63 |
| Tier 1 risk-based capital ratio | 47.1906% | 160 |
| Total risk-based capital ratio | 48.4578% | 158 |
| Memoranda: | ||
| Average total assets | $195,666,000 | 3,141 |
| Average earning assets | $189,198,000 | 3,009 |
| Average equity | $66,249,330 | 1,014 |
| Average total loans | $141,294,000 | 2,822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 2,345 |
| Cost of funding earning assets | 0.6158% | 6,544 |
| Net interest margin | 4.5556% | 947 |
| Noninterest income to average assets | 0.3459% | 5,143 |
| Noninterest expense to average assets | 0.8973% | 7,522 |
| Loan and lease loss provision to assets | 0.8525% | 968 |
| Net operating income to assets | 1.9106% | 397 |
| Return on assets (ROA) | 2.0916% | 316 |
| Pretax return on assets | 3.2737% | 135 |
| Return on Equity (ROE) | 6.1825% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.1825% | 2,533 |
| Net charge-offs to loans | 1.1865% | 1,171 |
| Credit loss provision to net charge-offs | 98.5882% | 2,772 |
| Earnings coverage of net charge-offs (x) | 4.4447% | 2,478 |
| Efficiency ratio | 18.9270% | 7,538 |
| Assets per employee ($millions) | 7.8274% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5323% | 1,416 |
| Loan loss allowance to noncurrent loans | 28.4456% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 7.0946% | 748 |
| Noncurrent loans to loans | 8.9022% | 511 |
| Net loans and leases to total assets | 70.5143% | 2,029 |
| Net loans and leases to deposits | 108.7780% | 198 |
| Net loans and leases to core deposits | 112.2458% | 650 |
| Total domestic deposits to total assets | 64.8241% | 7,356 |
| Equity capital to assets | 34.2510% | 64 |
| Core capital (leverage) ratio | 34.2001% | 63 |
| Tier 1 risk-based capital ratio | 46.1865% | 163 |
| Total risk-based capital ratio | 47.4510% | 162 |
| Memoranda: | ||
| Average total assets | $196,596,000 | 3,162 |
| Average earning assets | $189,658,500 | 3,017 |
| Average equity | $66,510,000 | 1,008 |
| Average total loans | $143,274,000 | 2,818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 1,505 |
| Cost of funding earning assets | 0.8156% | 6,500 |
| Net interest margin | 4.9026% | 548 |
| Noninterest income to average assets | 0.3645% | 5,192 |
| Noninterest expense to average assets | 1.0073% | 7,579 |
| Loan and lease loss provision to assets | 1.1429% | 1,393 |
| Net operating income to assets | 2.0048% | 280 |
| Return on assets (ROA) | 2.0131% | 288 |
| Pretax return on assets | 2.9822% | 124 |
| Return on Equity (ROE) | 6.1625% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.1625% | 1,739 |
| Net charge-offs to loans | 1.4143% | 1,575 |
| Credit loss provision to net charge-offs | 100.5832% | 4,522 |
| Earnings coverage of net charge-offs (x) | 3.6196% | 3,273 |
| Efficiency ratio | 19.6734% | 7,623 |
| Assets per employee ($millions) | 8.2295% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4769% | 1,433 |
| Loan loss allowance to noncurrent loans | 30.8770% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 6.5132% | 873 |
| Noncurrent loans to loans | 8.0220% | 646 |
| Net loans and leases to total assets | 71.5853% | 2,180 |
| Net loans and leases to deposits | 108.5580% | 259 |
| Net loans and leases to core deposits | 111.6996% | 832 |
| Total domestic deposits to total assets | 65.9420% | 7,393 |
| Equity capital to assets | 33.4145% | 68 |
| Core capital (leverage) ratio | 33.4849% | 72 |
| Tier 1 risk-based capital ratio | 44.1017% | 179 |
| Total risk-based capital ratio | 45.3480% | 180 |
| Memoranda: | ||
| Average total assets | $196,165,000 | 3,146 |
| Average earning assets | $190,288,600 | 2,999 |
| Average equity | $64,081,600 | 1,039 |
| Average total loans | $157,602,800 | 2,650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8363% | 1,290 |
| Cost of funding earning assets | 0.8586% | 6,550 |
| Net interest margin | 4.9778% | 461 |
| Noninterest income to average assets | 0.3282% | 5,531 |
| Noninterest expense to average assets | 0.9961% | 7,695 |
| Loan and lease loss provision to assets | 0.9641% | 1,550 |
| Net operating income to assets | 2.1680% | 253 |
| Return on assets (ROA) | 2.1699% | 268 |
| Pretax return on assets | 3.2143% | 101 |
| Return on Equity (ROE) | 6.6809% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.6809% | 1,994 |
| Net charge-offs to loans | 1.1736% | 1,739 |
