Home > Colonial Federal Savings Bank > Performance and Condition Ratios
Colonial Federal Savings Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 140,580.0000% | 11 |
| Cost of funding earning assets | -20.0000% | 4,592 |
| Net interest margin | 1,389.0000% | 1 |
| Noninterest income to average assets | 0.0380% | 4,442 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | -0.0011% | 4,278 |
| Pretax return on assets | -0.0357% | 4,280 |
| Return on Equity (ROE) | -0.0100% | 4,254 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0011% | 2,181 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 3.5686% | 4,549 |
| Assets per employee ($millions) | 0.0118% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0027% | 3,803 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 20,284.0000% | 2 |
| Equity capital to assets | 437,268.0000% | 2 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $49,775,000 | 4,301 |
| Average earning assets | $3,171 | 4,564 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 4,455 |
| Cost of funding earning assets | 1.0324% | 3,222 |
| Net interest margin | 2.2484% | 4,287 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1623% | 3,215 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.1911% | 4,178 |
| Return on assets (ROA) | 0.1911% | 4,192 |
| Pretax return on assets | 0.2397% | 4,151 |
| Return on Equity (ROE) | 1.0700% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.0656% | 3,823 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.9906% | 331 |
| Assets per employee ($millions) | 12.3751% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 3,613 |
| Loan loss allowance to noncurrent loans | 1,745.7447% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,515 |
| Noncurrent loans to loans | 0.0532% | 3,338 |
| Net loans and leases to total assets | 48.7600% | 3,678 |
| Net loans and leases to deposits | 65.0154% | 3,239 |
| Net loans and leases to core deposits | 71.1609% | 3,239 |
| Total domestic deposits to total assets | 74.9900% | 4,030 |
| Equity capital to assets | 17.6743% | 362 |
| Core capital (leverage) ratio | 18.3152% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3211% | 203 |
| Memoranda: | ||
| Average total assets | $352,165,200 | 2,188 |
| Average earning assets | $332,730,000 | 2,167 |
| Average equity | $63,159,600 | 1,341 |
| Average total loans | $177,801,600 | 2,465 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 4,465 |
| Cost of funding earning assets | 0.9137% | 3,241 |
| Net interest margin | 2.3538% | 4,273 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1227% | 3,293 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.3108% | 4,106 |
| Return on assets (ROA) | 0.3108% | 4,110 |
| Pretax return on assets | 0.3629% | 4,102 |
| Return on Equity (ROE) | 1.7300% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.7265% | 3,790 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.6256% | 453 |
| Assets per employee ($millions) | 11.1613% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 3,605 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.3100% | 3,597 |
| Net loans and leases to deposits | 64.0518% | 3,263 |
| Net loans and leases to core deposits | 69.8286% | 3,214 |
| Total domestic deposits to total assets | 78.5500% | 3,759 |
| Equity capital to assets | 18.3473% | 333 |
| Core capital (leverage) ratio | 18.3472% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2795% | 215 |
| Memoranda: | ||
| Average total assets | $350,487,000 | 2,197 |
| Average earning assets | $331,250,500 | 2,179 |
| Average equity | $63,092,250 | 1,339 |
| Average total loans | $178,098,250 | 2,466 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 4,486 |
| Cost of funding earning assets | 0.8076% | 3,185 |
| Net interest margin | 2.4294% | 4,280 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0904% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3387% | 4,103 |
| Return on assets (ROA) | 0.3387% | 4,126 |
| Pretax return on assets | 0.4023% | 4,115 |
| Return on Equity (ROE) | 1.8900% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.8932% | 3,745 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.8614% | 603 |
| Assets per employee ($millions) | 11.2446% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,495 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.4600% | 3,529 |
| Net loans and leases to deposits | 64.0786% | 3,186 |
| Net loans and leases to core deposits | 70.2425% | 3,112 |
| Total domestic deposits to total assets | 78.7500% | 3,756 |
| Equity capital to assets | 18.1864% | 336 |
| Core capital (leverage) ratio | 18.1771% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8781% | 209 |
| Memoranda: | ||
| Average total assets | $351,982,333 | 2,196 |
| Average earning assets | $332,840,667 | 2,174 |
| Average equity | $62,962,333 | 1,338 |
| Average total loans | $178,888,000 | 2,452 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2134% | 4,483 |
| Cost of funding earning assets | 0.6408% | 3,259 |
| Net interest margin | 2.5727% | 4,235 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0369% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4920% | 3,919 |
| Return on assets (ROA) | 0.4920% | 3,881 |
| Pretax return on assets | 0.5813% | 3,873 |
| Return on Equity (ROE) | 2.7700% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.7731% | 3,555 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.7970% | 1,021 |
| Assets per employee ($millions) | 11.3263% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,608 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.3900% | 3,457 |
| Net loans and leases to deposits | 62.9357% | 3,171 |
| Net loans and leases to core deposits | 69.7340% | 2,973 |
| Total domestic deposits to total assets | 80.0700% | 3,754 |
| Equity capital to assets | 17.9531% | 303 |
| Core capital (leverage) ratio | 17.8946% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5916% | 222 |
| Memoranda: | ||
| Average total assets | $353,681,500 | 2,219 |
| Average earning assets | $334,594,000 | 2,189 |
| Average equity | $62,746,000 | 1,353 |
| Average total loans | $179,503,000 | 2,457 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9034% | 4,234 |
| Cost of funding earning assets | 0.3104% | 2,789 |
| Net interest margin | 2.5929% | 4,188 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.9696% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5742% | 3,937 |
| Return on assets (ROA) | 0.5761% | 3,897 |
| Pretax return on assets | 0.6891% | 3,869 |
| Return on Equity (ROE) | 3.4500% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.4462% | 3,577 |
| Net charge-offs to loans | 0.0006% | 2,581 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2,486.0000% | 66 |
| Efficiency ratio | 74.1338% | 1,208 |
| Assets per employee ($millions) | 11.4919% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.1200% | 3,496 |
| Net loans and leases to deposits | 62.2389% | 3,177 |
| Net loans and leases to core deposits | 67.8588% | 3,024 |
| Total domestic deposits to total assets | 80.5400% | 3,813 |
| Equity capital to assets | 17.5316% | 316 |
| Core capital (leverage) ratio | 17.4291% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5586% | 211 |
| Memoranda: | ||
| Average total assets | $361,757,000 | 2,172 |
| Average earning assets | $343,393,400 | 2,139 |
| Average equity | $60,472,200 | 1,389 |
| Average total loans | $176,166,000 | 2,404 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8187% | 4,173 |
| Cost of funding earning assets | 0.2806% | 2,379 |
| Net interest margin | 2.5381% | 4,182 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.8663% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6217% | 3,780 |
| Return on assets (ROA) | 0.6242% | 3,724 |
| Pretax return on assets | 0.7453% | 3,707 |
| Return on Equity (ROE) | 3.7800% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.7792% | 3,521 |
| Net charge-offs to loans | 0.0008% | 2,303 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 2,023.0000% | 56 |
| Efficiency ratio | 71.5311% | 1,585 |
| Assets per employee ($millions) | 12.0214% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,548 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.5900% | 3,569 |
| Net loans and leases to deposits | 60.1338% | 3,191 |
| Net loans and leases to core deposits | 64.9647% | 3,030 |
| Total domestic deposits to total assets | 80.8100% | 4,014 |
| Equity capital to assets | 17.7914% | 284 |
| Core capital (leverage) ratio | 17.6881% | 336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2821% | 198 |
| Memoranda: | ||
| Average total assets | $363,134,250 | 2,179 |
| Average earning assets | $344,921,250 | 2,147 |
| Average equity | $59,976,250 | 1,421 |
| Average total loans | $175,128,500 | 2,420 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7102% | 4,126 |
| Cost of funding earning assets | 0.2804% | 1,900 |
| Net interest margin | 2.4298% | 4,189 |
| Noninterest income to average assets | 0.1791% | 4,109 |
| Noninterest expense to average assets | 1.8452% | 3,846 |
| Loan and lease loss provision to assets | 0.0005% | 2,592 |
| Net operating income to assets | 0.5600% | 3,733 |
| Return on assets (ROA) | 0.5638% | 3,670 |
| Pretax return on assets | 0.6473% | 3,722 |
| Return on Equity (ROE) | 3.5029% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.5029% | 3,276 |
| Net charge-offs to loans | 0.0011% | 2,104 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 1,171.0000% | 105 |
| Efficiency ratio | 74.1444% | 1,491 |
| Assets per employee ($millions) | 12.1952% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.1751% | 3,616 |
| Net loans and leases to deposits | 57.7541% | 3,246 |
| Net loans and leases to core deposits | 62.9366% | 3,034 |
| Total domestic deposits to total assets | 81.6827% | 4,054 |
| Equity capital to assets | 17.3538% | 258 |
| Core capital (leverage) ratio | 17.4182% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9429% | 162 |
| Memoranda: | ||
| Average total assets | $363,965,333 | 2,185 |
| Average earning assets | $345,952,000 | 2,157 |
| Average equity | $58,580,667 | 1,462 |
| Average total loans | $174,507,333 | 2,428 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6606% | 4,009 |
| Cost of funding earning assets | 0.2865% | 1,765 |
| Net interest margin | 2.3741% | 4,116 |
| Noninterest income to average assets | 0.1675% | 4,164 |
| Noninterest expense to average assets | 1.8346% | 3,857 |
| Loan and lease loss provision to assets | 0.0011% | 2,274 |
| Net operating income to assets | 0.4903% | 3,738 |
| Return on assets (ROA) | 0.4903% | 3,704 |
| Pretax return on assets | 0.5873% | 3,671 |
| Return on Equity (ROE) | 3.1714% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.1714% | 3,202 |
| Net charge-offs to loans | 0.0023% | 1,731 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 534.0000% | 194 |
| Efficiency ratio | 75.7162% | 1,562 |
| Assets per employee ($millions) | 13.0075% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.4332% | 3,444 |
| Net loans and leases to deposits | 58.3773% | 3,043 |
| Net loans and leases to core deposits | 63.8625% | 2,806 |
| Total domestic deposits to total assets | 81.2529% | 4,175 |
| Equity capital to assets | 17.2735% | 256 |
| Core capital (leverage) ratio | 17.3790% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9558% | 159 |
| Memoranda: | ||
| Average total assets | $363,020,000 | 2,191 |
| Average earning assets | $344,883,500 | 2,167 |
| Average equity | $56,126,000 | 1,569 |
| Average total loans | $174,591,000 | 2,421 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8023% | 4,206 |
| Cost of funding earning assets | 0.3976% | 1,561 |
| Net interest margin | 2.4047% | 4,319 |
| Noninterest income to average assets | 0.1926% | 4,205 |
