Home > Evergreen Federal Bank > Performance and Condition Ratios
Evergreen Federal 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 | 4.1672% | 3,689 |
| Cost of funding earning assets | 0.7262% | 3,885 |
| Net interest margin | 3.4410% | 2,319 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.5695% | 2,101 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.6992% | 3,200 |
| Return on assets (ROA) | 0.3334% | 3,979 |
| Pretax return on assets | 0.4233% | 3,928 |
| Return on Equity (ROE) | 3.0500% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.0488% | 3,261 |
| Net charge-offs to loans | 0.0311% | 1,677 |
| Credit loss provision to net charge-offs | -251.7483% | 4,513 |
| Earnings coverage of net charge-offs (x) | 35.7273% | 1,517 |
| Efficiency ratio | 75.6285% | 1,286 |
| Assets per employee ($millions) | 7.0357% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,508 |
| Loan loss allowance to noncurrent loans | 715.4102% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,527 |
| Noncurrent loans to loans | 0.1916% | 2,554 |
| Net loans and leases to total assets | 76.7400% | 1,009 |
| Net loans and leases to deposits | 88.6717% | 1,378 |
| Net loans and leases to core deposits | 94.0387% | 1,772 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 11.6353% | 1,238 |
| Core capital (leverage) ratio | 12.3639% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $617,016,600 | 1,443 |
| Average earning assets | $566,516,600 | 1,447 |
| Average equity | $67,468,400 | 1,285 |
| Average total loans | $460,362,800 | 1,325 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 3,628 |
| Cost of funding earning assets | 0.6473% | 3,877 |
| Net interest margin | 3.4687% | 2,278 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.5690% | 2,036 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 0.7320% | 3,226 |
| Return on assets (ROA) | 0.3798% | 4,000 |
| Pretax return on assets | 0.4854% | 3,929 |
| Return on Equity (ROE) | 3.5300% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.5283% | 3,379 |
| Net charge-offs to loans | 0.0102% | 2,018 |
| Credit loss provision to net charge-offs | -1,028.5714% | 4,598 |
| Earnings coverage of net charge-offs (x) | 113.4286% | 867 |
| Efficiency ratio | 75.0565% | 1,265 |
| Assets per employee ($millions) | 6.7470% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,376 |
| Loan loss allowance to noncurrent loans | 1,108.2770% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,918 |
| Noncurrent loans to loans | 0.1280% | 2,911 |
| Net loans and leases to total assets | 75.9400% | 1,131 |
| Net loans and leases to deposits | 86.0814% | 1,563 |
| Net loans and leases to core deposits | 90.5755% | 1,894 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 11.3370% | 1,231 |
| Core capital (leverage) ratio | 12.1413% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $620,003,000 | 1,436 |
| Average earning assets | $569,765,750 | 1,440 |
| Average equity | $66,735,000 | 1,287 |
| Average total loans | $457,764,750 | 1,323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,624 |
| Cost of funding earning assets | 0.5822% | 3,796 |
| Net interest margin | 3.4475% | 2,397 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6017% | 1,926 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 0.6637% | 3,424 |
| Return on assets (ROA) | 0.4259% | 3,957 |
| Pretax return on assets | 0.5462% | 3,889 |
| Return on Equity (ROE) | 4.0200% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0249% | 3,202 |
| Net charge-offs to loans | 0.0153% | 1,627 |
| Credit loss provision to net charge-offs | -408.5714% | 4,591 |
| Earnings coverage of net charge-offs (x) | 71.7429% | 1,107 |
| Efficiency ratio | 76.4469% | 1,137 |
| Assets per employee ($millions) | 6.6148% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,329 |
| Loan loss allowance to noncurrent loans | 1,062.3824% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,813 |
| Noncurrent loans to loans | 0.1370% | 2,785 |
| Net loans and leases to total assets | 74.6000% | 1,216 |
| Net loans and leases to deposits | 86.3692% | 1,472 |
| Net loans and leases to core deposits | 90.4989% | 1,762 |
| Total domestic deposits to total assets | 86.3700% | 2,125 |
| Equity capital to assets | 10.9159% | 1,424 |
