Home > Elizabethton Federal Savings Bank > Performance and Condition Ratios
Elizabethton Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9885% | 4,525 |
| Cost of funding earning assets | 0.8530% | 3,608 |
| Net interest margin | 2.1355% | 4,354 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.2906% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5529% | 3,559 |
| Return on assets (ROA) | 0.5529% | 3,549 |
| Pretax return on assets | 0.9040% | 2,955 |
| Return on Equity (ROE) | 1.3800% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.3768% | 3,742 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.8077% | 3,208 |
| Assets per employee ($millions) | 10.7869% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,525 |
| Loan loss allowance to noncurrent loans | 522.5455% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 2,132 |
| Noncurrent loans to loans | 0.1823% | 2,600 |
| Net loans and leases to total assets | 47.7600% | 3,738 |
| Net loans and leases to deposits | 81.8462% | 1,957 |
| Net loans and leases to core deposits | 91.0683% | 1,980 |
| Total domestic deposits to total assets | 58.3500% | 4,450 |
| Equity capital to assets | 41.4868% | 138 |
| Core capital (leverage) ratio | 41.0866% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $321,024,400 | 2,316 |
| Average earning assets | $310,556,400 | 2,244 |
| Average equity | $128,926,800 | 772 |
| Average total loans | $146,781,600 | 2,697 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9344% | 4,543 |
| Cost of funding earning assets | 0.7795% | 3,580 |
| Net interest margin | 2.1549% | 4,377 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.2798% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5547% | 3,654 |
| Return on assets (ROA) | 0.5547% | 3,639 |
| Pretax return on assets | 0.9314% | 3,032 |
| Return on Equity (ROE) | 1.3900% | 4,271 |
| Retained earnings to average equity (ytd only) | 1.3922% | 3,865 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.8761% | 3,219 |
| Assets per employee ($millions) | 10.2756% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,481 |
| Loan loss allowance to noncurrent loans | 997.9167% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,312 |
| Noncurrent loans to loans | 0.0978% | 3,090 |
| Net loans and leases to total assets | 45.7800% | 3,840 |
| Net loans and leases to deposits | 77.1981% | 2,313 |
| Net loans and leases to core deposits | 86.4389% | 2,163 |
| Total domestic deposits to total assets | 59.3000% | 4,465 |
| Equity capital to assets | 40.6059% | 142 |
| Core capital (leverage) ratio | 40.4783% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $323,075,500 | 2,300 |
| Average earning assets | $312,514,000 | 2,233 |
| Average equity | $128,713,750 | 769 |
| Average total loans | $145,769,500 | 2,713 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8921% | 4,573 |
| Cost of funding earning assets | 0.6904% | 3,514 |
| Net interest margin | 2.2017% | 4,424 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.3149% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5884% | 3,608 |
| Return on assets (ROA) | 0.5884% | 3,614 |
| Pretax return on assets | 0.9372% | 3,075 |
| Return on Equity (ROE) | 1.4900% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.4864% | 3,831 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.3858% | 3,148 |
| Assets per employee ($millions) | 9.9741% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 3,453 |
| Loan loss allowance to noncurrent loans | 1,187.6033% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,391 |
| Noncurrent loans to loans | 0.0837% | 3,090 |
| Net loans and leases to total assets | 44.8700% | 3,847 |
| Net loans and leases to deposits | 75.3479% | 2,379 |
| Net loans and leases to core deposits | 83.9966% | 2,210 |
| Total domestic deposits to total assets | 59.5500% | 4,487 |
| Equity capital to assets | 40.4045% | 136 |
| Core capital (leverage) ratio | 40.0346% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $324,585,667 | 2,304 |
| Average earning assets | $313,753,667 | 2,239 |
| Average equity | $128,502,333 | 760 |
| Average total loans | $145,270,000 | 2,712 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8308% | 4,598 |
| Cost of funding earning assets | 0.5912% | 3,405 |
| Net interest margin | 2.2395% | 4,480 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.2796% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6600% | 3,556 |
| Return on assets (ROA) | 0.6600% | 3,509 |
| Pretax return on assets | 1.0058% | 2,975 |
| Return on Equity (ROE) | 1.6800% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.6839% | 3,755 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.9893% | 3,412 |
| Assets per employee ($millions) | 10.1969% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,574 |
| Loan loss allowance to noncurrent loans | 1,131.4961% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 2,351 |
| Noncurrent loans to loans | 0.0870% | 3,117 |
| Net loans and leases to total assets | 44.2800% | 3,851 |
| Net loans and leases to deposits | 74.6125% | 2,248 |
| Net loans and leases to core deposits | 82.4624% | 2,095 |
| Total domestic deposits to total assets | 59.3400% | 4,547 |
| Equity capital to assets | 39.3943% | 98 |
| Core capital (leverage) ratio | 39.4217% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $327,293,500 | 2,330 |
| Average earning assets | $315,957,000 | 2,273 |
| Average equity | $128,274,000 | 771 |
| Average total loans | $145,581,500 | 2,744 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5197% | 4,499 |
| Cost of funding earning assets | 0.2812% | 3,030 |
| Net interest margin | 2.2384% | 4,460 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.2932% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6451% | 3,770 |
| Return on assets (ROA) | 0.6451% | 3,722 |
| Pretax return on assets | 0.9650% | 3,176 |
| Return on Equity (ROE) | 1.6500% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.6537% | 4,061 |
| Net charge-offs to loans | 0.0021% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,046.6667% | 171 |
| Efficiency ratio | 57.2673% | 3,430 |
| Assets per employee ($millions) | 10.5899% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,446 |
| Loan loss allowance to noncurrent loans | 1,283.0357% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 2,420 |
| Noncurrent loans to loans | 0.0771% | 3,207 |
| Net loans and leases to total assets | 43.8100% | 3,905 |
| Net loans and leases to deposits | 73.3991% | 2,299 |
| Net loans and leases to core deposits | 81.0855% | 2,067 |
| Total domestic deposits to total assets | 59.6900% | 4,577 |
| Equity capital to assets | 38.9916% | 101 |
| Core capital (leverage) ratio | 38.9471% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $325,385,600 | 2,321 |
| Average earning assets | $311,826,800 | 2,274 |
| Average equity | $126,929,200 | 779 |
| Average total loans | $139,924,400 | 2,727 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4801% | 4,459 |
| Cost of funding earning assets | 0.2493% | 2,718 |
| Net interest margin | 2.2308% | 4,449 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.2756% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6505% | 3,695 |
| Return on assets (ROA) | 0.6505% | 3,651 |
| Pretax return on assets | 0.9832% | 3,064 |
| Return on Equity (ROE) | 1.6700% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.6674% | 4,094 |
| Net charge-offs to loans | 0.0029% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 204 |
| Efficiency ratio | 56.4727% | 3,571 |
| Assets per employee ($millions) | 10.8904% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,431 |
| Loan loss allowance to noncurrent loans | 700.9756% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,034 |
| Noncurrent loans to loans | 0.1439% | 2,899 |
| Net loans and leases to total assets | 43.1600% | 3,926 |
| Net loans and leases to deposits | 73.4771% | 2,094 |
| Net loans and leases to core deposits | 78.9283% | 1,978 |
| Total domestic deposits to total assets | 58.7400% | 4,625 |
| Equity capital to assets | 39.0219% | 96 |
| Core capital (leverage) ratio | 38.9378% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $324,660,500 | 2,345 |
| Average earning assets | $310,789,500 | 2,299 |
| Average equity | $126,660,500 | 789 |
| Average total loans | $138,591,500 | 2,742 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4430% | 4,425 |
| Cost of funding earning assets | 0.2429% | 2,358 |
| Net interest margin | 2.2000% | 4,431 |
| Noninterest income to average assets | 0.1247% | 4,373 |
| Noninterest expense to average assets | 1.3050% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5883% | 3,660 |
| Return on assets (ROA) | 0.5883% | 3,607 |
| Pretax return on assets | 0.9217% | 2,986 |
| Return on Equity (ROE) | 1.5081% | 4,406 |
| Retained earnings to average equity (ytd only) | 1.5081% | 3,878 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6083% | 3,477 |
| Assets per employee ($millions) | 10.9608% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,525 |
| Loan loss allowance to noncurrent loans | 1,180.3279% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 2,259 |
| Noncurrent loans to loans | 0.0862% | 3,346 |
| Net loans and leases to total assets | 42.5850% | 3,931 |
| Net loans and leases to deposits | 71.9312% | 2,034 |
| Net loans and leases to core deposits | 77.0204% | 1,922 |
| Total domestic deposits to total assets | 59.2023% | 4,692 |
| Equity capital to assets | 38.5792% | 53 |
| Core capital (leverage) ratio | 38.6739% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,977,000 | 2,366 |
| Average earning assets | $309,539,000 | 2,328 |
| Average equity | $126,384,333 | 796 |
| Average total loans | $137,307,333 | 2,768 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3902% | 4,389 |
| Cost of funding earning assets | 0.2321% | 2,365 |
| Net interest margin | 2.1581% | 4,391 |
| Noninterest income to average assets | 0.1232% | 4,392 |
| Noninterest expense to average assets | 1.2427% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6033% | 3,382 |
| Return on assets (ROA) | 0.6033% | 3,364 |
| Pretax return on assets | 0.9392% | 2,634 |
| Return on Equity (ROE) | 1.5379% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.5379% | 3,676 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9555% | 3,789 |
| Assets per employee ($millions) | 10.7196% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,519 |
| Loan loss allowance to noncurrent loans | 470.5882% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 2,035 |
| Noncurrent loans to loans | 0.2237% | 2,702 |
| Net loans and leases to total assets | 42.0916% | 3,873 |
| Net loans and leases to deposits | 69.5459% | 2,003 |
| Net loans and leases to core deposits | 74.5607% | 1,894 |
| Total domestic deposits to total assets | 60.5235% | 4,723 |
| Equity capital to assets | 39.3017% | 46 |
| Core capital (leverage) ratio | 39.4021% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,553,000 | 2,388 |
| Average earning assets | $306,756,500 | 2,355 |
| Average equity | $126,147,500 | 815 |
| Average total loans | $135,226,000 | 2,796 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5152% | 4,468 |
| Cost of funding earning assets | 0.2962% | 2,439 |
| Net interest margin | 2.2191% | 4,473 |
| Noninterest income to average assets | 0.2153% | 4,076 |
| Noninterest expense to average assets | 1.2650% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7279% | 3,548 |
| Return on assets (ROA) | 0.7279% | 3,610 |
| Pretax return on assets | 1.0686% | 3,068 |
| Return on Equity (ROE) | 1.8504% | 4,514 |
| Retained earnings to average equity (ytd only) | 1.8504% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2094% | 3,913 |
| Assets per employee ($millions) | 10.3715% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,451 |
| Loan loss allowance to noncurrent loans | 537.3134% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 2,240 |
| Noncurrent loans to loans | 0.2005% | 2,949 |
| Net loans and leases to total assets | 41.1207% | 4,024 |