| Noninterest expense to average assets | 1.9346% | 3,849 |
| Loan and lease loss provision to assets | 0.0160% | 2,756 |
| Net operating income to assets | 0.4271% | 4,229 |
| Return on assets (ROA) | 0.4386% | 4,248 |
| Pretax return on assets | 0.5360% | 4,200 |
| Return on Equity (ROE) | 3.0940% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.0940% | 3,594 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2393% | 929 |
| Assets per employee ($millions) | 12.4769% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.7936% | 3,513 |
| Net loans and leases to deposits | 55.9267% | 3,426 |
| Net loans and leases to core deposits | 61.2095% | 3,228 |
| Total domestic deposits to total assets | 85.4575% | 3,106 |
| Equity capital to assets | 13.6363% | 732 |
| Core capital (leverage) ratio | 14.4233% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2949% | 256 |
| Memoranda: | ||
| Average total assets | $342,701,200 | 2,230 |
| Average earning assets | $324,948,000 | 2,209 |
| Average equity | $48,577,600 | 1,805 |
| Average total loans | $175,659,200 | 2,420 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8475% | 4,240 |
| Cost of funding earning assets | 0.4308% | 1,478 |
| Net interest margin | 2.4167% | 4,383 |
| Noninterest income to average assets | 0.1969% | 4,213 |
| Noninterest expense to average assets | 1.8690% | 4,010 |
| Loan and lease loss provision to assets | 0.0178% | 2,652 |
| Net operating income to assets | 0.4854% | 4,235 |
| Return on assets (ROA) | 0.5007% | 4,246 |
| Pretax return on assets | 0.6199% | 4,206 |
| Return on Equity (ROE) | 3.4967% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.4967% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1308% | 1,112 |
| Assets per employee ($millions) | 11.6096% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.8254% | 3,312 |
| Net loans and leases to deposits | 60.2910% | 3,206 |
| Net loans and leases to core deposits | 66.4275% | 2,914 |
| Total domestic deposits to total assets | 84.3001% | 3,369 |
| Equity capital to assets | 14.5857% | 622 |
| Core capital (leverage) ratio | 14.5538% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1158% | 253 |
| Memoranda: | ||
| Average total assets | $337,919,250 | 2,274 |
| Average earning assets | $320,321,500 | 2,252 |
| Average equity | $48,387,000 | 1,831 |
| Average total loans | $175,904,500 | 2,452 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8549% | 4,280 |
| Cost of funding earning assets | 0.4722% | 1,367 |
| Net interest margin | 2.3827% | 4,437 |
| Noninterest income to average assets | 0.1720% | 4,348 |
| Noninterest expense to average assets | 1.8242% | 4,132 |
| Loan and lease loss provision to assets | 0.0177% | 2,605 |
| Net operating income to assets | 0.5001% | 4,217 |
| Return on assets (ROA) | 0.5001% | 4,263 |
| Pretax return on assets | 0.5911% | 4,246 |
| Return on Equity (ROE) | 3.5142% | 4,408 |
| Retained earnings to average equity (ytd only) | 3.5142% | 3,681 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9757% | 1,164 |
| Assets per employee ($millions) | 10.9281% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.4916% | 3,395 |
| Net loans and leases to deposits | 60.9380% | 3,307 |
| Net loans and leases to core deposits | 66.9828% | 3,037 |
| Total domestic deposits to total assets | 84.4983% | 3,283 |
| Equity capital to assets | 14.3422% | 650 |
| Core capital (leverage) ratio | 14.3796% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6507% | 258 |
| Memoranda: | ||
| Average total assets | $338,333,000 | 2,268 |
| Average earning assets | $321,058,667 | 2,237 |
| Average equity | $48,147,000 | 1,824 |
| Average total loans | $176,921,000 | 2,458 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8928% | 4,267 |
| Cost of funding earning assets | 0.5673% | 1,017 |
| Net interest margin | 2.3255% | 4,496 |
| Noninterest income to average assets | 0.1715% | 4,336 |
| Noninterest expense to average assets | 1.8065% | 4,208 |
| Loan and lease loss provision to assets | 0.0177% | 2,549 |
| Net operating income to assets | 0.4744% | 4,227 |
| Return on assets (ROA) | 0.4744% | 4,262 |
| Pretax return on assets | 0.5537% | 4,265 |
| Return on Equity (ROE) | 3.3468% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.3468% | 3,675 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9701% | 1,145 |
| Assets per employee ($millions) | 11.3395% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 50.6732% | 3,567 |
| Net loans and leases to deposits | 60.2824% | 3,460 |
| Net loans and leases to core deposits | 66.7494% | 3,176 |
| Total domestic deposits to total assets | 84.0596% | 3,414 |
| Equity capital to assets | 14.1455% | 638 |
| Core capital (leverage) ratio | 14.3979% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1055% | 232 |
| Memoranda: | ||
| Average total assets | $338,114,500 | 2,246 |
| Average earning assets | $320,792,000 | 2,219 |
| Average equity | $47,927,000 | 1,825 |
| Average total loans | $177,301,500 | 2,455 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 4,412 |
| Cost of funding earning assets | 0.8775% | 920 |
| Net interest margin | 2.3572% | 4,686 |
| Noninterest income to average assets | 0.1936% | 4,315 |
| Noninterest expense to average assets | 1.9054% | 4,315 |
| Loan and lease loss provision to assets | 0.0244% | 4,093 |
| Net operating income to assets | 0.4376% | 4,169 |
| Return on assets (ROA) | 0.4376% | 4,250 |
| Pretax return on assets | 0.4944% | 4,281 |
| Return on Equity (ROE) | 3.0436% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.0436% | 3,327 |
| Net charge-offs to loans | -0.0011% | 3,948 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5966% | 989 |
| Assets per employee ($millions) | 11.5877% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.2137% | 3,562 |
| Net loans and leases to deposits | 63.1292% | 3,510 |
| Net loans and leases to core deposits | 71.1060% | 3,166 |
| Total domestic deposits to total assets | 84.2934% | 3,017 |
| Equity capital to assets | 14.2044% | 749 |
| Core capital (leverage) ratio | 14.2746% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9436% | 234 |
| Memoranda: | ||
| Average total assets | $327,444,200 | 2,150 |
| Average earning assets | $309,863,000 | 2,119 |
| Average equity | $47,082,600 | 1,787 |
| Average total loans | $187,546,000 | 2,346 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 4,489 |
| Cost of funding earning assets | 0.9060% | 1,051 |
| Net interest margin | 2.3796% | 4,741 |
| Noninterest income to average assets | 0.1951% | 4,305 |
| Noninterest expense to average assets | 1.8391% | 4,427 |
| Loan and lease loss provision to assets | 0.0267% | 4,000 |
| Net operating income to assets | 0.4996% | 4,037 |
| Return on assets (ROA) | 0.4996% | 4,123 |
| Pretax return on assets | 0.5804% | 4,136 |
| Return on Equity (ROE) | 3.4640% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.4640% | 3,325 |
| Net charge-offs to loans | -0.0014% | 3,846 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1843% | 1,280 |
| Assets per employee ($millions) | 11.9105% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 4,063 |
| Loan loss allowance to noncurrent loans | 167,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,541 |
| Noncurrent loans to loans | 0.0005% | 4,472 |
| Net loans and leases to total assets | 55.1874% | 3,693 |
| Net loans and leases to deposits | 65.6826% | 3,644 |
| Net loans and leases to core deposits | 73.8903% | 3,326 |
| Total domestic deposits to total assets | 84.0213% | 2,815 |
| Equity capital to assets | 14.2492% | 797 |
| Core capital (leverage) ratio | 14.3128% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,294,500 | 2,141 |
| Average earning assets | $307,721,000 | 2,114 |
| Average equity | $46,920,000 | 1,782 |
| Average total loans | $189,304,250 | 2,326 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 4,573 |
| Cost of funding earning assets | 0.9188% | 1,283 |
| Net interest margin | 2.4509% | 4,762 |
| Noninterest income to average assets | 0.1724% | 4,429 |
| Noninterest expense to average assets | 1.8502% | 4,482 |
| Loan and lease loss provision to assets | 0.0310% | 3,873 |
| Net operating income to assets | 0.5202% | 3,955 |
| Return on assets (ROA) | 0.5202% | 4,043 |
| Pretax return on assets | 0.6083% | 4,045 |
| Return on Equity (ROE) | 3.5916% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.5916% | 3,129 |
| Net charge-offs to loans | -0.0021% | 3,829 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3213% | 1,433 |
| Assets per employee ($millions) | 11.4772% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,073 |
| Loan loss allowance to noncurrent loans | 33,240.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,593 |
| Noncurrent loans to loans | 0.0027% | 4,516 |
| Net loans and leases to total assets | 56.1363% | 3,672 |
| Net loans and leases to deposits | 66.9393% | 3,645 |
| Net loans and leases to core deposits | 74.5440% | 3,417 |
| Total domestic deposits to total assets | 83.8615% | 2,795 |
| Equity capital to assets | 14.1630% | 821 |
| Core capital (leverage) ratio | 14.5191% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0541% | 263 |
| Memoranda: | ||
| Average total assets | $322,561,667 | 2,135 |
| Average earning assets | $304,947,333 | 2,105 |
| Average equity | $46,720,000 | 1,774 |
| Average total loans | $190,498,000 | 2,298 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 4,639 |
| Cost of funding earning assets | 0.9383% | 1,700 |
| Net interest margin | 2.5506% | 4,788 |
| Noninterest income to average assets | 0.1852% | 4,438 |
| Noninterest expense to average assets | 1.9280% | 4,514 |
| Loan and lease loss provision to assets | 0.0441% | 3,228 |
| Net operating income to assets | 0.5293% | 3,817 |
| Return on assets (ROA) | 0.5293% | 3,876 |
| Pretax return on assets | 0.6213% | 3,886 |
| Return on Equity (ROE) | 3.6121% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.6121% | 2,841 |
| Net charge-offs to loans | -0.0042% | 3,805 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3440% | 1,769 |
| Assets per employee ($millions) | 10.2975% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 59.7172% | 3,529 |
| Net loans and leases to deposits | 71.9649% | 3,431 |
| Net loans and leases to core deposits | 80.5066% | 3,153 |
| Total domestic deposits to total assets | 82.9811% | 3,122 |
| Equity capital to assets | 14.6353% | 849 |
| Core capital (leverage) ratio | 14.7328% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6353% | 294 |
| Memoranda: | ||
| Average total assets | $317,423,500 | 2,109 |
| Average earning assets | $299,693,500 | 2,077 |
| Average equity | $46,510,000 | 1,775 |
| Average total loans | $191,494,500 | 2,244 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,828 |
| Cost of funding earning assets | 0.8267% | 2,545 |
| Net interest margin | 2.7113% | 4,834 |
| Noninterest income to average assets | 0.2223% | 4,336 |
| Noninterest expense to average assets | 2.0567% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6243% | 4,088 |
| Return on assets (ROA) | 0.6252% | 4,150 |
| Pretax return on assets | 0.7278% | 4,143 |
| Return on Equity (ROE) | 4.2251% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.2251% | 2,844 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8876% | 1,617 |
| Assets per employee ($millions) | 9.8633% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,171 |
| Loan loss allowance to noncurrent loans | 10,733.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,664 |
| Noncurrent loans to loans | 0.0079% | 4,563 |
| Net loans and leases to total assets | 59.9133% | 3,592 |
| Net loans and leases to deposits | 72.5229% | 3,473 |
| Net loans and leases to core deposits | 80.6257% | 3,244 |
