Home > Enterprise Bank of South Carolina > Performance and Condition Ratios
Enterprise Bank of South Carolina, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,516 |
| Cost of funding earning assets | 0.9550% | 3,396 |
| Net interest margin | 3.2989% | 2,637 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.6828% | 1,784 |
| Loan and lease loss provision to assets | 0.6300% | 127 |
| Net operating income to assets | 0.1307% | 4,227 |
| Return on assets (ROA) | 0.1322% | 4,251 |
| Pretax return on assets | 0.1322% | 4,252 |
| Return on Equity (ROE) | 6.4200% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.4173% | 2,087 |
| Net charge-offs to loans | 1.5686% | 56 |
| Credit loss provision to net charge-offs | 73.0741% | 2,069 |
| Earnings coverage of net charge-offs (x) | 0.8828% | 2,790 |
| Efficiency ratio | 77.9496% | 1,075 |
| Assets per employee ($millions) | 4.7315% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,130 |
| Loan loss allowance to noncurrent loans | 21.2392% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.8793% | 161 |
| Noncurrent loans to loans | 3.2837% | 127 |
| Net loans and leases to total assets | 56.6800% | 3,146 |
| Net loans and leases to deposits | 58.2131% | 3,625 |
| Net loans and leases to core deposits | 62.2490% | 3,668 |
| Total domestic deposits to total assets | 97.3600% | 25 |
| Equity capital to assets | 2.3262% | 4,561 |
| Core capital (leverage) ratio | 6.4258% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9998% | 2,587 |
| Memoranda: | ||
| Average total assets | $469,613,800 | 1,798 |
| Average earning assets | $449,760,000 | 1,750 |
| Average equity | $9,677,000 | 3,752 |
| Average total loans | $257,367,200 | 1,967 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,561 |
| Cost of funding earning assets | 0.8780% | 3,326 |
| Net interest margin | 3.2709% | 2,748 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.6323% | 1,849 |
| Loan and lease loss provision to assets | 0.7900% | 90 |
| Net operating income to assets | -0.0491% | 4,457 |
| Return on assets (ROA) | -0.0528% | 4,440 |
| Pretax return on assets | -0.0528% | 4,428 |
| Return on Equity (ROE) | -2.6400% | 4,464 |
| Retained earnings to average equity (ytd only) | -2.6447% | 4,351 |
| Net charge-offs to loans | 2.0945% | 40 |
| Credit loss provision to net charge-offs | 69.5652% | 1,813 |
| Earnings coverage of net charge-offs (x) | 0.6524% | 2,560 |
| Efficiency ratio | 78.0251% | 1,011 |
| Assets per employee ($millions) | 4.7725% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6525% | 4,201 |
| Loan loss allowance to noncurrent loans | 21.8177% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 213 |
| Noncurrent loans to loans | 2.9909% | 137 |
| Net loans and leases to total assets | 53.9100% | 3,367 |
| Net loans and leases to deposits | 56.3713% | 3,694 |
| Net loans and leases to core deposits | 60.0526% | 3,702 |
| Total domestic deposits to total assets | 95.6400% | 93 |
| Equity capital to assets | 1.9413% | 4,545 |
| Core capital (leverage) ratio | 6.1528% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7762% | 2,674 |
| Memoranda: | ||
| Average total assets | $472,278,750 | 1,790 |
| Average earning assets | $452,823,750 | 1,749 |
| Average equity | $9,427,250 | 3,778 |
| Average total loans | $256,219,750 | 1,975 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,593 |
| Cost of funding earning assets | 0.7204% | 3,424 |
| Net interest margin | 3.3265% | 2,696 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.5838% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9902% | 2,451 |
| Return on assets (ROA) | 0.9906% | 2,439 |
| Pretax return on assets | 0.9906% | 2,942 |
| Return on Equity (ROE) | 49.1700% | 64 |
| Retained earnings to average equity (ytd only) | 49.1703% | 34 |
| Net charge-offs to loans | 0.1449% | 526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 12.5946% | 1,934 |
| Efficiency ratio | 72.2949% | 1,524 |
| Assets per employee ($millions) | 4.8188% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,168 |
| Loan loss allowance to noncurrent loans | 25.8526% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4498% | 102 |
| Noncurrent loans to loans | 4.0740% | 82 |
| Net loans and leases to total assets | 54.2900% | 3,251 |
| Net loans and leases to deposits | 56.9802% | 3,590 |
| Net loans and leases to core deposits | 60.5167% | 3,602 |
| Total domestic deposits to total assets | 95.2800% | 82 |
| Equity capital to assets | 2.3613% | 4,592 |
| Core capital (leverage) ratio | 6.7564% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9103% | 2,326 |
| Memoranda: | ||
| Average total assets | $470,621,000 | 1,795 |
| Average earning assets | $450,557,000 | 1,753 |
| Average equity | $9,481,333 | 3,801 |
| Average total loans | $255,298,333 | 1,980 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 3,040 |
| Cost of funding earning assets | 0.5353% | 3,577 |
| Net interest margin | 3.6665% | 1,983 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.5832% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2992% | 1,671 |
| Return on assets (ROA) | 1.3061% | 1,621 |
| Pretax return on assets | 1.3061% | 2,156 |
| Return on Equity (ROE) | 70.9700% | 39 |
| Retained earnings to average equity (ytd only) | 70.9651% | 23 |
| Net charge-offs to loans | 0.2826% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.5251% | 1,717 |
| Efficiency ratio | 66.5351% | 2,151 |
| Assets per employee ($millions) | 4.7637% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,178 |
| Loan loss allowance to noncurrent loans | 199.1266% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 940 |
| Noncurrent loans to loans | 0.5396% | 1,371 |
| Net loans and leases to total assets | 53.9500% | 3,204 |
| Net loans and leases to deposits | 55.2352% | 3,617 |
| Net loans and leases to core deposits | 58.1373% | 3,621 |
| Total domestic deposits to total assets | 97.6800% | 23 |
| Equity capital to assets | 2.0827% | 4,632 |
| Core capital (leverage) ratio | 6.5499% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8088% | 2,464 |
| Memoranda: | ||
| Average total assets | $469,810,000 | 1,818 |
| Average earning assets | $449,802,500 | 1,773 |
| Average equity | $8,646,500 | 3,934 |
| Average total loans | $253,395,000 | 2,006 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 2,051 |
| Cost of funding earning assets | 0.2191% | 3,604 |
| Net interest margin | 3.6550% | 1,485 |
| Noninterest income to average assets | -0.1100% | 4,700 |
| Noninterest expense to average assets | 4.6393% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.2725% | 4,670 |
| Return on assets (ROA) | -1.2908% | 4,666 |
| Pretax return on assets | -1.2908% | 4,659 |
| Return on Equity (ROE) | -44.1000% | 4,704 |
| Retained earnings to average equity (ytd only) | -44.0979% | 4,717 |
| Net charge-offs to loans | -0.0071% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 137.7942% | 49 |
| Assets per employee ($millions) | 4.7278% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,616 |
| Loan loss allowance to noncurrent loans | 206.0820% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 994 |
| Noncurrent loans to loans | 0.5607% | 1,326 |
| Net loans and leases to total assets | 52.7200% | 3,306 |
| Net loans and leases to deposits | 53.6590% | 3,695 |
| Net loans and leases to core deposits | 54.8207% | 3,775 |
| Total domestic deposits to total assets | 98.2500% | 27 |
| Equity capital to assets | 1.6012% | 4,662 |
| Core capital (leverage) ratio | 6.3904% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2583% | 2,659 |
| Memoranda: | ||
| Average total assets | $458,086,400 | 1,837 |
| Average earning assets | $436,307,200 | 1,801 |
| Average equity | $13,408,800 | 3,535 |
| Average total loans | $239,231,000 | 2,005 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 1,782 |
| Cost of funding earning assets | 0.1650% | 3,679 |
| Net interest margin | 3.6287% | 1,321 |
| Noninterest income to average assets | -0.3000% | 4,742 |
| Noninterest expense to average assets | 5.4134% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -2.2622% | 4,736 |
| Return on assets (ROA) | -2.2871% | 4,733 |
| Pretax return on assets | -2.2871% | 4,728 |
| Return on Equity (ROE) | -69.9000% | 4,744 |
| Retained earnings to average equity (ytd only) | -69.8999% | 4,759 |
| Net charge-offs to loans | 0.0096% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -453.5294% | 4,763 |
| Efficiency ratio | 171.7877% | 30 |
| Assets per employee ($millions) | 4.4805% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,754 |
| Loan loss allowance to noncurrent loans | 202.0337% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 926 |
| Noncurrent loans to loans | 0.5733% | 1,397 |
| Net loans and leases to total assets | 55.4200% | 2,959 |
| Net loans and leases to deposits | 56.1998% | 3,460 |
| Net loans and leases to core deposits | 57.5974% | 3,527 |
| Total domestic deposits to total assets | 98.6200% | 39 |
| Equity capital to assets | 1.1480% | 4,689 |
| Core capital (leverage) ratio | 5.9244% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8892% | 2,848 |
| Memoranda: | ||
| Average total assets | $454,414,000 | 1,856 |
| Average earning assets | $432,286,750 | 1,819 |
| Average equity | $14,868,500 | 3,417 |
| Average total loans | $235,995,750 | 2,023 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 1,644 |
| Cost of funding earning assets | 0.1442% | 3,647 |
| Net interest margin | 3.5191% | 1,266 |
| Noninterest income to average assets | -0.6729% | 4,767 |
| Noninterest expense to average assets | 6.8231% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -4.1504% | 4,755 |
| Return on assets (ROA) | -4.1674% | 4,753 |
| Pretax return on assets | -4.1674% | 4,752 |
| Return on Equity (ROE) | -105.2995% | 4,770 |
| Retained earnings to average equity (ytd only) | -105.2995% | 4,770 |
| Net charge-offs to loans | 0.0198% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -413.2609% | 2,152 |
| Efficiency ratio | 255.2851% | 17 |
| Assets per employee ($millions) | 4.5841% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,812 |
| Loan loss allowance to noncurrent loans | 201.1896% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 1,048 |
| Noncurrent loans to loans | 0.5849% | 1,447 |
| Net loans and leases to total assets | 51.6338% | 3,200 |
| Net loans and leases to deposits | 53.4498% | 3,572 |
| Net loans and leases to core deposits | 54.5773% | 3,663 |
| Total domestic deposits to total assets | 96.6025% | 63 |
| Equity capital to assets | 1.0571% | 4,749 |
| Core capital (leverage) ratio | 5.6158% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9896% | 3,015 |
| Memoranda: | ||
| Average total assets | $458,030,000 | 1,848 |
| Average earning assets | $435,454,667 | 1,826 |
| Average equity | $18,127,333 | 3,226 |
| Average total loans | $231,753,333 | 2,043 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 1,620 |
| Cost of funding earning assets | 0.1382% | 3,658 |
| Net interest margin | 3.4232% | 1,251 |
| Noninterest income to average assets | -1.7933% | 4,796 |
| Noninterest expense to average assets | 11.2687% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -9.8056% | 4,791 |
| Return on assets (ROA) | -9.8250% | 4,791 |
| Pretax return on assets | -9.8250% | 4,791 |
| Return on Equity (ROE) | -180.1493% | 4,796 |
| Retained earnings to average equity (ytd only) | -180.1493% | 4,795 |
| Net charge-offs to loans | 0.0656% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -300.2973% | 1,835 |
| Efficiency ratio | 770.1448% | 6 |
| Assets per employee ($millions) | 4.6051% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,607 |
| Loan loss allowance to noncurrent loans | 200.3501% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 1,050 |
| Noncurrent loans to loans | 0.6237% | 1,503 |
| Net loans and leases to total assets | 49.5964% | 3,209 |
| Net loans and leases to deposits | 52.4014% | 3,540 |
| Net loans and leases to core deposits | 53.4968% | 3,632 |
| Total domestic deposits to total assets | 94.6471% | 61 |
| Equity capital to assets | 2.8826% | 4,791 |
| Core capital (leverage) ratio | 5.4883% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0694% | 3,045 |
| Memoranda: | ||
| Average total assets | $453,253,500 | 1,869 |
| Average earning assets | $431,172,000 | 1,854 |
| Average equity | $24,719,500 | 2,792 |