| Credit loss provision to net charge-offs | 100.0707% | 4,305 |
| Earnings coverage of net charge-offs (x) | 4.3343% | 3,095 |
| Efficiency ratio | 19.2601% | 7,728 |
| Assets per employee ($millions) | 8.1473% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,682 |
| Loan loss allowance to noncurrent loans | 34.0760% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 6.0971% | 969 |
| Noncurrent loans to loans | 6.6415% | 882 |
| Net loans and leases to total assets | 79.0461% | 876 |
| Net loans and leases to deposits | 119.4211% | 121 |
| Net loans and leases to core deposits | 123.7436% | 505 |
| Total domestic deposits to total assets | 66.1910% | 7,462 |
| Equity capital to assets | 33.3620% | 72 |
| Core capital (leverage) ratio | 33.3126% | 68 |
| Tier 1 risk-based capital ratio | 40.6620% | 236 |
| Total risk-based capital ratio | 41.9242% | 231 |
| Memoranda: | ||
| Average total assets | $195,829,500 | 3,193 |
| Average earning assets | $190,549,000 | 3,034 |
| Average equity | $63,603,000 | 1,051 |
| Average total loans | $160,759,250 | 2,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 2,552 |
| Cost of funding earning assets | 0.8980% | 6,591 |
| Net interest margin | 4.5947% | 1,012 |
| Noninterest income to average assets | 0.3369% | 5,457 |
| Noninterest expense to average assets | 0.9759% | 7,778 |
| Loan and lease loss provision to assets | 0.7197% | 2,023 |
| Net operating income to assets | 2.0841% | 285 |
| Return on assets (ROA) | 2.0855% | 311 |
| Pretax return on assets | 3.1144% | 113 |
| Return on Equity (ROE) | 6.4796% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.4796% | 2,082 |
| Net charge-offs to loans | 0.8724% | 2,087 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 5.3248% | 2,697 |
| Efficiency ratio | 20.2972% | 7,791 |
| Assets per employee ($millions) | 8.0869% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 1,622 |
| Loan loss allowance to noncurrent loans | 25.8283% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 7.7893% | 642 |
| Noncurrent loans to loans | 8.8307% | 543 |
| Net loans and leases to total assets | 78.9830% | 959 |
| Net loans and leases to deposits | 118.7183% | 139 |
| Net loans and leases to core deposits | 122.2351% | 621 |
| Total domestic deposits to total assets | 66.5298% | 7,505 |
| Equity capital to assets | 33.0214% | 68 |
| Core capital (leverage) ratio | 32.4121% | 68 |
| Tier 1 risk-based capital ratio | 41.5228% | 221 |
| Total risk-based capital ratio | 42.7862% | 216 |
| Memoranda: | ||
| Average total assets | $195,928,000 | 3,218 |
| Average earning assets | $190,655,670 | 3,052 |
| Average equity | $63,059,330 | 1,057 |
| Average total loans | $161,632,000 | 2,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 2,722 |
| Cost of funding earning assets | 0.9228% | 6,686 |
| Net interest margin | 4.5492% | 1,048 |
| Noninterest income to average assets | 0.3393% | 5,428 |
| Noninterest expense to average assets | 0.9225% | 7,883 |
| Loan and lease loss provision to assets | 0.8128% | 1,554 |
| Net operating income to assets | 2.0198% | 333 |
| Return on assets (ROA) | 2.0198% | 365 |
| Pretax return on assets | 3.0318% | 138 |
| Return on Equity (ROE) | 6.3571% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,439 |
| Net charge-offs to loans | 0.9780% | 1,673 |
| Credit loss provision to net charge-offs | 99.7506% | 3,458 |
| Earnings coverage of net charge-offs (x) | 4.7182% | 2,566 |
| Efficiency ratio | 19.3521% | 7,902 |
| Assets per employee ($millions) | 8.5237% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2043% | 1,744 |
| Loan loss allowance to noncurrent loans | 25.8435% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 7.4962% | 681 |
| Noncurrent loans to loans | 8.5293% | 604 |
| Net loans and leases to total assets | 80.9503% | 721 |
| Net loans and leases to deposits | 120.5764% | 129 |
| Net loans and leases to core deposits | 122.8682% | 676 |
| Total domestic deposits to total assets | 67.1361% | 7,569 |
| Equity capital to assets | 32.1564% | 74 |
| Core capital (leverage) ratio | 31.5500% | 75 |
| Tier 1 risk-based capital ratio | 39.7793% | 257 |
| Total risk-based capital ratio | 41.0419% | 249 |
| Memoranda: | ||
| Average total assets | $196,849,000 | 3,261 |
| Average earning assets | $191,595,500 | 3,100 |
| Average equity | $62,544,000 | 1,071 |
