Home > Eureka Savings Bank > Performance and Condition Ratios
Eureka Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,192 |
| Cost of funding earning assets | 0.8717% | 3,580 |
| Net interest margin | 2.9160% | 3,445 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8785% | 3,877 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8531% | 2,697 |
| Return on assets (ROA) | 0.8578% | 2,655 |
| Pretax return on assets | 1.1598% | 2,241 |
| Return on Equity (ROE) | 4.6300% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.6257% | 2,744 |
| Net charge-offs to loans | 0.0108% | 2,244 |
| Credit loss provision to net charge-offs | 416.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 189.4167% | 608 |
| Efficiency ratio | 62.4608% | 2,785 |
| Assets per employee ($millions) | 8.5719% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 1,395 |
| Loan loss allowance to noncurrent loans | 156.1716% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 1,018 |
| Noncurrent loans to loans | 0.8966% | 839 |
| Net loans and leases to total assets | 56.6100% | 3,151 |
| Net loans and leases to deposits | 74.9424% | 2,543 |
| Net loans and leases to core deposits | 77.0374% | 2,914 |
| Total domestic deposits to total assets | 75.5400% | 3,982 |
| Equity capital to assets | 19.2337% | 306 |
| Core capital (leverage) ratio | 20.8306% | 240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6268% | 155 |
| Memoranda: | ||
| Average total assets | $402,667,200 | 2,004 |
| Average earning assets | $386,589,200 | 1,960 |
| Average equity | $74,669,000 | 1,186 |
| Average total loans | $223,167,000 | 2,140 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,255 |
| Cost of funding earning assets | 0.7841% | 3,566 |
| Net interest margin | 2.8761% | 3,594 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8290% | 3,927 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.8932% | 2,706 |
| Return on assets (ROA) | 0.8961% | 2,679 |
| Pretax return on assets | 1.1756% | 2,352 |
| Return on Equity (ROE) | 4.8800% | 3,829 |
| Retained earnings to average equity (ytd only) | 4.8779% | 2,978 |
| Net charge-offs to loans | 0.0157% | 1,839 |
| Credit loss provision to net charge-offs | 384.6154% | 739 |
| Earnings coverage of net charge-offs (x) | 131.0769% | 797 |
| Efficiency ratio | 61.8408% | 2,741 |
| Assets per employee ($millions) | 8.2174% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,374 |
| Loan loss allowance to noncurrent loans | 65.3877% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 312 |
| Noncurrent loans to loans | 2.1699% | 256 |
| Net loans and leases to total assets | 57.0400% | 3,114 |
| Net loans and leases to deposits | 75.0926% | 2,489 |
| Net loans and leases to core deposits | 77.0653% | 2,796 |
| Total domestic deposits to total assets | 75.9600% | 4,013 |
| Equity capital to assets | 18.5979% | 325 |
| Core capital (leverage) ratio | 20.7073% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9507% | 153 |
| Memoranda: | ||
| Average total assets | $402,614,750 | 2,007 |
| Average earning assets | $386,352,000 | 1,962 |
| Average equity | $73,964,250 | 1,191 |
| Average total loans | $221,132,250 | 2,150 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 4,255 |
| Cost of funding earning assets | 0.7006% | 3,487 |
| Net interest margin | 2.8954% | 3,653 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.7987% | 4,003 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8527% | 2,918 |
| Return on assets (ROA) | 0.8542% | 2,909 |
| Pretax return on assets | 1.1311% | 2,561 |
| Return on Equity (ROE) | 4.6600% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.6649% | 3,038 |
| Net charge-offs to loans | 0.0046% | 2,117 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 477.6000% | 312 |
| Efficiency ratio | 60.4177% | 2,910 |
| Assets per employee ($millions) | 8.5319% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 1,337 |
| Loan loss allowance to noncurrent loans | 63.0368% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 303 |
| Noncurrent loans to loans | 2.3056% | 212 |
| Net loans and leases to total assets | 55.1100% | 3,181 |
| Net loans and leases to deposits | 72.6056% | 2,604 |
| Net loans and leases to core deposits | 74.4458% | 2,858 |
| Total domestic deposits to total assets | 75.9000% | 4,049 |
| Equity capital to assets | 18.5438% | 326 |
| Core capital (leverage) ratio | 20.7307% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0842% | 148 |
| Memoranda: | ||
| Average total assets | $405,285,333 | 1,997 |
| Average earning assets | $389,378,333 | 1,949 |
| Average equity | $74,214,333 | 1,187 |
| Average total loans | $218,771,667 | 2,160 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 4,248 |
| Cost of funding earning assets | 0.6224% | 3,315 |
| Net interest margin | 2.8872% | 3,809 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7957% | 4,033 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7968% | 3,197 |
| Return on assets (ROA) | 0.7992% | 3,146 |
| Pretax return on assets | 1.0976% | 2,713 |
| Return on Equity (ROE) | 4.3900% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.3916% | 3,156 |
| Net charge-offs to loans | -0.0037% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.0854% | 2,951 |
| Assets per employee ($millions) | 8.5811% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,240 |
| Loan loss allowance to noncurrent loans | 52.2059% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 213 |
| Noncurrent loans to loans | 2.8819% | 159 |
| Net loans and leases to total assets | 51.9100% | 3,349 |
| Net loans and leases to deposits | 67.9186% | 2,773 |
| Net loans and leases to core deposits | 69.2607% | 3,001 |
| Total domestic deposits to total assets | 76.4300% | 4,133 |
| Equity capital to assets | 17.9524% | 304 |
| Core capital (leverage) ratio | 20.4689% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2494% | 151 |
| Memoranda: | ||
| Average total assets | $407,427,500 | 2,017 |
| Average earning assets | $391,377,000 | 1,965 |
| Average equity | $74,141,000 | 1,193 |
| Average total loans | $216,040,000 | 2,198 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9564% | 4,183 |
| Cost of funding earning assets | 0.4024% | 2,079 |
| Net interest margin | 2.5540% | 4,226 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.7139% | 4,155 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.9509% | 2,768 |
| Return on assets (ROA) | 0.7547% | 3,412 |
| Pretax return on assets | 0.9638% | 3,181 |
| Return on Equity (ROE) | 4.0900% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,365 |
| Net charge-offs to loans | 0.0986% | 740 |
| Credit loss provision to net charge-offs | -147.7833% | 4,591 |
| Earnings coverage of net charge-offs (x) | 23.1724% | 1,823 |
| Efficiency ratio | 60.0679% | 3,049 |
| Assets per employee ($millions) | 8.2237% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 4,500 |
| Loan loss allowance to noncurrent loans | 44.4788% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 1,057 |
| Noncurrent loans to loans | 0.9014% | 822 |
| Net loans and leases to total assets | 53.1400% | 3,271 |
| Net loans and leases to deposits | 69.1401% | 2,656 |
| Net loans and leases to core deposits | 69.9804% | 2,871 |
| Total domestic deposits to total assets | 76.8600% | 4,186 |
| Equity capital to assets | 18.4477% | 276 |
| Core capital (leverage) ratio | 20.7111% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7179% | 155 |
| Memoranda: | ||
| Average total assets | $412,864,200 | 1,976 |
| Average earning assets | $394,163,400 | 1,932 |
| Average equity | $76,222,400 | 1,174 |
| Average total loans | $205,857,000 | 2,188 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8683% | 4,097 |
| Cost of funding earning assets | 0.3693% | 1,531 |
| Net interest margin | 2.4990% | 4,210 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.6853% | 4,174 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.8497% | 3,068 |
| Return on assets (ROA) | 0.7608% | 3,330 |
| Pretax return on assets | 0.9338% | 3,225 |
| Return on Equity (ROE) | 4.1200% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.1202% | 3,404 |
| Net charge-offs to loans | 0.1258% | 506 |
| Credit loss provision to net charge-offs | -156.2500% | 4,654 |
| Earnings coverage of net charge-offs (x) | 15.3698% | 1,846 |
| Efficiency ratio | 64.0166% | 2,553 |
| Assets per employee ($millions) | 8.0047% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4161% | 4,534 |
| Loan loss allowance to noncurrent loans | 45.0697% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 1,122 |
| Noncurrent loans to loans | 0.9232% | 848 |
| Net loans and leases to total assets | 52.2000% | 3,259 |
| Net loans and leases to deposits | 66.4679% | 2,680 |
| Net loans and leases to core deposits | 66.9369% | 2,883 |
| Total domestic deposits to total assets | 78.5400% | 4,217 |
| Equity capital to assets | 17.9118% | 277 |
| Core capital (leverage) ratio | 20.3706% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6263% | 158 |
| Memoranda: | ||
| Average total assets | $415,340,000 | 1,980 |
| Average earning assets | $396,049,250 | 1,942 |
| Average equity | $76,693,750 | 1,183 |
| Average total loans | $203,571,250 | 2,204 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7560% | 4,055 |
| Cost of funding earning assets | 0.3465% | 1,299 |
| Net interest margin | 2.4095% | 4,215 |
| Noninterest income to average assets | 0.2003% | 3,995 |
| Noninterest expense to average assets | 1.6419% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7085% | 3,283 |
| Return on assets (ROA) | 0.7008% | 3,262 |
| Pretax return on assets | 0.8616% | 3,170 |
| Return on Equity (ROE) | 3.7595% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.7595% | 3,177 |
| Net charge-offs to loans | 0.1568% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.5886% | 1,727 |
| Efficiency ratio | 65.3351% | 2,603 |
| Assets per employee ($millions) | 7.9616% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 4,468 |
| Loan loss allowance to noncurrent loans | 56.0297% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 1,094 |
| Noncurrent loans to loans | 1.0611% | 782 |
| Net loans and leases to total assets | 48.7858% | 3,483 |
| Net loans and leases to deposits | 61.9038% | 2,893 |
| Net loans and leases to core deposits | 62.1629% | 3,103 |
| Total domestic deposits to total assets | 78.8090% | 4,306 |
| Equity capital to assets | 17.5482% | 249 |
| Core capital (leverage) ratio | 19.3820% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3552% | 117 |
| Memoranda: | ||
| Average total assets | $420,375,333 | 1,977 |
| Average earning assets | $403,485,667 | 1,932 |
| Average equity | $78,362,000 | 1,188 |
| Average total loans | $201,494,000 | 2,223 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6537% | 4,026 |
| Cost of funding earning assets | 0.3405% | 1,281 |
| Net interest margin | 2.3133% | 4,215 |
| Noninterest income to average assets | 0.1842% | 4,056 |
| Noninterest expense to average assets | 1.5847% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6777% | 3,132 |
| Return on assets (ROA) | 0.6762% | 3,125 |
| Pretax return on assets | 0.8433% | 2,965 |
| Return on Equity (ROE) | 3.5263% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.5263% | 3,109 |
| Net charge-offs to loans | 0.2871% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.2153% | 1,579 |
| Efficiency ratio | 65.2157% | 2,874 |
| Assets per employee ($millions) | 8.5164% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 4,501 |
| Loan loss allowance to noncurrent loans | 50.7903% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 1,061 |
| Noncurrent loans to loans | 1.2068% | 735 |
| Net loans and leases to total assets | 46.4950% | 3,534 |
| Net loans and leases to deposits | 59.7207% | 2,927 |
| Net loans and leases to core deposits | 59.9666% | 3,146 |
| Total domestic deposits to total assets | 77.8540% | 4,414 |
| Equity capital to assets | 18.4618% | 212 |
| Core capital (leverage) ratio | 18.8960% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3165% | 97 |
| Memoranda: | ||
| Average total assets | $423,562,000 | 1,969 |
| Average earning assets | $411,193,000 | 1,916 |
| Average equity | $81,218,000 | 1,181 |
| Average total loans | $200,650,000 | 2,226 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7301% | 4,283 |
| Cost of funding earning assets | 0.3946% | 1,582 |
| Net interest margin | 2.3355% | 4,385 |
| Noninterest income to average assets | 0.1753% | 4,281 |