| Average total loans | $225,477,000 | 2,073 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 2,776 |
| Cost of funding earning assets | 0.1646% | 3,825 |
| Net interest margin | 3.2949% | 2,326 |
| Noninterest income to average assets | 0.4829% | 2,666 |
| Noninterest expense to average assets | 2.5034% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0534% | 2,472 |
| Return on assets (ROA) | 1.1106% | 2,304 |
| Pretax return on assets | 1.1616% | 2,784 |
| Return on Equity (ROE) | 13.4697% | 1,321 |
| Retained earnings to average equity (ytd only) | 13.4697% | 350 |
| Net charge-offs to loans | -0.0615% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4349% | 1,799 |
| Assets per employee ($millions) | 4.5061% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,333 |
| Loan loss allowance to noncurrent loans | 205.5319% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 459 |
| Noncurrent loans to loans | 0.6352% | 1,566 |
| Net loans and leases to total assets | 48.6200% | 3,442 |
| Net loans and leases to deposits | 52.9964% | 3,667 |
| Net loans and leases to core deposits | 54.1108% | 3,747 |
| Total domestic deposits to total assets | 91.7420% | 255 |
| Equity capital to assets | 8.0552% | 4,328 |
| Core capital (leverage) ratio | 8.1888% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1842% | 1,457 |
| Memoranda: | ||
| Average total assets | $429,495,000 | 1,896 |
| Average earning assets | $407,020,800 | 1,881 |
| Average equity | $35,412,800 | 2,271 |
| Average total loans | $225,858,600 | 2,072 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 2,939 |
| Cost of funding earning assets | 0.1704% | 3,917 |
| Net interest margin | 3.2915% | 2,439 |
| Noninterest income to average assets | 0.3790% | 3,214 |
| Noninterest expense to average assets | 2.5502% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9058% | 3,225 |
| Return on assets (ROA) | 0.9837% | 3,054 |
| Pretax return on assets | 1.0306% | 3,373 |
| Return on Equity (ROE) | 11.8585% | 2,095 |
| Retained earnings to average equity (ytd only) | 11.8585% | 861 |
| Net charge-offs to loans | -0.1276% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8890% | 1,325 |
| Assets per employee ($millions) | 4.4649% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,330 |
| Loan loss allowance to noncurrent loans | 103.9846% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 382 |
| Noncurrent loans to loans | 1.2800% | 852 |
| Net loans and leases to total assets | 49.8941% | 3,426 |
| Net loans and leases to deposits | 54.6416% | 3,684 |
| Net loans and leases to core deposits | 55.8189% | 3,789 |
| Total domestic deposits to total assets | 91.3116% | 285 |
| Equity capital to assets | 8.4020% | 4,271 |
| Core capital (leverage) ratio | 7.9957% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2405% | 1,554 |
| Memoranda: | ||
| Average total assets | $424,217,500 | 1,931 |
| Average earning assets | $402,079,500 | 1,916 |
| Average equity | $35,191,750 | 2,310 |
| Average total loans | $226,827,750 | 2,101 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 3,130 |
| Cost of funding earning assets | 0.1805% | 3,940 |
| Net interest margin | 3.2365% | 2,648 |
| Noninterest income to average assets | 0.3247% | 3,480 |
| Noninterest expense to average assets | 2.5916% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7584% | 3,619 |
| Return on assets (ROA) | 0.8769% | 3,363 |
| Pretax return on assets | 0.9195% | 3,616 |
| Return on Equity (ROE) | 10.6188% | 2,554 |
| Retained earnings to average equity (ytd only) | 10.6188% | 1,213 |
| Net charge-offs to loans | -0.0842% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5321% | 1,029 |
| Assets per employee ($millions) | 4.4433% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,702 |
| Loan loss allowance to noncurrent loans | 117.5453% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2551% | 526 |
| Noncurrent loans to loans | 1.0590% | 1,153 |
| Net loans and leases to total assets | 51.4735% | 3,397 |
| Net loans and leases to deposits | 56.1239% | 3,701 |
| Net loans and leases to core deposits | 57.2951% | 3,811 |
| Total domestic deposits to total assets | 91.7140% | 186 |
| Equity capital to assets | 8.0023% | 4,531 |
| Core capital (leverage) ratio | 7.8211% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7057% | 1,417 |
| Memoranda: | ||
| Average total assets | $418,281,333 | 1,945 |
| Average earning assets | $395,670,000 | 1,928 |
| Average equity | $34,542,667 | 2,335 |
| Average total loans | $227,930,333 | 2,107 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 2,895 |
| Cost of funding earning assets | 0.1929% | 3,980 |
| Net interest margin | 3.3156% | 2,343 |
| Noninterest income to average assets | 0.0844% | 4,750 |
| Noninterest expense to average assets | 2.6249% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5556% | 4,057 |
| Return on assets (ROA) | 0.7981% | 3,501 |
| Pretax return on assets | 0.8364% | 3,749 |
| Return on Equity (ROE) | 9.5050% | 2,854 |
| Retained earnings to average equity (ytd only) | 9.5050% | 1,798 |
| Net charge-offs to loans | -0.0933% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8739% | 704 |
| Assets per employee ($millions) | 3.9679% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,762 |
| Loan loss allowance to noncurrent loans | 49.7522% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2478% | 202 |
| Noncurrent loans to loans | 2.4725% | 377 |
| Net loans and leases to total assets | 53.6637% | 3,273 |
| Net loans and leases to deposits | 58.3675% | 3,612 |
| Net loans and leases to core deposits | 59.6373% | 3,729 |
| Total domestic deposits to total assets | 91.9412% | 158 |
| Equity capital to assets | 7.8458% | 4,576 |
| Core capital (leverage) ratio | 8.0722% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3336% | 1,466 |
| Memoranda: | ||
| Average total assets | $407,479,500 | 1,966 |
| Average earning assets | $383,636,500 | 1,957 |
| Average equity | $34,213,500 | 2,342 |
| Average total loans | $227,256,500 | 2,109 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 3,331 |
| Cost of funding earning assets | 0.2854% | 4,219 |
| Net interest margin | 3.5051% | 2,461 |
| Noninterest income to average assets | 0.4692% | 2,776 |
| Noninterest expense to average assets | 2.8797% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8788% | 2,789 |
| Return on assets (ROA) | 0.9904% | 2,472 |
| Pretax return on assets | 1.0284% | 2,947 |
| Return on Equity (ROE) | 11.2922% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.2922% | 400 |
| Net charge-offs to loans | -0.0176% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9460% | 1,235 |
| Assets per employee ($millions) | 3.7558% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,839 |
| Loan loss allowance to noncurrent loans | 50.5684% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4335% | 189 |
| Noncurrent loans to loans | 2.4133% | 433 |
| Net loans and leases to total assets | 56.6068% | 3,237 |
| Net loans and leases to deposits | 62.2741% | 3,587 |
| Net loans and leases to core deposits | 63.6538% | 3,716 |
| Total domestic deposits to total assets | 90.8995% | 249 |
| Equity capital to assets | 8.9836% | 4,069 |
| Core capital (leverage) ratio | 8.2184% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6712% | 1,354 |
| Memoranda: | ||
| Average total assets | $371,460,400 | 1,950 |
| Average earning assets | $352,119,200 | 1,931 |
| Average equity | $32,580,000 | 2,355 |
| Average total loans | $216,475,000 | 2,128 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 3,482 |
| Cost of funding earning assets | 0.3103% | 4,267 |
| Net interest margin | 3.5182% | 2,528 |
| Noninterest income to average assets | 0.4593% | 2,798 |
| Noninterest expense to average assets | 2.9274% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8171% | 3,030 |
| Return on assets (ROA) | 0.8819% | 2,896 |
| Pretax return on assets | 0.9365% | 3,278 |
| Return on Equity (ROE) | 10.1207% | 1,976 |
| Retained earnings to average equity (ytd only) | 10.1207% | 733 |
| Net charge-offs to loans | -0.0143% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1374% | 1,114 |
| Assets per employee ($millions) | 3.7056% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,593 |
| Loan loss allowance to noncurrent loans | 38.3154% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.9381% | 158 |
| Noncurrent loans to loans | 3.1669% | 282 |
| Net loans and leases to total assets | 57.9459% | 3,421 |
| Net loans and leases to deposits | 63.8661% | 3,800 |
| Net loans and leases to core deposits | 65.2191% | 3,940 |
| Total domestic deposits to total assets | 90.7304% | 228 |
| Equity capital to assets | 8.9627% | 4,144 |
| Core capital (leverage) ratio | 7.9108% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1348% | 1,468 |
| Memoranda: | ||
| Average total assets | $365,734,500 | 1,957 |
| Average earning assets | $346,763,500 | 1,934 |
| Average equity | $31,868,000 | 2,383 |
| Average total loans | $214,095,000 | 2,141 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 3,849 |
| Cost of funding earning assets | 0.3328% | 4,351 |
| Net interest margin | 3.4711% | 2,878 |
| Noninterest income to average assets | 0.4744% | 2,689 |
| Noninterest expense to average assets | 3.0786% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6567% | 3,556 |
| Return on assets (ROA) | 0.7567% | 3,311 |
| Pretax return on assets | 0.7940% | 3,604 |
| Return on Equity (ROE) | 8.7743% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.7743% | 1,083 |
| Net charge-offs to loans | -0.0485% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7174% | 774 |
| Assets per employee ($millions) | 3.5836% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,369 |
| Loan loss allowance to noncurrent loans | 39.6083% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.8892% | 173 |
| Noncurrent loans to loans | 3.0979% | 298 |
| Net loans and leases to total assets | 57.6347% | 3,544 |
| Net loans and leases to deposits | 63.1798% | 3,945 |
| Net loans and leases to core deposits | 64.4977% | 4,048 |
| Total domestic deposits to total assets | 91.2233% | 112 |
| Equity capital to assets | 8.5266% | 4,462 |
| Core capital (leverage) ratio | 7.9545% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9667% | 1,494 |
| Memoranda: | ||
| Average total assets | $359,183,667 | 1,963 |
| Average earning assets | $340,756,667 | 1,940 |
| Average equity | $30,977,000 | 2,410 |
| Average total loans | $210,107,000 | 2,151 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 3,776 |
| Cost of funding earning assets | 0.3738% | 4,451 |
| Net interest margin | 3.6293% | 2,571 |
| Noninterest income to average assets | 0.5491% | 2,285 |
| Noninterest expense to average assets | 3.4200% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5453% | 3,762 |
| Return on assets (ROA) | 0.6476% | 3,514 |
| Pretax return on assets | 0.6789% | 3,745 |
| Return on Equity (ROE) | 7.4619% | 2,757 |
| Retained earnings to average equity (ytd only) | 7.4619% | 1,391 |
| Net charge-offs to loans | -0.0218% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6894% | 721 |
| Assets per employee ($millions) | 3.2285% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,910 |
| Loan loss allowance to noncurrent loans | 34.2016% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 3.4586% | 140 |
| Noncurrent loans to loans | 3.9480% | 199 |
| Net loans and leases to total assets | 56.6975% | 3,780 |
| Net loans and leases to deposits | 62.3250% | 4,083 |
| Net loans and leases to core deposits | 63.7059% | 4,185 |
| Total domestic deposits to total assets | 90.9707% | 111 |
| Equity capital to assets | 8.7895% | 4,697 |
| Core capital (leverage) ratio | 8.3311% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4789% | 1,760 |
| Memoranda: | ||
| Average total assets | $345,263,500 | 1,978 |
| Average earning assets | $327,447,500 | 1,945 |
| Average equity | $29,965,500 | 2,455 |
| Average total loans | $202,245,000 | 2,167 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 3,809 |
| Cost of funding earning assets | 0.3795% | 4,509 |
| Net interest margin | 3.8231% | 2,431 |
| Noninterest income to average assets | 0.8340% | 1,346 |
| Noninterest expense to average assets | 3.2066% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1983% | 2,064 |
| Return on assets (ROA) | 1.2026% | 2,143 |
