Home > Bogota Savings Bank > Performance and Condition Ratios
Bogota Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 3,479 |
| Cost of funding earning assets | 2.5901% | 302 |
| Net interest margin | 1.6833% | 4,480 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.6764% | 4,161 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.0387% | 4,296 |
| Return on assets (ROA) | 0.0387% | 4,324 |
| Pretax return on assets | 0.0087% | 4,332 |
| Return on Equity (ROE) | 0.2900% | 4,321 |
| Retained earnings to average equity (ytd only) | 0.2931% | 3,986 |
| 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 | 99.8855% | 190 |
| Assets per employee ($millions) | 13.8171% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 4,391 |
| Loan loss allowance to noncurrent loans | 21.8065% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3598% | 294 |
| Noncurrent loans to loans | 1.7804% | 341 |
| Net loans and leases to total assets | 76.0800% | 1,107 |
| Net loans and leases to deposits | 112.3919% | 159 |
| Net loans and leases to core deposits | 157.0376% | 168 |
| Total domestic deposits to total assets | 67.6900% | 4,348 |
| Equity capital to assets | 13.2366% | 815 |
| Core capital (leverage) ratio | 13.9586% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $940,113,000 | 1,042 |
| Average earning assets | $874,259,200 | 1,027 |
| Average equity | $124,180,400 | 798 |
| Average total loans | $715,249,600 | 937 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,422 |
| Cost of funding earning assets | 2.4249% | 320 |
| Net interest margin | 1.8031% | 4,481 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.5335% | 4,289 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.2284% | 4,201 |
| Return on assets (ROA) | 0.2284% | 4,216 |
| Pretax return on assets | 0.2704% | 4,190 |
| Return on Equity (ROE) | 1.7300% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.7303% | 3,788 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.4795% | 536 |
| Assets per employee ($millions) | 14.0497% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3906% | 4,413 |
| Loan loss allowance to noncurrent loans | 21.8185% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 292 |
| Noncurrent loans to loans | 1.7902% | 363 |
| Net loans and leases to total assets | 76.6200% | 1,043 |
| Net loans and leases to deposits | 108.0912% | 244 |
| Net loans and leases to core deposits | 134.6845% | 282 |
| Total domestic deposits to total assets | 70.8800% | 4,296 |
| Equity capital to assets | 13.3910% | 741 |
| Core capital (leverage) ratio | 14.0582% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $940,251,250 | 1,043 |
| Average earning assets | $875,881,250 | 1,027 |
| Average equity | $124,134,000 | 792 |
| Average total loans | $714,659,500 | 939 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,309 |
| Cost of funding earning assets | 2.2207% | 325 |
| Net interest margin | 1.9719% | 4,503 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.5145% | 4,320 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.3621% | 4,070 |
| Return on assets (ROA) | 0.3621% | 4,089 |
| Pretax return on assets | 0.4576% | 4,032 |
| Return on Equity (ROE) | 2.7600% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.7554% | 3,546 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4948% | 1,040 |
| Assets per employee ($millions) | 13.5068% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 4,442 |
| Loan loss allowance to noncurrent loans | 21.3749% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3985% | 267 |
| Noncurrent loans to loans | 1.8387% | 324 |
| Net loans and leases to total assets | 75.7600% | 1,081 |
| Net loans and leases to deposits | 105.4765% | 326 |
| Net loans and leases to core deposits | 131.3773% | 312 |
| Total domestic deposits to total assets | 71.8300% | 4,299 |
| Equity capital to assets | 13.4086% | 730 |
| Core capital (leverage) ratio | 13.8824% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $944,576,000 | 1,026 |
| Average earning assets | $880,265,667 | 1,017 |
| Average equity | $124,121,333 | 786 |
| Average total loans | $715,124,667 | 918 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,315 |
| Cost of funding earning assets | 2.0615% | 259 |
| Net interest margin | 2.0097% | 4,562 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.4799% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3883% | 4,104 |
| Return on assets (ROA) | 0.3883% | 4,054 |
| Pretax return on assets | 0.5010% | 3,989 |
| Return on Equity (ROE) | 2.9800% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.9846% | 3,510 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3682% | 1,303 |
| Assets per employee ($millions) | 15.5817% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 4,506 |
| Loan loss allowance to noncurrent loans | 21.3438% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3482% | 262 |
| Noncurrent loans to loans | 1.7928% | 344 |
| Net loans and leases to total assets | 74.9100% | 1,087 |
| Net loans and leases to deposits | 101.1217% | 389 |
| Net loans and leases to core deposits | 125.2886% | 340 |
| Total domestic deposits to total assets | 74.0800% | 4,283 |
| Equity capital to assets | 13.0544% | 746 |
| Core capital (leverage) ratio | 13.5501% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $950,880,000 | 1,037 |
| Average earning assets | $887,901,000 | 1,026 |
| Average equity | $123,700,000 | 796 |
| Average total loans | $718,244,500 | 934 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 2,641 |
| Cost of funding earning assets | 0.7103% | 252 |
| Net interest margin | 2.7818% | 3,774 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.6355% | 4,263 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7474% | 3,422 |
| Return on assets (ROA) | 0.7474% | 3,371 |
| Pretax return on assets | 1.0299% | 2,937 |
| Return on Equity (ROE) | 5.4600% | 3,891 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.1167% | 3,098 |
| Assets per employee ($millions) | 15.0253% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3421% | 4,566 |
| Loan loss allowance to noncurrent loans | 131.1723% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,302 |
| Noncurrent loans to loans | 0.2608% | 2,332 |
| Net loans and leases to total assets | 74.7100% | 1,039 |
| Net loans and leases to deposits | 102.8979% | 269 |
| Net loans and leases to core deposits | 127.4449% | 168 |
| Total domestic deposits to total assets | 72.6100% | 4,498 |
| Equity capital to assets | 12.7485% | 723 |
| Core capital (leverage) ratio | 13.0506% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $877,489,250 | 1,105 |
| Average earning assets | $817,342,250 | 1,093 |
| Average equity | $120,206,500 | 830 |
| Average total loans | $620,952,500 | 1,007 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 2,660 |
| Cost of funding earning assets | 0.6014% | 269 |
| Net interest margin | 2.7233% | 3,658 |
| Noninterest income to average assets | 0.1238% | 4,378 |
| Noninterest expense to average assets | 1.6689% | 4,183 |
| Loan and lease loss provision to assets | 0.0234% | 2,177 |
| Net operating income to assets | 0.7015% | 3,307 |
| Return on assets (ROA) | 0.7015% | 3,260 |
| Pretax return on assets | 0.9658% | 2,845 |
| Return on Equity (ROE) | 4.9929% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.9929% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4692% | 2,984 |
| Assets per employee ($millions) | 13.6727% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3557% | 4,636 |
| Loan loss allowance to noncurrent loans | 120.8043% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,252 |
| Noncurrent loans to loans | 0.2944% | 2,291 |
| Net loans and leases to total assets | 72.1366% | 1,087 |
| Net loans and leases to deposits | 100.0074% | 270 |
| Net loans and leases to core deposits | 122.9894% | 167 |
| Total domestic deposits to total assets | 72.1312% | 4,581 |
| Equity capital to assets | 13.5278% | 580 |
| Core capital (leverage) ratio | 13.7120% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $854,453,667 | 1,133 |
| Average earning assets | $795,152,667 | 1,132 |
| Average equity | $120,049,667 | 843 |
| Average total loans | $591,390,333 | 1,037 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2072% | 2,668 |
| Cost of funding earning assets | 0.6050% | 257 |
| Net interest margin | 2.6023% | 3,657 |
| Noninterest income to average assets | 0.1459% | 4,284 |
| Noninterest expense to average assets | 1.6765% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6473% | 3,239 |
| Return on assets (ROA) | 0.6473% | 3,220 |
| Pretax return on assets | 0.8889% | 2,814 |
| Return on Equity (ROE) | 4.5199% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.5199% | 2,773 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0166% | 2,905 |
| Assets per employee ($millions) | 13.2924% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3796% | 4,652 |
| Loan loss allowance to noncurrent loans | 150.4542% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,612 |
| Noncurrent loans to loans | 0.2523% | 2,578 |
| Net loans and leases to total assets | 66.4110% | 1,371 |
| Net loans and leases to deposits | 88.0208% | 616 |
| Net loans and leases to core deposits | 105.3801% | 361 |
| Total domestic deposits to total assets | 75.4492% | 4,525 |
| Equity capital to assets | 14.1694% | 501 |
| Core capital (leverage) ratio | 14.4657% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $844,155,000 | 1,142 |
| Average earning assets | $784,851,000 | 1,145 |
| Average equity | $120,887,000 | 855 |
| Average total loans | $570,343,000 | 1,054 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1921% | 3,484 |
| Cost of funding earning assets | 0.7626% | 248 |
| Net interest margin | 2.4296% | 4,282 |
| Noninterest income to average assets | 0.5204% | 2,482 |
| Noninterest expense to average assets | 1.6799% | 4,324 |
| Loan and lease loss provision to assets | -0.0105% | 4,174 |
| Net operating income to assets | 0.9284% | 2,947 |
| Return on assets (ROA) | 0.9284% | 3,011 |
| Pretax return on assets | 1.1365% | 2,868 |
| Return on Equity (ROE) | 6.5907% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.5907% | 2,084 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5971% | 3,216 |
| Assets per employee ($millions) | 13.5097% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 4,696 |
| Loan loss allowance to noncurrent loans | 78.1488% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 1,920 |
| Noncurrent loans to loans | 0.4803% | 1,929 |
| Net loans and leases to total assets | 68.2205% | 1,243 |
| Net loans and leases to deposits | 91.9920% | 472 |
| Net loans and leases to core deposits | 115.0233% | 217 |
| Total domestic deposits to total assets | 74.1591% | 4,580 |
| Equity capital to assets | 14.4739% | 582 |
| Core capital (leverage) ratio | 14.5470% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,859,200 | 1,107 |
| Average earning assets | $787,215,400 | 1,103 |
| Average equity | $117,878,800 | 884 |
| Average total loans | $600,823,400 | 1,013 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 3,585 |
| Cost of funding earning assets | 0.7925% | 250 |
| Net interest margin | 2.4179% | 4,380 |
| Noninterest income to average assets | 0.4970% | 2,631 |
| Noninterest expense to average assets | 1.6543% | 4,399 |
| Loan and lease loss provision to assets | -0.0140% | 4,331 |
| Net operating income to assets | 0.9219% | 3,173 |
| Return on assets (ROA) | 0.9219% | 3,247 |
| Pretax return on assets | 1.1384% | 3,110 |
