Home > Eaton Community Bank > Performance and Condition Ratios
Eaton Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 1,747 |
| Cost of funding earning assets | 1.2544% | 2,648 |
| Net interest margin | 3.9045% | 1,364 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8712% | 1,329 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.8470% | 2,716 |
| Return on assets (ROA) | 0.8035% | 2,838 |
| Pretax return on assets | 0.9674% | 2,758 |
| Return on Equity (ROE) | 6.9500% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.9504% | 1,905 |
| Net charge-offs to loans | 0.0240% | 1,835 |
| Credit loss provision to net charge-offs | 330.1887% | 895 |
| Earnings coverage of net charge-offs (x) | 98.6604% | 910 |
| Efficiency ratio | 69.8566% | 1,898 |
| Assets per employee ($millions) | 5.3378% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,381 |
| Loan loss allowance to noncurrent loans | 333.4789% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,500 |
| Noncurrent loans to loans | 0.2957% | 2,120 |
| Net loans and leases to total assets | 51.3000% | 3,522 |
| Net loans and leases to deposits | 67.7148% | 3,056 |
| Net loans and leases to core deposits | 72.0126% | 3,188 |
| Total domestic deposits to total assets | 75.7600% | 3,964 |
| Equity capital to assets | 12.5582% | 975 |
| Core capital (leverage) ratio | 14.5762% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $446,781,400 | 1,867 |
| Average earning assets | $398,205,800 | 1,913 |
| Average equity | $51,651,800 | 1,567 |
| Average total loans | $220,856,000 | 2,156 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 1,718 |
| Cost of funding earning assets | 1.1760% | 2,506 |
| Net interest margin | 3.8804% | 1,446 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.8184% | 1,393 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.7721% | 3,105 |
| Return on assets (ROA) | 0.7127% | 3,277 |
| Pretax return on assets | 0.8432% | 3,237 |
| Return on Equity (ROE) | 6.3000% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.3010% | 2,537 |
| Net charge-offs to loans | 0.0196% | 1,731 |
| Credit loss provision to net charge-offs | 1,387.5000% | 319 |
| Earnings coverage of net charge-offs (x) | 127.6875% | 813 |
| Efficiency ratio | 68.5697% | 1,957 |
| Assets per employee ($millions) | 5.4527% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,730 |
| Loan loss allowance to noncurrent loans | 629.2683% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 2,960 |
| Noncurrent loans to loans | 0.1795% | 2,646 |
| Net loans and leases to total assets | 51.1400% | 3,547 |
| Net loans and leases to deposits | 65.5211% | 3,172 |
| Net loans and leases to core deposits | 69.8303% | 3,213 |
| Total domestic deposits to total assets | 78.0400% | 3,811 |
| Equity capital to assets | 11.4366% | 1,206 |
| Core capital (leverage) ratio | 14.2258% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $446,382,250 | 1,866 |
| Average earning assets | $398,054,500 | 1,911 |
| Average equity | $50,487,750 | 1,587 |
| Average total loans | $217,995,000 | 2,173 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 1,643 |
| Cost of funding earning assets | 1.0736% | 2,369 |
| Net interest margin | 3.8799% | 1,461 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.8141% | 1,387 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 0.8320% | 2,983 |
| Return on assets (ROA) | 0.7443% | 3,253 |
| Pretax return on assets | 0.8840% | 3,209 |
| Return on Equity (ROE) | 6.6000% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.6046% | 2,419 |
| Net charge-offs to loans | -0.0019% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.8172% | 2,002 |
| Assets per employee ($millions) | 4.9557% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,846 |
| Loan loss allowance to noncurrent loans | 390.5213% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,546 |
| Noncurrent loans to loans | 0.2868% | 2,117 |
| Net loans and leases to total assets | 49.4900% | 3,589 |
| Net loans and leases to deposits | 63.6427% | 3,219 |
| Net loans and leases to core deposits | 67.2013% | 3,278 |
| Total domestic deposits to total assets | 77.7600% | 3,875 |
| Equity capital to assets | 11.7972% | 1,106 |
| Core capital (leverage) ratio | 14.1453% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $447,953,333 | 1,862 |
| Average earning assets | $400,321,333 | 1,907 |
| Average equity | $50,479,667 | 1,590 |
| Average total loans | $214,516,667 | 2,192 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 1,636 |
| Cost of funding earning assets | 0.9704% | 2,151 |
| Net interest margin | 3.8240% | 1,635 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.7177% | 1,626 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 0.7091% | 3,443 |
| Return on assets (ROA) | 0.5308% | 3,789 |
| Pretax return on assets | 0.6167% | 3,814 |
| Return on Equity (ROE) | 4.8200% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.8206% | 3,061 |
| Net charge-offs to loans | -0.0246% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3054% | 1,939 |
| Assets per employee ($millions) | 5.0363% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,247 |
| Loan loss allowance to noncurrent loans | 369.0554% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,539 |
| Noncurrent loans to loans | 0.2875% | 2,119 |
| Net loans and leases to total assets | 47.6800% | 3,654 |
| Net loans and leases to deposits | 61.0554% | 3,276 |
| Net loans and leases to core deposits | 63.8966% | 3,352 |
| Total domestic deposits to total assets | 78.0900% | 4,001 |
| Equity capital to assets | 11.5532% | 1,136 |
| Core capital (leverage) ratio | 13.4835% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $451,403,000 | 1,876 |
| Average earning assets | $403,553,000 | 1,926 |
| Average equity | $49,703,500 | 1,618 |
| Average total loans | $211,405,500 | 2,229 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 2,180 |
| Cost of funding earning assets | 0.4274% | 1,883 |
| Net interest margin | 3.4082% | 2,230 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.7610% | 1,416 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8534% | 3,138 |
| Return on assets (ROA) | 0.8534% | 3,075 |
| Pretax return on assets | 0.9754% | 3,146 |
| Return on Equity (ROE) | 7.3100% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.3129% | 2,101 |
| Net charge-offs to loans | -0.0155% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7008% | 1,474 |
| Assets per employee ($millions) | 5.4072% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,437 |
| Loan loss allowance to noncurrent loans | 515.6250% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,652 |
| Noncurrent loans to loans | 0.2753% | 2,171 |
| Net loans and leases to total assets | 44.8800% | 3,852 |
| Net loans and leases to deposits | 59.6392% | 3,351 |
| Net loans and leases to core deposits | 61.1007% | 3,443 |
| Total domestic deposits to total assets | 75.2500% | 4,298 |
| Equity capital to assets | 10.4879% | 1,458 |
| Core capital (leverage) ratio | 13.9130% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $441,758,200 | 1,882 |
| Average earning assets | $395,402,400 | 1,930 |
| Average equity | $51,552,400 | 1,574 |
| Average total loans | $193,800,400 | 2,283 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 2,354 |
| Cost of funding earning assets | 0.4071% | 1,240 |
| Net interest margin | 3.1913% | 2,650 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.7157% | 1,438 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6889% | 3,595 |
| Return on assets (ROA) | 0.6889% | 3,556 |
| Pretax return on assets | 0.7675% | 3,658 |
| Return on Equity (ROE) | 5.7300% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.7306% | 2,844 |
| Net charge-offs to loans | -0.0078% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.0802% | 1,072 |
| Assets per employee ($millions) | 5.3455% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,410 |
| Loan loss allowance to noncurrent loans | 387.4667% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,408 |
| Noncurrent loans to loans | 0.3776% | 1,880 |
| Net loans and leases to total assets | 45.7600% | 3,778 |
| Net loans and leases to deposits | 54.7036% | 3,565 |
| Net loans and leases to core deposits | 56.0562% | 3,624 |
| Total domestic deposits to total assets | 83.6500% | 3,570 |
| Equity capital to assets | 10.8248% | 1,241 |
| Core capital (leverage) ratio | 13.4448% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $437,790,000 | 1,904 |
| Average earning assets | $393,979,500 | 1,948 |
| Average equity | $52,628,000 | 1,575 |
| Average total loans | $189,217,500 | 2,321 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 2,479 |
| Cost of funding earning assets | 0.4091% | 864 |
| Net interest margin | 2.9780% | 2,945 |
| Noninterest income to average assets | 0.7579% | 1,154 |
| Noninterest expense to average assets | 2.6381% | 1,530 |
| Loan and lease loss provision to assets | 0.0408% | 1,848 |
| Net operating income to assets | 0.7104% | 3,276 |
| Return on assets (ROA) | 0.7104% | 3,226 |
| Pretax return on assets | 0.7770% | 3,385 |
| Return on Equity (ROE) | 5.7123% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.7123% | 2,429 |
| Net charge-offs to loans | -0.0258% | 3,991 |
| Credit loss provision to net charge-offs | -375.0000% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3015% | 1,360 |
| Assets per employee ($millions) | 5.4237% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,379 |
| Loan loss allowance to noncurrent loans | 123.9327% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 1,072 |
| Noncurrent loans to loans | 1.2181% | 652 |
| Net loans and leases to total assets | 42.6821% | 3,923 |
| Net loans and leases to deposits | 52.1557% | 3,672 |
| Net loans and leases to core deposits | 53.6390% | 3,716 |
| Total domestic deposits to total assets | 81.8359% | 4,027 |
| Equity capital to assets | 11.4093% | 1,059 |
| Core capital (leverage) ratio | 13.1107% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,460,000 | 1,899 |
| Average earning assets | $399,936,000 | 1,945 |
| Average equity | $54,899,333 | 1,550 |
| Average total loans | $186,089,667 | 2,339 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 2,437 |
| Cost of funding earning assets | 0.4130% | 805 |
| Net interest margin | 2.8708% | 2,925 |
| Noninterest income to average assets | 1.0277% | 649 |
| Noninterest expense to average assets | 2.4884% | 1,910 |
| Loan and lease loss provision to assets | 0.0407% | 1,627 |
| Net operating income to assets | 0.9599% | 2,033 |
| Return on assets (ROA) | 0.9599% | 2,030 |
| Pretax return on assets | 1.1064% | 2,120 |
| Return on Equity (ROE) | 7.4152% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.4152% | 1,758 |
| Net charge-offs to loans | -0.0130% | 3,699 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4540% | 2,574 |
| Assets per employee ($millions) | 5.5916% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,489 |
| Loan loss allowance to noncurrent loans | 306.5431% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,402 |
| Noncurrent loans to loans | 0.4967% | 1,785 |
| Net loans and leases to total assets | 40.6427% | 3,969 |
| Net loans and leases to deposits | 50.0571% | 3,728 |
| Net loans and leases to core deposits | 51.4213% | 3,773 |
| Total domestic deposits to total assets | 81.1926% | 4,182 |
| Equity capital to assets | 12.1565% | 902 |
| Core capital (leverage) ratio | 12.6179% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,531,000 | 1,902 |
| Average earning assets | $401,977,500 | 1,947 |
| Average equity | $57,287,500 | 1,541 |
| Average total loans | $183,942,500 | 2,344 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,351 |
| Cost of funding earning assets | 0.5198% | 847 |
| Net interest margin | 2.7270% | 3,823 |
| Noninterest income to average assets | 0.6752% | 1,850 |
| Noninterest expense to average assets | 3.4490% | 517 |
| Loan and lease loss provision to assets | 0.0399% | 2,241 |
| Net operating income to assets | -0.3989% | 4,751 |
| Return on assets (ROA) | -0.3973% | 4,756 |
| Pretax return on assets | -0.3197% | 4,745 |
| Return on Equity (ROE) | -2.7913% | 4,747 |
| Retained earnings to average equity (ytd only) | -2.7913% | 4,652 |