| Total domestic deposits to total assets | 82.6130% | 3,327 |
| Equity capital to assets | 14.6696% | 874 |
| Core capital (leverage) ratio | 14.7854% | 730 |
| Tier 1 risk-based capital ratio | 28.6180% | 531 |
| Total risk-based capital ratio | 29.6133% | 529 |
| Memoranda: | ||
| Average total assets | $306,800,600 | 2,126 |
| Average earning assets | $289,826,800 | 2,089 |
| Average equity | $45,395,800 | 1,748 |
| Average total loans | $181,938,600 | 2,298 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 4,932 |
| Cost of funding earning assets | 0.8018% | 2,709 |
| Net interest margin | 2.7342% | 4,913 |
| Noninterest income to average assets | 0.2276% | 4,375 |
| Noninterest expense to average assets | 1.9908% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6948% | 4,031 |
| Return on assets (ROA) | 0.6956% | 4,085 |
| Pretax return on assets | 0.8216% | 4,069 |
| Return on Equity (ROE) | 4.6904% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.6904% | 3,062 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8080% | 2,000 |
| Assets per employee ($millions) | 10.0289% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,106 |
| Loan loss allowance to noncurrent loans | 161,000.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,786 |
| Noncurrent loans to loans | 0.0006% | 4,701 |
| Net loans and leases to total assets | 57.9408% | 3,882 |
| Net loans and leases to deposits | 70.5891% | 3,724 |
| Net loans and leases to core deposits | 78.0816% | 3,543 |
| Total domestic deposits to total assets | 82.0817% | 3,454 |
| Equity capital to assets | 14.7873% | 910 |
| Core capital (leverage) ratio | 14.8962% | 760 |
| Tier 1 risk-based capital ratio | 29.3224% | 504 |
| Total risk-based capital ratio | 30.3495% | 506 |
| Memoranda: | ||
| Average total assets | $304,594,250 | 2,155 |
| Average earning assets | $287,852,750 | 2,110 |
| Average equity | $45,169,500 | 1,755 |
| Average total loans | $179,745,250 | 2,339 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 4,987 |
| Cost of funding earning assets | 0.7583% | 2,855 |
| Net interest margin | 2.7714% | 4,949 |
| Noninterest income to average assets | 0.2056% | 4,516 |
| Noninterest expense to average assets | 2.0212% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6825% | 4,059 |
| Return on assets (ROA) | 0.6836% | 4,111 |
| Pretax return on assets | 0.8027% | 4,090 |
| Return on Equity (ROE) | 4.6056% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.6056% | 2,974 |
| Net charge-offs to loans | -0.0011% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6093% | 1,976 |
| Assets per employee ($millions) | 9.3664% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 4,129 |
| Loan loss allowance to noncurrent loans | 1,134.5070% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,539 |
| Noncurrent loans to loans | 0.0786% | 4,330 |
| Net loans and leases to total assets | 57.9271% | 3,922 |
| Net loans and leases to deposits | 70.7188% | 3,787 |
| Net loans and leases to core deposits | 78.0897% | 3,572 |
| Total domestic deposits to total assets | 81.9119% | 3,538 |
| Equity capital to assets | 14.6940% | 895 |
| Core capital (leverage) ratio | 15.0088% | 702 |
| Tier 1 risk-based capital ratio | 29.1614% | 512 |
| Total risk-based capital ratio | 30.1961% | 515 |
| Memoranda: | ||
| Average total assets | $302,494,000 | 2,173 |
| Average earning assets | $285,632,670 | 2,130 |
| Average equity | $44,901,670 | 1,757 |
| Average total loans | $179,078,670 | 2,352 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 5,015 |
| Cost of funding earning assets | 0.7215% | 2,937 |
| Net interest margin | 2.8122% | 4,978 |
| Noninterest income to average assets | 0.2032% | 4,536 |
| Noninterest expense to average assets | 2.0482% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6885% | 3,977 |
| Return on assets (ROA) | 0.6885% | 4,015 |
| Pretax return on assets | 0.8075% | 4,021 |
| Return on Equity (ROE) | 4.6143% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.6143% | 3,079 |
| Net charge-offs to loans | -0.0022% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7228% | 2,075 |
| Assets per employee ($millions) | 9.7151% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.6802% | 3,814 |
| Net loans and leases to deposits | 71.5603% | 3,638 |
| Net loans and leases to core deposits | 77.5604% | 3,555 |
| Total domestic deposits to total assets | 82.0011% | 3,727 |
| Equity capital to assets | 14.9086% | 772 |
| Core capital (leverage) ratio | 15.0798% | 677 |
| Tier 1 risk-based capital ratio | 29.0497% | 506 |
| Total risk-based capital ratio | 30.0923% | 510 |
| Memoranda: | ||
| Average total assets | $299,195,000 | 2,201 |
| Average earning assets | $282,202,500 | 2,163 |
| Average equity | $44,643,500 | 1,750 |
| Average total loans | $178,288,500 | 2,386 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 4,953 |
| Cost of funding earning assets | 0.6423% | 2,447 |
| Net interest margin | 2.8210% | 5,002 |
| Noninterest income to average assets | 0.2280% | 4,546 |
| Noninterest expense to average assets | 2.0449% | 4,670 |
| Loan and lease loss provision to assets | 0.0499% | 3,190 |
| Net operating income to assets | 0.6761% | 4,217 |
| Return on assets (ROA) | 0.6761% | 4,224 |
| Pretax return on assets | 0.7918% | 4,191 |
| Return on Equity (ROE) | 4.6830% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.6830% | 2,943 |
| Net charge-offs to loans | 0.0006% | 3,770 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 2,532.0000% | 34 |
| Efficiency ratio | 70.8429% | 2,065 |
| Assets per employee ($millions) | 9.5878% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.4270% | 3,826 |
| Net loans and leases to deposits | 72.7549% | 3,602 |
| Net loans and leases to core deposits | 78.8759% | 3,512 |
| Total domestic deposits to total assets | 81.6810% | 3,726 |
| Equity capital to assets | 14.9340% | 725 |
| Core capital (leverage) ratio | 14.9303% | 709 |
| Tier 1 risk-based capital ratio | 28.9066% | 515 |
| Total risk-based capital ratio | 29.9554% | 521 |
| Memoranda: | ||
| Average total assets | $300,843,000 | 2,152 |
| Average earning assets | $283,515,000 | 2,113 |
| Average equity | $43,433,600 | 1,722 |
| Average total loans | $178,519,200 | 2,346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 4,991 |
| Cost of funding earning assets | 0.6192% | 2,342 |
| Net interest margin | 2.8218% | 5,066 |
| Noninterest income to average assets | 0.2289% | 4,599 |
| Noninterest expense to average assets | 1.9512% | 4,822 |
| Loan and lease loss provision to assets | 0.0530% | 2,919 |
| Net operating income to assets | 0.7423% | 4,098 |
| Return on assets (ROA) | 0.7423% | 4,106 |
| Pretax return on assets | 0.8846% | 4,072 |
| Return on Equity (ROE) | 5.1856% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.1856% | 3,122 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5436% | 2,620 |
| Assets per employee ($millions) | 9.6151% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.8793% | 3,959 |
| Net loans and leases to deposits | 73.4412% | 3,650 |
| Net loans and leases to core deposits | 79.4831% | 3,537 |
| Total domestic deposits to total assets | 80.1720% | 4,072 |
| Equity capital to assets | 14.7731% | 767 |
| Core capital (leverage) ratio | 14.8066% | 751 |
| Tier 1 risk-based capital ratio | 28.8285% | 526 |
| Total risk-based capital ratio | 29.8640% | 531 |
| Memoranda: | ||
| Average total assets | $301,748,250 | 2,154 |
| Average earning assets | $284,446,500 | 2,120 |
| Average equity | $43,195,250 | 1,732 |
| Average total loans | $178,589,000 | 2,362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 4,995 |
| Cost of funding earning assets | 0.5979% | 2,238 |
| Net interest margin | 2.8359% | 5,083 |
| Noninterest income to average assets | 0.2066% | 4,774 |
| Noninterest expense to average assets | 1.9480% | 4,886 |
| Loan and lease loss provision to assets | 0.0594% | 2,719 |
| Net operating income to assets | 0.7334% | 4,093 |
| Return on assets (ROA) | 0.7334% | 4,089 |
| Pretax return on assets | 0.8733% | 4,045 |
| Return on Equity (ROE) | 5.1776% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.1776% | 2,985 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6214% | 2,707 |
| Assets per employee ($millions) | 9.6525% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.2643% | 3,879 |
| Net loans and leases to deposits | 72.5393% | 3,671 |
| Net loans and leases to core deposits | 78.0865% | 3,574 |
| Total domestic deposits to total assets | 81.6996% | 3,810 |
| Equity capital to assets | 14.5293% | 801 |
| Core capital (leverage) ratio | 14.4767% | 787 |
| Tier 1 risk-based capital ratio | 28.5017% | 537 |
| Total risk-based capital ratio | 29.5189% | 540 |
| Memoranda: | ||
| Average total assets | $302,974,670 | 2,151 |
| Average earning assets | $285,689,670 | 2,126 |
| Average equity | $42,915,670 | 1,746 |
| Average total loans | $179,091,330 | 2,360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 5,018 |
| Cost of funding earning assets | 0.5876% | 2,128 |
| Net interest margin | 2.8140% | 5,146 |
| Noninterest income to average assets | 0.2060% | 4,791 |
| Noninterest expense to average assets | 1.9380% | 4,961 |
| Loan and lease loss provision to assets | 0.0590% | 2,585 |
| Net operating income to assets | 0.7217% | 4,020 |
| Return on assets (ROA) | 0.7217% | 4,026 |
| Pretax return on assets | 0.8608% | 3,980 |
| Return on Equity (ROE) | 5.1600% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.1600% | 3,094 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8145% | 2,861 |
| Assets per employee ($millions) | 9.2053% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.4228% | 3,902 |
| Net loans and leases to deposits | 73.2688% | 3,487 |
| Net loans and leases to core deposits | 78.5833% | 3,444 |
| Total domestic deposits to total assets | 79.7376% | 4,455 |
| Equity capital to assets | 14.1236% | 859 |
| Core capital (leverage) ratio | 14.1526% | 843 |
| Tier 1 risk-based capital ratio | 28.3148% | 542 |
| Total risk-based capital ratio | 29.3088% | 553 |
| Memoranda: | ||
| Average total assets | $304,847,500 | 2,163 |
| Average earning assets | $287,276,500 | 2,136 |
| Average equity | $42,635,500 | 1,768 |
| Average total loans | $179,193,500 | 2,370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 4,982 |
| Cost of funding earning assets | 0.5404% | 2,027 |
| Net interest margin | 2.8291% | 5,131 |
| Noninterest income to average assets | 0.2254% | 4,793 |
| Noninterest expense to average assets | 1.9795% | 4,995 |
| Loan and lease loss provision to assets | 0.0506% | 3,212 |
| Net operating income to assets | 0.6014% | 4,002 |
| Return on assets (ROA) | 0.6014% | 4,042 |
| Pretax return on assets | 0.8690% | 4,020 |
| Return on Equity (ROE) | 4.3198% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.3198% | 2,561 |
| Net charge-offs to loans | -0.0123% | 4,845 |
| Credit loss provision to net charge-offs | -719.0476% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2800% | 2,841 |
| Assets per employee ($millions) | 9.8684% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,783 |
| Loan loss allowance to noncurrent loans | 1,803.7037% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,019 |
| Noncurrent loans to loans | 0.0451% | 4,797 |
| Net loans and leases to total assets | 58.1675% | 3,990 |
| Net loans and leases to deposits | 73.3653% | 3,567 |
| Net loans and leases to core deposits | 79.1948% | 3,488 |
| Total domestic deposits to total assets | 79.2848% | 4,483 |
| Equity capital to assets | 13.8490% | 951 |
| Core capital (leverage) ratio | 13.9419% | 846 |
| Tier 1 risk-based capital ratio | 27.7233% | 556 |
| Total risk-based capital ratio | 28.6797% | 564 |
| Memoranda: | ||