| Pretax return on assets | 1.2516% | 2,663 |
| Return on Equity (ROE) | 15.7283% | 573 |
| Retained earnings to average equity (ytd only) | 15.7283% | 73 |
| Net charge-offs to loans | 0.0405% | 2,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 52.8481% | 1,082 |
| Efficiency ratio | 71.9987% | 1,869 |
| Assets per employee ($millions) | 3.1066% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,725 |
| Loan loss allowance to noncurrent loans | 34.6718% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.5795% | 122 |
| Noncurrent loans to loans | 3.8791% | 190 |
| Net loans and leases to total assets | 58.9205% | 3,677 |
| Net loans and leases to deposits | 64.5397% | 4,043 |
| Net loans and leases to core deposits | 65.9354% | 4,192 |
| Total domestic deposits to total assets | 91.2935% | 86 |
| Equity capital to assets | 8.5642% | 4,888 |
| Core capital (leverage) ratio | 8.5095% | 4,840 |
| Tier 1 risk-based capital ratio | 14.1631% | 3,182 |
| Total risk-based capital ratio | 15.4147% | 3,096 |
| Memoranda: | ||
| Average total assets | $334,778,800 | 1,959 |
| Average earning assets | $316,966,400 | 1,935 |
| Average equity | $25,597,200 | 2,672 |
| Average total loans | $194,932,800 | 2,198 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,930 |
| Cost of funding earning assets | 0.3792% | 4,566 |
| Net interest margin | 3.8158% | 2,542 |
| Noninterest income to average assets | 0.8783% | 1,196 |
| Noninterest expense to average assets | 3.1869% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2459% | 2,028 |
| Return on assets (ROA) | 1.2482% | 2,101 |
| Pretax return on assets | 1.3073% | 2,642 |
| Return on Equity (ROE) | 16.8370% | 496 |
| Retained earnings to average equity (ytd only) | 16.8370% | 89 |
| Net charge-offs to loans | -0.0746% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9497% | 1,975 |
| Assets per employee ($millions) | 3.1229% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,329 |
| Loan loss allowance to noncurrent loans | 40.9033% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 3.6699% | 124 |
| Noncurrent loans to loans | 3.5991% | 211 |
| Net loans and leases to total assets | 58.2239% | 3,859 |
| Net loans and leases to deposits | 63.8353% | 4,180 |
| Net loans and leases to core deposits | 65.5769% | 4,301 |
| Total domestic deposits to total assets | 91.2095% | 81 |
| Equity capital to assets | 8.4302% | 5,023 |
| Core capital (leverage) ratio | 8.1130% | 5,088 |
| Tier 1 risk-based capital ratio | 13.9365% | 3,359 |
| Total risk-based capital ratio | 15.1895% | 3,274 |
| Memoranda: | ||
| Average total assets | $333,818,750 | 1,975 |
| Average earning assets | $316,114,250 | 1,946 |
| Average equity | $24,746,500 | 2,753 |
| Average total loans | $193,107,000 | 2,234 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 4,030 |
| Cost of funding earning assets | 0.3712% | 4,614 |
| Net interest margin | 3.7863% | 2,625 |
| Noninterest income to average assets | 0.9763% | 917 |
| Noninterest expense to average assets | 3.2454% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2533% | 1,946 |
| Return on assets (ROA) | 1.2556% | 1,992 |
| Pretax return on assets | 1.3155% | 2,500 |
| Return on Equity (ROE) | 17.7502% | 396 |
| Retained earnings to average equity (ytd only) | 17.7502% | 87 |
| Net charge-offs to loans | -0.0584% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1938% | 2,038 |
| Assets per employee ($millions) | 3.1437% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,413 |
| Loan loss allowance to noncurrent loans | 38.3582% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 3.9114% | 116 |
| Noncurrent loans to loans | 3.7828% | 202 |
| Net loans and leases to total assets | 57.6450% | 3,948 |
| Net loans and leases to deposits | 62.8823% | 4,284 |
| Net loans and leases to core deposits | 64.5342% | 4,388 |
| Total domestic deposits to total assets | 91.6712% | 54 |
| Equity capital to assets | 7.9468% | 5,183 |
| Core capital (leverage) ratio | 7.7509% | 5,206 |
| Tier 1 risk-based capital ratio | 13.3066% | 3,688 |
| Total risk-based capital ratio | 14.5591% | 3,584 |
| Memoranda: | ||
| Average total assets | $333,706,670 | 1,989 |
| Average earning assets | $315,715,000 | 1,961 |
| Average equity | $23,605,330 | 2,836 |
| Average total loans | $191,654,330 | 2,249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 4,232 |
| Cost of funding earning assets | 0.3640% | 4,627 |
| Net interest margin | 3.6961% | 2,908 |
| Noninterest income to average assets | 1.3948% | 443 |
| Noninterest expense to average assets | 3.2434% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5717% | 956 |
| Return on assets (ROA) | 1.5717% | 985 |
| Pretax return on assets | 1.6463% | 1,356 |
| Return on Equity (ROE) | 23.6997% | 124 |
| Retained earnings to average equity (ytd only) | 23.6997% | 56 |
| Net charge-offs to loans | -0.1735% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3303% | 2,897 |
| Assets per employee ($millions) | 3.1133% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 1,283 |
| Loan loss allowance to noncurrent loans | 31.4726% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 4.4605% | 85 |
| Noncurrent loans to loans | 4.8155% | 124 |
| Net loans and leases to total assets | 55.6787% | 4,089 |
| Net loans and leases to deposits | 60.0823% | 4,404 |
| Net loans and leases to core deposits | 61.5603% | 4,506 |
| Total domestic deposits to total assets | 92.6707% | 31 |
| Equity capital to assets | 7.0488% | 5,308 |
| Core capital (leverage) ratio | 7.5549% | 5,281 |
| Tier 1 risk-based capital ratio | 12.9767% | 3,887 |
| Total risk-based capital ratio | 14.2298% | 3,785 |
| Memoranda: | ||
| Average total assets | $332,372,000 | 2,010 |
| Average earning assets | $314,274,500 | 1,981 |
| Average equity | $22,042,500 | 2,970 |
| Average total loans | $189,102,000 | 2,292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 4,038 |
| Cost of funding earning assets | 0.2340% | 4,875 |
| Net interest margin | 3.7628% | 2,811 |
| Noninterest income to average assets | 0.6128% | 2,227 |
| Noninterest expense to average assets | 3.0522% | 1,925 |
| Loan and lease loss provision to assets | -0.8707% | 5,398 |
| Net operating income to assets | 1.8652% | 484 |
| Return on assets (ROA) | 1.8263% | 519 |
| Pretax return on assets | 1.9268% | 670 |
| Return on Equity (ROE) | 34.8218% | 20 |
| Retained earnings to average equity (ytd only) | 34.8218% | 3 |
| Net charge-offs to loans | 0.1294% | 1,458 |
| Credit loss provision to net charge-offs | -1,217.9487% | 4,764 |
| Earnings coverage of net charge-offs (x) | 15.3462% | 2,330 |
| Efficiency ratio | 73.5606% | 1,696 |
| Assets per employee ($millions) | 3.1294% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,234 |
| Loan loss allowance to noncurrent loans | 39.0757% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.0078% | 117 |
| Noncurrent loans to loans | 3.8853% | 196 |
| Net loans and leases to total assets | 56.4210% | 4,100 |
| Net loans and leases to deposits | 60.3141% | 4,462 |
| Net loans and leases to core deposits | 61.7233% | 4,551 |
| Total domestic deposits to total assets | 93.5454% | 21 |
| Equity capital to assets | 6.2282% | 5,372 |
| Core capital (leverage) ratio | 7.2718% | 5,340 |
| Tier 1 risk-based capital ratio | 12.6764% | 4,029 |
| Total risk-based capital ratio | 13.9294% | 3,917 |
| Memoranda: | ||
| Average total assets | $327,335,400 | 2,008 |
| Average earning assets | $307,646,800 | 1,982 |
| Average equity | $17,167,400 | 3,379 |
| Average total loans | $180,777,000 | 2,327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 4,206 |
| Cost of funding earning assets | 0.2103% | 4,982 |
| Net interest margin | 3.6934% | 3,047 |
| Noninterest income to average assets | 0.6413% | 2,112 |
| Noninterest expense to average assets | 2.9885% | 2,046 |
| Loan and lease loss provision to assets | -1.2231% | 5,473 |
| Net operating income to assets | 2.2342% | 255 |
| Return on assets (ROA) | 2.2265% | 256 |
| Pretax return on assets | 2.3333% | 320 |
| Return on Equity (ROE) | 44.5521% | 13 |
| Retained earnings to average equity (ytd only) | 44.5521% | 2 |
| Net charge-offs to loans | -0.2854% | 5,352 |
| Credit loss provision to net charge-offs | 783.2898% | 498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7688% | 1,769 |
| Assets per employee ($millions) | 3.2746% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 714 |
| Loan loss allowance to noncurrent loans | 45.3306% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 4.2103% | 113 |
| Noncurrent loans to loans | 3.9861% | 206 |
| Net loans and leases to total assets | 54.6324% | 4,313 |
| Net loans and leases to deposits | 58.0582% | 4,640 |
| Net loans and leases to core deposits | 59.4195% | 4,724 |
| Total domestic deposits to total assets | 94.0993% | 11 |
| Equity capital to assets | 5.5615% | 5,456 |
| Core capital (leverage) ratio | 7.0062% | 5,429 |
| Tier 1 risk-based capital ratio | 12.2052% | 4,374 |
| Total risk-based capital ratio | 13.4608% | 4,264 |
| Memoranda: | ||
| Average total assets | $327,023,000 | 2,019 |
| Average earning assets | $306,844,500 | 2,000 |
| Average equity | $16,343,000 | 3,496 |
| Average total loans | $178,909,000 | 2,355 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 4,215 |
| Cost of funding earning assets | 0.1980% | 5,041 |
| Net interest margin | 3.6524% | 3,109 |
| Noninterest income to average assets | 0.6495% | 2,092 |
| Noninterest expense to average assets | 2.9510% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0412% | 2,844 |
| Return on assets (ROA) | 1.0412% | 2,847 |
| Pretax return on assets | 1.1185% | 3,241 |
| Return on Equity (ROE) | 21.6612% | 173 |
| Retained earnings to average equity (ytd only) | 21.6612% | 51 |
| Net charge-offs to loans | -0.2009% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5147% | 1,916 |
| Assets per employee ($millions) | 3.2710% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3965% | 90 |
| Loan loss allowance to noncurrent loans | 79.0902% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 4.6699% | 105 |
| Noncurrent loans to loans | 4.2945% | 194 |
| Net loans and leases to total assets | 52.1712% | 4,466 |
| Net loans and leases to deposits | 54.8817% | 4,807 |
| Net loans and leases to core deposits | 56.1422% | 4,864 |
| Total domestic deposits to total assets | 95.0612% | 6 |
| Equity capital to assets | 4.6217% | 5,531 |
| Core capital (leverage) ratio | 5.9206% | 5,514 |
| Tier 1 risk-based capital ratio | 10.5934% | 5,231 |
| Total risk-based capital ratio | 11.8682% | 5,122 |
| Memoranda: | ||
| Average total assets | $325,784,670 | 2,027 |
| Average earning assets | $305,061,670 | 2,020 |
| Average equity | $15,659,330 | 3,595 |
| Average total loans | $177,207,000 | 2,372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 4,303 |
| Cost of funding earning assets | 0.1911% | 5,073 |
| Net interest margin | 3.5771% | 3,261 |
| Noninterest income to average assets | 0.6512% | 2,026 |
| Noninterest expense to average assets | 2.9877% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9371% | 3,123 |
| Return on assets (ROA) | 0.9371% | 3,140 |
| Pretax return on assets | 1.0141% | 3,484 |
| Return on Equity (ROE) | 19.1140% | 310 |
| Retained earnings to average equity (ytd only) | 19.1140% | 123 |
| Net charge-offs to loans | -0.0683% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6584% | 1,802 |
| Assets per employee ($millions) | 3.2077% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4435% | 94 |
| Loan loss allowance to noncurrent loans | 77.1875% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 4.8313% | 100 |
| Noncurrent loans to loans | 4.4612% | 194 |
| Net loans and leases to total assets | 51.1812% | 4,486 |
| Net loans and leases to deposits | 53.8105% | 4,806 |
| Net loans and leases to core deposits | 55.0696% | 4,874 |
| Total domestic deposits to total assets | 95.1137% | 8 |
| Equity capital to assets | 4.6305% | 5,588 |
| Core capital (leverage) ratio | 5.7654% | 5,577 |
| Tier 1 risk-based capital ratio | 10.3118% | 5,412 |
| Total risk-based capital ratio | 11.5867% | 5,328 |
| Memoranda: | ||
| Average total assets | $321,855,000 | 2,066 |
| Average earning assets | $301,476,000 | 2,050 |
| Average equity | $15,779,000 | 3,615 |
| Average total loans | $175,717,500 | 2,405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,083 |
