Home > Community First Bank, Inc. > Performance and Condition Ratios
Community First Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 1,951 |
| Cost of funding earning assets | 1.4924% | 1,966 |
| Net interest margin | 3.5681% | 2,027 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.9660% | 1,170 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6901% | 3,219 |
| Return on assets (ROA) | 0.6910% | 3,192 |
| Pretax return on assets | 0.9066% | 2,948 |
| Return on Equity (ROE) | 8.1400% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.7155% | 1,624 |
| Net charge-offs to loans | 0.0059% | 2,483 |
| Credit loss provision to net charge-offs | 923.3333% | 436 |
| Earnings coverage of net charge-offs (x) | 215.0333% | 562 |
| Efficiency ratio | 75.4034% | 1,308 |
| Assets per employee ($millions) | 5.6494% | 3,115 |
| Cash dividends to net income (ytd only)* | 5.1907% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,359 |
| Loan loss allowance to noncurrent loans | 1,245.2869% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,087 |
| Noncurrent loans to loans | 0.0955% | 3,066 |
| Net loans and leases to total assets | 73.8700% | 1,382 |
| Net loans and leases to deposits | 87.1226% | 1,525 |
| Net loans and leases to core deposits | 98.6324% | 1,513 |
| Total domestic deposits to total assets | 84.7800% | 2,384 |
| Equity capital to assets | 9.0032% | 2,673 |
| Core capital (leverage) ratio | 10.0774% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $683,073,000 | 1,327 |
| Average earning assets | $639,102,400 | 1,311 |
| Average equity | $58,000,400 | 1,424 |
| Average total loans | $505,795,600 | 1,223 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 1,995 |
| Cost of funding earning assets | 1.3178% | 2,103 |
| Net interest margin | 3.6136% | 1,967 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.9613% | 1,124 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7182% | 3,268 |
| Return on assets (ROA) | 0.7179% | 3,251 |
| Pretax return on assets | 0.9430% | 2,996 |
| Return on Equity (ROE) | 8.5900% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.1119% | 1,921 |
| Net charge-offs to loans | 0.0196% | 1,732 |
| Credit loss provision to net charge-offs | 475.6757% | 662 |
| Earnings coverage of net charge-offs (x) | 69.8919% | 1,114 |
| Efficiency ratio | 74.1285% | 1,348 |
| Assets per employee ($millions) | 5.5763% | 3,120 |
| Cash dividends to net income (ytd only)* | 5.6024% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 2,487 |
| Loan loss allowance to noncurrent loans | 1,264.3892% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,150 |
| Noncurrent loans to loans | 0.0931% | 3,108 |
| Net loans and leases to total assets | 72.9500% | 1,471 |
| Net loans and leases to deposits | 85.0925% | 1,646 |
| Net loans and leases to core deposits | 95.7768% | 1,564 |
| Total domestic deposits to total assets | 85.7300% | 2,275 |
| Equity capital to assets | 8.0868% | 2,995 |
| Core capital (leverage) ratio | 9.8858% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $682,882,750 | 1,332 |
| Average earning assets | $639,020,750 | 1,312 |
| Average equity | $57,050,750 | 1,433 |
| Average total loans | $504,493,750 | 1,218 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 2,010 |
| Cost of funding earning assets | 1.0963% | 2,287 |
| Net interest margin | 3.6960% | 1,823 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.9966% | 1,052 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7660% | 3,174 |
| Return on assets (ROA) | 0.7662% | 3,190 |
| Pretax return on assets | 1.0081% | 2,891 |
| Return on Equity (ROE) | 9.0700% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.7943% | 1,734 |
| Net charge-offs to loans | -0.0196% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.1943% | 1,439 |
| Assets per employee ($millions) | 5.2282% | 3,381 |
| Cash dividends to net income (ytd only)* | 3.0490% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,490 |
| Loan loss allowance to noncurrent loans | 1,940.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,317 |
| Noncurrent loans to loans | 0.0613% | 3,262 |
| Net loans and leases to total assets | 72.9800% | 1,414 |
| Net loans and leases to deposits | 85.3293% | 1,559 |
| Net loans and leases to core deposits | 95.3267% | 1,508 |
| Total domestic deposits to total assets | 85.5300% | 2,383 |
| Equity capital to assets | 8.3646% | 2,978 |
| Core capital (leverage) ratio | 10.1224% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $676,304,333 | 1,337 |
| Average earning assets | $632,690,000 | 1,320 |
| Average equity | $57,128,000 | 1,436 |
| Average total loans | $499,778,000 | 1,216 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,880 |
| Cost of funding earning assets | 0.9238% | 2,299 |
| Net interest margin | 3.7653% | 1,757 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.0547% | 986 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7194% | 3,421 |
| Return on assets (ROA) | 0.7199% | 3,376 |
| Pretax return on assets | 0.9460% | 3,138 |
| Return on Equity (ROE) | 8.4800% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.2035% | 2,163 |
| Net charge-offs to loans | -0.0243% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.5508% | 1,283 |
| Assets per employee ($millions) | 4.5504% | 3,991 |
| Cash dividends to net income (ytd only)* | 3.2500% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,583 |
| Loan loss allowance to noncurrent loans | 2,130.6050% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,366 |
| Noncurrent loans to loans | 0.0561% | 3,339 |
| Net loans and leases to total assets | 73.5100% | 1,266 |
| Net loans and leases to deposits | 85.0586% | 1,423 |
| Net loans and leases to core deposits | 91.2368% | 1,545 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 8.5813% | 2,830 |
| Core capital (leverage) ratio | 10.0328% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $666,778,000 | 1,369 |
| Average earning assets | $623,056,500 | 1,358 |
| Average equity | $56,610,000 | 1,459 |
| Average total loans | $492,861,000 | 1,241 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 1,389 |
| Cost of funding earning assets | 0.3535% | 2,452 |
| Net interest margin | 3.7815% | 1,197 |
| Noninterest income to average assets | 1.6200% | 317 |
| Noninterest expense to average assets | 3.7786% | 391 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0426% | 2,407 |
| Return on assets (ROA) | 1.0420% | 2,351 |
| Pretax return on assets | 1.3497% | 1,934 |
| Return on Equity (ROE) | 12.3400% | 2,025 |
| Retained earnings to average equity (ytd only) | 12.0623% | 654 |
| Net charge-offs to loans | -0.0204% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.0673% | 1,314 |
| Assets per employee ($millions) | 4.4602% | 4,061 |
| Cash dividends to net income (ytd only)* | 2.2562% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,623 |
| Loan loss allowance to noncurrent loans | 2,330.8333% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,439 |
| Noncurrent loans to loans | 0.0495% | 3,403 |
| Net loans and leases to total assets | 72.5800% | 1,356 |
| Net loans and leases to deposits | 84.1417% | 1,462 |
| Net loans and leases to core deposits | 89.1058% | 1,549 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 8.3970% | 2,774 |
| Core capital (leverage) ratio | 9.9452% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $672,081,400 | 1,344 |
| Average earning assets | $626,837,800 | 1,334 |
| Average equity | $56,747,000 | 1,464 |
| Average total loans | $475,538,600 | 1,219 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 1,318 |
| Cost of funding earning assets | 0.3083% | 2,075 |
| Net interest margin | 3.6666% | 1,227 |
| Noninterest income to average assets | 2.0000% | 268 |
| Noninterest expense to average assets | 3.9430% | 338 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1266% | 1,979 |
| Return on assets (ROA) | 1.1262% | 1,949 |
| Pretax return on assets | 1.4675% | 1,505 |
| Return on Equity (ROE) | 13.3200% | 1,605 |
| Retained earnings to average equity (ytd only) | 13.0442% | 606 |
| Net charge-offs to loans | -0.0242% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4341% | 1,458 |
| Assets per employee ($millions) | 4.2947% | 4,177 |
| Cash dividends to net income (ytd only)* | 2.0694% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,756 |
| Loan loss allowance to noncurrent loans | 3,396.9136% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,697 |
| Noncurrent loans to loans | 0.0341% | 3,649 |
| Net loans and leases to total assets | 71.0100% | 1,393 |
| Net loans and leases to deposits | 79.9826% | 1,574 |
| Net loans and leases to core deposits | 83.7763% | 1,669 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 8.1440% | 2,802 |
| Core capital (leverage) ratio | 9.5754% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $675,076,000 | 1,348 |
| Average earning assets | $629,676,750 | 1,339 |
| Average equity | $57,076,500 | 1,475 |
| Average total loans | $473,254,250 | 1,222 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 1,339 |
| Cost of funding earning assets | 0.3143% | 1,581 |
| Net interest margin | 3.4749% | 1,381 |
| Noninterest income to average assets | 2.7521% | 167 |
| Noninterest expense to average assets | 4.3085% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2963% | 1,144 |
| Return on assets (ROA) | 1.2954% | 1,130 |
| Pretax return on assets | 1.6827% | 784 |
| Return on Equity (ROE) | 15.1408% | 866 |
| Retained earnings to average equity (ytd only) | 14.8691% | 276 |
| Net charge-offs to loans | -0.0495% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6496% | 1,761 |
| Assets per employee ($millions) | 4.2497% | 4,241 |
| Cash dividends to net income (ytd only)* | 1.7946% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,841 |
| Loan loss allowance to noncurrent loans | 1,514.9171% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,300 |
| Noncurrent loans to loans | 0.0773% | 3,398 |
| Net loans and leases to total assets | 68.9174% | 1,406 |
| Net loans and leases to deposits | 77.8394% | 1,552 |
| Net loans and leases to core deposits | 81.6387% | 1,614 |
| Total domestic deposits to total assets | 88.5379% | 2,367 |
| Equity capital to assets | 8.4576% | 2,792 |
| Core capital (leverage) ratio | 9.1272% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $679,637,667 | 1,348 |
| Average earning assets | $633,753,000 | 1,347 |
| Average equity | $58,147,333 | 1,477 |
| Average total loans | $472,628,667 | 1,220 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 1,283 |
| Cost of funding earning assets | 0.3267% | 1,402 |
| Net interest margin | 3.3685% | 1,375 |
| Noninterest income to average assets | 2.0090% | 237 |
| Noninterest expense to average assets | 4.2081% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7676% | 2,786 |
| Return on assets (ROA) | 0.7676% | 2,775 |
| Pretax return on assets | 0.9378% | 2,640 |
| Return on Equity (ROE) | 8.9211% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.6559% | 1,384 |
| Net charge-offs to loans | -0.1070% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5371% | 1,022 |
| Assets per employee ($millions) | 3.2639% | 4,613 |
| Cash dividends to net income (ytd only)* | 2.9726% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,028 |
| Loan loss allowance to noncurrent loans | 769.4678% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,702 |
| Noncurrent loans to loans | 0.1513% | 3,046 |
| Net loans and leases to total assets | 67.0687% | 1,303 |
| Net loans and leases to deposits | 78.1299% | 1,276 |
| Net loans and leases to core deposits | 82.0543% | 1,346 |
| Total domestic deposits to total assets | 85.8425% | 3,311 |
| Equity capital to assets | 8.2119% | 3,389 |
| Core capital (leverage) ratio | 8.9293% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $683,733,500 | 1,348 |
| Average earning assets | $636,722,000 | 1,350 |
| Average equity | $58,827,000 | 1,510 |
| Average total loans | $474,829,500 | 1,209 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 1,712 |
| Cost of funding earning assets | 0.4255% | 1,355 |
| Net interest margin | 3.4409% | 1,904 |
| Noninterest income to average assets | 2.0911% | 294 |
| Noninterest expense to average assets | 4.3995% | 224 |
| Loan and lease loss provision to assets | 0.0486% | 2,085 |
| Net operating income to assets | 0.6358% | 3,786 |
| Return on assets (ROA) | 0.6528% | 3,801 |
| Pretax return on assets | 0.8592% | 3,599 |
| Return on Equity (ROE) | 7.1692% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,965 |
| Net charge-offs to loans | -0.0546% | 4,361 |