| Average total assets | $298,617,200 | 2,177 |
| Average earning assets | $282,207,600 | 2,143 |
| Average equity | $41,576,400 | 1,794 |
| Average total loans | $170,431,200 | 2,413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 5,022 |
| Cost of funding earning assets | 0.5302% | 2,031 |
| Net interest margin | 2.8296% | 5,177 |
| Noninterest income to average assets | 0.2269% | 4,855 |
| Noninterest expense to average assets | 1.9196% | 5,109 |
| Loan and lease loss provision to assets | 0.0476% | 3,149 |
| Net operating income to assets | 0.7183% | 3,880 |
| Return on assets (ROA) | 0.7183% | 3,942 |
| Pretax return on assets | 0.9353% | 3,917 |
| Return on Equity (ROE) | 5.1523% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.1523% | 2,774 |
| Net charge-offs to loans | -0.0166% | 4,787 |
| Credit loss provision to net charge-offs | -504.7619% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1353% | 3,185 |
| Assets per employee ($millions) | 9.7958% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,899 |
| Loan loss allowance to noncurrent loans | 1,770.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,116 |
| Noncurrent loans to loans | 0.0451% | 4,913 |
| Net loans and leases to total assets | 57.9717% | 4,061 |
| Net loans and leases to deposits | 73.0522% | 3,658 |
| Net loans and leases to core deposits | 78.7935% | 3,558 |
| Total domestic deposits to total assets | 79.3565% | 4,471 |
| Equity capital to assets | 13.8878% | 1,024 |
| Core capital (leverage) ratio | 14.1244% | 860 |
| Tier 1 risk-based capital ratio | 27.9141% | 575 |
| Total risk-based capital ratio | 28.8518% | 577 |
| Memoranda: | ||
| Average total assets | $296,791,500 | 2,199 |
| Average earning assets | $280,642,000 | 2,170 |
| Average equity | $41,378,750 | 1,821 |
| Average total loans | $168,187,250 | 2,460 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,020 |
| Cost of funding earning assets | 0.5257% | 1,956 |
| Net interest margin | 2.8317% | 5,198 |
| Noninterest income to average assets | 0.2065% | 5,013 |
| Noninterest expense to average assets | 1.9158% | 5,161 |
| Loan and lease loss provision to assets | 0.0414% | 3,175 |
| Net operating income to assets | 0.7165% | 3,766 |
| Return on assets (ROA) | 0.7165% | 3,835 |
| Pretax return on assets | 0.9304% | 3,827 |
| Return on Equity (ROE) | 5.1321% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,621 |
| Net charge-offs to loans | -0.0206% | 4,794 |
| Credit loss provision to net charge-offs | -358.8235% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3452% | 3,293 |
| Assets per employee ($millions) | 9.2593% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 4,935 |
| Loan loss allowance to noncurrent loans | 9,113.3333% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,286 |
| Noncurrent loans to loans | 0.0088% | 5,152 |
| Net loans and leases to total assets | 56.7873% | 4,147 |
| Net loans and leases to deposits | 67.9977% | 4,073 |
| Net loans and leases to core deposits | 73.4098% | 3,990 |
| Total domestic deposits to total assets | 83.5135% | 3,398 |
| Equity capital to assets | 14.0504% | 947 |
| Core capital (leverage) ratio | 14.1980% | 803 |
| Tier 1 risk-based capital ratio | 28.3607% | 533 |
| Total risk-based capital ratio | 29.2934% | 537 |
| Memoranda: | ||
| Average total assets | $294,499,000 | 2,224 |
| Average earning assets | $278,847,000 | 2,182 |
| Average equity | $41,114,000 | 1,829 |
| Average total loans | $165,097,000 | 2,493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4160% | 4,895 |
| Cost of funding earning assets | 0.5245% | 1,903 |
| Net interest margin | 2.8914% | 5,101 |
| Noninterest income to average assets | 0.2057% | 5,043 |
| Noninterest expense to average assets | 1.9264% | 5,190 |
| Loan and lease loss provision to assets | 0.0422% | 2,957 |
| Net operating income to assets | 0.7480% | 3,487 |
| Return on assets (ROA) | 0.7480% | 3,536 |
| Pretax return on assets | 0.9782% | 3,466 |
| Return on Equity (ROE) | 5.3750% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.3750% | 2,682 |
| Net charge-offs to loans | -0.0418% | 5,098 |
| Credit loss provision to net charge-offs | -182.3529% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3722% | 3,600 |
| Assets per employee ($millions) | 9.5350% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 5,006 |
| Loan loss allowance to noncurrent loans | 8,913.3333% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,353 |
| Noncurrent loans to loans | 0.0092% | 5,214 |
| Net loans and leases to total assets | 54.6866% | 4,285 |
| Net loans and leases to deposits | 65.3503% | 4,223 |
| Net loans and leases to core deposits | 70.4263% | 4,115 |
| Total domestic deposits to total assets | 83.6822% | 3,590 |
| Equity capital to assets | 13.9144% | 927 |
| Core capital (leverage) ratio | 13.9886% | 846 |
| Tier 1 risk-based capital ratio | 28.9806% | 513 |
| Total risk-based capital ratio | 29.9243% | 516 |
| Memoranda: | ||
| Average total assets | $293,600,000 | 2,245 |
| Average earning assets | $278,340,000 | 2,198 |
| Average equity | $40,855,500 | 1,826 |
| Average total loans | $162,832,500 | 2,540 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 5,116 |
| Cost of funding earning assets | 0.5137% | 1,990 |
| Net interest margin | 2.8170% | 5,267 |
| Noninterest income to average assets | 0.2328% | 5,021 |
| Noninterest expense to average assets | 1.9734% | 5,245 |
| Loan and lease loss provision to assets | 0.0262% | 3,826 |
| Net operating income to assets | 0.7259% | 3,660 |
| Return on assets (ROA) | 0.7259% | 3,774 |
| Pretax return on assets | 0.9084% | 3,823 |
| Return on Equity (ROE) | 5.2525% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.2525% | 2,163 |
| Net charge-offs to loans | 0.0026% | 4,176 |
| Credit loss provision to net charge-offs | 1,875.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 669.5000% | 121 |
| Efficiency ratio | 67.8627% | 3,265 |
| Assets per employee ($millions) | 9.7205% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 5,126 |
| Loan loss allowance to noncurrent loans | 57.7509% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 2,440 |
| Noncurrent loans to loans | 1.3720% | 1,495 |
| Net loans and leases to total assets | 55.3447% | 4,322 |
| Net loans and leases to deposits | 66.4130% | 4,211 |
| Net loans and leases to core deposits | 70.3017% | 4,215 |
| Total domestic deposits to total assets | 83.3341% | 3,650 |
| Equity capital to assets | 13.9163% | 915 |
| Core capital (leverage) ratio | 14.1572% | 777 |
| Tier 1 risk-based capital ratio | 28.7835% | 528 |
| Total risk-based capital ratio | 29.6993% | 537 |
| Memoranda: | ||
| Average total assets | $286,559,600 | 2,240 |
| Average earning assets | $272,130,400 | 2,197 |
| Average equity | $39,600,200 | 1,860 |
| Average total loans | $153,987,400 | 2,593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 5,103 |
| Cost of funding earning assets | 0.5122% | 1,997 |
| Net interest margin | 2.8483% | 5,273 |
| Noninterest income to average assets | 0.2327% | 5,080 |
| Noninterest expense to average assets | 1.9324% | 5,331 |
| Loan and lease loss provision to assets | 0.0210% | 3,817 |
| Net operating income to assets | 0.7758% | 3,479 |
| Return on assets (ROA) | 0.7758% | 3,624 |
| Pretax return on assets | 0.9847% | 3,688 |
| Return on Equity (ROE) | 5.6239% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.6239% | 2,416 |
| Net charge-offs to loans | 0.0035% | 3,804 |
| Credit loss provision to net charge-offs | 1,125.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 538.3227% | 169 |
| Efficiency ratio | 65.7706% | 3,631 |
| Assets per employee ($millions) | 9.2607% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 5,160 |
| Loan loss allowance to noncurrent loans | 1,259.0000% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,349 |
| Noncurrent loans to loans | 0.0644% | 5,096 |
| Net loans and leases to total assets | 53.6629% | 4,521 |
| Net loans and leases to deposits | 63.7276% | 4,508 |
| Net loans and leases to core deposits | 67.5730% | 4,501 |
| Total domestic deposits to total assets | 84.2067% | 3,140 |
| Equity capital to assets | 13.9942% | 1,031 |
| Core capital (leverage) ratio | 13.9477% | 866 |
| Tier 1 risk-based capital ratio | 29.7224% | 493 |
| Total risk-based capital ratio | 30.6558% | 498 |
| Memoranda: | ||
| Average total assets | $285,296,000 | 2,254 |
| Average earning assets | $270,986,750 | 2,209 |
| Average equity | $39,354,750 | 1,880 |
| Average total loans | $151,813,750 | 2,619 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 5,128 |
| Cost of funding earning assets | 0.5047% | 2,065 |
| Net interest margin | 2.8743% | 5,307 |
| Noninterest income to average assets | 0.2107% | 5,236 |
| Noninterest expense to average assets | 1.9389% | 5,390 |
| Loan and lease loss provision to assets | 0.0211% | 3,716 |
| Net operating income to assets | 0.7791% | 3,405 |
| Return on assets (ROA) | 0.7791% | 3,551 |
| Pretax return on assets | 0.9835% | 3,644 |
| Return on Equity (ROE) | 5.6753% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.6753% | 2,322 |
| Net charge-offs to loans | 0.0053% | 3,514 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 357.5000% | 195 |
| Efficiency ratio | 65.8711% | 3,696 |
| Assets per employee ($millions) | 9.2326% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 5,204 |
| Loan loss allowance to noncurrent loans | 1,323.4043% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,460 |
| Noncurrent loans to loans | 0.0625% | 5,201 |
| Net loans and leases to total assets | 52.1519% | 4,659 |
| Net loans and leases to deposits | 62.0356% | 4,647 |
| Net loans and leases to core deposits | 66.0792% | 4,607 |
| Total domestic deposits to total assets | 84.0678% | 3,236 |
| Equity capital to assets | 13.8457% | 1,076 |
| Core capital (leverage) ratio | 13.8270% | 870 |
| Tier 1 risk-based capital ratio | 29.8893% | 502 |
| Total risk-based capital ratio | 30.8297% | 509 |
| Memoranda: | ||
| Average total assets | $284,700,330 | 2,268 |
| Average earning assets | $270,677,000 | 2,229 |
| Average equity | $39,081,330 | 1,895 |
| Average total loans | $150,646,330 | 2,635 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4121% | 5,099 |
| Cost of funding earning assets | 0.4815% | 2,259 |
| Net interest margin | 2.9306% | 5,260 |
| Noninterest income to average assets | 0.2071% | 5,253 |
| Noninterest expense to average assets | 1.9483% | 5,438 |
| Loan and lease loss provision to assets | 0.0211% | 3,406 |
| Net operating income to assets | 0.8030% | 3,231 |
| Return on assets (ROA) | 0.8030% | 3,346 |
| Pretax return on assets | 1.0241% | 3,390 |
| Return on Equity (ROE) | 5.8751% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.8751% | 2,433 |
| Net charge-offs to loans | 0.0133% | 2,681 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 148.4000% | 403 |
| Efficiency ratio | 65.0824% | 3,961 |
| Assets per employee ($millions) | 9.5592% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,319 |
| Loan loss allowance to noncurrent loans | 1,279.1667% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,508 |
| Noncurrent loans to loans | 0.0639% | 5,225 |
| Net loans and leases to total assets | 51.9522% | 4,629 |
| Net loans and leases to deposits | 62.4262% | 4,553 |
| Net loans and leases to core deposits | 66.4586% | 4,507 |
| Total domestic deposits to total assets | 83.2218% | 3,815 |
| Equity capital to assets | 13.6315% | 1,125 |
| Core capital (leverage) ratio | 13.7711% | 879 |
| Tier 1 risk-based capital ratio | 29.7981% | 516 |
| Total risk-based capital ratio | 30.7373% | 519 |
| Memoranda: | ||
| Average total assets | $283,944,500 | 2,287 |
| Average earning assets | $269,981,500 | 2,243 |