| Net charge-offs to loans | -0.0165% | 3,911 |
| Credit loss provision to net charge-offs | -550.0000% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6714% | 106 |
| Assets per employee ($millions) | 5.7597% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,531 |
| Loan loss allowance to noncurrent loans | 276.5531% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,413 |
| Noncurrent loans to loans | 0.5446% | 1,763 |
| Net loans and leases to total assets | 41.2369% | 4,017 |
| Net loans and leases to deposits | 51.9155% | 3,744 |
| Net loans and leases to core deposits | 53.3350% | 3,804 |
| Total domestic deposits to total assets | 79.4308% | 4,270 |
| Equity capital to assets | 13.7516% | 716 |
| Core capital (leverage) ratio | 12.6794% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,730,600 | 1,861 |
| Average earning assets | $402,827,200 | 1,898 |
| Average equity | $62,729,600 | 1,463 |
| Average total loans | $194,174,800 | 2,275 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 3,542 |
| Cost of funding earning assets | 0.5357% | 889 |
| Net interest margin | 2.6970% | 3,987 |
| Noninterest income to average assets | 0.8064% | 1,505 |
| Noninterest expense to average assets | 2.3961% | 2,452 |
| Loan and lease loss provision to assets | 0.0399% | 2,199 |
| Net operating income to assets | 0.7173% | 3,727 |
| Return on assets (ROA) | 0.7173% | 3,790 |
| Pretax return on assets | 0.8381% | 3,822 |
| Return on Equity (ROE) | 4.9975% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.9975% | 3,219 |
| Net charge-offs to loans | -0.0196% | 3,962 |
| Credit loss provision to net charge-offs | -455.1724% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9952% | 1,403 |
| Assets per employee ($millions) | 5.6693% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,757 |
| Loan loss allowance to noncurrent loans | 255.7022% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,592 |
| Noncurrent loans to loans | 0.5738% | 1,870 |
| Net loans and leases to total assets | 40.6821% | 4,174 |
| Net loans and leases to deposits | 52.0214% | 3,884 |
| Net loans and leases to core deposits | 54.0980% | 3,911 |
| Total domestic deposits to total assets | 78.2025% | 4,401 |
| Equity capital to assets | 14.3657% | 661 |
| Core capital (leverage) ratio | 13.5270% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,479,000 | 1,883 |
| Average earning assets | $403,941,500 | 1,905 |
| Average equity | $63,363,000 | 1,472 |
| Average total loans | $196,901,250 | 2,290 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 3,652 |
| Cost of funding earning assets | 0.5554% | 915 |
| Net interest margin | 2.6578% | 4,064 |
| Noninterest income to average assets | 0.9109% | 1,244 |
| Noninterest expense to average assets | 2.4253% | 2,374 |
| Loan and lease loss provision to assets | 0.0391% | 2,216 |
| Net operating income to assets | 0.7411% | 3,659 |
| Return on assets (ROA) | 0.7411% | 3,724 |
| Pretax return on assets | 0.8840% | 3,692 |
| Return on Equity (ROE) | 5.1655% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.1655% | 3,127 |
| Net charge-offs to loans | -0.0060% | 3,488 |
| Credit loss provision to net charge-offs | -1,433.3333% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2072% | 1,504 |
| Assets per employee ($millions) | 5.5998% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,064 |
| Loan loss allowance to noncurrent loans | 239.0597% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 2,680 |
| Noncurrent loans to loans | 0.5763% | 1,957 |
| Net loans and leases to total assets | 42.7846% | 4,124 |
| Net loans and leases to deposits | 54.9716% | 3,799 |
| Net loans and leases to core deposits | 57.1706% | 3,822 |
| Total domestic deposits to total assets | 77.8305% | 4,444 |
| Equity capital to assets | 14.5641% | 607 |
| Core capital (leverage) ratio | 13.3081% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,366,000 | 1,881 |
| Average earning assets | $402,959,333 | 1,901 |
| Average equity | $63,034,000 | 1,464 |
| Average total loans | $200,917,333 | 2,272 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1512% | 3,779 |
| Cost of funding earning assets | 0.5746% | 993 |
| Net interest margin | 2.5767% | 4,192 |
| Noninterest income to average assets | 0.8377% | 1,497 |
| Noninterest expense to average assets | 2.5068% | 2,156 |
| Loan and lease loss provision to assets | 0.0402% | 2,246 |
| Net operating income to assets | 0.5646% | 4,030 |
| Return on assets (ROA) | 0.5646% | 4,081 |
| Pretax return on assets | 0.6504% | 4,109 |
| Return on Equity (ROE) | 3.9656% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.9656% | 3,515 |
| Net charge-offs to loans | -0.0331% | 4,217 |
| Credit loss provision to net charge-offs | -258.8235% | 3,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1143% | 1,030 |
| Assets per employee ($millions) | 5.4792% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,520 |
| Loan loss allowance to noncurrent loans | 216.4872% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 2,809 |
| Noncurrent loans to loans | 0.5917% | 2,089 |
| Net loans and leases to total assets | 44.8239% | 4,053 |
| Net loans and leases to deposits | 58.3054% | 3,622 |
| Net loans and leases to core deposits | 60.8351% | 3,651 |
| Total domestic deposits to total assets | 76.8778% | 4,527 |
| Equity capital to assets | 13.8301% | 708 |
| Core capital (leverage) ratio | 13.3933% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,857,500 | 1,875 |
| Average earning assets | $400,985,000 | 1,899 |
| Average equity | $62,336,500 | 1,470 |
| Average total loans | $205,418,000 | 2,242 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 3,520 |
| Cost of funding earning assets | 0.6848% | 1,809 |
| Net interest margin | 3.0367% | 3,802 |
| Noninterest income to average assets | 0.7244% | 1,768 |
| Noninterest expense to average assets | 2.6589% | 2,361 |
| Loan and lease loss provision to assets | 0.0731% | 3,474 |
| Net operating income to assets | 0.6422% | 3,619 |
| Return on assets (ROA) | 0.6422% | 3,742 |
| Pretax return on assets | 0.7578% | 3,744 |
| Return on Equity (ROE) | 4.3114% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.3114% | 2,644 |
| Net charge-offs to loans | -0.0223% | 4,457 |
| Credit loss provision to net charge-offs | -582.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8146% | 1,355 |
| Assets per employee ($millions) | 5.0167% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,779 |
| Loan loss allowance to noncurrent loans | 191.4479% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 2,747 |
| Noncurrent loans to loans | 0.6445% | 2,067 |
| Net loans and leases to total assets | 47.9057% | 3,981 |
| Net loans and leases to deposits | 63.5360% | 3,473 |
| Net loans and leases to core deposits | 66.6135% | 3,495 |
| Total domestic deposits to total assets | 75.3993% | 4,546 |
| Equity capital to assets | 14.6652% | 641 |
| Core capital (leverage) ratio | 14.1040% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,978,800 | 1,872 |
| Average earning assets | $362,435,600 | 1,894 |
| Average equity | $59,284,400 | 1,460 |
| Average total loans | $224,355,800 | 2,079 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,566 |
| Cost of funding earning assets | 0.7045% | 2,002 |
| Net interest margin | 3.0969% | 3,749 |
| Noninterest income to average assets | 0.6624% | 1,936 |
| Noninterest expense to average assets | 2.6556% | 2,375 |
| Loan and lease loss provision to assets | 0.0688% | 3,469 |
| Net operating income to assets | 0.6447% | 3,645 |
| Return on assets (ROA) | 0.6447% | 3,741 |
| Pretax return on assets | 0.7556% | 3,764 |
| Return on Equity (ROE) | 4.3097% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.3097% | 2,893 |
| Net charge-offs to loans | -0.0297% | 4,530 |
| Credit loss provision to net charge-offs | -396.0784% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8775% | 1,317 |
| Assets per employee ($millions) | 4.9125% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,175 |
| Loan loss allowance to noncurrent loans | 176.0000% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 2,585 |
| Noncurrent loans to loans | 0.6288% | 2,222 |
| Net loans and leases to total assets | 54.0018% | 3,805 |
| Net loans and leases to deposits | 72.1397% | 3,120 |
| Net loans and leases to core deposits | 75.9451% | 3,169 |
| Total domestic deposits to total assets | 74.8573% | 4,513 |
| Equity capital to assets | 14.8842% | 661 |
| Core capital (leverage) ratio | 14.1912% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,868,750 | 1,873 |
| Average earning assets | $355,612,500 | 1,900 |
| Average equity | $58,471,750 | 1,467 |
| Average total loans | $228,737,000 | 2,042 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 3,626 |
| Cost of funding earning assets | 0.7224% | 2,275 |
| Net interest margin | 3.1752% | 3,733 |
| Noninterest income to average assets | 0.6344% | 1,995 |
| Noninterest expense to average assets | 2.6970% | 2,392 |
| Loan and lease loss provision to assets | 0.0592% | 3,561 |
| Net operating income to assets | 0.6489% | 3,584 |
| Return on assets (ROA) | 0.6489% | 3,673 |
| Pretax return on assets | 0.7626% | 3,699 |
| Return on Equity (ROE) | 4.3316% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.3316% | 2,766 |
| Net charge-offs to loans | -0.0381% | 4,611 |
| Credit loss provision to net charge-offs | -259.0909% | 3,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1549% | 1,351 |
| Assets per employee ($millions) | 4.5264% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,426 |
| Loan loss allowance to noncurrent loans | 154.3322% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 2,685 |
| Noncurrent loans to loans | 0.6656% | 2,198 |
| Net loans and leases to total assets | 57.2995% | 3,579 |
| Net loans and leases to deposits | 76.8188% | 2,776 |
| Net loans and leases to core deposits | 80.6676% | 2,900 |
| Total domestic deposits to total assets | 74.5905% | 4,553 |
| Equity capital to assets | 14.9010% | 633 |
| Core capital (leverage) ratio | 14.4396% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,246,333 | 1,867 |
| Average earning assets | $349,962,333 | 1,896 |
| Average equity | $57,715,667 | 1,469 |
| Average total loans | $230,765,667 | 2,010 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,690 |
| Cost of funding earning assets | 0.7456% | 2,690 |
| Net interest margin | 3.2912% | 3,612 |
| Noninterest income to average assets | 0.6031% | 2,026 |
| Noninterest expense to average assets | 2.8444% | 2,294 |
| Loan and lease loss provision to assets | 0.0454% | 3,209 |
| Net operating income to assets | 0.5978% | 3,601 |
| Return on assets (ROA) | 0.5978% | 3,659 |
| Pretax return on assets | 0.6971% | 3,691 |
| Return on Equity (ROE) | 3.9792% | 3,957 |
| Retained earnings to average equity (ytd only) | 3.9792% | 2,688 |
| Net charge-offs to loans | -0.0710% | 4,735 |
| Credit loss provision to net charge-offs | -104.8780% | 3,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8269% | 1,358 |
| Assets per employee ($millions) | 4.1542% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,755 |
| Loan loss allowance to noncurrent loans | 213.0919% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,262 |
| Noncurrent loans to loans | 0.4654% | 2,857 |
| Net loans and leases to total assets | 59.9526% | 3,498 |
| Net loans and leases to deposits | 82.5770% | 2,375 |
| Net loans and leases to core deposits | 86.7524% | 2,617 |
| Total domestic deposits to total assets | 72.6021% | 4,748 |
| Equity capital to assets | 14.7994% | 803 |
| Core capital (leverage) ratio | 15.0071% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,708,000 | 1,852 |
| Average earning assets | $343,337,000 | 1,876 |
| Average equity | $56,896,500 | 1,477 |
| Average total loans | $230,845,500 | 1,984 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 3,632 |
| Cost of funding earning assets | 0.8000% | 2,681 |
| Net interest margin | 3.4655% | 3,548 |
| Noninterest income to average assets | 0.5799% | 2,316 |
| Noninterest expense to average assets | 2.9772% | 2,071 |
| Loan and lease loss provision to assets | -0.0003% | 4,897 |
| Net operating income to assets | 0.6432% | 4,028 |
| Return on assets (ROA) | 0.5878% | 4,255 |