| Core capital (leverage) ratio | 11.7407% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $626,509,333 | 1,420 |
| Average earning assets | $576,479,333 | 1,427 |
| Average equity | $66,287,667 | 1,289 |
| Average total loans | $456,168,000 | 1,311 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,517 |
| Cost of funding earning assets | 0.4407% | 3,861 |
| Net interest margin | 3.5248% | 2,302 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.5771% | 2,017 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6528% | 3,576 |
| Return on assets (ROA) | 0.6119% | 3,625 |
| Pretax return on assets | 0.8004% | 3,465 |
| Return on Equity (ROE) | 5.8700% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.8735% | 2,800 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.0950% | 1,329 |
| Assets per employee ($millions) | 7.0833% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,134 |
| Loan loss allowance to noncurrent loans | 1,456.1077% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,034 |
| Noncurrent loans to loans | 0.1062% | 3,003 |
| Net loans and leases to total assets | 71.0600% | 1,515 |
| Net loans and leases to deposits | 79.8134% | 1,831 |
| Net loans and leases to core deposits | 82.3616% | 2,099 |
| Total domestic deposits to total assets | 89.0300% | 1,537 |
| Equity capital to assets | 10.6253% | 1,501 |
| Core capital (leverage) ratio | 11.4597% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $632,176,500 | 1,432 |
| Average earning assets | $582,736,000 | 1,437 |
| Average equity | $65,855,500 | 1,304 |
| Average total loans | $451,412,500 | 1,335 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 3,348 |
| Cost of funding earning assets | 0.1346% | 4,207 |
| Net interest margin | 3.2646% | 2,663 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3343% | 2,633 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6906% | 3,639 |
| Return on assets (ROA) | 0.6325% | 3,753 |
| Pretax return on assets | 0.8401% | 3,517 |
| Return on Equity (ROE) | 6.1400% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.1422% | 2,590 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5583% | 1,491 |
| Assets per employee ($millions) | 7.3714% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,064 |
| Loan loss allowance to noncurrent loans | 1,369.2913% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 2,996 |
| Noncurrent loans to loans | 0.1134% | 2,957 |
| Net loans and leases to total assets | 69.5400% | 1,680 |
| Net loans and leases to deposits | 77.7552% | 1,973 |
| Net loans and leases to core deposits | 79.4286% | 2,168 |
| Total domestic deposits to total assets | 89.4400% | 1,584 |
| Equity capital to assets | 10.2104% | 1,605 |
| Core capital (leverage) ratio | 11.0924% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $631,492,400 | 1,419 |
| Average earning assets | $585,270,000 | 1,416 |
| Average equity | $65,025,400 | 1,320 |
| Average total loans | $400,765,800 | 1,387 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 3,325 |
| Cost of funding earning assets | 0.1038% | 4,251 |
| Net interest margin | 3.1387% | 2,804 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2844% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6516% | 3,690 |
| Return on assets (ROA) | 0.6516% | 3,647 |
| Pretax return on assets | 0.8675% | 3,430 |
| Return on Equity (ROE) | 6.3100% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.3143% | 2,627 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4755% | 1,448 |
| Assets per employee ($millions) | 7.3723% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 1,002 |
| Loan loss allowance to noncurrent loans | 1,343.8356% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 3,118 |
| Noncurrent loans to loans | 0.1218% | 3,036 |
| Net loans and leases to total assets | 63.6200% | 2,122 |
| Net loans and leases to deposits | 70.8028% | 2,301 |
| Net loans and leases to core deposits | 71.8002% | 2,498 |
| Total domestic deposits to total assets | 89.8500% | 1,724 |
| Equity capital to assets | 9.6997% | 1,772 |
| Core capital (leverage) ratio | 10.9592% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $630,879,750 | 1,426 |
| Average earning assets | $585,452,250 | 1,423 |