| Net loans and leases to deposits | 67.7910% | 2,328 |
| Net loans and leases to core deposits | 73.2040% | 2,143 |
| Total domestic deposits to total assets | 60.6581% | 4,766 |
| Equity capital to assets | 39.1597% | 44 |
| Core capital (leverage) ratio | 39.0575% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,624,800 | 2,349 |
| Average earning assets | $303,191,000 | 2,320 |
| Average equity | $124,945,200 | 828 |
| Average total loans | $133,882,400 | 2,801 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5457% | 4,544 |
| Cost of funding earning assets | 0.3092% | 2,506 |
| Net interest margin | 2.2366% | 4,542 |
| Noninterest income to average assets | 0.2467% | 3,920 |
| Noninterest expense to average assets | 1.2303% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8105% | 3,501 |
| Return on assets (ROA) | 0.8105% | 3,570 |
| Pretax return on assets | 1.1516% | 3,072 |
| Return on Equity (ROE) | 2.0581% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.0581% | 4,173 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6528% | 4,056 |
| Assets per employee ($millions) | 10.0832% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,549 |
| Loan loss allowance to noncurrent loans | 325.0564% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 2,193 |
| Noncurrent loans to loans | 0.3312% | 2,595 |
| Net loans and leases to total assets | 41.0136% | 4,144 |
| Net loans and leases to deposits | 67.2677% | 2,516 |
| Net loans and leases to core deposits | 72.7515% | 2,344 |
| Total domestic deposits to total assets | 60.9708% | 4,832 |
| Equity capital to assets | 38.9012% | 46 |
| Core capital (leverage) ratio | 39.2406% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,651,750 | 2,383 |
| Average earning assets | $302,302,750 | 2,349 |
| Average equity | $124,705,250 | 844 |
| Average total loans | $133,940,500 | 2,834 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5923% | 4,550 |
| Cost of funding earning assets | 0.3271% | 2,525 |
| Net interest margin | 2.2652% | 4,547 |
| Noninterest income to average assets | 0.3490% | 3,366 |
| Noninterest expense to average assets | 1.2032% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9636% | 3,025 |
| Return on assets (ROA) | 0.9636% | 3,102 |
| Pretax return on assets | 1.3069% | 2,618 |
| Return on Equity (ROE) | 2.4366% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.4366% | 4,012 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9362% | 4,394 |
| Assets per employee ($millions) | 9.3662% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,544 |
| Loan loss allowance to noncurrent loans | 923.0769% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,703 |
| Noncurrent loans to loans | 0.1159% | 3,610 |
| Net loans and leases to total assets | 41.8088% | 4,192 |
| Net loans and leases to deposits | 69.0494% | 2,509 |
| Net loans and leases to core deposits | 74.6942% | 2,355 |
| Total domestic deposits to total assets | 60.5492% | 4,868 |
| Equity capital to assets | 39.2866% | 45 |
| Core capital (leverage) ratio | 39.7101% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,648,667 | 2,386 |
| Average earning assets | $300,193,333 | 2,347 |
| Average equity | $124,434,000 | 843 |
| Average total loans | $133,995,667 | 2,846 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 4,537 |
| Cost of funding earning assets | 0.3502% | 2,514 |
| Net interest margin | 2.2920% | 4,536 |
| Noninterest income to average assets | 0.5935% | 2,239 |
| Noninterest expense to average assets | 1.1460% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2867% | 1,868 |
| Return on assets (ROA) | 1.2867% | 1,938 |
| Pretax return on assets | 1.6320% | 1,644 |
| Return on Equity (ROE) | 3.2426% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.2426% | 3,707 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2523% | 4,699 |
| Assets per employee ($millions) | 9.5728% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,520 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,999 |
| Noncurrent loans to loans | 0.0721% | 3,930 |
| Net loans and leases to total assets | 41.7190% | 4,248 |
| Net loans and leases to deposits | 69.1787% | 2,585 |
| Net loans and leases to core deposits | 74.8987% | 2,438 |
| Total domestic deposits to total assets | 60.3060% | 4,883 |
| Equity capital to assets | 39.4426% | 43 |
| Core capital (leverage) ratio | 39.9892% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,747,000 | 2,383 |
| Average earning assets | $298,080,500 | 2,347 |
| Average equity | $124,096,500 | 834 |
| Average total loans | $133,703,000 | 2,852 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0988% | 4,563 |
| Cost of funding earning assets | 0.5043% | 2,922 |
| Net interest margin | 2.5945% | 4,505 |
| Noninterest income to average assets | 0.1865% | 4,357 |
| Noninterest expense to average assets | 1.3314% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9989% | 2,295 |
| Return on assets (ROA) | 0.9989% | 2,439 |
| Pretax return on assets | 1.3205% | 1,915 |
| Return on Equity (ROE) | 2.4699% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.4699% | 3,620 |
| Net charge-offs to loans | 0.0030% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 996.7500% | 118 |
| Efficiency ratio | 50.2061% | 4,519 |
| Assets per employee ($millions) | 9.3816% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,586 |
| Loan loss allowance to noncurrent loans | 573.7052% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,428 |
| Noncurrent loans to loans | 0.1871% | 3,543 |
| Net loans and leases to total assets | 42.8742% | 4,306 |
| Net loans and leases to deposits | 71.8979% | 2,693 |
| Net loans and leases to core deposits | 77.9181% | 2,556 |
| Total domestic deposits to total assets | 59.6320% | 4,914 |
| Equity capital to assets | 39.9213% | 44 |
| Core capital (leverage) ratio | 40.0275% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 106.2402% | 27 |
| Memoranda: | ||
| Average total assets | $301,928,400 | 2,284 |
| Average earning assets | $286,918,200 | 2,247 |
| Average equity | $122,110,600 | 813 |
| Average total loans | $133,144,800 | 2,826 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 4,589 |
| Cost of funding earning assets | 0.5338% | 3,030 |
| Net interest margin | 2.6687% | 4,500 |
| Noninterest income to average assets | 0.2089% | 4,227 |
| Noninterest expense to average assets | 1.3132% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0373% | 2,198 |
| Return on assets (ROA) | 1.0373% | 2,323 |
| Pretax return on assets | 1.4306% | 1,633 |
| Return on Equity (ROE) | 2.5562% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.5562% | 3,703 |
| Net charge-offs to loans | 0.0040% | 3,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 804.7500% | 153 |
| Efficiency ratio | 47.8620% | 4,615 |
| Assets per employee ($millions) | 9.0485% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,367 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 2,676 |
| Noncurrent loans to loans | 0.0334% | 4,255 |
| Net loans and leases to total assets | 43.3138% | 4,446 |
| Net loans and leases to deposits | 72.6417% | 3,076 |
| Net loans and leases to core deposits | 78.8205% | 2,934 |
| Total domestic deposits to total assets | 59.6266% | 4,934 |
| Equity capital to assets | 39.9518% | 40 |
| Core capital (leverage) ratio | 40.2159% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 106.7125% | 29 |
| Memoranda: | ||
| Average total assets | $300,012,500 | 2,282 |
| Average earning assets | $284,976,250 | 2,243 |
| Average equity | $121,740,000 | 805 |
| Average total loans | $132,887,250 | 2,842 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3018% | 4,648 |
| Cost of funding earning assets | 0.5633% | 3,164 |
| Net interest margin | 2.7385% | 4,522 |
| Noninterest income to average assets | 0.1432% | 4,590 |
| Noninterest expense to average assets | 1.2862% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0038% | 2,312 |
| Return on assets (ROA) | 1.0038% | 2,436 |
| Pretax return on assets | 1.4556% | 1,570 |
| Return on Equity (ROE) | 2.4607% | 4,452 |
| Retained earnings to average equity (ytd only) | 2.4607% | 3,596 |
| Net charge-offs to loans | 0.0060% | 2,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 541.2500% | 191 |
| Efficiency ratio | 46.9103% | 4,680 |
| Assets per employee ($millions) | 8.9601% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,220 |
| Loan loss allowance to noncurrent loans | 602.5105% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,319 |
| Noncurrent loans to loans | 0.1780% | 3,736 |
| Net loans and leases to total assets | 43.5976% | 4,473 |
| Net loans and leases to deposits | 73.2680% | 3,143 |
| Net loans and leases to core deposits | 78.8860% | 3,034 |
| Total domestic deposits to total assets | 59.5043% | 4,963 |
| Equity capital to assets | 40.0699% | 39 |
| Core capital (leverage) ratio | 40.5068% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,467,333 | 2,270 |
| Average earning assets | $282,268,667 | 2,230 |
| Average equity | $121,349,667 | 796 |
| Average total loans | $132,285,000 | 2,836 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 4,635 |
| Cost of funding earning assets | 0.5840% | 3,514 |
| Net interest margin | 2.9116% | 4,419 |
| Noninterest income to average assets | 0.1620% | 4,563 |
| Noninterest expense to average assets | 1.2127% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1216% | 1,779 |
| Return on assets (ROA) | 1.1216% | 1,877 |
| Pretax return on assets | 1.7109% | 842 |
| Return on Equity (ROE) | 2.7242% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.7242% | 3,188 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4804% | 4,958 |
| Assets per employee ($millions) | 8.6757% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,226 |
| Loan loss allowance to noncurrent loans | 342.1801% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,352 |
| Noncurrent loans to loans | 0.3205% | 3,343 |
| Net loans and leases to total assets | 44.1429% | 4,498 |
| Net loans and leases to deposits | 75.5826% | 3,110 |
| Net loans and leases to core deposits | 81.6825% | 3,042 |
| Total domestic deposits to total assets | 58.4035% | 5,033 |
| Equity capital to assets | 41.1565% | 47 |
| Core capital (leverage) ratio | 41.1940% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 109.0087% | 35 |
| Memoranda: | ||
| Average total assets | $293,878,500 | 2,246 |
| Average earning assets | $278,745,000 | 2,204 |
| Average equity | $120,989,000 | 786 |
| Average total loans | $131,298,500 | 2,819 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,638 |
| Cost of funding earning assets | 0.5684% | 3,781 |
| Net interest margin | 3.1716% | 4,249 |
| Noninterest income to average assets | 0.1124% | 4,892 |
| Noninterest expense to average assets | 1.2837% | 5,072 |
| Loan and lease loss provision to assets | 0.0007% | 3,967 |
| Net operating income to assets | 1.3708% | 1,444 |
| Return on assets (ROA) | 1.3708% | 1,520 |
| Pretax return on assets | 1.8216% | 886 |
| Return on Equity (ROE) | 3.4265% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.4265% | 3,295 |
| Net charge-offs to loans | 0.0023% | 3,616 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1,799.0000% | 42 |
| Efficiency ratio | 41.3306% | 5,038 |
| Assets per employee ($millions) | 8.8722% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 2,938 |
| Loan loss allowance to noncurrent loans | 1,102.2901% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 2,477 |
| Noncurrent loans to loans | 0.1000% | 4,126 |
| Net loans and leases to total assets | 44.2304% | 4,594 |
| Net loans and leases to deposits | 75.7069% | 3,209 |
| Net loans and leases to core deposits | 82.0627% | 3,114 |
| Total domestic deposits to total assets | 58.4231% | 5,095 |
| Equity capital to assets | 41.1831% | 46 |
| Core capital (leverage) ratio | 40.9744% | 49 |
| Tier 1 risk-based capital ratio | 108.2222% | 43 |
| Total risk-based capital ratio | 109.4726% | 43 |
| Memoranda: | ||
| Average total assets | $296,166,800 | 2,178 |