| Cost of funding earning assets | 0.1661% | 5,179 |
| Net interest margin | 3.6239% | 3,090 |
| Noninterest income to average assets | 0.5543% | 2,689 |
| Noninterest expense to average assets | 3.0752% | 1,934 |
| Loan and lease loss provision to assets | -0.7707% | 5,662 |
| Net operating income to assets | 1.5308% | 751 |
| Return on assets (ROA) | 1.5408% | 752 |
| Pretax return on assets | 1.6497% | 1,160 |
| Return on Equity (ROE) | 32.5018% | 29 |
| Retained earnings to average equity (ytd only) | 32.5018% | 10 |
| Net charge-offs to loans | -0.3536% | 5,581 |
| Credit loss provision to net charge-offs | 398.0892% | 764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9845% | 1,354 |
| Assets per employee ($millions) | 3.1376% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3331% | 98 |
| Loan loss allowance to noncurrent loans | 813.9726% | 749 |
| Noncurrent assets plus other real estate owned to assets | 2.8473% | 297 |
| Noncurrent loans to loans | 0.4095% | 3,300 |
| Net loans and leases to total assets | 54.3809% | 4,326 |
| Net loans and leases to deposits | 57.5310% | 4,719 |
| Net loans and leases to core deposits | 58.8491% | 4,808 |
| Total domestic deposits to total assets | 94.5245% | 9 |
| Equity capital to assets | 5.2730% | 5,646 |
| Core capital (leverage) ratio | 5.7482% | 5,636 |
| Tier 1 risk-based capital ratio | 10.1340% | 5,498 |
| Total risk-based capital ratio | 11.4089% | 5,421 |
| Memoranda: | ||
| Average total assets | $324,370,800 | 2,040 |
| Average earning assets | $303,346,000 | 2,025 |
| Average equity | $15,377,600 | 3,673 |
| Average total loans | $177,595,200 | 2,359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,212 |
| Cost of funding earning assets | 0.1626% | 5,240 |
| Net interest margin | 3.5779% | 3,233 |
| Noninterest income to average assets | 0.5660% | 2,639 |
| Noninterest expense to average assets | 3.0917% | 1,824 |
| Loan and lease loss provision to assets | -1.0217% | 5,732 |
| Net operating income to assets | 1.7397% | 538 |
| Return on assets (ROA) | 1.7541% | 530 |
| Pretax return on assets | 1.8559% | 772 |
| Return on Equity (ROE) | 38.0373% | 20 |
| Retained earnings to average equity (ytd only) | 38.0373% | 9 |
| Net charge-offs to loans | -0.4050% | 5,641 |
| Credit loss provision to net charge-offs | 463.8219% | 690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0574% | 1,206 |
| Assets per employee ($millions) | 3.1323% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2013% | 130 |
| Loan loss allowance to noncurrent loans | 117,080.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 355 |
| Noncurrent loans to loans | 0.0027% | 5,147 |
| Net loans and leases to total assets | 54.8657% | 4,334 |
| Net loans and leases to deposits | 58.1145% | 4,749 |
| Net loans and leases to core deposits | 59.6081% | 4,834 |
| Total domestic deposits to total assets | 94.4096% | 8 |
| Equity capital to assets | 5.3207% | 5,712 |
| Core capital (leverage) ratio | 5.4592% | 5,713 |
| Tier 1 risk-based capital ratio | 9.7083% | 5,650 |
| Total risk-based capital ratio | 10.9824% | 5,617 |
| Memoranda: | ||
| Average total assets | $326,238,500 | 2,042 |
| Average earning assets | $304,978,500 | 2,030 |
| Average equity | $15,044,500 | 3,748 |
| Average total loans | $177,425,250 | 2,366 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 4,460 |
| Cost of funding earning assets | 0.1601% | 5,272 |
| Net interest margin | 3.4610% | 3,540 |
| Noninterest income to average assets | 0.7128% | 1,933 |
| Noninterest expense to average assets | 3.1212% | 1,792 |
| Loan and lease loss provision to assets | -1.5270% | 5,785 |
| Net operating income to assets | 2.2470% | 194 |
| Return on assets (ROA) | 2.2685% | 188 |
| Pretax return on assets | 2.3766% | 265 |
| Return on Equity (ROE) | 51.8088% | 13 |
| Retained earnings to average equity (ytd only) | 51.8088% | 7 |
| Net charge-offs to loans | -0.1184% | 5,462 |
| Credit loss provision to net charge-offs | 2,403.8462% | 176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0532% | 1,328 |
| Assets per employee ($millions) | 3.2718% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0275% | 158 |
| Loan loss allowance to noncurrent loans | 2,696.0199% | 257 |
| Noncurrent assets plus other real estate owned to assets | 2.8512% | 338 |
| Noncurrent loans to loans | 0.1123% | 4,673 |
| Net loans and leases to total assets | 52.5264% | 4,523 |
| Net loans and leases to deposits | 55.4971% | 4,876 |
| Net loans and leases to core deposits | 56.9496% | 4,959 |
| Total domestic deposits to total assets | 94.6471% | 4 |
| Equity capital to assets | 5.0739% | 5,767 |
| Core capital (leverage) ratio | 5.1874% | 5,766 |
| Tier 1 risk-based capital ratio | 9.4073% | 5,717 |
| Total risk-based capital ratio | 10.6786% | 5,703 |
| Memoranda: | ||
| Average total assets | $327,442,670 | 2,035 |
| Average earning assets | $306,092,670 | 2,023 |
| Average equity | $14,337,330 | 3,846 |
| Average total loans | $175,612,000 | 2,389 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,715 |
| Cost of funding earning assets | 0.1572% | 5,319 |
| Net interest margin | 3.3349% | 3,905 |
| Noninterest income to average assets | 0.7081% | 1,925 |
| Noninterest expense to average assets | 3.2571% | 1,462 |
| Loan and lease loss provision to assets | -3.0681% | 5,856 |
| Net operating income to assets | 3.4755% | 69 |
| Return on assets (ROA) | 3.4755% | 70 |
| Pretax return on assets | 3.6424% | 95 |
| Return on Equity (ROE) | 86.3250% | 10 |
| Retained earnings to average equity (ytd only) | 86.3250% | 5 |
| Net charge-offs to loans | -0.1702% | 5,590 |
| Credit loss provision to net charge-offs | 3,378.3784% | 97 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0096% | 890 |
| Assets per employee ($millions) | 3.3536% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0172% | 168 |
| Loan loss allowance to noncurrent loans | 2,667.8218% | 275 |
| Noncurrent assets plus other real estate owned to assets | 2.8397% | 366 |
| Noncurrent loans to loans | 0.1131% | 4,744 |
| Net loans and leases to total assets | 52.1745% | 4,499 |
| Net loans and leases to deposits | 54.7180% | 4,898 |
| Net loans and leases to core deposits | 56.1313% | 4,969 |
| Total domestic deposits to total assets | 95.3516% | 7 |
| Equity capital to assets | 4.4469% | 5,837 |
| Core capital (leverage) ratio | 4.9882% | 5,833 |
| Tier 1 risk-based capital ratio | 8.8936% | 5,813 |
| Total risk-based capital ratio | 10.1645% | 5,811 |
| Memoranda: | ||
| Average total assets | $325,936,500 | 2,060 |
| Average earning assets | $305,253,500 | 2,046 |
| Average equity | $13,122,500 | 4,042 |
| Average total loans | $173,920,500 | 2,416 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 5,149 |
| Cost of funding earning assets | 0.1763% | 5,242 |
| Net interest margin | 3.1292% | 4,646 |
| Noninterest income to average assets | 0.8045% | 1,733 |
| Noninterest expense to average assets | 3.2325% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4342% | 4,840 |
| Return on assets (ROA) | 0.4424% | 4,903 |
| Pretax return on assets | 0.4621% | 5,100 |
| Return on Equity (ROE) | 11.2120% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.2120% | 292 |
| Net charge-offs to loans | 0.1414% | 1,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.0464% | 3,239 |
| Efficiency ratio | 86.5888% | 779 |
| Assets per employee ($millions) | 3.3319% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6180% | 53 |
| Loan loss allowance to noncurrent loans | 994.2748% | 611 |
| Noncurrent assets plus other real estate owned to assets | 3.1341% | 303 |
| Noncurrent loans to loans | 0.4645% | 3,490 |
| Net loans and leases to total assets | 50.4630% | 4,732 |
| Net loans and leases to deposits | 52.4647% | 5,091 |
| Net loans and leases to core deposits | 53.6302% | 5,163 |
| Total domestic deposits to total assets | 96.1847% | 5 |
| Equity capital to assets | 3.5893% | 5,899 |
| Core capital (leverage) ratio | 4.2395% | 5,892 |
| Tier 1 risk-based capital ratio | 7.9999% | 5,878 |
| Total risk-based capital ratio | 9.2921% | 5,874 |
| Memoranda: | ||
| Average total assets | $315,975,000 | 2,086 |
| Average earning assets | $290,965,000 | 2,097 |
| Average equity | $12,468,800 | 4,175 |
| Average total loans | $167,603,000 | 2,438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 5,227 |
| Cost of funding earning assets | 0.1784% | 5,277 |
| Net interest margin | 3.1126% | 4,741 |
| Noninterest income to average assets | 0.7212% | 2,077 |
| Noninterest expense to average assets | 3.1588% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4017% | 5,006 |
| Return on assets (ROA) | 0.4127% | 5,071 |
| Pretax return on assets | 0.4317% | 5,258 |
| Return on Equity (ROE) | 10.2233% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.2233% | 531 |
| Net charge-offs to loans | 0.1994% | 1,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.9719% | 3,330 |
| Efficiency ratio | 86.7313% | 759 |
| Assets per employee ($millions) | 3.2239% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6210% | 54 |
| Loan loss allowance to noncurrent loans | 139.7206% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 4.8097% | 155 |
| Noncurrent loans to loans | 3.3073% | 415 |
| Net loans and leases to total assets | 51.4951% | 4,692 |
| Net loans and leases to deposits | 53.8748% | 5,120 |
| Net loans and leases to core deposits | 55.0483% | 5,194 |
| Total domestic deposits to total assets | 95.5830% | 8 |
| Equity capital to assets | 4.2306% | 5,963 |
| Core capital (leverage) ratio | 4.1257% | 5,960 |
| Tier 1 risk-based capital ratio | 7.7322% | 5,946 |
| Total risk-based capital ratio | 9.0242% | 5,944 |
| Memoranda: | ||
| Average total assets | $315,002,250 | 2,094 |
| Average earning assets | $289,225,750 | 2,112 |
| Average equity | $12,715,750 | 4,175 |
| Average total loans | $167,196,500 | 2,446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 5,059 |
| Cost of funding earning assets | 0.1802% | 5,316 |
| Net interest margin | 3.2295% | 4,446 |
| Noninterest income to average assets | 0.7474% | 1,944 |
| Noninterest expense to average assets | 3.0460% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6246% | 4,170 |
| Return on assets (ROA) | 0.6410% | 4,234 |
| Pretax return on assets | 0.6695% | 4,713 |
| Return on Equity (ROE) | 16.1348% | 520 |
| Retained earnings to average equity (ytd only) | 16.1348% | 112 |
| Net charge-offs to loans | 1.5830% | 89 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.7809% | 3,486 |
| Efficiency ratio | 80.1507% | 1,479 |
| Assets per employee ($millions) | 3.0081% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0077% | 78 |
| Loan loss allowance to noncurrent loans | 106.3329% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 5.2396% | 136 |
| Noncurrent loans to loans | 3.7690% | 338 |
| Net loans and leases to total assets | 50.5767% | 4,804 |
| Net loans and leases to deposits | 52.8678% | 5,208 |
| Net loans and leases to core deposits | 54.0495% | 5,275 |
| Total domestic deposits to total assets | 95.6664% | 9 |
| Equity capital to assets | 4.1288% | 6,039 |
| Core capital (leverage) ratio | 4.0985% | 6,038 |
| Tier 1 risk-based capital ratio | 7.7379% | 6,024 |
| Total risk-based capital ratio | 9.0214% | 6,023 |
| Memoranda: | ||
| Average total assets | $315,762,670 | 2,090 |
| Average earning assets | $288,528,330 | 2,123 |
| Average equity | $12,544,330 | 4,224 |
| Average total loans | $166,649,330 | 2,454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,559 |
| Cost of funding earning assets | 0.1839% | 5,341 |
| Net interest margin | 3.4385% | 3,721 |
| Noninterest income to average assets | 0.6951% | 2,063 |
| Noninterest expense to average assets | 3.1393% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6666% | 3,888 |
| Return on assets (ROA) | 0.6849% | 3,905 |
| Pretax return on assets | 0.7167% | 4,467 |
| Return on Equity (ROE) | 17.5903% | 390 |
| Retained earnings to average equity (ytd only) | 17.5903% | 137 |
| Net charge-offs to loans | 2.4293% | 53 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.5437% | 2,921 |
| Efficiency ratio | 78.6330% | 1,811 |
| Assets per employee ($millions) | 3.1342% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2964% | 75 |
| Loan loss allowance to noncurrent loans | 122.7605% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 5.1757% | 154 |