| Noninterest expense to average assets | 1.7638% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5630% | 3,951 |
| Return on assets (ROA) | 0.5474% | 4,034 |
| Pretax return on assets | 0.6659% | 4,002 |
| Return on Equity (ROE) | 2.6349% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.6349% | 3,785 |
| Net charge-offs to loans | -0.0054% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0313% | 1,508 |
| Assets per employee ($millions) | 8.1020% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 4,465 |
| Loan loss allowance to noncurrent loans | 47.6456% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 940 |
| Noncurrent loans to loans | 1.4186% | 655 |
| Net loans and leases to total assets | 47.6445% | 3,526 |
| Net loans and leases to deposits | 62.6817% | 2,813 |
| Net loans and leases to core deposits | 62.9484% | 3,081 |
| Total domestic deposits to total assets | 76.0102% | 4,510 |
| Equity capital to assets | 19.8958% | 182 |
| Core capital (leverage) ratio | 19.1477% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7406% | 106 |
| Memoranda: | ||
| Average total assets | $401,690,600 | 1,983 |
| Average earning assets | $391,008,600 | 1,934 |
| Average equity | $83,455,400 | 1,164 |
| Average total loans | $185,423,800 | 2,339 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6869% | 4,419 |
| Cost of funding earning assets | 0.4073% | 1,645 |
| Net interest margin | 2.2796% | 4,504 |
| Noninterest income to average assets | 0.1754% | 4,329 |
| Noninterest expense to average assets | 1.7688% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5199% | 4,165 |
| Return on assets (ROA) | 0.4987% | 4,255 |
| Pretax return on assets | 0.6005% | 4,234 |
| Return on Equity (ROE) | 2.3735% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.3735% | 4,090 |
| Net charge-offs to loans | -0.0044% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8600% | 1,225 |
| Assets per employee ($millions) | 8.1916% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 4,501 |
| Loan loss allowance to noncurrent loans | 46.3921% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 1,060 |
| Noncurrent loans to loans | 1.5099% | 695 |
| Net loans and leases to total assets | 46.2508% | 3,770 |
| Net loans and leases to deposits | 61.3138% | 3,110 |
| Net loans and leases to core deposits | 61.5815% | 3,356 |
| Total domestic deposits to total assets | 75.4330% | 4,578 |
| Equity capital to assets | 20.1519% | 187 |
| Core capital (leverage) ratio | 19.0816% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0864% | 106 |
| Memoranda: | ||
| Average total assets | $396,787,250 | 2,019 |
| Average earning assets | $386,312,500 | 1,966 |
| Average equity | $83,363,750 | 1,186 |
| Average total loans | $181,256,250 | 2,415 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6205% | 4,530 |
| Cost of funding earning assets | 0.4299% | 1,659 |
| Net interest margin | 2.1906% | 4,608 |
| Noninterest income to average assets | 0.1642% | 4,378 |
| Noninterest expense to average assets | 1.8400% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3991% | 4,382 |
| Return on assets (ROA) | 0.3782% | 4,464 |
| Pretax return on assets | 0.4336% | 4,471 |
| Return on Equity (ROE) | 1.7740% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.7740% | 4,171 |
| Net charge-offs to loans | -0.0045% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0804% | 771 |
| Assets per employee ($millions) | 8.1806% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,510 |
| Loan loss allowance to noncurrent loans | 48.6932% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 1,204 |
| Noncurrent loans to loans | 1.4679% | 778 |
| Net loans and leases to total assets | 45.2806% | 3,957 |
| Net loans and leases to deposits | 60.1359% | 3,382 |
| Net loans and leases to core deposits | 60.4917% | 3,583 |
| Total domestic deposits to total assets | 75.2971% | 4,601 |
| Equity capital to assets | 19.9628% | 191 |
| Core capital (leverage) ratio | 18.9748% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,792,333 | 2,039 |
| Average earning assets | $379,625,000 | 1,978 |
| Average equity | $83,088,667 | 1,183 |
| Average total loans | $176,813,000 | 2,459 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6788% | 4,502 |
| Cost of funding earning assets | 0.4536% | 1,693 |
| Net interest margin | 2.2253% | 4,594 |
| Noninterest income to average assets | 0.1627% | 4,384 |
| Noninterest expense to average assets | 1.5869% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6101% | 3,912 |
| Return on assets (ROA) | 0.5988% | 4,011 |
| Pretax return on assets | 0.7328% | 3,950 |
| Return on Equity (ROE) | 2.7136% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.7136% | 3,866 |
| Net charge-offs to loans | -0.0024% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0036% | 1,933 |
| Assets per employee ($millions) | 7.8560% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 4,430 |
| Loan loss allowance to noncurrent loans | 43.1522% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 1,081 |
| Noncurrent loans to loans | 1.8236% | 628 |
| Net loans and leases to total assets | 44.4781% | 4,083 |
| Net loans and leases to deposits | 60.4001% | 3,451 |
| Net loans and leases to core deposits | 60.9150% | 3,647 |
| Total domestic deposits to total assets | 73.6391% | 4,684 |
| Equity capital to assets | 21.4741% | 137 |
| Core capital (leverage) ratio | 21.0523% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,083,500 | 2,077 |
| Average earning assets | $366,878,500 | 2,017 |
| Average equity | $82,989,500 | 1,174 |
| Average total loans | $170,082,000 | 2,514 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8653% | 4,720 |
| Cost of funding earning assets | 0.5295% | 2,752 |
| Net interest margin | 2.3358% | 4,698 |
| Noninterest income to average assets | 0.1522% | 4,532 |
| Noninterest expense to average assets | 1.8492% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4796% | 4,075 |
| Return on assets (ROA) | 0.5618% | 3,969 |
| Pretax return on assets | 0.6777% | 3,932 |
| Return on Equity (ROE) | 2.4440% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.4440% | 3,636 |
| Net charge-offs to loans | 0.0796% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 17.3248% | 2,081 |
| Efficiency ratio | 76.1670% | 1,205 |
| Assets per employee ($millions) | 7.8133% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 4,406 |
| Loan loss allowance to noncurrent loans | 34.0442% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 845 |
| Noncurrent loans to loans | 2.3784% | 440 |
| Net loans and leases to total assets | 45.2676% | 4,174 |
| Net loans and leases to deposits | 63.0749% | 3,515 |
| Net loans and leases to core deposits | 63.6524% | 3,717 |
| Total domestic deposits to total assets | 71.7680% | 4,720 |
| Equity capital to assets | 22.6880% | 121 |
| Core capital (leverage) ratio | 21.6333% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.2298% | 76 |
| Memoranda: | ||
| Average total assets | $350,304,600 | 2,050 |
| Average earning assets | $341,295,000 | 1,977 |
| Average equity | $80,524,400 | 1,151 |
| Average total loans | $146,955,800 | 2,688 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9200% | 4,786 |
| Cost of funding earning assets | 0.5422% | 2,977 |
| Net interest margin | 2.3778% | 4,742 |
| Noninterest income to average assets | 0.1518% | 4,541 |
| Noninterest expense to average assets | 1.7880% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5539% | 3,900 |
| Return on assets (ROA) | 0.6272% | 3,796 |
| Pretax return on assets | 0.7705% | 3,725 |
| Return on Equity (ROE) | 2.7192% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.7192% | 3,639 |
| Net charge-offs to loans | 0.1034% | 1,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 16.0455% | 2,072 |
| Efficiency ratio | 72.4477% | 1,586 |
| Assets per employee ($millions) | 7.3538% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,196 |
| Loan loss allowance to noncurrent loans | 28.9692% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 716 |
| Noncurrent loans to loans | 2.9698% | 314 |
| Net loans and leases to total assets | 43.5882% | 4,436 |
| Net loans and leases to deposits | 61.0111% | 3,991 |
| Net loans and leases to core deposits | 61.8862% | 4,119 |
| Total domestic deposits to total assets | 71.4430% | 4,704 |
| Equity capital to assets | 23.0071% | 124 |
| Core capital (leverage) ratio | 21.6624% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.6790% | 74 |
| Memoranda: | ||
| Average total assets | $346,074,500 | 2,045 |
| Average earning assets | $337,113,000 | 1,969 |
| Average equity | $79,826,500 | 1,152 |
| Average total loans | $141,797,000 | 2,738 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 4,849 |
| Cost of funding earning assets | 0.5446% | 3,268 |
| Net interest margin | 2.4372% | 4,773 |
| Noninterest income to average assets | 0.1318% | 4,645 |
| Noninterest expense to average assets | 1.7837% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5771% | 3,810 |
| Return on assets (ROA) | 0.6867% | 3,541 |
| Pretax return on assets | 0.8584% | 3,431 |
| Return on Equity (ROE) | 2.9746% | 4,360 |
| Retained earnings to average equity (ytd only) | 2.9746% | 3,400 |
| Net charge-offs to loans | 0.1101% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 16.4133% | 1,862 |
| Efficiency ratio | 71.2047% | 1,798 |
| Assets per employee ($millions) | 7.3222% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,795 |
| Loan loss allowance to noncurrent loans | 26.0440% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 624 |
| Noncurrent loans to loans | 3.6536% | 207 |
| Net loans and leases to total assets | 40.5299% | 4,587 |
| Net loans and leases to deposits | 56.9584% | 4,264 |
| Net loans and leases to core deposits | 57.5397% | 4,374 |
| Total domestic deposits to total assets | 71.1570% | 4,746 |
| Equity capital to assets | 22.8788% | 128 |
| Core capital (leverage) ratio | 21.7992% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.4499% | 60 |
| Memoranda: | ||
| Average total assets | $341,320,667 | 2,041 |
| Average earning assets | $332,355,000 | 1,971 |
| Average equity | $78,801,000 | 1,154 |
| Average total loans | $136,253,667 | 2,791 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9609% | 4,965 |
| Cost of funding earning assets | 0.5405% | 3,740 |
| Net interest margin | 2.4204% | 4,865 |
| Noninterest income to average assets | 0.1503% | 4,618 |
| Noninterest expense to average assets | 1.8125% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5761% | 3,671 |
| Return on assets (ROA) | 0.5761% | 3,733 |
| Pretax return on assets | 0.6915% | 3,708 |
| Return on Equity (ROE) | 2.4832% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.4832% | 3,270 |
| Net charge-offs to loans | 0.1527% | 847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,729 |
| Efficiency ratio | 72.3823% | 2,024 |
| Assets per employee ($millions) | 6.7836% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,358 |
| Loan loss allowance to noncurrent loans | 26.2595% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 668 |
| Noncurrent loans to loans | 4.0656% | 188 |
| Net loans and leases to total assets | 38.1157% | 4,726 |
| Net loans and leases to deposits | 54.2922% | 4,431 |
| Net loans and leases to core deposits | 54.8739% | 4,537 |
| Total domestic deposits to total assets | 70.2048% | 4,846 |
| Equity capital to assets | 22.2176% | 168 |
| Core capital (leverage) ratio | 23.9404% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.0525% | 60 |
| Memoranda: | ||
| Average total assets | $332,587,500 | 2,029 |
| Average earning assets | $323,420,500 | 1,961 |
| Average equity | $77,158,500 | 1,175 |
| Average total loans | $130,974,000 | 2,822 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 5,023 |
| Cost of funding earning assets | 0.5432% | 3,908 |
| Net interest margin | 2.5831% | 4,919 |
| Noninterest income to average assets | 0.1625% | 4,679 |
| Noninterest expense to average assets | 2.3182% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2990% | 4,749 |
| Return on assets (ROA) | 0.3426% | 4,720 |
| Pretax return on assets | 0.4071% | 4,699 |
| Return on Equity (ROE) | 1.4462% | 4,870 |
| Retained earnings to average equity (ytd only) | 1.4462% | 4,224 |
| Net charge-offs to loans | 0.0175% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 51.5455% | 1,105 |
| Efficiency ratio | 86.7151% | 498 |