| Return on Equity (ROE) | 6.5902% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.5902% | 2,581 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2763% | 3,092 |
| Assets per employee ($millions) | 13.2563% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3692% | 4,783 |
| Loan loss allowance to noncurrent loans | 112.3109% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,627 |
| Noncurrent loans to loans | 0.3288% | 2,606 |
| Net loans and leases to total assets | 69.5629% | 1,120 |
| Net loans and leases to deposits | 94.3265% | 406 |
| Net loans and leases to core deposits | 118.8778% | 193 |
| Total domestic deposits to total assets | 73.7470% | 4,649 |
| Equity capital to assets | 14.2552% | 683 |
| Core capital (leverage) ratio | 14.2830% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,674,250 | 1,118 |
| Average earning assets | $789,527,250 | 1,112 |
| Average equity | $117,040,250 | 898 |
| Average total loans | $607,637,500 | 1,017 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 3,759 |
| Cost of funding earning assets | 0.8183% | 272 |
| Net interest margin | 2.3367% | 4,482 |
| Noninterest income to average assets | 0.6706% | 1,928 |
| Noninterest expense to average assets | 1.5793% | 4,540 |
| Loan and lease loss provision to assets | -0.0270% | 4,456 |
| Net operating income to assets | 1.1328% | 2,424 |
| Return on assets (ROA) | 1.1328% | 2,492 |
| Pretax return on assets | 1.3292% | 2,555 |
| Return on Equity (ROE) | 8.1499% | 3,370 |
| Retained earnings to average equity (ytd only) | 8.1499% | 2,025 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6427% | 3,726 |
| Assets per employee ($millions) | 12.5992% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3626% | 4,819 |
| Loan loss allowance to noncurrent loans | 305.3085% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,631 |
| Noncurrent loans to loans | 0.1188% | 3,597 |
| Net loans and leases to total assets | 71.3923% | 1,032 |
| Net loans and leases to deposits | 98.4351% | 302 |
| Net loans and leases to core deposits | 123.9777% | 177 |
| Total domestic deposits to total assets | 72.5272% | 4,700 |
| Equity capital to assets | 14.3900% | 643 |
| Core capital (leverage) ratio | 14.4383% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $837,183,667 | 1,111 |
| Average earning assets | $792,157,000 | 1,100 |
| Average equity | $116,369,667 | 890 |
| Average total loans | $615,815,000 | 994 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1319% | 3,824 |
| Cost of funding earning assets | 0.8770% | 251 |
| Net interest margin | 2.2549% | 4,562 |
| Noninterest income to average assets | 1.2175% | 832 |
| Noninterest expense to average assets | 1.4728% | 4,676 |
| Loan and lease loss provision to assets | -0.0279% | 4,615 |
| Net operating income to assets | 1.6803% | 974 |
| Return on assets (ROA) | 1.6803% | 1,021 |
| Pretax return on assets | 1.9152% | 1,092 |
| Return on Equity (ROE) | 12.2977% | 1,907 |
| Retained earnings to average equity (ytd only) | 12.2977% | 1,075 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8318% | 4,589 |
| Assets per employee ($millions) | 13.6126% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3565% | 4,848 |
| Loan loss allowance to noncurrent loans | 225.8799% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 3,597 |
| Noncurrent loans to loans | 0.1578% | 3,543 |
| Net loans and leases to total assets | 72.2568% | 982 |
| Net loans and leases to deposits | 100.1587% | 282 |
| Net loans and leases to core deposits | 126.3974% | 178 |
| Total domestic deposits to total assets | 72.1424% | 4,716 |
| Equity capital to assets | 13.8097% | 713 |
| Core capital (leverage) ratio | 14.9870% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $846,302,500 | 1,095 |
| Average earning assets | $804,116,500 | 1,077 |
| Average equity | $115,631,500 | 890 |
| Average total loans | $630,326,500 | 974 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 4,321 |
| Cost of funding earning assets | 1.4137% | 122 |
| Net interest margin | 1.8947% | 4,860 |
| Noninterest income to average assets | 0.1475% | 4,558 |
| Noninterest expense to average assets | 1.5944% | 4,710 |
| Loan and lease loss provision to assets | 0.0270% | 4,064 |
| Net operating income to assets | 0.2690% | 4,480 |
| Return on assets (ROA) | 0.2690% | 4,544 |
| Pretax return on assets | 0.3238% | 4,514 |
| Return on Equity (ROE) | 2.0808% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.0808% | 3,792 |
| Net charge-offs to loans | -0.0044% | 4,099 |
| Credit loss provision to net charge-offs | -800.0000% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9694% | 748 |
| Assets per employee ($millions) | 17.2365% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4001% | 4,856 |
| Loan loss allowance to noncurrent loans | 323.3766% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 3,849 |
| Noncurrent loans to loans | 0.1237% | 3,788 |
| Net loans and leases to total assets | 75.2652% | 871 |
| Net loans and leases to deposits | 106.0605% | 227 |
| Net loans and leases to core deposits | 138.6842% | 128 |
| Total domestic deposits to total assets | 70.9644% | 4,753 |
| Equity capital to assets | 13.6804% | 881 |
| Core capital (leverage) ratio | 13.6324% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $741,902,800 | 1,119 |
| Average earning assets | $703,894,600 | 1,096 |
| Average equity | $95,926,200 | 993 |
| Average total loans | $564,860,400 | 1,036 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 4,427 |
| Cost of funding earning assets | 1.4907% | 124 |
| Net interest margin | 1.8493% | 4,928 |
| Noninterest income to average assets | 0.1773% | 4,401 |
| Noninterest expense to average assets | 1.7155% | 4,606 |
| Loan and lease loss provision to assets | 0.0495% | 3,737 |
| Net operating income to assets | 0.1680% | 4,634 |
| Return on assets (ROA) | 0.1680% | 4,672 |
| Pretax return on assets | 0.1680% | 4,684 |
| Return on Equity (ROE) | 1.3184% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.3184% | 4,144 |
| Net charge-offs to loans | -0.0059% | 4,086 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7526% | 396 |
| Assets per employee ($millions) | 17.1348% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3951% | 4,888 |
| Loan loss allowance to noncurrent loans | 344.1308% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 3,983 |
| Noncurrent loans to loans | 0.1148% | 3,914 |
| Net loans and leases to total assets | 77.4445% | 904 |
| Net loans and leases to deposits | 109.0425% | 246 |
| Net loans and leases to core deposits | 143.5628% | 146 |
| Total domestic deposits to total assets | 71.0224% | 4,719 |
| Equity capital to assets | 13.3050% | 1,066 |
| Core capital (leverage) ratio | 13.4684% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $742,086,250 | 1,103 |
| Average earning assets | $704,446,750 | 1,083 |
| Average equity | $94,559,000 | 997 |
| Average total loans | $566,054,750 | 1,030 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3505% | 4,592 |
| Cost of funding earning assets | 1.5692% | 133 |
| Net interest margin | 1.7813% | 4,986 |
| Noninterest income to average assets | 0.2390% | 4,048 |
| Noninterest expense to average assets | 1.9595% | 4,309 |
| Loan and lease loss provision to assets | 0.0677% | 3,447 |
| Net operating income to assets | -0.0076% | 4,782 |
| Return on assets (ROA) | -0.0076% | 4,796 |
| Pretax return on assets | -0.0970% | 4,823 |
| Return on Equity (ROE) | -0.0604% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.0604% | 4,314 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5160% | 166 |
| Assets per employee ($millions) | 18.0220% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3840% | 4,912 |
| Loan loss allowance to noncurrent loans | 335.7037% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,070 |
| Noncurrent loans to loans | 0.1144% | 3,991 |
| Net loans and leases to total assets | 79.5580% | 642 |
| Net loans and leases to deposits | 113.8124% | 163 |
| Net loans and leases to core deposits | 148.8841% | 110 |
| Total domestic deposits to total assets | 69.9027% | 4,789 |
| Equity capital to assets | 13.4302% | 1,001 |
| Core capital (leverage) ratio | 13.8238% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $738,137,333 | 1,096 |
| Average earning assets | $700,853,000 | 1,075 |
| Average equity | $92,641,667 | 1,010 |
| Average total loans | $559,341,000 | 1,024 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 4,748 |
| Cost of funding earning assets | 1.6167% | 179 |
| Net interest margin | 1.7646% | 5,053 |
| Noninterest income to average assets | 0.0624% | 4,941 |
| Noninterest expense to average assets | 2.7500% | 2,579 |
| Loan and lease loss provision to assets | 0.0136% | 3,611 |
| Net operating income to assets | -0.7249% | 4,959 |
| Return on assets (ROA) | -0.7249% | 4,942 |
| Pretax return on assets | -1.0253% | 4,961 |
| Return on Equity (ROE) | -5.9858% | 4,944 |
| Retained earnings to average equity (ytd only) | -5.9858% | 4,588 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.2034% | 46 |
| Assets per employee ($millions) | 16.4832% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 4,962 |
| Loan loss allowance to noncurrent loans | 348.2935% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,191 |
| Noncurrent loans to loans | 0.1068% | 4,087 |
| Net loans and leases to total assets | 77.1295% | 1,112 |
| Net loans and leases to deposits | 108.9300% | 205 |
| Net loans and leases to core deposits | 142.3532% | 154 |
| Total domestic deposits to total assets | 70.8065% | 4,823 |
| Equity capital to assets | 14.6322% | 854 |
| Core capital (leverage) ratio | 14.4747% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2023% | 485 |
| Memoranda: | ||
| Average total assets | $737,754,000 | 1,062 |
| Average earning assets | $700,666,000 | 1,033 |
| Average equity | $89,344,500 | 1,038 |
| Average total loans | $543,950,000 | 1,020 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,796 |
| Cost of funding earning assets | 1.8488% | 118 |
| Net interest margin | 1.7324% | 5,120 |
| Noninterest income to average assets | 0.0721% | 4,992 |
| Noninterest expense to average assets | 1.2338% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3550% | 4,666 |
| Return on assets (ROA) | 0.3550% | 4,698 |
| Pretax return on assets | 0.4795% | 4,607 |
| Return on Equity (ROE) | 3.2982% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.2982% | 3,358 |
| Net charge-offs to loans | -0.0075% | 4,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0116% | 1,865 |
| Assets per employee ($millions) | 17.8310% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3739% | 5,001 |
| Loan loss allowance to noncurrent loans | 341.6949% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,255 |
| Noncurrent loans to loans | 0.1094% | 4,091 |
| Net loans and leases to total assets | 70.0594% | 2,389 |
| Net loans and leases to deposits | 99.0255% | 667 |
| Net loans and leases to core deposits | 128.0701% | 300 |
| Total domestic deposits to total assets | 70.7488% | 4,904 |
| Equity capital to assets | 9.7790% | 4,124 |
| Core capital (leverage) ratio | 10.7832% | 2,690 |
| Tier 1 risk-based capital ratio | 17.2931% | 1,966 |
| Total risk-based capital ratio | 17.7562% | 2,158 |
| Memoranda: | ||
| Average total assets | $683,604,800 | 1,094 |
| Average earning assets | $647,611,600 | 1,067 |
| Average equity | $73,586,400 | 1,172 |
| Average total loans | $534,437,400 | 1,008 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6802% | 4,802 |
| Cost of funding earning assets | 1.8968% | 101 |
| Net interest margin | 1.7835% | 5,202 |