| Pretax return on assets | 0.6772% | 4,261 |
| Return on Equity (ROE) | 3.8438% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.8438% | 3,050 |
| Net charge-offs to loans | 0.0097% | 3,338 |
| Credit loss provision to net charge-offs | -4.5455% | 4,101 |
| Earnings coverage of net charge-offs (x) | 122.7727% | 581 |
| Efficiency ratio | 78.5988% | 1,081 |
| Assets per employee ($millions) | 4.0785% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,697 |
| Loan loss allowance to noncurrent loans | 184.5576% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,141 |
| Noncurrent loans to loans | 0.5203% | 2,622 |
| Net loans and leases to total assets | 60.7772% | 3,527 |
| Net loans and leases to deposits | 83.0158% | 2,438 |
| Net loans and leases to core deposits | 87.1848% | 2,688 |
| Total domestic deposits to total assets | 73.2116% | 4,817 |
| Equity capital to assets | 15.2524% | 735 |
| Core capital (leverage) ratio | 14.9207% | 706 |
| Tier 1 risk-based capital ratio | 22.5898% | 952 |
| Total risk-based capital ratio | 23.4897% | 974 |
| Memoranda: | ||
| Average total assets | $364,742,200 | 1,862 |
| Average earning assets | $330,260,000 | 1,878 |
| Average equity | $55,777,800 | 1,448 |
| Average total loans | $226,603,200 | 1,977 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 3,666 |
| Cost of funding earning assets | 0.7880% | 2,774 |
| Net interest margin | 3.5081% | 3,537 |
| Noninterest income to average assets | 0.5619% | 2,403 |
| Noninterest expense to average assets | 2.9639% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6700% | 4,106 |
| Return on assets (ROA) | 0.5957% | 4,358 |
| Pretax return on assets | 0.6874% | 4,375 |
| Return on Equity (ROE) | 3.8930% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.8930% | 3,455 |
| Net charge-offs to loans | -0.0201% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8303% | 1,121 |
| Assets per employee ($millions) | 3.9948% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,652 |
| Loan loss allowance to noncurrent loans | 125.5119% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 2,582 |
| Noncurrent loans to loans | 0.7857% | 2,004 |
| Net loans and leases to total assets | 61.2975% | 3,564 |
| Net loans and leases to deposits | 84.0703% | 2,446 |
| Net loans and leases to core deposits | 87.9853% | 2,733 |
| Total domestic deposits to total assets | 72.9121% | 4,874 |
| Equity capital to assets | 15.4221% | 744 |
| Core capital (leverage) ratio | 14.7879% | 791 |
| Tier 1 risk-based capital ratio | 22.6250% | 994 |
| Total risk-based capital ratio | 23.5593% | 1,004 |
| Memoranda: | ||
| Average total assets | $362,121,250 | 1,892 |
| Average earning assets | $327,727,500 | 1,903 |
| Average equity | $55,414,500 | 1,459 |
| Average total loans | $225,688,250 | 2,001 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 3,800 |
| Cost of funding earning assets | 0.7660% | 2,821 |
| Net interest margin | 3.4825% | 3,650 |
| Noninterest income to average assets | 0.5490% | 2,390 |
| Noninterest expense to average assets | 2.9470% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6563% | 4,143 |
| Return on assets (ROA) | 0.5122% | 4,537 |
| Pretax return on assets | 0.5846% | 4,571 |
| Return on Equity (ROE) | 3.3451% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.3451% | 3,559 |
| Net charge-offs to loans | -0.0125% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7499% | 986 |
| Assets per employee ($millions) | 3.8897% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,596 |
| Loan loss allowance to noncurrent loans | 106.9967% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,308 |
| Noncurrent loans to loans | 0.9384% | 1,736 |
| Net loans and leases to total assets | 59.9784% | 3,733 |
| Net loans and leases to deposits | 82.2664% | 2,702 |
| Net loans and leases to core deposits | 86.5680% | 2,918 |
| Total domestic deposits to total assets | 72.9075% | 4,914 |
| Equity capital to assets | 15.2329% | 759 |
| Core capital (leverage) ratio | 14.6785% | 777 |
| Tier 1 risk-based capital ratio | 23.3449% | 910 |
| Total risk-based capital ratio | 24.3190% | 913 |
| Memoranda: | ||
| Average total assets | $359,215,000 | 1,903 |
| Average earning assets | $324,533,000 | 1,931 |
| Average equity | $55,006,330 | 1,454 |
| Average total loans | $224,206,000 | 2,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 3,755 |
| Cost of funding earning assets | 0.7136% | 2,985 |
| Net interest margin | 3.5239% | 3,524 |
| Noninterest income to average assets | 0.5660% | 2,199 |
| Noninterest expense to average assets | 2.7509% | 2,739 |
| Loan and lease loss provision to assets | -0.0034% | 5,190 |
| Net operating income to assets | 0.8710% | 3,346 |
| Return on assets (ROA) | 0.8710% | 3,394 |
| Pretax return on assets | 0.9987% | 3,441 |
| Return on Equity (ROE) | 5.6728% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.6728% | 2,607 |
| Net charge-offs to loans | -0.0178% | 4,440 |
| Credit loss provision to net charge-offs | 30.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4318% | 1,822 |
| Assets per employee ($millions) | 3.9837% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 3,695 |
| Loan loss allowance to noncurrent loans | 114.5706% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 2,452 |
| Noncurrent loans to loans | 0.8746% | 1,895 |
| Net loans and leases to total assets | 59.7622% | 3,733 |
| Net loans and leases to deposits | 81.4218% | 2,678 |
| Net loans and leases to core deposits | 85.3677% | 2,925 |
| Total domestic deposits to total assets | 73.3983% | 4,973 |
| Equity capital to assets | 14.8880% | 776 |
| Core capital (leverage) ratio | 14.7018% | 767 |
| Tier 1 risk-based capital ratio | 24.4453% | 803 |
| Total risk-based capital ratio | 25.4659% | 806 |
| Memoranda: | ||
| Average total assets | $354,061,000 | 1,935 |
| Average earning assets | $319,529,000 | 1,960 |
| Average equity | $54,365,000 | 1,463 |
| Average total loans | $224,368,000 | 2,029 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 4,043 |
| Cost of funding earning assets | 0.5516% | 3,040 |
| Net interest margin | 3.4438% | 3,871 |
| Noninterest income to average assets | 0.6059% | 2,259 |
| Noninterest expense to average assets | 3.3943% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2822% | 5,032 |
| Return on assets (ROA) | 0.2455% | 5,062 |
| Pretax return on assets | 0.2799% | 5,062 |
| Return on Equity (ROE) | 1.4418% | 5,117 |
| Retained earnings to average equity (ytd only) | 1.4418% | 4,556 |
| Net charge-offs to loans | -0.0191% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3457% | 296 |
| Assets per employee ($millions) | 3.6697% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,745 |
| Loan loss allowance to noncurrent loans | 104.4413% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 2,105 |
| Noncurrent loans to loans | 0.9503% | 1,698 |
| Net loans and leases to total assets | 66.0089% | 3,133 |
| Net loans and leases to deposits | 82.2421% | 2,702 |
| Net loans and leases to core deposits | 85.8299% | 2,930 |
| Total domestic deposits to total assets | 80.2617% | 4,053 |
| Equity capital to assets | 15.8593% | 559 |
| Core capital (leverage) ratio | 15.6681% | 573 |
| Tier 1 risk-based capital ratio | 26.9005% | 619 |
| Total risk-based capital ratio | 28.0390% | 618 |
| Memoranda: | ||
| Average total assets | $311,585,200 | 2,082 |
| Average earning assets | $281,375,800 | 2,126 |
| Average equity | $53,060,000 | 1,442 |
| Average total loans | $199,453,000 | 2,180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 4,156 |
| Cost of funding earning assets | 0.5533% | 2,840 |
| Net interest margin | 3.3679% | 4,110 |
| Noninterest income to average assets | 0.5769% | 2,437 |
| Noninterest expense to average assets | 3.2931% | 1,314 |
| Loan and lease loss provision to assets | -0.0009% | 5,193 |
| Net operating income to assets | 0.2831% | 5,109 |
| Return on assets (ROA) | 0.2828% | 5,102 |
| Pretax return on assets | 0.3304% | 5,108 |
| Return on Equity (ROE) | 1.6295% | 5,173 |
| Retained earnings to average equity (ytd only) | 1.6295% | 4,690 |
| Net charge-offs to loans | -0.0428% | 4,876 |
| Credit loss provision to net charge-offs | 3.2258% | 3,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8926% | 301 |
| Assets per employee ($millions) | 3.7952% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,698 |
| Loan loss allowance to noncurrent loans | 137.4771% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 2,699 |
| Noncurrent loans to loans | 0.7340% | 2,243 |
| Net loans and leases to total assets | 64.0777% | 3,415 |
| Net loans and leases to deposits | 79.3064% | 3,112 |
| Net loans and leases to core deposits | 82.6661% | 3,280 |
| Total domestic deposits to total assets | 80.7977% | 3,918 |
| Equity capital to assets | 15.2612% | 670 |
| Core capital (leverage) ratio | 14.8514% | 735 |
| Tier 1 risk-based capital ratio | 26.7177% | 634 |
| Total risk-based capital ratio | 27.8631% | 633 |
| Memoranda: | ||
| Average total assets | $305,078,500 | 2,130 |
| Average earning assets | $275,928,500 | 2,169 |
| Average equity | $52,939,250 | 1,453 |
| Average total loans | $193,044,250 | 2,233 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,417 |
| Cost of funding earning assets | 0.5554% | 2,564 |
| Net interest margin | 3.2138% | 4,468 |
| Noninterest income to average assets | 0.5445% | 2,602 |
| Noninterest expense to average assets | 2.9453% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4217% | 4,917 |
| Return on assets (ROA) | 0.4217% | 4,923 |
| Pretax return on assets | 0.5116% | 4,883 |
| Return on Equity (ROE) | 2.3200% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.3200% | 4,345 |
| Net charge-offs to loans | -0.0077% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2013% | 618 |
| Assets per employee ($millions) | 4.0688% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,653 |
| Loan loss allowance to noncurrent loans | 235.1121% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,258 |
| Noncurrent loans to loans | 0.5151% | 2,875 |
| Net loans and leases to total assets | 62.2093% | 3,576 |
| Net loans and leases to deposits | 80.7116% | 2,876 |
| Net loans and leases to core deposits | 86.4159% | 2,886 |
| Total domestic deposits to total assets | 77.0761% | 4,725 |
| Equity capital to assets | 18.3681% | 297 |
| Core capital (leverage) ratio | 18.8122% | 278 |
| Tier 1 risk-based capital ratio | 35.9689% | 308 |
| Total risk-based capital ratio | 37.2218% | 297 |
| Memoranda: | ||
| Average total assets | $291,649,670 | 2,223 |
| Average earning assets | $264,295,330 | 2,253 |
| Average equity | $53,016,670 | 1,459 |
| Average total loans | $182,873,000 | 2,329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,385 |
| Cost of funding earning assets | 0.5528% | 2,383 |
| Net interest margin | 3.1859% | 4,517 |
| Noninterest income to average assets | 0.4655% | 3,028 |
| Noninterest expense to average assets | 2.8379% | 2,579 |
| Loan and lease loss provision to assets | 0.0014% | 3,498 |
| Net operating income to assets | 0.4218% | 4,882 |
| Return on assets (ROA) | 0.4218% | 4,888 |
| Pretax return on assets | 0.5133% | 4,850 |
| Return on Equity (ROE) | 2.3324% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.3324% | 4,233 |
| Net charge-offs to loans | 0.0393% | 1,746 |
| Credit loss provision to net charge-offs | 5.5556% | 2,187 |
| Earnings coverage of net charge-offs (x) | 20.9444% | 1,450 |
| Efficiency ratio | 84.6498% | 749 |
| Assets per employee ($millions) | 4.0519% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,861 |
| Loan loss allowance to noncurrent loans | 161.4074% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,930 |
| Noncurrent loans to loans | 0.7380% | 2,361 |
| Net loans and leases to total assets | 61.9572% | 3,556 |
| Net loans and leases to deposits | 80.9540% | 2,705 |
| Net loans and leases to core deposits | 87.7685% | 2,648 |
| Total domestic deposits to total assets | 76.5339% | 4,917 |
| Equity capital to assets | 18.1182% | 302 |
| Core capital (leverage) ratio | 18.3237% | 294 |
| Tier 1 risk-based capital ratio | 36.4659% | 293 |
| Total risk-based capital ratio | 37.7183% | 286 |
| Memoranda: | ||
| Average total assets | $293,031,500 | 2,235 |