| Assets per employee ($millions) | 6.3842% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 2,723 |
| Loan loss allowance to noncurrent loans | 29.4306% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.5679% | 628 |
| Noncurrent loans to loans | 3.8902% | 187 |
| Net loans and leases to total assets | 39.8437% | 4,737 |
| Net loans and leases to deposits | 52.8208% | 4,574 |
| Net loans and leases to core deposits | 53.3908% | 4,665 |
| Total domestic deposits to total assets | 75.4318% | 4,662 |
| Equity capital to assets | 24.2637% | 130 |
| Core capital (leverage) ratio | 24.1784% | 134 |
| Tier 1 risk-based capital ratio | 64.5169% | 80 |
| Total risk-based capital ratio | 65.7581% | 79 |
| Memoranda: | ||
| Average total assets | $319,292,800 | 2,046 |
| Average earning assets | $310,364,800 | 1,966 |
| Average equity | $75,646,600 | 1,140 |
| Average total loans | $125,964,200 | 2,867 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1581% | 5,104 |
| Cost of funding earning assets | 0.5359% | 3,996 |
| Net interest margin | 2.6221% | 4,988 |
| Noninterest income to average assets | 0.1645% | 4,730 |
| Noninterest expense to average assets | 2.3763% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3007% | 4,842 |
| Return on assets (ROA) | 0.3624% | 4,802 |
| Pretax return on assets | 0.4050% | 4,809 |
| Return on Equity (ROE) | 1.5391% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.5391% | 4,418 |
| Net charge-offs to loans | 0.0245% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.9517% | 1,481 |
| Efficiency ratio | 87.6212% | 417 |
| Assets per employee ($millions) | 6.1966% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,691 |
| Loan loss allowance to noncurrent loans | 28.3295% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6442% | 628 |
| Noncurrent loans to loans | 4.1119% | 163 |
| Net loans and leases to total assets | 39.5195% | 4,828 |
| Net loans and leases to deposits | 52.4584% | 4,690 |
| Net loans and leases to core deposits | 53.0347% | 4,775 |
| Total domestic deposits to total assets | 75.3349% | 4,711 |
| Equity capital to assets | 24.4171% | 136 |
| Core capital (leverage) ratio | 23.9929% | 139 |
| Tier 1 risk-based capital ratio | 72.7342% | 69 |
| Total risk-based capital ratio | 73.9861% | 69 |
| Memoranda: | ||
| Average total assets | $319,313,500 | 2,052 |
| Average earning assets | $310,222,250 | 1,970 |
| Average equity | $75,195,250 | 1,143 |
| Average total loans | $125,290,750 | 2,908 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1524% | 5,167 |
| Cost of funding earning assets | 0.5188% | 4,040 |
| Net interest margin | 2.6337% | 5,048 |
| Noninterest income to average assets | 0.1829% | 4,652 |
| Noninterest expense to average assets | 2.3626% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3309% | 4,832 |
| Return on assets (ROA) | 0.3951% | 4,762 |
| Pretax return on assets | 0.4507% | 4,763 |
| Return on Equity (ROE) | 1.6984% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.6984% | 4,211 |
| Net charge-offs to loans | 0.0384% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 25.2083% | 1,603 |
| Efficiency ratio | 86.2187% | 539 |
| Assets per employee ($millions) | 6.3180% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 2,633 |
| Loan loss allowance to noncurrent loans | 36.9134% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 1,056 |
| Noncurrent loans to loans | 3.1921% | 303 |
| Net loans and leases to total assets | 38.2874% | 4,902 |
| Net loans and leases to deposits | 50.4298% | 4,788 |
| Net loans and leases to core deposits | 50.9709% | 4,843 |
| Total domestic deposits to total assets | 75.9222% | 4,681 |
| Equity capital to assets | 23.7237% | 143 |
| Core capital (leverage) ratio | 23.8381% | 137 |
| Tier 1 risk-based capital ratio | 65.2657% | 79 |
| Total risk-based capital ratio | 66.5152% | 79 |
| Memoranda: | ||
| Average total assets | $320,408,330 | 2,044 |
| Average earning assets | $311,126,670 | 1,977 |
| Average equity | $74,538,670 | 1,144 |
| Average total loans | $124,932,670 | 2,926 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 5,210 |
| Cost of funding earning assets | 0.5020% | 4,054 |
| Net interest margin | 2.6933% | 5,068 |
| Noninterest income to average assets | 0.2003% | 4,559 |
| Noninterest expense to average assets | 2.3549% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3941% | 4,747 |
| Return on assets (ROA) | 0.4695% | 4,622 |
| Pretax return on assets | 0.5458% | 4,601 |
| Return on Equity (ROE) | 2.0384% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.0384% | 4,054 |
| Net charge-offs to loans | 0.0192% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 904 |
| Efficiency ratio | 83.7116% | 732 |
| Assets per employee ($millions) | 6.1686% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,608 |
| Loan loss allowance to noncurrent loans | 39.1739% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 1,134 |
| Noncurrent loans to loans | 3.0502% | 350 |
| Net loans and leases to total assets | 38.3851% | 4,943 |
| Net loans and leases to deposits | 50.1311% | 4,812 |
| Net loans and leases to core deposits | 50.6706% | 4,871 |
| Total domestic deposits to total assets | 76.5694% | 4,700 |
| Equity capital to assets | 23.2040% | 140 |
| Core capital (leverage) ratio | 23.9740% | 131 |
| Tier 1 risk-based capital ratio | 65.5674% | 74 |
| Total risk-based capital ratio | 66.8174% | 72 |
| Memoranda: | ||
| Average total assets | $319,503,500 | 2,062 |
| Average earning assets | $309,955,500 | 1,996 |
| Average equity | $73,587,000 | 1,155 |
| Average total loans | $124,979,000 | 2,962 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9921% | 5,236 |
| Cost of funding earning assets | 0.4569% | 3,633 |
| Net interest margin | 2.5353% | 5,198 |
| Noninterest income to average assets | 0.1609% | 4,917 |
| Noninterest expense to average assets | 2.1450% | 4,459 |
| Loan and lease loss provision to assets | 0.0151% | 3,846 |
| Net operating income to assets | 0.2104% | 5,096 |
| Return on assets (ROA) | 0.2384% | 5,072 |
| Pretax return on assets | 0.4937% | 4,808 |
| Return on Equity (ROE) | 1.0954% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.0954% | 4,680 |
| Net charge-offs to loans | 0.3691% | 519 |
| Credit loss provision to net charge-offs | 10.7991% | 3,427 |
| Earnings coverage of net charge-offs (x) | 3.3801% | 3,418 |
| Efficiency ratio | 81.9201% | 812 |
| Assets per employee ($millions) | 6.1200% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,607 |
| Loan loss allowance to noncurrent loans | 26.9321% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 595 |
| Noncurrent loans to loans | 4.4287% | 147 |
| Net loans and leases to total assets | 38.9163% | 4,984 |
| Net loans and leases to deposits | 50.6064% | 4,867 |
| Net loans and leases to core deposits | 51.1519% | 4,913 |
| Total domestic deposits to total assets | 76.9001% | 4,645 |
| Equity capital to assets | 22.8580% | 149 |
| Core capital (leverage) ratio | 23.7682% | 132 |
| Tier 1 risk-based capital ratio | 66.6667% | 73 |
| Total risk-based capital ratio | 67.9377% | 73 |
| Memoranda: | ||
| Average total assets | $330,583,600 | 1,989 |
| Average earning assets | $320,439,600 | 1,922 |
| Average equity | $71,937,800 | 1,134 |
| Average total loans | $125,446,800 | 2,935 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9660% | 5,300 |
| Cost of funding earning assets | 0.4489% | 3,529 |
| Net interest margin | 2.5171% | 5,274 |
| Noninterest income to average assets | 0.1510% | 5,020 |
| Noninterest expense to average assets | 2.1042% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1709% | 5,214 |
| Return on assets (ROA) | 0.2078% | 5,185 |
| Pretax return on assets | 0.5334% | 4,851 |
| Return on Equity (ROE) | 0.9665% | 5,238 |
| Retained earnings to average equity (ytd only) | 0.9665% | 4,861 |
| Net charge-offs to loans | 0.4208% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.0757% | 3,195 |
| Efficiency ratio | 81.2153% | 842 |
| Assets per employee ($millions) | 6.2087% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,544 |
| Loan loss allowance to noncurrent loans | 31.5394% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 858 |
| Noncurrent loans to loans | 3.8488% | 229 |
| Net loans and leases to total assets | 38.1121% | 5,079 |
| Net loans and leases to deposits | 49.3293% | 4,970 |
| Net loans and leases to core deposits | 49.9063% | 5,025 |
| Total domestic deposits to total assets | 77.2605% | 4,605 |
| Equity capital to assets | 22.1342% | 160 |
| Core capital (leverage) ratio | 23.0309% | 138 |
| Tier 1 risk-based capital ratio | 64.3805% | 77 |
| Total risk-based capital ratio | 65.6303% | 77 |
| Memoranda: | ||
| Average total assets | $333,669,750 | 1,978 |
| Average earning assets | $323,437,500 | 1,925 |
| Average equity | $71,736,500 | 1,137 |
| Average total loans | $125,473,000 | 2,961 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 5,355 |
| Cost of funding earning assets | 0.4414% | 3,416 |
| Net interest margin | 2.4932% | 5,349 |
| Noninterest income to average assets | 0.1548% | 5,049 |
| Noninterest expense to average assets | 2.1342% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0190% | 5,332 |
| Return on assets (ROA) | 0.0368% | 5,318 |
| Pretax return on assets | 0.4613% | 4,966 |
| Return on Equity (ROE) | 0.1726% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.1726% | 4,924 |
| Net charge-offs to loans | 0.2481% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.7436% | 2,771 |
| Efficiency ratio | 82.9454% | 766 |
| Assets per employee ($millions) | 6.5230% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,762 |
| Loan loss allowance to noncurrent loans | 31.1855% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 730 |
| Noncurrent loans to loans | 4.4774% | 173 |
| Net loans and leases to total assets | 37.1904% | 5,146 |
| Net loans and leases to deposits | 47.4556% | 5,046 |
| Net loans and leases to core deposits | 47.9855% | 5,098 |
| Total domestic deposits to total assets | 78.3688% | 4,528 |
| Equity capital to assets | 21.5002% | 174 |
| Core capital (leverage) ratio | 22.1549% | 161 |
| Tier 1 risk-based capital ratio | 62.4186% | 83 |
| Total risk-based capital ratio | 63.6995% | 83 |
| Memoranda: | ||
| Average total assets | $337,275,330 | 1,975 |
| Average earning assets | $327,129,670 | 1,919 |
| Average equity | $71,828,330 | 1,132 |
| Average total loans | $125,778,000 | 2,971 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 5,413 |
| Cost of funding earning assets | 0.4335% | 3,342 |
| Net interest margin | 2.4761% | 5,408 |
| Noninterest income to average assets | 0.1472% | 5,128 |
| Noninterest expense to average assets | 2.3747% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.6820% | 5,517 |
| Return on assets (ROA) | -0.6820% | 5,514 |
| Pretax return on assets | 0.1743% | 5,280 |
| Return on Equity (ROE) | -3.2176% | 5,470 |
| Retained earnings to average equity (ytd only) | -3.2176% | 5,094 |
| Net charge-offs to loans | 0.3589% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.3097% | 2,571 |
| Efficiency ratio | 93.1608% | 328 |
| Assets per employee ($millions) | 6.6382% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,690 |
| Loan loss allowance to noncurrent loans | 34.0413% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 862 |
| Noncurrent loans to loans | 4.2285% | 221 |
| Net loans and leases to total assets | 36.3043% | 5,197 |
| Net loans and leases to deposits | 46.3599% | 5,089 |
| Net loans and leases to core deposits | 46.9193% | 5,126 |
| Total domestic deposits to total assets | 78.3097% | 4,685 |
| Equity capital to assets | 21.0065% | 180 |
| Core capital (leverage) ratio | 21.8287% | 157 |
| Tier 1 risk-based capital ratio | 61.0820% | 85 |
| Total risk-based capital ratio | 62.3587% | 82 |
| Memoranda: | ||
| Average total assets | $339,577,000 | 1,979 |
| Average earning assets | $329,384,500 | 1,925 |
| Average equity | $71,980,000 | 1,136 |
| Average total loans | $125,930,000 | 2,990 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8923% | 5,416 |
| Cost of funding earning assets | 0.4275% | 2,977 |
| Net interest margin | 2.4649% | 5,429 |
| Noninterest income to average assets | 0.1252% | 5,318 |
| Noninterest expense to average assets | 1.8743% | 5,153 |
| Loan and lease loss provision to assets | 0.1435% | 1,583 |
| Net operating income to assets | 0.3525% | 4,824 |
| Return on assets (ROA) | 0.3519% | 4,848 |
| Pretax return on assets | 0.4951% | 4,939 |