| Noninterest income to average assets | 0.0748% | 5,061 |
| Noninterest expense to average assets | 1.3198% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3301% | 4,807 |
| Return on assets (ROA) | 0.3301% | 4,831 |
| Pretax return on assets | 0.4423% | 4,758 |
| Return on Equity (ROE) | 2.9874% | 4,765 |
| Retained earnings to average equity (ytd only) | 2.9874% | 3,887 |
| Net charge-offs to loans | -0.0100% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8973% | 1,455 |
| Assets per employee ($millions) | 15.8513% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3743% | 5,078 |
| Loan loss allowance to noncurrent loans | 334.3284% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,265 |
| Noncurrent loans to loans | 0.1120% | 4,143 |
| Net loans and leases to total assets | 80.5936% | 764 |
| Net loans and leases to deposits | 112.0296% | 181 |
| Net loans and leases to core deposits | 153.2070% | 112 |
| Total domestic deposits to total assets | 71.9396% | 4,921 |
| Equity capital to assets | 11.1353% | 2,981 |
| Core capital (leverage) ratio | 11.2623% | 2,414 |
| Tier 1 risk-based capital ratio | 17.9841% | 1,826 |
| Total risk-based capital ratio | 18.4707% | 1,977 |
| Memoranda: | ||
| Average total assets | $662,823,250 | 1,127 |
| Average earning assets | $627,080,500 | 1,098 |
| Average equity | $73,238,250 | 1,170 |
| Average total loans | $533,251,000 | 1,011 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 4,868 |
| Cost of funding earning assets | 1.8709% | 94 |
| Net interest margin | 1.7947% | 5,260 |
| Noninterest income to average assets | 0.0752% | 5,109 |
| Noninterest expense to average assets | 1.3964% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2934% | 4,883 |
| Return on assets (ROA) | 0.2934% | 4,895 |
| Pretax return on assets | 0.3795% | 4,852 |
| Return on Equity (ROE) | 2.6625% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.6625% | 3,871 |
| Net charge-offs to loans | -0.0151% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6286% | 1,081 |
| Assets per employee ($millions) | 14.1273% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3733% | 5,130 |
| Loan loss allowance to noncurrent loans | 367.2131% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,350 |
| Noncurrent loans to loans | 0.1017% | 4,218 |
| Net loans and leases to total assets | 81.0357% | 726 |
| Net loans and leases to deposits | 105.7865% | 351 |
| Net loans and leases to core deposits | 143.3427% | 173 |
| Total domestic deposits to total assets | 76.6031% | 4,605 |
| Equity capital to assets | 11.0679% | 2,977 |
| Core capital (leverage) ratio | 11.1362% | 2,474 |
| Tier 1 risk-based capital ratio | 17.5006% | 1,939 |
| Total risk-based capital ratio | 17.9789% | 2,113 |
| Memoranda: | ||
| Average total assets | $661,845,670 | 1,128 |
| Average earning assets | $627,191,670 | 1,100 |
| Average equity | $72,939,670 | 1,172 |
| Average total loans | $531,477,000 | 1,010 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 4,906 |
| Cost of funding earning assets | 1.8402% | 90 |
| Net interest margin | 1.8114% | 5,331 |
| Noninterest income to average assets | 0.0751% | 5,157 |
| Noninterest expense to average assets | 1.5170% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2191% | 4,996 |
| Return on assets (ROA) | 0.2191% | 5,002 |
| Pretax return on assets | 0.2718% | 4,985 |
| Return on Equity (ROE) | 1.9927% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.9927% | 4,067 |
| Net charge-offs to loans | -0.0304% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8054% | 655 |
| Assets per employee ($millions) | 14.5722% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3835% | 5,190 |
| Loan loss allowance to noncurrent loans | 536.1702% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,531 |
| Noncurrent loans to loans | 0.0715% | 4,437 |
| Net loans and leases to total assets | 79.8585% | 856 |
| Net loans and leases to deposits | 101.5020% | 525 |
| Net loans and leases to core deposits | 130.5189% | 303 |
| Total domestic deposits to total assets | 78.6768% | 4,407 |
| Equity capital to assets | 11.1099% | 2,738 |
| Core capital (leverage) ratio | 11.0062% | 2,570 |
| Tier 1 risk-based capital ratio | 17.6332% | 1,903 |
| Total risk-based capital ratio | 18.1191% | 2,099 |
| Memoranda: | ||
| Average total assets | $660,776,500 | 1,135 |
| Average earning assets | $625,161,000 | 1,108 |
| Average equity | $72,665,000 | 1,171 |
| Average total loans | $527,175,500 | 1,023 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,834 |
| Cost of funding earning assets | 1.4171% | 129 |
| Net interest margin | 2.1529% | 5,312 |
| Noninterest income to average assets | 0.0825% | 5,198 |
| Noninterest expense to average assets | 1.2710% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6323% | 4,329 |
| Return on assets (ROA) | 0.6323% | 4,336 |
| Pretax return on assets | 0.8449% | 4,053 |
| Return on Equity (ROE) | 5.8688% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.8688% | 2,259 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0693% | 3,850 |
| Assets per employee ($millions) | 14.7956% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3738% | 5,235 |
| Loan loss allowance to noncurrent loans | 201.0173% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,094 |
| Noncurrent loans to loans | 0.1859% | 3,909 |
| Net loans and leases to total assets | 79.1055% | 1,074 |
| Net loans and leases to deposits | 102.1792% | 574 |
| Net loans and leases to core deposits | 131.8422% | 292 |
| Total domestic deposits to total assets | 77.4184% | 4,574 |
| Equity capital to assets | 10.8857% | 2,805 |
| Core capital (leverage) ratio | 11.1894% | 2,367 |
| Tier 1 risk-based capital ratio | 17.8523% | 1,797 |
| Total risk-based capital ratio | 18.3369% | 1,982 |
| Memoranda: | ||
| Average total assets | $654,298,600 | 1,110 |
| Average earning assets | $617,953,000 | 1,086 |
| Average equity | $70,491,000 | 1,153 |
| Average total loans | $511,613,600 | 1,024 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5763% | 4,840 |
| Cost of funding earning assets | 1.3518% | 134 |
| Net interest margin | 2.2244% | 5,376 |
| Noninterest income to average assets | 0.0837% | 5,264 |
| Noninterest expense to average assets | 1.2708% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6730% | 4,311 |
| Return on assets (ROA) | 0.6730% | 4,323 |
| Pretax return on assets | 0.9135% | 3,972 |
| Return on Equity (ROE) | 6.2632% | 4,184 |
| Retained earnings to average equity (ytd only) | 6.2632% | 2,513 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1803% | 4,090 |
| Assets per employee ($millions) | 14.6430% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 5,287 |
| Loan loss allowance to noncurrent loans | 183.4726% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 4,128 |
| Noncurrent loans to loans | 0.2144% | 3,938 |
| Net loans and leases to total assets | 77.6562% | 1,392 |
| Net loans and leases to deposits | 98.6284% | 896 |
| Net loans and leases to core deposits | 130.8081% | 315 |
| Total domestic deposits to total assets | 78.7362% | 4,373 |
| Equity capital to assets | 11.1043% | 2,567 |
| Core capital (leverage) ratio | 10.9662% | 2,614 |
| Tier 1 risk-based capital ratio | 17.6403% | 1,886 |
| Total risk-based capital ratio | 18.1248% | 2,096 |
| Memoranda: | ||
| Average total assets | $651,422,500 | 1,118 |
| Average earning assets | $615,153,750 | 1,093 |
| Average equity | $69,994,500 | 1,157 |
| Average total loans | $507,351,250 | 1,032 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5625% | 4,834 |
| Cost of funding earning assets | 1.2912% | 120 |
| Net interest margin | 2.2712% | 5,426 |
| Noninterest income to average assets | 0.0841% | 5,313 |
| Noninterest expense to average assets | 1.2615% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7189% | 4,143 |
| Return on assets (ROA) | 0.7189% | 4,148 |
| Pretax return on assets | 0.9636% | 3,764 |
| Return on Equity (ROE) | 6.7647% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.7647% | 2,180 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6951% | 4,391 |
| Assets per employee ($millions) | 16.0009% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3877% | 5,365 |
| Loan loss allowance to noncurrent loans | 182.6248% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,162 |
| Noncurrent loans to loans | 0.2123% | 3,960 |
| Net loans and leases to total assets | 77.3950% | 1,409 |
| Net loans and leases to deposits | 96.7384% | 1,068 |
| Net loans and leases to core deposits | 130.6094% | 322 |
| Total domestic deposits to total assets | 80.0045% | 4,238 |
| Equity capital to assets | 10.7631% | 2,873 |
| Core capital (leverage) ratio | 10.8055% | 2,690 |
| Tier 1 risk-based capital ratio | 17.9920% | 1,797 |
| Total risk-based capital ratio | 18.4927% | 1,972 |
| Memoranda: | ||
| Average total assets | $653,799,330 | 1,118 |
| Average earning assets | $616,316,000 | 1,096 |
| Average equity | $69,478,000 | 1,169 |
| Average total loans | $509,032,000 | 1,030 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5978% | 4,709 |
| Cost of funding earning assets | 1.2326% | 119 |
| Net interest margin | 2.3652% | 5,455 |
| Noninterest income to average assets | 0.0840% | 5,383 |
| Noninterest expense to average assets | 1.2876% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7630% | 3,862 |
| Return on assets (ROA) | 0.7630% | 3,861 |
| Pretax return on assets | 1.0259% | 3,447 |
| Return on Equity (ROE) | 7.2266% | 3,690 |
| Retained earnings to average equity (ytd only) | 7.2266% | 2,173 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6556% | 4,628 |
| Assets per employee ($millions) | 15.4445% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3938% | 5,433 |
| Loan loss allowance to noncurrent loans | 55.7405% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,743 |
| Noncurrent loans to loans | 0.7065% | 2,446 |
| Net loans and leases to total assets | 75.2557% | 1,662 |
| Net loans and leases to deposits | 95.8969% | 1,043 |
| Net loans and leases to core deposits | 127.1651% | 395 |
| Total domestic deposits to total assets | 78.4757% | 4,653 |
| Equity capital to assets | 10.4675% | 3,110 |
| Core capital (leverage) ratio | 10.7759% | 2,652 |
| Tier 1 risk-based capital ratio | 17.9497% | 1,852 |
| Total risk-based capital ratio | 18.4571% | 2,013 |
| Memoranda: | ||
| Average total assets | $652,681,000 | 1,129 |
| Average earning assets | $615,260,000 | 1,111 |
| Average equity | $68,912,000 | 1,182 |
| Average total loans | $508,690,500 | 1,033 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 4,838 |
| Cost of funding earning assets | 1.1046% | 126 |
| Net interest margin | 2.3635% | 5,481 |
| Noninterest income to average assets | 0.0902% | 5,435 |
| Noninterest expense to average assets | 1.2600% | 5,570 |
| Loan and lease loss provision to assets | 0.0160% | 3,972 |
| Net operating income to assets | 0.6229% | 3,923 |
| Return on assets (ROA) | 0.6229% | 3,960 |
| Pretax return on assets | 1.0428% | 3,406 |
| Return on Equity (ROE) | 5.8787% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.8787% | 1,610 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3408% | 4,926 |
| Assets per employee ($millions) | 15.2678% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3832% | 5,501 |
| Loan loss allowance to noncurrent loans | 55.3191% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 2,685 |
| Noncurrent loans to loans | 0.6928% | 2,480 |
| Net loans and leases to total assets | 80.1009% | 945 |
| Net loans and leases to deposits | 106.8533% | 366 |