| Average earning assets | $279,539,400 | 2,149 |
| Average equity | $118,487,800 | 772 |
| Average total loans | $131,570,600 | 2,807 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7676% | 4,709 |
| Cost of funding earning assets | 0.5598% | 3,872 |
| Net interest margin | 3.2078% | 4,280 |
| Noninterest income to average assets | 0.1100% | 4,953 |
| Noninterest expense to average assets | 1.2587% | 5,161 |
| Loan and lease loss provision to assets | 0.0009% | 3,830 |
| Net operating income to assets | 1.4073% | 1,447 |
| Return on assets (ROA) | 1.4073% | 1,508 |
| Pretax return on assets | 1.8755% | 919 |
| Return on Equity (ROE) | 3.5433% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.5433% | 3,631 |
| Net charge-offs to loans | 0.0020% | 3,370 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2,087.3371% | 33 |
| Efficiency ratio | 40.1489% | 5,120 |
| Assets per employee ($millions) | 8.9942% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,118 |
| Loan loss allowance to noncurrent loans | 297.9381% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,251 |
| Noncurrent loans to loans | 0.3634% | 3,250 |
| Net loans and leases to total assets | 44.4776% | 4,675 |
| Net loans and leases to deposits | 75.1860% | 3,370 |
| Net loans and leases to core deposits | 81.6003% | 3,276 |
| Total domestic deposits to total assets | 59.1568% | 5,168 |
| Equity capital to assets | 40.2738% | 51 |
| Core capital (leverage) ratio | 40.5486% | 52 |
| Tier 1 risk-based capital ratio | 108.3519% | 40 |
| Total risk-based capital ratio | 109.6019% | 40 |
| Memoranda: | ||
| Average total assets | $297,012,750 | 2,193 |
| Average earning assets | $280,102,250 | 2,160 |
| Average equity | $117,965,500 | 770 |
| Average total loans | $131,727,500 | 2,836 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,752 |
| Cost of funding earning assets | 0.5398% | 3,936 |
| Net interest margin | 3.2273% | 4,297 |
| Noninterest income to average assets | 0.1091% | 5,002 |
| Noninterest expense to average assets | 1.2993% | 5,205 |
| Loan and lease loss provision to assets | 0.0013% | 3,675 |
| Net operating income to assets | 1.3761% | 1,495 |
| Return on assets (ROA) | 1.3761% | 1,558 |
| Pretax return on assets | 1.8513% | 932 |
| Return on Equity (ROE) | 3.4809% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.4809% | 3,497 |
| Net charge-offs to loans | 0.0030% | 3,060 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 1,376.0000% | 48 |
| Efficiency ratio | 41.2217% | 5,140 |
| Assets per employee ($millions) | 9.5114% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,132 |
| Loan loss allowance to noncurrent loans | 1,120.1550% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,524 |
| Noncurrent loans to loans | 0.0971% | 4,242 |
| Net loans and leases to total assets | 44.5570% | 4,696 |
| Net loans and leases to deposits | 75.2792% | 3,395 |
| Net loans and leases to core deposits | 81.0270% | 3,339 |
| Total domestic deposits to total assets | 59.1890% | 5,216 |
| Equity capital to assets | 40.1711% | 51 |
| Core capital (leverage) ratio | 40.3538% | 49 |
| Tier 1 risk-based capital ratio | 109.9593% | 41 |
| Total risk-based capital ratio | 111.2098% | 41 |
| Memoranda: | ||
| Average total assets | $297,081,000 | 2,198 |
| Average earning assets | $280,108,330 | 2,168 |
| Average equity | $117,442,000 | 765 |
| Average total loans | $131,150,670 | 2,856 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,795 |
| Cost of funding earning assets | 0.5214% | 3,969 |
| Net interest margin | 3.2183% | 4,353 |
| Noninterest income to average assets | 0.1221% | 5,003 |
| Noninterest expense to average assets | 1.2341% | 5,275 |
| Loan and lease loss provision to assets | 0.0027% | 3,382 |
| Net operating income to assets | 1.4434% | 1,256 |
| Return on assets (ROA) | 1.4434% | 1,284 |
| Pretax return on assets | 1.9155% | 765 |
| Return on Equity (ROE) | 3.6805% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.6805% | 3,451 |
| Net charge-offs to loans | 0.0061% | 2,478 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 715.0000% | 93 |
| Efficiency ratio | 39.1489% | 5,223 |
| Assets per employee ($millions) | 9.1623% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,047 |
| Loan loss allowance to noncurrent loans | 650.9009% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,923 |
| Noncurrent loans to loans | 0.1712% | 3,982 |
| Net loans and leases to total assets | 43.7332% | 4,756 |
| Net loans and leases to deposits | 73.8110% | 3,466 |
| Net loans and leases to core deposits | 78.7659% | 3,466 |
| Total domestic deposits to total assets | 59.2502% | 5,282 |
| Equity capital to assets | 40.0684% | 47 |
| Core capital (leverage) ratio | 39.8449% | 47 |
| Tier 1 risk-based capital ratio | 113.0629% | 37 |
| Total risk-based capital ratio | 114.3140% | 37 |
| Memoranda: | ||
| Average total assets | $298,194,500 | 2,206 |
| Average earning assets | $280,773,500 | 2,174 |
| Average equity | $116,940,000 | 762 |
| Average total loans | $130,314,500 | 2,901 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4061% | 4,997 |
| Cost of funding earning assets | 0.4673% | 3,569 |
| Net interest margin | 2.9389% | 4,865 |
| Noninterest income to average assets | 0.1737% | 4,859 |
| Noninterest expense to average assets | 1.4808% | 5,235 |
| Loan and lease loss provision to assets | 0.0020% | 4,062 |
| Net operating income to assets | 1.0151% | 2,946 |
| Return on assets (ROA) | 1.0151% | 2,930 |
| Pretax return on assets | 1.4595% | 1,916 |
| Return on Equity (ROE) | 2.6985% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,055 |
| Net charge-offs to loans | 0.0047% | 3,551 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 743.1667% | 148 |
| Efficiency ratio | 50.3286% | 4,920 |
| Assets per employee ($millions) | 8.9175% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,079 |
| Loan loss allowance to noncurrent loans | 234.1977% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 1,802 |
| Noncurrent loans to loans | 0.4711% | 2,858 |
| Net loans and leases to total assets | 42.7171% | 4,855 |
| Net loans and leases to deposits | 70.1733% | 3,814 |
| Net loans and leases to core deposits | 78.9284% | 3,507 |
| Total domestic deposits to total assets | 60.8737% | 5,310 |
| Equity capital to assets | 38.3918% | 51 |
| Core capital (leverage) ratio | 38.1978% | 53 |
| Tier 1 risk-based capital ratio | 113.8662% | 38 |
| Total risk-based capital ratio | 115.1173% | 38 |
| Memoranda: | ||
| Average total assets | $305,104,200 | 2,125 |
| Average earning assets | $287,421,600 | 2,091 |
| Average equity | $114,768,600 | 743 |
| Average total loans | $129,018,800 | 2,884 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3236% | 5,107 |
| Cost of funding earning assets | 0.4452% | 3,557 |
| Net interest margin | 2.8784% | 5,003 |
| Noninterest income to average assets | 0.2055% | 4,736 |
| Noninterest expense to average assets | 1.4442% | 5,307 |
| Loan and lease loss provision to assets | 0.0026% | 3,915 |
| Net operating income to assets | 1.0358% | 2,939 |
| Return on assets (ROA) | 1.0358% | 2,947 |
| Pretax return on assets | 1.4699% | 1,995 |
| Return on Equity (ROE) | 2.7678% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.7678% | 4,323 |
| Net charge-offs to loans | 0.0062% | 3,213 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 562.4863% | 161 |
| Efficiency ratio | 49.5138% | 4,967 |
| Assets per employee ($millions) | 9.2760% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,171 |
| Loan loss allowance to noncurrent loans | 268.5874% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 1,831 |
| Noncurrent loans to loans | 0.4110% | 3,181 |
| Net loans and leases to total assets | 42.2949% | 4,946 |
| Net loans and leases to deposits | 68.9298% | 3,991 |
| Net loans and leases to core deposits | 77.8366% | 3,671 |
| Total domestic deposits to total assets | 61.3594% | 5,379 |
| Equity capital to assets | 37.7903% | 49 |
| Core capital (leverage) ratio | 37.7820% | 51 |
| Tier 1 risk-based capital ratio | 113.9975% | 35 |
| Total risk-based capital ratio | 115.2491% | 35 |
| Memoranda: | ||
| Average total assets | $305,581,500 | 2,126 |
| Average earning assets | $287,833,500 | 2,101 |
| Average equity | $114,360,250 | 745 |
| Average total loans | $128,533,250 | 2,916 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2433% | 5,190 |
| Cost of funding earning assets | 0.4180% | 3,585 |
| Net interest margin | 2.8253% | 5,093 |
| Noninterest income to average assets | 0.0347% | 5,433 |
| Noninterest expense to average assets | 1.4512% | 5,366 |
| Loan and lease loss provision to assets | 0.0039% | 3,737 |
| Net operating income to assets | 0.8487% | 3,684 |
| Return on assets (ROA) | 0.8487% | 3,684 |
| Pretax return on assets | 1.2397% | 2,772 |
| Return on Equity (ROE) | 2.2753% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.2753% | 4,370 |
| Net charge-offs to loans | 0.0094% | 2,804 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 316.5000% | 293 |
| Efficiency ratio | 53.8518% | 4,709 |
| Assets per employee ($millions) | 9.5922% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,179 |
| Loan loss allowance to noncurrent loans | 281.1284% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 1,773 |
| Noncurrent loans to loans | 0.3966% | 3,269 |
| Net loans and leases to total assets | 41.7500% | 4,992 |
| Net loans and leases to deposits | 67.6007% | 4,041 |
| Net loans and leases to core deposits | 76.2415% | 3,728 |
| Total domestic deposits to total assets | 61.7597% | 5,438 |
| Equity capital to assets | 37.3353% | 54 |
| Core capital (leverage) ratio | 37.4993% | 51 |
| Tier 1 risk-based capital ratio | 113.4158% | 38 |
| Total risk-based capital ratio | 114.6677% | 39 |
| Memoranda: | ||
| Average total assets | $305,406,000 | 2,139 |
| Average earning assets | $287,548,000 | 2,112 |
| Average equity | $113,920,670 | 747 |
| Average total loans | $127,740,000 | 2,941 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 5,280 |
| Cost of funding earning assets | 0.3881% | 3,677 |
| Net interest margin | 2.7571% | 5,199 |
| Noninterest income to average assets | -0.1431% | 5,594 |
| Noninterest expense to average assets | 1.3551% | 5,470 |
| Loan and lease loss provision to assets | 0.0039% | 3,462 |
| Net operating income to assets | 0.7235% | 4,010 |
| Return on assets (ROA) | 0.7235% | 4,017 |
| Pretax return on assets | 1.0911% | 3,204 |
| Return on Equity (ROE) | 1.9405% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.9405% | 4,367 |
| Net charge-offs to loans | 0.0095% | 2,403 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 245 |
| Efficiency ratio | 55.3055% | 4,664 |
| Assets per employee ($millions) | 9.8381% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,114 |
| Loan loss allowance to noncurrent loans | 91.5136% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 1,205 |
| Noncurrent loans to loans | 1.2520% | 1,444 |
| Net loans and leases to total assets | 40.8799% | 5,036 |
| Net loans and leases to deposits | 66.3244% | 4,065 |
| Net loans and leases to core deposits | 74.6952% | 3,766 |
| Total domestic deposits to total assets | 61.6363% | 5,512 |
| Equity capital to assets | 37.3322% | 52 |
| Core capital (leverage) ratio | 37.5307% | 49 |
| Tier 1 risk-based capital ratio | 116.2793% | 36 |
| Total risk-based capital ratio | 117.5314% | 36 |
| Memoranda: | ||
| Average total assets | $304,633,500 | 2,164 |
| Average earning assets | $286,536,500 | 2,142 |
| Average equity | $113,580,500 | 752 |
| Average total loans | $126,811,500 | 2,981 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 5,295 |
| Cost of funding earning assets | 0.3228% | 3,928 |
| Net interest margin | 2.7719% | 5,207 |
| Noninterest income to average assets | 0.1551% | 5,185 |
| Noninterest expense to average assets | 1.3904% | 5,525 |
| Loan and lease loss provision to assets | -0.2267% | 5,590 |
| Net operating income to assets | 0.6997% | 3,607 |
| Return on assets (ROA) | 0.6997% | 3,660 |