| Return on Equity (ROE) | 1.6711% | 5,117 |
| Retained earnings to average equity (ytd only) | 1.6711% | 4,302 |
| Net charge-offs to loans | 0.6364% | 349 |
| Credit loss provision to net charge-offs | 60.5134% | 3,206 |
| Earnings coverage of net charge-offs (x) | 2.6968% | 3,718 |
| Efficiency ratio | 74.5618% | 1,819 |
| Assets per employee ($millions) | 6.9512% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,409 |
| Loan loss allowance to noncurrent loans | 28.9661% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 590 |
| Noncurrent loans to loans | 5.1802% | 125 |
| Net loans and leases to total assets | 36.7726% | 5,263 |
| Net loans and leases to deposits | 47.5393% | 5,140 |
| Net loans and leases to core deposits | 48.0194% | 5,189 |
| Total domestic deposits to total assets | 77.3519% | 4,818 |
| Equity capital to assets | 21.3862% | 168 |
| Core capital (leverage) ratio | 21.7219% | 153 |
| Tier 1 risk-based capital ratio | 61.0935% | 80 |
| Total risk-based capital ratio | 62.3917% | 80 |
| Memoranda: | ||
| Average total assets | $344,987,800 | 1,941 |
| Average earning assets | $334,296,000 | 1,871 |
| Average equity | $72,647,800 | 1,093 |
| Average total loans | $128,536,800 | 2,935 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9066% | 5,477 |
| Cost of funding earning assets | 0.4235% | 2,948 |
| Net interest margin | 2.4831% | 5,482 |
| Noninterest income to average assets | 0.1321% | 5,346 |
| Noninterest expense to average assets | 1.8531% | 5,198 |
| Loan and lease loss provision to assets | 0.1907% | 1,016 |
| Net operating income to assets | 0.3406% | 5,135 |
| Return on assets (ROA) | 0.3398% | 5,165 |
| Pretax return on assets | 0.4927% | 5,043 |
| Return on Equity (ROE) | 1.6198% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.6198% | 4,777 |
| Net charge-offs to loans | 0.8390% | 214 |
| Credit loss provision to net charge-offs | 61.0358% | 2,796 |
| Earnings coverage of net charge-offs (x) | 2.1911% | 3,494 |
| Efficiency ratio | 73.0226% | 2,040 |
| Assets per employee ($millions) | 6.8695% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,577 |
| Loan loss allowance to noncurrent loans | 35.4171% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 923 |
| Noncurrent loans to loans | 4.2033% | 224 |
| Net loans and leases to total assets | 36.8940% | 5,313 |
| Net loans and leases to deposits | 47.6651% | 5,198 |
| Net loans and leases to core deposits | 48.2412% | 5,252 |
| Total domestic deposits to total assets | 77.4026% | 4,816 |
| Equity capital to assets | 21.3277% | 176 |
| Core capital (leverage) ratio | 21.5327% | 156 |
| Tier 1 risk-based capital ratio | 55.6979% | 100 |
| Total risk-based capital ratio | 56.9968% | 97 |
| Memoranda: | ||
| Average total assets | $346,083,000 | 1,944 |
| Average earning assets | $335,276,250 | 1,876 |
| Average equity | $72,599,000 | 1,104 |
| Average total loans | $128,881,500 | 2,953 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8952% | 5,512 |
| Cost of funding earning assets | 0.4186% | 2,904 |
| Net interest margin | 2.4765% | 5,521 |
| Noninterest income to average assets | 0.1435% | 5,341 |
| Noninterest expense to average assets | 1.8279% | 5,278 |
| Loan and lease loss provision to assets | 0.1585% | 1,259 |
| Net operating income to assets | 0.3862% | 5,008 |
| Return on assets (ROA) | 0.3862% | 5,034 |
| Pretax return on assets | 0.5545% | 4,895 |
| Return on Equity (ROE) | 1.8513% | 5,361 |
| Retained earnings to average equity (ytd only) | 1.8513% | 4,505 |
| Net charge-offs to loans | 0.8964% | 217 |
| Credit loss provision to net charge-offs | 47.5779% | 2,588 |
| Earnings coverage of net charge-offs (x) | 2.1401% | 3,200 |
| Efficiency ratio | 71.9374% | 2,346 |
| Assets per employee ($millions) | 7.0787% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,564 |
| Loan loss allowance to noncurrent loans | 33.2988% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 802 |
| Noncurrent loans to loans | 4.5164% | 181 |
| Net loans and leases to total assets | 36.4045% | 5,365 |
| Net loans and leases to deposits | 46.4239% | 5,271 |
| Net loans and leases to core deposits | 47.0243% | 5,315 |
| Total domestic deposits to total assets | 78.4177% | 4,744 |
| Equity capital to assets | 21.0651% | 179 |
| Core capital (leverage) ratio | 21.3396% | 155 |
| Tier 1 risk-based capital ratio | 58.2292% | 89 |
| Total risk-based capital ratio | 59.5207% | 89 |
| Memoranda: | ||
| Average total assets | $346,953,000 | 1,939 |
| Average earning assets | $335,871,330 | 1,877 |
| Average equity | $72,380,330 | 1,107 |
| Average total loans | $128,963,330 | 2,960 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9039% | 5,537 |
| Cost of funding earning assets | 0.4160% | 2,848 |
| Net interest margin | 2.4878% | 5,559 |
| Noninterest income to average assets | 0.1095% | 5,560 |
| Noninterest expense to average assets | 1.7694% | 5,417 |
| Loan and lease loss provision to assets | 0.2478% | 609 |
| Net operating income to assets | 0.3447% | 5,089 |
| Return on assets (ROA) | 0.3447% | 5,106 |
| Pretax return on assets | 0.4980% | 4,974 |
| Return on Equity (ROE) | 1.6602% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.6602% | 4,442 |
| Net charge-offs to loans | 1.1906% | 151 |
| Credit loss provision to net charge-offs | 55.8442% | 1,938 |
| Earnings coverage of net charge-offs (x) | 1.6805% | 2,698 |
| Efficiency ratio | 70.3483% | 2,837 |
| Assets per employee ($millions) | 7.2782% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,368 |
| Loan loss allowance to noncurrent loans | 35.7750% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.7850% | 803 |
| Noncurrent loans to loans | 4.4860% | 204 |
| Net loans and leases to total assets | 36.1703% | 5,392 |
| Net loans and leases to deposits | 45.7048% | 5,310 |
| Net loans and leases to core deposits | 46.2854% | 5,362 |
| Total domestic deposits to total assets | 79.1389% | 4,799 |
| Equity capital to assets | 20.6917% | 186 |
| Core capital (leverage) ratio | 20.7578% | 178 |
| Tier 1 risk-based capital ratio | 53.8969% | 107 |
| Total risk-based capital ratio | 55.1916% | 106 |
| Memoranda: | ||
| Average total assets | $347,000,500 | 1,952 |
| Average earning assets | $335,554,000 | 1,886 |
| Average equity | $72,037,500 | 1,107 |
| Average total loans | $129,345,000 | 2,970 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8401% | 5,621 |
| Cost of funding earning assets | 0.4221% | 2,789 |
| Net interest margin | 2.4180% | 5,635 |
| Noninterest income to average assets | 0.1396% | 5,490 |
| Noninterest expense to average assets | 1.7982% | 5,474 |
| Loan and lease loss provision to assets | 0.0598% | 3,185 |
| Net operating income to assets | 0.4524% | 4,790 |
| Return on assets (ROA) | 0.4447% | 4,895 |
| Pretax return on assets | 0.6062% | 4,770 |
| Return on Equity (ROE) | 2.1671% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.1671% | 4,300 |
| Net charge-offs to loans | 0.3758% | 720 |
| Credit loss provision to net charge-offs | 42.0000% | 3,479 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 3,453 |
| Efficiency ratio | 72.6603% | 2,482 |
| Assets per employee ($millions) | 7.1802% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 1,116 |
| Loan loss allowance to noncurrent loans | 29.5967% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 570 |
| Noncurrent loans to loans | 5.7866% | 113 |
| Net loans and leases to total assets | 37.1498% | 5,440 |
| Net loans and leases to deposits | 46.9978% | 5,334 |
| Net loans and leases to core deposits | 47.6029% | 5,384 |
| Total domestic deposits to total assets | 79.0459% | 4,786 |
| Equity capital to assets | 20.8294% | 184 |
| Core capital (leverage) ratio | 20.3578% | 187 |
| Tier 1 risk-based capital ratio | 57.4261% | 98 |
| Total risk-based capital ratio | 58.7516% | 96 |
| Memoranda: | ||
| Average total assets | $351,011,400 | 1,899 |
| Average earning assets | $338,999,600 | 1,832 |
| Average equity | $72,030,200 | 1,095 |
| Average total loans | $133,049,400 | 2,877 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8759% | 5,670 |
| Cost of funding earning assets | 0.4215% | 2,829 |
| Net interest margin | 2.4544% | 5,685 |
| Noninterest income to average assets | 0.1407% | 5,554 |
| Noninterest expense to average assets | 1.7579% | 5,567 |
| Loan and lease loss provision to assets | 0.0756% | 2,710 |
| Net operating income to assets | 0.5046% | 4,684 |
| Return on assets (ROA) | 0.4942% | 4,813 |
| Pretax return on assets | 0.6644% | 4,702 |
| Return on Equity (ROE) | 2.4173% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.4173% | 4,470 |
| Net charge-offs to loans | 0.4636% | 459 |
| Credit loss provision to net charge-offs | 43.0108% | 3,129 |
| Earnings coverage of net charge-offs (x) | 4.2882% | 3,290 |
| Efficiency ratio | 69.9834% | 2,888 |
| Assets per employee ($millions) | 7.4514% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 1,207 |
| Loan loss allowance to noncurrent loans | 29.3597% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.2255% | 653 |
| Noncurrent loans to loans | 5.8122% | 124 |
| Net loans and leases to total assets | 37.1055% | 5,506 |
| Net loans and leases to deposits | 46.9213% | 5,413 |
| Net loans and leases to core deposits | 47.5146% | 5,464 |
| Total domestic deposits to total assets | 79.0803% | 4,701 |
| Equity capital to assets | 20.8118% | 204 |
| Core capital (leverage) ratio | 20.8005% | 175 |
| Tier 1 risk-based capital ratio | 58.8035% | 88 |
| Total risk-based capital ratio | 60.0879% | 87 |
| Memoranda: | ||
| Average total assets | $352,602,250 | 1,896 |
| Average earning assets | $340,658,500 | 1,827 |
| Average equity | $72,090,750 | 1,101 |
| Average total loans | $133,745,000 | 2,865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9321% | 5,702 |
| Cost of funding earning assets | 0.4195% | 2,839 |
| Net interest margin | 2.5126% | 5,735 |
| Noninterest income to average assets | 0.1466% | 5,573 |
| Noninterest expense to average assets | 1.7295% | 5,668 |
| Loan and lease loss provision to assets | 0.0849% | 2,448 |
| Net operating income to assets | 0.5838% | 4,337 |
| Return on assets (ROA) | 0.5676% | 4,535 |
| Pretax return on assets | 0.7380% | 4,502 |
| Return on Equity (ROE) | 2.7929% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.7929% | 4,117 |
| Net charge-offs to loans | 0.4380% | 514 |
| Credit loss provision to net charge-offs | 51.0204% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.0714% | 2,898 |
| Efficiency ratio | 67.2091% | 3,499 |
| Assets per employee ($millions) | 7.3628% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 1,075 |
| Loan loss allowance to noncurrent loans | 29.9975% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 2.3267% | 639 |
| Noncurrent loans to loans | 6.0077% | 118 |
| Net loans and leases to total assets | 36.6484% | 5,581 |
| Net loans and leases to deposits | 46.1997% | 5,493 |
| Net loans and leases to core deposits | 46.7466% | 5,543 |
| Total domestic deposits to total assets | 79.3261% | 4,711 |
| Equity capital to assets | 20.5024% | 207 |
| Core capital (leverage) ratio | 20.5186% | 178 |
| Tier 1 risk-based capital ratio | 58.5880% | 95 |
| Total risk-based capital ratio | 59.8788% | 94 |
| Memoranda: | ||
| Average total assets | $353,398,000 | 1,893 |
| Average earning assets | $341,323,330 | 1,824 |
| Average equity | $71,825,670 | 1,107 |
| Average total loans | $134,258,330 | 2,865 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 5,783 |
| Cost of funding earning assets | 0.4186% | 2,872 |
| Net interest margin | 2.4844% | 5,818 |
| Noninterest income to average assets | 0.1245% | 5,715 |
| Noninterest expense to average assets | 1.7239% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6837% | 3,797 |
| Return on assets (ROA) | 0.6837% | 3,910 |
| Pretax return on assets | 0.7991% | 4,199 |
| Return on Equity (ROE) | 3.3786% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.3786% | 3,812 |
| Net charge-offs to loans | -0.0118% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3266% | 3,410 |
| Assets per employee ($millions) | 7.2483% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 996 |
| Loan loss allowance to noncurrent loans | 26.7167% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.7162% | 519 |
| Noncurrent loans to loans | 7.0396% | 101 |
| Net loans and leases to total assets | 37.0893% | 5,593 |
| Net loans and leases to deposits | 46.6045% | 5,481 |
| Net loans and leases to core deposits | 47.1518% | 5,547 |