| Net loans and leases to core deposits | 136.0619% | 251 |
| Total domestic deposits to total assets | 74.9634% | 5,098 |
| Equity capital to assets | 10.6523% | 2,987 |
| Core capital (leverage) ratio | 10.7942% | 2,542 |
| Tier 1 risk-based capital ratio | 17.3972% | 1,969 |
| Total risk-based capital ratio | 17.8979% | 2,162 |
| Memoranda: | ||
| Average total assets | $626,410,000 | 1,152 |
| Average earning assets | $590,646,400 | 1,132 |
| Average equity | $66,375,600 | 1,205 |
| Average total loans | $503,965,400 | 1,019 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 4,856 |
| Cost of funding earning assets | 1.0818% | 123 |
| Net interest margin | 2.3917% | 5,530 |
| Noninterest income to average assets | 0.0916% | 5,505 |
| Noninterest expense to average assets | 1.2866% | 5,621 |
| Loan and lease loss provision to assets | 0.0214% | 3,722 |
| Net operating income to assets | 0.6635% | 4,142 |
| Return on assets (ROA) | 0.6635% | 4,197 |
| Pretax return on assets | 1.0397% | 3,527 |
| Return on Equity (ROE) | 6.2707% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.2707% | 2,077 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8016% | 4,871 |
| Assets per employee ($millions) | 14.1111% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 5,570 |
| Loan loss allowance to noncurrent loans | 58.8621% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,946 |
| Noncurrent loans to loans | 0.6480% | 2,770 |
| Net loans and leases to total assets | 81.2750% | 794 |
| Net loans and leases to deposits | 110.8928% | 254 |
| Net loans and leases to core deposits | 138.4972% | 219 |
| Total domestic deposits to total assets | 73.2915% | 5,291 |
| Equity capital to assets | 10.6217% | 3,248 |
| Core capital (leverage) ratio | 10.9843% | 2,477 |
| Tier 1 risk-based capital ratio | 17.2859% | 2,067 |
| Total risk-based capital ratio | 17.7893% | 2,264 |
| Memoranda: | ||
| Average total assets | $622,700,250 | 1,169 |
| Average earning assets | $587,404,000 | 1,141 |
| Average equity | $65,892,500 | 1,215 |
| Average total loans | $501,051,250 | 1,029 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 4,846 |
| Cost of funding earning assets | 1.0702% | 117 |
| Net interest margin | 2.3938% | 5,572 |
| Noninterest income to average assets | 0.0918% | 5,547 |
| Noninterest expense to average assets | 1.2890% | 5,678 |
| Loan and lease loss provision to assets | 0.0323% | 3,351 |
| Net operating income to assets | 0.6541% | 4,056 |
| Return on assets (ROA) | 0.6541% | 4,114 |
| Pretax return on assets | 1.0268% | 3,455 |
| Return on Equity (ROE) | 6.1890% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1890% | 2,025 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8947% | 4,934 |
| Assets per employee ($millions) | 13.6920% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3977% | 5,612 |
| Loan loss allowance to noncurrent loans | 58.7920% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 2,944 |
| Noncurrent loans to loans | 0.6765% | 2,724 |
| Net loans and leases to total assets | 80.3189% | 904 |
| Net loans and leases to deposits | 106.1426% | 392 |
| Net loans and leases to core deposits | 131.6251% | 280 |
| Total domestic deposits to total assets | 75.6707% | 5,130 |
| Equity capital to assets | 10.7737% | 3,055 |
| Core capital (leverage) ratio | 10.8651% | 2,537 |
| Tier 1 risk-based capital ratio | 17.4206% | 2,031 |
| Total risk-based capital ratio | 17.9361% | 2,204 |
| Memoranda: | ||
| Average total assets | $618,600,330 | 1,180 |
| Average earning assets | $583,085,670 | 1,152 |
| Average equity | $65,374,000 | 1,225 |
| Average total loans | $495,377,670 | 1,034 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 4,726 |
| Cost of funding earning assets | 1.0619% | 117 |
| Net interest margin | 2.4257% | 5,600 |
| Noninterest income to average assets | 0.0916% | 5,617 |
| Noninterest expense to average assets | 1.2720% | 5,749 |
| Loan and lease loss provision to assets | 0.0323% | 3,140 |
| Net operating income to assets | 0.6795% | 3,793 |
| Return on assets (ROA) | 0.6795% | 3,830 |
| Pretax return on assets | 1.0693% | 3,091 |
| Return on Equity (ROE) | 6.4929% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.4929% | 2,085 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5889% | 5,168 |
| Assets per employee ($millions) | 13.1032% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3862% | 5,693 |
| Loan loss allowance to noncurrent loans | 53.9194% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,914 |
| Noncurrent loans to loans | 0.7163% | 2,703 |
| Net loans and leases to total assets | 80.6589% | 742 |
| Net loans and leases to deposits | 104.7836% | 368 |
| Net loans and leases to core deposits | 131.8672% | 237 |
| Total domestic deposits to total assets | 76.9767% | 5,114 |
| Equity capital to assets | 10.6193% | 3,046 |
| Core capital (leverage) ratio | 10.6231% | 2,768 |
| Tier 1 risk-based capital ratio | 17.1720% | 2,126 |
| Total risk-based capital ratio | 17.6746% | 2,332 |
| Memoranda: | ||
| Average total assets | $619,831,500 | 1,171 |
| Average earning assets | $583,095,000 | 1,152 |
| Average equity | $64,870,500 | 1,228 |
| Average total loans | $494,641,000 | 1,029 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3946% | 4,993 |
| Cost of funding earning assets | 1.0773% | 110 |
| Net interest margin | 2.3173% | 5,700 |
| Noninterest income to average assets | 0.0985% | 5,650 |
| Noninterest expense to average assets | 1.2529% | 5,822 |
| Loan and lease loss provision to assets | 0.0167% | 4,043 |
| Net operating income to assets | 0.6374% | 4,057 |
| Return on assets (ROA) | 0.6374% | 4,166 |
| Pretax return on assets | 1.0106% | 3,436 |
| Return on Equity (ROE) | 6.0988% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.0988% | 1,656 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9453% | 5,157 |
| Assets per employee ($millions) | 13.5612% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3824% | 5,748 |
| Loan loss allowance to noncurrent loans | 108.8799% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 4,174 |
| Noncurrent loans to loans | 0.3512% | 3,873 |
| Net loans and leases to total assets | 78.3476% | 1,152 |
| Net loans and leases to deposits | 101.3523% | 580 |
| Net loans and leases to core deposits | 127.0489% | 326 |
| Total domestic deposits to total assets | 77.3022% | 5,077 |
| Equity capital to assets | 10.3143% | 3,371 |
| Core capital (leverage) ratio | 10.5723% | 2,808 |
| Tier 1 risk-based capital ratio | 16.9924% | 2,161 |
| Total risk-based capital ratio | 17.4847% | 2,396 |
| Memoranda: | ||
| Average total assets | $597,249,800 | 1,171 |
| Average earning assets | $562,328,800 | 1,153 |
| Average equity | $62,422,200 | 1,257 |
| Average total loans | $472,520,400 | 1,023 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4058% | 5,017 |
| Cost of funding earning assets | 1.0730% | 106 |
| Net interest margin | 2.3328% | 5,761 |
| Noninterest income to average assets | 0.0957% | 5,724 |
| Noninterest expense to average assets | 1.2904% | 5,872 |
| Loan and lease loss provision to assets | 0.0113% | 4,018 |
| Net operating income to assets | 0.6249% | 4,187 |
| Return on assets (ROA) | 0.6249% | 4,312 |
| Pretax return on assets | 0.9928% | 3,663 |
| Return on Equity (ROE) | 5.9581% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.9581% | 2,208 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2377% | 5,039 |
| Assets per employee ($millions) | 13.0157% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3789% | 5,811 |
| Loan loss allowance to noncurrent loans | 105.9779% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 4,301 |
| Noncurrent loans to loans | 0.3575% | 3,976 |
| Net loans and leases to total assets | 78.4781% | 1,121 |
| Net loans and leases to deposits | 103.5765% | 480 |
| Net loans and leases to core deposits | 128.0248% | 329 |
| Total domestic deposits to total assets | 75.7683% | 5,260 |
| Equity capital to assets | 10.3494% | 3,747 |
| Core capital (leverage) ratio | 10.5437% | 2,943 |
| Tier 1 risk-based capital ratio | 17.3118% | 2,126 |
| Total risk-based capital ratio | 17.8079% | 2,345 |
| Memoranda: | ||
| Average total assets | $590,608,750 | 1,180 |
| Average earning assets | $556,685,750 | 1,160 |
| Average equity | $61,942,250 | 1,271 |
| Average total loans | $467,995,750 | 1,030 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,097 |
| Cost of funding earning assets | 1.0594% | 115 |
| Net interest margin | 2.3317% | 5,846 |
| Noninterest income to average assets | 0.0922% | 5,806 |
| Noninterest expense to average assets | 1.2931% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6248% | 4,169 |
| Return on assets (ROA) | 0.6248% | 4,297 |
| Pretax return on assets | 0.9987% | 3,589 |
| Return on Equity (ROE) | 5.9298% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.9298% | 2,158 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4229% | 5,097 |
| Assets per employee ($millions) | 12.8291% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3756% | 5,897 |
| Loan loss allowance to noncurrent loans | 83.0683% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 4,069 |
| Noncurrent loans to loans | 0.4521% | 3,748 |
| Net loans and leases to total assets | 78.1261% | 1,183 |
| Net loans and leases to deposits | 107.1877% | 327 |
| Net loans and leases to core deposits | 133.2491% | 261 |
| Total domestic deposits to total assets | 72.8872% | 5,611 |
| Equity capital to assets | 10.3425% | 3,807 |
| Core capital (leverage) ratio | 10.4802% | 2,996 |
| Tier 1 risk-based capital ratio | 17.4485% | 2,085 |
| Total risk-based capital ratio | 17.9422% | 2,311 |
| Memoranda: | ||
| Average total assets | $583,566,330 | 1,205 |
| Average earning assets | $550,492,000 | 1,179 |
| Average equity | $61,486,000 | 1,275 |
| Average total loans | $463,359,330 | 1,041 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4600% | 4,984 |
| Cost of funding earning assets | 1.0242% | 145 |
| Net interest margin | 2.4358% | 5,860 |
| Noninterest income to average assets | 0.0976% | 5,830 |
| Noninterest expense to average assets | 1.3125% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6754% | 3,846 |
| Return on assets (ROA) | 0.6754% | 3,967 |
| Pretax return on assets | 1.0860% | 3,145 |
| Return on Equity (ROE) | 6.3491% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.3491% | 2,208 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7225% | 5,312 |
| Assets per employee ($millions) | 12.6851% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3874% | 5,959 |
| Loan loss allowance to noncurrent loans | 92.6931% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 4,253 |
| Noncurrent loans to loans | 0.4179% | 3,944 |
| Net loans and leases to total assets | 78.2689% | 1,068 |
| Net loans and leases to deposits | 111.9439% | 186 |
| Net loans and leases to core deposits | 141.7918% | 156 |
| Total domestic deposits to total assets | 69.9179% | 5,868 |
| Equity capital to assets | 10.5430% | 3,436 |
| Core capital (leverage) ratio | 10.8409% | 2,583 |
| Tier 1 risk-based capital ratio | 18.2293% | 1,924 |
| Total risk-based capital ratio | 18.7521% | 2,091 |
| Memoranda: | ||
| Average total assets | $573,864,500 | 1,224 |
| Average earning assets | $542,080,000 | 1,200 |
| Average equity | $61,048,000 | 1,279 |
| Average total loans | $458,612,500 | 1,052 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 4,988 |
| Cost of funding earning assets | 0.9238% | 257 |
| Net interest margin | 2.5526% | 5,795 |
| Noninterest income to average assets | 0.0692% | 5,952 |