| Credit loss provision to net charge-offs | -122.4000% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9943% | 622 |
| Assets per employee ($millions) | 3.1562% | 4,661 |
| Cash dividends to net income (ytd only)* | 3.8443% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,262 |
| Loan loss allowance to noncurrent loans | 992.0518% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,967 |
| Noncurrent loans to loans | 0.1132% | 3,359 |
| Net loans and leases to total assets | 70.2900% | 1,015 |
| Net loans and leases to deposits | 83.5697% | 940 |
| Net loans and leases to core deposits | 88.0103% | 1,078 |
| Total domestic deposits to total assets | 84.1094% | 3,530 |
| Equity capital to assets | 9.0091% | 3,611 |
| Core capital (leverage) ratio | 8.7727% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $629,575,600 | 1,396 |
| Average earning assets | $584,497,200 | 1,403 |
| Average equity | $57,328,400 | 1,572 |
| Average total loans | $457,545,800 | 1,248 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 1,853 |
| Cost of funding earning assets | 0.4402% | 1,418 |
| Net interest margin | 3.4306% | 2,072 |
| Noninterest income to average assets | 2.0082% | 352 |
| Noninterest expense to average assets | 4.2980% | 241 |
| Loan and lease loss provision to assets | 0.0659% | 1,675 |
| Net operating income to assets | 0.6270% | 3,960 |
| Return on assets (ROA) | 0.6502% | 3,951 |
| Pretax return on assets | 0.8568% | 3,780 |
| Return on Equity (ROE) | 7.1195% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.8412% | 2,479 |
| Net charge-offs to loans | -0.0112% | 3,718 |
| Credit loss provision to net charge-offs | -805.2632% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5587% | 606 |
| Assets per employee ($millions) | 3.0000% | 4,755 |
| Cash dividends to net income (ytd only)* | 3.9099% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,480 |
| Loan loss allowance to noncurrent loans | 791.8587% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,939 |
| Noncurrent loans to loans | 0.1378% | 3,422 |
| Net loans and leases to total assets | 70.4786% | 1,038 |
| Net loans and leases to deposits | 84.0243% | 962 |
| Net loans and leases to core deposits | 88.4542% | 1,126 |
| Total domestic deposits to total assets | 83.8788% | 3,489 |
| Equity capital to assets | 9.0429% | 3,790 |
| Core capital (leverage) ratio | 8.9356% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,903,250 | 1,432 |
| Average earning assets | $574,272,750 | 1,438 |
| Average equity | $56,519,250 | 1,610 |
| Average total loans | $452,456,750 | 1,279 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 1,975 |
| Cost of funding earning assets | 0.4874% | 1,278 |
| Net interest margin | 3.3502% | 2,298 |
| Noninterest income to average assets | 1.7428% | 411 |
| Noninterest expense to average assets | 4.2016% | 247 |
| Loan and lease loss provision to assets | 0.0847% | 1,446 |
| Net operating income to assets | 0.4271% | 4,333 |
| Return on assets (ROA) | 0.4647% | 4,323 |
| Pretax return on assets | 0.6124% | 4,210 |
| Return on Equity (ROE) | 5.0709% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,265 |
| Net charge-offs to loans | -0.0058% | 3,480 |
| Credit loss provision to net charge-offs | -1,969.2308% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3937% | 457 |
| Assets per employee ($millions) | 3.2397% | 4,741 |
| Cash dividends to net income (ytd only)* | 5.6268% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,458 |
| Loan loss allowance to noncurrent loans | 725.7143% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,959 |
| Noncurrent loans to loans | 0.1504% | 3,448 |
| Net loans and leases to total assets | 72.1167% | 952 |
| Net loans and leases to deposits | 85.7539% | 929 |
| Net loans and leases to core deposits | 90.5224% | 1,106 |
| Total domestic deposits to total assets | 84.0973% | 3,402 |
| Equity capital to assets | 9.2124% | 3,596 |
| Core capital (leverage) ratio | 8.7924% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,205,333 | 1,448 |
| Average earning assets | $560,568,333 | 1,458 |
| Average equity | $55,374,333 | 1,633 |
| Average total loans | $445,800,333 | 1,300 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 2,203 |
| Cost of funding earning assets | 0.5016% | 1,388 |
| Net interest margin | 3.2636% | 2,500 |
| Noninterest income to average assets | 2.0102% | 372 |
| Noninterest expense to average assets | 4.2452% | 241 |
| Loan and lease loss provision to assets | 0.0886% | 1,490 |
| Net operating income to assets | 0.5221% | 4,133 |
| Return on assets (ROA) | 0.5204% | 4,174 |
| Pretax return on assets | 0.7016% | 4,013 |
| Return on Equity (ROE) | 5.6947% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.4040% | 3,093 |
| Net charge-offs to loans | -0.0018% | 3,122 |
| Credit loss provision to net charge-offs | -6,500.0000% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1785% | 588 |
| Assets per employee ($millions) | 3.2848% | 4,763 |
| Cash dividends to net income (ytd only)* | 5.1047% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,501 |
| Loan loss allowance to noncurrent loans | 530.3648% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 2,957 |
| Noncurrent loans to loans | 0.2049% | 3,374 |
| Net loans and leases to total assets | 71.3430% | 1,110 |
| Net loans and leases to deposits | 84.9433% | 1,053 |
| Net loans and leases to core deposits | 88.8525% | 1,300 |
| Total domestic deposits to total assets | 83.9889% | 3,437 |
| Equity capital to assets | 9.2097% | 3,488 |
| Core capital (leverage) ratio | 9.6953% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $587,199,500 | 1,476 |
| Average earning assets | $544,681,000 | 1,489 |
| Average equity | $53,664,000 | 1,664 |
| Average total loans | $436,030,000 | 1,315 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 1,856 |
| Cost of funding earning assets | 0.7170% | 1,637 |
| Net interest margin | 3.5879% | 2,175 |
| Noninterest income to average assets | 1.3907% | 604 |
| Noninterest expense to average assets | 3.9351% | 403 |
| Loan and lease loss provision to assets | 0.2271% | 1,718 |
| Net operating income to assets | 0.4187% | 4,210 |
| Return on assets (ROA) | 0.4181% | 4,288 |
| Pretax return on assets | 0.5366% | 4,207 |
| Return on Equity (ROE) | 4.2283% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.9005% | 2,875 |
| Net charge-offs to loans | 0.0077% | 3,056 |
| Credit loss provision to net charge-offs | 3,793.1034% | 276 |
| Earnings coverage of net charge-offs (x) | 127.6897% | 666 |
| Efficiency ratio | 83.6094% | 663 |
| Assets per employee ($millions) | 3.6248% | 4,596 |
| Cash dividends to net income (ytd only)* | 7.7531% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,195 |
| Loan loss allowance to noncurrent loans | 987.8850% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 3,534 |
| Noncurrent loans to loans | 0.1167% | 3,816 |
| Net loans and leases to total assets | 75.8407% | 805 |
| Net loans and leases to deposits | 90.8234% | 863 |
| Net loans and leases to core deposits | 94.4915% | 1,211 |
| Total domestic deposits to total assets | 83.5035% | 3,263 |
| Equity capital to assets | 9.0569% | 4,006 |
| Core capital (leverage) ratio | 8.8065% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,359,000 | 1,596 |
| Average earning assets | $446,698,800 | 1,601 |
| Average equity | $47,891,600 | 1,761 |
| Average total loans | $375,480,600 | 1,429 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 1,953 |
| Cost of funding earning assets | 0.7627% | 1,663 |
| Net interest margin | 3.5974% | 2,280 |
| Noninterest income to average assets | 1.2699% | 676 |
| Noninterest expense to average assets | 3.8382% | 439 |
| Loan and lease loss provision to assets | 0.2443% | 1,664 |
| Net operating income to assets | 0.3880% | 4,289 |
| Return on assets (ROA) | 0.3862% | 4,353 |
| Pretax return on assets | 0.4964% | 4,284 |
| Return on Equity (ROE) | 3.8132% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.4823% | 3,312 |
| Net charge-offs to loans | 0.0044% | 2,997 |
| Credit loss provision to net charge-offs | 7,166.6667% | 164 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 469 |
| Efficiency ratio | 83.6536% | 631 |
| Assets per employee ($millions) | 3.4777% | 4,676 |
| Cash dividends to net income (ytd only)* | 8.6765% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,150 |
| Loan loss allowance to noncurrent loans | 749.6732% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 3,225 |
| Noncurrent loans to loans | 0.1481% | 3,791 |
| Net loans and leases to total assets | 78.8542% | 729 |
| Net loans and leases to deposits | 96.1188% | 751 |
| Net loans and leases to core deposits | 100.0049% | 1,164 |
| Total domestic deposits to total assets | 82.0383% | 3,409 |
| Equity capital to assets | 9.3842% | 3,779 |
| Core capital (leverage) ratio | 9.1591% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,519,750 | 1,622 |
| Average earning assets | $432,156,750 | 1,632 |
| Average equity | $47,553,500 | 1,758 |
| Average total loans | $365,058,500 | 1,457 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 2,130 |
| Cost of funding earning assets | 0.8218% | 1,720 |
| Net interest margin | 3.6067% | 2,462 |
| Noninterest income to average assets | 0.9310% | 1,101 |
| Noninterest expense to average assets | 3.7344% | 545 |
| Loan and lease loss provision to assets | 0.2378% | 1,773 |
| Net operating income to assets | 0.2223% | 4,542 |
| Return on assets (ROA) | 0.2202% | 4,587 |
| Pretax return on assets | 0.2674% | 4,571 |
| Return on Equity (ROE) | 2.1146% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.7798% | 3,840 |
| Net charge-offs to loans | -0.0057% | 4,050 |
| Credit loss provision to net charge-offs | -5,390.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0291% | 452 |
| Assets per employee ($millions) | 3.6075% | 4,598 |
| Cash dividends to net income (ytd only)* | 15.8317% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 2,890 |
| Loan loss allowance to noncurrent loans | 649.8485% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,240 |
| Noncurrent loans to loans | 0.1735% | 3,754 |
| Net loans and leases to total assets | 76.1089% | 1,123 |
| Net loans and leases to deposits | 90.3334% | 1,323 |
| Net loans and leases to core deposits | 93.9866% | 1,738 |
| Total domestic deposits to total assets | 84.2533% | 2,660 |
| Equity capital to assets | 9.6471% | 3,526 |
| Core capital (leverage) ratio | 9.4583% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,300,000 | 1,648 |
| Average earning assets | $416,173,333 | 1,661 |
| Average equity | $47,195,667 | 1,758 |
| Average total loans | $349,013,333 | 1,493 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,669 |
| Cost of funding earning assets | 0.8979% | 1,880 |
| Net interest margin | 3.8170% | 1,912 |
| Noninterest income to average assets | 0.9731% | 906 |
| Noninterest expense to average assets | 3.8490% | 586 |
| Loan and lease loss provision to assets | 0.1811% | 1,648 |
| Net operating income to assets | 0.3517% | 4,240 |
| Return on assets (ROA) | 0.3419% | 4,290 |
| Pretax return on assets | 0.4233% | 4,254 |
| Return on Equity (ROE) | 3.1520% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.8113% | 3,153 |
| Net charge-offs to loans | 0.0072% | 2,314 |
| Credit loss provision to net charge-offs | 3,266.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 111.1667% | 536 |
| Efficiency ratio | 86.1962% | 688 |
| Assets per employee ($millions) | 3.3386% | 4,612 |
| Cash dividends to net income (ytd only)* | 10.8108% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,985 |
| Loan loss allowance to noncurrent loans | 561.4286% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,197 |
| Noncurrent loans to loans | 0.2031% | 3,755 |
| Net loans and leases to total assets | 76.1450% | 1,279 |
| Net loans and leases to deposits | 90.8317% | 1,419 |
| Net loans and leases to core deposits | 94.8050% | 1,903 |
| Total domestic deposits to total assets | 83.8309% | 2,845 |
| Equity capital to assets | 10.6176% | 3,215 |
| Core capital (leverage) ratio | 10.3143% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,835,000 | 1,669 |
| Average earning assets | $396,014,000 | 1,682 |
| Average equity | $46,954,000 | 1,759 |
| Average total loans | $333,299,000 | 1,512 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 2,319 |
| Cost of funding earning assets | 0.8660% | 2,354 |
| Net interest margin | 3.8364% | 2,381 |
| Noninterest income to average assets | 0.6267% | 2,105 |
| Noninterest expense to average assets | 3.7446% | 719 |
| Loan and lease loss provision to assets | 0.0099% | 3,808 |