| Total domestic deposits to total assets | 79.5831% | 4,841 |
| Equity capital to assets | 20.2606% | 203 |
| Core capital (leverage) ratio | 20.4823% | 178 |
| Tier 1 risk-based capital ratio | 56.7546% | 100 |
| Total risk-based capital ratio | 58.0237% | 98 |
| Memoranda: | ||
| Average total assets | $353,391,000 | 1,893 |
| Average earning assets | $341,163,500 | 1,822 |
| Average equity | $71,509,500 | 1,106 |
| Average total loans | $135,439,000 | 2,856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8847% | 5,824 |
| Cost of funding earning assets | 0.4554% | 2,573 |
| Net interest margin | 2.4293% | 5,874 |
| Noninterest income to average assets | 0.1577% | 5,634 |
| Noninterest expense to average assets | 1.7577% | 5,794 |
| Loan and lease loss provision to assets | 0.1951% | 1,119 |
| Net operating income to assets | 0.3500% | 5,217 |
| Return on assets (ROA) | 0.3494% | 5,311 |
| Pretax return on assets | 0.5495% | 4,992 |
| Return on Equity (ROE) | 1.7724% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.7724% | 4,722 |
| Net charge-offs to loans | 0.7957% | 279 |
| Credit loss provision to net charge-offs | 60.8167% | 3,260 |
| Earnings coverage of net charge-offs (x) | 2.3241% | 3,932 |
| Efficiency ratio | 70.2215% | 3,188 |
| Assets per employee ($millions) | 7.3253% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8452% | 1,057 |
| Loan loss allowance to noncurrent loans | 24.8057% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 3.0027% | 434 |
| Noncurrent loans to loans | 7.4387% | 91 |
| Net loans and leases to total assets | 38.1392% | 5,617 |
| Net loans and leases to deposits | 47.8891% | 5,491 |
| Net loans and leases to core deposits | 48.4572% | 5,547 |
| Total domestic deposits to total assets | 79.6405% | 4,830 |
| Equity capital to assets | 20.2096% | 204 |
| Core capital (leverage) ratio | 20.1959% | 192 |
| Tier 1 risk-based capital ratio | 56.0950% | 100 |
| Total risk-based capital ratio | 57.3688% | 99 |
| Memoranda: | ||
| Average total assets | $358,872,000 | 1,833 |
| Average earning assets | $346,482,800 | 1,755 |
| Average equity | $70,753,000 | 1,083 |
| Average total loans | $144,660,200 | 2,674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8946% | 5,896 |
| Cost of funding earning assets | 0.4662% | 2,522 |
| Net interest margin | 2.4284% | 5,959 |
| Noninterest income to average assets | 0.1575% | 5,702 |
| Noninterest expense to average assets | 1.7370% | 5,868 |
| Loan and lease loss provision to assets | 0.1109% | 2,033 |
| Net operating income to assets | 0.4406% | 5,006 |
| Return on assets (ROA) | 0.4399% | 5,101 |
| Pretax return on assets | 0.6536% | 4,816 |
| Return on Equity (ROE) | 2.2449% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.2449% | 4,760 |
| Net charge-offs to loans | 0.7891% | 258 |
| Credit loss provision to net charge-offs | 34.5622% | 3,223 |
| Earnings coverage of net charge-offs (x) | 2.3860% | 3,678 |
| Efficiency ratio | 69.4092% | 3,309 |
| Assets per employee ($millions) | 7.3443% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 1,430 |
| Loan loss allowance to noncurrent loans | 24.5131% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.9916% | 508 |
| Noncurrent loans to loans | 7.0099% | 102 |
| Net loans and leases to total assets | 39.0038% | 5,646 |
| Net loans and leases to deposits | 49.0117% | 5,513 |
| Net loans and leases to core deposits | 49.6204% | 5,590 |
| Total domestic deposits to total assets | 79.5805% | 4,839 |
| Equity capital to assets | 20.2190% | 224 |
| Core capital (leverage) ratio | 20.0483% | 207 |
| Tier 1 risk-based capital ratio | 55.8048% | 110 |
| Total risk-based capital ratio | 57.0874% | 109 |
| Memoranda: | ||
| Average total assets | $360,686,250 | 1,827 |
| Average earning assets | $348,319,750 | 1,755 |
| Average equity | $70,676,250 | 1,086 |
| Average total loans | $146,669,250 | 2,652 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8760% | 5,967 |
| Cost of funding earning assets | 0.4824% | 2,410 |
| Net interest margin | 2.3936% | 6,045 |
| Noninterest income to average assets | 0.1541% | 5,787 |
| Noninterest expense to average assets | 1.7121% | 5,953 |
| Loan and lease loss provision to assets | 0.1376% | 1,589 |
| Net operating income to assets | 0.4183% | 5,087 |
| Return on assets (ROA) | 0.4183% | 5,185 |
| Pretax return on assets | 0.6175% | 4,934 |
| Return on Equity (ROE) | 2.1568% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.1568% | 4,628 |
| Net charge-offs to loans | 0.9468% | 218 |
| Credit loss provision to net charge-offs | 35.4610% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.9461% | 3,424 |
| Efficiency ratio | 69.3955% | 3,430 |
| Assets per employee ($millions) | 7.6675% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 1,500 |
| Loan loss allowance to noncurrent loans | 25.1977% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 2.9417% | 575 |
| Noncurrent loans to loans | 6.9308% | 120 |
| Net loans and leases to total assets | 39.2947% | 5,670 |
| Net loans and leases to deposits | 49.0880% | 5,550 |
| Net loans and leases to core deposits | 49.8553% | 5,622 |
| Total domestic deposits to total assets | 80.0495% | 4,855 |
| Equity capital to assets | 19.6211% | 239 |
| Core capital (leverage) ratio | 19.3724% | 228 |
| Tier 1 risk-based capital ratio | 54.2893% | 125 |
| Total risk-based capital ratio | 55.5726% | 124 |
| Memoranda: | ||
| Average total assets | $363,406,670 | 1,820 |
| Average earning assets | $351,181,000 | 1,739 |
| Average equity | $70,476,000 | 1,093 |
| Average total loans | $148,925,000 | 2,633 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8616% | 6,022 |
| Cost of funding earning assets | 0.5045% | 2,244 |
| Net interest margin | 2.3571% | 6,118 |
| Noninterest income to average assets | 0.1688% | 5,709 |
| Noninterest expense to average assets | 1.7023% | 6,009 |
| Loan and lease loss provision to assets | 0.0274% | 3,336 |
| Net operating income to assets | 0.5009% | 4,680 |
| Return on assets (ROA) | 0.5009% | 4,801 |
| Pretax return on assets | 0.7180% | 4,540 |
| Return on Equity (ROE) | 2.5981% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.5981% | 4,382 |
| Net charge-offs to loans | 0.5525% | 448 |
| Credit loss provision to net charge-offs | 11.9617% | 2,421 |
| Earnings coverage of net charge-offs (x) | 3.2536% | 2,632 |
| Efficiency ratio | 69.5477% | 3,569 |
| Assets per employee ($millions) | 7.7994% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 1,330 |
| Loan loss allowance to noncurrent loans | 26.7511% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.9238% | 660 |
| Noncurrent loans to loans | 7.0094% | 126 |
| Net loans and leases to total assets | 39.8001% | 5,610 |
| Net loans and leases to deposits | 49.4196% | 5,496 |
| Net loans and leases to core deposits | 50.2179% | 5,582 |
| Total domestic deposits to total assets | 80.5352% | 4,926 |
| Equity capital to assets | 19.2744% | 253 |
| Core capital (leverage) ratio | 19.4203% | 228 |
| Tier 1 risk-based capital ratio | 53.2655% | 133 |
| Total risk-based capital ratio | 54.5258% | 134 |
| Memoranda: | ||
| Average total assets | $364,924,000 | 1,821 |
| Average earning assets | $352,811,000 | 1,742 |
| Average equity | $70,359,500 | 1,096 |
| Average total loans | $151,325,500 | 2,608 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8801% | 6,152 |
| Cost of funding earning assets | 0.5985% | 1,768 |
| Net interest margin | 2.2815% | 6,277 |
| Noninterest income to average assets | 0.1474% | 5,958 |
| Noninterest expense to average assets | 1.7601% | 6,103 |
| Loan and lease loss provision to assets | 0.1920% | 1,335 |
| Net operating income to assets | 0.2792% | 5,571 |
| Return on assets (ROA) | 0.2792% | 5,641 |
| Pretax return on assets | 0.3976% | 5,495 |
| Return on Equity (ROE) | 1.5020% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.5020% | 5,086 |
| Net charge-offs to loans | 0.9053% | 357 |
| Credit loss provision to net charge-offs | 49.4467% | 3,494 |
| Earnings coverage of net charge-offs (x) | 1.5187% | 4,400 |
| Efficiency ratio | 74.9086% | 2,674 |
| Assets per employee ($millions) | 7.1230% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 1,236 |
| Loan loss allowance to noncurrent loans | 26.1482% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.2474% | 591 |
| Noncurrent loans to loans | 7.3821% | 132 |
| Net loans and leases to total assets | 41.5648% | 5,654 |
| Net loans and leases to deposits | 51.6023% | 5,506 |
| Net loans and leases to core deposits | 52.5412% | 5,589 |
| Total domestic deposits to total assets | 80.5483% | 4,872 |
| Equity capital to assets | 19.2868% | 253 |
| Core capital (leverage) ratio | 19.2612% | 236 |
| Tier 1 risk-based capital ratio | 57.5270% | 101 |
| Total risk-based capital ratio | 58.7914% | 100 |
| Memoranda: | ||
| Average total assets | $372,469,600 | 1,745 |
| Average earning assets | $359,541,600 | 1,666 |
| Average equity | $69,239,600 | 1,063 |
| Average total loans | $159,730,800 | 2,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8806% | 6,220 |
| Cost of funding earning assets | 0.6119% | 1,743 |
| Net interest margin | 2.2687% | 6,350 |
| Noninterest income to average assets | 0.1220% | 6,153 |
| Noninterest expense to average assets | 1.7418% | 6,166 |
| Loan and lease loss provision to assets | 0.2046% | 1,149 |
| Net operating income to assets | 0.2622% | 5,706 |
| Return on assets (ROA) | 0.2622% | 5,770 |
| Pretax return on assets | 0.3654% | 5,651 |
| Return on Equity (ROE) | 1.4234% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4234% | 5,331 |
| Net charge-offs to loans | 0.9588% | 324 |
| Credit loss provision to net charge-offs | 49.6117% | 3,109 |
| Earnings coverage of net charge-offs (x) | 1.3822% | 4,169 |
| Efficiency ratio | 75.3463% | 2,609 |
| Assets per employee ($millions) | 7.2248% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 1,265 |
| Loan loss allowance to noncurrent loans | 24.3273% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 3.5732% | 593 |
| Noncurrent loans to loans | 8.2131% | 117 |
| Net loans and leases to total assets | 41.5200% | 5,715 |
| Net loans and leases to deposits | 51.2909% | 5,570 |
| Net loans and leases to core deposits | 52.2515% | 5,672 |
| Total domestic deposits to total assets | 80.9501% | 4,833 |
| Equity capital to assets | 18.8830% | 278 |
| Core capital (leverage) ratio | 18.9010% | 257 |
| Tier 1 risk-based capital ratio | 56.7850% | 104 |
| Total risk-based capital ratio | 58.0508% | 101 |
| Memoranda: | ||
| Average total assets | $374,768,500 | 1,758 |
| Average earning assets | $361,720,500 | 1,676 |
| Average equity | $69,033,500 | 1,069 |
| Average total loans | $161,172,000 | 2,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8781% | 6,274 |
| Cost of funding earning assets | 0.6220% | 1,717 |
| Net interest margin | 2.2561% | 6,430 |
| Noninterest income to average assets | 0.1178% | 6,210 |
| Noninterest expense to average assets | 1.7168% | 6,248 |
| Loan and lease loss provision to assets | 0.2919% | 677 |
| Net operating income to assets | 0.2181% | 5,785 |
| Return on assets (ROA) | 0.2181% | 5,847 |
| Pretax return on assets | 0.2860% | 5,812 |
| Return on Equity (ROE) | 1.1939% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.1939% | 5,277 |
| Net charge-offs to loans | 0.9800% | 362 |
| Credit loss provision to net charge-offs | 68.9223% | 2,490 |
| Earnings coverage of net charge-offs (x) | 1.3647% | 3,825 |
| Efficiency ratio | 74.8150% | 2,835 |
| Assets per employee ($millions) | 7.2095% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1615% | 1,076 |
| Loan loss allowance to noncurrent loans | 27.0874% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 3.5183% | 656 |
| Noncurrent loans to loans | 7.9796% | 132 |
| Net loans and leases to total assets | 41.7159% | 5,695 |
| Net loans and leases to deposits | 51.3018% | 5,540 |
| Net loans and leases to core deposits | 52.2392% | 5,655 |
| Total domestic deposits to total assets | 81.3148% | 4,873 |
| Equity capital to assets | 18.4934% | 295 |
| Core capital (leverage) ratio | 18.5572% | 271 |
| Tier 1 risk-based capital ratio | 55.1950% | 106 |
| Total risk-based capital ratio | 56.4636% | 105 |
| Memoranda: | ||
| Average total assets | $376,870,330 | 1,744 |
| Average earning assets | $363,639,670 | 1,661 |
| Average equity | $68,852,330 | 1,062 |
| Average total loans | $162,861,000 | 2,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8697% | 6,346 |