| Noninterest expense to average assets | 1.3007% | 6,075 |
| Loan and lease loss provision to assets | 0.0136% | 4,133 |
| Net operating income to assets | 0.7333% | 3,657 |
| Return on assets (ROA) | 0.7496% | 3,668 |
| Pretax return on assets | 1.2116% | 2,615 |
| Return on Equity (ROE) | 7.0416% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.0416% | 1,263 |
| Net charge-offs to loans | -0.0023% | 4,885 |
| Credit loss provision to net charge-offs | -750.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0163% | 5,633 |
| Assets per employee ($millions) | 13.1213% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3871% | 6,006 |
| Loan loss allowance to noncurrent loans | 92.6931% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 4,230 |
| Noncurrent loans to loans | 0.4177% | 3,954 |
| Net loans and leases to total assets | 80.9909% | 711 |
| Net loans and leases to deposits | 120.8037% | 94 |
| Net loans and leases to core deposits | 155.6944% | 89 |
| Total domestic deposits to total assets | 67.0434% | 5,993 |
| Equity capital to assets | 10.7363% | 3,091 |
| Core capital (leverage) ratio | 10.9437% | 2,456 |
| Tier 1 risk-based capital ratio | 18.2885% | 1,886 |
| Total risk-based capital ratio | 18.8214% | 2,056 |
| Memoranda: | ||
| Average total assets | $550,408,200 | 1,231 |
| Average earning assets | $524,250,400 | 1,206 |
| Average equity | $58,594,600 | 1,282 |
| Average total loans | $443,931,600 | 1,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 5,012 |
| Cost of funding earning assets | 0.9081% | 276 |
| Net interest margin | 2.5765% | 5,858 |
| Noninterest income to average assets | 0.0712% | 6,041 |
| Noninterest expense to average assets | 1.3168% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7470% | 3,690 |
| Return on assets (ROA) | 0.7688% | 3,681 |
| Pretax return on assets | 1.2486% | 2,607 |
| Return on Equity (ROE) | 7.2380% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.2380% | 1,582 |
| Net charge-offs to loans | -0.0030% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0223% | 5,653 |
| Assets per employee ($millions) | 13.2170% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3785% | 6,101 |
| Loan loss allowance to noncurrent loans | 94.0819% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 4,463 |
| Noncurrent loans to loans | 0.4023% | 4,174 |
| Net loans and leases to total assets | 80.6571% | 730 |
| Net loans and leases to deposits | 121.8354% | 85 |
| Net loans and leases to core deposits | 158.8487% | 78 |
| Total domestic deposits to total assets | 66.2017% | 6,088 |
| Equity capital to assets | 10.7284% | 3,328 |
| Core capital (leverage) ratio | 10.9081% | 2,585 |
| Tier 1 risk-based capital ratio | 18.5420% | 1,884 |
| Total risk-based capital ratio | 19.0679% | 2,051 |
| Memoranda: | ||
| Average total assets | $546,956,500 | 1,248 |
| Average earning assets | $522,241,000 | 1,213 |
| Average equity | $58,099,250 | 1,302 |
| Average total loans | $440,229,750 | 1,042 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 4,941 |
| Cost of funding earning assets | 0.8870% | 307 |
| Net interest margin | 2.6295% | 5,847 |
| Noninterest income to average assets | 0.0610% | 6,139 |
| Noninterest expense to average assets | 1.3123% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7787% | 3,492 |
| Return on assets (ROA) | 0.7787% | 3,598 |
| Pretax return on assets | 1.2664% | 2,484 |
| Return on Equity (ROE) | 7.3559% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.3559% | 1,542 |
| Net charge-offs to loans | -0.0046% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8907% | 5,808 |
| Assets per employee ($millions) | 13.5662% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 6,170 |
| Loan loss allowance to noncurrent loans | 92.0455% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 4,514 |
| Noncurrent loans to loans | 0.4203% | 4,217 |
| Net loans and leases to total assets | 80.7064% | 707 |
| Net loans and leases to deposits | 120.2997% | 94 |
| Net loans and leases to core deposits | 156.1425% | 88 |
| Total domestic deposits to total assets | 67.0878% | 6,143 |
| Equity capital to assets | 10.8080% | 3,099 |
| Core capital (leverage) ratio | 10.8183% | 2,597 |
| Tier 1 risk-based capital ratio | 18.8674% | 1,820 |
| Total risk-based capital ratio | 19.4119% | 1,979 |
| Memoranda: | ||
| Average total assets | $544,237,330 | 1,259 |
| Average earning assets | $521,079,670 | 1,224 |
| Average equity | $57,614,000 | 1,320 |
| Average total loans | $437,159,670 | 1,055 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 5,021 |
| Cost of funding earning assets | 0.8588% | 364 |
| Net interest margin | 2.6192% | 5,900 |
| Noninterest income to average assets | 0.0631% | 6,195 |
| Noninterest expense to average assets | 1.2990% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7838% | 3,347 |
| Return on assets (ROA) | 0.7838% | 3,479 |
| Pretax return on assets | 1.2711% | 2,385 |
| Return on Equity (ROE) | 7.4821% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.4821% | 1,772 |
| Net charge-offs to loans | -0.0092% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5425% | 5,885 |
| Assets per employee ($millions) | 14.4072% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3883% | 6,242 |
| Loan loss allowance to noncurrent loans | 70.6102% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 4,276 |
| Noncurrent loans to loans | 0.5499% | 3,930 |
| Net loans and leases to total assets | 79.7104% | 716 |
| Net loans and leases to deposits | 118.9623% | 95 |
| Net loans and leases to core deposits | 155.9471% | 85 |
| Total domestic deposits to total assets | 67.0048% | 6,225 |
| Equity capital to assets | 10.5262% | 3,505 |
| Core capital (leverage) ratio | 10.5965% | 2,852 |
| Tier 1 risk-based capital ratio | 18.5854% | 1,976 |
| Total risk-based capital ratio | 18.9293% | 2,207 |
| Memoranda: | ||
| Average total assets | $545,033,000 | 1,262 |
| Average earning assets | $521,682,500 | 1,222 |
| Average equity | $57,096,500 | 1,338 |
| Average total loans | $435,914,000 | 1,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 5,210 |
| Cost of funding earning assets | 0.8586% | 482 |
| Net interest margin | 2.6886% | 5,961 |
| Noninterest income to average assets | 0.0400% | 6,314 |
| Noninterest expense to average assets | 1.2769% | 6,401 |
| Loan and lease loss provision to assets | 0.0192% | 4,234 |
| Net operating income to assets | 0.8054% | 3,343 |
| Return on assets (ROA) | 0.8109% | 3,404 |
| Pretax return on assets | 1.3430% | 2,100 |
| Return on Equity (ROE) | 7.7301% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.7301% | 1,117 |
| Net charge-offs to loans | 0.0075% | 4,770 |
| Credit loss provision to net charge-offs | 322.5806% | 812 |
| Earnings coverage of net charge-offs (x) | 227.3226% | 240 |
| Efficiency ratio | 48.5433% | 6,165 |
| Assets per employee ($millions) | 12.6184% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3899% | 6,327 |
| Loan loss allowance to noncurrent loans | 62.4446% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 4,136 |
| Noncurrent loans to loans | 0.6243% | 3,817 |
| Net loans and leases to total assets | 79.6256% | 791 |
| Net loans and leases to deposits | 118.0255% | 114 |
| Net loans and leases to core deposits | 156.4132% | 91 |
| Total domestic deposits to total assets | 67.4647% | 6,284 |
| Equity capital to assets | 10.4249% | 3,582 |
| Core capital (leverage) ratio | 10.5809% | 2,860 |
| Tier 1 risk-based capital ratio | 18.9450% | 1,867 |
| Total risk-based capital ratio | 19.5088% | 2,021 |
| Memoranda: | ||
| Average total assets | $520,640,400 | 1,289 |
| Average earning assets | $501,635,800 | 1,227 |
| Average equity | $54,617,600 | 1,332 |
| Average total loans | $414,249,000 | 1,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,222 |
| Cost of funding earning assets | 0.8511% | 540 |
| Net interest margin | 2.7156% | 5,985 |
| Noninterest income to average assets | 0.0386% | 6,410 |
| Noninterest expense to average assets | 1.3070% | 6,453 |
| Loan and lease loss provision to assets | 0.0194% | 4,013 |
| Net operating income to assets | 0.8023% | 3,416 |
| Return on assets (ROA) | 0.8065% | 3,498 |
| Pretax return on assets | 1.3412% | 2,232 |
| Return on Equity (ROE) | 7.6750% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.6750% | 1,504 |
| Net charge-offs to loans | 0.0101% | 4,384 |
| Credit loss provision to net charge-offs | 241.9355% | 1,086 |
| Earnings coverage of net charge-offs (x) | 168.7837% | 368 |
| Efficiency ratio | 49.1150% | 6,145 |
| Assets per employee ($millions) | 14.2655% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3984% | 6,406 |
| Loan loss allowance to noncurrent loans | 56.4554% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 4,184 |
| Noncurrent loans to loans | 0.7057% | 3,845 |
| Net loans and leases to total assets | 78.9071% | 848 |
| Net loans and leases to deposits | 113.9907% | 153 |
| Net loans and leases to core deposits | 146.4587% | 117 |
| Total domestic deposits to total assets | 69.2224% | 6,308 |
| Equity capital to assets | 10.5153% | 3,536 |
| Core capital (leverage) ratio | 10.6957% | 2,822 |
| Tier 1 risk-based capital ratio | 19.1788% | 1,864 |
| Total risk-based capital ratio | 19.7523% | 2,014 |
| Memoranda: | ||
| Average total assets | $515,152,250 | 1,319 |
| Average earning assets | $497,513,000 | 1,249 |
| Average equity | $54,130,750 | 1,358 |
| Average total loans | $409,377,750 | 1,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 5,174 |
| Cost of funding earning assets | 0.8472% | 563 |
| Net interest margin | 2.7466% | 5,994 |
| Noninterest income to average assets | 0.0364% | 6,477 |
| Noninterest expense to average assets | 1.3180% | 6,516 |
| Loan and lease loss provision to assets | 0.0294% | 3,685 |
| Net operating income to assets | 0.8052% | 3,301 |
| Return on assets (ROA) | 0.8115% | 3,376 |
| Pretax return on assets | 1.3524% | 2,075 |
| Return on Equity (ROE) | 7.7245% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.7245% | 1,421 |
| Net charge-offs to loans | 0.0153% | 3,927 |
| Credit loss provision to net charge-offs | 241.9355% | 1,011 |
| Earnings coverage of net charge-offs (x) | 113.0645% | 510 |
| Efficiency ratio | 48.9959% | 6,223 |
| Assets per employee ($millions) | 14.2804% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4054% | 6,487 |
| Loan loss allowance to noncurrent loans | 60.4938% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 4,389 |
| Noncurrent loans to loans | 0.6701% | 4,036 |
| Net loans and leases to total assets | 79.6143% | 728 |
| Net loans and leases to deposits | 114.1602% | 139 |
| Net loans and leases to core deposits | 148.1368% | 107 |
| Total domestic deposits to total assets | 69.7391% | 6,361 |
| Equity capital to assets | 10.5778% | 3,343 |
| Core capital (leverage) ratio | 10.6223% | 2,799 |
| Tier 1 risk-based capital ratio | 19.3681% | 1,833 |
| Total risk-based capital ratio | 19.9584% | 1,964 |
| Memoranda: | ||
| Average total assets | $510,929,000 | 1,323 |
| Average earning assets | $493,619,670 | 1,254 |
| Average equity | $53,673,670 | 1,354 |
| Average total loans | $406,452,000 | 1,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 5,123 |
| Cost of funding earning assets | 0.8509% | 582 |
| Net interest margin | 2.7657% | 6,005 |
| Noninterest income to average assets | 0.0424% | 6,503 |
| Noninterest expense to average assets | 1.3319% | 6,589 |
| Loan and lease loss provision to assets | 0.0589% | 2,933 |
| Net operating income to assets | 0.7947% | 3,180 |
| Return on assets (ROA) | 0.7947% | 3,255 |