| Noncurrent loans to loans | 3.4998% | 390 |
| Net loans and leases to total assets | 50.0629% | 4,798 |
| Net loans and leases to deposits | 52.3342% | 5,207 |
| Net loans and leases to core deposits | 53.4907% | 5,287 |
| Total domestic deposits to total assets | 95.6599% | 9 |
| Equity capital to assets | 4.0326% | 6,099 |
| Core capital (leverage) ratio | 4.0075% | 6,099 |
| Tier 1 risk-based capital ratio | 7.5059% | 6,084 |
| Total risk-based capital ratio | 8.7926% | 6,084 |
| Memoranda: | ||
| Average total assets | $314,214,000 | 2,114 |
| Average earning assets | $287,103,000 | 2,141 |
| Average equity | $12,234,000 | 4,292 |
| Average total loans | $165,973,000 | 2,455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1979% | 5,518 |
| Cost of funding earning assets | 0.2127% | 5,168 |
| Net interest margin | 2.9852% | 5,176 |
| Noninterest income to average assets | 0.7411% | 2,018 |
| Noninterest expense to average assets | 3.3594% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0981% | 5,756 |
| Return on assets (ROA) | 0.1119% | 5,781 |
| Pretax return on assets | 0.0666% | 5,831 |
| Return on Equity (ROE) | 2.8481% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.8481% | 4,043 |
| Net charge-offs to loans | 1.5283% | 100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.0730% | 4,264 |
| Efficiency ratio | 94.8177% | 447 |
| Assets per employee ($millions) | 3.2475% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7931% | 55 |
| Loan loss allowance to noncurrent loans | 76.0915% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 6.7764% | 109 |
| Noncurrent loans to loans | 6.2991% | 127 |
| Net loans and leases to total assets | 50.7743% | 4,800 |
| Net loans and leases to deposits | 52.8701% | 5,227 |
| Net loans and leases to core deposits | 54.0130% | 5,316 |
| Total domestic deposits to total assets | 96.0359% | 9 |
| Equity capital to assets | 3.7552% | 6,159 |
| Core capital (leverage) ratio | 3.8352% | 6,160 |
| Tier 1 risk-based capital ratio | 7.1753% | 6,146 |
| Total risk-based capital ratio | 8.4697% | 6,144 |
| Memoranda: | ||
| Average total assets | $311,034,200 | 2,087 |
| Average earning assets | $278,309,600 | 2,150 |
| Average equity | $12,218,600 | 4,263 |
| Average total loans | $146,962,800 | 2,637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 5,417 |
| Cost of funding earning assets | 0.2216% | 5,164 |
| Net interest margin | 3.0750% | 5,021 |
| Noninterest income to average assets | 0.6924% | 2,266 |
| Noninterest expense to average assets | 3.1849% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2241% | 5,630 |
| Return on assets (ROA) | 0.2417% | 5,666 |
| Pretax return on assets | 0.2533% | 5,718 |
| Return on Equity (ROE) | 6.0840% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.0840% | 2,194 |
| Net charge-offs to loans | 1.8140% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.2832% | 3,968 |
| Efficiency ratio | 89.4995% | 730 |
| Assets per employee ($millions) | 3.0738% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5938% | 46 |
| Loan loss allowance to noncurrent loans | 76.7608% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 8.9636% | 67 |
| Noncurrent loans to loans | 7.2874% | 87 |
| Net loans and leases to total assets | 45.9564% | 5,231 |
| Net loans and leases to deposits | 48.0978% | 5,554 |
| Net loans and leases to core deposits | 49.1746% | 5,607 |
| Total domestic deposits to total assets | 95.5478% | 12 |
| Equity capital to assets | 4.1848% | 6,242 |
| Core capital (leverage) ratio | 4.1406% | 6,241 |
| Tier 1 risk-based capital ratio | 7.5234% | 6,224 |
| Total risk-based capital ratio | 8.8187% | 6,224 |
| Memoranda: | ||
| Average total assets | $310,041,750 | 2,106 |
| Average earning assets | $274,982,750 | 2,181 |
| Average equity | $12,316,000 | 4,295 |
| Average total loans | $141,705,250 | 2,723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2041% | 5,616 |
| Cost of funding earning assets | 0.2304% | 5,140 |
| Net interest margin | 2.9737% | 5,281 |
| Noninterest income to average assets | 1.0498% | 1,075 |
| Noninterest expense to average assets | 3.2258% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4470% | 4,975 |
| Return on assets (ROA) | 0.4747% | 4,968 |
| Pretax return on assets | 0.4747% | 5,289 |
| Return on Equity (ROE) | 12.1645% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.1645% | 376 |
| Net charge-offs to loans | 2.8447% | 42 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.3514% | 3,669 |
| Efficiency ratio | 84.4483% | 1,213 |
| Assets per employee ($millions) | 3.0740% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7302% | 46 |
| Loan loss allowance to noncurrent loans | 72.0035% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 9.5881% | 68 |
| Noncurrent loans to loans | 7.9583% | 86 |
| Net loans and leases to total assets | 44.0852% | 5,376 |
| Net loans and leases to deposits | 45.9943% | 5,675 |
| Net loans and leases to core deposits | 47.1411% | 5,720 |
| Total domestic deposits to total assets | 95.8493% | 7 |
| Equity capital to assets | 3.9365% | 6,318 |
| Core capital (leverage) ratio | 4.1529% | 6,318 |
| Tier 1 risk-based capital ratio | 7.4386% | 6,298 |
| Total risk-based capital ratio | 8.7329% | 6,296 |
| Memoranda: | ||
| Average total assets | $310,930,330 | 2,117 |
| Average earning assets | $274,272,000 | 2,203 |
| Average equity | $12,133,670 | 4,355 |
| Average total loans | $139,064,000 | 2,759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2249% | 5,609 |
| Cost of funding earning assets | 0.2423% | 5,103 |
| Net interest margin | 2.9826% | 5,265 |
| Noninterest income to average assets | 0.8960% | 1,394 |
| Noninterest expense to average assets | 3.2215% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2854% | 5,461 |
| Return on assets (ROA) | 0.3407% | 5,391 |
| Pretax return on assets | 0.3407% | 5,557 |
| Return on Equity (ROE) | 8.7679% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.7679% | 1,280 |
| Net charge-offs to loans | 3.5000% | 41 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1866% | 3,089 |
| Efficiency ratio | 88.3431% | 992 |
| Assets per employee ($millions) | 3.4467% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7518% | 22 |
| Loan loss allowance to noncurrent loans | 65.8711% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 10.8800% | 61 |
| Noncurrent loans to loans | 10.2500% | 57 |
| Net loans and leases to total assets | 40.5509% | 5,568 |
| Net loans and leases to deposits | 42.3669% | 5,816 |
| Net loans and leases to core deposits | 43.5299% | 5,855 |
| Total domestic deposits to total assets | 95.7135% | 10 |
| Equity capital to assets | 4.0180% | 6,392 |
| Core capital (leverage) ratio | 3.8916% | 6,394 |
| Tier 1 risk-based capital ratio | 7.2833% | 6,369 |
| Total risk-based capital ratio | 8.5847% | 6,367 |
| Memoranda: | ||
| Average total assets | $311,156,500 | 2,129 |
| Average earning assets | $272,376,500 | 2,232 |
| Average equity | $12,089,500 | 4,401 |
| Average total loans | $135,998,500 | 2,805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 5,400 |
| Cost of funding earning assets | 0.3764% | 3,951 |
| Net interest margin | 3.0917% | 5,229 |
| Noninterest income to average assets | 1.1518% | 908 |
| Noninterest expense to average assets | 3.4342% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4394% | 5,071 |
| Return on assets (ROA) | 0.4394% | 5,161 |
| Pretax return on assets | 0.4394% | 5,404 |
| Return on Equity (ROE) | 17.0262% | 489 |
| Retained earnings to average equity (ytd only) | 17.0262% | 104 |
| Net charge-offs to loans | 4.4765% | 11 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.2051% | 4,681 |
| Efficiency ratio | 85.5823% | 1,217 |
| Assets per employee ($millions) | 3.2605% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5114% | 18 |
| Loan loss allowance to noncurrent loans | 55.7794% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 12.5911% | 52 |
| Noncurrent loans to loans | 13.4662% | 35 |
| Net loans and leases to total assets | 40.5106% | 5,710 |
| Net loans and leases to deposits | 42.3127% | 5,961 |
| Net loans and leases to core deposits | 43.3864% | 5,977 |
| Total domestic deposits to total assets | 95.7410% | 14 |
| Equity capital to assets | 4.0293% | 6,480 |
| Core capital (leverage) ratio | 4.0306% | 6,478 |
| Tier 1 risk-based capital ratio | 7.9070% | 6,445 |
| Total risk-based capital ratio | 9.2203% | 6,444 |
| Memoranda: | ||
| Average total assets | $324,089,400 | 2,004 |
| Average earning assets | $285,311,200 | 2,090 |
| Average equity | $8,363,600 | 5,111 |
| Average total loans | $155,076,600 | 2,492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4233% | 5,550 |
| Cost of funding earning assets | 0.4059% | 3,715 |
| Net interest margin | 3.0174% | 5,467 |
| Noninterest income to average assets | 1.3224% | 696 |
| Noninterest expense to average assets | 3.2090% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7787% | 3,519 |
| Return on assets (ROA) | 0.7787% | 3,627 |
| Pretax return on assets | 0.7787% | 4,431 |
| Return on Equity (ROE) | 34.8595% | 41 |
| Retained earnings to average equity (ytd only) | 34.8595% | 22 |
| Net charge-offs to loans | 3.9881% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 4,396 |
| Efficiency ratio | 77.5164% | 2,261 |
| Assets per employee ($millions) | 3.3734% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4525% | 17 |
| Loan loss allowance to noncurrent loans | 46.1211% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 14.5211% | 41 |
| Noncurrent loans to loans | 18.3268% | 15 |
| Net loans and leases to total assets | 42.1338% | 5,658 |
| Net loans and leases to deposits | 43.9315% | 5,976 |
| Net loans and leases to core deposits | 45.4812% | 5,973 |
| Total domestic deposits to total assets | 95.9079% | 15 |
| Equity capital to assets | 3.9102% | 6,555 |
| Core capital (leverage) ratio | 4.0736% | 6,551 |
| Tier 1 risk-based capital ratio | 7.7160% | 6,515 |
| Total risk-based capital ratio | 9.0406% | 6,514 |
| Memoranda: | ||
| Average total assets | $326,860,000 | 2,000 |
| Average earning assets | $288,716,500 | 2,092 |
| Average equity | $7,301,500 | 5,389 |
| Average total loans | $159,571,000 | 2,449 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,600 |
| Cost of funding earning assets | 0.4337% | 3,508 |
| Net interest margin | 2.9789% | 5,576 |
| Noninterest income to average assets | 1.8457% | 398 |
| Noninterest expense to average assets | 3.4250% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0596% | 2,084 |
| Return on assets (ROA) | 1.0596% | 2,160 |
| Pretax return on assets | 1.0596% | 3,243 |
| Return on Equity (ROE) | 62.7167% | 16 |
| Retained earnings to average equity (ytd only) | 62.7167% | 9 |
| Net charge-offs to loans | 5.8302% | 6 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3655% | 4,060 |
| Efficiency ratio | 73.7563% | 3,016 |
| Assets per employee ($millions) | 3.5137% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1589% | 18 |
| Loan loss allowance to noncurrent loans | 43.6201% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 14.1961% | 41 |
| Noncurrent loans to loans | 18.7044% | 15 |
| Net loans and leases to total assets | 42.5025% | 5,646 |
| Net loans and leases to deposits | 44.2057% | 5,971 |
| Net loans and leases to core deposits | 46.2099% | 5,989 |
| Total domestic deposits to total assets | 96.1470% | 15 |
| Equity capital to assets | 3.6977% | 6,620 |
| Core capital (leverage) ratio | 3.7644% | 6,617 |
| Tier 1 risk-based capital ratio | 7.1539% | 6,592 |
| Total risk-based capital ratio | 8.4783% | 6,587 |
| Memoranda: | ||
| Average total assets | $328,989,330 | 1,983 |
| Average earning assets | $291,452,000 | 2,064 |
| Average equity | $5,558,330 | 5,819 |
| Average total loans | $163,596,670 | 2,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3594% | 5,732 |
| Cost of funding earning assets | 0.4687% | 3,240 |
| Net interest margin | 2.8907% | 5,772 |
| Noninterest income to average assets | 0.5872% | 2,809 |
| Noninterest expense to average assets | 3.4793% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3375% | 6,416 |
| Return on assets (ROA) | -0.3375% | 6,415 |
| Pretax return on assets | -0.3375% | 6,405 |
| Return on Equity (ROE) | -49.6638% | 6,690 |
| Retained earnings to average equity (ytd only) | -49.6638% | 6,669 |