| Cost of funding earning assets | 0.6343% | 1,696 |
| Net interest margin | 2.2354% | 6,509 |
| Noninterest income to average assets | 0.1291% | 6,205 |
| Noninterest expense to average assets | 1.6853% | 6,358 |
| Loan and lease loss provision to assets | 0.4499% | 353 |
| Net operating income to assets | 0.1546% | 5,918 |
| Return on assets (ROA) | 0.1546% | 5,955 |
| Pretax return on assets | 0.1503% | 6,005 |
| Return on Equity (ROE) | 0.8512% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.8512% | 5,249 |
| Net charge-offs to loans | 1.3166% | 247 |
| Credit loss provision to net charge-offs | 78.5582% | 1,911 |
| Earnings coverage of net charge-offs (x) | 1.0481% | 3,197 |
| Efficiency ratio | 73.7378% | 3,195 |
| Assets per employee ($millions) | 7.7663% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2101% | 1,146 |
| Loan loss allowance to noncurrent loans | 28.3714% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 3.4309% | 769 |
| Noncurrent loans to loans | 7.7900% | 178 |
| Net loans and leases to total assets | 41.7060% | 5,693 |
| Net loans and leases to deposits | 50.9902% | 5,523 |
| Net loans and leases to core deposits | 51.9514% | 5,619 |
| Total domestic deposits to total assets | 81.7923% | 5,001 |
| Equity capital to assets | 18.0735% | 321 |
| Core capital (leverage) ratio | 18.2117% | 297 |
| Tier 1 risk-based capital ratio | 53.4852% | 115 |
| Total risk-based capital ratio | 54.7540% | 114 |
| Memoranda: | ||
| Average total assets | $377,858,000 | 1,743 |
| Average earning assets | $364,492,500 | 1,671 |
| Average equity | $68,613,000 | 1,066 |
| Average total loans | $164,368,500 | 2,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8365% | 6,476 |
| Cost of funding earning assets | 0.7097% | 1,748 |
| Net interest margin | 2.1268% | 6,610 |
| Noninterest income to average assets | 0.1482% | 6,200 |
| Noninterest expense to average assets | 1.7155% | 6,423 |
| Loan and lease loss provision to assets | 0.3056% | 1,095 |
| Net operating income to assets | 0.2369% | 5,724 |
| Return on assets (ROA) | 0.2369% | 5,790 |
| Pretax return on assets | 0.1792% | 5,977 |
| Return on Equity (ROE) | 1.3293% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.3293% | 5,225 |
| Net charge-offs to loans | 0.6036% | 1,086 |
| Credit loss provision to net charge-offs | 111.2689% | 2,159 |
| Earnings coverage of net charge-offs (x) | 1.7652% | 4,457 |
| Efficiency ratio | 77.9695% | 2,472 |
| Assets per employee ($millions) | 7.6565% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2248% | 1,143 |
| Loan loss allowance to noncurrent loans | 24.7759% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 4.0984% | 635 |
| Noncurrent loans to loans | 8.9799% | 147 |
| Net loans and leases to total assets | 43.3767% | 5,727 |
| Net loans and leases to deposits | 53.1275% | 5,541 |
| Net loans and leases to core deposits | 54.1520% | 5,661 |
| Total domestic deposits to total assets | 81.6464% | 4,992 |
| Equity capital to assets | 18.2446% | 303 |
| Core capital (leverage) ratio | 18.4336% | 275 |
| Tier 1 risk-based capital ratio | 53.1078% | 112 |
| Total risk-based capital ratio | 54.3772% | 112 |
| Memoranda: | ||
| Average total assets | $384,546,800 | 1,710 |
| Average earning assets | $371,024,400 | 1,632 |
| Average equity | $68,533,800 | 1,043 |
| Average total loans | $174,962,800 | 2,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8505% | 6,533 |
| Cost of funding earning assets | 0.7199% | 1,810 |
| Net interest margin | 2.1305% | 6,685 |
| Noninterest income to average assets | 0.1368% | 6,340 |
| Noninterest expense to average assets | 1.6993% | 6,471 |
| Loan and lease loss provision to assets | 0.1982% | 1,833 |
| Net operating income to assets | 0.3467% | 5,445 |
| Return on assets (ROA) | 0.3467% | 5,573 |
| Pretax return on assets | 0.2953% | 5,892 |
| Return on Equity (ROE) | 1.9565% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.9565% | 5,153 |
| Net charge-offs to loans | 0.6241% | 991 |
| Credit loss provision to net charge-offs | 69.3607% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.7274% | 4,261 |
| Efficiency ratio | 77.4949% | 2,485 |
| Assets per employee ($millions) | 7.6289% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 1,847 |
| Loan loss allowance to noncurrent loans | 23.3996% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.9083% | 808 |
| Noncurrent loans to loans | 8.3399% | 209 |
| Net loans and leases to total assets | 43.8614% | 5,734 |
| Net loans and leases to deposits | 53.5807% | 5,574 |
| Net loans and leases to core deposits | 54.6392% | 5,719 |
| Total domestic deposits to total assets | 81.8604% | 4,971 |
| Equity capital to assets | 17.9978% | 321 |
| Core capital (leverage) ratio | 18.1556% | 292 |
| Tier 1 risk-based capital ratio | 52.6831% | 119 |
| Total risk-based capital ratio | 53.9489% | 119 |
| Memoranda: | ||
| Average total assets | $386,891,250 | 1,711 |
| Average earning assets | $373,354,250 | 1,626 |
| Average equity | $68,555,250 | 1,051 |
| Average total loans | $177,093,750 | 2,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8479% | 6,581 |
| Cost of funding earning assets | 0.7346% | 1,807 |
| Net interest margin | 2.1133% | 6,731 |
| Noninterest income to average assets | 0.1441% | 6,328 |
| Noninterest expense to average assets | 1.6789% | 6,518 |
| Loan and lease loss provision to assets | 0.2830% | 1,285 |
| Net operating income to assets | 0.3705% | 5,332 |
| Return on assets (ROA) | 0.3705% | 5,505 |
| Pretax return on assets | 0.2218% | 6,047 |
| Return on Equity (ROE) | 2.1015% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.1015% | 4,933 |
| Net charge-offs to loans | 0.5869% | 1,127 |
| Credit loss provision to net charge-offs | 104.5627% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.8650% | 3,904 |
| Efficiency ratio | 76.8850% | 2,649 |
| Assets per employee ($millions) | 7.4760% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 1,701 |
| Loan loss allowance to noncurrent loans | 26.7358% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 3.6033% | 1,048 |
| Noncurrent loans to loans | 7.7444% | 273 |
| Net loans and leases to total assets | 43.8957% | 5,748 |
| Net loans and leases to deposits | 53.3746% | 5,568 |
| Net loans and leases to core deposits | 54.4051% | 5,722 |
| Total domestic deposits to total assets | 82.2409% | 4,965 |
| Equity capital to assets | 17.6186% | 354 |
| Core capital (leverage) ratio | 17.7408% | 300 |
| Tier 1 risk-based capital ratio | 51.3847% | 121 |
| Total risk-based capital ratio | 52.6528% | 120 |
| Memoranda: | ||
| Average total assets | $388,706,000 | 1,706 |
| Average earning assets | $375,151,330 | 1,618 |
| Average equity | $68,523,000 | 1,055 |
| Average total loans | $179,245,670 | 2,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8533% | 6,650 |
| Cost of funding earning assets | 0.7560% | 1,798 |
| Net interest margin | 2.0973% | 6,810 |
| Noninterest income to average assets | 0.1729% | 6,223 |
| Noninterest expense to average assets | 1.7022% | 6,558 |
| Loan and lease loss provision to assets | 0.4631% | 603 |
| Net operating income to assets | 0.4765% | 4,791 |
| Return on assets (ROA) | 0.4765% | 4,956 |
| Pretax return on assets | 0.0319% | 6,370 |
| Return on Equity (ROE) | 2.7022% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.7022% | 4,664 |
| Net charge-offs to loans | 0.4864% | 1,230 |
| Credit loss provision to net charge-offs | 203.6199% | 1,070 |
| Earnings coverage of net charge-offs (x) | 2.1765% | 3,109 |
| Efficiency ratio | 77.4707% | 2,698 |
| Assets per employee ($millions) | 7.8052% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 1,730 |
| Loan loss allowance to noncurrent loans | 26.2531% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 3.8336% | 1,071 |
| Noncurrent loans to loans | 8.1109% | 316 |
| Net loans and leases to total assets | 44.9069% | 5,564 |
| Net loans and leases to deposits | 54.5815% | 5,389 |
| Net loans and leases to core deposits | 55.6358% | 5,548 |
| Total domestic deposits to total assets | 82.2749% | 5,100 |
| Equity capital to assets | 17.6180% | 357 |
| Core capital (leverage) ratio | 17.6080% | 312 |
| Tier 1 risk-based capital ratio | 50.2038% | 132 |
| Total risk-based capital ratio | 51.4721% | 132 |
| Memoranda: | ||
| Average total assets | $388,682,500 | 1,720 |
| Average earning assets | $375,148,000 | 1,631 |
| Average equity | $68,538,000 | 1,064 |
| Average total loans | $181,741,500 | 2,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2203% | 6,652 |
| Cost of funding earning assets | 0.9101% | 1,882 |
| Net interest margin | 2.3103% | 6,836 |
| Noninterest income to average assets | 0.1366% | 6,358 |
| Noninterest expense to average assets | 1.8052% | 6,618 |
| Loan and lease loss provision to assets | 0.8286% | 576 |
| Net operating income to assets | -0.2450% | 6,407 |
| Return on assets (ROA) | -0.2450% | 6,469 |
| Pretax return on assets | -0.2669% | 6,458 |
| Return on Equity (ROE) | -1.3933% | 6,415 |
| Retained earnings to average equity (ytd only) | -1.3933% | 6,075 |
| Net charge-offs to loans | 0.9111% | 1,245 |
| Credit loss provision to net charge-offs | 177.9847% | 1,476 |
| Earnings coverage of net charge-offs (x) | 1.2065% | 4,852 |
| Efficiency ratio | 76.2710% | 2,701 |
| Assets per employee ($millions) | 7.5903% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,164 |
| Loan loss allowance to noncurrent loans | 23.8854% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 4.0715% | 1,041 |
| Noncurrent loans to loans | 8.1365% | 354 |
| Net loans and leases to total assets | 46.7141% | 5,548 |
| Net loans and leases to deposits | 56.7913% | 5,362 |
| Net loans and leases to core deposits | 57.8368% | 5,562 |
| Total domestic deposits to total assets | 82.2557% | 5,006 |
| Equity capital to assets | 17.6490% | 351 |
| Core capital (leverage) ratio | 17.6322% | 304 |
| Tier 1 risk-based capital ratio | 47.7705% | 150 |
| Total risk-based capital ratio | 49.0359% | 150 |
| Memoranda: | ||
| Average total assets | $392,245,000 | 1,671 |
| Average earning assets | $378,657,000 | 1,576 |
| Average equity | $68,974,800 | 1,023 |
| Average total loans | $200,417,800 | 2,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2896% | 6,734 |
| Cost of funding earning assets | 0.9387% | 1,929 |
| Net interest margin | 2.3508% | 6,922 |
| Noninterest income to average assets | 0.1474% | 6,409 |
| Noninterest expense to average assets | 1.8075% | 6,677 |
| Loan and lease loss provision to assets | 0.7962% | 592 |
| Net operating income to assets | -0.1575% | 6,456 |
| Return on assets (ROA) | -0.1575% | 6,537 |
| Pretax return on assets | -0.1867% | 6,537 |
| Return on Equity (ROE) | -0.8967% | 6,496 |
| Retained earnings to average equity (ytd only) | -0.8967% | 6,258 |
| Net charge-offs to loans | 0.9353% | 1,158 |
| Credit loss provision to net charge-offs | 163.8773% | 1,699 |
| Earnings coverage of net charge-offs (x) | 1.2545% | 4,656 |
| Efficiency ratio | 74.7827% | 2,862 |
| Assets per employee ($millions) | 7.5999% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 3,449 |
| Loan loss allowance to noncurrent loans | 21.7278% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 3.8499% | 1,278 |
| Noncurrent loans to loans | 7.4521% | 457 |
| Net loans and leases to total assets | 48.2200% | 5,525 |
| Net loans and leases to deposits | 58.7163% | 5,355 |
| Net loans and leases to core deposits | 59.8485% | 5,575 |
| Total domestic deposits to total assets | 82.1238% | 4,972 |
| Equity capital to assets | 17.7629% | 380 |
| Core capital (leverage) ratio | 17.7387% | 315 |
| Tier 1 risk-based capital ratio | 47.0399% | 155 |
| Total risk-based capital ratio | 48.3002% | 154 |
| Memoranda: | ||
| Average total assets | $393,530,250 | 1,686 |
| Average earning assets | $379,939,750 | 1,590 |
| Average equity | $69,138,500 | 1,022 |
| Average total loans | $204,418,250 | 1,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3427% | 6,781 |
| Cost of funding earning assets | 0.9483% | 2,074 |
| Net interest margin | 2.3945% | 6,963 |
| Noninterest income to average assets | 0.1477% | 6,456 |
| Noninterest expense to average assets | 1.8351% | 6,712 |
| Loan and lease loss provision to assets | 0.6321% | 922 |
| Net operating income to assets | -0.0111% | 6,335 |
| Return on assets (ROA) | -0.0111% | 6,467 |
| Pretax return on assets | -0.0071% | 6,456 |
| Return on Equity (ROE) | -0.0636% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.0636% | 6,048 |