| Pretax return on assets | 1.5941% | 1,309 |
| Return on Equity (ROE) | 1.9229% | 5,074 |
| Retained earnings to average equity (ytd only) | 1.9229% | 4,167 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4168% | 5,197 |
| Assets per employee ($millions) | 9.8157% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,164 |
| Loan loss allowance to noncurrent loans | 368.6224% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 1,567 |
| Noncurrent loans to loans | 0.3074% | 3,678 |
| Net loans and leases to total assets | 41.4271% | 5,086 |
| Net loans and leases to deposits | 67.1627% | 4,092 |
| Net loans and leases to core deposits | 75.3938% | 3,788 |
| Total domestic deposits to total assets | 61.6818% | 5,572 |
| Equity capital to assets | 37.2364% | 49 |
| Core capital (leverage) ratio | 37.0511% | 48 |
| Tier 1 risk-based capital ratio | 115.6032% | 34 |
| Total risk-based capital ratio | 116.8551% | 34 |
| Memoranda: | ||
| Average total assets | $308,828,600 | 2,124 |
| Average earning assets | $289,986,000 | 2,098 |
| Average equity | $112,381,400 | 734 |
| Average total loans | $130,774,200 | 2,904 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 5,334 |
| Cost of funding earning assets | 0.3088% | 4,045 |
| Net interest margin | 2.7910% | 5,231 |
| Noninterest income to average assets | 0.1622% | 5,207 |
| Noninterest expense to average assets | 1.3455% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8422% | 3,316 |
| Return on assets (ROA) | 0.8422% | 3,364 |
| Pretax return on assets | 1.4371% | 1,983 |
| Return on Equity (ROE) | 2.3278% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.3278% | 4,483 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3537% | 5,325 |
| Assets per employee ($millions) | 9.6017% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 1,151 |
| Loan loss allowance to noncurrent loans | 348.2143% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 2,301 |
| Noncurrent loans to loans | 0.4715% | 3,276 |
| Net loans and leases to total assets | 41.8199% | 5,121 |
| Net loans and leases to deposits | 67.5422% | 4,146 |
| Net loans and leases to core deposits | 75.5193% | 3,837 |
| Total domestic deposits to total assets | 61.9167% | 5,639 |
| Equity capital to assets | 36.8107% | 50 |
| Core capital (leverage) ratio | 36.6521% | 49 |
| Tier 1 risk-based capital ratio | 113.8970% | 36 |
| Total risk-based capital ratio | 115.1578% | 36 |
| Memoranda: | ||
| Average total assets | $309,964,250 | 2,128 |
| Average earning assets | $291,022,000 | 2,105 |
| Average equity | $112,150,500 | 737 |
| Average total loans | $131,592,250 | 2,920 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 5,359 |
| Cost of funding earning assets | 0.3024% | 4,059 |
| Net interest margin | 2.7826% | 5,270 |
| Noninterest income to average assets | 0.1570% | 5,269 |
| Noninterest expense to average assets | 1.2623% | 5,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8827% | 3,006 |
| Return on assets (ROA) | 0.8827% | 3,066 |
| Pretax return on assets | 1.5055% | 1,610 |
| Return on Equity (ROE) | 2.4537% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.4537% | 4,215 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6067% | 5,473 |
| Assets per employee ($millions) | 9.6849% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 1,162 |
| Loan loss allowance to noncurrent loans | 122.7819% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 1,401 |
| Noncurrent loans to loans | 1.3419% | 1,438 |
| Net loans and leases to total assets | 41.3158% | 5,178 |
| Net loans and leases to deposits | 66.2145% | 4,208 |
| Net loans and leases to core deposits | 73.8825% | 3,948 |
| Total domestic deposits to total assets | 62.3968% | 5,679 |
| Equity capital to assets | 36.3051% | 49 |
| Core capital (leverage) ratio | 36.2954% | 49 |
| Tier 1 risk-based capital ratio | 110.5157% | 36 |
| Total risk-based capital ratio | 111.7759% | 36 |
| Memoranda: | ||
| Average total assets | $310,868,000 | 2,127 |
| Average earning assets | $291,672,670 | 2,104 |
| Average equity | $111,833,330 | 738 |
| Average total loans | $131,910,330 | 2,913 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0651% | 5,398 |
| Cost of funding earning assets | 0.2971% | 4,073 |
| Net interest margin | 2.7680% | 5,306 |
| Noninterest income to average assets | 0.1979% | 5,083 |
| Noninterest expense to average assets | 1.2693% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8942% | 2,794 |
| Return on assets (ROA) | 0.8942% | 2,839 |
| Pretax return on assets | 1.5263% | 1,454 |
| Return on Equity (ROE) | 2.4970% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.4970% | 4,143 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4044% | 5,553 |
| Assets per employee ($millions) | 9.7564% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,351 |
| Loan loss allowance to noncurrent loans | 169.4313% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1678% | 1,507 |
| Noncurrent loans to loans | 0.9514% | 2,142 |
| Net loans and leases to total assets | 41.9357% | 5,166 |
| Net loans and leases to deposits | 66.8817% | 4,099 |
| Net loans and leases to core deposits | 74.5612% | 3,784 |
| Total domestic deposits to total assets | 62.7013% | 5,753 |
| Equity capital to assets | 35.8227% | 55 |
| Core capital (leverage) ratio | 36.0274% | 53 |
| Tier 1 risk-based capital ratio | 107.0567% | 38 |
| Total risk-based capital ratio | 108.3164% | 38 |
| Memoranda: | ||
| Average total assets | $311,343,000 | 2,144 |
| Average earning assets | $292,193,500 | 2,122 |
| Average equity | $111,492,000 | 739 |
| Average total loans | $132,770,500 | 2,923 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1129% | 5,389 |
| Cost of funding earning assets | 0.2822% | 4,239 |
| Net interest margin | 2.8307% | 5,240 |
| Noninterest income to average assets | 0.1256% | 5,556 |
| Noninterest expense to average assets | 1.4552% | 5,743 |
| Loan and lease loss provision to assets | -0.1725% | 5,761 |
| Net operating income to assets | 0.8864% | 2,897 |
| Return on assets (ROA) | 0.8864% | 3,014 |
| Pretax return on assets | 1.4976% | 1,590 |
| Return on Equity (ROE) | 2.5320% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.5320% | 4,076 |
| Net charge-offs to loans | -0.1357% | 5,661 |
| Credit loss provision to net charge-offs | 298.8950% | 991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3394% | 5,354 |
| Assets per employee ($millions) | 9.4085% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,326 |
| Loan loss allowance to noncurrent loans | 176.6886% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 1,672 |
| Noncurrent loans to loans | 0.9164% | 2,264 |
| Net loans and leases to total assets | 41.9754% | 5,231 |
| Net loans and leases to deposits | 66.9791% | 4,173 |
| Net loans and leases to core deposits | 74.6601% | 3,866 |
| Total domestic deposits to total assets | 62.6693% | 5,799 |
| Equity capital to assets | 35.7972% | 54 |
| Core capital (leverage) ratio | 35.7640% | 52 |
| Tier 1 risk-based capital ratio | 108.5677% | 38 |
| Total risk-based capital ratio | 109.8278% | 38 |
| Memoranda: | ||
| Average total assets | $313,627,800 | 2,098 |
| Average earning assets | $294,133,000 | 2,077 |
| Average equity | $109,796,600 | 733 |
| Average total loans | $133,431,200 | 2,871 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1262% | 5,445 |
| Cost of funding earning assets | 0.2790% | 4,302 |
| Net interest margin | 2.8472% | 5,277 |
| Noninterest income to average assets | 0.1340% | 5,582 |
| Noninterest expense to average assets | 1.4477% | 5,797 |
| Loan and lease loss provision to assets | -0.2040% | 5,872 |
| Net operating income to assets | 0.9244% | 2,786 |
| Return on assets (ROA) | 0.9244% | 2,912 |
| Pretax return on assets | 1.5605% | 1,495 |
| Return on Equity (ROE) | 2.6554% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.6554% | 4,325 |
| Net charge-offs to loans | -0.1805% | 5,733 |
| Credit loss provision to net charge-offs | 265.7459% | 1,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6256% | 5,406 |
| Assets per employee ($millions) | 9.4861% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 1,312 |
| Loan loss allowance to noncurrent loans | 144.0235% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 1,539 |
| Noncurrent loans to loans | 1.1507% | 1,951 |
| Net loans and leases to total assets | 41.7982% | 5,304 |
| Net loans and leases to deposits | 66.5211% | 4,302 |
| Net loans and leases to core deposits | 74.0438% | 3,998 |
| Total domestic deposits to total assets | 62.8345% | 5,859 |
| Equity capital to assets | 35.3131% | 55 |
| Core capital (leverage) ratio | 35.3890% | 55 |
| Tier 1 risk-based capital ratio | 106.9836% | 37 |
| Total risk-based capital ratio | 108.2437% | 38 |
| Memoranda: | ||
| Average total assets | $314,414,250 | 2,098 |
| Average earning assets | $294,873,750 | 2,080 |
| Average equity | $109,459,750 | 733 |
| Average total loans | $133,671,250 | 2,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 5,484 |
| Cost of funding earning assets | 0.2810% | 4,335 |
| Net interest margin | 2.8821% | 5,298 |
| Noninterest income to average assets | 0.1347% | 5,638 |
| Noninterest expense to average assets | 1.4609% | 5,866 |
| Loan and lease loss provision to assets | -0.1785% | 5,928 |
| Net operating income to assets | 0.9210% | 2,764 |
| Return on assets (ROA) | 0.9210% | 2,899 |
| Pretax return on assets | 1.5556% | 1,502 |
| Return on Equity (ROE) | 2.6582% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.6582% | 4,206 |
| Net charge-offs to loans | -0.2704% | 5,864 |
| Credit loss provision to net charge-offs | 155.2486% | 1,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4772% | 5,474 |
| Assets per employee ($millions) | 9.5024% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 1,072 |
| Loan loss allowance to noncurrent loans | 136.4152% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 1,568 |
| Noncurrent loans to loans | 1.3228% | 1,705 |
| Net loans and leases to total assets | 41.7340% | 5,348 |
| Net loans and leases to deposits | 66.1804% | 4,335 |
| Net loans and leases to core deposits | 72.5868% | 4,121 |
| Total domestic deposits to total assets | 63.0610% | 5,943 |
| Equity capital to assets | 35.0196% | 55 |
| Core capital (leverage) ratio | 35.0923% | 55 |
| Tier 1 risk-based capital ratio | 105.2181% | 40 |
| Total risk-based capital ratio | 106.4809% | 40 |
| Memoranda: | ||
| Average total assets | $314,872,330 | 2,100 |
| Average earning assets | $295,339,670 | 2,084 |
| Average equity | $109,098,330 | 738 |
| Average total loans | $133,878,330 | 2,869 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2598% | 5,396 |
| Cost of funding earning assets | 0.2855% | 4,325 |
| Net interest margin | 2.9743% | 5,175 |
| Noninterest income to average assets | 0.1547% | 5,567 |
| Noninterest expense to average assets | 1.3717% | 5,970 |
| Loan and lease loss provision to assets | -0.0520% | 5,945 |
| Net operating income to assets | 0.9546% | 2,492 |
| Return on assets (ROA) | 0.9546% | 2,608 |
| Pretax return on assets | 1.6215% | 1,245 |
| Return on Equity (ROE) | 2.7699% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.7699% | 4,133 |
| Net charge-offs to loans | -0.5396% | 6,002 |
| Credit loss provision to net charge-offs | 22.6519% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6379% | 5,784 |
| Assets per employee ($millions) | 9.5110% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 861 |
| Loan loss allowance to noncurrent loans | 120.6661% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 1,095 |
| Noncurrent loans to loans | 1.6319% | 1,404 |
| Net loans and leases to total assets | 41.9527% | 5,356 |
| Net loans and leases to deposits | 66.4664% | 4,212 |
| Net loans and leases to core deposits | 72.7734% | 4,001 |
| Total domestic deposits to total assets | 63.1186% | 6,012 |
| Equity capital to assets | 34.7658% | 54 |
| Core capital (leverage) ratio | 34.6351% | 54 |
| Tier 1 risk-based capital ratio | 102.2298% | 43 |
| Total risk-based capital ratio | 103.4946% | 43 |