| Average equity | $38,808,000 | 1,899 |
| Average total loans | $150,715,000 | 2,636 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 5,287 |
| Cost of funding earning assets | 0.4816% | 2,343 |
| Net interest margin | 2.8521% | 5,420 |
| Noninterest income to average assets | 0.2329% | 5,202 |
| Noninterest expense to average assets | 1.9074% | 5,609 |
| Loan and lease loss provision to assets | 0.0163% | 4,086 |
| Net operating income to assets | 0.8161% | 3,274 |
| Return on assets (ROA) | 0.8167% | 3,347 |
| Pretax return on assets | 1.0222% | 3,373 |
| Return on Equity (ROE) | 6.1506% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.1506% | 1,722 |
| Net charge-offs to loans | 0.0020% | 4,408 |
| Credit loss provision to net charge-offs | 1,533.3333% | 226 |
| Earnings coverage of net charge-offs (x) | 974.3333% | 59 |
| Efficiency ratio | 64.7619% | 4,124 |
| Assets per employee ($millions) | 9.0681% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,393 |
| Loan loss allowance to noncurrent loans | 1,230.3030% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,540 |
| Noncurrent loans to loans | 0.0655% | 5,248 |
| Net loans and leases to total assets | 53.3584% | 4,554 |
| Net loans and leases to deposits | 65.2885% | 4,371 |
| Net loans and leases to core deposits | 67.6790% | 4,467 |
| Total domestic deposits to total assets | 81.7272% | 4,250 |
| Equity capital to assets | 13.7041% | 1,041 |
| Core capital (leverage) ratio | 13.6371% | 926 |
| Tier 1 risk-based capital ratio | 29.3994% | 536 |
| Total risk-based capital ratio | 30.3322% | 540 |
| Memoranda: | ||
| Average total assets | $281,635,000 | 2,256 |
| Average earning assets | $267,835,600 | 2,219 |
| Average equity | $37,394,600 | 1,912 |
| Average total loans | $147,457,200 | 2,635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,386 |
| Cost of funding earning assets | 0.4851% | 2,365 |
| Net interest margin | 2.8263% | 5,533 |
| Noninterest income to average assets | 0.2347% | 5,249 |
| Noninterest expense to average assets | 1.8455% | 5,715 |
| Loan and lease loss provision to assets | 0.0147% | 3,977 |
| Net operating income to assets | 0.8430% | 3,204 |
| Return on assets (ROA) | 0.8437% | 3,287 |
| Pretax return on assets | 1.0637% | 3,355 |
| Return on Equity (ROE) | 6.4056% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.4056% | 2,014 |
| Net charge-offs to loans | 0.0027% | 4,091 |
| Credit loss provision to net charge-offs | 1,033.3333% | 350 |
| Earnings coverage of net charge-offs (x) | 758.9800% | 101 |
| Efficiency ratio | 63.1374% | 4,386 |
| Assets per employee ($millions) | 9.0712% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 5,519 |
| Loan loss allowance to noncurrent loans | 1,055.2632% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,622 |
| Noncurrent loans to loans | 0.0755% | 5,324 |
| Net loans and leases to total assets | 53.2446% | 4,644 |
| Net loans and leases to deposits | 64.7618% | 4,493 |
| Net loans and leases to core deposits | 66.7395% | 4,643 |
| Total domestic deposits to total assets | 82.2160% | 4,098 |
| Equity capital to assets | 13.5181% | 1,221 |
| Core capital (leverage) ratio | 13.5805% | 986 |
| Tier 1 risk-based capital ratio | 29.8195% | 537 |
| Total risk-based capital ratio | 30.7667% | 541 |
| Memoranda: | ||
| Average total assets | $281,765,750 | 2,272 |
| Average earning assets | $268,003,750 | 2,223 |
| Average equity | $37,112,250 | 1,934 |
| Average total loans | $146,517,750 | 2,654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2979% | 5,443 |
| Cost of funding earning assets | 0.4920% | 2,327 |
| Net interest margin | 2.8059% | 5,606 |
| Noninterest income to average assets | 0.2135% | 5,417 |
| Noninterest expense to average assets | 1.8450% | 5,790 |
| Loan and lease loss provision to assets | 0.0128% | 3,863 |
| Net operating income to assets | 0.8216% | 3,273 |
| Return on assets (ROA) | 0.8221% | 3,372 |
| Pretax return on assets | 1.0264% | 3,474 |
| Return on Equity (ROE) | 6.2969% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.2969% | 2,062 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9852% | 4,363 |
| Assets per employee ($millions) | 9.1307% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 5,542 |
| Loan loss allowance to noncurrent loans | 1,217.3469% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 5,728 |
| Noncurrent loans to loans | 0.0676% | 5,466 |
| Net loans and leases to total assets | 50.7870% | 4,863 |
| Net loans and leases to deposits | 61.6647% | 4,725 |
| Net loans and leases to core deposits | 63.5259% | 4,843 |
| Total domestic deposits to total assets | 82.3598% | 4,166 |
| Equity capital to assets | 13.2117% | 1,297 |
| Core capital (leverage) ratio | 13.1797% | 1,098 |
| Tier 1 risk-based capital ratio | 30.6023% | 511 |
| Total risk-based capital ratio | 31.5825% | 515 |
| Memoranda: | ||
| Average total assets | $281,951,670 | 2,288 |
| Average earning assets | $268,290,330 | 2,245 |
| Average equity | $36,811,670 | 1,956 |
| Average total loans | $145,046,670 | 2,681 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 5,521 |
| Cost of funding earning assets | 0.4972% | 2,307 |
| Net interest margin | 2.7698% | 5,704 |
| Noninterest income to average assets | 0.2047% | 5,491 |
| Noninterest expense to average assets | 1.8621% | 5,810 |
| Loan and lease loss provision to assets | 0.0128% | 3,559 |
| Net operating income to assets | 0.7821% | 3,354 |
| Return on assets (ROA) | 0.7832% | 3,483 |
| Pretax return on assets | 0.9680% | 3,617 |
| Return on Equity (ROE) | 6.0351% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0351% | 2,483 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5328% | 4,231 |
| Assets per employee ($millions) | 9.1765% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 5,676 |
| Loan loss allowance to noncurrent loans | 654.1436% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,678 |
| Noncurrent loans to loans | 0.1237% | 5,330 |
| Net loans and leases to total assets | 51.0126% | 4,743 |
| Net loans and leases to deposits | 61.6515% | 4,607 |
| Net loans and leases to core deposits | 63.6317% | 4,730 |
| Total domestic deposits to total assets | 82.7434% | 4,255 |
| Equity capital to assets | 12.9338% | 1,437 |
| Core capital (leverage) ratio | 13.0208% | 1,148 |
| Tier 1 risk-based capital ratio | 30.8156% | 503 |
| Total risk-based capital ratio | 31.8091% | 512 |
| Memoranda: | ||
| Average total assets | $281,401,000 | 2,308 |
| Average earning assets | $267,894,000 | 2,262 |
| Average equity | $36,519,500 | 1,984 |
| Average total loans | $145,096,500 | 2,691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 6,050 |
| Cost of funding earning assets | 0.5673% | 2,070 |
| Net interest margin | 2.4485% | 6,196 |
| Noninterest income to average assets | 0.2249% | 5,519 |
| Noninterest expense to average assets | 1.8280% | 6,032 |
| Loan and lease loss provision to assets | 0.0127% | 4,363 |
| Net operating income to assets | 0.6127% | 4,313 |
| Return on assets (ROA) | 0.6160% | 4,397 |
| Pretax return on assets | 0.7202% | 4,556 |
| Return on Equity (ROE) | 4.9476% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.9476% | 2,635 |
| Net charge-offs to loans | 0.0007% | 4,964 |
| Credit loss provision to net charge-offs | 3,600.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 2,071.0000% | 12 |
| Efficiency ratio | 71.4895% | 3,292 |
| Assets per employee ($millions) | 8.6978% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 5,736 |
| Loan loss allowance to noncurrent loans | 1,030.7018% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 5,872 |
| Noncurrent loans to loans | 0.0792% | 5,570 |
| Net loans and leases to total assets | 51.2764% | 4,853 |
| Net loans and leases to deposits | 60.6286% | 4,845 |
| Net loans and leases to core deposits | 62.5984% | 4,953 |
| Total domestic deposits to total assets | 84.5745% | 3,469 |
| Equity capital to assets | 13.0226% | 1,362 |
| Core capital (leverage) ratio | 12.9957% | 1,142 |
| Tier 1 risk-based capital ratio | 31.4588% | 455 |
| Total risk-based capital ratio | 32.4807% | 458 |
| Memoranda: | ||
| Average total assets | $284,076,400 | 2,242 |
| Average earning assets | $270,575,400 | 2,194 |
| Average equity | $35,370,400 | 1,978 |
| Average total loans | $142,375,000 | 2,680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 6,158 |
| Cost of funding earning assets | 0.5724% | 2,085 |
| Net interest margin | 2.3975% | 6,299 |
| Noninterest income to average assets | 0.2265% | 5,574 |
| Noninterest expense to average assets | 1.7778% | 6,120 |
| Loan and lease loss provision to assets | 0.0126% | 4,164 |
| Net operating income to assets | 0.6121% | 4,388 |
| Return on assets (ROA) | 0.6164% | 4,463 |
| Pretax return on assets | 0.7257% | 4,605 |
| Return on Equity (ROE) | 5.0068% | 4,715 |
| Retained earnings to average equity (ytd only) | 5.0068% | 3,076 |
| Net charge-offs to loans | 0.0009% | 4,676 |
| Credit loss provision to net charge-offs | 2,700.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 1,573.8947% | 35 |
| Efficiency ratio | 70.8016% | 3,369 |
| Assets per employee ($millions) | 8.9294% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,830 |
| Loan loss allowance to noncurrent loans | 580.0995% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,875 |
| Noncurrent loans to loans | 0.1411% | 5,499 |
| Net loans and leases to total assets | 49.4491% | 5,062 |
| Net loans and leases to deposits | 58.8427% | 5,028 |
| Net loans and leases to core deposits | 60.7098% | 5,143 |
| Total domestic deposits to total assets | 84.0362% | 3,743 |
| Equity capital to assets | 12.5362% | 1,674 |
| Core capital (leverage) ratio | 12.5082% | 1,398 |
| Tier 1 risk-based capital ratio | 31.0324% | 481 |
| Total risk-based capital ratio | 32.0448% | 483 |
| Memoranda: | ||
| Average total assets | $285,512,750 | 2,252 |
| Average earning assets | $272,055,500 | 2,195 |
| Average equity | $35,151,500 | 1,996 |
| Average total loans | $141,995,500 | 2,696 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 6,232 |
| Cost of funding earning assets | 0.5737% | 2,129 |
| Net interest margin | 2.3632% | 6,380 |
| Noninterest income to average assets | 0.2067% | 5,717 |
| Noninterest expense to average assets | 1.7699% | 6,185 |
| Loan and lease loss provision to assets | 0.0126% | 4,004 |
| Net operating income to assets | 0.5798% | 4,452 |
| Return on assets (ROA) | 0.5865% | 4,516 |
| Pretax return on assets | 0.6832% | 4,702 |
| Return on Equity (ROE) | 4.7927% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.7927% | 3,093 |
| Net charge-offs to loans | 0.0014% | 4,350 |
| Credit loss provision to net charge-offs | 1,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 64 |
| Efficiency ratio | 72.0068% | 3,341 |
| Assets per employee ($millions) | 9.0254% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 5,966 |
| Loan loss allowance to noncurrent loans | 267.2055% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 5,702 |
| Noncurrent loans to loans | 0.3010% | 5,115 |
| Net loans and leases to total assets | 49.4045% | 5,027 |
| Net loans and leases to deposits | 58.6089% | 4,989 |
| Net loans and leases to core deposits | 60.5566% | 5,099 |
| Total domestic deposits to total assets | 84.2951% | 3,818 |
| Equity capital to assets | 12.2387% | 1,825 |
| Core capital (leverage) ratio | 12.2079% | 1,548 |
| Tier 1 risk-based capital ratio | 30.3352% | 509 |
| Total risk-based capital ratio | 31.3307% | 511 |
| Memoranda: | ||
| Average total assets | $285,437,000 | 2,250 |
| Average earning assets | $271,921,000 | 2,197 |
| Average equity | $34,928,330 | 2,000 |
| Average total loans | $141,840,000 | 2,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9427% | 6,294 |