| Net charge-offs to loans | -0.0758% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0182% | 312 |
| Assets per employee ($millions) | 3.5832% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4867% | 7 |
| Loan loss allowance to noncurrent loans | 44.2022% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 17.5717% | 28 |
| Noncurrent loans to loans | 23.7244% | 7 |
| Net loans and leases to total assets | 44.2428% | 5,485 |
| Net loans and leases to deposits | 45.1946% | 5,909 |
| Net loans and leases to core deposits | 47.1229% | 5,924 |
| Total domestic deposits to total assets | 97.8940% | 5 |
| Equity capital to assets | 1.9425% | 6,714 |
| Core capital (leverage) ratio | 2.2290% | 6,716 |
| Tier 1 risk-based capital ratio | 4.2352% | 6,706 |
| Total risk-based capital ratio | 5.5876% | 6,708 |
| Memoranda: | ||
| Average total assets | $328,339,500 | 1,992 |
| Average earning assets | $290,171,500 | 2,081 |
| Average equity | $2,231,000 | 6,575 |
| Average total loans | $168,969,000 | 2,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,993 |
| Cost of funding earning assets | 0.6063% | 2,602 |
| Net interest margin | 3.4216% | 4,197 |
| Noninterest income to average assets | 0.0643% | 6,507 |
| Noninterest expense to average assets | 2.8942% | 3,390 |
| Loan and lease loss provision to assets | 4.4787% | 8 |
| Net operating income to assets | -4.2584% | 6,792 |
| Return on assets (ROA) | -4.2584% | 6,792 |
| Pretax return on assets | -4.2584% | 6,790 |
| Return on Equity (ROE) | -152.4458% | 6,812 |
| Retained earnings to average equity (ytd only) | -152.4458% | 6,812 |
| Net charge-offs to loans | 3.1961% | 73 |
| Credit loss provision to net charge-offs | 253.1049% | 896 |
| Earnings coverage of net charge-offs (x) | 0.1245% | 5,039 |
| Efficiency ratio | 89.4784% | 1,067 |
| Assets per employee ($millions) | 3.2345% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9519% | 10 |
| Loan loss allowance to noncurrent loans | 56.7722% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 15.7152% | 43 |
| Noncurrent loans to loans | 17.5295% | 28 |
| Net loans and leases to total assets | 48.2289% | 5,271 |
| Net loans and leases to deposits | 47.9511% | 5,902 |
| Net loans and leases to core deposits | 50.6420% | 5,893 |
| Total domestic deposits to total assets | 100.5794% | 1 |
| Equity capital to assets | -0.6217% | 6,811 |
| Core capital (leverage) ratio | -0.0416% | 6,811 |
| Tier 1 risk-based capital ratio | -0.0768% | 6,811 |
| Total risk-based capital ratio | -0.0768% | 6,811 |
| Memoranda: | ||
| Average total assets | $359,481,600 | 1,804 |
| Average earning assets | $320,462,800 | 1,857 |
| Average equity | $10,041,600 | 4,837 |
| Average total loans | $199,022,200 | 2,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3163% | 6,037 |
| Cost of funding earning assets | 0.6260% | 2,594 |
| Net interest margin | 2.6903% | 6,193 |
| Noninterest income to average assets | 0.1921% | 6,025 |
| Noninterest expense to average assets | 2.5874% | 4,435 |
| Loan and lease loss provision to assets | 1.6619% | 63 |
| Net operating income to assets | -1.6517% | 6,774 |
| Return on assets (ROA) | -1.6517% | 6,775 |
| Pretax return on assets | -1.6517% | 6,769 |
| Return on Equity (ROE) | -46.6230% | 6,856 |
| Retained earnings to average equity (ytd only) | -46.6230% | 6,853 |
| Net charge-offs to loans | 1.3783% | 375 |
| Credit loss provision to net charge-offs | 216.2429% | 1,121 |
| Earnings coverage of net charge-offs (x) | 0.0132% | 4,854 |
| Efficiency ratio | 95.5843% | 646 |
| Assets per employee ($millions) | 3.6098% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2945% | 90 |
| Loan loss allowance to noncurrent loans | 32.2821% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 15.6056% | 46 |
| Noncurrent loans to loans | 16.4006% | 37 |
| Net loans and leases to total assets | 52.0049% | 4,871 |
| Net loans and leases to deposits | 53.2632% | 5,609 |
| Net loans and leases to core deposits | 56.3985% | 5,592 |
| Total domestic deposits to total assets | 97.6377% | 5 |
| Equity capital to assets | 2.3133% | 6,869 |
| Core capital (leverage) ratio | 2.7279% | 6,862 |
| Tier 1 risk-based capital ratio | 5.0076% | 6,847 |
| Total risk-based capital ratio | 6.3010% | 6,847 |
| Memoranda: | ||
| Average total assets | $368,490,750 | 1,780 |
| Average earning assets | $329,471,500 | 1,815 |
| Average equity | $13,054,750 | 4,303 |
| Average total loans | $205,469,250 | 1,973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 6,266 |
| Cost of funding earning assets | 0.6426% | 2,568 |
| Net interest margin | 2.5282% | 6,420 |
| Noninterest income to average assets | -0.1629% | 6,863 |
| Noninterest expense to average assets | 2.5267% | 4,639 |
| Loan and lease loss provision to assets | 1.3262% | 113 |
| Net operating income to assets | -1.7618% | 6,835 |
| Return on assets (ROA) | -1.7618% | 6,838 |
| Pretax return on assets | -1.7618% | 6,828 |
| Return on Equity (ROE) | -44.9939% | 6,898 |
| Retained earnings to average equity (ytd only) | -44.9939% | 6,892 |
| Net charge-offs to loans | 0.4972% | 1,313 |
| Credit loss provision to net charge-offs | 476.1905% | 576 |
| Earnings coverage of net charge-offs (x) | -1.5638% | 4,746 |
| Efficiency ratio | 115.9310% | 213 |
| Assets per employee ($millions) | 4.0221% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7415% | 143 |
| Loan loss allowance to noncurrent loans | 33.7188% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 14.5259% | 67 |
| Noncurrent loans to loans | 14.0618% | 65 |
| Net loans and leases to total assets | 50.8956% | 5,010 |
| Net loans and leases to deposits | 52.4616% | 5,648 |
| Net loans and leases to core deposits | 55.3659% | 5,649 |
| Total domestic deposits to total assets | 97.0149% | 10 |
| Equity capital to assets | 2.9308% | 6,902 |
| Core capital (leverage) ratio | 2.9032% | 6,906 |
| Tier 1 risk-based capital ratio | 5.1276% | 6,893 |
| Total risk-based capital ratio | 6.4135% | 6,895 |
| Memoranda: | ||
| Average total assets | $377,011,330 | 1,748 |
| Average earning assets | $336,123,000 | 1,781 |
| Average equity | $14,762,000 | 3,993 |
| Average total loans | $211,189,000 | 1,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 3,015 |
| Cost of funding earning assets | 0.6639% | 2,532 |
| Net interest margin | 3.6089% | 3,221 |
| Noninterest income to average assets | 0.6563% | 2,842 |
| Noninterest expense to average assets | 2.1602% | 5,780 |
| Loan and lease loss provision to assets | 0.9512% | 194 |
| Net operating income to assets | 0.7620% | 3,370 |
| Return on assets (ROA) | 0.7620% | 3,512 |
| Pretax return on assets | 0.7620% | 4,321 |
| Return on Equity (ROE) | 17.3094% | 487 |
| Retained earnings to average equity (ytd only) | 17.3094% | 221 |
| Net charge-offs to loans | 0.5109% | 1,178 |
| Credit loss provision to net charge-offs | 324.9097% | 747 |
| Earnings coverage of net charge-offs (x) | 5.8520% | 2,315 |
| Efficiency ratio | 53.1514% | 6,286 |
| Assets per employee ($millions) | 4.1127% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8268% | 327 |
| Loan loss allowance to noncurrent loans | 35.9024% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 12.6367% | 119 |
| Noncurrent loans to loans | 10.6590% | 183 |
| Net loans and leases to total assets | 53.3796% | 4,504 |
| Net loans and leases to deposits | 55.8703% | 5,258 |
| Net loans and leases to core deposits | 58.9604% | 5,249 |
| Total domestic deposits to total assets | 95.5420% | 35 |
| Equity capital to assets | 4.3984% | 6,922 |
| Core capital (leverage) ratio | 3.8671% | 6,940 |
| Tier 1 risk-based capital ratio | 6.4572% | 6,917 |
| Total risk-based capital ratio | 7.7335% | 6,917 |
| Memoranda: | ||
| Average total assets | $378,489,000 | 1,755 |
| Average earning assets | $337,392,000 | 1,792 |
| Average equity | $16,661,500 | 3,719 |
| Average total loans | $216,856,500 | 1,896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 4,124 |
| Cost of funding earning assets | 0.8342% | 2,400 |
| Net interest margin | 3.4855% | 4,556 |
| Noninterest income to average assets | -2.3208% | 7,080 |
| Noninterest expense to average assets | 2.5572% | 4,908 |
| Loan and lease loss provision to assets | 7.9474% | 3 |
| Net operating income to assets | -9.6971% | 7,079 |
| Return on assets (ROA) | -9.6971% | 7,080 |
| Pretax return on assets | -9.7959% | 7,080 |
| Return on Equity (ROE) | -90.8615% | 7,063 |
| Retained earnings to average equity (ytd only) | -90.8615% | 7,063 |
| Net charge-offs to loans | 12.1457% | 3 |
| Credit loss provision to net charge-offs | 102.5377% | 2,933 |
| Earnings coverage of net charge-offs (x) | -0.2385% | 5,589 |
| Efficiency ratio | 347.0924% | 13 |
| Assets per employee ($millions) | 4.1611% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3876% | 478 |
| Loan loss allowance to noncurrent loans | 31.7315% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 12.7224% | 117 |
| Noncurrent loans to loans | 10.6760% | 199 |
| Net loans and leases to total assets | 57.1222% | 4,105 |
| Net loans and leases to deposits | 59.8129% | 5,048 |
| Net loans and leases to core deposits | 63.4912% | 5,017 |
| Total domestic deposits to total assets | 95.5014% | 37 |
| Equity capital to assets | 4.4059% | 6,982 |
| Core capital (leverage) ratio | 3.7964% | 7,006 |
| Tier 1 risk-based capital ratio | 5.8841% | 6,995 |
| Total risk-based capital ratio | 7.1556% | 6,998 |
| Memoranda: | ||
| Average total assets | $395,552,000 | 1,656 |
| Average earning assets | $343,797,400 | 1,732 |
| Average equity | $42,214,800 | 1,649 |
| Average total loans | $252,418,000 | 1,635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 4,438 |
| Cost of funding earning assets | 0.8707% | 2,389 |
| Net interest margin | 3.4331% | 4,910 |
| Noninterest income to average assets | 0.6240% | 3,135 |
| Noninterest expense to average assets | 2.4749% | 5,164 |
| Loan and lease loss provision to assets | 6.7527% | 4 |
| Net operating income to assets | -5.6354% | 7,163 |
| Return on assets (ROA) | -5.6354% | 7,164 |
| Pretax return on assets | -5.6354% | 7,166 |
| Return on Equity (ROE) | -46.4347% | 7,112 |
| Retained earnings to average equity (ytd only) | -46.4347% | 7,106 |
| Net charge-offs to loans | 11.1479% | 4 |
| Credit loss provision to net charge-offs | 93.3205% | 3,200 |
| Earnings coverage of net charge-offs (x) | 0.1544% | 5,256 |
| Efficiency ratio | 66.2191% | 4,412 |
| Assets per employee ($millions) | 4.3024% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,693 |
| Loan loss allowance to noncurrent loans | 14.3268% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 17.3922% | 63 |
| Noncurrent loans to loans | 15.3984% | 90 |
| Net loans and leases to total assets | 61.5912% | 3,466 |
| Net loans and leases to deposits | 68.2749% | 4,140 |
| Net loans and leases to core deposits | 72.8413% | 4,148 |
| Total domestic deposits to total assets | 90.2106% | 724 |
| Equity capital to assets | 9.7050% | 4,915 |
| Core capital (leverage) ratio | 8.8334% | 5,291 |
| Tier 1 risk-based capital ratio | 12.8700% | 5,354 |
| Total risk-based capital ratio | 13.7050% | 5,641 |
| Memoranda: | ||
| Average total assets | $400,815,750 | 1,648 |
| Average earning assets | $346,539,500 | 1,741 |
| Average equity | $48,643,500 | 1,457 |
| Average total loans | $260,167,000 | 1,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 4,709 |
| Cost of funding earning assets | 0.9149% | 2,296 |
| Net interest margin | 3.3496% | 5,274 |
| Noninterest income to average assets | 0.6138% | 3,176 |
| Noninterest expense to average assets | 2.7058% | 4,392 |
| Loan and lease loss provision to assets | 3.1578% | 51 |
| Net operating income to assets | -2.3723% | 7,114 |
| Return on assets (ROA) | -2.3723% | 7,119 |
| Pretax return on assets | -2.3723% | 7,104 |
| Return on Equity (ROE) | -18.3751% | 7,022 |
| Retained earnings to average equity (ytd only) | -18.3751% | 6,995 |
| Net charge-offs to loans | 2.6325% | 257 |
| Credit loss provision to net charge-offs | 183.0664% | 1,551 |
| Earnings coverage of net charge-offs (x) | 0.4554% | 4,850 |
| Efficiency ratio | 74.7739% | 2,939 |
| Assets per employee ($millions) | 4.0584% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7409% | 408 |
| Loan loss allowance to noncurrent loans | 19.6703% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 20.1070% | 38 |
| Noncurrent loans to loans | 19.0181% | 54 |