| Average earning assets | $265,549,000 | 2,267 |
| Average equity | $52,993,500 | 1,464 |
| Average total loans | $183,351,000 | 2,338 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 4,342 |
| Cost of funding earning assets | 0.5515% | 1,939 |
| Net interest margin | 3.1466% | 4,586 |
| Noninterest income to average assets | 0.5170% | 2,892 |
| Noninterest expense to average assets | 2.7785% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4557% | 4,511 |
| Return on assets (ROA) | 0.4557% | 4,543 |
| Pretax return on assets | 0.5878% | 4,766 |
| Return on Equity (ROE) | 2.5508% | 4,934 |
| Retained earnings to average equity (ytd only) | 2.5508% | 3,798 |
| Net charge-offs to loans | -0.0669% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5382% | 885 |
| Assets per employee ($millions) | 3.8751% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,819 |
| Loan loss allowance to noncurrent loans | 219.3806% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 3,489 |
| Noncurrent loans to loans | 0.5447% | 2,868 |
| Net loans and leases to total assets | 61.6530% | 3,664 |
| Net loans and leases to deposits | 80.5373% | 2,859 |
| Net loans and leases to core deposits | 86.9940% | 2,826 |
| Total domestic deposits to total assets | 76.5521% | 4,914 |
| Equity capital to assets | 18.0691% | 305 |
| Core capital (leverage) ratio | 18.2333% | 282 |
| Tier 1 risk-based capital ratio | 35.7344% | 301 |
| Total risk-based capital ratio | 36.9867% | 299 |
| Memoranda: | ||
| Average total assets | $295,158,200 | 2,194 |
| Average earning assets | $267,271,000 | 2,228 |
| Average equity | $52,729,200 | 1,460 |
| Average total loans | $180,980,800 | 2,321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,358 |
| Cost of funding earning assets | 0.5516% | 1,881 |
| Net interest margin | 3.1360% | 4,606 |
| Noninterest income to average assets | 0.5151% | 2,938 |
| Noninterest expense to average assets | 2.6303% | 3,318 |
| Loan and lease loss provision to assets | -0.0005% | 5,428 |
| Net operating income to assets | 0.5368% | 4,629 |
| Return on assets (ROA) | 0.5368% | 4,661 |
| Pretax return on assets | 0.7269% | 4,537 |
| Return on Equity (ROE) | 3.0134% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.0134% | 4,114 |
| Net charge-offs to loans | -0.0399% | 5,092 |
| Credit loss provision to net charge-offs | 1.8519% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3591% | 1,282 |
| Assets per employee ($millions) | 3.9076% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,122 |
| Loan loss allowance to noncurrent loans | 178.0753% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 3,228 |
| Noncurrent loans to loans | 0.6540% | 2,748 |
| Net loans and leases to total assets | 61.6255% | 3,697 |
| Net loans and leases to deposits | 80.6454% | 2,906 |
| Net loans and leases to core deposits | 87.4949% | 2,823 |
| Total domestic deposits to total assets | 76.4154% | 4,968 |
| Equity capital to assets | 18.2044% | 319 |
| Core capital (leverage) ratio | 18.2187% | 292 |
| Tier 1 risk-based capital ratio | 35.8161% | 310 |
| Total risk-based capital ratio | 37.0681% | 305 |
| Memoranda: | ||
| Average total assets | $295,320,750 | 2,207 |
| Average earning assets | $267,596,250 | 2,238 |
| Average equity | $52,607,750 | 1,476 |
| Average total loans | $180,283,750 | 2,332 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,283 |
| Cost of funding earning assets | 0.5502% | 1,776 |
| Net interest margin | 3.1305% | 4,601 |
| Noninterest income to average assets | 0.4945% | 3,056 |
| Noninterest expense to average assets | 2.6041% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5424% | 4,561 |
| Return on assets (ROA) | 0.5424% | 4,596 |
| Pretax return on assets | 0.7309% | 4,473 |
| Return on Equity (ROE) | 3.0672% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.0672% | 3,886 |
| Net charge-offs to loans | -0.0435% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0839% | 1,451 |
| Assets per employee ($millions) | 3.8852% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,241 |
| Loan loss allowance to noncurrent loans | 239.4111% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,646 |
| Noncurrent loans to loans | 0.4849% | 3,294 |
| Net loans and leases to total assets | 60.9507% | 3,748 |
| Net loans and leases to deposits | 79.3390% | 2,990 |
| Net loans and leases to core deposits | 87.3875% | 2,758 |
| Total domestic deposits to total assets | 76.8231% | 4,986 |
| Equity capital to assets | 17.9177% | 330 |
| Core capital (leverage) ratio | 17.8748% | 306 |
| Tier 1 risk-based capital ratio | 35.1079% | 302 |
| Total risk-based capital ratio | 36.3593% | 297 |
| Memoranda: | ||
| Average total assets | $296,070,330 | 2,213 |
| Average earning assets | $268,643,330 | 2,245 |
| Average equity | $52,359,670 | 1,485 |
| Average total loans | $179,466,670 | 2,345 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,263 |
| Cost of funding earning assets | 0.5473% | 1,734 |
| Net interest margin | 3.1069% | 4,632 |
| Noninterest income to average assets | 0.4830% | 3,086 |
| Noninterest expense to average assets | 2.5392% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5397% | 4,424 |
| Return on assets (ROA) | 0.5397% | 4,468 |
| Pretax return on assets | 0.7623% | 4,234 |
| Return on Equity (ROE) | 3.0718% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.0718% | 3,876 |
| Net charge-offs to loans | 0.0831% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.2703% | 1,682 |
| Efficiency ratio | 76.9105% | 1,771 |
| Assets per employee ($millions) | 3.9911% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,563 |
| Loan loss allowance to noncurrent loans | 142.9173% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 3,058 |
| Noncurrent loans to loans | 0.7857% | 2,492 |
| Net loans and leases to total assets | 59.9538% | 3,791 |
| Net loans and leases to deposits | 77.4806% | 3,032 |
| Net loans and leases to core deposits | 85.7550% | 2,740 |
| Total domestic deposits to total assets | 77.3791% | 5,057 |
| Equity capital to assets | 17.4922% | 340 |
| Core capital (leverage) ratio | 17.8305% | 298 |
| Tier 1 risk-based capital ratio | 35.4643% | 315 |
| Total risk-based capital ratio | 36.7152% | 308 |
| Memoranda: | ||
| Average total assets | $296,469,000 | 2,227 |
| Average earning assets | $268,950,000 | 2,256 |
| Average equity | $52,086,500 | 1,483 |
| Average total loans | $178,157,500 | 2,380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,295 |
| Cost of funding earning assets | 0.5371% | 1,810 |
| Net interest margin | 3.1384% | 4,619 |
| Noninterest income to average assets | 0.7631% | 1,910 |
| Noninterest expense to average assets | 2.8201% | 2,958 |
| Loan and lease loss provision to assets | 0.0031% | 4,291 |
| Net operating income to assets | 0.6396% | 4,045 |
| Return on assets (ROA) | 0.6396% | 4,153 |
| Pretax return on assets | 0.8050% | 4,175 |
| Return on Equity (ROE) | 3.6257% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.6257% | 3,344 |
| Net charge-offs to loans | -0.0423% | 5,350 |
| Credit loss provision to net charge-offs | -12.8571% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7284% | 1,733 |
| Assets per employee ($millions) | 4.1919% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,199 |
| Loan loss allowance to noncurrent loans | 148.4263% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 3,203 |
| Noncurrent loans to loans | 0.7997% | 2,513 |
| Net loans and leases to total assets | 58.8680% | 3,979 |
| Net loans and leases to deposits | 76.3701% | 3,280 |
| Net loans and leases to core deposits | 84.6844% | 2,959 |
| Total domestic deposits to total assets | 77.0826% | 5,110 |
| Equity capital to assets | 17.6069% | 331 |
| Core capital (leverage) ratio | 17.9832% | 288 |
| Tier 1 risk-based capital ratio | 35.2311% | 312 |
| Total risk-based capital ratio | 36.4827% | 307 |
| Memoranda: | ||
| Average total assets | $291,441,000 | 2,219 |
| Average earning assets | $266,058,400 | 2,244 |
| Average equity | $51,411,200 | 1,484 |
| Average total loans | $165,290,400 | 2,461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,282 |
| Cost of funding earning assets | 0.5380% | 1,804 |
| Net interest margin | 3.1527% | 4,628 |
| Noninterest income to average assets | 0.8386% | 1,614 |
| Noninterest expense to average assets | 2.7748% | 3,098 |
| Loan and lease loss provision to assets | 0.0009% | 4,183 |
| Net operating income to assets | 0.7639% | 3,537 |
| Return on assets (ROA) | 0.7639% | 3,675 |
| Pretax return on assets | 0.9472% | 3,823 |
| Return on Equity (ROE) | 4.3285% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.3285% | 3,239 |
| Net charge-offs to loans | -0.0254% | 5,094 |
| Credit loss provision to net charge-offs | -6.4516% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5323% | 2,180 |
| Assets per employee ($millions) | 4.0171% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,128 |
| Loan loss allowance to noncurrent loans | 118.1024% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 3,083 |
| Noncurrent loans to loans | 1.0316% | 2,179 |
| Net loans and leases to total assets | 56.8794% | 4,209 |
| Net loans and leases to deposits | 72.7773% | 3,728 |
| Net loans and leases to core deposits | 80.7878% | 3,371 |
| Total domestic deposits to total assets | 78.1555% | 4,886 |
| Equity capital to assets | 18.1789% | 331 |
| Core capital (leverage) ratio | 17.9703% | 308 |
| Tier 1 risk-based capital ratio | 37.6922% | 268 |
| Total risk-based capital ratio | 38.9449% | 267 |
| Memoranda: | ||
| Average total assets | $290,942,250 | 2,227 |
| Average earning assets | $266,174,250 | 2,247 |
| Average equity | $51,347,750 | 1,494 |
| Average total loans | $162,909,250 | 2,492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,231 |
| Cost of funding earning assets | 0.5407% | 1,774 |
| Net interest margin | 3.1780% | 4,616 |
| Noninterest income to average assets | 0.4624% | 3,444 |
| Noninterest expense to average assets | 2.6798% | 3,452 |
| Loan and lease loss provision to assets | 0.0014% | 4,005 |
| Net operating income to assets | 0.5015% | 4,673 |
| Return on assets (ROA) | 0.5015% | 4,781 |
| Pretax return on assets | 0.6847% | 4,668 |
| Return on Equity (ROE) | 2.8702% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.8702% | 4,079 |
| Net charge-offs to loans | 0.0198% | 3,101 |
| Credit loss provision to net charge-offs | 12.5000% | 2,979 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 852 |
| Efficiency ratio | 79.6168% | 1,542 |
| Assets per employee ($millions) | 4.1052% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 3,303 |
| Loan loss allowance to noncurrent loans | 126.4031% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 3,287 |
| Noncurrent loans to loans | 0.9575% | 2,366 |
| Net loans and leases to total assets | 55.5059% | 4,359 |
| Net loans and leases to deposits | 70.5610% | 3,931 |
| Net loans and leases to core deposits | 78.3684% | 3,616 |
| Total domestic deposits to total assets | 78.6637% | 4,857 |
| Equity capital to assets | 17.7703% | 360 |
| Core capital (leverage) ratio | 17.4368% | 331 |
| Tier 1 risk-based capital ratio | 36.8987% | 288 |
| Total risk-based capital ratio | 38.1505% | 286 |
| Memoranda: | ||
| Average total assets | $291,512,670 | 2,235 |
| Average earning assets | $266,327,330 | 2,258 |
| Average equity | $50,937,330 | 1,509 |
| Average total loans | $161,698,330 | 2,513 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,151 |
| Cost of funding earning assets | 0.5429% | 1,773 |
| Net interest margin | 3.2034% | 4,567 |
| Noninterest income to average assets | 0.4240% | 3,655 |
| Noninterest expense to average assets | 2.6596% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5036% | 4,620 |
| Return on assets (ROA) | 0.5036% | 4,715 |
| Pretax return on assets | 0.6875% | 4,565 |
| Return on Equity (ROE) | 2.9116% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.9116% | 4,060 |
| Net charge-offs to loans | 0.0299% | 2,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 990 |
| Efficiency ratio | 79.4588% | 1,673 |
| Assets per employee ($millions) | 4.2160% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 3,282 |
| Loan loss allowance to noncurrent loans | 122.7723% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 2,953 |