| Cost of funding earning assets | 0.5711% | 2,234 |
| Net interest margin | 2.3716% | 6,435 |
| Noninterest income to average assets | 0.2016% | 5,743 |
| Noninterest expense to average assets | 1.7960% | 6,226 |
| Loan and lease loss provision to assets | 0.0127% | 3,664 |
| Net operating income to assets | 0.5630% | 4,395 |
| Return on assets (ROA) | 0.5752% | 4,394 |
| Pretax return on assets | 0.6668% | 4,608 |
| Return on Equity (ROE) | 4.7006% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.7006% | 3,294 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9668% | 3,316 |
| Assets per employee ($millions) | 9.0026% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,070 |
| Loan loss allowance to noncurrent loans | 256.2500% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 5,775 |
| Noncurrent loans to loans | 0.3176% | 5,152 |
| Net loans and leases to total assets | 48.5667% | 5,056 |
| Net loans and leases to deposits | 58.2984% | 4,913 |
| Net loans and leases to core deposits | 59.9711% | 5,040 |
| Total domestic deposits to total assets | 83.3072% | 4,495 |
| Equity capital to assets | 12.1215% | 1,790 |
| Core capital (leverage) ratio | 12.0900% | 1,602 |
| Tier 1 risk-based capital ratio | 30.0442% | 528 |
| Total risk-based capital ratio | 31.0345% | 530 |
| Memoranda: | ||
| Average total assets | $283,748,500 | 2,271 |
| Average earning assets | $270,368,000 | 2,215 |
| Average equity | $34,719,000 | 1,999 |
| Average total loans | $140,838,000 | 2,725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9543% | 6,387 |
| Cost of funding earning assets | 0.6864% | 1,909 |
| Net interest margin | 2.2678% | 6,546 |
| Noninterest income to average assets | 0.2338% | 5,676 |
| Noninterest expense to average assets | 1.7453% | 6,396 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5644% | 4,436 |
| Return on assets (ROA) | 0.5647% | 4,544 |
| Pretax return on assets | 0.6469% | 4,717 |
| Return on Equity (ROE) | 4.7892% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.7892% | 2,740 |
| Net charge-offs to loans | 0.0008% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1,850.0000% | 17 |
| Efficiency ratio | 72.9690% | 3,295 |
| Assets per employee ($millions) | 8.4671% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 6,144 |
| Loan loss allowance to noncurrent loans | 378.7375% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 6,008 |
| Noncurrent loans to loans | 0.2141% | 5,539 |
| Net loans and leases to total assets | 49.9171% | 5,089 |
| Net loans and leases to deposits | 59.2471% | 5,010 |
| Net loans and leases to core deposits | 60.7770% | 5,157 |
| Total domestic deposits to total assets | 84.2525% | 4,076 |
| Equity capital to assets | 12.3537% | 1,591 |
| Core capital (leverage) ratio | 12.3190% | 1,441 |
| Tier 1 risk-based capital ratio | 29.8097% | 509 |
| Total risk-based capital ratio | 30.7970% | 514 |
| Memoranda: | ||
| Average total assets | $286,145,800 | 2,225 |
| Average earning assets | $272,285,200 | 2,163 |
| Average equity | $33,742,800 | 2,039 |
| Average total loans | $133,161,800 | 2,805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9487% | 6,466 |
| Cost of funding earning assets | 0.7001% | 1,945 |
| Net interest margin | 2.2487% | 6,617 |
| Noninterest income to average assets | 0.2353% | 5,749 |
| Noninterest expense to average assets | 1.6982% | 6,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5819% | 4,419 |
| Return on assets (ROA) | 0.5823% | 4,547 |
| Pretax return on assets | 0.6772% | 4,756 |
| Return on Equity (ROE) | 4.9956% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.9956% | 3,090 |
| Net charge-offs to loans | 0.0010% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,464.6241% | 20 |
| Efficiency ratio | 71.5038% | 3,507 |
| Assets per employee ($millions) | 8.5146% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,203 |
| Loan loss allowance to noncurrent loans | 265.7343% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 5,997 |
| Noncurrent loans to loans | 0.3154% | 5,439 |
| Net loans and leases to total assets | 46.5877% | 5,486 |
| Net loans and leases to deposits | 55.5993% | 5,404 |
| Net loans and leases to core deposits | 57.0521% | 5,523 |
| Total domestic deposits to total assets | 83.7919% | 4,285 |
| Equity capital to assets | 11.8015% | 2,048 |
| Core capital (leverage) ratio | 11.7656% | 1,845 |
| Tier 1 risk-based capital ratio | 30.1222% | 510 |
| Total risk-based capital ratio | 31.1304% | 516 |
| Memoranda: | ||
| Average total assets | $287,828,500 | 2,231 |
| Average earning assets | $273,874,250 | 2,160 |
| Average equity | $33,549,000 | 2,073 |
| Average total loans | $131,298,250 | 2,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9838% | 6,464 |
| Cost of funding earning assets | 0.7109% | 1,994 |
| Net interest margin | 2.2730% | 6,641 |
| Noninterest income to average assets | 0.2193% | 5,871 |
| Noninterest expense to average assets | 1.6980% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5863% | 4,366 |
| Return on assets (ROA) | 0.5869% | 4,542 |
| Pretax return on assets | 0.6858% | 4,731 |
| Return on Equity (ROE) | 5.0564% | 4,699 |
| Retained earnings to average equity (ytd only) | 5.0564% | 3,019 |
| Net charge-offs to loans | 0.0015% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 984.0000% | 31 |
| Efficiency ratio | 71.2533% | 3,601 |
| Assets per employee ($millions) | 8.3909% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,239 |
| Loan loss allowance to noncurrent loans | 272.0764% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,053 |
| Noncurrent loans to loans | 0.3151% | 5,507 |
| Net loans and leases to total assets | 46.2102% | 5,508 |
| Net loans and leases to deposits | 55.1513% | 5,424 |
| Net loans and leases to core deposits | 56.6103% | 5,552 |
| Total domestic deposits to total assets | 83.7881% | 4,416 |
| Equity capital to assets | 11.8322% | 2,026 |
| Core capital (leverage) ratio | 11.7943% | 1,727 |
| Tier 1 risk-based capital ratio | 29.9511% | 525 |
| Total risk-based capital ratio | 30.9659% | 531 |
| Memoranda: | ||
| Average total assets | $287,272,330 | 2,240 |
| Average earning assets | $273,474,670 | 2,167 |
| Average equity | $33,343,670 | 2,090 |
| Average total loans | $129,727,670 | 2,878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 6,525 |
| Cost of funding earning assets | 0.7272% | 2,012 |
| Net interest margin | 2.2646% | 6,712 |
| Noninterest income to average assets | 0.2234% | 5,881 |
| Noninterest expense to average assets | 1.7179% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5705% | 4,359 |
| Return on assets (ROA) | 0.5717% | 4,502 |
| Pretax return on assets | 0.6633% | 4,733 |
| Return on Equity (ROE) | 4.9732% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.9732% | 3,251 |
| Net charge-offs to loans | -0.0094% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1866% | 3,576 |
| Assets per employee ($millions) | 8.7392% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,314 |
| Loan loss allowance to noncurrent loans | 436.6412% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 6,318 |
| Noncurrent loans to loans | 0.2002% | 5,900 |
| Net loans and leases to total assets | 44.9880% | 5,550 |
| Net loans and leases to deposits | 53.4901% | 5,472 |
| Net loans and leases to core deposits | 55.0038% | 5,602 |
| Total domestic deposits to total assets | 84.1051% | 4,427 |
| Equity capital to assets | 11.5609% | 2,360 |
| Core capital (leverage) ratio | 11.5179% | 1,871 |
| Tier 1 risk-based capital ratio | 29.7356% | 545 |
| Total risk-based capital ratio | 30.7597% | 551 |
| Memoranda: | ||
| Average total assets | $288,263,500 | 2,262 |
| Average earning assets | $274,489,500 | 2,186 |
| Average equity | $33,137,500 | 2,120 |
| Average total loans | $128,105,000 | 2,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 6,619 |
| Cost of funding earning assets | 0.8307% | 2,418 |
| Net interest margin | 2.4305% | 6,758 |
| Noninterest income to average assets | 0.2524% | 5,661 |
| Noninterest expense to average assets | 1.6493% | 6,760 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7099% | 3,697 |
| Return on assets (ROA) | 0.7102% | 3,949 |
| Pretax return on assets | 0.9231% | 3,840 |
| Return on Equity (ROE) | 6.5308% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.5308% | 1,802 |
| Net charge-offs to loans | 0.0046% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 452.1667% | 89 |
| Efficiency ratio | 64.1232% | 4,858 |
| Assets per employee ($millions) | 8.7313% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,245 |
| Loan loss allowance to noncurrent loans | 579.1878% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 6,440 |
| Noncurrent loans to loans | 0.1572% | 6,087 |
| Net loans and leases to total assets | 43.0990% | 5,897 |
| Net loans and leases to deposits | 50.9325% | 5,892 |
| Net loans and leases to core deposits | 52.4444% | 5,985 |
| Total domestic deposits to total assets | 84.6199% | 4,027 |
| Equity capital to assets | 11.4302% | 2,509 |
| Core capital (leverage) ratio | 11.3854% | 1,947 |
| Tier 1 risk-based capital ratio | 30.6091% | 492 |
| Total risk-based capital ratio | 31.6737% | 491 |
| Memoranda: | ||
| Average total assets | $293,999,200 | 2,179 |
| Average earning assets | $280,603,800 | 2,098 |
| Average equity | $31,971,800 | 2,142 |
| Average total loans | $130,523,000 | 2,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 6,722 |
| Cost of funding earning assets | 0.8464% | 2,574 |
| Net interest margin | 2.4623% | 6,851 |
| Noninterest income to average assets | 0.2545% | 5,745 |
| Noninterest expense to average assets | 1.6033% | 6,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7560% | 3,667 |
| Return on assets (ROA) | 0.7563% | 3,916 |
| Pretax return on assets | 1.0027% | 3,697 |
| Return on Equity (ROE) | 7.0423% | 3,783 |
| Retained earnings to average equity (ytd only) | 7.0423% | 2,100 |
| Net charge-offs to loans | 0.0061% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 370.1575% | 122 |
| Efficiency ratio | 61.5345% | 5,225 |
| Assets per employee ($millions) | 8.8644% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,421 |
| Loan loss allowance to noncurrent loans | 320.5056% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 6,415 |
| Noncurrent loans to loans | 0.2756% | 5,936 |
| Net loans and leases to total assets | 43.7732% | 5,987 |
| Net loans and leases to deposits | 51.6904% | 5,997 |
| Net loans and leases to core deposits | 53.2095% | 6,102 |
| Total domestic deposits to total assets | 84.6833% | 3,899 |
| Equity capital to assets | 11.1263% | 3,122 |
| Core capital (leverage) ratio | 11.0736% | 2,320 |
| Tier 1 risk-based capital ratio | 29.7104% | 546 |
| Total risk-based capital ratio | 30.7570% | 546 |
| Memoranda: | ||
| Average total assets | $295,466,000 | 2,188 |
| Average earning assets | $282,114,750 | 2,110 |
| Average equity | $31,731,250 | 2,175 |
| Average total loans | $131,823,000 | 2,878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 6,764 |
| Cost of funding earning assets | 0.8613% | 2,717 |
| Net interest margin | 2.5005% | 6,890 |
| Noninterest income to average assets | 0.2449% | 5,820 |
| Noninterest expense to average assets | 1.5962% | 6,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7747% | 3,491 |
| Return on assets (ROA) | 0.7752% | 3,757 |
| Pretax return on assets | 1.0369% | 3,572 |
| Return on Equity (ROE) | 7.3047% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.3047% | 1,952 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6356% | 5,480 |
| Assets per employee ($millions) | 9.0209% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 6,561 |