| Average total loans | $164,011,500 | 2,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 2,400 |
| Cost of funding earning assets | 1.0984% | 6,985 |
| Net interest margin | 4.7635% | 747 |
| Noninterest income to average assets | 0.3402% | 5,651 |
| Noninterest expense to average assets | 0.8847% | 7,954 |
| Loan and lease loss provision to assets | 1.9865% | 1,091 |
| Net operating income to assets | 0.9984% | 1,850 |
| Return on assets (ROA) | 1.0120% | 1,853 |
| Pretax return on assets | 2.1340% | 321 |
| Return on Equity (ROE) | 3.2158% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.5955% | 3,326 |
| Net charge-offs to loans | 1.3264% | 1,882 |
| Credit loss provision to net charge-offs | 174.9107% | 2,400 |
| Earnings coverage of net charge-offs (x) | 3.6094% | 3,273 |
| Efficiency ratio | 17.7518% | 7,983 |
| Assets per employee ($millions) | 8.2355% | 460 |
| Cash dividends to net income (ytd only)* | 19.2886% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 1,718 |
| Loan loss allowance to noncurrent loans | 23.9283% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 7.8962% | 580 |
| Noncurrent loans to loans | 9.0216% | 502 |
| Net loans and leases to total assets | 82.0473% | 680 |
| Net loans and leases to deposits | 120.4804% | 171 |
| Net loans and leases to core deposits | 132.8895% | 1,114 |
| Total domestic deposits to total assets | 68.1002% | 7,541 |
| Equity capital to assets | 31.3919% | 91 |
| Core capital (leverage) ratio | 30.2283% | 100 |
| Tier 1 risk-based capital ratio | 38.5776% | 275 |
| Total risk-based capital ratio | 39.8397% | 269 |
| Memoranda: | ||
| Average total assets | $197,234,200 | 3,212 |
| Average earning assets | $192,274,400 | 3,068 |
| Average equity | $62,068,800 | 1,063 |
| Average total loans | $168,881,600 | 2,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 2,859 |
| Cost of funding earning assets | 1.1492% | 7,044 |
| Net interest margin | 4.6580% | 895 |
| Noninterest income to average assets | 0.3497% | 5,698 |
| Noninterest expense to average assets | 0.8001% | 8,055 |
| Loan and lease loss provision to assets | 0.6263% | 2,886 |
| Net operating income to assets | 2.2216% | 171 |
| Return on assets (ROA) | 2.2381% | 184 |
| Pretax return on assets | 3.4941% | 69 |
| Return on Equity (ROE) | 7.1074% | 3,025 |
| Retained earnings to average equity (ytd only) | 6.2805% | 1,819 |
| Net charge-offs to loans | 0.6271% | 2,800 |
| Credit loss provision to net charge-offs | 116.0401% | 4,376 |
| Earnings coverage of net charge-offs (x) | 7.5865% | 2,385 |
| Efficiency ratio | 16.3466% | 8,067 |
| Assets per employee ($millions) | 7.8868% | 536 |
| Cash dividends to net income (ytd only)* | 11.6349% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,284 |
| Loan loss allowance to noncurrent loans | 14.9867% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 7.1999% | 648 |
| Noncurrent loans to loans | 7.8221% | 634 |
| Net loans and leases to total assets | 86.7120% | 294 |
| Net loans and leases to deposits | 144.1313% | 64 |
| Net loans and leases to core deposits | 160.2373% | 375 |
| Total domestic deposits to total assets | 60.1618% | 7,872 |
| Equity capital to assets | 32.1347% | 97 |
| Core capital (leverage) ratio | 31.6165% | 113 |
| Tier 1 risk-based capital ratio | 38.3707% | 308 |
| Total risk-based capital ratio | 39.5989% | 304 |
| Memoranda: | ||
| Average total assets | $197,129,500 | 3,233 |
| Average earning assets | $192,354,000 | 3,088 |
| Average equity | $62,074,250 | 1,081 |
| Average total loans | $169,665,250 | 2,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7904% | 3,094 |
| Cost of funding earning assets | 1.1872% | 7,141 |
| Net interest margin | 4.6031% | 945 |
| Noninterest income to average assets | 0.3379% | 5,814 |
| Noninterest expense to average assets | 0.7234% | 8,154 |
| Loan and lease loss provision to assets | 0.4566% | 3,246 |
| Net operating income to assets | 2.3322% | 149 |
| Return on assets (ROA) | 2.3387% | 164 |
| Pretax return on assets | 3.6527% | 63 |
| Return on Equity (ROE) | 7.4782% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.4782% | 1,398 |
| Net charge-offs to loans | 0.3821% | 3,291 |
| Credit loss provision to net charge-offs | 139.7516% | 3,341 |
| Earnings coverage of net charge-offs (x) | 12.5466% | 1,811 |