| Average equity | $65,099,750 | 1,332 |
| Average total loans | $389,000,000 | 1,417 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,280 |
| Cost of funding earning assets | 0.0875% | 4,311 |
| Net interest margin | 3.0219% | 2,819 |
| Noninterest income to average assets | 0.2503% | 3,673 |
| Noninterest expense to average assets | 2.2643% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5969% | 3,632 |
| Return on assets (ROA) | 0.5969% | 3,579 |
| Pretax return on assets | 0.7931% | 3,351 |
| Return on Equity (ROE) | 5.6667% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.6667% | 2,452 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0605% | 1,499 |
| Assets per employee ($millions) | 7.2151% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 852 |
| Loan loss allowance to noncurrent loans | 2,461.2903% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,545 |
| Noncurrent loans to loans | 0.0718% | 3,439 |
| Net loans and leases to total assets | 60.1015% | 2,316 |
| Net loans and leases to deposits | 67.2118% | 2,450 |
| Net loans and leases to core deposits | 68.0916% | 2,644 |
| Total domestic deposits to total assets | 89.4211% | 1,991 |
| Equity capital to assets | 10.1795% | 1,604 |
| Core capital (leverage) ratio | 11.0195% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $624,918,667 | 1,446 |
| Average earning assets | $580,498,000 | 1,447 |
| Average equity | $65,823,667 | 1,351 |
| Average total loans | $378,806,000 | 1,445 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0465% | 3,115 |
| Cost of funding earning assets | 0.0868% | 4,284 |
| Net interest margin | 2.9596% | 2,639 |
| Noninterest income to average assets | 0.2871% | 3,405 |
| Noninterest expense to average assets | 2.2448% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5981% | 3,399 |
| Return on assets (ROA) | 0.5981% | 3,381 |
| Pretax return on assets | 0.7917% | 3,129 |
| Return on Equity (ROE) | 5.5827% | 3,458 |
| Retained earnings to average equity (ytd only) | 5.5827% | 2,386 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9269% | 1,749 |
| Assets per employee ($millions) | 7.0230% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 817 |
| Loan loss allowance to noncurrent loans | 2,452.5000% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,590 |
| Noncurrent loans to loans | 0.0752% | 3,467 |
| Net loans and leases to total assets | 58.4997% | 2,246 |
| Net loans and leases to deposits | 65.5520% | 2,374 |
| Net loans and leases to core deposits | 66.4235% | 2,595 |
| Total domestic deposits to total assets | 89.2416% | 1,956 |
| Equity capital to assets | 10.4078% | 1,628 |
| Core capital (leverage) ratio | 11.1164% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $619,912,500 | 1,462 |
| Average earning assets | $575,881,500 | 1,459 |
| Average equity | $66,419,000 | 1,380 |
| Average total loans | $373,974,000 | 1,450 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1419% | 3,604 |
| Cost of funding earning assets | 0.1085% | 4,320 |
| Net interest margin | 3.0334% | 3,098 |
| Noninterest income to average assets | 0.4495% | 2,820 |
| Noninterest expense to average assets | 2.4483% | 2,338 |
| Loan and lease loss provision to assets | -0.1815% | 4,671 |
| Net operating income to assets | 0.7496% | 3,491 |
| Return on assets (ROA) | 0.7496% | 3,554 |
| Pretax return on assets | 1.0003% | 3,256 |
| Return on Equity (ROE) | 6.8425% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.8425% | 1,985 |
| Net charge-offs to loans | -0.0279% | 4,094 |
| Credit loss provision to net charge-offs | 1,063.1068% | 513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9366% | 1,217 |
| Assets per employee ($millions) | 6.9076% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 820 |
| Loan loss allowance to noncurrent loans | 2,435.1064% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,674 |
| Noncurrent loans to loans | 0.0751% | 3,558 |
| Net loans and leases to total assets | 59.9507% | 2,166 |
| Net loans and leases to deposits | 67.7247% | 2,335 |
| Net loans and leases to core deposits | 68.6787% | 2,587 |
| Total domestic deposits to total assets | 88.5212% | 1,779 |
| Equity capital to assets | 11.0258% | 1,775 |
| Core capital (leverage) ratio | 11.0530% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,395,000 | 1,445 |