| Net operating income to assets | 0.2983% | 4,750 |
| Return on assets (ROA) | 0.3026% | 4,774 |
| Pretax return on assets | 0.3838% | 4,740 |
| Return on Equity (ROE) | 2.9841% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.6350% | 4,149 |
| Net charge-offs to loans | -0.0415% | 4,787 |
| Credit loss provision to net charge-offs | -32.2581% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6044% | 332 |
| Assets per employee ($millions) | 3.5751% | 4,399 |
| Cash dividends to net income (ytd only)* | 45.2088% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,634 |
| Loan loss allowance to noncurrent loans | 632.8257% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,202 |
| Noncurrent loans to loans | 0.1835% | 3,796 |
| Net loans and leases to total assets | 76.0885% | 1,394 |
| Net loans and leases to deposits | 89.7190% | 1,627 |
| Net loans and leases to core deposits | 93.9471% | 2,066 |
| Total domestic deposits to total assets | 84.8075% | 2,568 |
| Equity capital to assets | 11.0944% | 2,909 |
| Core capital (leverage) ratio | 10.5637% | 2,888 |
| Tier 1 risk-based capital ratio | 13.1220% | 3,731 |
| Total risk-based capital ratio | 14.2354% | 3,674 |
| Memoranda: | ||
| Average total assets | $403,543,200 | 1,730 |
| Average earning assets | $368,809,200 | 1,752 |
| Average equity | $40,916,600 | 1,892 |
| Average total loans | $298,867,200 | 1,610 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 2,500 |
| Cost of funding earning assets | 0.8477% | 2,480 |
| Net interest margin | 3.8228% | 2,519 |
| Noninterest income to average assets | 0.6192% | 2,110 |
| Noninterest expense to average assets | 3.6376% | 811 |
| Loan and lease loss provision to assets | 0.0133% | 3,636 |
| Net operating income to assets | 0.3685% | 4,774 |
| Return on assets (ROA) | 0.3685% | 4,797 |
| Pretax return on assets | 0.4615% | 4,741 |
| Return on Equity (ROE) | 3.7257% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.9994% | 4,268 |
| Net charge-offs to loans | 0.0036% | 3,283 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 177.9400% | 479 |
| Efficiency ratio | 88.4537% | 374 |
| Assets per employee ($millions) | 3.6831% | 4,297 |
| Cash dividends to net income (ytd only)* | 46.3348% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,728 |
| Loan loss allowance to noncurrent loans | 477.3810% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,321 |
| Noncurrent loans to loans | 0.2426% | 3,671 |
| Net loans and leases to total assets | 73.3472% | 1,937 |
| Net loans and leases to deposits | 86.8995% | 2,078 |
| Net loans and leases to core deposits | 90.9486% | 2,470 |
| Total domestic deposits to total assets | 84.4047% | 2,669 |
| Equity capital to assets | 11.0122% | 3,095 |
| Core capital (leverage) ratio | 10.7153% | 2,925 |
| Tier 1 risk-based capital ratio | 13.3160% | 3,677 |
| Total risk-based capital ratio | 14.4092% | 3,668 |
| Memoranda: | ||
| Average total assets | $399,856,000 | 1,755 |
| Average earning assets | $365,380,000 | 1,777 |
| Average equity | $39,544,000 | 1,963 |
| Average total loans | $293,081,000 | 1,647 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,678 |
| Cost of funding earning assets | 0.8268% | 2,514 |
| Net interest margin | 3.7734% | 2,676 |
| Noninterest income to average assets | 0.6129% | 2,091 |
| Noninterest expense to average assets | 3.6263% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3322% | 4,830 |
| Return on assets (ROA) | 0.3322% | 4,846 |
| Pretax return on assets | 0.4364% | 4,782 |
| Return on Equity (ROE) | 3.5001% | 4,686 |
| Retained earnings to average equity (ytd only) | 0.9648% | 4,445 |
| Net charge-offs to loans | -0.1025% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2575% | 380 |
| Assets per employee ($millions) | 3.5252% | 4,471 |
| Cash dividends to net income (ytd only)* | 72.4349% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,325 |
| Loan loss allowance to noncurrent loans | 722.9126% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 3,535 |
| Noncurrent loans to loans | 0.1709% | 3,938 |
| Net loans and leases to total assets | 73.4093% | 1,984 |
| Net loans and leases to deposits | 85.3263% | 2,335 |
| Net loans and leases to core deposits | 89.2703% | 2,662 |
| Total domestic deposits to total assets | 86.0336% | 2,020 |
| Equity capital to assets | 10.1795% | 3,808 |
| Core capital (leverage) ratio | 9.9114% | 3,689 |
| Tier 1 risk-based capital ratio | 12.3806% | 4,192 |
| Total risk-based capital ratio | 13.5561% | 4,106 |
| Memoranda: | ||
| Average total assets | $393,184,670 | 1,788 |
| Average earning assets | $359,465,000 | 1,806 |
| Average equity | $37,313,000 | 2,045 |
| Average total loans | $286,917,330 | 1,677 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 2,611 |
| Cost of funding earning assets | 0.7982% | 2,549 |
| Net interest margin | 3.7805% | 2,598 |
| Noninterest income to average assets | 0.6159% | 1,970 |
| Noninterest expense to average assets | 3.6520% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3317% | 4,861 |
| Return on assets (ROA) | 0.3317% | 4,871 |
| Pretax return on assets | 0.4196% | 4,812 |
| Return on Equity (ROE) | 3.6337% | 4,654 |
| Retained earnings to average equity (ytd only) | -1.2678% | 4,682 |
| Net charge-offs to loans | -0.0114% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6954% | 406 |
| Assets per employee ($millions) | 3.3829% | 4,673 |
| Cash dividends to net income (ytd only)* | 134.8910% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,200 |
| Loan loss allowance to noncurrent loans | 530.9630% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,317 |
| Noncurrent loans to loans | 0.2406% | 3,712 |
| Net loans and leases to total assets | 70.5797% | 2,393 |
| Net loans and leases to deposits | 81.0637% | 2,718 |
| Net loans and leases to core deposits | 84.6179% | 2,979 |
| Total domestic deposits to total assets | 87.0669% | 1,777 |
| Equity capital to assets | 9.0521% | 4,644 |
| Core capital (leverage) ratio | 8.8476% | 4,756 |
| Tier 1 risk-based capital ratio | 11.5026% | 4,743 |
| Total risk-based capital ratio | 12.7182% | 4,656 |
| Memoranda: | ||
| Average total assets | $387,080,500 | 1,816 |
| Average earning assets | $353,812,500 | 1,829 |
| Average equity | $35,336,000 | 2,124 |
| Average total loans | $279,716,500 | 1,722 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 2,650 |
| Cost of funding earning assets | 0.5653% | 2,953 |
| Net interest margin | 3.8696% | 2,430 |
| Noninterest income to average assets | 0.5822% | 2,389 |
| Noninterest expense to average assets | 3.7420% | 731 |
| Loan and lease loss provision to assets | 0.0398% | 3,396 |
| Net operating income to assets | 1.3180% | 1,729 |
| Return on assets (ROA) | 1.3046% | 1,765 |
| Pretax return on assets | 0.3647% | 4,973 |
| Return on Equity (ROE) | 15.0815% | 811 |
| Retained earnings to average equity (ytd only) | 13.3608% | 203 |
| Net charge-offs to loans | -0.0274% | 4,784 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9521% | 345 |
| Assets per employee ($millions) | 3.4691% | 4,578 |
| Cash dividends to net income (ytd only)* | 11.4091% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,133 |
| Loan loss allowance to noncurrent loans | 636.2989% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,379 |
| Noncurrent loans to loans | 0.2015% | 3,861 |
| Net loans and leases to total assets | 72.1443% | 2,232 |
| Net loans and leases to deposits | 83.1963% | 2,604 |
| Net loans and leases to core deposits | 86.7523% | 2,862 |
| Total domestic deposits to total assets | 86.7158% | 1,908 |
| Equity capital to assets | 9.3304% | 4,292 |
| Core capital (leverage) ratio | 9.1288% | 4,530 |
| Tier 1 risk-based capital ratio | 11.7544% | 4,590 |
| Total risk-based capital ratio | 12.9743% | 4,486 |
| Memoranda: | ||
| Average total assets | $371,535,200 | 1,823 |
| Average earning assets | $343,521,000 | 1,836 |
| Average equity | $32,138,800 | 2,204 |
| Average total loans | $269,952,600 | 1,728 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,745 |
| Cost of funding earning assets | 0.5068% | 3,156 |
| Net interest margin | 3.8585% | 2,444 |
| Noninterest income to average assets | 0.5900% | 2,366 |
| Noninterest expense to average assets | 3.5506% | 916 |
| Loan and lease loss provision to assets | 0.0535% | 2,905 |
| Net operating income to assets | 0.5463% | 4,651 |
| Return on assets (ROA) | 0.5463% | 4,658 |
| Pretax return on assets | 0.5647% | 4,792 |
| Return on Equity (ROE) | 6.4465% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.9434% | 2,685 |
| Net charge-offs to loans | -0.0383% | 4,837 |
| Credit loss provision to net charge-offs | -192.2078% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1707% | 565 |
| Assets per employee ($millions) | 3.4250% | 4,653 |
| Cash dividends to net income (ytd only)* | 7.8043% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,119 |
| Loan loss allowance to noncurrent loans | 434.8724% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 3,045 |
| Noncurrent loans to loans | 0.2975% | 3,611 |
| Net loans and leases to total assets | 72.4843% | 2,256 |
| Net loans and leases to deposits | 82.4295% | 2,772 |
| Net loans and leases to core deposits | 85.3430% | 3,061 |
| Total domestic deposits to total assets | 87.9349% | 1,264 |
| Equity capital to assets | 8.3616% | 5,002 |
| Core capital (leverage) ratio | 8.9347% | 4,763 |
| Tier 1 risk-based capital ratio | 11.9197% | 4,542 |
| Total risk-based capital ratio | 13.1720% | 4,424 |
| Memoranda: | ||
| Average total assets | $369,018,250 | 1,843 |
| Average earning assets | $342,262,000 | 1,848 |
| Average equity | $31,272,250 | 2,268 |
| Average total loans | $267,720,500 | 1,747 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,940 |
| Cost of funding earning assets | 0.4696% | 3,228 |
| Net interest margin | 3.7811% | 2,630 |
| Noninterest income to average assets | 0.5818% | 2,422 |
| Noninterest expense to average assets | 3.5716% | 900 |
| Loan and lease loss provision to assets | 0.0218% | 3,476 |
| Net operating income to assets | 0.4803% | 4,794 |
| Return on assets (ROA) | 0.4803% | 4,798 |
| Pretax return on assets | 0.4950% | 4,914 |
| Return on Equity (ROE) | 5.6418% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.1353% | 3,007 |
| Net charge-offs to loans | -0.0128% | 4,400 |
| Credit loss provision to net charge-offs | -235.2941% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3582% | 502 |
| Assets per employee ($millions) | 3.4541% | 4,655 |
| Cash dividends to net income (ytd only)* | 8.9773% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,552 |
| Loan loss allowance to noncurrent loans | 314.9584% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 2,817 |
| Noncurrent loans to loans | 0.3906% | 3,297 |
| Net loans and leases to total assets | 72.7445% | 2,161 |
| Net loans and leases to deposits | 82.5929% | 2,703 |
| Net loans and leases to core deposits | 85.4848% | 2,970 |
| Total domestic deposits to total assets | 88.0760% | 1,339 |
| Equity capital to assets | 8.2922% | 5,082 |
| Core capital (leverage) ratio | 8.8822% | 4,810 |
| Tier 1 risk-based capital ratio | 11.5973% | 4,748 |
| Total risk-based capital ratio | 12.7911% | 4,660 |
| Memoranda: | ||
| Average total assets | $366,441,670 | 1,861 |
| Average earning assets | $339,849,000 | 1,867 |
| Average equity | $31,195,670 | 2,275 |
| Average total loans | $264,740,000 | 1,764 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,195 |
| Cost of funding earning assets | 0.4191% | 3,453 |
| Net interest margin | 3.6934% | 2,825 |
| Noninterest income to average assets | 0.5645% | 2,452 |
| Noninterest expense to average assets | 3.6003% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3874% | 4,948 |
| Return on assets (ROA) | 0.3874% | 4,955 |
| Pretax return on assets | 0.3874% | 5,052 |
| Return on Equity (ROE) | 4.4896% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.9893% | 3,597 |
| Net charge-offs to loans | -0.0031% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2859% | 431 |
| Assets per employee ($millions) | 3.5433% | 4,618 |
| Cash dividends to net income (ytd only)* | 11.1429% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,384 |
| Loan loss allowance to noncurrent loans | 396.2220% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 2,686 |
| Noncurrent loans to loans | 0.3213% | 3,613 |
| Net loans and leases to total assets | 70.6309% | 2,378 |
| Net loans and leases to deposits | 80.3453% | 2,770 |
| Net loans and leases to core deposits | 83.1176% | 3,052 |
| Total domestic deposits to total assets | 87.9092% | 1,674 |