| Efficiency ratio | 15.0011% | 8,157 |
| Assets per employee ($millions) | 7.6218% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,116 |
| Loan loss allowance to noncurrent loans | 27.2801% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 4.1460% | 1,399 |
| Noncurrent loans to loans | 4.3053% | 1,521 |
| Net loans and leases to total assets | 86.1107% | 366 |
| Net loans and leases to deposits | 145.1923% | 66 |
| Net loans and leases to core deposits | 160.3727% | 444 |
| Total domestic deposits to total assets | 59.3081% | 7,954 |
| Equity capital to assets | 31.6607% | 120 |
| Core capital (leverage) ratio | 31.7499% | 125 |
| Tier 1 risk-based capital ratio | 31.2896% | 523 |
| Total risk-based capital ratio | 32.3010% | 526 |
| Memoranda: | ||
| Average total assets | $197,116,000 | 3,256 |
| Average earning assets | $192,043,000 | 3,117 |
| Average equity | $61,645,670 | 1,104 |
| Average total loans | $168,554,330 | 2,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0476% | 2,163 |
| Cost of funding earning assets | 1.2510% | 7,171 |
| Net interest margin | 4.7966% | 612 |
| Noninterest income to average assets | 0.3622% | 5,543 |
| Noninterest expense to average assets | 0.6714% | 8,208 |
| Loan and lease loss provision to assets | 0.2014% | 4,431 |
| Net operating income to assets | 2.6820% | 95 |
| Return on assets (ROA) | 2.6939% | 117 |
| Pretax return on assets | 4.1650% | 57 |
| Return on Equity (ROE) | 8.6680% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.6680% | 1,575 |
| Net charge-offs to loans | 0.2354% | 3,232 |
| Credit loss provision to net charge-offs | 101.0204% | 3,691 |
| Earnings coverage of net charge-offs (x) | 21.8061% | 1,327 |
| Efficiency ratio | 13.3766% | 8,202 |
| Assets per employee ($millions) | 7.6627% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,190 |
| Loan loss allowance to noncurrent loans | 31.8159% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 3.5272% | 1,522 |
| Noncurrent loans to loans | 3.5808% | 1,762 |
| Net loans and leases to total assets | 86.1124% | 428 |
| Net loans and leases to deposits | 139.1740% | 94 |
| Net loans and leases to core deposits | 153.8045% | 604 |
| Total domestic deposits to total assets | 61.8739% | 7,922 |
| Equity capital to assets | 32.2394% | 125 |
| Core capital (leverage) ratio | 31.8334% | 135 |
| Tier 1 risk-based capital ratio | 36.0081% | 407 |
| Total risk-based capital ratio | 37.1164% | 401 |
| Memoranda: | ||
| Average total assets | $196,590,500 | 3,276 |
| Average earning assets | $190,885,000 | 3,141 |
| Average equity | $61,098,000 | 1,124 |
| Average total loans | $166,496,000 | 2,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5812% | 2,571 |
| Cost of funding earning assets | 1.8178% | 6,958 |
| Net interest margin | 4.7634% | 845 |
| Noninterest income to average assets | 0.3855% | 5,593 |
| Noninterest expense to average assets | 0.8009% | 8,232 |
| Loan and lease loss provision to assets | 0.7847% | 1,901 |
| Net operating income to assets | 2.2194% | 227 |
| Return on assets (ROA) | 1.9831% | 349 |
| Pretax return on assets | 3.0744% | 93 |
| Return on Equity (ROE) | 6.4484% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4484% | 1,350 |
| Net charge-offs to loans | 0.8000% | 1,560 |
| Credit loss provision to net charge-offs | 120.1600% | 4,472 |
| Earnings coverage of net charge-offs (x) | 6.4664% | 3,353 |
| Efficiency ratio | 15.9422% | 8,266 |
| Assets per employee ($millions) | 7.7544% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,969 |
| Loan loss allowance to noncurrent loans | 42.8121% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 2.5891% | 1,863 |
| Noncurrent loans to loans | 2.6714% | 2,032 |
| Net loans and leases to total assets | 81.4566% | 1,328 |
| Net loans and leases to deposits | 126.8866% | 261 |
| Net loans and leases to core deposits | 139.0820% | 1,314 |
| Total domestic deposits to total assets | 64.1964% | 7,779 |
| Equity capital to assets | 29.9761% | 174 |
| Core capital (leverage) ratio | 31.0230% | 174 |
| Tier 1 risk-based capital ratio | 34.9115% | 447 |
| Total risk-based capital ratio | 36.0091% | 442 |
| Memoranda: | ||
| Average total assets | $191,416,800 | 3,249 |
| Average earning assets | $186,378,200 | 3,095 |
| Average equity | $58,867,400 | 1,140 |
| Average total loans | $156,244,400 | 2,828 |