| Net loans and leases to total assets | 61.1240% | 3,606 |
| Net loans and leases to deposits | 69.6468% | 3,948 |
| Net loans and leases to core deposits | 73.9024% | 4,049 |
| Total domestic deposits to total assets | 87.7628% | 2,303 |
| Equity capital to assets | 12.1464% | 2,032 |
| Core capital (leverage) ratio | 11.6180% | 1,826 |
| Tier 1 risk-based capital ratio | 16.2558% | 3,026 |
| Total risk-based capital ratio | 17.5310% | 2,985 |
| Memoranda: | ||
| Average total assets | $405,350,000 | 1,626 |
| Average earning assets | $348,218,000 | 1,735 |
| Average equity | $52,331,670 | 1,364 |
| Average total loans | $265,599,670 | 1,569 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 2,725 |
| Cost of funding earning assets | 0.9868% | 2,055 |
| Net interest margin | 3.7911% | 3,431 |
| Noninterest income to average assets | 0.6302% | 3,059 |
| Noninterest expense to average assets | 2.8412% | 3,858 |
| Loan and lease loss provision to assets | 2.4809% | 103 |
| Net operating income to assets | -1.4588% | 7,082 |
| Return on assets (ROA) | -1.4588% | 7,090 |
| Pretax return on assets | -1.4588% | 7,071 |
| Return on Equity (ROE) | -10.9694% | 7,007 |
| Retained earnings to average equity (ytd only) | -10.9694% | 6,866 |
| Net charge-offs to loans | 0.8022% | 1,280 |
| Credit loss provision to net charge-offs | 464.6840% | 694 |
| Earnings coverage of net charge-offs (x) | 1.9145% | 3,374 |
| Efficiency ratio | 71.0763% | 3,607 |
| Assets per employee ($millions) | 3.4026% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3006% | 621 |
| Loan loss allowance to noncurrent loans | 27.7760% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 15.7970% | 94 |
| Noncurrent loans to loans | 11.8828% | 211 |
| Net loans and leases to total assets | 63.1064% | 3,019 |
| Net loans and leases to deposits | 72.5846% | 3,345 |
| Net loans and leases to core deposits | 77.3622% | 3,419 |
| Total domestic deposits to total assets | 86.9418% | 2,987 |
| Equity capital to assets | 12.9735% | 1,453 |
| Core capital (leverage) ratio | 12.5945% | 1,298 |
| Tier 1 risk-based capital ratio | 16.9824% | 2,691 |
| Total risk-based capital ratio | 18.2527% | 2,640 |
| Memoranda: | ||
| Average total assets | $403,076,000 | 1,641 |
| Average earning assets | $343,753,000 | 1,760 |
| Average equity | $53,603,500 | 1,321 |
| Average total loans | $268,258,000 | 1,568 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 2,880 |
| Cost of funding earning assets | 1.2750% | 1,594 |
| Net interest margin | 3.7252% | 4,176 |
| Noninterest income to average assets | -2.8187% | 7,357 |
| Noninterest expense to average assets | 2.7255% | 4,641 |
| Loan and lease loss provision to assets | 1.3484% | 593 |
| Net operating income to assets | -3.7763% | 7,242 |
| Return on assets (ROA) | -3.7758% | 7,249 |
| Pretax return on assets | -3.6361% | 7,245 |
| Return on Equity (ROE) | -25.4209% | 7,049 |
| Retained earnings to average equity (ytd only) | -25.4209% | 7,039 |
| Net charge-offs to loans | 2.6411% | 420 |
| Credit loss provision to net charge-offs | 72.2674% | 4,766 |
| Earnings coverage of net charge-offs (x) | -1.2264% | 6,224 |
| Efficiency ratio | 602.0374% | 9 |
| Assets per employee ($millions) | 3.3153% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 1,329 |
| Loan loss allowance to noncurrent loans | 23.9159% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 15.1088% | 114 |
| Noncurrent loans to loans | 10.4097% | 292 |
| Net loans and leases to total assets | 66.1892% | 2,750 |
| Net loans and leases to deposits | 76.7444% | 3,048 |
| Net loans and leases to core deposits | 82.0252% | 3,178 |
| Total domestic deposits to total assets | 86.2463% | 3,168 |
| Equity capital to assets | 13.6323% | 1,202 |
| Core capital (leverage) ratio | 12.9504% | 1,163 |
| Tier 1 risk-based capital ratio | 17.1910% | 2,518 |
| Total risk-based capital ratio | 18.1162% | 2,627 |
| Memoranda: | ||
| Average total assets | $415,304,000 | 1,565 |
| Average earning assets | $362,990,400 | 1,629 |
| Average equity | $61,685,400 | 1,094 |
| Average total loans | $293,400,000 | 1,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 3,786 |
| Cost of funding earning assets | 1.3239% | 1,577 |
| Net interest margin | 3.5254% | 5,073 |
| Noninterest income to average assets | 0.5900% | 3,233 |
| Noninterest expense to average assets | 6.5964% | 159 |
| Loan and lease loss provision to assets | 0.8578% | 1,067 |
| Net operating income to assets | -3.7644% | 7,323 |
| Return on assets (ROA) | -3.7644% | 7,324 |
| Pretax return on assets | -3.7644% | 7,321 |
| Return on Equity (ROE) | -24.8603% | 7,165 |
| Retained earnings to average equity (ytd only) | -24.8603% | 7,154 |
| Net charge-offs to loans | 2.1213% | 577 |
| Credit loss provision to net charge-offs | 56.7108% | 4,882 |
| Earnings coverage of net charge-offs (x) | -1.9217% | 6,014 |
| Efficiency ratio | 176.2872% | 81 |
| Assets per employee ($millions) | 3.4124% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 1,634 |
| Loan loss allowance to noncurrent loans | 14.4807% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 16.0181% | 108 |
| Noncurrent loans to loans | 16.1197% | 115 |
| Net loans and leases to total assets | 69.5923% | 2,161 |
| Net loans and leases to deposits | 81.2955% | 2,488 |
| Net loans and leases to core deposits | 86.1936% | 2,751 |
| Total domestic deposits to total assets | 85.6041% | 3,442 |
| Equity capital to assets | 14.2613% | 1,063 |
| Core capital (leverage) ratio | 13.6401% | 999 |
| Tier 1 risk-based capital ratio | 18.0369% | 2,235 |
| Total risk-based capital ratio | 18.9460% | 2,333 |
| Memoranda: | ||
| Average total assets | $419,671,250 | 1,559 |
| Average earning assets | $369,011,750 | 1,617 |
| Average equity | $63,548,250 | 1,068 |
| Average total loans | $299,238,250 | 1,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 4,552 |
| Cost of funding earning assets | 1.3870% | 1,471 |
| Net interest margin | 3.3060% | 5,837 |
| Noninterest income to average assets | 0.5687% | 3,342 |
| Noninterest expense to average assets | 8.7968% | 94 |
| Loan and lease loss provision to assets | 0.8509% | 1,059 |
| Net operating income to assets | -6.2033% | 7,463 |
| Return on assets (ROA) | -6.2033% | 7,465 |
| Pretax return on assets | -6.2033% | 7,464 |
| Return on Equity (ROE) | -40.2116% | 7,307 |
| Retained earnings to average equity (ytd only) | -40.2116% | 7,302 |
| Net charge-offs to loans | 1.2700% | 1,224 |
| Credit loss provision to net charge-offs | 93.9457% | 3,342 |
| Earnings coverage of net charge-offs (x) | -5.9092% | 5,800 |
| Efficiency ratio | 252.7450% | 32 |
| Assets per employee ($millions) | 3.5195% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9161% | 968 |
| Loan loss allowance to noncurrent loans | 17.5373% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 16.1066% | 121 |
| Noncurrent loans to loans | 16.6278% | 107 |
| Net loans and leases to total assets | 69.0241% | 2,409 |
| Net loans and leases to deposits | 79.8115% | 2,833 |
| Net loans and leases to core deposits | 85.6092% | 2,972 |
| Total domestic deposits to total assets | 86.4840% | 3,048 |
| Equity capital to assets | 13.3733% | 1,347 |
| Core capital (leverage) ratio | 12.4748% | 1,368 |
| Tier 1 risk-based capital ratio | 17.2241% | 2,434 |
| Total risk-based capital ratio | 18.4925% | 2,406 |
| Memoranda: | ||
| Average total assets | $423,064,330 | 1,566 |
| Average earning assets | $367,992,330 | 1,630 |
| Average equity | $65,264,670 | 1,035 |
| Average total loans | $301,722,330 | 1,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 1,100 |
| Cost of funding earning assets | 1.4293% | 1,472 |
| Net interest margin | 4.1489% | 2,085 |
| Noninterest income to average assets | 0.5640% | 3,410 |
| Noninterest expense to average assets | 2.1038% | 6,624 |
| Loan and lease loss provision to assets | 0.8502% | 972 |
| Net operating income to assets | 0.7161% | 3,443 |
| Return on assets (ROA) | 0.7161% | 3,506 |
| Pretax return on assets | 1.1364% | 2,617 |
| Return on Equity (ROE) | 4.3528% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.3528% | 3,558 |
| Net charge-offs to loans | 0.5965% | 2,002 |
| Credit loss provision to net charge-offs | 199.5565% | 1,495 |
| Earnings coverage of net charge-offs (x) | 4.6630% | 2,421 |
| Efficiency ratio | 49.2148% | 7,049 |
| Assets per employee ($millions) | 3.6063% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0930% | 840 |
| Loan loss allowance to noncurrent loans | 24.4916% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 15.9987% | 135 |
| Noncurrent loans to loans | 12.6290% | 249 |
| Net loans and leases to total assets | 67.4817% | 2,660 |
| Net loans and leases to deposits | 80.7848% | 2,557 |
| Net loans and leases to core deposits | 86.4876% | 2,806 |
| Total domestic deposits to total assets | 83.5327% | 4,686 |
| Equity capital to assets | 16.2182% | 537 |
| Core capital (leverage) ratio | 15.9329% | 513 |
| Tier 1 risk-based capital ratio | 20.5695% | 1,460 |
| Total risk-based capital ratio | 21.8389% | 1,436 |
| Memoranda: | ||
| Average total assets | $423,429,000 | 1,571 |
| Average earning assets | $359,898,500 | 1,670 |
| Average equity | $69,657,000 | 968 |
| Average total loans | $302,449,000 | 1,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 2,668 |
| Cost of funding earning assets | 1.6063% | 2,038 |
| Net interest margin | 3.7945% | 3,973 |
| Noninterest income to average assets | 0.6216% | 3,333 |
| Noninterest expense to average assets | 2.0902% | 6,872 |
| Loan and lease loss provision to assets | 2.9206% | 338 |
| Net operating income to assets | -0.9836% | 6,672 |
| Return on assets (ROA) | -0.9828% | 6,713 |
| Pretax return on assets | -1.0434% | 6,665 |
| Return on Equity (ROE) | -5.7672% | 6,484 |
| Retained earnings to average equity (ytd only) | -5.7806% | 6,364 |
| Net charge-offs to loans | 3.2501% | 478 |
| Credit loss provision to net charge-offs | 130.1733% | 3,053 |
| Earnings coverage of net charge-offs (x) | 0.8363% | 5,292 |
| Efficiency ratio | 50.4699% | 7,087 |
| Assets per employee ($millions) | 3.4508% | 5,051 |
| Cash dividends to net income (ytd only)* | -0.2327% | 7,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9228% | 928 |
| Loan loss allowance to noncurrent loans | 26.7205% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 15.5825% | 146 |
| Noncurrent loans to loans | 10.9385% | 359 |
| Net loans and leases to total assets | 71.1597% | 2,267 |
| Net loans and leases to deposits | 85.5709% | 2,171 |
| Net loans and leases to core deposits | 91.2376% | 2,582 |
| Total domestic deposits to total assets | 83.1588% | 4,728 |
| Equity capital to assets | 16.6936% | 490 |
| Core capital (leverage) ratio | 15.5474% | 572 |
| Tier 1 risk-based capital ratio | 20.1861% | 1,451 |
| Total risk-based capital ratio | 21.2526% | 1,460 |
| Memoranda: | ||
| Average total assets | $437,238,600 | 1,524 |
| Average earning assets | $385,429,600 | 1,568 |
| Average equity | $74,508,200 | 886 |
| Average total loans | $301,833,000 | 1,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 2,201 |
| Cost of funding earning assets | 1.6293% | 2,221 |
| Net interest margin | 3.9337% | 3,387 |
| Noninterest income to average assets | 0.5869% | 3,527 |
| Noninterest expense to average assets | 1.9354% | 7,157 |
| Loan and lease loss provision to assets | 0.8126% | 1,862 |
| Net operating income to assets | 0.8269% | 2,887 |
| Return on assets (ROA) | 0.8276% | 3,030 |
| Pretax return on assets | 1.3125% | 2,131 |
| Return on Equity (ROE) | 4.8338% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.8338% | 3,100 |
| Net charge-offs to loans | 1.0741% | 1,885 |
| Credit loss provision to net charge-offs | 111.2026% | 3,804 |
| Earnings coverage of net charge-offs (x) | 2.9065% | 3,676 |
| Efficiency ratio | 45.5368% | 7,402 |
| Assets per employee ($millions) | 3.8556% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 2,239 |
| Loan loss allowance to noncurrent loans | 24.2206% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 12.1353% | 264 |
| Noncurrent loans to loans | 8.2321% | 613 |
| Net loans and leases to total assets | 65.6982% | 3,753 |
| Net loans and leases to deposits | 80.0426% | 3,441 |
| Net loans and leases to core deposits | 85.5653% | 3,720 |
| Total domestic deposits to total assets | 82.0790% | 4,961 |
| Equity capital to assets | 16.6983% | 556 |