| Pretax return on assets | 1.3241% | 2,011 |
| Return on Equity (ROE) | 7.5918% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.5918% | 1,773 |
| Net charge-offs to loans | 0.0119% | 3,375 |
| Credit loss provision to net charge-offs | 625.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 146.7500% | 334 |
| Efficiency ratio | 49.0599% | 6,311 |
| Assets per employee ($millions) | 14.7079% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 6,555 |
| Loan loss allowance to noncurrent loans | 64.2639% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 4,539 |
| Noncurrent loans to loans | 0.6438% | 4,249 |
| Net loans and leases to total assets | 78.7935% | 679 |
| Net loans and leases to deposits | 113.7884% | 105 |
| Net loans and leases to core deposits | 146.8263% | 105 |
| Total domestic deposits to total assets | 69.2456% | 6,474 |
| Equity capital to assets | 10.4547% | 3,292 |
| Core capital (leverage) ratio | 10.5566% | 2,861 |
| Tier 1 risk-based capital ratio | 19.3272% | 1,874 |
| Total risk-based capital ratio | 19.9347% | 2,022 |
| Memoranda: | ||
| Average total assets | $509,346,000 | 1,328 |
| Average earning assets | $492,173,000 | 1,262 |
| Average equity | $53,320,500 | 1,365 |
| Average total loans | $404,198,500 | 1,086 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 5,336 |
| Cost of funding earning assets | 0.9227% | 659 |
| Net interest margin | 2.7058% | 6,131 |
| Noninterest income to average assets | 0.0662% | 6,498 |
| Noninterest expense to average assets | 1.2521% | 6,701 |
| Loan and lease loss provision to assets | 0.0491% | 4,150 |
| Net operating income to assets | 0.8172% | 3,204 |
| Return on assets (ROA) | 0.8406% | 3,164 |
| Pretax return on assets | 1.3978% | 1,788 |
| Return on Equity (ROE) | 7.9179% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.9179% | 1,082 |
| Net charge-offs to loans | 0.0242% | 4,937 |
| Credit loss provision to net charge-offs | 258.2418% | 875 |
| Earnings coverage of net charge-offs (x) | 74.2418% | 579 |
| Efficiency ratio | 47.0284% | 6,518 |
| Assets per employee ($millions) | 14.3976% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4044% | 6,637 |
| Loan loss allowance to noncurrent loans | 65.0883% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 4,756 |
| Noncurrent loans to loans | 0.6213% | 4,428 |
| Net loans and leases to total assets | 79.2752% | 675 |
| Net loans and leases to deposits | 110.8324% | 161 |
| Net loans and leases to core deposits | 137.6145% | 140 |
| Total domestic deposits to total assets | 71.5271% | 6,452 |
| Equity capital to assets | 10.4825% | 3,184 |
| Core capital (leverage) ratio | 10.5427% | 2,861 |
| Tier 1 risk-based capital ratio | 19.2586% | 1,844 |
| Total risk-based capital ratio | 19.8526% | 2,016 |
| Memoranda: | ||
| Average total assets | $479,054,200 | 1,389 |
| Average earning assets | $459,644,800 | 1,318 |
| Average equity | $50,859,200 | 1,395 |
| Average total loans | $375,580,600 | 1,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 5,335 |
| Cost of funding earning assets | 0.9228% | 730 |
| Net interest margin | 2.7158% | 6,152 |
| Noninterest income to average assets | 0.0578% | 6,612 |
| Noninterest expense to average assets | 1.2650% | 6,761 |
| Loan and lease loss provision to assets | 0.0381% | 4,249 |
| Net operating income to assets | 0.8144% | 3,276 |
| Return on assets (ROA) | 0.8459% | 3,234 |
| Pretax return on assets | 1.4048% | 1,916 |
| Return on Equity (ROE) | 7.9413% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.9413% | 1,433 |
| Net charge-offs to loans | 0.0329% | 4,477 |
| Credit loss provision to net charge-offs | 148.3516% | 1,590 |
| Earnings coverage of net charge-offs (x) | 54.3078% | 813 |
| Efficiency ratio | 47.5817% | 6,518 |
| Assets per employee ($millions) | 14.1309% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3897% | 6,729 |
| Loan loss allowance to noncurrent loans | 62.0971% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 4,835 |
| Noncurrent loans to loans | 0.6275% | 4,628 |
| Net loans and leases to total assets | 78.6622% | 685 |
| Net loans and leases to deposits | 110.0532% | 154 |
| Net loans and leases to core deposits | 136.3910% | 134 |
| Total domestic deposits to total assets | 71.4766% | 6,525 |
| Equity capital to assets | 10.4506% | 3,342 |
| Core capital (leverage) ratio | 10.7609% | 2,712 |
| Tier 1 risk-based capital ratio | 19.3955% | 1,886 |
| Total risk-based capital ratio | 19.9680% | 2,044 |
| Memoranda: | ||
| Average total assets | $472,838,500 | 1,413 |
| Average earning assets | $452,795,000 | 1,353 |
| Average equity | $50,368,250 | 1,418 |
| Average total loans | $369,200,000 | 1,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 5,214 |
| Cost of funding earning assets | 0.9390% | 749 |
| Net interest margin | 2.7398% | 6,114 |
| Noninterest income to average assets | 0.0799% | 6,588 |
| Noninterest expense to average assets | 1.2926% | 6,793 |
| Loan and lease loss provision to assets | 0.0215% | 4,469 |
| Net operating income to assets | 0.8295% | 3,152 |
| Return on assets (ROA) | 0.8776% | 3,066 |
| Pretax return on assets | 1.4644% | 1,727 |
| Return on Equity (ROE) | 8.1837% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.1837% | 1,407 |
| Net charge-offs to loans | 0.0359% | 4,182 |
| Credit loss provision to net charge-offs | 76.9231% | 2,684 |
| Earnings coverage of net charge-offs (x) | 50.5231% | 799 |
| Efficiency ratio | 47.8150% | 6,547 |
| Assets per employee ($millions) | 14.2436% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 6,777 |
| Loan loss allowance to noncurrent loans | 62.1231% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 5,013 |
| Noncurrent loans to loans | 0.6323% | 4,675 |
| Net loans and leases to total assets | 78.9252% | 642 |
| Net loans and leases to deposits | 109.2815% | 155 |
| Net loans and leases to core deposits | 135.3872% | 158 |
| Total domestic deposits to total assets | 72.2219% | 6,550 |
| Equity capital to assets | 10.8061% | 2,936 |
| Core capital (leverage) ratio | 10.8077% | 2,549 |
| Tier 1 risk-based capital ratio | 20.1627% | 1,688 |
| Total risk-based capital ratio | 20.7455% | 1,833 |
| Memoranda: | ||
| Average total assets | $465,590,330 | 1,429 |
| Average earning assets | $445,799,670 | 1,373 |
| Average equity | $49,928,670 | 1,435 |
| Average total loans | $362,076,000 | 1,175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 5,016 |
| Cost of funding earning assets | 0.9562% | 763 |
| Net interest margin | 2.7853% | 6,056 |
| Noninterest income to average assets | 0.0363% | 6,777 |
| Noninterest expense to average assets | 1.3018% | 6,876 |
| Loan and lease loss provision to assets | 0.0216% | 4,195 |
| Net operating income to assets | 0.8166% | 3,070 |
| Return on assets (ROA) | 0.9133% | 2,736 |
| Pretax return on assets | 1.5245% | 1,504 |
| Return on Equity (ROE) | 8.5501% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.5501% | 1,542 |
| Net charge-offs to loans | 0.0280% | 3,640 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 64.6400% | 552 |
| Efficiency ratio | 48.2714% | 6,601 |
| Assets per employee ($millions) | 14.5954% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 6,848 |
| Loan loss allowance to noncurrent loans | 49.9324% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 4,793 |
| Noncurrent loans to loans | 0.8101% | 4,506 |
| Net loans and leases to total assets | 77.9207% | 619 |
| Net loans and leases to deposits | 104.8799% | 214 |
| Net loans and leases to core deposits | 132.5488% | 160 |
| Total domestic deposits to total assets | 74.2952% | 6,514 |
| Equity capital to assets | 10.6975% | 3,322 |
| Core capital (leverage) ratio | 10.8398% | 2,416 |
| Tier 1 risk-based capital ratio | 20.1732% | 1,726 |
| Total risk-based capital ratio | 20.7739% | 1,872 |
| Memoranda: | ||
| Average total assets | $463,365,500 | 1,447 |
| Average earning assets | $442,602,000 | 1,393 |
| Average equity | $49,496,500 | 1,466 |
| Average total loans | $356,892,500 | 1,195 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 5,322 |
| Cost of funding earning assets | 1.1261% | 823 |
| Net interest margin | 2.8697% | 6,284 |
| Noninterest income to average assets | 0.0168% | 6,783 |
| Noninterest expense to average assets | 1.2581% | 6,972 |
| Loan and lease loss provision to assets | 0.0558% | 5,096 |
| Net operating income to assets | 0.8679% | 2,968 |
| Return on assets (ROA) | 0.8679% | 3,211 |
| Pretax return on assets | 1.4450% | 1,876 |
| Return on Equity (ROE) | 8.0955% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.0955% | 1,087 |
| Net charge-offs to loans | 0.0224% | 5,590 |
| Credit loss provision to net charge-offs | 326.6667% | 745 |
| Earnings coverage of net charge-offs (x) | 87.8933% | 444 |
| Efficiency ratio | 45.6016% | 6,794 |
| Assets per employee ($millions) | 13.9297% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4243% | 6,880 |
| Loan loss allowance to noncurrent loans | 48.2849% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 4,816 |
| Noncurrent loans to loans | 0.8786% | 4,421 |
| Net loans and leases to total assets | 75.4655% | 994 |
| Net loans and leases to deposits | 98.4991% | 481 |
| Net loans and leases to core deposits | 119.3598% | 294 |
| Total domestic deposits to total assets | 76.6154% | 6,273 |
| Equity capital to assets | 10.6661% | 3,321 |
| Core capital (leverage) ratio | 10.7626% | 2,477 |
| Tier 1 risk-based capital ratio | 20.3051% | 1,606 |
| Total risk-based capital ratio | 20.9229% | 1,734 |
| Memoranda: | ||
| Average total assets | $439,237,200 | 1,502 |
| Average earning assets | $419,696,000 | 1,433 |
| Average equity | $47,088,000 | 1,485 |
| Average total loans | $334,382,800 | 1,260 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 5,437 |
| Cost of funding earning assets | 1.1497% | 868 |
| Net interest margin | 2.8787% | 6,398 |
| Noninterest income to average assets | 0.0175% | 6,894 |
| Noninterest expense to average assets | 1.2792% | 7,054 |
| Loan and lease loss provision to assets | 0.0415% | 5,257 |
| Net operating income to assets | 0.8725% | 3,119 |
| Return on assets (ROA) | 0.8725% | 3,363 |
| Pretax return on assets | 1.4515% | 2,071 |
| Return on Equity (ROE) | 8.1281% | 3,224 |
| Retained earnings to average equity (ytd only) | 8.1281% | 1,564 |
| Net charge-offs to loans | 0.0121% | 5,538 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 162.0293% | 274 |
| Efficiency ratio | 46.1445% | 6,809 |
| Assets per employee ($millions) | 13.5811% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4122% | 7,004 |
| Loan loss allowance to noncurrent loans | 48.6235% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,055 |
| Noncurrent loans to loans | 0.8477% | 4,718 |
| Net loans and leases to total assets | 76.1767% | 952 |
| Net loans and leases to deposits | 101.9141% | 356 |
| Net loans and leases to core deposits | 123.4100% | 259 |
| Total domestic deposits to total assets | 74.7460% | 6,541 |
| Equity capital to assets | 10.7393% | 3,567 |
| Core capital (leverage) ratio | 10.8081% | 2,587 |
| Tier 1 risk-based capital ratio | 20.3101% | 1,683 |
| Total risk-based capital ratio | 20.9130% | 1,814 |
| Memoranda: | ||
| Average total assets | $434,126,750 | 1,535 |
| Average earning assets | $415,406,000 | 1,465 |
| Average equity | $46,602,500 | 1,515 |
| Average total loans | $330,884,250 | 1,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 5,490 |
| Cost of funding earning assets | 1.1702% | 942 |
| Net interest margin | 2.8774% | 6,455 |
| Noninterest income to average assets | 0.0182% | 6,951 |