| Noncurrent loans to loans | 1.0054% | 2,373 |
| Net loans and leases to total assets | 54.5719% | 4,396 |
| Net loans and leases to deposits | 69.1367% | 3,945 |
| Net loans and leases to core deposits | 76.7661% | 3,604 |
| Total domestic deposits to total assets | 78.9334% | 4,980 |
| Equity capital to assets | 17.5067% | 376 |
| Core capital (leverage) ratio | 17.3879% | 341 |
| Tier 1 risk-based capital ratio | 35.8916% | 308 |
| Total risk-based capital ratio | 37.1435% | 306 |
| Memoranda: | ||
| Average total assets | $291,477,500 | 2,238 |
| Average earning assets | $265,964,500 | 2,262 |
| Average equity | $50,419,500 | 1,519 |
| Average total loans | $160,665,000 | 2,518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,255 |
| Cost of funding earning assets | 0.5587% | 1,688 |
| Net interest margin | 3.1760% | 4,696 |
| Noninterest income to average assets | 0.4223% | 3,872 |
| Noninterest expense to average assets | 2.7424% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4250% | 4,969 |
| Return on assets (ROA) | 0.4250% | 5,051 |
| Pretax return on assets | 0.5774% | 4,914 |
| Return on Equity (ROE) | 2.5015% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.5015% | 4,291 |
| Net charge-offs to loans | 0.0472% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.1507% | 1,742 |
| Efficiency ratio | 82.6078% | 1,322 |
| Assets per employee ($millions) | 4.2948% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 3,223 |
| Loan loss allowance to noncurrent loans | 126.4892% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 2,841 |
| Noncurrent loans to loans | 0.9826% | 2,373 |
| Net loans and leases to total assets | 54.3049% | 4,476 |
| Net loans and leases to deposits | 68.4549% | 4,086 |
| Net loans and leases to core deposits | 76.4028% | 3,720 |
| Total domestic deposits to total assets | 79.3295% | 4,900 |
| Equity capital to assets | 17.0899% | 398 |
| Core capital (leverage) ratio | 17.2610% | 337 |
| Tier 1 risk-based capital ratio | 35.2589% | 331 |
| Total risk-based capital ratio | 36.5111% | 328 |
| Memoranda: | ||
| Average total assets | $292,703,600 | 2,192 |
| Average earning assets | $267,033,800 | 2,222 |
| Average equity | $49,730,800 | 1,500 |
| Average total loans | $154,715,000 | 2,534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,310 |
| Cost of funding earning assets | 0.5588% | 1,724 |
| Net interest margin | 3.1768% | 4,752 |
| Noninterest income to average assets | 0.4102% | 4,006 |
| Noninterest expense to average assets | 2.6901% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4507% | 4,969 |
| Return on assets (ROA) | 0.4507% | 5,057 |
| Pretax return on assets | 0.6187% | 4,927 |
| Return on Equity (ROE) | 2.6566% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.6566% | 4,522 |
| Net charge-offs to loans | 0.0818% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.4574% | 2,252 |
| Efficiency ratio | 81.3016% | 1,489 |
| Assets per employee ($millions) | 4.1473% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 3,143 |
| Loan loss allowance to noncurrent loans | 118.6899% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 2,872 |
| Noncurrent loans to loans | 1.0886% | 2,305 |
| Net loans and leases to total assets | 51.9715% | 4,762 |
| Net loans and leases to deposits | 65.6754% | 4,409 |
| Net loans and leases to core deposits | 73.7864% | 4,033 |
| Total domestic deposits to total assets | 79.1339% | 4,945 |
| Equity capital to assets | 17.3075% | 404 |
| Core capital (leverage) ratio | 17.1394% | 370 |
| Tier 1 risk-based capital ratio | 37.1612% | 299 |
| Total risk-based capital ratio | 38.4140% | 296 |
| Memoranda: | ||
| Average total assets | $292,867,250 | 2,203 |
| Average earning assets | $267,218,250 | 2,233 |
| Average equity | $49,685,750 | 1,504 |
| Average total loans | $153,245,500 | 2,562 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,186 |
| Cost of funding earning assets | 0.5562% | 1,767 |
| Net interest margin | 3.2116% | 4,625 |
| Noninterest income to average assets | 0.3820% | 4,223 |
| Noninterest expense to average assets | 2.6692% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4644% | 4,922 |
| Return on assets (ROA) | 0.4644% | 5,018 |
| Pretax return on assets | 0.6421% | 4,852 |
| Return on Equity (ROE) | 2.7556% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.7556% | 4,298 |
| Net charge-offs to loans | 0.0822% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.9683% | 2,015 |
| Efficiency ratio | 80.6087% | 1,675 |
| Assets per employee ($millions) | 4.0101% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 3,171 |
| Loan loss allowance to noncurrent loans | 100.2499% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,734 |
| Noncurrent loans to loans | 1.3104% | 2,048 |
| Net loans and leases to total assets | 51.4803% | 4,804 |
| Net loans and leases to deposits | 64.7630% | 4,461 |
| Net loans and leases to core deposits | 72.5945% | 4,076 |
| Total domestic deposits to total assets | 79.4903% | 4,983 |
| Equity capital to assets | 16.9525% | 425 |
| Core capital (leverage) ratio | 16.8677% | 377 |
| Tier 1 risk-based capital ratio | 37.2437% | 306 |
| Total risk-based capital ratio | 38.4966% | 301 |
| Memoranda: | ||
| Average total assets | $293,718,670 | 2,214 |
| Average earning assets | $267,901,330 | 2,250 |
| Average equity | $49,499,000 | 1,517 |
| Average total loans | $153,375,670 | 2,575 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,089 |
| Cost of funding earning assets | 0.5566% | 1,786 |
| Net interest margin | 3.2234% | 4,511 |
| Noninterest income to average assets | 0.4242% | 3,814 |
| Noninterest expense to average assets | 2.6865% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4922% | 4,720 |
| Return on assets (ROA) | 0.4922% | 4,839 |
| Pretax return on assets | 0.6825% | 4,646 |
| Return on Equity (ROE) | 2.9291% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9291% | 4,211 |
| Net charge-offs to loans | -0.0416% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7417% | 1,927 |
| Assets per employee ($millions) | 4.1572% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 3,193 |
| Loan loss allowance to noncurrent loans | 102.9630% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 2,829 |
| Noncurrent loans to loans | 1.3005% | 2,209 |
| Net loans and leases to total assets | 52.0473% | 4,661 |
| Net loans and leases to deposits | 65.3687% | 4,221 |
| Net loans and leases to core deposits | 72.8778% | 3,886 |
| Total domestic deposits to total assets | 79.6212% | 5,141 |
| Equity capital to assets | 16.8896% | 441 |
| Core capital (leverage) ratio | 16.7386% | 388 |
| Tier 1 risk-based capital ratio | 36.2535% | 330 |
| Total risk-based capital ratio | 37.5067% | 323 |
| Memoranda: | ||
| Average total assets | $294,210,500 | 2,225 |
| Average earning assets | $268,783,000 | 2,255 |
| Average equity | $49,435,500 | 1,526 |
| Average total loans | $153,710,000 | 2,568 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7175% | 4,728 |
| Cost of funding earning assets | 0.6729% | 1,255 |
| Net interest margin | 3.0445% | 5,339 |
| Noninterest income to average assets | 0.5092% | 3,438 |
| Noninterest expense to average assets | 2.5021% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5657% | 4,528 |
| Return on assets (ROA) | 0.5657% | 4,617 |
| Pretax return on assets | 0.7927% | 4,286 |
| Return on Equity (ROE) | 3.6451% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.6451% | 3,628 |
| Net charge-offs to loans | 0.4735% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3715% | 3,906 |
| Efficiency ratio | 75.9413% | 2,518 |
| Assets per employee ($millions) | 4.2511% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,122 |
| Loan loss allowance to noncurrent loans | 87.0004% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 2,797 |
| Noncurrent loans to loans | 1.5668% | 1,866 |
| Net loans and leases to total assets | 51.0154% | 4,869 |
| Net loans and leases to deposits | 63.9687% | 4,529 |
| Net loans and leases to core deposits | 71.2934% | 4,189 |
| Total domestic deposits to total assets | 79.7506% | 5,078 |
| Equity capital to assets | 16.7127% | 452 |
| Core capital (leverage) ratio | 16.6824% | 400 |
| Tier 1 risk-based capital ratio | 38.0019% | 265 |
| Total risk-based capital ratio | 39.2565% | 266 |
| Memoranda: | ||
| Average total assets | $307,937,400 | 2,115 |
| Average earning assets | $281,751,600 | 2,111 |
| Average equity | $47,790,000 | 1,508 |
| Average total loans | $152,889,400 | 2,534 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,872 |
| Cost of funding earning assets | 0.6950% | 1,174 |
| Net interest margin | 3.0021% | 5,500 |
| Noninterest income to average assets | 0.5302% | 3,321 |
| Noninterest expense to average assets | 2.4164% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6115% | 4,392 |
| Return on assets (ROA) | 0.6115% | 4,482 |
| Pretax return on assets | 0.8622% | 4,139 |
| Return on Equity (ROE) | 4.0127% | 5,163 |
| Retained earnings to average equity (ytd only) | 4.0127% | 3,793 |
| Net charge-offs to loans | 0.4805% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.6504% | 3,617 |
| Efficiency ratio | 73.7014% | 2,863 |
| Assets per employee ($millions) | 4.5890% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 2,831 |
| Loan loss allowance to noncurrent loans | 102.2364% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 3,213 |
| Noncurrent loans to loans | 1.4449% | 2,255 |
| Net loans and leases to total assets | 48.5917% | 5,140 |
| Net loans and leases to deposits | 62.6438% | 4,681 |
| Net loans and leases to core deposits | 69.8211% | 4,340 |
| Total domestic deposits to total assets | 77.5683% | 5,596 |
| Equity capital to assets | 15.7554% | 595 |
| Core capital (leverage) ratio | 15.7987% | 508 |
| Tier 1 risk-based capital ratio | 37.9557% | 277 |
| Total risk-based capital ratio | 39.2115% | 273 |
| Memoranda: | ||
| Average total assets | $311,590,000 | 2,102 |
| Average earning assets | $285,258,750 | 2,107 |
| Average equity | $47,481,750 | 1,524 |
| Average total loans | $153,184,250 | 2,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 4,754 |
| Cost of funding earning assets | 0.6994% | 1,191 |
| Net interest margin | 3.0336% | 5,436 |
| Noninterest income to average assets | 0.4723% | 3,694 |
| Noninterest expense to average assets | 2.4169% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5911% | 4,397 |
| Return on assets (ROA) | 0.5911% | 4,493 |
| Pretax return on assets | 0.8327% | 4,149 |
| Return on Equity (ROE) | 3.9227% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,686 |
| Net charge-offs to loans | 0.6389% | 608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6538% | 3,499 |
| Efficiency ratio | 74.3756% | 2,912 |
| Assets per employee ($millions) | 4.6830% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 2,799 |
| Loan loss allowance to noncurrent loans | 97.6241% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 2,970 |
| Noncurrent loans to loans | 1.5582% | 2,225 |
| Net loans and leases to total assets | 47.4755% | 5,219 |
| Net loans and leases to deposits | 60.7706% | 4,807 |
| Net loans and leases to core deposits | 67.8394% | 4,487 |
| Total domestic deposits to total assets | 78.1225% | 5,614 |
| Equity capital to assets | 15.3499% | 634 |
| Core capital (leverage) ratio | 15.3319% | 554 |
| Tier 1 risk-based capital ratio | 37.5546% | 286 |
| Total risk-based capital ratio | 38.8109% | 282 |
| Memoranda: | ||
| Average total assets | $312,966,000 | 2,090 |
| Average earning assets | $286,526,670 | 2,098 |
| Average equity | $47,161,670 | 1,520 |
| Average total loans | $153,698,670 | 2,522 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,686 |
| Cost of funding earning assets | 0.7121% | 1,174 |
| Net interest margin | 3.0343% | 5,432 |
| Noninterest income to average assets | 0.4761% | 3,591 |
| Noninterest expense to average assets | 2.3918% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6194% | 4,103 |
| Return on assets (ROA) | 0.6194% | 4,182 |
| Pretax return on assets | 0.8600% | 3,860 |
| Return on Equity (ROE) | 4.1490% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.1490% | 3,641 |