| Memoranda: | ||
| Average total assets | $315,519,000 | 2,107 |
| Average earning assets | $295,601,000 | 2,085 |
| Average equity | $108,740,500 | 745 |
| Average total loans | $134,180,500 | 2,872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 5,640 |
| Cost of funding earning assets | 0.3117% | 4,117 |
| Net interest margin | 2.7809% | 5,551 |
| Noninterest income to average assets | 0.1321% | 5,755 |
| Noninterest expense to average assets | 1.3966% | 6,033 |
| Loan and lease loss provision to assets | 0.0003% | 4,378 |
| Net operating income to assets | 0.7841% | 3,402 |
| Return on assets (ROA) | 0.7841% | 3,480 |
| Pretax return on assets | 1.3357% | 2,147 |
| Return on Equity (ROE) | 2.3551% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.3551% | 4,380 |
| Net charge-offs to loans | 0.0302% | 3,618 |
| Credit loss provision to net charge-offs | 2.4390% | 3,884 |
| Earnings coverage of net charge-offs (x) | 104.8537% | 554 |
| Efficiency ratio | 51.1088% | 5,695 |
| Assets per employee ($millions) | 9.6114% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 1,016 |
| Loan loss allowance to noncurrent loans | 103.0016% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 1,079 |
| Noncurrent loans to loans | 1.8144% | 1,205 |
| Net loans and leases to total assets | 41.4714% | 5,440 |
| Net loans and leases to deposits | 65.1048% | 4,390 |
| Net loans and leases to core deposits | 71.4277% | 4,185 |
| Total domestic deposits to total assets | 63.6995% | 6,051 |
| Equity capital to assets | 34.1654% | 55 |
| Core capital (leverage) ratio | 34.0459% | 54 |
| Tier 1 risk-based capital ratio | 99.3217% | 42 |
| Total risk-based capital ratio | 100.5838% | 42 |
| Memoranda: | ||
| Average total assets | $321,780,600 | 2,036 |
| Average earning assets | $300,908,200 | 2,012 |
| Average equity | $107,129,200 | 720 |
| Average total loans | $135,962,600 | 2,783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1063% | 5,701 |
| Cost of funding earning assets | 0.3154% | 4,161 |
| Net interest margin | 2.7909% | 5,597 |
| Noninterest income to average assets | 0.1268% | 5,841 |
| Noninterest expense to average assets | 1.3633% | 6,121 |
| Loan and lease loss provision to assets | 0.0004% | 4,230 |
| Net operating income to assets | 0.8088% | 3,391 |
| Return on assets (ROA) | 0.8088% | 3,490 |
| Pretax return on assets | 1.3720% | 2,128 |
| Return on Equity (ROE) | 2.4452% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.4452% | 4,649 |
| Net charge-offs to loans | 0.0401% | 3,084 |
| Credit loss provision to net charge-offs | 2.4390% | 3,508 |
| Earnings coverage of net charge-offs (x) | 81.0662% | 737 |
| Efficiency ratio | 49.8340% | 5,789 |
| Assets per employee ($millions) | 9.7070% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 1,141 |
| Loan loss allowance to noncurrent loans | 173.1168% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4894% | 1,509 |
| Noncurrent loans to loans | 1.0789% | 2,329 |
| Net loans and leases to total assets | 41.0870% | 5,534 |
| Net loans and leases to deposits | 64.3212% | 4,528 |
| Net loans and leases to core deposits | 70.5732% | 4,315 |
| Total domestic deposits to total assets | 63.8779% | 6,131 |
| Equity capital to assets | 33.6528% | 57 |
| Core capital (leverage) ratio | 33.6355% | 55 |
| Tier 1 risk-based capital ratio | 96.9085% | 45 |
| Total risk-based capital ratio | 98.1706% | 44 |
| Memoranda: | ||
| Average total assets | $322,932,000 | 2,044 |
| Average earning assets | $301,876,750 | 2,024 |
| Average equity | $106,820,500 | 729 |
| Average total loans | $136,442,750 | 2,791 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1148% | 5,729 |
| Cost of funding earning assets | 0.3186% | 4,177 |
| Net interest margin | 2.7962% | 5,622 |
| Noninterest income to average assets | 0.1254% | 5,922 |
| Noninterest expense to average assets | 1.4070% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7863% | 3,454 |
| Return on assets (ROA) | 0.7863% | 3,558 |
| Pretax return on assets | 1.3311% | 2,241 |
| Return on Equity (ROE) | 2.3907% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.3907% | 4,537 |
| Net charge-offs to loans | 0.0598% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 52.5610% | 921 |
| Efficiency ratio | 51.3873% | 5,759 |
| Assets per employee ($millions) | 9.7201% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 1,289 |
| Loan loss allowance to noncurrent loans | 197.7883% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 1,721 |
| Noncurrent loans to loans | 0.9310% | 2,806 |
| Net loans and leases to total assets | 41.6153% | 5,527 |
| Net loans and leases to deposits | 65.0415% | 4,436 |
| Net loans and leases to core deposits | 71.1334% | 4,211 |
| Total domestic deposits to total assets | 63.9826% | 6,205 |
| Equity capital to assets | 33.3936% | 58 |
| Core capital (leverage) ratio | 33.3014% | 57 |
| Tier 1 risk-based capital ratio | 91.6444% | 51 |
| Total risk-based capital ratio | 92.9047% | 50 |
| Memoranda: | ||
| Average total assets | $323,799,330 | 2,056 |
| Average earning assets | $302,558,670 | 2,032 |
| Average equity | $106,494,000 | 732 |
| Average total loans | $137,217,330 | 2,786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 5,768 |
| Cost of funding earning assets | 0.3238% | 4,179 |
| Net interest margin | 2.7862% | 5,672 |
| Noninterest income to average assets | 0.1279% | 5,961 |
| Noninterest expense to average assets | 1.3058% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8435% | 3,040 |
| Return on assets (ROA) | 0.8435% | 3,167 |
| Pretax return on assets | 1.4251% | 1,791 |
| Return on Equity (ROE) | 2.5842% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.5842% | 4,389 |
| Net charge-offs to loans | 0.1190% | 1,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 28.2683% | 1,184 |
| Efficiency ratio | 47.8163% | 6,030 |
| Assets per employee ($millions) | 9.8093% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,463 |
| Loan loss allowance to noncurrent loans | 157.3853% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 1,537 |
| Noncurrent loans to loans | 1.1540% | 2,459 |
| Net loans and leases to total assets | 41.8185% | 5,502 |
| Net loans and leases to deposits | 65.0034% | 4,269 |
| Net loans and leases to core deposits | 71.1173% | 4,049 |
| Total domestic deposits to total assets | 64.3328% | 6,273 |
| Equity capital to assets | 32.9086% | 61 |
| Core capital (leverage) ratio | 32.7510% | 60 |
| Tier 1 risk-based capital ratio | 94.0436% | 58 |
| Total risk-based capital ratio | 95.3052% | 59 |
| Memoranda: | ||
| Average total assets | $325,318,000 | 2,046 |
| Average earning assets | $303,931,500 | 2,026 |
| Average equity | $106,184,000 | 728 |
| Average total loans | $137,831,000 | 2,779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 5,961 |
| Cost of funding earning assets | 0.4044% | 3,654 |
| Net interest margin | 2.6932% | 5,954 |
| Noninterest income to average assets | 0.1408% | 5,995 |
| Noninterest expense to average assets | 1.3989% | 6,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7109% | 3,831 |
| Return on assets (ROA) | 0.7109% | 3,943 |
| Pretax return on assets | 1.2596% | 2,396 |
| Return on Equity (ROE) | 2.2519% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.2519% | 4,639 |
| Net charge-offs to loans | -0.1143% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6196% | 5,939 |
| Assets per employee ($millions) | 9.6156% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 1,432 |
| Loan loss allowance to noncurrent loans | 135.1567% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8261% | 1,423 |
| Noncurrent loans to loans | 1.3666% | 2,148 |
| Net loans and leases to total assets | 41.3679% | 5,666 |
| Net loans and leases to deposits | 63.8781% | 4,537 |
| Net loans and leases to core deposits | 69.6603% | 4,351 |
| Total domestic deposits to total assets | 64.7607% | 6,348 |
| Equity capital to assets | 32.3742% | 61 |
| Core capital (leverage) ratio | 32.3742% | 60 |
| Tier 1 risk-based capital ratio | 96.1902% | 48 |
| Total risk-based capital ratio | 97.4535% | 46 |
| Memoranda: | ||
| Average total assets | $331,691,600 | 1,957 |
| Average earning assets | $310,073,800 | 1,934 |
| Average equity | $104,710,000 | 697 |
| Average total loans | $139,957,800 | 2,716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 6,036 |
| Cost of funding earning assets | 0.4175% | 3,605 |
| Net interest margin | 2.6789% | 6,031 |
| Noninterest income to average assets | 0.1474% | 6,034 |
| Noninterest expense to average assets | 1.3730% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7462% | 3,690 |
| Return on assets (ROA) | 0.7462% | 3,788 |
| Pretax return on assets | 1.2801% | 2,458 |
| Return on Equity (ROE) | 2.3786% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.3786% | 4,868 |
| Net charge-offs to loans | -0.1518% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7512% | 6,007 |
| Assets per employee ($millions) | 9.5057% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 1,599 |
| Loan loss allowance to noncurrent loans | 119.6521% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 1,590 |
| Noncurrent loans to loans | 1.5378% | 2,104 |
| Net loans and leases to total assets | 40.8081% | 5,765 |
| Net loans and leases to deposits | 62.7082% | 4,677 |
| Net loans and leases to core deposits | 68.4585% | 4,462 |
| Total domestic deposits to total assets | 65.0761% | 6,420 |
| Equity capital to assets | 31.6639% | 63 |
| Core capital (leverage) ratio | 31.6639% | 61 |
| Tier 1 risk-based capital ratio | 93.8871% | 48 |
| Total risk-based capital ratio | 95.1499% | 48 |
| Memoranda: | ||
| Average total assets | $332,882,000 | 1,962 |
| Average earning assets | $311,362,750 | 1,940 |
| Average equity | $104,427,250 | 698 |
| Average total loans | $140,500,000 | 2,721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1097% | 6,054 |
| Cost of funding earning assets | 0.4310% | 3,538 |
| Net interest margin | 2.6787% | 6,070 |
| Noninterest income to average assets | 0.1538% | 6,024 |
| Noninterest expense to average assets | 1.3306% | 6,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7773% | 3,441 |
| Return on assets (ROA) | 0.7773% | 3,539 |
| Pretax return on assets | 1.3282% | 2,158 |
| Return on Equity (ROE) | 2.4856% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.4856% | 4,625 |
| Net charge-offs to loans | -0.1983% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0452% | 6,173 |
| Assets per employee ($millions) | 8.9786% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,774 |
| Loan loss allowance to noncurrent loans | 96.0076% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 1,710 |
| Noncurrent loans to loans | 1.9021% | 1,798 |
| Net loans and leases to total assets | 40.8617% | 5,754 |
| Net loans and leases to deposits | 62.8288% | 4,612 |
| Net loans and leases to core deposits | 68.3133% | 4,434 |
| Total domestic deposits to total assets | 65.0367% | 6,499 |
| Equity capital to assets | 31.5396% | 60 |
| Core capital (leverage) ratio | 31.5396% | 58 |
| Tier 1 risk-based capital ratio | 92.3080% | 49 |
| Total risk-based capital ratio | 93.5705% | 48 |
| Memoranda: | ||
| Average total assets | $332,942,330 | 1,965 |
| Average earning assets | $311,345,670 | 1,932 |
| Average equity | $104,121,000 | 700 |
| Average total loans | $141,228,670 | 2,707 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1009% | 6,122 |
| Cost of funding earning assets | 0.4505% | 3,426 |
| Net interest margin | 2.6504% | 6,173 |
| Noninterest income to average assets | 0.1356% | 6,167 |
| Noninterest expense to average assets | 1.3465% | 6,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7441% | 3,461 |
| Return on assets (ROA) | 0.7441% | 3,543 |
| Pretax return on assets | 1.2673% | 2,223 |
| Return on Equity (ROE) | 2.3894% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.3894% | 4,642 |
| Net charge-offs to loans | -0.2803% | 6,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5152% | 6,160 |