| Average earning assets | $560,484,200 | 1,451 |
| Average equity | $66,101,400 | 1,409 |
| Average total loans | $369,748,800 | 1,463 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1658% | 3,670 |
| Cost of funding earning assets | 0.1133% | 4,399 |
| Net interest margin | 3.0524% | 3,173 |
| Noninterest income to average assets | 0.4800% | 2,710 |
| Noninterest expense to average assets | 2.4590% | 2,243 |
| Loan and lease loss provision to assets | -0.1765% | 4,722 |
| Net operating income to assets | 0.7735% | 3,590 |
| Return on assets (ROA) | 0.7735% | 3,655 |
| Pretax return on assets | 1.0321% | 3,368 |
| Return on Equity (ROE) | 7.0724% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.0724% | 2,391 |
| Net charge-offs to loans | -0.0373% | 4,228 |
| Credit loss provision to net charge-offs | 771.8447% | 603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1862% | 1,202 |
| Assets per employee ($millions) | 7.1217% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 711 |
| Loan loss allowance to noncurrent loans | 870.8384% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,227 |
| Noncurrent loans to loans | 0.2230% | 3,059 |
| Net loans and leases to total assets | 58.4211% | 2,433 |
| Net loans and leases to deposits | 65.9280% | 2,633 |
| Net loans and leases to core deposits | 66.8154% | 2,882 |
| Total domestic deposits to total assets | 88.6134% | 1,508 |
| Equity capital to assets | 10.8498% | 2,124 |
| Core capital (leverage) ratio | 10.8954% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,549,500 | 1,464 |
| Average earning assets | $557,703,500 | 1,472 |
| Average equity | $65,680,750 | 1,430 |
| Average total loans | $368,328,500 | 1,488 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1776% | 3,712 |
| Cost of funding earning assets | 0.1234% | 4,414 |
| Net interest margin | 3.0542% | 3,171 |
| Noninterest income to average assets | 0.5530% | 2,394 |
| Noninterest expense to average assets | 2.4901% | 2,179 |
| Loan and lease loss provision to assets | -0.1632% | 4,723 |
| Net operating income to assets | 0.7930% | 3,533 |
| Return on assets (ROA) | 0.7930% | 3,602 |
| Pretax return on assets | 1.0586% | 3,310 |
| Return on Equity (ROE) | 7.2307% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.2307% | 2,349 |
| Net charge-offs to loans | -0.0185% | 3,960 |
| Credit loss provision to net charge-offs | 1,426.4706% | 379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5534% | 1,284 |
| Assets per employee ($millions) | 6.8636% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 633 |
| Loan loss allowance to noncurrent loans | 662.6118% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,048 |
| Noncurrent loans to loans | 0.2988% | 2,861 |
| Net loans and leases to total assets | 60.0455% | 2,423 |
| Net loans and leases to deposits | 67.6932% | 2,646 |
| Net loans and leases to core deposits | 68.6394% | 2,902 |
| Total domestic deposits to total assets | 88.7024% | 1,453 |
| Equity capital to assets | 10.8510% | 2,104 |
| Core capital (leverage) ratio | 10.9169% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $594,202,667 | 1,473 |
| Average earning assets | $551,043,333 | 1,485 |
| Average equity | $65,166,333 | 1,433 |
| Average total loans | $368,058,667 | 1,491 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1981% | 3,698 |
| Cost of funding earning assets | 0.1512% | 4,296 |
| Net interest margin | 3.0469% | 3,137 |
| Noninterest income to average assets | 0.6247% | 2,111 |
| Noninterest expense to average assets | 2.4353% | 2,380 |
| Loan and lease loss provision to assets | 0.0328% | 2,339 |
| Net operating income to assets | 0.7339% | 3,619 |
| Return on assets (ROA) | 0.7339% | 3,688 |
| Pretax return on assets | 0.9770% | 3,440 |
| Return on Equity (ROE) | 6.6556% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6556% | 2,678 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6897% | 1,631 |
| Assets per employee ($millions) | 6.8085% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 448 |
| Loan loss allowance to noncurrent loans | 566.4040% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 2,964 |
| Noncurrent loans to loans | 0.3819% | 2,723 |