| Net charge-offs to loans | 0.6145% | 604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8235% | 2,790 |
| Efficiency ratio | 73.5537% | 3,221 |
| Assets per employee ($millions) | 4.6323% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 2,437 |
| Loan loss allowance to noncurrent loans | 56.8060% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8337% | 1,898 |
| Noncurrent loans to loans | 2.9409% | 1,097 |
| Net loans and leases to total assets | 47.7228% | 5,164 |
| Net loans and leases to deposits | 60.7335% | 4,686 |
| Net loans and leases to core deposits | 67.9366% | 4,321 |
| Total domestic deposits to total assets | 78.5774% | 5,741 |
| Equity capital to assets | 14.9562% | 682 |
| Core capital (leverage) ratio | 15.1020% | 589 |
| Tier 1 risk-based capital ratio | 36.8236% | 292 |
| Total risk-based capital ratio | 38.0825% | 288 |
| Memoranda: | ||
| Average total assets | $312,569,000 | 2,095 |
| Average earning assets | $285,931,500 | 2,105 |
| Average equity | $46,661,500 | 1,536 |
| Average total loans | $154,918,000 | 2,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,711 |
| Cost of funding earning assets | 0.7935% | 1,246 |
| Net interest margin | 3.0325% | 5,502 |
| Noninterest income to average assets | 0.5534% | 3,378 |
| Noninterest expense to average assets | 2.3735% | 5,148 |
| Loan and lease loss provision to assets | 0.2426% | 1,489 |
| Net operating income to assets | 0.5197% | 4,651 |
| Return on assets (ROA) | 0.5197% | 4,780 |
| Pretax return on assets | 0.7073% | 4,514 |
| Return on Equity (ROE) | 3.4748% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.4748% | 3,755 |
| Net charge-offs to loans | 0.5347% | 1,241 |
| Credit loss provision to net charge-offs | 86.5052% | 2,854 |
| Earnings coverage of net charge-offs (x) | 3.3875% | 3,865 |
| Efficiency ratio | 71.4188% | 3,587 |
| Assets per employee ($millions) | 4.3682% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,130 |
| Loan loss allowance to noncurrent loans | 54.9823% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.0835% | 1,718 |
| Noncurrent loans to loans | 3.2353% | 1,032 |
| Net loans and leases to total assets | 49.7079% | 5,119 |
| Net loans and leases to deposits | 63.3138% | 4,582 |
| Net loans and leases to core deposits | 71.3474% | 4,147 |
| Total domestic deposits to total assets | 78.5103% | 5,736 |
| Equity capital to assets | 14.9002% | 690 |
| Core capital (leverage) ratio | 15.1611% | 587 |
| Tier 1 risk-based capital ratio | 35.3754% | 313 |
| Total risk-based capital ratio | 36.6362% | 304 |
| Memoranda: | ||
| Average total assets | $309,206,200 | 2,083 |
| Average earning assets | $282,436,600 | 2,097 |
| Average equity | $46,247,000 | 1,513 |
| Average total loans | $162,157,400 | 2,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,771 |
| Cost of funding earning assets | 0.8021% | 1,312 |
| Net interest margin | 3.0190% | 5,545 |
| Noninterest income to average assets | 0.5752% | 3,299 |
| Noninterest expense to average assets | 2.2875% | 5,382 |
| Loan and lease loss provision to assets | 0.3236% | 1,026 |
| Net operating income to assets | 0.5221% | 4,706 |
| Return on assets (ROA) | 0.5221% | 4,855 |
| Pretax return on assets | 0.7219% | 4,600 |
| Return on Equity (ROE) | 3.4878% | 5,437 |
| Retained earnings to average equity (ytd only) | 3.4878% | 4,208 |
| Net charge-offs to loans | 0.6207% | 999 |
| Credit loss provision to net charge-offs | 98.5545% | 2,420 |
| Earnings coverage of net charge-offs (x) | 3.1840% | 3,776 |
| Efficiency ratio | 68.6302% | 3,971 |
| Assets per employee ($millions) | 4.5656% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 2,259 |
| Loan loss allowance to noncurrent loans | 68.5106% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 2,283 |
| Noncurrent loans to loans | 2.6488% | 1,597 |
| Net loans and leases to total assets | 50.5054% | 5,079 |
| Net loans and leases to deposits | 64.3258% | 4,483 |
| Net loans and leases to core deposits | 72.8165% | 3,993 |
| Total domestic deposits to total assets | 78.5150% | 5,822 |
| Equity capital to assets | 14.9035% | 728 |
| Core capital (leverage) ratio | 15.0397% | 633 |
| Tier 1 risk-based capital ratio | 34.8052% | 341 |
| Total risk-based capital ratio | 36.0666% | 337 |
| Memoranda: | ||
| Average total assets | $308,971,750 | 2,094 |
| Average earning assets | $282,245,750 | 2,109 |
| Average equity | $46,255,750 | 1,525 |
| Average total loans | $163,457,250 | 2,386 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,707 |
| Cost of funding earning assets | 0.8052% | 1,386 |
| Net interest margin | 3.0313% | 5,493 |
| Noninterest income to average assets | 0.6094% | 3,137 |
| Noninterest expense to average assets | 2.3023% | 5,368 |
| Loan and lease loss provision to assets | 0.3890% | 816 |
| Net operating income to assets | 0.4973% | 4,811 |
| Return on assets (ROA) | 0.4973% | 4,987 |
| Pretax return on assets | 0.6860% | 4,730 |
| Return on Equity (ROE) | 3.3167% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.3167% | 4,200 |
| Net charge-offs to loans | 0.7638% | 834 |
| Credit loss provision to net charge-offs | 95.3895% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.6359% | 3,643 |
| Efficiency ratio | 68.1705% | 4,152 |
| Assets per employee ($millions) | 4.5434% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,473 |
| Loan loss allowance to noncurrent loans | 62.7998% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.8983% | 2,282 |
| Noncurrent loans to loans | 2.8471% | 1,588 |
| Net loans and leases to total assets | 50.4629% | 5,060 |
| Net loans and leases to deposits | 63.9989% | 4,503 |
| Net loans and leases to core deposits | 72.7419% | 3,959 |
| Total domestic deposits to total assets | 78.8495% | 5,827 |
| Equity capital to assets | 14.5774% | 804 |
| Core capital (leverage) ratio | 14.7468% | 660 |
| Tier 1 risk-based capital ratio | 33.9764% | 370 |
| Total risk-based capital ratio | 35.2372% | 363 |
| Memoranda: | ||
| Average total assets | $308,476,330 | 2,095 |
| Average earning assets | $281,661,000 | 2,119 |
| Average equity | $46,251,330 | 1,528 |
| Average total loans | $164,711,000 | 2,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 4,599 |
| Cost of funding earning assets | 0.8059% | 1,494 |
| Net interest margin | 3.0587% | 5,403 |
| Noninterest income to average assets | 0.7269% | 2,443 |
| Noninterest expense to average assets | 2.2813% | 5,465 |
| Loan and lease loss provision to assets | 0.3922% | 796 |
| Net operating income to assets | 0.6131% | 4,152 |
| Return on assets (ROA) | 0.6131% | 4,314 |
| Pretax return on assets | 0.8419% | 3,992 |
| Return on Equity (ROE) | 4.0320% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,811 |
| Net charge-offs to loans | 0.8239% | 727 |
| Credit loss provision to net charge-offs | 87.4636% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.7522% | 2,953 |
| Efficiency ratio | 64.8940% | 4,841 |
| Assets per employee ($millions) | 4.5217% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 2,798 |
| Loan loss allowance to noncurrent loans | 59.2026% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0523% | 2,285 |
| Noncurrent loans to loans | 2.9603% | 1,699 |
| Net loans and leases to total assets | 51.4952% | 4,769 |
| Net loans and leases to deposits | 64.9688% | 4,191 |
| Net loans and leases to core deposits | 74.0077% | 3,575 |
| Total domestic deposits to total assets | 79.2614% | 5,916 |
| Equity capital to assets | 14.9815% | 761 |
| Core capital (leverage) ratio | 14.7849% | 622 |
| Tier 1 risk-based capital ratio | 34.0644% | 375 |
| Total risk-based capital ratio | 35.3249% | 371 |
| Memoranda: | ||
| Average total assets | $305,968,500 | 2,146 |
| Average earning assets | $278,941,500 | 2,161 |
| Average equity | $46,527,500 | 1,539 |
| Average total loans | $166,528,000 | 2,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 4,631 |
| Cost of funding earning assets | 1.0312% | 1,202 |
| Net interest margin | 3.1587% | 5,667 |
| Noninterest income to average assets | 0.5969% | 3,296 |
| Noninterest expense to average assets | 2.3346% | 5,600 |
| Loan and lease loss provision to assets | 0.5848% | 950 |
| Net operating income to assets | 0.4292% | 4,969 |
| Return on assets (ROA) | 0.4292% | 5,216 |
| Pretax return on assets | 0.5630% | 5,096 |
| Return on Equity (ROE) | 2.9501% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.9501% | 4,149 |
| Net charge-offs to loans | 1.1255% | 924 |
| Credit loss provision to net charge-offs | 89.1378% | 3,508 |
| Earnings coverage of net charge-offs (x) | 1.7496% | 4,559 |
| Efficiency ratio | 67.0398% | 4,320 |
| Assets per employee ($millions) | 4.4767% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,876 |
| Loan loss allowance to noncurrent loans | 52.9294% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.5302% | 1,924 |
| Noncurrent loans to loans | 3.2420% | 1,590 |
| Net loans and leases to total assets | 55.5503% | 4,371 |
| Net loans and leases to deposits | 68.4965% | 3,904 |
| Net loans and leases to core deposits | 78.7847% | 3,162 |
| Total domestic deposits to total assets | 81.0995% | 5,372 |
| Equity capital to assets | 15.4408% | 646 |
| Core capital (leverage) ratio | 15.2266% | 538 |
| Tier 1 risk-based capital ratio | 32.8462% | 407 |
| Total risk-based capital ratio | 34.1065% | 394 |
| Memoranda: | ||
| Average total assets | $312,942,000 | 2,052 |
| Average earning assets | $285,880,400 | 2,069 |
| Average equity | $45,523,200 | 1,527 |
| Average total loans | $182,410,400 | 2,173 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 4,749 |
| Cost of funding earning assets | 1.0737% | 1,177 |
| Net interest margin | 3.1451% | 5,833 |
| Noninterest income to average assets | 0.5368% | 3,697 |
| Noninterest expense to average assets | 2.3120% | 5,654 |
| Loan and lease loss provision to assets | 0.5946% | 940 |
| Net operating income to assets | 0.3778% | 5,338 |
| Return on assets (ROA) | 0.3778% | 5,545 |
| Pretax return on assets | 0.5069% | 5,448 |
| Return on Equity (ROE) | 2.6357% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.6357% | 4,983 |
| Net charge-offs to loans | 1.2023% | 811 |
| Credit loss provision to net charge-offs | 84.2294% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.5603% | 4,500 |
| Efficiency ratio | 67.7332% | 4,117 |
| Assets per employee ($millions) | 4.5189% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 3,460 |
| Loan loss allowance to noncurrent loans | 57.5672% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,151 |
| Noncurrent loans to loans | 2.8049% | 2,006 |
| Net loans and leases to total assets | 56.8679% | 4,317 |
| Net loans and leases to deposits | 69.7047% | 3,936 |
| Net loans and leases to core deposits | 82.2029% | 2,937 |
| Total domestic deposits to total assets | 81.5839% | 5,167 |
| Equity capital to assets | 14.9704% | 828 |
| Core capital (leverage) ratio | 14.6824% | 674 |
| Tier 1 risk-based capital ratio | 31.1038% | 478 |
| Total risk-based capital ratio | 32.3628% | 470 |
| Memoranda: | ||
| Average total assets | $316,192,750 | 2,056 |
| Average earning assets | $289,203,500 | 2,067 |
| Average equity | $45,325,750 | 1,543 |
| Average total loans | $185,631,500 | 2,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 4,818 |
| Cost of funding earning assets | 1.1224% | 1,116 |
| Net interest margin | 3.1162% | 5,959 |
| Noninterest income to average assets | 0.5652% | 3,485 |
| Noninterest expense to average assets | 2.3098% | 5,705 |
| Loan and lease loss provision to assets | 0.8084% | 614 |
| Net operating income to assets | 0.2300% | 5,830 |
| Return on assets (ROA) | 0.2300% | 6,017 |
| Pretax return on assets | 0.3020% | 5,963 |
| Return on Equity (ROE) | 1.6275% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.6275% | 5,393 |
| Net charge-offs to loans | 1.4349% | 706 |
| Credit loss provision to net charge-offs | 95.4848% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.3116% | 4,347 |
| Efficiency ratio | 67.5339% | 4,227 |
| Assets per employee ($millions) | 5.0657% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 3,269 |
| Loan loss allowance to noncurrent loans | 53.5858% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.4995% | 2,237 |
| Noncurrent loans to loans | 3.1542% | 1,849 |