| Equity capital to assets | 8.3907% | 5,053 |
| Core capital (leverage) ratio | 9.1410% | 4,520 |
| Tier 1 risk-based capital ratio | 11.6736% | 4,753 |
| Total risk-based capital ratio | 12.8753% | 4,682 |
| Memoranda: | ||
| Average total assets | $361,412,500 | 1,890 |
| Average earning assets | $334,974,500 | 1,900 |
| Average equity | $31,183,500 | 2,291 |
| Average total loans | $258,463,000 | 1,802 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 2,970 |
| Cost of funding earning assets | 0.3364% | 3,828 |
| Net interest margin | 3.7896% | 2,464 |
| Noninterest income to average assets | 0.7304% | 1,842 |
| Noninterest expense to average assets | 3.9525% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2735% | 4,978 |
| Return on assets (ROA) | 0.2767% | 4,987 |
| Pretax return on assets | 0.2772% | 5,234 |
| Return on Equity (ROE) | 3.0701% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.6899% | 3,705 |
| Net charge-offs to loans | -0.1414% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5160% | 307 |
| Assets per employee ($millions) | 3.4737% | 4,736 |
| Cash dividends to net income (ytd only)* | 12.3820% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,095 |
| Loan loss allowance to noncurrent loans | 450.2013% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,682 |
| Noncurrent loans to loans | 0.2941% | 3,726 |
| Net loans and leases to total assets | 70.5401% | 2,444 |
| Net loans and leases to deposits | 78.2759% | 3,086 |
| Net loans and leases to core deposits | 80.4454% | 3,388 |
| Total domestic deposits to total assets | 90.1172% | 531 |
| Equity capital to assets | 8.8753% | 4,838 |
| Core capital (leverage) ratio | 9.0085% | 4,642 |
| Tier 1 risk-based capital ratio | 12.0220% | 4,511 |
| Total risk-based capital ratio | 13.2737% | 4,395 |
| Memoranda: | ||
| Average total assets | $344,462,400 | 1,944 |
| Average earning assets | $317,792,400 | 1,945 |
| Average equity | $31,041,600 | 2,289 |
| Average total loans | $228,442,800 | 1,945 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,098 |
| Cost of funding earning assets | 0.3112% | 4,013 |
| Net interest margin | 3.7577% | 2,547 |
| Noninterest income to average assets | 0.7817% | 1,658 |
| Noninterest expense to average assets | 3.9376% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3088% | 5,203 |
| Return on assets (ROA) | 0.3131% | 5,216 |
| Pretax return on assets | 0.3131% | 5,299 |
| Return on Equity (ROE) | 3.4603% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.1199% | 4,053 |
| Net charge-offs to loans | -0.1884% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7286% | 323 |
| Assets per employee ($millions) | 3.5283% | 4,686 |
| Cash dividends to net income (ytd only)* | 9.8380% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,023 |
| Loan loss allowance to noncurrent loans | 372.4944% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,714 |
| Noncurrent loans to loans | 0.3679% | 3,634 |
| Net loans and leases to total assets | 67.5502% | 2,908 |
| Net loans and leases to deposits | 75.0136% | 3,469 |
| Net loans and leases to core deposits | 77.0823% | 3,719 |
| Total domestic deposits to total assets | 90.0506% | 454 |
| Equity capital to assets | 8.8493% | 5,033 |
| Core capital (leverage) ratio | 9.0018% | 4,733 |
| Tier 1 risk-based capital ratio | 12.4046% | 4,373 |
| Total risk-based capital ratio | 13.6602% | 4,282 |
| Memoranda: | ||
| Average total assets | $341,997,500 | 1,969 |
| Average earning assets | $315,329,500 | 1,973 |
| Average equity | $30,940,250 | 2,308 |
| Average total loans | $222,230,250 | 1,990 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,009 |
| Cost of funding earning assets | 0.2731% | 4,349 |
| Net interest margin | 3.7773% | 2,373 |
| Noninterest income to average assets | 0.7497% | 1,776 |
| Noninterest expense to average assets | 3.9655% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2621% | 5,302 |
| Return on assets (ROA) | 0.2675% | 5,311 |
| Pretax return on assets | 0.2675% | 5,370 |
| Return on Equity (ROE) | 2.9341% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.6739% | 4,100 |
| Net charge-offs to loans | -0.1638% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7991% | 315 |
| Assets per employee ($millions) | 3.4360% | 4,815 |
| Cash dividends to net income (ytd only)* | 8.8692% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,050 |
| Loan loss allowance to noncurrent loans | 387.3188% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 2,542 |
| Noncurrent loans to loans | 0.3557% | 3,754 |
| Net loans and leases to total assets | 64.8650% | 3,268 |
| Net loans and leases to deposits | 71.9890% | 3,740 |
| Net loans and leases to core deposits | 73.9157% | 3,945 |
| Total domestic deposits to total assets | 90.1040% | 506 |
| Equity capital to assets | 8.8726% | 5,016 |
| Core capital (leverage) ratio | 9.2021% | 4,487 |
| Tier 1 risk-based capital ratio | 12.6958% | 4,184 |
| Total risk-based capital ratio | 13.9501% | 4,093 |
| Memoranda: | ||
| Average total assets | $337,212,000 | 1,992 |
| Average earning assets | $310,486,670 | 2,002 |
| Average equity | $30,742,000 | 2,318 |
| Average total loans | $214,952,670 | 2,046 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 2,959 |
| Cost of funding earning assets | 0.2159% | 4,836 |
| Net interest margin | 3.8046% | 2,097 |
| Noninterest income to average assets | 0.7201% | 1,872 |
| Noninterest expense to average assets | 3.9931% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2202% | 5,365 |
| Return on assets (ROA) | 0.2311% | 5,355 |
| Pretax return on assets | 0.2311% | 5,403 |
| Return on Equity (ROE) | 2.4990% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.4990% | 4,142 |
| Net charge-offs to loans | -0.3067% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7748% | 355 |
| Assets per employee ($millions) | 3.2400% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,687 |
| Loan loss allowance to noncurrent loans | 247.7855% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 2,066 |
| Noncurrent loans to loans | 0.6059% | 3,005 |
| Net loans and leases to total assets | 61.5009% | 3,597 |
| Net loans and leases to deposits | 68.3478% | 3,962 |
| Net loans and leases to core deposits | 69.7537% | 4,162 |
| Total domestic deposits to total assets | 89.9822% | 662 |
| Equity capital to assets | 8.9946% | 4,804 |
| Core capital (leverage) ratio | 9.6704% | 3,902 |
| Tier 1 risk-based capital ratio | 13.7344% | 3,642 |
| Total risk-based capital ratio | 14.9913% | 3,543 |
| Memoranda: | ||
| Average total assets | $328,863,500 | 2,050 |
| Average earning assets | $301,951,500 | 2,060 |
| Average equity | $30,412,500 | 2,347 |
| Average total loans | $206,044,000 | 2,129 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 4,577 |
| Cost of funding earning assets | 0.1673% | 5,301 |
| Net interest margin | 3.4078% | 3,800 |
| Noninterest income to average assets | 0.7660% | 1,899 |
| Noninterest expense to average assets | 3.6670% | 925 |
| Loan and lease loss provision to assets | 0.0152% | 4,066 |
| Net operating income to assets | 0.2065% | 5,407 |
| Return on assets (ROA) | 0.2997% | 5,288 |
| Pretax return on assets | 0.3022% | 5,362 |
| Return on Equity (ROE) | 3.1692% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.1692% | 3,655 |
| Net charge-offs to loans | 0.0769% | 2,596 |
| Credit loss provision to net charge-offs | 38.7597% | 3,506 |
| Earnings coverage of net charge-offs (x) | 5.6744% | 3,304 |
| Efficiency ratio | 94.2624% | 372 |
| Assets per employee ($millions) | 3.1752% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,606 |
| Loan loss allowance to noncurrent loans | 176.3234% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 1,721 |
| Noncurrent loans to loans | 0.8609% | 2,377 |
| Net loans and leases to total assets | 61.9293% | 3,618 |
| Net loans and leases to deposits | 69.2074% | 3,984 |
| Net loans and leases to core deposits | 70.1543% | 4,232 |
| Total domestic deposits to total assets | 89.4836% | 869 |
| Equity capital to assets | 9.5190% | 4,250 |
| Core capital (leverage) ratio | 9.6842% | 3,873 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,231 |
| Total risk-based capital ratio | 15.6733% | 3,161 |
| Memoranda: | ||
| Average total assets | $327,952,000 | 2,014 |
| Average earning assets | $300,661,600 | 2,039 |
| Average equity | $31,017,000 | 2,291 |
| Average total loans | $167,818,400 | 2,434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 4,882 |
| Cost of funding earning assets | 0.1662% | 5,377 |
| Net interest margin | 3.3090% | 4,158 |
| Noninterest income to average assets | 0.7676% | 1,898 |
| Noninterest expense to average assets | 3.5898% | 1,010 |
| Loan and lease loss provision to assets | 0.0202% | 3,831 |
| Net operating income to assets | 0.1932% | 5,476 |
| Return on assets (ROA) | 0.3150% | 5,337 |
| Pretax return on assets | 0.3150% | 5,443 |
| Return on Equity (ROE) | 3.3359% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.3359% | 3,898 |
| Net charge-offs to loans | 0.0726% | 2,278 |
| Credit loss provision to net charge-offs | 57.4713% | 2,938 |
| Earnings coverage of net charge-offs (x) | 6.0803% | 3,039 |
| Efficiency ratio | 94.3896% | 369 |
| Assets per employee ($millions) | 3.2436% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 1,117 |
| Loan loss allowance to noncurrent loans | 188.8752% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 1,785 |
| Noncurrent loans to loans | 0.9230% | 2,398 |
| Net loans and leases to total assets | 53.3982% | 4,545 |
| Net loans and leases to deposits | 60.0082% | 4,759 |
| Net loans and leases to core deposits | 60.6702% | 4,899 |
| Total domestic deposits to total assets | 88.9848% | 918 |
| Equity capital to assets | 9.8625% | 4,290 |
| Core capital (leverage) ratio | 9.7091% | 3,928 |
| Tier 1 risk-based capital ratio | 15.4373% | 2,855 |
| Total risk-based capital ratio | 16.6939% | 2,786 |
| Memoranda: | ||
| Average total assets | $330,559,500 | 2,006 |
| Average earning assets | $303,247,750 | 2,028 |
| Average equity | $31,215,000 | 2,288 |
| Average total loans | $159,855,500 | 2,525 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3864% | 5,113 |
| Cost of funding earning assets | 0.1671% | 5,438 |
| Net interest margin | 3.2193% | 4,487 |
| Noninterest income to average assets | 0.7913% | 1,750 |
| Noninterest expense to average assets | 3.4573% | 1,252 |
| Loan and lease loss provision to assets | 0.0301% | 3,527 |
| Net operating income to assets | 0.2579% | 5,416 |
| Return on assets (ROA) | 0.3860% | 5,154 |
| Pretax return on assets | 0.3860% | 5,364 |
| Return on Equity (ROE) | 4.1477% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.1477% | 3,263 |
| Net charge-offs to loans | 0.0959% | 1,882 |
| Credit loss provision to net charge-offs | 67.5676% | 2,499 |
| Earnings coverage of net charge-offs (x) | 6.4730% | 2,734 |
| Efficiency ratio | 92.3102% | 484 |
| Assets per employee ($millions) | 3.1472% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 947 |
| Loan loss allowance to noncurrent loans | 80.1975% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.8040% | 953 |
| Noncurrent loans to loans | 2.3306% | 774 |
| Net loans and leases to total assets | 50.4715% | 4,811 |
| Net loans and leases to deposits | 56.8144% | 4,962 |
| Net loans and leases to core deposits | 57.3761% | 5,102 |
| Total domestic deposits to total assets | 88.8357% | 994 |
| Equity capital to assets | 9.9699% | 4,263 |
| Core capital (leverage) ratio | 9.6512% | 3,997 |
| Tier 1 risk-based capital ratio | 15.9749% | 2,654 |
| Total risk-based capital ratio | 17.2334% | 2,587 |
| Memoranda: | ||
| Average total assets | $332,625,670 | 2,003 |
| Average earning assets | $305,223,670 | 2,015 |
| Average equity | $30,956,670 | 2,312 |
| Average total loans | $154,382,000 | 2,597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 5,463 |
| Cost of funding earning assets | 0.1749% | 5,419 |
| Net interest margin | 3.0432% | 5,020 |
| Noninterest income to average assets | 0.7647% | 1,757 |
| Noninterest expense to average assets | 3.3945% | 1,390 |
| Loan and lease loss provision to assets | 0.0591% | 2,774 |
| Net operating income to assets | 0.1076% | 5,671 |
| Return on assets (ROA) | 0.2340% | 5,531 |
| Pretax return on assets | 0.2340% | 5,601 |
| Return on Equity (ROE) | 2.6025% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.6025% | 4,203 |
| Net charge-offs to loans | 0.0054% | 2,927 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 692 |
| Efficiency ratio | 95.3203% | 413 |