| Assets per employee ($millions) | 8.7703% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 2,151 |
| Loan loss allowance to noncurrent loans | 91.4948% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.0044% | 1,705 |
| Noncurrent loans to loans | 1.9244% | 1,959 |
| Net loans and leases to total assets | 41.6027% | 5,700 |
| Net loans and leases to deposits | 63.8255% | 4,330 |
| Net loans and leases to core deposits | 69.4076% | 4,163 |
| Total domestic deposits to total assets | 65.1819% | 6,568 |
| Equity capital to assets | 31.2366% | 66 |
| Core capital (leverage) ratio | 31.2366% | 64 |
| Tier 1 risk-based capital ratio | 89.0561% | 56 |
| Total risk-based capital ratio | 90.3170% | 56 |
| Memoranda: | ||
| Average total assets | $333,309,500 | 1,970 |
| Average earning assets | $311,649,000 | 1,935 |
| Average equity | $103,793,000 | 702 |
| Average total loans | $142,707,500 | 2,696 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 5,949 |
| Cost of funding earning assets | 0.4862% | 3,753 |
| Net interest margin | 2.8439% | 5,910 |
| Noninterest income to average assets | 0.2175% | 5,779 |
| Noninterest expense to average assets | 1.4047% | 6,630 |
| Loan and lease loss provision to assets | -0.0235% | 6,308 |
| Net operating income to assets | 0.8708% | 2,923 |
| Return on assets (ROA) | 0.8556% | 3,080 |
| Pretax return on assets | 1.4690% | 1,554 |
| Return on Equity (ROE) | 2.8158% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,239 |
| Net charge-offs to loans | 0.3052% | 2,158 |
| Credit loss provision to net charge-offs | -16.9528% | 5,706 |
| Earnings coverage of net charge-offs (x) | 10.5944% | 2,345 |
| Efficiency ratio | 48.8765% | 6,453 |
| Assets per employee ($millions) | 9.0094% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 2,555 |
| Loan loss allowance to noncurrent loans | 80.9572% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 1,970 |
| Noncurrent loans to loans | 2.0419% | 1,946 |
| Net loans and leases to total assets | 42.5668% | 5,786 |
| Net loans and leases to deposits | 65.2409% | 4,387 |
| Net loans and leases to core deposits | 70.6209% | 4,231 |
| Total domestic deposits to total assets | 65.2455% | 6,645 |
| Equity capital to assets | 31.0436% | 64 |
| Core capital (leverage) ratio | 31.0436% | 62 |
| Tier 1 risk-based capital ratio | 86.6481% | 55 |
| Total risk-based capital ratio | 87.9075% | 55 |
| Memoranda: | ||
| Average total assets | $336,021,000 | 1,912 |
| Average earning assets | $313,863,600 | 1,887 |
| Average equity | $102,102,000 | 695 |
| Average total loans | $152,671,600 | 2,522 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3777% | 5,929 |
| Cost of funding earning assets | 0.4905% | 3,862 |
| Net interest margin | 2.8873% | 5,846 |
| Noninterest income to average assets | 0.2400% | 5,719 |
| Noninterest expense to average assets | 1.3927% | 6,697 |
| Loan and lease loss provision to assets | -0.0313% | 6,514 |
| Net operating income to assets | 0.9201% | 2,734 |
| Return on assets (ROA) | 0.9001% | 2,949 |
| Pretax return on assets | 1.5444% | 1,484 |
| Return on Equity (ROE) | 2.9783% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.9783% | 4,546 |
| Net charge-offs to loans | 0.4790% | 1,339 |
| Credit loss provision to net charge-offs | -14.2086% | 5,621 |
| Earnings coverage of net charge-offs (x) | 7.0144% | 2,865 |
| Efficiency ratio | 47.4181% | 6,528 |
| Assets per employee ($millions) | 8.8885% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 3,315 |
| Loan loss allowance to noncurrent loans | 94.4056% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 2,371 |
| Noncurrent loans to loans | 1.6251% | 2,740 |
| Net loans and leases to total assets | 43.6097% | 5,761 |
| Net loans and leases to deposits | 66.8576% | 4,195 |
| Net loans and leases to core deposits | 72.5056% | 4,032 |
| Total domestic deposits to total assets | 65.2278% | 6,721 |
| Equity capital to assets | 30.4594% | 60 |
| Core capital (leverage) ratio | 30.4594% | 61 |
| Tier 1 risk-based capital ratio | 81.4731% | 58 |
| Total risk-based capital ratio | 82.7299% | 56 |
| Memoranda: | ||
| Average total assets | $336,689,500 | 1,921 |
| Average earning assets | $314,524,250 | 1,897 |
| Average equity | $101,756,750 | 706 |
| Average total loans | $154,769,500 | 2,504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,825 |
| Cost of funding earning assets | 0.4967% | 3,932 |
| Net interest margin | 2.9396% | 5,709 |
| Noninterest income to average assets | 0.2926% | 5,355 |
| Noninterest expense to average assets | 1.4058% | 6,729 |
| Loan and lease loss provision to assets | -0.0024% | 6,563 |
| Net operating income to assets | 0.9550% | 2,540 |
| Return on assets (ROA) | 0.9550% | 2,689 |
| Pretax return on assets | 1.6341% | 1,266 |
| Return on Equity (ROE) | 3.1682% | 5,558 |
| Retained earnings to average equity (ytd only) | 3.1682% | 4,297 |
| Net charge-offs to loans | 0.1482% | 2,920 |
| Credit loss provision to net charge-offs | -3.4483% | 5,431 |
| Earnings coverage of net charge-offs (x) | 23.6552% | 1,323 |
| Efficiency ratio | 46.2803% | 6,623 |
| Assets per employee ($millions) | 8.8454% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,326 |
| Loan loss allowance to noncurrent loans | 169.1752% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 2,649 |
| Noncurrent loans to loans | 1.0826% | 3,768 |
| Net loans and leases to total assets | 44.8107% | 5,661 |
| Net loans and leases to deposits | 68.8593% | 3,881 |
| Net loans and leases to core deposits | 74.2014% | 3,783 |
| Total domestic deposits to total assets | 65.0758% | 6,776 |
| Equity capital to assets | 30.4009% | 60 |
| Core capital (leverage) ratio | 30.4055% | 57 |
| Tier 1 risk-based capital ratio | 79.3193% | 56 |
| Total risk-based capital ratio | 80.5811% | 56 |
| Memoranda: | ||
| Average total assets | $336,331,330 | 1,928 |
| Average earning assets | $314,059,670 | 1,906 |
| Average equity | $101,382,000 | 711 |
| Average total loans | $156,495,000 | 2,487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,669 |
| Cost of funding earning assets | 0.4995% | 4,095 |
| Net interest margin | 3.0150% | 5,525 |
| Noninterest income to average assets | 0.0880% | 6,622 |
| Noninterest expense to average assets | 1.3078% | 6,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9298% | 2,525 |
| Return on assets (ROA) | 0.9298% | 2,663 |
| Pretax return on assets | 1.5932% | 1,319 |
| Return on Equity (ROE) | 3.0976% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.0976% | 4,422 |
| Net charge-offs to loans | -0.0253% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0820% | 6,729 |
| Assets per employee ($millions) | 8.6377% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,361 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 2.1192% | 2,218 |
| Noncurrent loans to loans | 1.9712% | 2,649 |
| Net loans and leases to total assets | 45.5108% | 5,489 |
| Net loans and leases to deposits | 69.8147% | 3,508 |
| Net loans and leases to core deposits | 75.1969% | 3,441 |
| Total domestic deposits to total assets | 65.1880% | 6,863 |
| Equity capital to assets | 30.0924% | 65 |
| Core capital (leverage) ratio | 30.0952% | 62 |
| Tier 1 risk-based capital ratio | 77.3851% | 65 |
| Total risk-based capital ratio | 78.6475% | 64 |
| Memoranda: | ||
| Average total assets | $336,434,500 | 1,950 |
| Average earning assets | $313,897,000 | 1,936 |
| Average equity | $100,980,500 | 724 |
| Average total loans | $158,027,500 | 2,478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8564% | 5,693 |
| Cost of funding earning assets | 0.6154% | 4,215 |
| Net interest margin | 3.2409% | 5,453 |
| Noninterest income to average assets | 0.1548% | 6,261 |
| Noninterest expense to average assets | 1.5324% | 6,851 |
| Loan and lease loss provision to assets | 0.0420% | 5,329 |
| Net operating income to assets | 0.9301% | 2,647 |
| Return on assets (ROA) | 0.9301% | 2,895 |
| Pretax return on assets | 1.5917% | 1,411 |
| Return on Equity (ROE) | 3.0859% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.0859% | 4,060 |
| Net charge-offs to loans | 0.1302% | 4,375 |
| Credit loss provision to net charge-offs | 64.1860% | 4,337 |
| Earnings coverage of net charge-offs (x) | 24.9814% | 1,153 |
| Efficiency ratio | 48.4004% | 6,687 |
| Assets per employee ($millions) | 8.6153% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,490 |
| Loan loss allowance to noncurrent loans | 75.0512% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.5869% | 1,880 |
| Noncurrent loans to loans | 2.4430% | 2,171 |
| Net loans and leases to total assets | 46.6885% | 5,552 |
| Net loans and leases to deposits | 71.6026% | 3,479 |
| Net loans and leases to core deposits | 76.9542% | 3,417 |
| Total domestic deposits to total assets | 65.2050% | 6,912 |
| Equity capital to assets | 29.9372% | 66 |
| Core capital (leverage) ratio | 29.9431% | 61 |
| Tier 1 risk-based capital ratio | 75.0778% | 68 |
| Total risk-based capital ratio | 76.3397% | 68 |
| Memoranda: | ||
| Average total assets | $328,769,000 | 1,963 |
| Average earning assets | $305,469,000 | 1,939 |
| Average equity | $99,095,400 | 717 |
| Average total loans | $165,170,400 | 2,359 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 5,698 |
| Cost of funding earning assets | 0.6439% | 4,242 |
| Net interest margin | 3.2914% | 5,423 |
| Noninterest income to average assets | 0.1586% | 6,350 |
| Noninterest expense to average assets | 1.5300% | 6,929 |
| Loan and lease loss provision to assets | 0.0551% | 5,053 |
| Net operating income to assets | 0.9505% | 2,743 |
| Return on assets (ROA) | 0.9505% | 2,972 |
| Pretax return on assets | 1.6295% | 1,480 |
| Return on Equity (ROE) | 3.1481% | 5,628 |
| Retained earnings to average equity (ytd only) | 3.1481% | 4,661 |
| Net charge-offs to loans | 0.1698% | 3,750 |
| Credit loss provision to net charge-offs | 63.6792% | 4,059 |
| Earnings coverage of net charge-offs (x) | 19.4858% | 1,493 |
| Efficiency ratio | 47.5961% | 6,741 |
| Assets per employee ($millions) | 8.3806% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,751 |
| Loan loss allowance to noncurrent loans | 79.0610% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4749% | 2,137 |
| Noncurrent loans to loans | 2.2949% | 2,517 |
| Net loans and leases to total assets | 48.5112% | 5,491 |
| Net loans and leases to deposits | 71.9551% | 3,619 |
| Net loans and leases to core deposits | 77.4139% | 3,543 |
| Total domestic deposits to total assets | 67.4187% | 6,940 |
| Equity capital to assets | 30.5595% | 66 |
| Core capital (leverage) ratio | 30.5595% | 63 |
| Tier 1 risk-based capital ratio | 74.9550% | 67 |
| Total risk-based capital ratio | 76.2165% | 66 |
| Memoranda: | ||
| Average total assets | $326,962,000 | 1,986 |
| Average earning assets | $303,571,750 | 1,968 |
| Average equity | $98,722,250 | 720 |
| Average total loans | $166,512,500 | 2,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 5,578 |
| Cost of funding earning assets | 0.6916% | 4,081 |
| Net interest margin | 3.3314% | 5,342 |
| Noninterest income to average assets | 0.1933% | 6,175 |
| Noninterest expense to average assets | 1.5890% | 6,939 |
| Loan and lease loss provision to assets | 0.0765% | 4,661 |
| Net operating income to assets | 0.9443% | 2,686 |
| Return on assets (ROA) | 0.9443% | 2,944 |
| Pretax return on assets | 1.6214% | 1,485 |
| Return on Equity (ROE) | 3.1403% | 5,633 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,533 |
| Net charge-offs to loans | 0.3175% | 2,758 |
| Credit loss provision to net charge-offs | 46.8165% | 4,109 |
| Earnings coverage of net charge-offs (x) | 10.3970% | 2,050 |
| Efficiency ratio | 48.3439% | 6,752 |
| Assets per employee ($millions) | 8.3675% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 3,071 |
| Loan loss allowance to noncurrent loans | 127.2202% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 2,834 |
| Noncurrent loans to loans | 1.3680% | 3,865 |
| Net loans and leases to total assets | 49.5673% | 5,413 |
| Net loans and leases to deposits | 73.4321% | 3,394 |