| Net loans and leases to total assets | 55.9705% | 4,474 |
| Net loans and leases to deposits | 69.1640% | 4,018 |
| Net loans and leases to core deposits | 83.1342% | 2,811 |
| Total domestic deposits to total assets | 80.9242% | 5,495 |
| Equity capital to assets | 14.1998% | 1,015 |
| Core capital (leverage) ratio | 13.9719% | 812 |
| Tier 1 risk-based capital ratio | 30.4080% | 503 |
| Total risk-based capital ratio | 31.6533% | 497 |
| Memoranda: | ||
| Average total assets | $319,161,670 | 2,028 |
| Average earning assets | $292,411,330 | 2,033 |
| Average equity | $45,100,330 | 1,549 |
| Average total loans | $188,303,670 | 2,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 4,878 |
| Cost of funding earning assets | 1.2302% | 849 |
| Net interest margin | 3.0332% | 6,226 |
| Noninterest income to average assets | 0.5025% | 3,891 |
| Noninterest expense to average assets | 2.2521% | 5,893 |
| Loan and lease loss provision to assets | 0.8397% | 559 |
| Net operating income to assets | 0.1316% | 6,173 |
| Return on assets (ROA) | 0.1316% | 6,297 |
| Pretax return on assets | 0.1917% | 6,219 |
| Return on Equity (ROE) | 0.9335% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.9335% | 5,695 |
| Net charge-offs to loans | 1.9206% | 496 |
| Credit loss provision to net charge-offs | 72.8261% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.8946% | 3,879 |
| Efficiency ratio | 68.5878% | 4,052 |
| Assets per employee ($millions) | 4.7239% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,042 |
| Loan loss allowance to noncurrent loans | 42.0423% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 2.7400% | 2,150 |
| Noncurrent loans to loans | 3.6285% | 1,712 |
| Net loans and leases to total assets | 58.7798% | 3,909 |
| Net loans and leases to deposits | 72.7100% | 3,320 |
| Net loans and leases to core deposits | 87.1732% | 2,152 |
| Total domestic deposits to total assets | 80.8414% | 5,649 |
| Equity capital to assets | 14.2581% | 935 |
| Core capital (leverage) ratio | 14.0063% | 803 |
| Tier 1 risk-based capital ratio | 30.0182% | 520 |
| Total risk-based capital ratio | 31.2771% | 511 |
| Memoranda: | ||
| Average total assets | $319,173,500 | 2,033 |
| Average earning assets | $292,624,000 | 2,042 |
| Average equity | $44,992,000 | 1,541 |
| Average total loans | $191,608,500 | 2,115 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 4,217 |
| Cost of funding earning assets | 1.3604% | 1,197 |
| Net interest margin | 3.3456% | 5,663 |
| Noninterest income to average assets | 0.2254% | 5,921 |
| Noninterest expense to average assets | 2.3866% | 5,806 |
| Loan and lease loss provision to assets | 0.5926% | 1,748 |
| Net operating income to assets | 0.2412% | 5,457 |
| Return on assets (ROA) | 0.3008% | 5,400 |
| Pretax return on assets | 0.4395% | 5,171 |
| Return on Equity (ROE) | 2.1465% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.1465% | 4,689 |
| Net charge-offs to loans | 1.1126% | 1,546 |
| Credit loss provision to net charge-offs | 82.2426% | 4,356 |
| Earnings coverage of net charge-offs (x) | 1.3106% | 4,795 |
| Efficiency ratio | 71.6497% | 3,651 |
| Assets per employee ($millions) | 5.1087% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,541 |
| Loan loss allowance to noncurrent loans | 45.5696% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.6158% | 2,324 |
| Noncurrent loans to loans | 3.5374% | 1,813 |
| Net loans and leases to total assets | 59.3962% | 4,113 |
| Net loans and leases to deposits | 75.2150% | 3,311 |
| Net loans and leases to core deposits | 91.7805% | 1,911 |
| Total domestic deposits to total assets | 78.9686% | 6,000 |
| Equity capital to assets | 13.9374% | 1,087 |
| Core capital (leverage) ratio | 13.7731% | 879 |
| Tier 1 risk-based capital ratio | 30.2989% | 505 |
| Total risk-based capital ratio | 31.5508% | 493 |
| Memoranda: | ||
| Average total assets | $318,112,200 | 2,018 |
| Average earning assets | $295,279,200 | 1,986 |
| Average equity | $44,583,200 | 1,523 |
| Average total loans | $206,004,800 | 1,988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 4,095 |
| Cost of funding earning assets | 1.3807% | 1,317 |
| Net interest margin | 3.4035% | 5,556 |
| Noninterest income to average assets | 0.1358% | 6,575 |
| Noninterest expense to average assets | 2.1270% | 6,459 |
| Loan and lease loss provision to assets | 0.3090% | 3,053 |
| Net operating income to assets | 0.5680% | 4,232 |
| Return on assets (ROA) | 0.6112% | 4,221 |
| Pretax return on assets | 0.9349% | 3,639 |
| Return on Equity (ROE) | 4.3550% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.3550% | 3,629 |
| Net charge-offs to loans | 0.5469% | 2,600 |
| Credit loss provision to net charge-offs | 85.7643% | 3,932 |
| Earnings coverage of net charge-offs (x) | 3.2684% | 3,515 |
| Efficiency ratio | 64.3684% | 5,002 |
| Assets per employee ($millions) | 4.7136% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,511 |
| Loan loss allowance to noncurrent loans | 47.4525% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.6753% | 2,418 |
| Noncurrent loans to loans | 2.9736% | 2,332 |
| Net loans and leases to total assets | 62.1259% | 3,691 |
| Net loans and leases to deposits | 78.9684% | 2,820 |
| Net loans and leases to core deposits | 96.4553% | 1,564 |
| Total domestic deposits to total assets | 78.6719% | 6,053 |
| Equity capital to assets | 14.2214% | 1,077 |
| Core capital (leverage) ratio | 13.9954% | 906 |
| Tier 1 risk-based capital ratio | 29.0641% | 596 |
| Total risk-based capital ratio | 30.3101% | 584 |
| Memoranda: | ||
| Average total assets | $317,178,500 | 2,027 |
| Average earning assets | $295,296,500 | 1,988 |
| Average equity | $44,514,750 | 1,526 |
| Average total loans | $208,931,750 | 1,989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 3,989 |
| Cost of funding earning assets | 1.3881% | 1,466 |
| Net interest margin | 3.4346% | 5,423 |
| Noninterest income to average assets | 0.2126% | 6,147 |
| Noninterest expense to average assets | 2.1135% | 6,569 |
| Loan and lease loss provision to assets | 0.3892% | 2,466 |
| Net operating income to assets | 0.5975% | 4,078 |
| Return on assets (ROA) | 0.6353% | 4,008 |
| Pretax return on assets | 0.9796% | 3,316 |
| Return on Equity (ROE) | 4.5472% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.5472% | 3,293 |
| Net charge-offs to loans | 0.6116% | 2,300 |
| Credit loss provision to net charge-offs | 95.2012% | 3,301 |
| Earnings coverage of net charge-offs (x) | 3.2059% | 3,269 |
| Efficiency ratio | 61.7261% | 5,626 |
| Assets per employee ($millions) | 4.9559% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 4,597 |
| Loan loss allowance to noncurrent loans | 43.5516% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 2.8029% | 2,392 |
| Noncurrent loans to loans | 3.2033% | 2,241 |
| Net loans and leases to total assets | 62.9050% | 3,698 |
| Net loans and leases to deposits | 80.4117% | 2,719 |
| Net loans and leases to core deposits | 98.4440% | 1,473 |
| Total domestic deposits to total assets | 78.2287% | 6,243 |
| Equity capital to assets | 13.9144% | 1,128 |
| Core capital (leverage) ratio | 13.7717% | 928 |
| Tier 1 risk-based capital ratio | 29.6971% | 553 |
| Total risk-based capital ratio | 30.9470% | 535 |
| Memoranda: | ||
| Average total assets | $316,063,000 | 2,040 |
| Average earning assets | $295,519,330 | 2,002 |
| Average equity | $44,158,670 | 1,523 |
| Average total loans | $211,249,330 | 1,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 3,858 |
| Cost of funding earning assets | 1.4244% | 1,494 |
| Net interest margin | 3.4181% | 5,359 |
| Noninterest income to average assets | 0.2313% | 6,064 |
| Noninterest expense to average assets | 2.0624% | 6,711 |
| Loan and lease loss provision to assets | 0.1533% | 4,106 |
| Net operating income to assets | 0.7907% | 3,078 |
| Return on assets (ROA) | 0.8421% | 2,870 |
| Pretax return on assets | 1.2855% | 2,081 |
| Return on Equity (ROE) | 6.0146% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.0146% | 2,625 |
| Net charge-offs to loans | 0.2410% | 3,114 |
| Credit loss provision to net charge-offs | 93.0233% | 2,881 |
| Earnings coverage of net charge-offs (x) | 8.2558% | 1,839 |
| Efficiency ratio | 60.2464% | 5,952 |
| Assets per employee ($millions) | 4.8827% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,897 |
| Loan loss allowance to noncurrent loans | 45.6090% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0091% | 2,296 |
| Noncurrent loans to loans | 2.9630% | 2,536 |
| Net loans and leases to total assets | 66.4815% | 2,882 |
| Net loans and leases to deposits | 85.5092% | 1,799 |
| Net loans and leases to core deposits | 98.4844% | 1,475 |
| Total domestic deposits to total assets | 77.7478% | 6,406 |
| Equity capital to assets | 14.1221% | 971 |
| Core capital (leverage) ratio | 14.0712% | 834 |
| Tier 1 risk-based capital ratio | 29.3039% | 553 |
| Total risk-based capital ratio | 30.5542% | 545 |
| Memoranda: | ||
| Average total assets | $313,027,000 | 2,081 |
| Average earning assets | $292,324,500 | 2,043 |
| Average equity | $43,826,500 | 1,521 |
| Average total loans | $214,121,000 | 1,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 4,171 |
| Cost of funding earning assets | 1.8177% | 1,102 |
| Net interest margin | 3.2666% | 6,083 |
| Noninterest income to average assets | 0.2786% | 5,788 |
| Noninterest expense to average assets | 2.1401% | 6,751 |
| Loan and lease loss provision to assets | 0.6185% | 2,661 |
| Net operating income to assets | 0.3846% | 4,618 |
| Return on assets (ROA) | 0.4467% | 4,494 |
| Pretax return on assets | 0.6735% | 4,074 |
| Return on Equity (ROE) | 3.3325% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.3325% | 3,534 |
| Net charge-offs to loans | 0.7064% | 2,893 |
| Credit loss provision to net charge-offs | 119.7822% | 3,530 |
| Earnings coverage of net charge-offs (x) | 2.3200% | 3,985 |
| Efficiency ratio | 64.1119% | 5,333 |
| Assets per employee ($millions) | 5.0575% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,945 |
| Loan loss allowance to noncurrent loans | 43.4882% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 3.0759% | 2,294 |
| Noncurrent loans to loans | 3.0163% | 2,534 |
| Net loans and leases to total assets | 68.5005% | 2,865 |
| Net loans and leases to deposits | 87.7688% | 1,832 |
| Net loans and leases to core deposits | 102.6730% | 1,402 |
| Total domestic deposits to total assets | 78.0466% | 6,303 |
| Equity capital to assets | 13.8801% | 1,073 |
| Core capital (leverage) ratio | 13.8150% | 889 |
| Tier 1 risk-based capital ratio | 28.2275% | 590 |
| Total risk-based capital ratio | 29.4776% | 574 |
| Memoranda: | ||
| Average total assets | $320,120,600 | 2,038 |
| Average earning assets | $299,821,600 | 1,979 |
| Average equity | $42,910,800 | 1,549 |
| Average total loans | $233,993,400 | 1,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 4,165 |
| Cost of funding earning assets | 1.8586% | 1,169 |
| Net interest margin | 3.2723% | 6,106 |
| Noninterest income to average assets | 0.2478% | 6,120 |
| Noninterest expense to average assets | 2.0404% | 6,977 |
| Loan and lease loss provision to assets | 0.7707% | 1,983 |
| Net operating income to assets | 0.3295% | 5,052 |
| Return on assets (ROA) | 0.3729% | 5,056 |
| Pretax return on assets | 0.5689% | 4,695 |
| Return on Equity (ROE) | 2.8064% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.8064% | 4,468 |
| Net charge-offs to loans | 0.9235% | 2,149 |
| Credit loss provision to net charge-offs | 112.7956% | 3,732 |
| Earnings coverage of net charge-offs (x) | 1.8642% | 4,309 |
| Efficiency ratio | 61.5654% | 5,690 |
| Assets per employee ($millions) | 5.0547% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 5,488 |
| Loan loss allowance to noncurrent loans | 40.6199% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 3.0147% | 2,406 |
| Noncurrent loans to loans | 2.9564% | 2,696 |
| Net loans and leases to total assets | 70.7625% | 2,542 |
| Net loans and leases to deposits | 92.0645% | 1,435 |
| Net loans and leases to core deposits | 108.3371% | 1,137 |
| Total domestic deposits to total assets | 76.8619% | 6,510 |
| Equity capital to assets | 13.6247% | 1,306 |
| Core capital (leverage) ratio | 13.4532% | 1,076 |