| Net loans and leases to total assets | 60.3719% | 2,493 |
| Net loans and leases to deposits | 68.1600% | 2,683 |
| Net loans and leases to core deposits | 69.2103% | 2,943 |
| Total domestic deposits to total assets | 88.5739% | 1,573 |
| Equity capital to assets | 10.9665% | 1,883 |
| Core capital (leverage) ratio | 11.0960% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,875,500 | 1,480 |
| Average earning assets | $542,315,500 | 1,494 |
| Average equity | $64,607,500 | 1,433 |
| Average total loans | $364,988,000 | 1,507 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 3,308 |
| Cost of funding earning assets | 0.2671% | 4,304 |
| Net interest margin | 3.5304% | 2,369 |
| Noninterest income to average assets | 0.6613% | 1,984 |
| Noninterest expense to average assets | 2.6235% | 2,473 |
| Loan and lease loss provision to assets | 0.3964% | 801 |
| Net operating income to assets | 0.6680% | 3,532 |
| Return on assets (ROA) | 0.7197% | 3,499 |
| Pretax return on assets | 0.9546% | 3,204 |
| Return on Equity (ROE) | 6.0827% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.0827% | 1,758 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1129% | 2,346 |
| Assets per employee ($millions) | 6.6599% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1563% | 448 |
| Loan loss allowance to noncurrent loans | 668.2823% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,275 |
| Noncurrent loans to loans | 0.3227% | 3,050 |
| Net loans and leases to total assets | 61.5457% | 2,663 |
| Net loans and leases to deposits | 69.6351% | 2,921 |
| Net loans and leases to core deposits | 71.5521% | 3,122 |
| Total domestic deposits to total assets | 88.3832% | 1,285 |
| Equity capital to assets | 11.0898% | 2,182 |
| Core capital (leverage) ratio | 11.2719% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,464,000 | 1,476 |
| Average earning assets | $485,240,400 | 1,492 |
| Average equity | $62,406,400 | 1,404 |
| Average total loans | $371,741,200 | 1,440 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,177 |
| Cost of funding earning assets | 0.2822% | 4,381 |
| Net interest margin | 3.6432% | 2,114 |
| Noninterest income to average assets | 0.6684% | 1,913 |
| Noninterest expense to average assets | 2.6372% | 2,427 |
| Loan and lease loss provision to assets | 0.4797% | 636 |
| Net operating income to assets | 0.6734% | 3,554 |
| Return on assets (ROA) | 0.7440% | 3,406 |
| Pretax return on assets | 0.9871% | 3,117 |
| Return on Equity (ROE) | 6.1796% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.1796% | 2,026 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6898% | 2,503 |
| Assets per employee ($millions) | 6.4387% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0751% | 438 |
| Loan loss allowance to noncurrent loans | 491.8657% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 3,045 |
| Noncurrent loans to loans | 0.4219% | 2,796 |
| Net loans and leases to total assets | 64.9327% | 2,645 |
| Net loans and leases to deposits | 73.8115% | 2,978 |
| Net loans and leases to core deposits | 75.8997% | 3,172 |
| Total domestic deposits to total assets | 87.9710% | 1,226 |
| Equity capital to assets | 11.4503% | 2,052 |
| Core capital (leverage) ratio | 11.4668% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,476,750 | 1,486 |
| Average earning assets | $472,540,250 | 1,509 |
| Average equity | $61,944,000 | 1,402 |
| Average total loans | $373,560,750 | 1,431 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,169 |
| Cost of funding earning assets | 0.2985% | 4,487 |
| Net interest margin | 3.7590% | 1,959 |
| Noninterest income to average assets | 0.6171% | 2,069 |
| Noninterest expense to average assets | 2.7456% | 2,236 |
| Loan and lease loss provision to assets | 0.4392% | 879 |
| Net operating income to assets | 0.6611% | 3,546 |
| Return on assets (ROA) | 0.7699% | 3,271 |
| Pretax return on assets | 1.0212% | 2,965 |
| Return on Equity (ROE) | 6.2808% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.2808% | 1,948 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4870% | 2,308 |
| Assets per employee ($millions) | 6.0932% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 640 |
| Loan loss allowance to noncurrent loans | 752.3549% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 3,678 |