| Net charge-offs to loans | 0.6921% | 1,602 |
| Credit loss provision to net charge-offs | 172.6519% | 1,629 |
| Earnings coverage of net charge-offs (x) | 1.7072% | 4,130 |
| Efficiency ratio | 74.5940% | 2,970 |
| Assets per employee ($millions) | 7.2909% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 4,682 |
| Loan loss allowance to noncurrent loans | 17.8757% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 4.0027% | 1,272 |
| Noncurrent loans to loans | 7.5279% | 483 |
| Net loans and leases to total assets | 50.0160% | 5,352 |
| Net loans and leases to deposits | 60.7811% | 5,163 |
| Net loans and leases to core deposits | 61.8819% | 5,401 |
| Total domestic deposits to total assets | 82.2887% | 5,019 |
| Equity capital to assets | 17.5977% | 378 |
| Core capital (leverage) ratio | 17.5751% | 318 |
| Tier 1 risk-based capital ratio | 45.4671% | 167 |
| Total risk-based capital ratio | 46.7234% | 168 |
| Memoranda: | ||
| Average total assets | $395,509,000 | 1,674 |
| Average earning assets | $381,961,000 | 1,583 |
| Average equity | $69,235,330 | 1,015 |
| Average total loans | $209,233,000 | 1,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 6,867 |
| Cost of funding earning assets | 0.9886% | 2,042 |
| Net interest margin | 2.3492% | 7,042 |
| Noninterest income to average assets | 0.1271% | 6,614 |
| Noninterest expense to average assets | 1.9566% | 6,538 |
| Loan and lease loss provision to assets | 0.7063% | 739 |
| Net operating income to assets | -0.1806% | 6,613 |
| Return on assets (ROA) | -0.1806% | 6,669 |
| Pretax return on assets | -0.2674% | 6,707 |
| Return on Equity (ROE) | -1.0345% | 6,627 |
| Retained earnings to average equity (ytd only) | -1.0345% | 6,156 |
| Net charge-offs to loans | 0.3308% | 2,329 |
| Credit loss provision to net charge-offs | 395.4802% | 794 |
| Earnings coverage of net charge-offs (x) | 2.4576% | 3,192 |
| Efficiency ratio | 81.6765% | 1,977 |
| Assets per employee ($millions) | 7.9718% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,146 |
| Loan loss allowance to noncurrent loans | 17.9082% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 3.9389% | 1,409 |
| Noncurrent loans to loans | 7.1046% | 617 |
| Net loans and leases to total assets | 52.2329% | 4,984 |
| Net loans and leases to deposits | 63.2638% | 4,730 |
| Net loans and leases to core deposits | 64.3990% | 5,066 |
| Total domestic deposits to total assets | 82.5635% | 5,096 |
| Equity capital to assets | 17.3404% | 389 |
| Core capital (leverage) ratio | 17.3208% | 333 |
| Tier 1 risk-based capital ratio | 43.1125% | 186 |
| Total risk-based capital ratio | 44.3676% | 185 |
| Memoranda: | ||
| Average total assets | $396,408,500 | 1,676 |
| Average earning assets | $382,766,500 | 1,583 |
| Average equity | $69,211,000 | 1,011 |
| Average total loans | $214,047,500 | 1,913 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 6,831 |
| Cost of funding earning assets | 1.2226% | 1,885 |
| Net interest margin | 2.4928% | 7,063 |
| Noninterest income to average assets | 0.0942% | 6,667 |
| Noninterest expense to average assets | 1.7333% | 7,031 |
| Loan and lease loss provision to assets | 0.3455% | 2,931 |
| Net operating income to assets | 0.2892% | 5,293 |
| Return on assets (ROA) | 0.2831% | 5,470 |
| Pretax return on assets | 0.4118% | 5,259 |
| Return on Equity (ROE) | 1.6442% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.6442% | 5,035 |
| Net charge-offs to loans | 0.5889% | 2,684 |
| Credit loss provision to net charge-offs | 102.7653% | 3,366 |
| Earnings coverage of net charge-offs (x) | 2.2788% | 4,083 |
| Efficiency ratio | 69.3506% | 4,083 |
| Assets per employee ($millions) | 8.0454% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 6,249 |
| Loan loss allowance to noncurrent loans | 18.3097% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 3.2278% | 1,851 |
| Noncurrent loans to loans | 5.4310% | 981 |
| Net loans and leases to total assets | 54.5516% | 4,941 |
| Net loans and leases to deposits | 66.2840% | 4,694 |
| Net loans and leases to core deposits | 67.4585% | 5,096 |
| Total domestic deposits to total assets | 82.2998% | 5,028 |
| Equity capital to assets | 17.5800% | 375 |
| Core capital (leverage) ratio | 17.6093% | 324 |
| Tier 1 risk-based capital ratio | 42.6002% | 190 |
| Total risk-based capital ratio | 43.8515% | 186 |
| Memoranda: | ||
| Average total assets | $398,028,800 | 1,630 |
| Average earning assets | $384,020,400 | 1,543 |
| Average equity | $68,543,600 | 982 |
| Average total loans | $227,202,600 | 1,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 6,880 |
| Cost of funding earning assets | 1.2830% | 1,796 |
| Net interest margin | 2.4764% | 7,144 |
| Noninterest income to average assets | 0.0812% | 6,834 |
| Noninterest expense to average assets | 1.7394% | 7,056 |
| Loan and lease loss provision to assets | 0.3927% | 2,502 |
| Net operating income to assets | 0.2392% | 5,593 |
| Return on assets (ROA) | 0.2309% | 5,754 |
| Pretax return on assets | 0.3265% | 5,651 |
| Return on Equity (ROE) | 1.3479% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.3479% | 5,463 |
| Net charge-offs to loans | 0.6484% | 2,305 |
| Credit loss provision to net charge-offs | 105.1925% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.9579% | 4,188 |
| Efficiency ratio | 70.4140% | 3,877 |
| Assets per employee ($millions) | 8.0524% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,358 |
| Loan loss allowance to noncurrent loans | 19.5360% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 2.9838% | 2,152 |
| Noncurrent loans to loans | 5.0093% | 1,242 |
| Net loans and leases to total assets | 55.9303% | 4,853 |
| Net loans and leases to deposits | 67.8437% | 4,636 |
| Net loans and leases to core deposits | 69.0406% | 5,062 |
| Total domestic deposits to total assets | 82.4399% | 4,902 |
| Equity capital to assets | 17.4623% | 442 |
| Core capital (leverage) ratio | 17.2952% | 370 |
| Tier 1 risk-based capital ratio | 41.9503% | 214 |
| Total risk-based capital ratio | 43.2250% | 212 |
| Memoranda: | ||
| Average total assets | $398,979,250 | 1,635 |
| Average earning assets | $384,906,750 | 1,548 |
| Average equity | $68,353,250 | 991 |
| Average total loans | $229,699,000 | 1,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 6,956 |
| Cost of funding earning assets | 1.3101% | 1,879 |
| Net interest margin | 2.4560% | 7,213 |
| Noninterest income to average assets | 0.0829% | 6,911 |
| Noninterest expense to average assets | 1.7520% | 7,133 |
| Loan and lease loss provision to assets | 0.4745% | 2,090 |
| Net operating income to assets | 0.1651% | 5,842 |
| Return on assets (ROA) | 0.1523% | 5,970 |
| Pretax return on assets | 0.2078% | 5,917 |
| Return on Equity (ROE) | 0.8948% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.8948% | 5,511 |
| Net charge-offs to loans | 0.8070% | 1,889 |
| Credit loss provision to net charge-offs | 101.4957% | 3,059 |
| Earnings coverage of net charge-offs (x) | 1.4968% | 4,165 |
| Efficiency ratio | 71.4606% | 3,833 |
| Assets per employee ($millions) | 7.4153% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,556 |
| Loan loss allowance to noncurrent loans | 20.5165% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 2.8023% | 2,395 |
| Noncurrent loans to loans | 4.5679% | 1,441 |
| Net loans and leases to total assets | 56.4117% | 4,921 |
| Net loans and leases to deposits | 68.1341% | 4,687 |
| Net loans and leases to core deposits | 69.3731% | 5,142 |
| Total domestic deposits to total assets | 82.7951% | 4,851 |
| Equity capital to assets | 17.0935% | 475 |
| Core capital (leverage) ratio | 17.0100% | 400 |
| Tier 1 risk-based capital ratio | 40.9491% | 231 |
| Total risk-based capital ratio | 42.2219% | 225 |
| Memoranda: | ||
| Average total assets | $400,449,000 | 1,641 |
| Average earning assets | $386,240,000 | 1,556 |
| Average equity | $68,170,670 | 991 |
| Average total loans | $231,977,000 | 1,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 7,008 |
| Cost of funding earning assets | 1.3541% | 1,862 |
| Net interest margin | 2.4004% | 7,260 |
| Noninterest income to average assets | 0.1119% | 6,854 |
| Noninterest expense to average assets | 1.8199% | 7,115 |
| Loan and lease loss provision to assets | 0.7991% | 1,056 |
| Net operating income to assets | -0.0939% | 6,453 |
| Return on assets (ROA) | -0.0939% | 6,472 |
| Pretax return on assets | -0.1928% | 6,534 |
| Return on Equity (ROE) | -0.5527% | 6,433 |
| Retained earnings to average equity (ytd only) | -0.5527% | 5,896 |
| Net charge-offs to loans | 0.5369% | 2,152 |
| Credit loss provision to net charge-offs | 254.7771% | 1,225 |
| Earnings coverage of net charge-offs (x) | 1.9331% | 3,345 |
| Efficiency ratio | 75.0103% | 3,331 |
| Assets per employee ($millions) | 8.0645% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,957 |
| Loan loss allowance to noncurrent loans | 29.2751% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 2.4733% | 2,757 |
| Noncurrent loans to loans | 3.8380% | 1,913 |
| Net loans and leases to total assets | 56.9404% | 4,811 |
| Net loans and leases to deposits | 68.5637% | 4,601 |
| Net loans and leases to core deposits | 69.7419% | 5,077 |
| Total domestic deposits to total assets | 83.0474% | 4,906 |
| Equity capital to assets | 16.8541% | 459 |
| Core capital (leverage) ratio | 16.9445% | 399 |
| Tier 1 risk-based capital ratio | 40.3044% | 235 |
| Total risk-based capital ratio | 41.5812% | 228 |
| Memoranda: | ||
| Average total assets | $400,460,500 | 1,652 |
| Average earning assets | $386,095,000 | 1,570 |
| Average equity | $68,032,500 | 988 |
| Average total loans | $233,953,500 | 1,843 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 7,051 |
| Cost of funding earning assets | 1.6675% | 1,744 |
| Net interest margin | 2.4316% | 7,308 |
| Noninterest income to average assets | 0.0720% | 7,022 |
| Noninterest expense to average assets | 1.7780% | 7,282 |
| Loan and lease loss provision to assets | 0.3382% | 4,120 |
| Net operating income to assets | 0.2203% | 5,215 |
| Return on assets (ROA) | 0.2203% | 5,367 |
| Pretax return on assets | 0.2972% | 5,237 |
| Return on Equity (ROE) | 1.2524% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.2524% | 4,931 |
| Net charge-offs to loans | 0.1968% | 5,117 |
| Credit loss provision to net charge-offs | 275.8985% | 985 |
| Earnings coverage of net charge-offs (x) | 5.1839% | 2,694 |
| Efficiency ratio | 73.6712% | 3,465 |
| Assets per employee ($millions) | 7.5037% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 6,719 |
| Loan loss allowance to noncurrent loans | 19.6410% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 2.9392% | 2,391 |
| Noncurrent loans to loans | 4.5859% | 1,536 |
| Net loans and leases to total assets | 58.7325% | 4,913 |
| Net loans and leases to deposits | 70.9279% | 4,695 |
| Net loans and leases to core deposits | 72.0525% | 5,204 |
| Total domestic deposits to total assets | 82.8060% | 4,876 |
| Equity capital to assets | 17.1249% | 446 |
| Core capital (leverage) ratio | 17.2285% | 382 |
| Tier 1 risk-based capital ratio | 39.7085% | 243 |
| Total risk-based capital ratio | 40.9466% | 239 |
| Memoranda: | ||
| Average total assets | $385,880,200 | 1,701 |
| Average earning assets | $371,569,400 | 1,623 |
| Average equity | $67,871,600 | 989 |
| Average total loans | $240,321,000 | 1,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 7,152 |
| Cost of funding earning assets | 1.7243% | 1,748 |
| Net interest margin | 2.4286% | 7,421 |
| Noninterest income to average assets | 0.0971% | 7,060 |
| Noninterest expense to average assets | 1.7597% | 7,384 |
| Loan and lease loss provision to assets | 0.2803% | 4,336 |
| Net operating income to assets | 0.2785% | 5,246 |
| Return on assets (ROA) | 0.2785% | 5,407 |
| Pretax return on assets | 0.3948% | 5,233 |
| Return on Equity (ROE) | 1.5729% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.5729% | 5,165 |
| Net charge-offs to loans | 0.0850% | 5,682 |
| Credit loss provision to net charge-offs | 522.7273% | 556 |
| Earnings coverage of net charge-offs (x) | 12.5908% | 1,670 |
| Efficiency ratio | 72.2723% | 3,646 |
| Assets per employee ($millions) | 7.7191% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 6,988 |
| Loan loss allowance to noncurrent loans | 21.1409% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 2.5412% | 2,822 |
| Noncurrent loans to loans | 3.8178% | 2,011 |