| Net loans and leases to core deposits | 78.7461% | 3,406 |
| Total domestic deposits to total assets | 67.5009% | 7,013 |
| Equity capital to assets | 30.3663% | 65 |
| Core capital (leverage) ratio | 30.3663% | 61 |
| Tier 1 risk-based capital ratio | 73.3239% | 68 |
| Total risk-based capital ratio | 74.5847% | 65 |
| Memoranda: | ||
| Average total assets | $327,001,330 | 1,984 |
| Average earning assets | $303,652,000 | 1,958 |
| Average equity | $98,335,670 | 728 |
| Average total loans | $168,188,000 | 2,372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 5,434 |
| Cost of funding earning assets | 0.7321% | 4,008 |
| Net interest margin | 3.3736% | 5,225 |
| Noninterest income to average assets | 0.1381% | 6,559 |
| Noninterest expense to average assets | 1.5067% | 7,056 |
| Loan and lease loss provision to assets | 0.0660% | 4,591 |
| Net operating income to assets | 0.9898% | 2,516 |
| Return on assets (ROA) | 0.9898% | 2,711 |
| Pretax return on assets | 1.6961% | 1,312 |
| Return on Equity (ROE) | 3.3076% | 5,590 |
| Retained earnings to average equity (ytd only) | 3.3076% | 4,583 |
| Net charge-offs to loans | 1.1319% | 911 |
| Credit loss provision to net charge-offs | 11.2266% | 3,886 |
| Earnings coverage of net charge-offs (x) | 2.9979% | 2,991 |
| Efficiency ratio | 46.0935% | 6,895 |
| Assets per employee ($millions) | 8.3676% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,990 |
| Loan loss allowance to noncurrent loans | 85.0363% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 2,578 |
| Noncurrent loans to loans | 1.8112% | 3,393 |
| Net loans and leases to total assets | 50.5416% | 5,228 |
| Net loans and leases to deposits | 74.7389% | 3,007 |
| Net loans and leases to core deposits | 79.9930% | 3,071 |
| Total domestic deposits to total assets | 67.6243% | 7,062 |
| Equity capital to assets | 30.1409% | 63 |
| Core capital (leverage) ratio | 30.1409% | 62 |
| Tier 1 risk-based capital ratio | 71.2683% | 67 |
| Total risk-based capital ratio | 72.5262% | 67 |
| Memoranda: | ||
| Average total assets | $327,336,000 | 1,988 |
| Average earning assets | $303,767,000 | 1,961 |
| Average equity | $97,956,000 | 729 |
| Average total loans | $169,972,500 | 2,362 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 5,329 |
| Cost of funding earning assets | 1.0574% | 2,968 |
| Net interest margin | 3.3674% | 5,589 |
| Noninterest income to average assets | 0.1262% | 6,520 |
| Noninterest expense to average assets | 1.5258% | 7,152 |
| Loan and lease loss provision to assets | 0.0885% | 5,482 |
| Net operating income to assets | 0.9547% | 2,388 |
| Return on assets (ROA) | 0.9547% | 2,519 |
| Pretax return on assets | 1.6312% | 1,137 |
| Return on Equity (ROE) | 3.2934% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.2934% | 3,880 |
| Net charge-offs to loans | -0.0305% | 7,003 |
| Credit loss provision to net charge-offs | -532.7273% | 6,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0128% | 7,000 |
| Assets per employee ($millions) | 8.4188% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 3,047 |
| Loan loss allowance to noncurrent loans | 96.6570% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 2.3759% | 2,550 |
| Noncurrent loans to loans | 1.8042% | 3,462 |
| Net loans and leases to total assets | 51.6003% | 5,373 |
| Net loans and leases to deposits | 75.9304% | 3,189 |
| Net loans and leases to core deposits | 80.6564% | 3,365 |
| Total domestic deposits to total assets | 67.9574% | 7,073 |
| Equity capital to assets | 29.7108% | 69 |
| Core capital (leverage) ratio | 29.7108% | 64 |
| Tier 1 risk-based capital ratio | 68.5073% | 73 |
| Total risk-based capital ratio | 69.7679% | 73 |
| Memoranda: | ||
| Average total assets | $331,097,400 | 1,950 |
| Average earning assets | $306,704,800 | 1,917 |
| Average equity | $95,978,600 | 714 |
| Average total loans | $180,161,600 | 2,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 5,313 |
| Cost of funding earning assets | 1.1145% | 2,886 |
| Net interest margin | 3.3648% | 5,671 |
| Noninterest income to average assets | 0.1262% | 6,620 |
| Noninterest expense to average assets | 1.5057% | 7,221 |
| Loan and lease loss provision to assets | 0.0944% | 5,287 |
| Net operating income to assets | 0.9592% | 2,487 |
| Return on assets (ROA) | 0.9592% | 2,655 |
| Pretax return on assets | 1.6428% | 1,274 |
| Return on Equity (ROE) | 3.3296% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.3296% | 4,353 |
| Net charge-offs to loans | -0.0234% | 6,937 |
| Credit loss provision to net charge-offs | -734.3750% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4312% | 7,035 |
| Assets per employee ($millions) | 8.5254% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 3,333 |
| Loan loss allowance to noncurrent loans | 150.3546% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0416% | 3,090 |
| Noncurrent loans to loans | 1.1186% | 4,679 |
| Net loans and leases to total assets | 52.1840% | 5,423 |
| Net loans and leases to deposits | 76.1169% | 3,312 |
| Net loans and leases to core deposits | 80.8785% | 3,503 |
| Total domestic deposits to total assets | 68.5576% | 7,112 |
| Equity capital to assets | 29.1067% | 85 |
| Core capital (leverage) ratio | 29.1067% | 82 |
| Tier 1 risk-based capital ratio | 66.5999% | 90 |
| Total risk-based capital ratio | 67.8600% | 87 |
| Memoranda: | ||
| Average total assets | $331,788,000 | 1,958 |
| Average earning assets | $307,328,750 | 1,922 |
| Average equity | $95,585,500 | 721 |
| Average total loans | $182,094,750 | 2,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 5,229 |
| Cost of funding earning assets | 1.1681% | 2,786 |
| Net interest margin | 3.3695% | 5,640 |
| Noninterest income to average assets | 0.1369% | 6,642 |
| Noninterest expense to average assets | 1.5292% | 7,289 |
| Loan and lease loss provision to assets | 0.1237% | 4,742 |
| Net operating income to assets | 0.9350% | 2,496 |
| Return on assets (ROA) | 0.9350% | 2,597 |
| Pretax return on assets | 1.6058% | 1,248 |
| Return on Equity (ROE) | 3.2567% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.2567% | 4,192 |
| Net charge-offs to loans | -0.0207% | 6,829 |
| Credit loss provision to net charge-offs | -1,078.9474% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9271% | 7,115 |
| Assets per employee ($millions) | 8.4881% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,683 |
| Loan loss allowance to noncurrent loans | 92.6105% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 2.3194% | 2,841 |
| Noncurrent loans to loans | 1.7304% | 3,847 |
| Net loans and leases to total assets | 53.2335% | 5,394 |
| Net loans and leases to deposits | 77.5659% | 3,209 |
| Net loans and leases to core deposits | 82.1475% | 3,480 |
| Total domestic deposits to total assets | 68.6300% | 7,165 |
| Equity capital to assets | 28.9817% | 87 |
| Core capital (leverage) ratio | 28.9817% | 86 |
| Tier 1 risk-based capital ratio | 64.8918% | 95 |
| Total risk-based capital ratio | 66.1506% | 95 |
| Memoranda: | ||
| Average total assets | $331,553,670 | 1,967 |
| Average earning assets | $307,167,000 | 1,932 |
| Average equity | $95,188,330 | 721 |
| Average total loans | $183,968,000 | 2,233 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 4,832 |
| Cost of funding earning assets | 1.2205% | 2,680 |
| Net interest margin | 3.4075% | 5,401 |
| Noninterest income to average assets | 0.1531% | 6,626 |
| Noninterest expense to average assets | 1.4430% | 7,395 |
| Loan and lease loss provision to assets | 0.1230% | 4,465 |
| Net operating income to assets | 1.0186% | 2,116 |
| Return on assets (ROA) | 1.0186% | 2,166 |
| Pretax return on assets | 1.7407% | 907 |
| Return on Equity (ROE) | 3.5649% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.5649% | 4,047 |
| Net charge-offs to loans | -0.0064% | 6,276 |
| Credit loss provision to net charge-offs | -3,400.0000% | 6,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6384% | 7,293 |
| Assets per employee ($millions) | 8.4964% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 4,066 |
| Loan loss allowance to noncurrent loans | 102.9001% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 2,844 |
| Noncurrent loans to loans | 1.4845% | 4,244 |
| Net loans and leases to total assets | 54.5318% | 5,227 |
| Net loans and leases to deposits | 79.4395% | 2,818 |
| Net loans and leases to core deposits | 83.9971% | 3,160 |
| Total domestic deposits to total assets | 68.6457% | 7,244 |
| Equity capital to assets | 28.7406% | 84 |
| Core capital (leverage) ratio | 28.7406% | 83 |
| Tier 1 risk-based capital ratio | 61.6204% | 99 |
| Total risk-based capital ratio | 62.8776% | 96 |
| Memoranda: | ||
| Average total assets | $331,812,500 | 1,975 |
| Average earning assets | $307,083,000 | 1,942 |
| Average equity | $94,812,500 | 713 |
| Average total loans | $186,406,000 | 2,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 4,445 |
| Cost of funding earning assets | 1.5317% | 2,470 |
| Net interest margin | 3.4896% | 5,281 |
| Noninterest income to average assets | 0.0661% | 7,038 |
| Noninterest expense to average assets | 1.5544% | 7,425 |
| Loan and lease loss provision to assets | 0.1877% | 5,353 |
| Net operating income to assets | 0.9080% | 2,348 |
| Return on assets (ROA) | 0.9080% | 2,491 |
| Pretax return on assets | 1.5504% | 1,248 |
| Return on Equity (ROE) | 3.2351% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.2351% | 3,606 |
| Net charge-offs to loans | 0.0702% | 6,100 |
| Credit loss provision to net charge-offs | 441.1348% | 525 |
| Earnings coverage of net charge-offs (x) | 40.8511% | 573 |
| Efficiency ratio | 47.2092% | 7,302 |
| Assets per employee ($millions) | 8.5196% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,392 |
| Loan loss allowance to noncurrent loans | 83.7469% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.6419% | 2,633 |
| Noncurrent loans to loans | 1.7030% | 3,951 |
| Net loans and leases to total assets | 56.1638% | 5,320 |
| Net loans and leases to deposits | 81.2735% | 2,936 |
| Net loans and leases to core deposits | 85.8732% | 3,337 |
| Total domestic deposits to total assets | 69.1047% | 7,281 |
| Equity capital to assets | 28.4081% | 90 |
| Core capital (leverage) ratio | 28.4081% | 92 |
| Tier 1 risk-based capital ratio | 58.7368% | 110 |
| Total risk-based capital ratio | 59.9919% | 108 |
| Memoranda: | ||
| Average total assets | $331,388,800 | 1,959 |
| Average earning assets | $306,400,000 | 1,946 |
| Average equity | $93,009,800 | 716 |
| Average total loans | $200,815,800 | 2,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 4,033 |
| Cost of funding earning assets | 1.5661% | 2,574 |
| Net interest margin | 3.5942% | 4,903 |
| Noninterest income to average assets | 0.0701% | 7,180 |
| Noninterest expense to average assets | 1.5283% | 7,536 |
| Loan and lease loss provision to assets | 0.1590% | 5,452 |
| Net operating income to assets | 1.0017% | 2,232 |
| Return on assets (ROA) | 1.0017% | 2,348 |
| Pretax return on assets | 1.7062% | 1,107 |
| Return on Equity (ROE) | 3.5798% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.5798% | 3,930 |
| Net charge-offs to loans | 0.0452% | 6,087 |
| Credit loss provision to net charge-offs | 572.4638% | 507 |
| Earnings coverage of net charge-offs (x) | 67.1433% | 450 |
| Efficiency ratio | 45.0350% | 7,424 |
| Assets per employee ($millions) | 8.4863% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 4,413 |
| Loan loss allowance to noncurrent loans | 87.9785% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 2.2277% | 3,163 |
| Noncurrent loans to loans | 1.6013% | 4,244 |
| Net loans and leases to total assets | 58.8051% | 5,135 |
| Net loans and leases to deposits | 83.9197% | 2,720 |
| Net loans and leases to core deposits | 88.7673% | 3,272 |
| Total domestic deposits to total assets | 70.0731% | 7,269 |
| Equity capital to assets | 28.3621% | 96 |
| Core capital (leverage) ratio | 28.3621% | 94 |
| Tier 1 risk-based capital ratio | 57.9170% | 118 |
| Total risk-based capital ratio | 59.1726% | 116 |