| Assets per employee ($millions) | 3.3141% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 698 |
| Loan loss allowance to noncurrent loans | 61.9945% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1268% | 791 |
| Noncurrent loans to loans | 3.3708% | 424 |
| Net loans and leases to total assets | 46.0277% | 5,112 |
| Net loans and leases to deposits | 51.6162% | 5,245 |
| Net loans and leases to core deposits | 52.1698% | 5,345 |
| Total domestic deposits to total assets | 89.1730% | 1,014 |
| Equity capital to assets | 9.7130% | 4,435 |
| Core capital (leverage) ratio | 8.7747% | 5,097 |
| Tier 1 risk-based capital ratio | 16.9384% | 2,310 |
| Total risk-based capital ratio | 18.1977% | 2,257 |
| Memoranda: | ||
| Average total assets | $338,431,000 | 1,976 |
| Average earning assets | $310,992,000 | 1,988 |
| Average equity | $30,432,500 | 2,343 |
| Average total loans | $149,019,500 | 2,668 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2222% | 5,486 |
| Cost of funding earning assets | 0.1960% | 5,319 |
| Net interest margin | 3.0262% | 5,073 |
| Noninterest income to average assets | 0.7710% | 1,896 |
| Noninterest expense to average assets | 3.3351% | 1,636 |
| Loan and lease loss provision to assets | 0.0658% | 2,970 |
| Net operating income to assets | 0.1245% | 5,721 |
| Return on assets (ROA) | 0.1273% | 5,765 |
| Pretax return on assets | 0.1433% | 5,760 |
| Return on Equity (ROE) | 1.4962% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.4962% | 4,868 |
| Net charge-offs to loans | 0.4601% | 596 |
| Credit loss provision to net charge-offs | 34.1753% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.0698% | 4,144 |
| Efficiency ratio | 94.1828% | 475 |
| Assets per employee ($millions) | 3.7021% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 673 |
| Loan loss allowance to noncurrent loans | 58.4367% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 812 |
| Noncurrent loans to loans | 3.6224% | 367 |
| Net loans and leases to total assets | 40.4640% | 5,486 |
| Net loans and leases to deposits | 44.5908% | 5,631 |
| Net loans and leases to core deposits | 45.1035% | 5,680 |
| Total domestic deposits to total assets | 90.7453% | 356 |
| Equity capital to assets | 8.3403% | 5,675 |
| Core capital (leverage) ratio | 8.8935% | 5,011 |
| Tier 1 risk-based capital ratio | 17.2565% | 2,195 |
| Total risk-based capital ratio | 18.5171% | 2,152 |
| Memoranda: | ||
| Average total assets | $349,529,200 | 1,871 |
| Average earning assets | $319,934,600 | 1,890 |
| Average equity | $29,741,400 | 2,337 |
| Average total loans | $146,258,800 | 2,648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 5,442 |
| Cost of funding earning assets | 0.2080% | 5,307 |
| Net interest margin | 3.0732% | 5,027 |
| Noninterest income to average assets | 0.9343% | 1,360 |
| Noninterest expense to average assets | 3.3043% | 1,678 |
| Loan and lease loss provision to assets | 0.0881% | 2,397 |
| Net operating income to assets | 0.3281% | 5,374 |
| Return on assets (ROA) | 0.3313% | 5,447 |
| Pretax return on assets | 0.3528% | 5,551 |
| Return on Equity (ROE) | 3.8745% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.8745% | 3,709 |
| Net charge-offs to loans | 0.4700% | 532 |
| Credit loss provision to net charge-offs | 44.6602% | 3,107 |
| Earnings coverage of net charge-offs (x) | 2.2175% | 3,705 |
| Efficiency ratio | 88.3088% | 814 |
| Assets per employee ($millions) | 3.6952% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 664 |
| Loan loss allowance to noncurrent loans | 54.9798% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.5332% | 677 |
| Noncurrent loans to loans | 3.9983% | 324 |
| Net loans and leases to total assets | 42.7686% | 5,443 |
| Net loans and leases to deposits | 47.5908% | 5,592 |
| Net loans and leases to core deposits | 48.3043% | 5,643 |
| Total domestic deposits to total assets | 89.8673% | 634 |
| Equity capital to assets | 9.1293% | 5,186 |
| Core capital (leverage) ratio | 9.0426% | 4,947 |
| Tier 1 risk-based capital ratio | 16.9827% | 2,384 |
| Total risk-based capital ratio | 18.2450% | 2,326 |
| Memoranda: | ||
| Average total assets | $348,062,250 | 1,892 |
| Average earning assets | $317,962,250 | 1,915 |
| Average equity | $29,766,500 | 2,343 |
| Average total loans | $146,094,000 | 2,660 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,433 |
| Cost of funding earning assets | 0.2292% | 5,156 |
| Net interest margin | 3.0745% | 5,029 |
| Noninterest income to average assets | 1.0047% | 1,168 |
| Noninterest expense to average assets | 3.2124% | 1,948 |
| Loan and lease loss provision to assets | 0.1311% | 1,681 |
| Net operating income to assets | 0.4602% | 4,944 |
| Return on assets (ROA) | 0.4653% | 5,014 |
| Pretax return on assets | 0.4733% | 5,293 |
| Return on Equity (ROE) | 5.5617% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.5617% | 2,500 |
| Net charge-offs to loans | 0.8552% | 240 |
| Credit loss provision to net charge-offs | 37.0370% | 2,854 |
| Earnings coverage of net charge-offs (x) | 1.6924% | 3,466 |
| Efficiency ratio | 84.2782% | 1,232 |
| Assets per employee ($millions) | 3.7062% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 787 |
| Loan loss allowance to noncurrent loans | 46.7821% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.0490% | 543 |
| Noncurrent loans to loans | 4.5980% | 287 |
| Net loans and leases to total assets | 42.6486% | 5,459 |
| Net loans and leases to deposits | 47.2084% | 5,622 |
| Net loans and leases to core deposits | 48.6910% | 5,666 |
| Total domestic deposits to total assets | 90.3411% | 520 |
| Equity capital to assets | 8.7160% | 5,511 |
| Core capital (leverage) ratio | 8.9411% | 5,040 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,477 |
| Total risk-based capital ratio | 18.0798% | 2,430 |
| Memoranda: | ||
| Average total assets | $350,763,000 | 1,891 |
| Average earning assets | $320,247,330 | 1,913 |
| Average equity | $29,343,330 | 2,389 |
| Average total loans | $145,237,330 | 2,678 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1776% | 5,683 |
| Cost of funding earning assets | 0.2376% | 5,147 |
| Net interest margin | 2.9400% | 5,369 |
| Noninterest income to average assets | 0.7373% | 1,978 |
| Noninterest expense to average assets | 3.0063% | 2,561 |
| Loan and lease loss provision to assets | 0.2573% | 630 |
| Net operating income to assets | 0.1589% | 5,770 |
| Return on assets (ROA) | 0.1689% | 5,821 |
| Pretax return on assets | 0.1689% | 5,868 |
| Return on Equity (ROE) | 2.0602% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.0602% | 4,646 |
| Net charge-offs to loans | 0.8008% | 295 |
| Credit loss provision to net charge-offs | 79.5848% | 1,832 |
| Earnings coverage of net charge-offs (x) | 1.2872% | 2,941 |
| Efficiency ratio | 87.8392% | 1,031 |
| Assets per employee ($millions) | 3.6761% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4178% | 596 |
| Loan loss allowance to noncurrent loans | 51.9477% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.1677% | 566 |
| Noncurrent loans to loans | 4.6543% | 321 |
| Net loans and leases to total assets | 40.8098% | 5,560 |
| Net loans and leases to deposits | 45.3803% | 5,683 |
| Net loans and leases to core deposits | 47.2047% | 5,707 |
| Total domestic deposits to total assets | 89.9285% | 774 |
| Equity capital to assets | 8.7030% | 5,572 |
| Core capital (leverage) ratio | 8.1810% | 5,821 |
| Tier 1 risk-based capital ratio | 16.2342% | 2,810 |
| Total risk-based capital ratio | 17.4897% | 2,752 |
| Memoranda: | ||
| Average total assets | $357,513,000 | 1,856 |
| Average earning assets | $326,534,000 | 1,888 |
| Average equity | $29,317,000 | 2,408 |
| Average total loans | $144,356,000 | 2,702 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,398 |
| Cost of funding earning assets | 0.2689% | 5,113 |
| Net interest margin | 3.1995% | 4,918 |
| Noninterest income to average assets | 1.2928% | 730 |
| Noninterest expense to average assets | 3.2646% | 2,027 |
| Loan and lease loss provision to assets | 0.3921% | 462 |
| Net operating income to assets | 0.5384% | 4,644 |
| Return on assets (ROA) | 0.5436% | 4,710 |
| Pretax return on assets | 0.5436% | 5,126 |
| Return on Equity (ROE) | 8.6276% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.6276% | 790 |
| Net charge-offs to loans | 1.6540% | 138 |
| Credit loss provision to net charge-offs | 56.7039% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.3456% | 4,442 |
| Efficiency ratio | 77.8202% | 2,229 |
| Assets per employee ($millions) | 4.0981% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4760% | 567 |
| Loan loss allowance to noncurrent loans | 46.0531% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.6906% | 487 |
| Noncurrent loans to loans | 5.3763% | 248 |
| Net loans and leases to total assets | 37.9436% | 5,853 |
| Net loans and leases to deposits | 41.6107% | 5,978 |
| Net loans and leases to core deposits | 43.0798% | 5,990 |
| Total domestic deposits to total assets | 91.1872% | 308 |
| Equity capital to assets | 7.5673% | 6,219 |
| Core capital (leverage) ratio | 8.2962% | 5,783 |
| Tier 1 risk-based capital ratio | 15.0722% | 3,450 |
| Total risk-based capital ratio | 16.3332% | 3,391 |
| Memoranda: | ||
| Average total assets | $362,402,600 | 1,795 |
| Average earning assets | $328,741,600 | 1,829 |
| Average equity | $22,833,600 | 2,863 |
| Average total loans | $151,510,600 | 2,553 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 5,234 |
| Cost of funding earning assets | 0.2820% | 5,075 |
| Net interest margin | 3.2811% | 4,679 |
| Noninterest income to average assets | 0.4335% | 3,997 |
| Noninterest expense to average assets | 3.2712% | 1,968 |
| Loan and lease loss provision to assets | 0.4069% | 412 |
| Net operating income to assets | -0.2735% | 6,302 |
| Return on assets (ROA) | -0.2735% | 6,296 |
| Pretax return on assets | -0.2735% | 6,279 |
| Return on Equity (ROE) | -4.5753% | 6,357 |
| Retained earnings to average equity (ytd only) | -4.5753% | 6,238 |
| Net charge-offs to loans | 2.1539% | 91 |
| Credit loss provision to net charge-offs | 44.3952% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.1456% | 4,428 |
| Efficiency ratio | 96.0816% | 507 |
| Assets per employee ($millions) | 3.7556% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 919 |
| Loan loss allowance to noncurrent loans | 38.2602% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 4.3539% | 433 |
| Noncurrent loans to loans | 5.8000% | 253 |
| Net loans and leases to total assets | 42.0182% | 5,669 |
| Net loans and leases to deposits | 45.7705% | 5,880 |
| Net loans and leases to core deposits | 47.6969% | 5,901 |
| Total domestic deposits to total assets | 91.8019% | 181 |
| Equity capital to assets | 6.7702% | 6,414 |
| Core capital (leverage) ratio | 7.4940% | 6,288 |
| Tier 1 risk-based capital ratio | 13.2443% | 4,700 |
| Total risk-based capital ratio | 14.5051% | 4,633 |
| Memoranda: | ||
| Average total assets | $360,796,750 | 1,817 |
| Average earning assets | $326,708,250 | 1,847 |
| Average equity | $21,564,500 | 2,997 |
| Average total loans | $153,513,500 | 2,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 5,255 |
| Cost of funding earning assets | 0.2958% | 5,008 |
| Net interest margin | 3.2671% | 4,712 |
| Noninterest income to average assets | 0.4843% | 3,600 |
| Noninterest expense to average assets | 3.2821% | 1,965 |
| Loan and lease loss provision to assets | 0.4363% | 377 |
| Net operating income to assets | -0.2740% | 6,357 |
| Return on assets (ROA) | -0.2740% | 6,367 |
| Pretax return on assets | -0.2740% | 6,350 |
| Return on Equity (ROE) | -4.7814% | 6,428 |
| Retained earnings to average equity (ytd only) | -4.7814% | 6,223 |
| Net charge-offs to loans | 2.2488% | 92 |
| Credit loss provision to net charge-offs | 45.7453% | 2,853 |
| Earnings coverage of net charge-offs (x) | 0.1702% | 4,099 |
| Efficiency ratio | 95.2870% | 593 |
| Assets per employee ($millions) | 4.0144% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4570% | 754 |
| Loan loss allowance to noncurrent loans | 50.8760% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 4.0875% | 513 |
| Noncurrent loans to loans | 4.8294% | 431 |
| Net loans and leases to total assets | 40.9795% | 5,742 |
| Net loans and leases to deposits | 44.5502% | 5,955 |
| Net loans and leases to core deposits | 46.3501% | 5,979 |
| Total domestic deposits to total assets | 91.9850% | 173 |
| Equity capital to assets | 6.6659% | 6,479 |
| Core capital (leverage) ratio | 7.2952% | 6,375 |
| Tier 1 risk-based capital ratio | 13.0919% | 4,859 |
| Total risk-based capital ratio | 14.3574% | 4,776 |
| Memoranda: | ||