| Net loans and leases to total assets | 60.6259% | 4,795 |
| Net loans and leases to deposits | 73.3759% | 4,621 |
| Net loans and leases to core deposits | 74.6225% | 5,213 |
| Total domestic deposits to total assets | 82.6237% | 4,741 |
| Equity capital to assets | 17.3186% | 485 |
| Core capital (leverage) ratio | 17.2681% | 405 |
| Tier 1 risk-based capital ratio | 38.9807% | 269 |
| Total risk-based capital ratio | 40.0931% | 264 |
| Memoranda: | ||
| Average total assets | $382,926,250 | 1,740 |
| Average earning assets | $368,603,750 | 1,660 |
| Average equity | $67,813,250 | 988 |
| Average total loans | $241,476,250 | 1,833 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 7,189 |
| Cost of funding earning assets | 1.7693% | 1,774 |
| Net interest margin | 2.4175% | 7,462 |
| Noninterest income to average assets | 0.1039% | 7,083 |
| Noninterest expense to average assets | 1.7789% | 7,409 |
| Loan and lease loss provision to assets | 0.1608% | 5,283 |
| Net operating income to assets | 0.3295% | 5,066 |
| Return on assets (ROA) | 0.3295% | 5,228 |
| Pretax return on assets | 0.4903% | 4,934 |
| Return on Equity (ROE) | 1.8466% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.8466% | 4,947 |
| Net charge-offs to loans | 0.1092% | 5,070 |
| Credit loss provision to net charge-offs | 231.0606% | 1,672 |
| Earnings coverage of net charge-offs (x) | 9.3561% | 2,033 |
| Efficiency ratio | 73.2046% | 3,621 |
| Assets per employee ($millions) | 7.1823% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 7,410 |
| Loan loss allowance to noncurrent loans | 17.9632% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 3,123 |
| Noncurrent loans to loans | 3.3600% | 2,378 |
| Net loans and leases to total assets | 62.1637% | 4,650 |
| Net loans and leases to deposits | 75.4617% | 4,428 |
| Net loans and leases to core deposits | 76.7110% | 5,111 |
| Total domestic deposits to total assets | 82.3777% | 4,835 |
| Equity capital to assets | 17.5411% | 470 |
| Core capital (leverage) ratio | 17.5790% | 393 |
| Tier 1 risk-based capital ratio | 39.5407% | 259 |
| Total risk-based capital ratio | 40.3936% | 257 |
| Memoranda: | ||
| Average total assets | $379,343,330 | 1,772 |
| Average earning assets | $365,005,000 | 1,685 |
| Average equity | $67,691,330 | 983 |
| Average total loans | $241,764,670 | 1,858 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 7,222 |
| Cost of funding earning assets | 1.8181% | 1,808 |
| Net interest margin | 2.4159% | 7,522 |
| Noninterest income to average assets | 0.0981% | 7,213 |
| Noninterest expense to average assets | 1.7606% | 7,511 |
| Loan and lease loss provision to assets | 0.0853% | 5,783 |
| Net operating income to assets | 0.3871% | 4,896 |
| Return on assets (ROA) | 0.3871% | 5,033 |
| Pretax return on assets | 0.5748% | 4,701 |
| Return on Equity (ROE) | 2.1504% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.1504% | 4,843 |
| Net charge-offs to loans | 0.0729% | 4,686 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 14.0682% | 1,456 |
| Efficiency ratio | 72.7313% | 3,805 |
| Assets per employee ($millions) | 7.5990% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5511% | 7,548 |
| Loan loss allowance to noncurrent loans | 20.3278% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 1.9737% | 3,533 |
| Noncurrent loans to loans | 2.7110% | 2,953 |
| Net loans and leases to total assets | 63.0272% | 4,529 |
| Net loans and leases to deposits | 76.7805% | 4,263 |
| Net loans and leases to core deposits | 77.8832% | 5,032 |
| Total domestic deposits to total assets | 82.0875% | 5,042 |
| Equity capital to assets | 17.8212% | 440 |
| Core capital (leverage) ratio | 17.7844% | 380 |
| Tier 1 risk-based capital ratio | 39.8984% | 255 |
| Total risk-based capital ratio | 40.6815% | 255 |
| Memoranda: | ||
| Average total assets | $375,093,000 | 1,829 |
| Average earning assets | $360,605,500 | 1,736 |
| Average equity | $67,521,000 | 986 |
| Average total loans | $241,366,000 | 1,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 7,300 |
| Cost of funding earning assets | 2.1379% | 2,291 |
| Net interest margin | 2.4463% | 7,475 |
| Noninterest income to average assets | 0.1320% | 7,094 |
| Noninterest expense to average assets | 1.7753% | 7,636 |
| Loan and lease loss provision to assets | 0.2297% | 5,535 |
| Net operating income to assets | 0.3643% | 4,275 |
| Return on assets (ROA) | 0.3626% | 4,379 |
| Pretax return on assets | 0.4815% | 4,248 |
| Return on Equity (ROE) | 1.9479% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.9479% | 3,735 |
| Net charge-offs to loans | 0.1944% | 5,428 |
| Credit loss provision to net charge-offs | 177.8017% | 2,348 |
| Earnings coverage of net charge-offs (x) | 5.5216% | 2,573 |
| Efficiency ratio | 71.3327% | 4,381 |
| Assets per employee ($millions) | 7.2595% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 7,640 |
| Loan loss allowance to noncurrent loans | 17.5265% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2740% | 3,037 |
| Noncurrent loans to loans | 3.0447% | 2,534 |
| Net loans and leases to total assets | 64.9970% | 4,374 |
| Net loans and leases to deposits | 79.5294% | 4,084 |
| Net loans and leases to core deposits | 94.8773% | 4,577 |
| Total domestic deposits to total assets | 81.7270% | 5,057 |
| Equity capital to assets | 18.1858% | 432 |
| Core capital (leverage) ratio | 18.1904% | 390 |
| Tier 1 risk-based capital ratio | 39.8435% | 253 |
| Total risk-based capital ratio | 40.6084% | 259 |
| Memoranda: | ||
| Average total assets | $359,088,200 | 1,893 |
| Average earning assets | $345,954,000 | 1,807 |
| Average equity | $66,840,800 | 987 |
| Average total loans | $238,743,200 | 1,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6718% | 7,330 |
| Cost of funding earning assets | 2.1878% | 2,464 |
| Net interest margin | 2.4839% | 7,479 |
| Noninterest income to average assets | 0.1325% | 7,215 |
| Noninterest expense to average assets | 1.7984% | 7,662 |
| Loan and lease loss provision to assets | 0.1777% | 5,583 |
| Net operating income to assets | 0.4120% | 4,353 |
| Return on assets (ROA) | 0.4098% | 4,463 |
| Pretax return on assets | 0.5482% | 4,364 |
| Return on Equity (ROE) | 2.1882% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.1882% | 4,105 |
| Net charge-offs to loans | 0.0213% | 6,600 |
| Credit loss provision to net charge-offs | 1,250.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 51.2585% | 616 |
| Efficiency ratio | 71.1578% | 4,398 |
| Assets per employee ($millions) | 7.3050% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 7,623 |
| Loan loss allowance to noncurrent loans | 18.9361% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 2.0589% | 3,266 |
| Noncurrent loans to loans | 2.9961% | 2,522 |
| Net loans and leases to total assets | 65.5929% | 4,512 |
| Net loans and leases to deposits | 80.5895% | 4,282 |
| Net loans and leases to core deposits | 95.7118% | 4,837 |
| Total domestic deposits to total assets | 81.3914% | 4,925 |
| Equity capital to assets | 18.4047% | 477 |
| Core capital (leverage) ratio | 18.3898% | 428 |
| Tier 1 risk-based capital ratio | 40.0004% | 284 |
| Total risk-based capital ratio | 40.8159% | 287 |
| Memoranda: | ||
| Average total assets | $356,301,750 | 1,922 |
| Average earning assets | $343,531,250 | 1,834 |
| Average equity | $66,718,500 | 1,002 |
| Average total loans | $237,946,000 | 1,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 7,222 |
| Cost of funding earning assets | 2.2260% | 2,679 |
| Net interest margin | 2.5771% | 7,383 |
| Noninterest income to average assets | 0.1426% | 7,235 |
| Noninterest expense to average assets | 1.8261% | 7,714 |
| Loan and lease loss provision to assets | 0.1557% | 5,514 |
| Net operating income to assets | 0.4840% | 4,150 |
| Return on assets (ROA) | 0.4806% | 4,284 |
| Pretax return on assets | 0.6408% | 4,191 |
| Return on Equity (ROE) | 2.5515% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.5515% | 3,909 |
| Net charge-offs to loans | 0.0194% | 6,245 |
| Credit loss provision to net charge-offs | 1,195.6522% | 422 |
| Earnings coverage of net charge-offs (x) | 61.5217% | 584 |
| Efficiency ratio | 69.5109% | 4,874 |
| Assets per employee ($millions) | 7.0989% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4948% | 7,795 |
| Loan loss allowance to noncurrent loans | 19.4216% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7534% | 3,546 |
| Noncurrent loans to loans | 2.5474% | 2,842 |
| Net loans and leases to total assets | 65.6613% | 4,634 |
| Net loans and leases to deposits | 80.7234% | 4,433 |
| Net loans and leases to core deposits | 95.5156% | 4,957 |
| Total domestic deposits to total assets | 81.3410% | 4,950 |
| Equity capital to assets | 18.4858% | 507 |
| Core capital (leverage) ratio | 18.5088% | 455 |
| Tier 1 risk-based capital ratio | 40.2656% | 303 |
| Total risk-based capital ratio | 40.9783% | 305 |
| Memoranda: | ||
| Average total assets | $353,319,000 | 1,955 |
| Average earning assets | $340,614,000 | 1,864 |
| Average equity | $66,550,330 | 1,011 |
| Average total loans | $236,946,330 | 2,028 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 7,056 |
| Cost of funding earning assets | 2.2634% | 2,870 |
| Net interest margin | 2.6873% | 7,231 |
| Noninterest income to average assets | 0.1146% | 7,454 |
| Noninterest expense to average assets | 1.6770% | 7,848 |
| Loan and lease loss provision to assets | 0.0206% | 6,637 |
| Net operating income to assets | 0.7450% | 3,370 |
| Return on assets (ROA) | 0.7382% | 3,581 |
| Pretax return on assets | 0.9950% | 3,361 |
| Return on Equity (ROE) | 3.8817% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.8817% | 3,732 |
| Net charge-offs to loans | 0.0288% | 5,124 |
| Credit loss provision to net charge-offs | 105.8824% | 3,593 |
| Earnings coverage of net charge-offs (x) | 52.5882% | 693 |
| Efficiency ratio | 62.0704% | 6,033 |
| Assets per employee ($millions) | 6.8439% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 7,957 |
| Loan loss allowance to noncurrent loans | 23.2285% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,178 |
| Noncurrent loans to loans | 1.6802% | 3,738 |
| Net loans and leases to total assets | 66.7684% | 4,392 |
| Net loans and leases to deposits | 82.3247% | 4,231 |
| Net loans and leases to core deposits | 97.2350% | 4,823 |
| Total domestic deposits to total assets | 81.1037% | 4,924 |
| Equity capital to assets | 18.7362% | 515 |
| Core capital (leverage) ratio | 19.0096% | 449 |
| Tier 1 risk-based capital ratio | 40.0351% | 328 |
| Total risk-based capital ratio | 40.5949% | 329 |
| Memoranda: | ||
| Average total assets | $348,955,500 | 1,991 |
| Average earning assets | $335,955,500 | 1,887 |
| Average equity | $66,362,000 | 1,015 |
| Average total loans | $235,966,500 | 2,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 7,603 |
| Cost of funding earning assets | 2.8395% | 2,530 |
| Net interest margin | 2.4522% | 7,804 |
| Noninterest income to average assets | 0.1129% | 7,559 |
| Noninterest expense to average assets | 1.7007% | 7,866 |
| Loan and lease loss provision to assets | 0.0490% | 6,796 |
| Net operating income to assets | 0.5431% | 4,561 |
| Return on assets (ROA) | 0.5431% | 4,410 |
| Pretax return on assets | 0.7243% | 4,316 |
| Return on Equity (ROE) | 2.8450% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.8450% | 3,403 |
| Net charge-offs to loans | 0.0706% | 5,761 |
| Credit loss provision to net charge-offs | 103.0675% | 5,180 |
| Earnings coverage of net charge-offs (x) | 16.2577% | 1,859 |
| Efficiency ratio | 68.7426% | 4,587 |
| Assets per employee ($millions) | 6.5774% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3985% | 7,976 |
| Loan loss allowance to noncurrent loans | 23.2908% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 3,559 |
| Noncurrent loans to loans | 1.7109% | 3,202 |
| Net loans and leases to total assets | 67.9636% | 4,472 |
| Net loans and leases to deposits | 84.4007% | 4,359 |
| Net loans and leases to core deposits | 98.7842% | 4,950 |
| Total domestic deposits to total assets | 80.5249% | 4,830 |
| Equity capital to assets | 19.3099% | 520 |
| Core capital (leverage) ratio | 19.3936% | 481 |
| Tier 1 risk-based capital ratio | 38.3940% | 365 |
| Total risk-based capital ratio | 38.9355% | 371 |
| Memoranda: | ||
| Average total assets | $342,681,400 | 1,937 |
| Average earning assets | $329,949,800 | 1,854 |
| Average equity | $65,413,200 | 1,024 |
| Average total loans | $230,733,800 | 2,043 |