| Tier 1 risk-based capital ratio | 27.2966% | 673 |
| Total risk-based capital ratio | 28.5466% | 665 |
| Memoranda: | ||
| Average total assets | $321,759,750 | 2,049 |
| Average earning assets | $301,511,750 | 2,004 |
| Average equity | $42,757,750 | 1,557 |
| Average total loans | $238,079,750 | 1,862 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 4,090 |
| Cost of funding earning assets | 1.9177% | 1,176 |
| Net interest margin | 3.2530% | 6,159 |
| Noninterest income to average assets | 0.2620% | 6,038 |
| Noninterest expense to average assets | 1.9835% | 7,142 |
| Loan and lease loss provision to assets | 0.8301% | 1,750 |
| Net operating income to assets | 0.3265% | 5,082 |
| Return on assets (ROA) | 0.3518% | 5,128 |
| Pretax return on assets | 0.5389% | 4,784 |
| Return on Equity (ROE) | 2.6699% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.6699% | 4,447 |
| Net charge-offs to loans | 1.0033% | 1,854 |
| Credit loss provision to net charge-offs | 110.6524% | 3,670 |
| Earnings coverage of net charge-offs (x) | 1.7729% | 4,186 |
| Efficiency ratio | 59.8617% | 6,068 |
| Assets per employee ($millions) | 4.9098% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,792 |
| Loan loss allowance to noncurrent loans | 44.0557% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.7017% | 2,678 |
| Noncurrent loans to loans | 2.5661% | 3,082 |
| Net loans and leases to total assets | 72.8118% | 2,208 |
| Net loans and leases to deposits | 95.5319% | 1,091 |
| Net loans and leases to core deposits | 111.3939% | 1,068 |
| Total domestic deposits to total assets | 76.2172% | 6,644 |
| Equity capital to assets | 13.5017% | 1,346 |
| Core capital (leverage) ratio | 13.3219% | 1,109 |
| Tier 1 risk-based capital ratio | 26.3180% | 752 |
| Total risk-based capital ratio | 27.5679% | 741 |
| Memoranda: | ||
| Average total assets | $322,865,000 | 2,054 |
| Average earning assets | $302,856,330 | 2,009 |
| Average equity | $42,548,000 | 1,559 |
| Average total loans | $241,413,670 | 1,863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 4,037 |
| Cost of funding earning assets | 2.0120% | 1,045 |
| Net interest margin | 3.1846% | 6,338 |
| Noninterest income to average assets | 0.2525% | 6,131 |
| Noninterest expense to average assets | 1.9315% | 7,283 |
| Loan and lease loss provision to assets | 0.6405% | 1,977 |
| Net operating income to assets | 0.5020% | 4,382 |
| Return on assets (ROA) | 0.5334% | 4,357 |
| Pretax return on assets | 0.7132% | 4,187 |
| Return on Equity (ROE) | 4.0967% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,694 |
| Net charge-offs to loans | 1.2297% | 1,382 |
| Credit loss provision to net charge-offs | 69.1489% | 4,121 |
| Earnings coverage of net charge-offs (x) | 1.4162% | 3,896 |
| Efficiency ratio | 59.5518% | 6,254 |
| Assets per employee ($millions) | 4.9974% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 6,660 |
| Loan loss allowance to noncurrent loans | 38.5597% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5119% | 2,894 |
| Noncurrent loans to loans | 2.4714% | 3,195 |
| Net loans and leases to total assets | 74.6445% | 1,821 |
| Net loans and leases to deposits | 97.6749% | 940 |
| Net loans and leases to core deposits | 113.2930% | 1,075 |
| Total domestic deposits to total assets | 76.4214% | 6,676 |
| Equity capital to assets | 13.3234% | 1,393 |
| Core capital (leverage) ratio | 13.2366% | 1,146 |
| Tier 1 risk-based capital ratio | 25.7894% | 792 |
| Total risk-based capital ratio | 27.0394% | 776 |
| Memoranda: | ||
| Average total assets | $324,728,500 | 2,094 |
| Average earning assets | $304,968,000 | 2,050 |
| Average equity | $42,277,500 | 1,583 |
| Average total loans | $244,607,000 | 1,897 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 4,840 |
| Cost of funding earning assets | 2.4180% | 1,247 |
| Net interest margin | 2.9506% | 6,751 |
| Noninterest income to average assets | 0.3078% | 5,882 |
| Noninterest expense to average assets | 2.2928% | 6,766 |
| Loan and lease loss provision to assets | 0.4094% | 4,354 |
| Net operating income to assets | 0.2574% | 4,693 |
| Return on assets (ROA) | 0.2875% | 4,666 |
| Pretax return on assets | 0.4636% | 4,309 |
| Return on Equity (ROE) | 2.2502% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.2502% | 3,538 |
| Net charge-offs to loans | 0.3388% | 4,532 |
| Credit loss provision to net charge-offs | 149.9436% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.0248% | 3,565 |
| Efficiency ratio | 73.5169% | 3,995 |
| Assets per employee ($millions) | 5.2321% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,273 |
| Loan loss allowance to noncurrent loans | 35.6047% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.9179% | 2,398 |
| Noncurrent loans to loans | 2.8621% | 2,692 |
| Net loans and leases to total assets | 74.5244% | 2,139 |
| Net loans and leases to deposits | 100.3919% | 869 |
| Net loans and leases to core deposits | 136.8558% | 920 |
| Total domestic deposits to total assets | 74.2334% | 6,987 |
| Equity capital to assets | 12.7243% | 1,631 |
| Core capital (leverage) ratio | 12.7026% | 1,351 |
| Tier 1 risk-based capital ratio | 24.7747% | 869 |
| Total risk-based capital ratio | 26.0211% | 843 |
| Memoranda: | ||
| Average total assets | $324,838,200 | 2,083 |
| Average earning assets | $309,465,600 | 2,010 |
| Average equity | $41,507,600 | 1,612 |
| Average total loans | $261,800,800 | 1,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 4,873 |
| Cost of funding earning assets | 2.4774% | 1,373 |
| Net interest margin | 2.9381% | 6,753 |
| Noninterest income to average assets | 0.2649% | 6,333 |
| Noninterest expense to average assets | 1.9956% | 7,395 |
| Loan and lease loss provision to assets | 0.4985% | 3,406 |
| Net operating income to assets | 0.1924% | 5,186 |
| Return on assets (ROA) | 0.2233% | 5,161 |
| Pretax return on assets | 0.6278% | 4,093 |
| Return on Equity (ROE) | 1.7456% | 5,250 |
| Retained earnings to average equity (ytd only) | 1.7456% | 4,336 |
| Net charge-offs to loans | 0.2755% | 4,321 |
| Credit loss provision to net charge-offs | 220.8029% | 1,987 |
| Earnings coverage of net charge-offs (x) | 4.7755% | 3,012 |
| Efficiency ratio | 64.9243% | 5,564 |
| Assets per employee ($millions) | 5.1218% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,831 |
| Loan loss allowance to noncurrent loans | 41.0245% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 3.0391% | 2,278 |
| Noncurrent loans to loans | 2.6364% | 2,868 |
| Net loans and leases to total assets | 76.6444% | 1,860 |
| Net loans and leases to deposits | 103.4412% | 815 |
| Net loans and leases to core deposits | 141.2194% | 864 |
| Total domestic deposits to total assets | 74.0946% | 6,929 |
| Equity capital to assets | 12.7254% | 1,815 |
| Core capital (leverage) ratio | 12.6601% | 1,517 |
| Tier 1 risk-based capital ratio | 25.0377% | 894 |
| Total risk-based capital ratio | 26.2876% | 872 |
| Memoranda: | ||
| Average total assets | $323,642,500 | 2,104 |
| Average earning assets | $309,402,000 | 2,033 |
| Average equity | $41,399,000 | 1,639 |
| Average total loans | $265,206,750 | 1,821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 4,839 |
| Cost of funding earning assets | 2.5413% | 1,475 |
| Net interest margin | 2.9197% | 6,754 |
| Noninterest income to average assets | 0.2551% | 6,452 |
| Noninterest expense to average assets | 2.0170% | 7,433 |
| Loan and lease loss provision to assets | 0.3041% | 4,131 |
| Net operating income to assets | 0.3501% | 4,678 |
| Return on assets (ROA) | 0.3966% | 4,635 |
| Pretax return on assets | 0.7981% | 3,683 |
| Return on Equity (ROE) | 3.0949% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.0949% | 3,596 |
| Net charge-offs to loans | 0.2409% | 3,988 |
| Credit loss provision to net charge-offs | 151.2346% | 3,048 |
| Earnings coverage of net charge-offs (x) | 5.1204% | 2,910 |
| Efficiency ratio | 66.2049% | 5,516 |
| Assets per employee ($millions) | 5.1946% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 6,933 |
| Loan loss allowance to noncurrent loans | 31.2075% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 3.1183% | 2,014 |
| Noncurrent loans to loans | 2.7615% | 2,611 |
| Net loans and leases to total assets | 79.1262% | 1,495 |
| Net loans and leases to deposits | 102.5354% | 1,032 |
| Net loans and leases to core deposits | 138.0427% | 1,106 |
| Total domestic deposits to total assets | 77.1696% | 6,279 |
| Equity capital to assets | 12.7013% | 1,832 |
| Core capital (leverage) ratio | 12.7011% | 1,537 |
| Tier 1 risk-based capital ratio | 24.6660% | 970 |
| Total risk-based capital ratio | 25.9158% | 956 |
| Memoranda: | ||
| Average total assets | $322,259,000 | 2,139 |
| Average earning assets | $308,111,670 | 2,068 |
| Average equity | $41,294,330 | 1,643 |
| Average total loans | $268,948,330 | 1,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 4,609 |
| Cost of funding earning assets | 2.6115% | 1,524 |
| Net interest margin | 2.9437% | 6,631 |
| Noninterest income to average assets | 0.2289% | 6,629 |
| Noninterest expense to average assets | 1.9340% | 7,483 |
| Loan and lease loss provision to assets | 0.1501% | 5,005 |
| Net operating income to assets | 0.5601% | 4,183 |
| Return on assets (ROA) | 0.5817% | 4,291 |
| Pretax return on assets | 0.9945% | 3,365 |
| Return on Equity (ROE) | 4.5191% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5191% | 3,416 |
| Net charge-offs to loans | 0.0484% | 4,804 |
| Credit loss provision to net charge-offs | 363.6364% | 1,401 |
| Earnings coverage of net charge-offs (x) | 26.9091% | 1,157 |
| Efficiency ratio | 63.5168% | 5,777 |
| Assets per employee ($millions) | 4.9092% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 7,143 |
| Loan loss allowance to noncurrent loans | 37.2940% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.6758% | 2,139 |
| Noncurrent loans to loans | 2.1569% | 3,043 |
| Net loans and leases to total assets | 82.6666% | 903 |
| Net loans and leases to deposits | 107.3681% | 767 |
| Net loans and leases to core deposits | 144.8156% | 903 |
| Total domestic deposits to total assets | 76.9936% | 6,280 |
| Equity capital to assets | 12.7746% | 1,846 |
| Core capital (leverage) ratio | 12.7746% | 1,569 |
| Tier 1 risk-based capital ratio | 24.1524% | 1,061 |
| Total risk-based capital ratio | 25.4023% | 1,037 |
| Memoranda: | ||
| Average total assets | $319,760,000 | 2,165 |
| Average earning assets | $305,876,500 | 2,086 |
| Average equity | $41,158,500 | 1,652 |
| Average total loans | $272,824,000 | 1,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 6,377 |
| Cost of funding earning assets | 3.0275% | 1,769 |
| Net interest margin | 2.7889% | 7,350 |
| Noninterest income to average assets | 0.4738% | 4,844 |
| Noninterest expense to average assets | 2.2795% | 6,759 |
| Loan and lease loss provision to assets | 0.2375% | 4,528 |
| Net operating income to assets | 0.4630% | 4,894 |
| Return on assets (ROA) | 0.4715% | 4,681 |
| Pretax return on assets | 0.6451% | 4,563 |
| Return on Equity (ROE) | 3.7143% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.7143% | 2,828 |
| Net charge-offs to loans | 0.0274% | 6,444 |
| Credit loss provision to net charge-offs | 986.8421% | 455 |
| Earnings coverage of net charge-offs (x) | 36.1842% | 1,016 |
| Efficiency ratio | 72.3563% | 3,870 |
| Assets per employee ($millions) | 5.1723% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 7,315 |
| Loan loss allowance to noncurrent loans | 41.0646% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.5711% | 1,879 |
| Noncurrent loans to loans | 1.8130% | 3,043 |
| Net loans and leases to total assets | 86.7091% | 509 |
| Net loans and leases to deposits | 113.1644% | 658 |
| Net loans and leases to core deposits | 153.7332% | 725 |
| Total domestic deposits to total assets | 76.6223% | 6,088 |
| Equity capital to assets | 12.9714% | 1,801 |
| Core capital (leverage) ratio | 12.9714% | 1,552 |
| Tier 1 risk-based capital ratio | 23.9461% | 1,093 |
| Total risk-based capital ratio | 25.1467% | 1,075 |
| Memoranda: | ||
| Average total assets | $315,772,400 | 2,119 |
| Average earning assets | $303,059,600 | 2,015 |
| Average equity | $40,088,600 | 1,678 |
| Average total loans | $277,702,800 | 1,730 |