| Noncurrent loans to loans | 0.2406% | 3,518 |
| Net loans and leases to total assets | 69.4829% | 2,112 |
| Net loans and leases to deposits | 79.1151% | 2,529 |
| Net loans and leases to core deposits | 81.2853% | 2,839 |
| Total domestic deposits to total assets | 87.8252% | 1,274 |
| Equity capital to assets | 11.6653% | 1,859 |
| Core capital (leverage) ratio | 11.9465% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,392,333 | 1,493 |
| Average earning assets | $460,329,667 | 1,511 |
| Average equity | $61,457,333 | 1,397 |
| Average total loans | $375,690,667 | 1,412 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 3,104 |
| Cost of funding earning assets | 0.3218% | 4,589 |
| Net interest margin | 3.9144% | 1,625 |
| Noninterest income to average assets | 0.4132% | 3,008 |
| Noninterest expense to average assets | 2.8083% | 2,411 |
| Loan and lease loss provision to assets | 0.2901% | 1,070 |
| Net operating income to assets | 0.6690% | 3,372 |
| Return on assets (ROA) | 0.8942% | 2,648 |
| Pretax return on assets | 1.1893% | 2,233 |
| Return on Equity (ROE) | 7.1054% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.1054% | 1,500 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1631% | 2,326 |
| Assets per employee ($millions) | 5.7111% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 1,015 |
| Loan loss allowance to noncurrent loans | 672.4176% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 3,752 |
| Noncurrent loans to loans | 0.2412% | 3,620 |
| Net loans and leases to total assets | 75.5658% | 1,373 |
| Net loans and leases to deposits | 86.9294% | 1,881 |
| Net loans and leases to core deposits | 89.6239% | 2,383 |
| Total domestic deposits to total assets | 86.9278% | 1,588 |
| Equity capital to assets | 12.5673% | 1,694 |
| Core capital (leverage) ratio | 12.6554% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $483,986,000 | 1,502 |
| Average earning assets | $443,796,000 | 1,508 |
| Average equity | $60,911,000 | 1,403 |
| Average total loans | $373,816,000 | 1,372 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 3,122 |
| Cost of funding earning assets | 0.2936% | 4,743 |
| Net interest margin | 4.1552% | 1,412 |
| Noninterest income to average assets | 0.4191% | 3,179 |
| Noninterest expense to average assets | 2.8557% | 2,426 |
| Loan and lease loss provision to assets | 0.0796% | 2,402 |
| Net operating income to assets | 0.9516% | 3,012 |
| Return on assets (ROA) | 0.9702% | 3,032 |
| Pretax return on assets | 1.3122% | 2,470 |
| Return on Equity (ROE) | 7.8706% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.8706% | 1,018 |
| Net charge-offs to loans | 0.0155% | 3,164 |
| Credit loss provision to net charge-offs | 652.6316% | 480 |
| Earnings coverage of net charge-offs (x) | 112.1579% | 618 |
| Efficiency ratio | 67.6058% | 2,514 |
| Assets per employee ($millions) | 5.4806% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 1,071 |
| Loan loss allowance to noncurrent loans | 842.0438% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 3,918 |
| Noncurrent loans to loans | 0.1850% | 3,790 |
| Net loans and leases to total assets | 76.4653% | 1,329 |
| Net loans and leases to deposits | 88.0157% | 1,841 |
| Net loans and leases to core deposits | 90.5458% | 2,372 |
| Total domestic deposits to total assets | 86.8769% | 1,674 |
| Equity capital to assets | 12.6038% | 1,770 |
| Core capital (leverage) ratio | 12.4752% | 1,500 |
| Tier 1 risk-based capital ratio | 16.5346% | 2,204 |
| Total risk-based capital ratio | 17.7888% | 2,144 |
| Memoranda: | ||
| Average total assets | $467,213,200 | 1,503 |
| Average earning assets | $427,827,400 | 1,514 |
| Average equity | $57,594,400 | 1,409 |
| Average total loans | $368,679,800 | 1,360 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 3,201 |
| Cost of funding earning assets | 0.2862% | 4,828 |
| Net interest margin | 4.1664% | 1,455 |
| Noninterest income to average assets | 0.3984% | 3,329 |
| Noninterest expense to average assets | 2.8441% | 2,424 |
| Loan and lease loss provision to assets | 0.0628% | 2,639 |
| Net operating income to assets | 0.9564% | 3,142 |
| Return on assets (ROA) | 0.9813% | 3,126 |
| Pretax return on assets | 1.3358% | 2,543 |