| Core capital (leverage) ratio | 16.4186% | 500 |
| Tier 1 risk-based capital ratio | 21.7493% | 1,248 |
| Total risk-based capital ratio | 22.2767% | 1,329 |
| Memoranda: | ||
| Average total assets | $443,023,750 | 1,527 |
| Average earning assets | $391,068,500 | 1,566 |
| Average equity | $75,853,250 | 870 |
| Average total loans | $301,405,500 | 1,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 1,452 |
| Cost of funding earning assets | 1.6860% | 2,193 |
| Net interest margin | 4.1022% | 2,546 |
| Noninterest income to average assets | 0.6062% | 3,294 |
| Noninterest expense to average assets | 1.9167% | 7,239 |
| Loan and lease loss provision to assets | 0.8248% | 1,757 |
| Net operating income to assets | 0.9354% | 2,415 |
| Return on assets (ROA) | 0.9366% | 2,504 |
| Pretax return on assets | 1.4855% | 1,594 |
| Return on Equity (ROE) | 5.4229% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.4229% | 2,662 |
| Net charge-offs to loans | 0.2821% | 3,928 |
| Credit loss provision to net charge-offs | 427.5534% | 852 |
| Earnings coverage of net charge-offs (x) | 11.9667% | 1,713 |
| Efficiency ratio | 43.2708% | 7,545 |
| Assets per employee ($millions) | 3.6723% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 1,504 |
| Loan loss allowance to noncurrent loans | 26.5301% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 13.0046% | 220 |
| Noncurrent loans to loans | 8.8738% | 540 |
| Net loans and leases to total assets | 68.6240% | 3,214 |
| Net loans and leases to deposits | 84.2738% | 2,826 |
| Net loans and leases to core deposits | 93.0801% | 2,836 |
| Total domestic deposits to total assets | 81.4298% | 5,224 |
| Equity capital to assets | 17.3800% | 479 |
| Core capital (leverage) ratio | 16.7014% | 473 |
| Tier 1 risk-based capital ratio | 21.5923% | 1,256 |
| Total risk-based capital ratio | 22.4481% | 1,287 |
| Memoranda: | ||
| Average total assets | $436,473,330 | 1,560 |
| Average earning assets | $385,061,670 | 1,608 |
| Average equity | $75,384,670 | 870 |
| Average total loans | $298,489,670 | 1,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 2,028 |
| Cost of funding earning assets | 1.7273% | 2,249 |
| Net interest margin | 3.9036% | 3,311 |
| Noninterest income to average assets | 0.5995% | 3,279 |
| Noninterest expense to average assets | 1.9743% | 7,206 |
| Loan and lease loss provision to assets | 0.8288% | 1,530 |
| Net operating income to assets | 0.7919% | 3,004 |
| Return on assets (ROA) | 0.7919% | 3,116 |
| Pretax return on assets | 1.2551% | 2,191 |
| Return on Equity (ROE) | 4.6000% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.6000% | 3,383 |
| Net charge-offs to loans | -0.0970% | 7,516 |
| Credit loss provision to net charge-offs | -1,267.6056% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4715% | 7,528 |
| Assets per employee ($millions) | 3.6425% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 1,565 |
| Loan loss allowance to noncurrent loans | 22.9694% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 13.4266% | 192 |
| Noncurrent loans to loans | 10.0532% | 419 |
| Net loans and leases to total assets | 66.6192% | 3,718 |
| Net loans and leases to deposits | 81.5087% | 3,366 |
| Net loans and leases to core deposits | 90.2968% | 3,327 |
| Total domestic deposits to total assets | 81.7326% | 5,183 |
| Equity capital to assets | 17.2184% | 506 |
| Core capital (leverage) ratio | 16.7055% | 479 |
| Tier 1 risk-based capital ratio | 22.0209% | 1,200 |
| Total risk-based capital ratio | 22.8336% | 1,236 |
| Memoranda: | ||
| Average total assets | $434,373,000 | 1,609 |
| Average earning assets | $384,879,500 | 1,647 |
| Average equity | $74,782,500 | 882 |
| Average total loans | $292,885,000 | 1,607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2502% | 1,119 |
| Cost of funding earning assets | 2.0242% | 2,850 |
| Net interest margin | 4.2260% | 1,987 |
| Noninterest income to average assets | 0.6787% | 3,092 |
| Noninterest expense to average assets | 2.3095% | 6,723 |
| Loan and lease loss provision to assets | 1.1249% | 2,032 |
| Net operating income to assets | 0.6354% | 3,194 |
| Return on assets (ROA) | 0.6354% | 3,250 |
| Pretax return on assets | 0.9380% | 2,802 |
| Return on Equity (ROE) | 3.4649% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.4513% | 2,752 |
| Net charge-offs to loans | 1.3665% | 1,832 |
| Credit loss provision to net charge-offs | 117.2807% | 4,624 |
| Earnings coverage of net charge-offs (x) | 2.1508% | 4,109 |
| Efficiency ratio | 50.6233% | 7,498 |
| Assets per employee ($millions) | 3.5971% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.3917% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0549% | 1,903 |
| Loan loss allowance to noncurrent loans | 27.0127% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 11.6527% | 270 |
| Noncurrent loans to loans | 7.6073% | 685 |
| Net loans and leases to total assets | 65.2809% | 4,328 |
| Net loans and leases to deposits | 79.7652% | 4,037 |
| Net loans and leases to core deposits | 107.5277% | 3,153 |
| Total domestic deposits to total assets | 81.8413% | 5,015 |
| Equity capital to assets | 17.2139% | 531 |
| Core capital (leverage) ratio | 16.7716% | 515 |
| Tier 1 risk-based capital ratio | 22.4990% | 1,091 |
| Total risk-based capital ratio | 23.0818% | 1,150 |
| Memoranda: | ||
| Average total assets | $401,819,200 | 1,711 |
| Average earning assets | $351,204,200 | 1,780 |
| Average equity | $73,682,600 | 882 |
| Average total loans | $282,032,200 | 1,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3734% | 975 |
| Cost of funding earning assets | 2.0768% | 3,004 |
| Net interest margin | 4.2966% | 1,740 |
| Noninterest income to average assets | 0.7005% | 3,013 |
| Noninterest expense to average assets | 2.1922% | 6,998 |
| Loan and lease loss provision to assets | 0.6390% | 2,839 |
| Net operating income to assets | 1.1417% | 1,604 |
| Return on assets (ROA) | 1.1417% | 1,677 |
| Pretax return on assets | 1.6080% | 1,156 |
| Return on Equity (ROE) | 6.1236% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.1236% | 1,890 |
| Net charge-offs to loans | 0.8315% | 2,301 |
| Credit loss provision to net charge-offs | 108.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | 3.7977% | 3,384 |
| Efficiency ratio | 47.1820% | 7,710 |
| Assets per employee ($millions) | 3.4842% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,017 |
| Loan loss allowance to noncurrent loans | 26.6819% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 11.0185% | 282 |
| Noncurrent loans to loans | 7.1357% | 752 |
| Net loans and leases to total assets | 66.3713% | 4,336 |
| Net loans and leases to deposits | 81.9267% | 4,034 |
| Net loans and leases to core deposits | 107.5572% | 3,526 |
| Total domestic deposits to total assets | 81.0130% | 5,076 |
| Equity capital to assets | 17.9966% | 515 |
| Core capital (leverage) ratio | 17.4299% | 506 |
| Tier 1 risk-based capital ratio | 23.2455% | 1,077 |
| Total risk-based capital ratio | 23.7017% | 1,156 |
| Memoranda: | ||
| Average total assets | $394,361,500 | 1,756 |
| Average earning assets | $343,148,000 | 1,837 |
| Average equity | $73,527,250 | 895 |
| Average total loans | $280,616,000 | 1,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5382% | 756 |
| Cost of funding earning assets | 2.1236% | 3,171 |
| Net interest margin | 4.4146% | 1,379 |
| Noninterest income to average assets | 0.6883% | 3,069 |
| Noninterest expense to average assets | 2.1664% | 7,132 |
| Loan and lease loss provision to assets | 0.6521% | 2,476 |
| Net operating income to assets | 1.1500% | 1,614 |
| Return on assets (ROA) | 1.1500% | 1,700 |
| Pretax return on assets | 1.6763% | 1,060 |
| Return on Equity (ROE) | 6.0915% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.0915% | 1,973 |
| Net charge-offs to loans | 0.8962% | 1,906 |
| Credit loss provision to net charge-offs | 100.4785% | 4,542 |
| Earnings coverage of net charge-offs (x) | 3.5877% | 3,382 |
| Efficiency ratio | 45.9758% | 7,851 |
| Assets per employee ($millions) | 3.3514% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 1,925 |
| Loan loss allowance to noncurrent loans | 28.3356% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 10.3944% | 264 |
| Noncurrent loans to loans | 6.5156% | 807 |
| Net loans and leases to total assets | 69.4283% | 3,842 |
| Net loans and leases to deposits | 86.0549% | 3,545 |
| Net loans and leases to core deposits | 111.3171% | 3,225 |
| Total domestic deposits to total assets | 80.6790% | 5,200 |
| Equity capital to assets | 18.3861% | 516 |
| Core capital (leverage) ratio | 17.6908% | 544 |
| Tier 1 risk-based capital ratio | 22.9880% | 1,134 |
| Total risk-based capital ratio | 23.4121% | 1,200 |
| Memoranda: | ||
| Average total assets | $386,446,330 | 1,811 |
| Average earning assets | $333,213,000 | 1,899 |
| Average equity | $72,954,670 | 911 |
| Average total loans | $279,858,330 | 1,773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5841% | 733 |
| Cost of funding earning assets | 2.2097% | 3,119 |
| Net interest margin | 4.3744% | 1,409 |
| Noninterest income to average assets | 0.7026% | 2,873 |
| Noninterest expense to average assets | 2.3361% | 6,416 |
| Loan and lease loss provision to assets | 0.6656% | 1,901 |
| Net operating income to assets | 0.8843% | 2,768 |
| Return on assets (ROA) | 0.8843% | 2,915 |
| Pretax return on assets | 1.3968% | 1,977 |
| Return on Equity (ROE) | 4.6204% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.6204% | 3,354 |
| Net charge-offs to loans | 0.1787% | 3,569 |
| Credit loss provision to net charge-offs | 508.0645% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.7419% | 1,591 |
| Efficiency ratio | 50.7807% | 7,531 |
| Assets per employee ($millions) | 3.2800% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 1,316 |
| Loan loss allowance to noncurrent loans | 28.8436% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 10.2269% | 216 |
| Noncurrent loans to loans | 7.1284% | 556 |
| Net loans and leases to total assets | 69.6144% | 3,775 |
| Net loans and leases to deposits | 86.3051% | 3,577 |
| Net loans and leases to core deposits | 111.5638% | 3,255 |
| Total domestic deposits to total assets | 80.6609% | 5,110 |
| Equity capital to assets | 18.5213% | 539 |
| Core capital (leverage) ratio | 18.1942% | 534 |
| Tier 1 risk-based capital ratio | 23.0852% | 1,184 |
| Total risk-based capital ratio | 23.7169% | 1,222 |
| Memoranda: | ||
| Average total assets | $378,585,000 | 1,846 |
| Average earning assets | $319,859,500 | 1,989 |
| Average equity | $72,460,500 | 924 |
| Average total loans | $277,552,000 | 1,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0656% | 980 |
| Cost of funding earning assets | 2.3930% | 4,745 |
| Net interest margin | 4.6726% | 1,022 |
| Noninterest income to average assets | 0.7834% | 2,603 |
| Noninterest expense to average assets | 2.3260% | 6,625 |
| Loan and lease loss provision to assets | 1.2172% | 1,179 |
| Net operating income to assets | 0.9539% | 2,771 |
| Return on assets (ROA) | 0.9563% | 2,629 |
| Pretax return on assets | 1.5170% | 1,631 |
| Return on Equity (ROE) | 5.0439% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.0297% | 2,007 |
| Net charge-offs to loans | 1.4409% | 809 |
| Credit loss provision to net charge-offs | 114.4304% | 4,722 |
| Earnings coverage of net charge-offs (x) | 2.5668% | 4,799 |
| Efficiency ratio | 43.9497% | 8,016 |
| Assets per employee ($millions) | 3.0297% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.2816% | 4,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 1,401 |
| Loan loss allowance to noncurrent loans | 36.5320% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 8.6352% | 247 |
| Noncurrent loans to loans | 5.2152% | 814 |
| Net loans and leases to total assets | 74.2921% | 3,034 |
| Net loans and leases to deposits | 93.5315% | 2,852 |
| Net loans and leases to core deposits | 116.7629% | 3,033 |
| Total domestic deposits to total assets | 79.4300% | 5,232 |
| Equity capital to assets | 19.8094% | 477 |
| Core capital (leverage) ratio | 18.9010% | 520 |
| Tier 1 risk-based capital ratio | 23.1231% | 1,178 |
| Total risk-based capital ratio | 23.6140% | 1,241 |
| Memoranda: | ||
| Average total assets | $371,330,600 | 1,810 |
| Average earning assets | $339,576,600 | 1,813 |
| Average equity | $70,401,400 | 945 |
| Average total loans | $274,131,200 | 1,747 |