| Noninterest expense to average assets | 1.2845% | 7,112 |
| Loan and lease loss provision to assets | 0.0419% | 5,149 |
| Net operating income to assets | 0.8695% | 3,046 |
| Return on assets (ROA) | 0.8695% | 3,309 |
| Pretax return on assets | 1.4493% | 2,014 |
| Return on Equity (ROE) | 8.1010% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.1010% | 1,601 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2752% | 6,876 |
| Assets per employee ($millions) | 13.7448% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4129% | 7,079 |
| Loan loss allowance to noncurrent loans | 50.3421% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 5,195 |
| Noncurrent loans to loans | 0.8203% | 4,877 |
| Net loans and leases to total assets | 76.6557% | 886 |
| Net loans and leases to deposits | 103.3926% | 292 |
| Net loans and leases to core deposits | 121.6936% | 285 |
| Total domestic deposits to total assets | 74.1404% | 6,669 |
| Equity capital to assets | 10.7052% | 3,448 |
| Core capital (leverage) ratio | 10.9451% | 2,356 |
| Tier 1 risk-based capital ratio | 20.3700% | 1,617 |
| Total risk-based capital ratio | 20.9808% | 1,742 |
| Memoranda: | ||
| Average total assets | $429,444,000 | 1,551 |
| Average earning assets | $411,559,000 | 1,479 |
| Average equity | $46,093,000 | 1,514 |
| Average total loans | $326,906,330 | 1,298 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 5,336 |
| Cost of funding earning assets | 1.1984% | 993 |
| Net interest margin | 2.9380% | 6,416 |
| Noninterest income to average assets | 0.0170% | 7,056 |
| Noninterest expense to average assets | 1.3124% | 7,168 |
| Loan and lease loss provision to assets | 0.0424% | 4,861 |
| Net operating income to assets | 0.8891% | 2,977 |
| Return on assets (ROA) | 0.8891% | 3,198 |
| Pretax return on assets | 1.4821% | 1,919 |
| Return on Equity (ROE) | 8.2725% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.2725% | 1,873 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2612% | 6,887 |
| Assets per employee ($millions) | 13.3976% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4199% | 7,123 |
| Loan loss allowance to noncurrent loans | 48.6516% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 5,263 |
| Noncurrent loans to loans | 0.8630% | 4,945 |
| Net loans and leases to total assets | 74.8484% | 941 |
| Net loans and leases to deposits | 97.9291% | 447 |
| Net loans and leases to core deposits | 114.4110% | 416 |
| Total domestic deposits to total assets | 76.4312% | 6,494 |
| Equity capital to assets | 10.7514% | 3,207 |
| Core capital (leverage) ratio | 10.9125% | 2,333 |
| Tier 1 risk-based capital ratio | 20.5869% | 1,565 |
| Total risk-based capital ratio | 21.1963% | 1,697 |
| Memoranda: | ||
| Average total assets | $424,249,500 | 1,568 |
| Average earning assets | $407,216,000 | 1,490 |
| Average equity | $45,597,000 | 1,520 |
| Average total loans | $321,082,000 | 1,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 5,552 |
| Cost of funding earning assets | 1.4031% | 1,025 |
| Net interest margin | 2.9620% | 6,583 |
| Noninterest income to average assets | 0.0157% | 6,943 |
| Noninterest expense to average assets | 1.3027% | 7,240 |
| Loan and lease loss provision to assets | 0.0124% | 6,382 |
| Net operating income to assets | 0.9198% | 2,524 |
| Return on assets (ROA) | 0.9198% | 2,640 |
| Pretax return on assets | 1.5572% | 1,319 |
| Return on Equity (ROE) | 8.5916% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.5916% | 904 |
| Net charge-offs to loans | -0.0026% | 6,807 |
| Credit loss provision to net charge-offs | -625.0000% | 6,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3547% | 7,078 |
| Assets per employee ($millions) | 13.5411% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4089% | 7,162 |
| Loan loss allowance to noncurrent loans | 38.6982% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 5,019 |
| Noncurrent loans to loans | 1.0565% | 4,598 |
| Net loans and leases to total assets | 75.9002% | 963 |
| Net loans and leases to deposits | 100.1953% | 448 |
| Net loans and leases to core deposits | 113.5925% | 515 |
| Total domestic deposits to total assets | 75.7522% | 6,516 |
| Equity capital to assets | 10.7439% | 3,257 |
| Core capital (leverage) ratio | 10.6997% | 2,524 |
| Tier 1 risk-based capital ratio | 20.0700% | 1,626 |
| Total risk-based capital ratio | 20.6565% | 1,760 |
| Memoranda: | ||
| Average total assets | $402,462,400 | 1,615 |
| Average earning assets | $388,146,800 | 1,532 |
| Average equity | $43,088,600 | 1,565 |
| Average total loans | $308,715,800 | 1,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 5,647 |
| Cost of funding earning assets | 1.4444% | 1,042 |
| Net interest margin | 2.9439% | 6,684 |
| Noninterest income to average assets | 0.0218% | 7,038 |
| Noninterest expense to average assets | 1.3268% | 7,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9042% | 2,725 |
| Return on assets (ROA) | 0.9042% | 2,864 |
| Pretax return on assets | 1.5358% | 1,559 |
| Return on Equity (ROE) | 8.4533% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.4533% | 1,334 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3500% | 7,040 |
| Assets per employee ($millions) | 13.4705% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3923% | 7,235 |
| Loan loss allowance to noncurrent loans | 36.5604% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 5,021 |
| Noncurrent loans to loans | 1.0730% | 4,767 |
| Net loans and leases to total assets | 76.0061% | 977 |
| Net loans and leases to deposits | 99.4130% | 495 |
| Net loans and leases to core deposits | 107.8472% | 775 |
| Total domestic deposits to total assets | 76.4549% | 6,465 |
| Equity capital to assets | 10.5538% | 3,640 |
| Core capital (leverage) ratio | 10.6067% | 2,753 |
| Tier 1 risk-based capital ratio | 19.8118% | 1,729 |
| Total risk-based capital ratio | 20.3778% | 1,866 |
| Memoranda: | ||
| Average total assets | $398,134,250 | 1,638 |
| Average earning assets | $384,194,500 | 1,550 |
| Average equity | $42,585,750 | 1,586 |
| Average total loans | $305,915,250 | 1,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 5,725 |
| Cost of funding earning assets | 1.4846% | 1,056 |
| Net interest margin | 2.9068% | 6,780 |
| Noninterest income to average assets | 0.0230% | 7,140 |
| Noninterest expense to average assets | 1.3476% | 7,381 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8885% | 2,691 |
| Return on assets (ROA) | 0.8885% | 2,796 |
| Pretax return on assets | 1.4799% | 1,585 |
| Return on Equity (ROE) | 8.2679% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.2679% | 1,357 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6612% | 7,076 |
| Assets per employee ($millions) | 13.5921% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3916% | 7,300 |
| Loan loss allowance to noncurrent loans | 37.0703% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 5,141 |
| Noncurrent loans to loans | 1.0563% | 4,891 |
| Net loans and leases to total assets | 77.3567% | 864 |
| Net loans and leases to deposits | 102.1837% | 381 |
| Net loans and leases to core deposits | 110.6263% | 705 |
| Total domestic deposits to total assets | 75.7035% | 6,644 |
| Equity capital to assets | 10.5556% | 3,436 |
| Core capital (leverage) ratio | 10.6067% | 2,614 |
| Tier 1 risk-based capital ratio | 19.6646% | 1,675 |
| Total risk-based capital ratio | 20.2389% | 1,816 |
| Memoranda: | ||
| Average total assets | $391,650,330 | 1,678 |
| Average earning assets | $377,874,670 | 1,588 |
| Average equity | $42,090,670 | 1,591 |
| Average total loans | $301,673,330 | 1,435 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 5,661 |
| Cost of funding earning assets | 1.5326% | 1,044 |
| Net interest margin | 2.8759% | 6,796 |
| Noninterest income to average assets | 0.0250% | 7,227 |
| Noninterest expense to average assets | 1.3535% | 7,433 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8665% | 2,719 |
| Return on assets (ROA) | 0.8665% | 2,775 |
| Pretax return on assets | 1.4421% | 1,619 |
| Return on Equity (ROE) | 7.9875% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.9875% | 1,739 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4148% | 7,102 |
| Assets per employee ($millions) | 14.1970% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4118% | 7,344 |
| Loan loss allowance to noncurrent loans | 89.0805% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 6,213 |
| Noncurrent loans to loans | 0.4622% | 6,090 |
| Net loans and leases to total assets | 75.4458% | 1,117 |
| Net loans and leases to deposits | 97.3339% | 605 |
| Net loans and leases to core deposits | 105.4173% | 971 |
| Total domestic deposits to total assets | 77.5124% | 6,445 |
| Equity capital to assets | 10.5802% | 3,096 |
| Core capital (leverage) ratio | 10.9701% | 2,217 |
| Tier 1 risk-based capital ratio | 20.2122% | 1,539 |
| Total risk-based capital ratio | 20.8153% | 1,648 |
| Memoranda: | ||
| Average total assets | $383,594,000 | 1,715 |
| Average earning assets | $369,560,000 | 1,633 |
| Average equity | $41,615,000 | 1,605 |
| Average total loans | $294,174,000 | 1,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 5,536 |
| Cost of funding earning assets | 1.8153% | 1,111 |
| Net interest margin | 2.9541% | 6,813 |
| Noninterest income to average assets | 0.0333% | 7,185 |
| Noninterest expense to average assets | 1.3871% | 7,489 |
| Loan and lease loss provision to assets | 0.0397% | 6,759 |
| Net operating income to assets | 0.8801% | 2,468 |
| Return on assets (ROA) | 0.8801% | 2,603 |
| Pretax return on assets | 1.4628% | 1,473 |
| Return on Equity (ROE) | 8.4074% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.4074% | 865 |
| Net charge-offs to loans | 0.0167% | 6,651 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 113.5600% | 225 |
| Efficiency ratio | 48.0037% | 7,265 |
| Assets per employee ($millions) | 12.3224% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4318% | 7,404 |
| Loan loss allowance to noncurrent loans | 73.9416% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 6,149 |
| Noncurrent loans to loans | 0.5839% | 5,881 |
| Net loans and leases to total assets | 77.3548% | 1,039 |
| Net loans and leases to deposits | 95.3213% | 922 |
| Net loans and leases to core deposits | 102.2626% | 1,433 |
| Total domestic deposits to total assets | 81.1517% | 5,473 |
| Equity capital to assets | 11.1374% | 2,561 |
| Core capital (leverage) ratio | 10.9779% | 2,175 |
| Tier 1 risk-based capital ratio | 20.3713% | 1,423 |
| Total risk-based capital ratio | 20.9915% | 1,514 |
| Memoranda: | ||
| Average total assets | $377,918,000 | 1,744 |
| Average earning assets | $365,393,200 | 1,649 |
| Average equity | $39,560,600 | 1,671 |
| Average total loans | $299,485,600 | 1,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 5,543 |
| Cost of funding earning assets | 1.8560% | 1,184 |
| Net interest margin | 2.9757% | 6,878 |
| Noninterest income to average assets | 0.0365% | 7,340 |
| Noninterest expense to average assets | 1.3885% | 7,597 |
| Loan and lease loss provision to assets | 0.0263% | 6,803 |
| Net operating income to assets | 0.9014% | 2,601 |
| Return on assets (ROA) | 0.9014% | 2,753 |
| Pretax return on assets | 1.5014% | 1,615 |
| Return on Equity (ROE) | 8.7473% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.7473% | 1,136 |
| Net charge-offs to loans | 0.0220% | 6,363 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 87.0735% | 352 |
| Efficiency ratio | 47.6116% | 7,291 |
| Assets per employee ($millions) | 13.5613% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3971% | 7,538 |