| Average total assets | $367,141,000 | 1,787 |
| Average earning assets | $332,654,000 | 1,813 |
| Average equity | $21,040,000 | 3,046 |
| Average total loans | $155,730,670 | 2,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 5,135 |
| Cost of funding earning assets | 0.3094% | 4,972 |
| Net interest margin | 3.3028% | 4,525 |
| Noninterest income to average assets | 0.4569% | 3,732 |
| Noninterest expense to average assets | 2.9822% | 2,923 |
| Loan and lease loss provision to assets | 0.1613% | 1,506 |
| Net operating income to assets | 0.3085% | 5,460 |
| Return on assets (ROA) | 0.3085% | 5,511 |
| Pretax return on assets | 0.3085% | 5,698 |
| Return on Equity (ROE) | 5.8416% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.8416% | 2,628 |
| Net charge-offs to loans | 1.3826% | 235 |
| Credit loss provision to net charge-offs | 27.3723% | 2,420 |
| Earnings coverage of net charge-offs (x) | 0.7974% | 3,261 |
| Efficiency ratio | 86.3905% | 1,405 |
| Assets per employee ($millions) | 4.0055% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7293% | 601 |
| Loan loss allowance to noncurrent loans | 64.6046% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.9994% | 591 |
| Noncurrent loans to loans | 4.2246% | 611 |
| Net loans and leases to total assets | 41.4566% | 5,713 |
| Net loans and leases to deposits | 45.1254% | 5,910 |
| Net loans and leases to core deposits | 47.0871% | 5,929 |
| Total domestic deposits to total assets | 91.8698% | 281 |
| Equity capital to assets | 5.8746% | 6,578 |
| Core capital (leverage) ratio | 6.9615% | 6,478 |
| Tier 1 risk-based capital ratio | 13.1080% | 4,950 |
| Total risk-based capital ratio | 14.3676% | 4,877 |
| Memoranda: | ||
| Average total assets | $372,071,000 | 1,771 |
| Average earning assets | $337,411,000 | 1,788 |
| Average equity | $19,652,000 | 3,208 |
| Average total loans | $158,546,000 | 2,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 5,319 |
| Cost of funding earning assets | 0.4189% | 4,444 |
| Net interest margin | 3.2164% | 4,943 |
| Noninterest income to average assets | 0.2444% | 5,596 |
| Noninterest expense to average assets | 3.8443% | 1,065 |
| Loan and lease loss provision to assets | 0.4593% | 627 |
| Net operating income to assets | -1.2165% | 6,639 |
| Return on assets (ROA) | -1.2185% | 6,642 |
| Pretax return on assets | -1.1371% | 6,620 |
| Return on Equity (ROE) | -18.0600% | 6,675 |
| Retained earnings to average equity (ytd only) | -18.0600% | 6,654 |
| Net charge-offs to loans | 1.0521% | 539 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.4712% | 5,298 |
| Efficiency ratio | 121.3270% | 168 |
| Assets per employee ($millions) | 4.0821% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8675% | 548 |
| Loan loss allowance to noncurrent loans | 53.2920% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.2464% | 608 |
| Noncurrent loans to loans | 5.3808% | 431 |
| Net loans and leases to total assets | 41.3823% | 5,862 |
| Net loans and leases to deposits | 44.4203% | 6,100 |
| Net loans and leases to core deposits | 46.3429% | 6,121 |
| Total domestic deposits to total assets | 93.1609% | 121 |
| Equity capital to assets | 4.7126% | 6,706 |
| Core capital (leverage) ratio | 7.1594% | 6,487 |
| Tier 1 risk-based capital ratio | 12.8465% | 5,084 |
| Total risk-based capital ratio | 14.1079% | 5,025 |
| Memoranda: | ||
| Average total assets | $403,847,800 | 1,632 |
| Average earning assets | $367,154,200 | 1,645 |
| Average equity | $27,248,000 | 2,434 |
| Average total loans | $176,312,800 | 2,234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 5,449 |
| Cost of funding earning assets | 0.4419% | 4,363 |
| Net interest margin | 3.1537% | 5,138 |
| Noninterest income to average assets | 0.1574% | 6,244 |
| Noninterest expense to average assets | 2.6637% | 4,152 |
| Loan and lease loss provision to assets | 0.5383% | 495 |
| Net operating income to assets | -0.2846% | 6,516 |
| Return on assets (ROA) | -0.2872% | 6,530 |
| Pretax return on assets | -0.1802% | 6,458 |
| Return on Equity (ROE) | -3.9791% | 6,571 |
| Retained earnings to average equity (ytd only) | -3.9791% | 6,440 |
| Net charge-offs to loans | 1.1662% | 472 |
| Credit loss provision to net charge-offs | 105.1461% | 2,224 |
| Earnings coverage of net charge-offs (x) | 0.7046% | 4,615 |
| Efficiency ratio | 88.0727% | 1,169 |
| Assets per employee ($millions) | 4.2459% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8583% | 640 |
| Loan loss allowance to noncurrent loans | 46.6489% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 4.7819% | 608 |
| Noncurrent loans to loans | 6.1272% | 404 |
| Net loans and leases to total assets | 42.4421% | 5,863 |
| Net loans and leases to deposits | 46.8916% | 6,045 |
| Net loans and leases to core deposits | 49.0382% | 6,069 |
| Total domestic deposits to total assets | 90.5111% | 740 |
| Equity capital to assets | 7.1850% | 6,497 |
| Core capital (leverage) ratio | 8.0407% | 6,194 |
| Tier 1 risk-based capital ratio | 14.2787% | 4,230 |
| Total risk-based capital ratio | 15.5401% | 4,165 |
| Memoranda: | ||
| Average total assets | $409,900,250 | 1,621 |
| Average earning assets | $372,634,750 | 1,630 |
| Average equity | $29,587,250 | 2,297 |
| Average total loans | $179,955,750 | 2,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 5,568 |
| Cost of funding earning assets | 0.4648% | 4,262 |
| Net interest margin | 3.0934% | 5,286 |
| Noninterest income to average assets | 0.1184% | 6,461 |
| Noninterest expense to average assets | 2.6416% | 4,244 |
| Loan and lease loss provision to assets | 0.7632% | 287 |
| Net operating income to assets | -0.6230% | 6,674 |
| Return on assets (ROA) | -0.6268% | 6,688 |
| Pretax return on assets | -0.4703% | 6,616 |
| Return on Equity (ROE) | -8.6712% | 6,718 |
| Retained earnings to average equity (ytd only) | -8.6712% | 6,630 |
| Net charge-offs to loans | 1.4169% | 388 |
| Credit loss provision to net charge-offs | 122.5191% | 1,826 |
| Earnings coverage of net charge-offs (x) | 0.4763% | 4,378 |
| Efficiency ratio | 89.9013% | 1,057 |
| Assets per employee ($millions) | 4.5870% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 675 |
| Loan loss allowance to noncurrent loans | 47.9677% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 5.2430% | 563 |
| Noncurrent loans to loans | 5.9343% | 485 |
| Net loans and leases to total assets | 43.1823% | 5,812 |
| Net loans and leases to deposits | 47.5549% | 6,012 |
| Net loans and leases to core deposits | 49.7283% | 6,035 |
| Total domestic deposits to total assets | 90.8051% | 620 |
| Equity capital to assets | 6.9817% | 6,607 |
| Core capital (leverage) ratio | 7.5970% | 6,418 |
| Tier 1 risk-based capital ratio | 13.6043% | 4,708 |
| Total risk-based capital ratio | 14.8658% | 4,660 |
| Memoranda: | ||
| Average total assets | $420,572,330 | 1,583 |
| Average earning assets | $383,401,000 | 1,582 |
| Average equity | $30,399,330 | 2,254 |
| Average total loans | $184,907,330 | 2,157 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 5,926 |
| Cost of funding earning assets | 0.5795% | 3,299 |
| Net interest margin | 2.8264% | 5,980 |
| Noninterest income to average assets | -0.1083% | 6,922 |
| Noninterest expense to average assets | 2.5299% | 4,657 |
| Loan and lease loss provision to assets | 1.2434% | 124 |
| Net operating income to assets | -1.4535% | 6,877 |
| Return on assets (ROA) | -1.4608% | 6,883 |
| Pretax return on assets | -1.3021% | 6,858 |
| Return on Equity (ROE) | -19.9072% | 6,897 |
| Retained earnings to average equity (ytd only) | -19.9072% | 6,831 |
| Net charge-offs to loans | 1.5122% | 357 |
| Credit loss provision to net charge-offs | 187.9334% | 1,143 |
| Earnings coverage of net charge-offs (x) | -0.0777% | 3,849 |
| Efficiency ratio | 102.0733% | 483 |
| Assets per employee ($millions) | 4.7281% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8230% | 801 |
| Loan loss allowance to noncurrent loans | 47.4827% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 5.1569% | 692 |
| Noncurrent loans to loans | 5.9453% | 562 |
| Net loans and leases to total assets | 43.1275% | 5,747 |
| Net loans and leases to deposits | 47.7696% | 5,937 |
| Net loans and leases to core deposits | 50.2525% | 5,960 |
| Total domestic deposits to total assets | 90.2823% | 888 |
| Equity capital to assets | 7.3760% | 6,630 |
| Core capital (leverage) ratio | 6.9097% | 6,669 |
| Tier 1 risk-based capital ratio | 13.0433% | 5,186 |
| Total risk-based capital ratio | 14.3057% | 5,134 |
| Memoranda: | ||
| Average total assets | $435,913,000 | 1,543 |
| Average earning assets | $398,949,500 | 1,532 |
| Average equity | $31,988,500 | 2,182 |
| Average total loans | $190,712,500 | 2,104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 6,266 |
| Cost of funding earning assets | 0.8267% | 2,446 |
| Net interest margin | 2.7440% | 6,459 |
| Noninterest income to average assets | -0.5787% | 7,036 |
| Noninterest expense to average assets | 2.3712% | 5,489 |
| Loan and lease loss provision to assets | 0.7009% | 734 |
| Net operating income to assets | -1.2456% | 6,806 |
| Return on assets (ROA) | -0.9293% | 6,740 |
| Pretax return on assets | -0.8191% | 6,679 |
| Return on Equity (ROE) | -12.4932% | 6,779 |
| Retained earnings to average equity (ytd only) | -12.4932% | 6,715 |
| Net charge-offs to loans | 1.4799% | 610 |
| Credit loss provision to net charge-offs | 108.9826% | 2,694 |
| Earnings coverage of net charge-offs (x) | -0.6758% | 5,707 |
| Efficiency ratio | 122.4420% | 191 |
| Assets per employee ($millions) | 4.9025% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3825% | 1,261 |
| Loan loss allowance to noncurrent loans | 41.0879% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 5.0325% | 767 |
| Noncurrent loans to loans | 5.7984% | 624 |
| Net loans and leases to total assets | 42.1338% | 5,996 |
| Net loans and leases to deposits | 46.5670% | 6,211 |
| Net loans and leases to core deposits | 49.1772% | 6,199 |
| Total domestic deposits to total assets | 90.4799% | 714 |
| Equity capital to assets | 7.3031% | 6,693 |
| Core capital (leverage) ratio | 7.0638% | 6,681 |
| Tier 1 risk-based capital ratio | 13.8716% | 4,475 |
| Total risk-based capital ratio | 15.1311% | 4,429 |
| Memoranda: | ||
| Average total assets | $482,961,600 | 1,378 |
| Average earning assets | $442,705,600 | 1,364 |
| Average equity | $35,923,400 | 1,924 |
| Average total loans | $209,883,400 | 1,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 6,397 |
| Cost of funding earning assets | 0.8578% | 2,476 |
| Net interest margin | 2.7401% | 6,589 |
| Noninterest income to average assets | -0.5203% | 7,134 |
| Noninterest expense to average assets | 2.3005% | 5,675 |
| Loan and lease loss provision to assets | 0.6341% | 837 |
| Net operating income to assets | -1.0296% | 6,868 |
| Return on assets (ROA) | -0.6146% | 6,767 |
| Pretax return on assets | -0.5277% | 6,714 |
| Return on Equity (ROE) | -8.2283% | 6,821 |
| Retained earnings to average equity (ytd only) | -8.2283% | 6,759 |
| Net charge-offs to loans | 1.4482% | 612 |
| Credit loss provision to net charge-offs | 100.6032% | 2,940 |
| Earnings coverage of net charge-offs (x) | -0.4894% | 5,493 |
| Efficiency ratio | 115.4874% | 233 |
| Assets per employee ($millions) | 4.9752% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 1,757 |
| Loan loss allowance to noncurrent loans | 41.7072% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 5.0122% | 893 |
| Noncurrent loans to loans | 5.2155% | 847 |
| Net loans and leases to total assets | 42.5041% | 6,083 |
| Net loans and leases to deposits | 47.1594% | 6,305 |
| Net loans and leases to core deposits | 49.7235% | 6,296 |
| Total domestic deposits to total assets | 90.1286% | 776 |
| Equity capital to assets | 7.6826% | 6,718 |
| Core capital (leverage) ratio | 7.3604% | 6,692 |
| Tier 1 risk-based capital ratio | 14.3640% | 4,285 |
| Total risk-based capital ratio | 15.6212% | 4,250 |
| Memoranda: | ||
| Average total assets | $490,945,250 | 1,372 |
| Average earning assets | $450,136,750 | 1,369 |
| Average equity | $36,669,500 | 1,911 |
| Average total loans | $213,686,000 | 1,921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 6,411 |
| Cost of funding earning assets | 0.8839% | 2,532 |
| Net interest margin | 2.7702% | 6,624 |
| Noninterest income to average assets | 0.5020% | 3,913 |
| Noninterest expense to average assets | 3.3732% | 2,095 |
| Loan and lease loss provision to assets | 0.4537% | 1,408 |
| Net operating income to assets | -1.0037% | 6,910 |
| Return on assets (ROA) | -0.3929% | 6,727 |