| Loan loss allowance to noncurrent loans | 258.9165% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 6,414 |
| Noncurrent loans to loans | 0.3299% | 5,890 |
| Net loans and leases to total assets | 44.7287% | 5,948 |
| Net loans and leases to deposits | 52.9050% | 5,963 |
| Net loans and leases to core deposits | 54.3187% | 6,069 |
| Total domestic deposits to total assets | 84.5453% | 4,081 |
| Equity capital to assets | 10.7568% | 3,386 |
| Core capital (leverage) ratio | 10.7103% | 2,582 |
| Tier 1 risk-based capital ratio | 28.4929% | 613 |
| Total risk-based capital ratio | 29.5184% | 612 |
| Memoranda: | ||
| Average total assets | $296,446,670 | 2,177 |
| Average earning assets | $283,063,330 | 2,106 |
| Average equity | $31,459,330 | 2,174 |
| Average total loans | $132,701,330 | 2,877 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 6,766 |
| Cost of funding earning assets | 0.8843% | 2,802 |
| Net interest margin | 2.5552% | 6,913 |
| Noninterest income to average assets | 0.2529% | 5,830 |
| Noninterest expense to average assets | 1.6402% | 6,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7846% | 3,447 |
| Return on assets (ROA) | 0.7856% | 3,681 |
| Pretax return on assets | 1.0520% | 3,498 |
| Return on Equity (ROE) | 7.4540% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.4540% | 2,198 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9548% | 5,464 |
| Assets per employee ($millions) | 8.4705% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 6,604 |
| Loan loss allowance to noncurrent loans | 1,662.3188% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,849 |
| Noncurrent loans to loans | 0.0525% | 6,623 |
| Net loans and leases to total assets | 43.9467% | 6,018 |
| Net loans and leases to deposits | 51.7209% | 5,997 |
| Net loans and leases to core deposits | 52.9898% | 6,129 |
| Total domestic deposits to total assets | 84.9689% | 4,059 |
| Equity capital to assets | 10.6144% | 3,365 |
| Core capital (leverage) ratio | 10.5570% | 2,689 |
| Tier 1 risk-based capital ratio | 28.4838% | 606 |
| Total risk-based capital ratio | 29.5277% | 608 |
| Memoranda: | ||
| Average total assets | $295,825,000 | 2,193 |
| Average earning assets | $282,245,000 | 2,117 |
| Average equity | $31,178,000 | 2,194 |
| Average total loans | $131,902,000 | 2,912 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 6,818 |
| Cost of funding earning assets | 1.0824% | 2,790 |
| Net interest margin | 2.6425% | 6,977 |
| Noninterest income to average assets | 0.2344% | 5,861 |
| Noninterest expense to average assets | 1.6956% | 7,059 |
| Loan and lease loss provision to assets | 0.0103% | 6,404 |
| Net operating income to assets | 0.7825% | 3,124 |
| Return on assets (ROA) | 0.8173% | 3,130 |
| Pretax return on assets | 1.0986% | 2,841 |
| Return on Equity (ROE) | 8.0571% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,059 |
| Net charge-offs to loans | 0.0007% | 6,438 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 3,099.0000% | 3 |
| Efficiency ratio | 61.4888% | 5,536 |
| Assets per employee ($millions) | 8.9450% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 6,611 |
| Loan loss allowance to noncurrent loans | 259.5023% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,573 |
| Noncurrent loans to loans | 0.3339% | 6,061 |
| Net loans and leases to total assets | 44.4546% | 6,167 |
| Net loans and leases to deposits | 52.6852% | 6,156 |
| Net loans and leases to core deposits | 54.0157% | 6,305 |
| Total domestic deposits to total assets | 84.3779% | 4,151 |
| Equity capital to assets | 10.4640% | 3,573 |
| Core capital (leverage) ratio | 10.4162% | 2,828 |
| Tier 1 risk-based capital ratio | 27.3077% | 689 |
| Total risk-based capital ratio | 28.3275% | 678 |
| Memoranda: | ||
| Average total assets | $291,818,600 | 2,185 |
| Average earning assets | $278,641,800 | 2,108 |
| Average equity | $29,601,200 | 2,221 |
| Average total loans | $137,150,200 | 2,853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 6,861 |
| Cost of funding earning assets | 1.1098% | 2,914 |
| Net interest margin | 2.6741% | 7,011 |
| Noninterest income to average assets | 0.2378% | 5,925 |
| Noninterest expense to average assets | 1.6702% | 7,124 |
| Loan and lease loss provision to assets | 0.0137% | 6,261 |
| Net operating income to assets | 0.8150% | 3,080 |
| Return on assets (ROA) | 0.8564% | 3,069 |
| Pretax return on assets | 1.1625% | 2,777 |
| Return on Equity (ROE) | 8.5109% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.5109% | 1,310 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8522% | 5,748 |
| Assets per employee ($millions) | 8.6457% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,715 |
| Loan loss allowance to noncurrent loans | 194.7368% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 6,561 |
| Noncurrent loans to loans | 0.4384% | 5,965 |
| Net loans and leases to total assets | 45.3119% | 6,210 |
| Net loans and leases to deposits | 53.6160% | 6,243 |
| Net loans and leases to core deposits | 54.9128% | 6,398 |
| Total domestic deposits to total assets | 84.5119% | 4,002 |
| Equity capital to assets | 10.3384% | 3,911 |
| Core capital (leverage) ratio | 10.2855% | 3,099 |
| Tier 1 risk-based capital ratio | 27.1163% | 724 |
| Total risk-based capital ratio | 28.1461% | 733 |
| Memoranda: | ||
| Average total assets | $290,977,250 | 2,202 |
| Average earning assets | $277,766,500 | 2,124 |
| Average equity | $29,279,500 | 2,247 |
| Average total loans | $138,345,250 | 2,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 6,882 |
| Cost of funding earning assets | 1.1278% | 3,048 |
| Net interest margin | 2.7074% | 7,020 |
| Noninterest income to average assets | 0.2241% | 6,068 |
| Noninterest expense to average assets | 1.7166% | 7,164 |
| Loan and lease loss provision to assets | 0.0207% | 6,031 |
| Net operating income to assets | 0.7881% | 3,127 |
| Return on assets (ROA) | 0.8504% | 2,953 |
| Pretax return on assets | 1.1539% | 2,659 |
| Return on Equity (ROE) | 8.5301% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.5301% | 1,255 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1548% | 5,705 |
| Assets per employee ($millions) | 9.2318% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,818 |
| Loan loss allowance to noncurrent loans | 186.9707% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 6,591 |
| Noncurrent loans to loans | 0.4434% | 6,022 |
| Net loans and leases to total assets | 46.4853% | 6,218 |
| Net loans and leases to deposits | 54.9346% | 6,231 |
| Net loans and leases to core deposits | 55.9909% | 6,414 |
| Total domestic deposits to total assets | 84.6194% | 4,063 |
| Equity capital to assets | 9.9991% | 4,156 |
| Core capital (leverage) ratio | 9.9430% | 3,332 |
| Tier 1 risk-based capital ratio | 25.9488% | 819 |
| Total risk-based capital ratio | 26.9641% | 817 |
| Memoranda: | ||
| Average total assets | $289,985,000 | 2,218 |
| Average earning assets | $276,652,000 | 2,131 |
| Average equity | $28,909,330 | 2,250 |
| Average total loans | $139,679,330 | 2,852 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 6,893 |
| Cost of funding earning assets | 1.1535% | 3,139 |
| Net interest margin | 2.6924% | 7,024 |
| Noninterest income to average assets | 0.2214% | 6,151 |
| Noninterest expense to average assets | 1.7238% | 7,210 |
| Loan and lease loss provision to assets | 0.0209% | 5,687 |
| Net operating income to assets | 0.7822% | 3,111 |
| Return on assets (ROA) | 0.8020% | 3,090 |
| Pretax return on assets | 1.0708% | 2,869 |
| Return on Equity (ROE) | 8.0575% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.0575% | 1,710 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8073% | 5,710 |
| Assets per employee ($millions) | 8.7803% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,900 |
| Loan loss allowance to noncurrent loans | 172.7134% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2264% | 6,606 |
| Noncurrent loans to loans | 0.4678% | 6,083 |
| Net loans and leases to total assets | 48.0083% | 6,075 |
| Net loans and leases to deposits | 55.8319% | 6,147 |
| Net loans and leases to core deposits | 56.8305% | 6,350 |
| Total domestic deposits to total assets | 85.9872% | 3,534 |
| Equity capital to assets | 9.9676% | 3,817 |
| Core capital (leverage) ratio | 9.9159% | 3,252 |
| Tier 1 risk-based capital ratio | 25.7473% | 808 |
| Total risk-based capital ratio | 26.7638% | 809 |
| Memoranda: | ||
| Average total assets | $287,268,500 | 2,253 |
| Average earning assets | $273,954,500 | 2,170 |
| Average equity | $28,594,500 | 2,262 |
| Average total loans | $140,282,000 | 2,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 6,877 |
| Cost of funding earning assets | 1.4309% | 3,068 |
| Net interest margin | 2.8081% | 7,018 |
| Noninterest income to average assets | 0.2446% | 6,048 |
| Noninterest expense to average assets | 1.7473% | 7,309 |
| Loan and lease loss provision to assets | 0.0313% | 6,823 |
| Net operating income to assets | 0.8290% | 2,675 |
| Return on assets (ROA) | 0.8290% | 2,815 |
| Pretax return on assets | 1.1191% | 2,508 |
| Return on Equity (ROE) | 8.7829% | 2,383 |
| Retained earnings to average equity (ytd only) | 8.7829% | 757 |
| Net charge-offs to loans | 0.0034% | 6,819 |
| Credit loss provision to net charge-offs | 1,800.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 662.2000% | 27 |
| Efficiency ratio | 60.2998% | 6,003 |
| Assets per employee ($millions) | 8.3761% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 6,972 |
| Loan loss allowance to noncurrent loans | 524.8826% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 7,043 |
| Noncurrent loans to loans | 0.1518% | 6,765 |
| Net loans and leases to total assets | 48.8818% | 6,290 |
| Net loans and leases to deposits | 56.8226% | 6,370 |
| Net loans and leases to core deposits | 57.9205% | 6,566 |
| Total domestic deposits to total assets | 86.0253% | 3,347 |
| Equity capital to assets | 9.9401% | 3,826 |
| Core capital (leverage) ratio | 9.8822% | 3,228 |
| Tier 1 risk-based capital ratio | 25.7095% | 784 |
| Total risk-based capital ratio | 26.7321% | 777 |
| Memoranda: | ||
| Average total assets | $287,811,200 | 2,227 |
| Average earning assets | $271,926,600 | 2,170 |
| Average equity | $27,166,400 | 2,363 |
| Average total loans | $148,319,800 | 2,806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 6,937 |
| Cost of funding earning assets | 1.4779% | 3,102 |
| Net interest margin | 2.8445% | 7,089 |
| Noninterest income to average assets | 0.2472% | 6,125 |
| Noninterest expense to average assets | 1.7026% | 7,434 |
| Loan and lease loss provision to assets | 0.0347% | 6,733 |
| Net operating income to assets | 0.8746% | 2,714 |
| Return on assets (ROA) | 0.8746% | 2,848 |
| Pretax return on assets | 1.1911% | 2,523 |
| Return on Equity (ROE) | 9.3893% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.3893% | 934 |
| Net charge-offs to loans | 0.0044% | 6,609 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 530.3208% | 57 |
| Efficiency ratio | 58.1414% | 6,250 |
| Assets per employee ($millions) | 8.2541% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7338% | 7,142 |
| Loan loss allowance to noncurrent loans | 629.1429% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 7,193 |
| Noncurrent loans to loans | 0.1166% | 6,952 |
| Net loans and leases to total assets | 51.5577% | 6,151 |
| Net loans and leases to deposits | 60.7182% | 6,251 |
| Net loans and leases to core deposits | 61.7091% | 6,488 |
| Total domestic deposits to total assets | 84.9130% | 3,657 |
| Equity capital to assets | 9.6316% | 4,649 |
| Core capital (leverage) ratio | 9.5701% | 3,807 |
| Tier 1 risk-based capital ratio | 24.1691% | 931 |
| Total risk-based capital ratio | 25.1328% | 933 |
| Memoranda: | ||