| Memoranda: | ||
| Average total assets | $331,170,000 | 1,987 |
| Average earning assets | $306,229,000 | 1,972 |
| Average equity | $92,664,750 | 718 |
| Average total loans | $203,691,750 | 2,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 3,610 |
| Cost of funding earning assets | 1.5957% | 2,683 |
| Net interest margin | 3.6719% | 4,488 |
| Noninterest income to average assets | 0.0712% | 7,225 |
| Noninterest expense to average assets | 1.5614% | 7,589 |
| Loan and lease loss provision to assets | 0.1389% | 5,507 |
| Net operating income to assets | 1.0379% | 2,055 |
| Return on assets (ROA) | 1.0379% | 2,134 |
| Pretax return on assets | 1.7625% | 944 |
| Return on Equity (ROE) | 3.7263% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.7263% | 3,729 |
| Net charge-offs to loans | 0.0369% | 5,840 |
| Credit loss provision to net charge-offs | 605.2632% | 606 |
| Earnings coverage of net charge-offs (x) | 82.8684% | 385 |
| Efficiency ratio | 45.0915% | 7,478 |
| Assets per employee ($millions) | 8.4792% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,677 |
| Loan loss allowance to noncurrent loans | 118.8638% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.2438% | 3,211 |
| Noncurrent loans to loans | 1.1367% | 5,059 |
| Net loans and leases to total assets | 60.5204% | 4,961 |
| Net loans and leases to deposits | 86.1248% | 2,486 |
| Net loans and leases to core deposits | 90.8412% | 3,148 |
| Total domestic deposits to total assets | 70.2706% | 7,311 |
| Equity capital to assets | 28.1533% | 100 |
| Core capital (leverage) ratio | 28.1533% | 94 |
| Tier 1 risk-based capital ratio | 55.5175% | 131 |
| Total risk-based capital ratio | 56.7721% | 129 |
| Memoranda: | ||
| Average total assets | $331,238,000 | 2,003 |
| Average earning assets | $305,941,330 | 1,992 |
| Average equity | $92,263,330 | 713 |
| Average total loans | $205,787,000 | 2,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 3,169 |
| Cost of funding earning assets | 1.6407% | 2,704 |
| Net interest margin | 3.7338% | 4,087 |
| Noninterest income to average assets | 0.0591% | 7,419 |
| Noninterest expense to average assets | 1.4805% | 7,721 |
| Loan and lease loss provision to assets | 0.1339% | 5,221 |
| Net operating income to assets | 1.1197% | 1,766 |
| Return on assets (ROA) | 1.1197% | 1,849 |
| Pretax return on assets | 1.8907% | 745 |
| Return on Equity (ROE) | 4.0416% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,729 |
| Net charge-offs to loans | 0.0232% | 5,252 |
| Credit loss provision to net charge-offs | 925.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 139.8333% | 237 |
| Efficiency ratio | 42.2375% | 7,672 |
| Assets per employee ($millions) | 8.4749% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,976 |
| Loan loss allowance to noncurrent loans | 102.0479% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 2.6074% | 2,795 |
| Noncurrent loans to loans | 1.2663% | 4,869 |
| Net loans and leases to total assets | 61.0351% | 4,935 |
| Net loans and leases to deposits | 86.7909% | 2,454 |
| Net loans and leases to core deposits | 91.4591% | 3,176 |
| Total domestic deposits to total assets | 70.3243% | 7,388 |
| Equity capital to assets | 27.9282% | 107 |
| Core capital (leverage) ratio | 27.9282% | 99 |
| Tier 1 risk-based capital ratio | 54.6521% | 130 |
| Total risk-based capital ratio | 55.9061% | 129 |
| Memoranda: | ||
| Average total assets | $331,512,000 | 2,057 |
| Average earning assets | $305,964,500 | 2,044 |
| Average equity | $91,845,000 | 719 |
| Average total loans | $207,242,500 | 2,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 4,332 |
| Cost of funding earning assets | 2.0277% | 2,831 |
| Net interest margin | 3.4418% | 5,210 |
| Noninterest income to average assets | 0.1704% | 6,862 |
| Noninterest expense to average assets | 1.7047% | 7,697 |
| Loan and lease loss provision to assets | 0.0669% | 6,908 |
| Net operating income to assets | 0.9505% | 2,005 |
| Return on assets (ROA) | 0.9505% | 2,057 |
| Pretax return on assets | 1.5979% | 974 |
| Return on Equity (ROE) | 3.5244% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.5244% | 2,710 |
| Net charge-offs to loans | 0.0055% | 7,171 |
| Credit loss provision to net charge-offs | 1,858.3333% | 171 |
| Earnings coverage of net charge-offs (x) | 462.4167% | 59 |
| Efficiency ratio | 50.5921% | 7,503 |
| Assets per employee ($millions) | 8.5257% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,497 |
| Loan loss allowance to noncurrent loans | 52.4639% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.7269% | 2,558 |
| Noncurrent loans to loans | 2.2407% | 3,351 |
| Net loans and leases to total assets | 62.4476% | 4,904 |
| Net loans and leases to deposits | 88.0531% | 2,549 |
| Net loans and leases to core deposits | 118.3499% | 2,091 |
| Total domestic deposits to total assets | 70.9204% | 7,348 |
| Equity capital to assets | 27.4829% | 122 |
| Core capital (leverage) ratio | 27.4829% | 124 |
| Tier 1 risk-based capital ratio | 52.7662% | 142 |
| Total risk-based capital ratio | 54.0169% | 142 |
| Memoranda: | ||
| Average total assets | $333,306,200 | 2,037 |
| Average earning assets | $309,805,800 | 2,007 |
| Average equity | $89,888,600 | 721 |
| Average total loans | $217,669,000 | 2,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5690% | 4,041 |
| Cost of funding earning assets | 2.0947% | 2,912 |
| Net interest margin | 3.4743% | 4,976 |
| Noninterest income to average assets | 0.1863% | 6,884 |
| Noninterest expense to average assets | 1.6751% | 7,780 |
| Loan and lease loss provision to assets | 0.0612% | 6,752 |
| Net operating income to assets | 0.9931% | 2,086 |
| Return on assets (ROA) | 0.9931% | 2,145 |
| Pretax return on assets | 1.6819% | 1,007 |
| Return on Equity (ROE) | 3.6998% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.6998% | 3,219 |
| Net charge-offs to loans | 0.0055% | 6,885 |
| Credit loss provision to net charge-offs | 1,700.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 484.4325% | 70 |
| Efficiency ratio | 49.0058% | 7,623 |
| Assets per employee ($millions) | 8.1412% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,268 |
| Loan loss allowance to noncurrent loans | 131.1682% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,849 |
| Noncurrent loans to loans | 0.8956% | 5,491 |
| Net loans and leases to total assets | 63.1102% | 5,050 |
| Net loans and leases to deposits | 88.5712% | 2,857 |
| Net loans and leases to core deposits | 118.8905% | 2,345 |
| Total domestic deposits to total assets | 71.2537% | 7,310 |
| Equity capital to assets | 27.1720% | 149 |
| Core capital (leverage) ratio | 27.1720% | 148 |
| Tier 1 risk-based capital ratio | 52.2653% | 156 |
| Total risk-based capital ratio | 53.5175% | 155 |
| Memoranda: | ||
| Average total assets | $333,507,500 | 2,054 |
| Average earning assets | $310,235,750 | 2,024 |
| Average equity | $89,515,500 | 731 |
| Average total loans | $219,559,000 | 2,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 4,076 |
| Cost of funding earning assets | 2.1548% | 3,018 |
| Net interest margin | 3.4454% | 5,001 |
| Noninterest income to average assets | 0.2351% | 6,597 |
| Noninterest expense to average assets | 1.5272% | 7,957 |
| Loan and lease loss provision to assets | 0.0618% | 6,598 |
| Net operating income to assets | 1.1025% | 1,763 |
| Return on assets (ROA) | 1.1025% | 1,842 |
| Pretax return on assets | 1.8584% | 758 |
| Return on Equity (ROE) | 4.1247% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.1247% | 2,995 |
| Net charge-offs to loans | 0.0036% | 6,570 |
| Credit loss provision to net charge-offs | 2,575.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 800.2500% | 34 |
| Efficiency ratio | 44.3014% | 7,914 |
| Assets per employee ($millions) | 7.5809% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,384 |
| Loan loss allowance to noncurrent loans | 88.8367% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 3,432 |
| Noncurrent loans to loans | 1.2728% | 4,655 |
| Net loans and leases to total assets | 64.4614% | 4,881 |
| Net loans and leases to deposits | 90.2992% | 2,786 |
| Net loans and leases to core deposits | 120.3823% | 2,337 |
| Total domestic deposits to total assets | 71.3864% | 7,318 |
| Equity capital to assets | 26.9971% | 172 |
| Core capital (leverage) ratio | 26.9971% | 175 |
| Tier 1 risk-based capital ratio | 50.9808% | 180 |
| Total risk-based capital ratio | 52.2325% | 178 |
| Memoranda: | ||
| Average total assets | $333,413,670 | 2,087 |
| Average earning assets | $310,847,330 | 2,050 |
| Average equity | $89,121,670 | 740 |
| Average total loans | $221,692,330 | 2,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6995% | 3,810 |
| Cost of funding earning assets | 2.2348% | 2,988 |
| Net interest margin | 3.4647% | 4,877 |
| Noninterest income to average assets | 0.1836% | 6,979 |
| Noninterest expense to average assets | 1.5516% | 7,942 |
| Loan and lease loss provision to assets | 0.0660% | 6,123 |
| Net operating income to assets | 1.0656% | 2,086 |
| Return on assets (ROA) | 1.0656% | 2,217 |
| Pretax return on assets | 1.7976% | 977 |
| Return on Equity (ROE) | 4.0065% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.0065% | 3,671 |
| Net charge-offs to loans | 0.0071% | 5,582 |
| Credit loss provision to net charge-offs | 1,375.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 388.2500% | 89 |
| Efficiency ratio | 45.4322% | 7,873 |
| Assets per employee ($millions) | 7.3968% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,601 |
| Loan loss allowance to noncurrent loans | 146.9939% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 3,647 |
| Noncurrent loans to loans | 0.7359% | 5,593 |
| Net loans and leases to total assets | 65.8248% | 4,623 |
| Net loans and leases to deposits | 92.0500% | 2,596 |
| Net loans and leases to core deposits | 122.5007% | 2,211 |
| Total domestic deposits to total assets | 71.5098% | 7,278 |
| Equity capital to assets | 26.7687% | 188 |
| Core capital (leverage) ratio | 26.7687% | 194 |
| Tier 1 risk-based capital ratio | 50.0000% | 209 |
| Total risk-based capital ratio | 51.2514% | 200 |
| Memoranda: | ||
| Average total assets | $333,341,500 | 2,089 |
| Average earning assets | $310,905,500 | 2,057 |
| Average equity | $88,657,000 | 746 |
| Average total loans | $223,801,000 | 2,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2709% | 4,115 |
| Cost of funding earning assets | 2.7539% | 2,905 |
| Net interest margin | 3.5170% | 5,242 |
| Noninterest income to average assets | 0.2108% | 6,929 |
| Noninterest expense to average assets | 1.6943% | 7,876 |
| Loan and lease loss provision to assets | 0.0243% | 7,096 |
| Net operating income to assets | 1.0720% | 2,247 |
| Return on assets (ROA) | 1.0741% | 2,154 |
| Pretax return on assets | 1.8020% | 940 |
| Return on Equity (ROE) | 4.2375% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.2375% | 2,483 |
| Net charge-offs to loans | 0.0410% | 6,209 |
| Credit loss provision to net charge-offs | 89.2473% | 5,698 |
| Earnings coverage of net charge-offs (x) | 66.9462% | 605 |
| Efficiency ratio | 48.1685% | 7,788 |
| Assets per employee ($millions) | 6.8128% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 4,862 |
| Loan loss allowance to noncurrent loans | 115.5781% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9556% | 4,439 |
| Noncurrent loans to loans | 1.0022% | 4,587 |
| Net loans and leases to total assets | 66.9465% | 4,649 |
| Net loans and leases to deposits | 92.9751% | 2,960 |
| Net loans and leases to core deposits | 124.0087% | 2,322 |
| Total domestic deposits to total assets | 72.0047% | 6,992 |
| Equity capital to assets | 26.4247% | 235 |
| Core capital (leverage) ratio | 26.4247% | 236 |
| Tier 1 risk-based capital ratio | 49.0833% | 226 |
| Total risk-based capital ratio | 50.3219% | 221 |
| Memoranda: | ||
| Average total assets | $341,504,400 | 1,948 |
| Average earning assets | $321,070,000 | 1,897 |
| Average equity | $86,561,200 | 768 |
| Average total loans | $227,033,200 | 2,071 |