| Pretax return on assets | -0.1747% | 6,575 |
| Return on Equity (ROE) | -5.3072% | 6,784 |
| Retained earnings to average equity (ytd only) | -5.3072% | 6,637 |
| Net charge-offs to loans | 1.1950% | 907 |
| Credit loss provision to net charge-offs | 87.1736% | 3,128 |
| Earnings coverage of net charge-offs (x) | -0.6375% | 5,261 |
| Efficiency ratio | 110.9081% | 318 |
| Assets per employee ($millions) | 4.9805% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 2,292 |
| Loan loss allowance to noncurrent loans | 47.3726% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 4.5841% | 1,068 |
| Noncurrent loans to loans | 4.1720% | 1,314 |
| Net loans and leases to total assets | 43.0370% | 6,106 |
| Net loans and leases to deposits | 47.6293% | 6,334 |
| Net loans and leases to core deposits | 50.3843% | 6,322 |
| Total domestic deposits to total assets | 90.3582% | 734 |
| Equity capital to assets | 7.5381% | 6,785 |
| Core capital (leverage) ratio | 7.2681% | 6,733 |
| Tier 1 risk-based capital ratio | 14.0958% | 4,371 |
| Total risk-based capital ratio | 15.3509% | 4,334 |
| Memoranda: | ||
| Average total assets | $500,363,000 | 1,350 |
| Average earning assets | $458,659,000 | 1,347 |
| Average equity | $37,043,670 | 1,879 |
| Average total loans | $217,902,670 | 1,872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 6,378 |
| Cost of funding earning assets | 0.9245% | 2,481 |
| Net interest margin | 2.8111% | 6,623 |
| Noninterest income to average assets | 0.4967% | 3,931 |
| Noninterest expense to average assets | 3.3619% | 2,111 |
| Loan and lease loss provision to assets | 0.7348% | 696 |
| Net operating income to assets | -1.2448% | 7,039 |
| Return on assets (ROA) | -0.4762% | 6,843 |
| Pretax return on assets | 0.1792% | 6,238 |
| Return on Equity (ROE) | -6.4887% | 6,906 |
| Retained earnings to average equity (ytd only) | -6.4887% | 6,691 |
| Net charge-offs to loans | 0.4964% | 1,851 |
| Credit loss provision to net charge-offs | 341.2409% | 887 |
| Earnings coverage of net charge-offs (x) | -1.3321% | 4,576 |
| Efficiency ratio | 109.3279% | 348 |
| Assets per employee ($millions) | 5.5291% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,643 |
| Loan loss allowance to noncurrent loans | 59.8617% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 4.5482% | 1,168 |
| Noncurrent loans to loans | 3.8688% | 1,596 |
| Net loans and leases to total assets | 42.0834% | 6,186 |
| Net loans and leases to deposits | 46.3130% | 6,407 |
| Net loans and leases to core deposits | 48.9908% | 6,398 |
| Total domestic deposits to total assets | 90.8675% | 612 |
| Equity capital to assets | 7.2219% | 6,875 |
| Core capital (leverage) ratio | 7.0556% | 6,820 |
| Tier 1 risk-based capital ratio | 14.1738% | 4,338 |
| Total risk-based capital ratio | 15.4327% | 4,307 |
| Memoranda: | ||
| Average total assets | $508,992,000 | 1,336 |
| Average earning assets | $466,862,500 | 1,333 |
| Average equity | $37,357,000 | 1,868 |
| Average total loans | $220,801,000 | 1,855 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 5,883 |
| Cost of funding earning assets | 1.1460% | 2,370 |
| Net interest margin | 3.1146% | 6,312 |
| Noninterest income to average assets | 0.6659% | 2,805 |
| Noninterest expense to average assets | 2.3211% | 5,997 |
| Loan and lease loss provision to assets | 1.5063% | 489 |
| Net operating income to assets | -0.6638% | 6,586 |
| Return on assets (ROA) | -0.6650% | 6,623 |
| Pretax return on assets | -0.3433% | 6,377 |
| Return on Equity (ROE) | -8.0143% | 6,680 |
| Retained earnings to average equity (ytd only) | -8.0143% | 6,627 |
| Net charge-offs to loans | 3.6749% | 191 |
| Credit loss provision to net charge-offs | 84.0743% | 4,278 |
| Earnings coverage of net charge-offs (x) | 0.6498% | 5,335 |
| Efficiency ratio | 66.5963% | 4,638 |
| Assets per employee ($millions) | 5.8504% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 2,454 |
| Loan loss allowance to noncurrent loans | 36.5811% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 5.0610% | 1,052 |
| Noncurrent loans to loans | 5.2998% | 1,024 |
| Net loans and leases to total assets | 42.8255% | 6,314 |
| Net loans and leases to deposits | 47.2791% | 6,546 |
| Net loans and leases to core deposits | 49.9513% | 6,532 |
| Total domestic deposits to total assets | 90.5801% | 673 |
| Equity capital to assets | 7.4542% | 6,828 |
| Core capital (leverage) ratio | 7.6221% | 6,590 |
| Tier 1 risk-based capital ratio | 13.5010% | 4,694 |
| Total risk-based capital ratio | 14.7554% | 4,655 |
| Memoranda: | ||
| Average total assets | $489,598,800 | 1,366 |
| Average earning assets | $443,208,800 | 1,361 |
| Average equity | $40,627,200 | 1,658 |
| Average total loans | $238,699,800 | 1,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 5,424 |
| Cost of funding earning assets | 1.2151% | 2,226 |
| Net interest margin | 3.2365% | 6,055 |
| Noninterest income to average assets | 0.4814% | 4,028 |
| Noninterest expense to average assets | 2.0095% | 6,671 |
| Loan and lease loss provision to assets | 1.1311% | 717 |
| Net operating income to assets | 0.2282% | 5,623 |
| Return on assets (ROA) | 0.2268% | 5,761 |
| Pretax return on assets | 0.2571% | 5,793 |
| Return on Equity (ROE) | 2.6608% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.6608% | 4,762 |
| Net charge-offs to loans | 2.2810% | 524 |
| Credit loss provision to net charge-offs | 98.9621% | 3,450 |
| Earnings coverage of net charge-offs (x) | 1.2160% | 4,712 |
| Efficiency ratio | 59.1138% | 5,849 |
| Assets per employee ($millions) | 5.9889% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5220% | 1,368 |
| Loan loss allowance to noncurrent loans | 42.2653% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 5.6801% | 971 |
| Noncurrent loans to loans | 5.9670% | 937 |
| Net loans and leases to total assets | 46.6722% | 6,086 |
| Net loans and leases to deposits | 52.5146% | 6,329 |
| Net loans and leases to core deposits | 56.0139% | 6,319 |
| Total domestic deposits to total assets | 88.8748% | 1,502 |
| Equity capital to assets | 8.9871% | 5,771 |
| Core capital (leverage) ratio | 8.3423% | 5,926 |
| Tier 1 risk-based capital ratio | 14.4614% | 4,004 |
| Total risk-based capital ratio | 15.7218% | 3,967 |
| Memoranda: | ||
| Average total assets | $483,289,500 | 1,385 |
| Average earning assets | $435,728,250 | 1,402 |
| Average equity | $41,189,750 | 1,633 |
| Average total loans | $242,164,750 | 1,743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 5,226 |
| Cost of funding earning assets | 1.2713% | 2,112 |
| Net interest margin | 3.2675% | 5,944 |
| Noninterest income to average assets | 0.4619% | 4,173 |
| Noninterest expense to average assets | 2.0206% | 6,747 |
| Loan and lease loss provision to assets | 1.1096% | 734 |
| Net operating income to assets | 0.2336% | 5,619 |
| Return on assets (ROA) | 0.2314% | 5,747 |
| Pretax return on assets | 0.2593% | 5,778 |
| Return on Equity (ROE) | 2.7634% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.7634% | 4,522 |
| Net charge-offs to loans | 2.0236% | 661 |
| Credit loss provision to net charge-offs | 107.8706% | 2,850 |
| Earnings coverage of net charge-offs (x) | 1.3332% | 4,289 |
| Efficiency ratio | 59.5711% | 5,934 |
| Assets per employee ($millions) | 5.9771% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5049% | 1,443 |
| Loan loss allowance to noncurrent loans | 38.4337% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 5.6621% | 1,028 |
| Noncurrent loans to loans | 6.5174% | 853 |
| Net loans and leases to total assets | 49.0698% | 5,940 |
| Net loans and leases to deposits | 55.1030% | 6,218 |
| Net loans and leases to core deposits | 58.8759% | 6,201 |
| Total domestic deposits to total assets | 89.0510% | 1,506 |
| Equity capital to assets | 8.8375% | 5,774 |
| Core capital (leverage) ratio | 8.2179% | 6,004 |
| Tier 1 risk-based capital ratio | 13.5867% | 4,463 |
| Total risk-based capital ratio | 14.8467% | 4,437 |
| Memoranda: | ||
| Average total assets | $486,678,330 | 1,383 |
| Average earning assets | $436,419,330 | 1,407 |
| Average equity | $40,746,330 | 1,644 |
| Average total loans | $247,376,330 | 1,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 5,266 |
| Cost of funding earning assets | 1.3660% | 1,798 |
| Net interest margin | 3.1548% | 6,207 |
| Noninterest income to average assets | 0.4851% | 4,008 |
| Noninterest expense to average assets | 2.0416% | 6,753 |
| Loan and lease loss provision to assets | 1.0123% | 754 |
| Net operating income to assets | 0.2017% | 5,779 |
| Return on assets (ROA) | 0.2017% | 5,839 |
| Pretax return on assets | 0.2292% | 5,873 |
| Return on Equity (ROE) | 2.4743% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.4743% | 4,670 |
| Net charge-offs to loans | 1.8506% | 697 |
| Credit loss provision to net charge-offs | 107.1123% | 2,495 |
| Earnings coverage of net charge-offs (x) | 1.3136% | 3,691 |
| Efficiency ratio | 62.1855% | 5,652 |
| Assets per employee ($millions) | 5.7807% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3579% | 1,665 |
| Loan loss allowance to noncurrent loans | 29.6441% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.5556% | 1,082 |
| Noncurrent loans to loans | 7.9539% | 632 |
| Net loans and leases to total assets | 49.7959% | 5,877 |
| Net loans and leases to deposits | 55.5251% | 6,174 |
| Net loans and leases to core deposits | 59.6010% | 6,127 |
| Total domestic deposits to total assets | 89.6819% | 1,370 |
| Equity capital to assets | 8.2997% | 6,164 |
| Core capital (leverage) ratio | 7.6496% | 6,601 |
| Tier 1 risk-based capital ratio | 13.0865% | 4,760 |
| Total risk-based capital ratio | 14.3451% | 4,734 |
| Memoranda: | ||
| Average total assets | $493,922,000 | 1,368 |
| Average earning assets | $438,066,000 | 1,409 |
| Average equity | $40,254,500 | 1,657 |
| Average total loans | $252,236,500 | 1,717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 5,906 |
| Cost of funding earning assets | 1.8303% | 1,058 |
| Net interest margin | 2.8365% | 6,984 |
| Noninterest income to average assets | 0.4996% | 4,173 |
| Noninterest expense to average assets | 1.9399% | 7,106 |
| Loan and lease loss provision to assets | 0.8872% | 1,845 |
| Net operating income to assets | 0.2423% | 5,127 |
| Return on assets (ROA) | 0.2423% | 5,281 |
| Pretax return on assets | 0.2747% | 5,300 |
| Return on Equity (ROE) | 3.0290% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.0290% | 3,727 |
| Net charge-offs to loans | 1.8378% | 1,138 |
| Credit loss provision to net charge-offs | 93.8602% | 4,953 |
| Earnings coverage of net charge-offs (x) | 1.2292% | 4,878 |
| Efficiency ratio | 62.5411% | 5,619 |
| Assets per employee ($millions) | 6.2783% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 1,791 |
| Loan loss allowance to noncurrent loans | 35.2178% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 4.6659% | 1,416 |
| Noncurrent loans to loans | 6.3636% | 956 |
| Net loans and leases to total assets | 49.9894% | 6,171 |
| Net loans and leases to deposits | 56.1881% | 6,428 |
| Net loans and leases to core deposits | 60.7671% | 6,334 |
| Total domestic deposits to total assets | 88.9681% | 1,681 |
| Equity capital to assets | 8.0052% | 6,494 |
| Core capital (leverage) ratio | 7.8668% | 6,362 |
| Tier 1 risk-based capital ratio | 12.9260% | 4,657 |
| Total risk-based capital ratio | 14.1837% | 4,624 |
| Memoranda: | ||
| Average total assets | $510,020,400 | 1,312 |
| Average earning assets | $467,902,000 | 1,312 |
| Average equity | $40,806,000 | 1,623 |
| Average total loans | $262,330,200 | 1,689 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 6,186 |
| Cost of funding earning assets | 1.8601% | 1,164 |
| Net interest margin | 2.7914% | 7,140 |
| Noninterest income to average assets | 0.4951% | 4,227 |
| Noninterest expense to average assets | 1.9019% | 7,206 |
| Loan and lease loss provision to assets | 0.8529% | 1,779 |
| Net operating income to assets | 0.2917% | 5,202 |
| Return on assets (ROA) | 0.2917% | 5,370 |
| Pretax return on assets | 0.3474% | 5,378 |
| Return on Equity (ROE) | 3.6461% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.6461% | 3,885 |
| Net charge-offs to loans | 1.5123% | 1,327 |
| Credit loss provision to net charge-offs | 109.4952% | 3,880 |
| Earnings coverage of net charge-offs (x) | 1.5410% | 4,570 |
| Efficiency ratio | 61.3079% | 5,735 |
| Assets per employee ($millions) | 6.3331% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4359% | 1,422 |
| Loan loss allowance to noncurrent loans | 48.1276% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.7325% | 1,904 |
| Noncurrent loans to loans | 5.0614% | 1,360 |