| Return on Equity (ROE) | 8.0065% | 3,304 |
| Retained earnings to average equity (ytd only) | 8.0065% | 1,388 |
| Net charge-offs to loans | 0.0206% | 2,698 |
| Credit loss provision to net charge-offs | 384.2105% | 790 |
| Earnings coverage of net charge-offs (x) | 83.6120% | 837 |
| Efficiency ratio | 67.5363% | 2,493 |
| Assets per employee ($millions) | 5.4017% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,213 |
| Loan loss allowance to noncurrent loans | 809.0778% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,008 |
| Noncurrent loans to loans | 0.1869% | 3,868 |
| Net loans and leases to total assets | 77.8189% | 1,173 |
| Net loans and leases to deposits | 89.7122% | 1,733 |
| Net loans and leases to core deposits | 92.2371% | 2,342 |
| Total domestic deposits to total assets | 86.7428% | 1,654 |
| Equity capital to assets | 12.5503% | 1,877 |
| Core capital (leverage) ratio | 12.4625% | 1,592 |
| Tier 1 risk-based capital ratio | 16.2405% | 2,354 |
| Total risk-based capital ratio | 17.4943% | 2,280 |
| Memoranda: | ||
| Average total assets | $464,812,500 | 1,515 |
| Average earning assets | $425,363,750 | 1,536 |
| Average equity | $56,968,750 | 1,422 |
| Average total loans | $368,258,000 | 1,373 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 3,187 |
| Cost of funding earning assets | 0.2720% | 4,897 |
| Net interest margin | 4.1759% | 1,420 |
| Noninterest income to average assets | 0.3800% | 3,401 |
| Noninterest expense to average assets | 2.8214% | 2,514 |
| Loan and lease loss provision to assets | 0.0946% | 1,961 |
| Net operating income to assets | 0.9544% | 3,082 |
| Return on assets (ROA) | 0.9544% | 3,153 |
| Pretax return on assets | 1.2831% | 2,624 |
| Return on Equity (ROE) | 7.8510% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.8510% | 1,449 |
| Net charge-offs to loans | 0.0310% | 2,233 |
| Credit loss provision to net charge-offs | 384.2105% | 746 |
| Earnings coverage of net charge-offs (x) | 55.9649% | 1,027 |
| Efficiency ratio | 67.1912% | 2,660 |
| Assets per employee ($millions) | 5.5692% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,187 |
| Loan loss allowance to noncurrent loans | 628.7794% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,819 |
| Noncurrent loans to loans | 0.2430% | 3,667 |
| Net loans and leases to total assets | 77.3594% | 1,335 |
| Net loans and leases to deposits | 88.8481% | 1,882 |
| Net loans and leases to core deposits | 91.3948% | 2,471 |
| Total domestic deposits to total assets | 87.0692% | 1,568 |
| Equity capital to assets | 12.3410% | 1,947 |
| Core capital (leverage) ratio | 12.2404% | 1,680 |
| Tier 1 risk-based capital ratio | 16.0402% | 2,394 |
| Total risk-based capital ratio | 17.2940% | 2,334 |
| Memoranda: | ||
| Average total assets | $463,100,000 | 1,528 |
| Average earning assets | $423,523,000 | 1,542 |
| Average equity | $56,298,330 | 1,426 |
| Average total loans | $367,235,670 | 1,379 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,153 |
| Cost of funding earning assets | 0.2338% | 5,030 |
| Net interest margin | 4.1854% | 1,330 |
| Noninterest income to average assets | 0.3716% | 3,371 |
| Noninterest expense to average assets | 2.8146% | 2,523 |
| Loan and lease loss provision to assets | 0.1302% | 1,342 |
| Net operating income to assets | 0.9506% | 3,044 |
| Return on assets (ROA) | 0.9506% | 3,088 |
| Pretax return on assets | 1.2502% | 2,628 |
| Return on Equity (ROE) | 7.8804% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.8804% | 1,711 |
| Net charge-offs to loans | 0.0621% | 1,418 |
| Credit loss provision to net charge-offs | 263.1579% | 899 |
| Earnings coverage of net charge-offs (x) | 27.8947% | 1,369 |
| Efficiency ratio | 67.0944% | 2,783 |
| Assets per employee ($millions) | 5.4828% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,304 |
| Loan loss allowance to noncurrent loans | 541.6016% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 3,746 |
| Noncurrent loans to loans | 0.2789% | 3,566 |
| Net loans and leases to total assets | 77.5795% | 1,222 |
| Net loans and leases to deposits | 88.7913% | 1,771 |
| Net loans and leases to core deposits | 90.9777% | 2,403 |
| Total domestic deposits to total assets | 87.3729% | 1,623 |
| Equity capital to assets | 12.0750% | 1,976 |