| Average total assets | $288,567,250 | 2,256 |
| Average earning assets | $272,008,250 | 2,197 |
| Average equity | $26,881,000 | 2,425 |
| Average total loans | $150,318,000 | 2,807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 6,938 |
| Cost of funding earning assets | 1.5289% | 3,081 |
| Net interest margin | 2.8511% | 7,080 |
| Noninterest income to average assets | 0.2281% | 6,280 |
| Noninterest expense to average assets | 1.6862% | 7,509 |
| Loan and lease loss provision to assets | 0.0416% | 6,556 |
| Net operating income to assets | 0.8667% | 2,671 |
| Return on assets (ROA) | 0.8667% | 2,805 |
| Pretax return on assets | 1.1780% | 2,484 |
| Return on Equity (ROE) | 9.4104% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.4104% | 983 |
| Net charge-offs to loans | 0.0013% | 6,365 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,759.0000% | 6 |
| Efficiency ratio | 58.0291% | 6,370 |
| Assets per employee ($millions) | 8.9549% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 7,209 |
| Loan loss allowance to noncurrent loans | 436.0000% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 7,180 |
| Noncurrent loans to loans | 0.1646% | 6,933 |
| Net loans and leases to total assets | 51.0284% | 6,302 |
| Net loans and leases to deposits | 60.6430% | 6,350 |
| Net loans and leases to core deposits | 61.6091% | 6,580 |
| Total domestic deposits to total assets | 84.1455% | 4,041 |
| Equity capital to assets | 9.2118% | 5,129 |
| Core capital (leverage) ratio | 9.1406% | 4,390 |
| Tier 1 risk-based capital ratio | 23.4911% | 995 |
| Total risk-based capital ratio | 24.4404% | 1,016 |
| Memoranda: | ||
| Average total assets | $288,459,000 | 2,273 |
| Average earning assets | $270,917,330 | 2,222 |
| Average equity | $26,566,330 | 2,442 |
| Average total loans | $150,408,330 | 2,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 6,821 |
| Cost of funding earning assets | 1.6019% | 2,950 |
| Net interest margin | 2.8813% | 7,046 |
| Noninterest income to average assets | 0.2218% | 6,380 |
| Noninterest expense to average assets | 1.6748% | 7,596 |
| Loan and lease loss provision to assets | 0.0421% | 6,254 |
| Net operating income to assets | 0.8774% | 2,644 |
| Return on assets (ROA) | 0.8774% | 2,721 |
| Pretax return on assets | 1.1891% | 2,396 |
| Return on Equity (ROE) | 9.5280% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.5280% | 1,264 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6329% | 6,543 |
| Assets per employee ($millions) | 8.7242% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 7,317 |
| Loan loss allowance to noncurrent loans | 433.0612% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 7,278 |
| Noncurrent loans to loans | 0.1644% | 7,007 |
| Net loans and leases to total assets | 51.3932% | 6,334 |
| Net loans and leases to deposits | 60.9570% | 6,369 |
| Net loans and leases to core deposits | 61.9571% | 6,606 |
| Total domestic deposits to total assets | 84.3105% | 3,991 |
| Equity capital to assets | 9.2251% | 4,956 |
| Core capital (leverage) ratio | 9.1669% | 4,272 |
| Tier 1 risk-based capital ratio | 23.6321% | 999 |
| Total risk-based capital ratio | 24.5833% | 1,009 |
| Memoranda: | ||
| Average total assets | $284,932,500 | 2,349 |
| Average earning assets | $265,433,000 | 2,312 |
| Average equity | $26,238,500 | 2,497 |
| Average total loans | $149,670,000 | 2,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 6,673 |
| Cost of funding earning assets | 2.0715% | 2,619 |
| Net interest margin | 2.8450% | 6,982 |
| Noninterest income to average assets | 0.2572% | 6,272 |
| Noninterest expense to average assets | 1.8096% | 7,596 |
| Loan and lease loss provision to assets | 0.0560% | 7,004 |
| Net operating income to assets | 0.7947% | 2,554 |
| Return on assets (ROA) | 0.7947% | 2,644 |
| Pretax return on assets | 1.0332% | 2,485 |
| Return on Equity (ROE) | 8.5952% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.5952% | 568 |
| Net charge-offs to loans | 0.0371% | 6,749 |
| Credit loss provision to net charge-offs | 267.8571% | 1,303 |
| Earnings coverage of net charge-offs (x) | 52.1071% | 500 |
| Efficiency ratio | 62.4260% | 6,069 |
| Assets per employee ($millions) | 8.0561% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 7,404 |
| Loan loss allowance to noncurrent loans | 912.3894% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,412 |
| Noncurrent loans to loans | 0.0752% | 7,229 |
| Net loans and leases to total assets | 52.9452% | 6,312 |
| Net loans and leases to deposits | 62.5684% | 6,401 |
| Net loans and leases to core deposits | 74.5391% | 6,502 |
| Total domestic deposits to total assets | 84.6197% | 3,749 |
| Equity capital to assets | 9.1919% | 4,852 |
| Core capital (leverage) ratio | 9.1376% | 4,216 |
| Tier 1 risk-based capital ratio | 22.5033% | 1,089 |
| Total risk-based capital ratio | 23.4048% | 1,108 |
| Memoranda: | ||
| Average total assets | $267,905,600 | 2,443 |
| Average earning assets | $248,753,800 | 2,416 |
| Average equity | $24,769,600 | 2,635 |
| Average total loans | $150,959,600 | 2,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 6,747 |
| Cost of funding earning assets | 2.1517% | 2,640 |
| Net interest margin | 2.8043% | 7,053 |
| Noninterest income to average assets | 0.2632% | 6,349 |
| Noninterest expense to average assets | 1.8240% | 7,640 |
| Loan and lease loss provision to assets | 0.0530% | 6,849 |
| Net operating income to assets | 0.7655% | 2,960 |
| Return on assets (ROA) | 0.7655% | 3,024 |
| Pretax return on assets | 1.0081% | 2,881 |
| Return on Equity (ROE) | 8.2669% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.2669% | 1,056 |
| Net charge-offs to loans | 0.0441% | 6,290 |
| Credit loss provision to net charge-offs | 210.0000% | 2,097 |
| Earnings coverage of net charge-offs (x) | 42.0768% | 721 |
| Efficiency ratio | 63.2232% | 5,885 |
| Assets per employee ($millions) | 7.6248% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 7,418 |
| Loan loss allowance to noncurrent loans | 111.0497% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,656 |
| Noncurrent loans to loans | 0.6108% | 6,084 |
| Net loans and leases to total assets | 53.6112% | 6,434 |
| Net loans and leases to deposits | 63.5698% | 6,536 |
| Net loans and leases to core deposits | 75.7431% | 6,633 |
| Total domestic deposits to total assets | 84.3344% | 3,559 |
| Equity capital to assets | 9.2356% | 5,109 |
| Core capital (leverage) ratio | 9.1713% | 4,376 |
| Tier 1 risk-based capital ratio | 22.2635% | 1,194 |
| Total risk-based capital ratio | 23.1535% | 1,212 |
| Memoranda: | ||
| Average total assets | $264,390,750 | 2,487 |
| Average earning assets | $247,183,500 | 2,447 |
| Average equity | $24,482,500 | 2,693 |
| Average total loans | $151,120,000 | 2,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 6,723 |
| Cost of funding earning assets | 2.2254% | 2,681 |
| Net interest margin | 2.7877% | 7,036 |
| Noninterest income to average assets | 0.2513% | 6,488 |
| Noninterest expense to average assets | 1.8964% | 7,625 |
| Loan and lease loss provision to assets | 0.0230% | 7,006 |
| Net operating income to assets | 0.7385% | 3,101 |
| Return on assets (ROA) | 0.7379% | 3,205 |
| Pretax return on assets | 0.9486% | 3,184 |
| Return on Equity (ROE) | 7.9610% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.9610% | 1,223 |
| Net charge-offs to loans | 0.0644% | 5,600 |
| Credit loss provision to net charge-offs | 61.2245% | 5,573 |
| Earnings coverage of net charge-offs (x) | 25.8980% | 1,106 |
| Efficiency ratio | 66.1058% | 5,531 |
| Assets per employee ($millions) | 7.2295% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 7,583 |
| Loan loss allowance to noncurrent loans | 168.6594% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 6,991 |
| Noncurrent loans to loans | 0.3721% | 6,581 |
| Net loans and leases to total assets | 55.1050% | 6,326 |
| Net loans and leases to deposits | 65.3898% | 6,447 |
| Net loans and leases to core deposits | 77.6494% | 6,565 |
| Total domestic deposits to total assets | 84.2716% | 3,615 |
| Equity capital to assets | 9.2216% | 4,976 |
| Core capital (leverage) ratio | 9.1858% | 4,324 |
| Tier 1 risk-based capital ratio | 21.6903% | 1,300 |
| Total risk-based capital ratio | 22.5128% | 1,321 |
| Memoranda: | ||
| Average total assets | $261,023,330 | 2,532 |
| Average earning assets | $245,079,000 | 2,474 |
| Average equity | $24,193,000 | 2,730 |
| Average total loans | $152,105,330 | 2,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 6,604 |
| Cost of funding earning assets | 2.3044% | 2,679 |
| Net interest margin | 2.8102% | 6,972 |
| Noninterest income to average assets | 0.2560% | 6,407 |
| Noninterest expense to average assets | 1.8744% | 7,599 |
| Loan and lease loss provision to assets | 0.0233% | 6,612 |
| Net operating income to assets | 0.7801% | 3,213 |
| Return on assets (ROA) | 0.7789% | 3,386 |
| Pretax return on assets | 1.0381% | 3,210 |
| Return on Equity (ROE) | 8.3820% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.3820% | 1,669 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8141% | 5,726 |
| Assets per employee ($millions) | 7.4118% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 7,598 |
| Loan loss allowance to noncurrent loans | 1,531.7460% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 7,555 |
| Noncurrent loans to loans | 0.0414% | 7,424 |
| Net loans and leases to total assets | 58.3313% | 5,888 |
| Net loans and leases to deposits | 69.4771% | 6,029 |
| Net loans and leases to core deposits | 82.5126% | 6,192 |
| Total domestic deposits to total assets | 83.9576% | 3,732 |
| Equity capital to assets | 9.3403% | 4,873 |
| Core capital (leverage) ratio | 9.2957% | 4,253 |
| Tier 1 risk-based capital ratio | 21.6818% | 1,341 |
| Total risk-based capital ratio | 22.5503% | 1,373 |
| Memoranda: | ||
| Average total assets | $257,789,500 | 2,567 |
| Average earning assets | $245,961,500 | 2,487 |
| Average equity | $23,956,000 | 2,772 |
| Average total loans | $153,992,000 | 2,940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 7,581 |
| Cost of funding earning assets | 2.8677% | 2,404 |
| Net interest margin | 2.4481% | 7,809 |
| Noninterest income to average assets | 0.2594% | 6,596 |
| Noninterest expense to average assets | 1.7326% | 7,832 |
| Loan and lease loss provision to assets | 0.5414% | 2,660 |
| Net operating income to assets | 0.3075% | 5,516 |
| Return on assets (ROA) | 0.3093% | 5,326 |
| Pretax return on assets | 0.3358% | 5,428 |
| Return on Equity (ROE) | 3.4519% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.4519% | 2,993 |
| Net charge-offs to loans | 0.0258% | 6,474 |
| Credit loss provision to net charge-offs | 3,558.9744% | 141 |
| Earnings coverage of net charge-offs (x) | 57.5385% | 691 |
| Efficiency ratio | 66.4373% | 5,033 |
| Assets per employee ($millions) | 7.1157% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 7,660 |
| Loan loss allowance to noncurrent loans | 233.9901% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 6,939 |
| Noncurrent loans to loans | 0.2608% | 6,596 |
| Net loans and leases to total assets | 60.4100% | 5,848 |
| Net loans and leases to deposits | 71.8357% | 6,075 |
| Net loans and leases to core deposits | 85.8544% | 6,144 |
| Total domestic deposits to total assets | 84.0947% | 3,280 |
| Equity capital to assets | 9.2448% | 5,010 |
| Core capital (leverage) ratio | 9.2149% | 4,419 |
| Tier 1 risk-based capital ratio | 21.2798% | 1,419 |
| Total risk-based capital ratio | 22.1367% | 1,442 |
| Memoranda: | ||
| Average total assets | $256,381,000 | 2,497 |
| Average earning assets | $245,943,000 | 2,401 |
| Average equity | $22,972,600 | 2,852 |
| Average total loans | $151,228,200 | 2,905 |