| Loan loss allowance to noncurrent loans | 59.9897% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 6,147 |
| Noncurrent loans to loans | 0.6619% | 5,878 |
| Net loans and leases to total assets | 76.9592% | 1,228 |
| Net loans and leases to deposits | 95.6006% | 1,035 |
| Net loans and leases to core deposits | 102.2312% | 1,633 |
| Total domestic deposits to total assets | 80.5007% | 5,543 |
| Equity capital to assets | 10.6753% | 3,318 |
| Core capital (leverage) ratio | 10.5454% | 2,642 |
| Tier 1 risk-based capital ratio | 19.5140% | 1,639 |
| Total risk-based capital ratio | 20.0829% | 1,753 |
| Memoranda: | ||
| Average total assets | $379,979,500 | 1,752 |
| Average earning assets | $367,730,750 | 1,664 |
| Average equity | $39,157,750 | 1,702 |
| Average total loans | $302,557,250 | 1,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 5,446 |
| Cost of funding earning assets | 1.8900% | 1,275 |
| Net interest margin | 2.9978% | 6,827 |
| Noninterest income to average assets | 0.0442% | 7,357 |
| Noninterest expense to average assets | 1.3971% | 7,671 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9309% | 2,435 |
| Return on assets (ROA) | 0.9309% | 2,528 |
| Pretax return on assets | 1.5508% | 1,433 |
| Return on Equity (ROE) | 9.1425% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.1425% | 1,066 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3938% | 7,375 |
| Assets per employee ($millions) | 13.7136% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 7,613 |
| Loan loss allowance to noncurrent loans | 89.5522% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 6,592 |
| Noncurrent loans to loans | 0.4218% | 6,399 |
| Net loans and leases to total assets | 78.3060% | 1,061 |
| Net loans and leases to deposits | 96.3276% | 1,017 |
| Net loans and leases to core deposits | 104.3992% | 1,602 |
| Total domestic deposits to total assets | 81.2913% | 5,296 |
| Equity capital to assets | 10.3396% | 3,595 |
| Core capital (leverage) ratio | 10.3241% | 2,801 |
| Tier 1 risk-based capital ratio | 18.9560% | 1,731 |
| Total risk-based capital ratio | 19.5079% | 1,858 |
| Memoranda: | ||
| Average total assets | $380,067,000 | 1,770 |
| Average earning assets | $368,140,000 | 1,671 |
| Average equity | $38,698,330 | 1,718 |
| Average total loans | $305,612,330 | 1,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 5,251 |
| Cost of funding earning assets | 1.9181% | 1,380 |
| Net interest margin | 3.0278% | 6,770 |
| Noninterest income to average assets | 0.0688% | 7,372 |
| Noninterest expense to average assets | 1.3975% | 7,765 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9648% | 2,313 |
| Return on assets (ROA) | 0.9648% | 2,379 |
| Pretax return on assets | 1.6069% | 1,250 |
| Return on Equity (ROE) | 9.5506% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.5506% | 1,257 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5141% | 7,526 |
| Assets per employee ($millions) | 13.1768% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3760% | 7,704 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 6,862 |
| Noncurrent loans to loans | 0.3008% | 6,722 |
| Net loans and leases to total assets | 79.0520% | 974 |
| Net loans and leases to deposits | 98.6990% | 847 |
| Net loans and leases to core deposits | 107.4980% | 1,462 |
| Total domestic deposits to total assets | 80.0941% | 5,750 |
| Equity capital to assets | 10.1283% | 3,705 |
| Core capital (leverage) ratio | 10.3673% | 2,748 |
| Tier 1 risk-based capital ratio | 18.7239% | 1,790 |
| Total risk-based capital ratio | 19.2811% | 1,911 |
| Memoranda: | ||
| Average total assets | $378,110,000 | 1,815 |
| Average earning assets | $366,605,500 | 1,718 |
| Average equity | $38,196,500 | 1,758 |
| Average total loans | $307,508,500 | 1,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 5,751 |
| Cost of funding earning assets | 2.4665% | 1,101 |
| Net interest margin | 2.7122% | 7,197 |
| Noninterest income to average assets | 0.0248% | 7,610 |
| Noninterest expense to average assets | 1.3750% | 7,849 |
| Loan and lease loss provision to assets | 0.0304% | 7,223 |
| Net operating income to assets | 0.7468% | 2,737 |
| Return on assets (ROA) | 0.7468% | 2,829 |
| Pretax return on assets | 1.2460% | 1,836 |
| Return on Equity (ROE) | 7.3601% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.3601% | 854 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8585% | 7,397 |
| Assets per employee ($millions) | 12.8998% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3656% | 7,786 |
| Loan loss allowance to noncurrent loans | 89.4819% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,594 |
| Noncurrent loans to loans | 0.4086% | 6,461 |
| Net loans and leases to total assets | 83.0430% | 538 |
| Net loans and leases to deposits | 103.8907% | 653 |
| Net loans and leases to core deposits | 138.1746% | 874 |
| Total domestic deposits to total assets | 79.9331% | 5,686 |
| Equity capital to assets | 10.0750% | 3,656 |
| Core capital (leverage) ratio | 10.1905% | 2,896 |
| Tier 1 risk-based capital ratio | 18.1523% | 1,851 |
| Total risk-based capital ratio | 18.7055% | 1,994 |
| Memoranda: | ||
| Average total assets | $355,125,000 | 1,912 |
| Average earning assets | $343,924,800 | 1,815 |
| Average equity | $36,032,000 | 1,871 |
| Average total loans | $300,547,400 | 1,594 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 5,694 |
| Cost of funding earning assets | 2.5755% | 1,087 |
| Net interest margin | 2.6730% | 7,259 |
| Noninterest income to average assets | 0.0255% | 7,746 |
| Noninterest expense to average assets | 1.4597% | 7,904 |
| Loan and lease loss provision to assets | 0.0133% | 7,196 |
| Net operating income to assets | 0.6830% | 3,269 |
| Return on assets (ROA) | 0.6830% | 3,320 |
| Pretax return on assets | 1.1412% | 2,445 |
| Return on Equity (ROE) | 6.7194% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.7194% | 1,621 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8370% | 7,021 |
| Assets per employee ($millions) | 12.8830% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3394% | 7,879 |
| Loan loss allowance to noncurrent loans | 83.6207% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 6,627 |
| Noncurrent loans to loans | 0.4059% | 6,524 |
| Net loans and leases to total assets | 83.8616% | 560 |
| Net loans and leases to deposits | 104.9938% | 710 |
| Net loans and leases to core deposits | 139.3972% | 942 |
| Total domestic deposits to total assets | 79.8729% | 5,482 |
| Equity capital to assets | 9.8069% | 4,342 |
| Core capital (leverage) ratio | 10.2040% | 3,061 |
| Tier 1 risk-based capital ratio | 17.5964% | 2,096 |
| Total risk-based capital ratio | 18.1104% | 2,268 |
| Memoranda: | ||
| Average total assets | $350,383,000 | 1,948 |
| Average earning assets | $339,337,000 | 1,855 |
| Average equity | $35,617,500 | 1,912 |
| Average total loans | $297,734,750 | 1,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 5,739 |
| Cost of funding earning assets | 2.6652% | 1,124 |
| Net interest margin | 2.6175% | 7,335 |
| Noninterest income to average assets | 0.0239% | 7,855 |
| Noninterest expense to average assets | 1.4791% | 7,980 |
| Loan and lease loss provision to assets | 0.0058% | 7,130 |
| Net operating income to assets | 0.6432% | 3,491 |
| Return on assets (ROA) | 0.6432% | 3,595 |
| Pretax return on assets | 1.0711% | 2,734 |
| Return on Equity (ROE) | 6.2477% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.2477% | 1,908 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8671% | 6,883 |
| Assets per employee ($millions) | 12.6817% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3493% | 7,947 |
| Loan loss allowance to noncurrent loans | 86.0446% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 6,604 |
| Noncurrent loans to loans | 0.4060% | 6,490 |
| Net loans and leases to total assets | 83.7079% | 681 |
| Net loans and leases to deposits | 103.5669% | 939 |
| Net loans and leases to core deposits | 136.6024% | 1,183 |
| Total domestic deposits to total assets | 80.8250% | 5,138 |
| Equity capital to assets | 10.1063% | 3,809 |
| Core capital (leverage) ratio | 10.3539% | 2,946 |
| Tier 1 risk-based capital ratio | 18.1816% | 1,964 |
| Total risk-based capital ratio | 18.7102% | 2,120 |
| Memoranda: | ||
| Average total assets | $342,642,000 | 2,022 |
| Average earning assets | $331,462,670 | 1,908 |
| Average equity | $35,277,000 | 1,926 |
| Average total loans | $292,186,670 | 1,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 6,155 |
| Cost of funding earning assets | 2.6512% | 1,406 |
| Net interest margin | 2.5896% | 7,387 |
| Noninterest income to average assets | 0.0190% | 7,981 |
| Noninterest expense to average assets | 1.3614% | 8,052 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6956% | 3,581 |
| Return on assets (ROA) | 0.6956% | 3,767 |
| Pretax return on assets | 1.1581% | 2,775 |
| Return on Equity (ROE) | 6.6910% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.6910% | 2,332 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0349% | 7,214 |
| Assets per employee ($millions) | 12.3687% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3521% | 7,997 |
| Loan loss allowance to noncurrent loans | 62.0977% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 6,026 |
| Noncurrent loans to loans | 0.5671% | 5,999 |
| Net loans and leases to total assets | 85.1440% | 531 |
| Net loans and leases to deposits | 108.0239% | 723 |
| Net loans and leases to core deposits | 144.7973% | 904 |
| Total domestic deposits to total assets | 78.8195% | 5,786 |
| Equity capital to assets | 10.2141% | 3,753 |
| Core capital (leverage) ratio | 10.9568% | 2,533 |
| Tier 1 risk-based capital ratio | 18.2094% | 1,998 |
| Total risk-based capital ratio | 18.7414% | 2,132 |
| Memoranda: | ||
| Average total assets | $336,419,500 | 2,069 |
| Average earning assets | $324,836,500 | 1,949 |
| Average equity | $34,972,500 | 1,947 |
| Average total loans | $289,141,000 | 1,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 7,357 |
| Cost of funding earning assets | 3.2342% | 1,087 |
| Net interest margin | 2.2387% | 7,946 |
| Noninterest income to average assets | 0.0232% | 8,024 |
| Noninterest expense to average assets | 1.4167% | 8,065 |
| Loan and lease loss provision to assets | 0.0190% | 7,148 |
| Net operating income to assets | 0.4514% | 4,949 |
| Return on assets (ROA) | 0.4514% | 4,772 |
| Pretax return on assets | 0.7506% | 4,242 |
| Return on Equity (ROE) | 3.8484% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.8484% | 2,733 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7999% | 5,373 |
| Assets per employee ($millions) | 12.0931% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3690% | 8,027 |
| Loan loss allowance to noncurrent loans | 130.4130% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,600 |
| Noncurrent loans to loans | 0.2830% | 6,523 |
| Net loans and leases to total assets | 86.1596% | 585 |
| Net loans and leases to deposits | 122.2398% | 344 |
| Net loans and leases to core deposits | 156.4345% | 658 |
| Total domestic deposits to total assets | 70.4841% | 7,222 |
| Equity capital to assets | 10.5879% | 3,404 |
| Core capital (leverage) ratio | 11.1469% | 2,468 |
| Tier 1 risk-based capital ratio | 18.6904% | 1,868 |
| Total risk-based capital ratio | 19.2455% | 1,986 |
| Memoranda: | ||
| Average total assets | $289,121,200 | 2,258 |
| Average earning assets | $279,358,000 | 2,178 |
| Average equity | $33,910,400 | 1,998 |
| Average total loans | $257,932,600 | 1,854 |