| Net loans and leases to total assets | 49.4697% | 6,380 |
| Net loans and leases to deposits | 55.1789% | 6,675 |
| Net loans and leases to core deposits | 59.9536% | 6,604 |
| Total domestic deposits to total assets | 89.6533% | 1,049 |
| Equity capital to assets | 8.2266% | 6,581 |
| Core capital (leverage) ratio | 7.7269% | 6,642 |
| Tier 1 risk-based capital ratio | 12.8860% | 4,661 |
| Total risk-based capital ratio | 14.1459% | 4,645 |
| Memoranda: | ||
| Average total assets | $511,960,000 | 1,314 |
| Average earning assets | $478,168,500 | 1,297 |
| Average equity | $40,955,750 | 1,619 |
| Average total loans | $263,704,250 | 1,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 6,274 |
| Cost of funding earning assets | 1.8783% | 1,315 |
| Net interest margin | 2.7819% | 7,168 |
| Noninterest income to average assets | 0.4812% | 4,274 |
| Noninterest expense to average assets | 1.8967% | 7,268 |
| Loan and lease loss provision to assets | 0.8796% | 1,656 |
| Net operating income to assets | 0.2721% | 5,289 |
| Return on assets (ROA) | 0.2721% | 5,437 |
| Pretax return on assets | 0.3045% | 5,481 |
| Return on Equity (ROE) | 3.4336% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.4336% | 3,922 |
| Net charge-offs to loans | 1.4156% | 1,347 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.6155% | 4,287 |
| Efficiency ratio | 61.5658% | 5,760 |
| Assets per employee ($millions) | 6.4339% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4386% | 1,379 |
| Loan loss allowance to noncurrent loans | 45.7601% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.5717% | 1,965 |
| Noncurrent loans to loans | 5.3291% | 1,260 |
| Net loans and leases to total assets | 49.3381% | 6,509 |
| Net loans and leases to deposits | 54.9066% | 6,799 |
| Net loans and leases to core deposits | 59.6232% | 6,736 |
| Total domestic deposits to total assets | 89.8582% | 989 |
| Equity capital to assets | 7.9829% | 6,767 |
| Core capital (leverage) ratio | 7.5558% | 6,774 |
| Tier 1 risk-based capital ratio | 12.7698% | 4,632 |
| Total risk-based capital ratio | 14.0301% | 4,592 |
| Memoranda: | ||
| Average total assets | $511,619,000 | 1,325 |
| Average earning assets | $478,090,000 | 1,298 |
| Average equity | $40,540,670 | 1,638 |
| Average total loans | $264,903,330 | 1,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 6,346 |
| Cost of funding earning assets | 1.8875% | 1,502 |
| Net interest margin | 2.7814% | 7,207 |
| Noninterest income to average assets | 0.4262% | 4,697 |
| Noninterest expense to average assets | 1.9217% | 7,298 |
| Loan and lease loss provision to assets | 0.8878% | 1,430 |
| Net operating income to assets | 0.2012% | 5,686 |
| Return on assets (ROA) | 0.2012% | 5,802 |
| Pretax return on assets | 0.2147% | 5,834 |
| Return on Equity (ROE) | 2.5494% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.5494% | 4,603 |
| Net charge-offs to loans | 1.4956% | 1,154 |
| Credit loss provision to net charge-offs | 113.2931% | 3,067 |
| Earnings coverage of net charge-offs (x) | 1.4068% | 3,904 |
| Efficiency ratio | 63.5438% | 5,580 |
| Assets per employee ($millions) | 6.3950% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3274% | 1,533 |
| Loan loss allowance to noncurrent loans | 42.2174% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 3.5521% | 1,975 |
| Noncurrent loans to loans | 5.5128% | 1,267 |
| Net loans and leases to total assets | 49.4905% | 6,529 |
| Net loans and leases to deposits | 55.0222% | 6,843 |
| Net loans and leases to core deposits | 60.4153% | 6,714 |
| Total domestic deposits to total assets | 89.9466% | 1,015 |
| Equity capital to assets | 7.7370% | 6,898 |
| Core capital (leverage) ratio | 7.5060% | 6,844 |
| Tier 1 risk-based capital ratio | 12.6280% | 4,622 |
| Total risk-based capital ratio | 13.8871% | 4,580 |
| Memoranda: | ||
| Average total assets | $506,854,000 | 1,369 |
| Average earning assets | $473,426,500 | 1,345 |
| Average equity | $40,009,500 | 1,677 |
| Average total loans | $265,579,000 | 1,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 5,636 |
| Cost of funding earning assets | 2.4601% | 1,123 |
| Net interest margin | 2.7428% | 7,150 |
| Noninterest income to average assets | 0.5524% | 4,002 |
| Noninterest expense to average assets | 1.9116% | 7,486 |
| Loan and lease loss provision to assets | 0.9136% | 2,465 |
| Net operating income to assets | 0.2375% | 4,768 |
| Return on assets (ROA) | 0.2545% | 4,787 |
| Pretax return on assets | 0.2838% | 4,808 |
| Return on Equity (ROE) | 3.1211% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.1211% | 2,976 |
| Net charge-offs to loans | 1.3947% | 1,801 |
| Credit loss provision to net charge-offs | 115.2726% | 4,732 |
| Earnings coverage of net charge-offs (x) | 1.4870% | 4,639 |
| Efficiency ratio | 61.8601% | 6,177 |
| Assets per employee ($millions) | 5.9673% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2799% | 1,518 |
| Loan loss allowance to noncurrent loans | 50.1284% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 3.2582% | 2,107 |
| Noncurrent loans to loans | 4.5481% | 1,554 |
| Net loans and leases to total assets | 53.0122% | 6,307 |
| Net loans and leases to deposits | 59.1719% | 6,694 |
| Net loans and leases to core deposits | 83.8212% | 5,730 |
| Total domestic deposits to total assets | 89.5902% | 1,163 |
| Equity capital to assets | 8.0616% | 6,515 |
| Core capital (leverage) ratio | 8.1872% | 5,837 |
| Tier 1 risk-based capital ratio | 12.7087% | 4,356 |
| Total risk-based capital ratio | 13.9679% | 4,287 |
| Memoranda: | ||
| Average total assets | $476,681,000 | 1,455 |
| Average earning assets | $441,042,000 | 1,432 |
| Average equity | $38,864,000 | 1,723 |
| Average total loans | $270,889,400 | 1,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 5,440 |
| Cost of funding earning assets | 2.6083% | 1,012 |
| Net interest margin | 2.6885% | 7,228 |
| Noninterest income to average assets | 0.5493% | 4,080 |
| Noninterest expense to average assets | 1.8902% | 7,559 |
| Loan and lease loss provision to assets | 0.6927% | 2,658 |
| Net operating income to assets | 0.3548% | 4,575 |
| Return on assets (ROA) | 0.3748% | 4,600 |
| Pretax return on assets | 0.4744% | 4,596 |
| Return on Equity (ROE) | 4.5834% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.5834% | 2,712 |
| Net charge-offs to loans | 1.2376% | 1,650 |
| Credit loss provision to net charge-offs | 97.3486% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.6047% | 4,598 |
| Efficiency ratio | 62.3421% | 6,050 |
| Assets per employee ($millions) | 5.6668% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 1,789 |
| Loan loss allowance to noncurrent loans | 36.3343% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 3.8793% | 1,659 |
| Noncurrent loans to loans | 5.5182% | 1,134 |
| Net loans and leases to total assets | 55.5271% | 6,195 |
| Net loans and leases to deposits | 62.6471% | 6,615 |
| Net loans and leases to core deposits | 92.0978% | 5,224 |
| Total domestic deposits to total assets | 88.6348% | 1,370 |
| Equity capital to assets | 8.4813% | 6,270 |
| Core capital (leverage) ratio | 8.2311% | 5,963 |
| Tier 1 risk-based capital ratio | 12.6684% | 4,422 |
| Total risk-based capital ratio | 13.9246% | 4,366 |
| Memoranda: | ||
| Average total assets | $473,521,500 | 1,484 |
| Average earning assets | $437,260,000 | 1,458 |
| Average equity | $38,718,250 | 1,749 |
| Average total loans | $272,249,000 | 1,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3601% | 5,355 |
| Cost of funding earning assets | 2.6902% | 1,058 |
| Net interest margin | 2.6699% | 7,267 |
| Noninterest income to average assets | 0.5213% | 4,265 |
| Noninterest expense to average assets | 1.8888% | 7,640 |
| Loan and lease loss provision to assets | 0.6135% | 2,600 |
| Net operating income to assets | 0.3744% | 4,604 |
| Return on assets (ROA) | 0.4045% | 4,608 |
| Pretax return on assets | 0.5111% | 4,581 |
| Return on Equity (ROE) | 5.0096% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.0096% | 2,498 |
| Net charge-offs to loans | 1.0692% | 1,688 |
| Credit loss provision to net charge-offs | 99.3151% | 4,636 |
| Earnings coverage of net charge-offs (x) | 1.7589% | 4,238 |
| Efficiency ratio | 63.4812% | 6,006 |
| Assets per employee ($millions) | 5.3392% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 1,566 |
| Loan loss allowance to noncurrent loans | 31.1414% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 4.1398% | 1,404 |
| Noncurrent loans to loans | 6.4224% | 830 |
| Net loans and leases to total assets | 56.9929% | 6,089 |
| Net loans and leases to deposits | 64.2770% | 6,536 |
| Net loans and leases to core deposits | 92.9934% | 5,236 |
| Total domestic deposits to total assets | 88.6676% | 1,451 |
| Equity capital to assets | 8.1173% | 6,610 |
| Core capital (leverage) ratio | 8.1603% | 6,054 |
| Tier 1 risk-based capital ratio | 12.5477% | 4,490 |
| Total risk-based capital ratio | 13.8044% | 4,401 |
| Memoranda: | ||
| Average total assets | $472,690,670 | 1,504 |
| Average earning assets | $434,469,000 | 1,484 |
| Average equity | $38,167,000 | 1,793 |
| Average total loans | $273,090,330 | 1,805 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3259% | 5,778 |
| Cost of funding earning assets | 2.7656% | 1,069 |
| Net interest margin | 2.5603% | 7,426 |
| Noninterest income to average assets | 0.4801% | 4,509 |
| Noninterest expense to average assets | 1.7295% | 7,788 |
| Loan and lease loss provision to assets | 0.6328% | 1,995 |
| Net operating income to assets | 0.3847% | 4,922 |
| Return on assets (ROA) | 0.3847% | 5,104 |
| Pretax return on assets | 0.4632% | 5,199 |
| Return on Equity (ROE) | 4.7772% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.7772% | 3,248 |
| Net charge-offs to loans | 1.1062% | 1,230 |
| Credit loss provision to net charge-offs | 99.3377% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.7205% | 3,872 |
| Efficiency ratio | 61.2123% | 6,215 |
| Assets per employee ($millions) | 5.1467% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9847% | 1,454 |
| Loan loss allowance to noncurrent loans | 37.3787% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.2229% | 1,716 |
| Noncurrent loans to loans | 5.3096% | 998 |
| Net loans and leases to total assets | 56.4392% | 6,174 |
| Net loans and leases to deposits | 63.4523% | 6,609 |
| Net loans and leases to core deposits | 90.8315% | 5,471 |
| Total domestic deposits to total assets | 88.9475% | 1,254 |
| Equity capital to assets | 8.0204% | 6,773 |
| Core capital (leverage) ratio | 7.7817% | 6,774 |
| Tier 1 risk-based capital ratio | 12.2368% | 4,761 |
| Total risk-based capital ratio | 13.4931% | 4,663 |
| Memoranda: | ||
| Average total assets | $474,112,000 | 1,512 |
| Average earning assets | $434,331,000 | 1,492 |
| Average equity | $38,181,000 | 1,785 |
| Average total loans | $273,013,000 | 1,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1875% | 4,579 |
| Cost of funding earning assets | 3.2412% | 1,065 |
| Net interest margin | 2.9463% | 7,045 |
| Noninterest income to average assets | 0.5782% | 4,021 |
| Noninterest expense to average assets | 1.8439% | 7,699 |
| Loan and lease loss provision to assets | 1.0527% | 1,386 |
| Net operating income to assets | 0.3222% | 5,470 |
| Return on assets (ROA) | 0.3216% | 5,291 |
| Pretax return on assets | 0.3857% | 5,304 |
| Return on Equity (ROE) | 3.6908% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.6908% | 2,850 |
| Net charge-offs to loans | 0.6386% | 1,930 |
| Credit loss provision to net charge-offs | 276.0922% | 1,655 |
| Earnings coverage of net charge-offs (x) | 3.7743% | 4,226 |
| Efficiency ratio | 56.1663% | 6,982 |
| Assets per employee ($millions) | 5.1602% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,176 |
| Loan loss allowance to noncurrent loans | 46.5997% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.6524% | 1,804 |
| Noncurrent loans to loans | 4.3448% | 1,101 |
| Net loans and leases to total assets | 56.4202% | 6,386 |
| Net loans and leases to deposits | 63.3585% | 6,852 |
| Net loans and leases to core deposits | 90.8364% | 5,731 |
| Total domestic deposits to total assets | 89.0492% | 1,025 |
| Equity capital to assets | 8.0866% | 6,723 |
| Core capital (leverage) ratio | 8.3639% | 5,829 |
| Tier 1 risk-based capital ratio | 12.2317% | 4,648 |
| Total risk-based capital ratio | 13.4882% | 4,531 |
| Memoranda: | ||
| Average total assets | $432,228,800 | 1,579 |
| Average earning assets | $396,799,200 | 1,570 |
| Average equity | $37,661,400 | 1,794 |
| Average total loans | $258,065,600 | 1,850 |