| Core capital (leverage) ratio | 12.2929% | 1,610 |
| Tier 1 risk-based capital ratio | 15.8248% | 2,519 |
| Total risk-based capital ratio | 17.0787% | 2,449 |
| Memoranda: | ||
| Average total assets | $460,743,000 | 1,545 |
| Average earning assets | $420,895,000 | 1,554 |
| Average equity | $55,581,000 | 1,435 |
| Average total loans | $367,097,000 | 1,384 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 3,188 |
| Cost of funding earning assets | 0.1431% | 5,194 |
| Net interest margin | 4.1330% | 1,578 |
| Noninterest income to average assets | 0.4016% | 3,431 |
| Noninterest expense to average assets | 2.8259% | 2,598 |
| Loan and lease loss provision to assets | 0.1257% | 1,748 |
| Net operating income to assets | 0.9376% | 3,290 |
| Return on assets (ROA) | 0.9145% | 3,374 |
| Pretax return on assets | 1.1868% | 2,923 |
| Return on Equity (ROE) | 7.9028% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.9028% | 1,283 |
| Net charge-offs to loans | 0.0088% | 3,373 |
| Credit loss provision to net charge-offs | 1,845.1613% | 238 |
| Earnings coverage of net charge-offs (x) | 196.9032% | 464 |
| Efficiency ratio | 67.8042% | 2,577 |
| Assets per employee ($millions) | 5.3582% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,339 |
| Loan loss allowance to noncurrent loans | 491.2613% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,623 |
| Noncurrent loans to loans | 0.3024% | 3,471 |
| Net loans and leases to total assets | 79.4042% | 1,038 |
| Net loans and leases to deposits | 90.8795% | 1,689 |
| Net loans and leases to core deposits | 92.0038% | 2,407 |
| Total domestic deposits to total assets | 87.3731% | 1,594 |
| Equity capital to assets | 12.0514% | 1,861 |
| Core capital (leverage) ratio | 11.9519% | 1,770 |
| Tier 1 risk-based capital ratio | 15.4824% | 2,630 |
| Total risk-based capital ratio | 16.7360% | 2,548 |
| Memoranda: | ||
| Average total assets | $454,905,400 | 1,522 |
| Average earning assets | $414,514,000 | 1,542 |
| Average equity | $52,639,600 | 1,447 |
| Average total loans | $351,245,000 | 1,400 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,206 |
| Cost of funding earning assets | 0.1239% | 5,291 |
| Net interest margin | 4.1054% | 1,608 |
| Noninterest income to average assets | 0.3460% | 3,831 |
| Noninterest expense to average assets | 2.7468% | 2,826 |
| Loan and lease loss provision to assets | 0.1237% | 1,625 |
| Net operating income to assets | 0.9347% | 3,372 |
| Return on assets (ROA) | 0.9039% | 3,512 |
| Pretax return on assets | 1.1759% | 3,090 |
| Return on Equity (ROE) | 7.8932% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.8932% | 1,703 |
| Net charge-offs to loans | 0.0119% | 2,986 |
| Credit loss provision to net charge-offs | 1,361.2903% | 298 |
| Earnings coverage of net charge-offs (x) | 147.2986% | 551 |
| Efficiency ratio | 67.2336% | 2,675 |
| Assets per employee ($millions) | 5.5511% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,436 |
| Loan loss allowance to noncurrent loans | 470.9591% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,731 |
| Noncurrent loans to loans | 0.3132% | 3,547 |
| Net loans and leases to total assets | 76.8818% | 1,518 |
| Net loans and leases to deposits | 87.6956% | 2,190 |
| Net loans and leases to core deposits | 88.8246% | 2,764 |
| Total domestic deposits to total assets | 87.6689% | 1,411 |
| Equity capital to assets | 11.6103% | 2,171 |
| Core capital (leverage) ratio | 11.8207% | 1,904 |
| Tier 1 risk-based capital ratio | 15.2945% | 2,745 |
| Total risk-based capital ratio | 16.5475% | 2,667 |
| Memoranda: | ||
| Average total assets | $454,769,750 | 1,534 |
| Average earning assets | $414,238,000 | 1,556 |
| Average equity | $52,077,500 | 1,465 |
| Average total loans | $347,281,750 | 1,420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,145 |
| Cost of funding earning assets | 0.1053% | 5,393 |
| Net interest margin | 4.0862% | 1,602 |
| Noninterest income to average assets | 0.3724% | 3,669 |
| Noninterest expense to average assets | 2.7599% | 2,808 |
| Loan and lease loss provision to assets | 0.1215% | 1,620 |
| Net operating income to assets | 0.9285% | 3,326 |
| Return on assets (ROA) | 0.8821% | 3,541 |
| Pretax return on assets | 1.1533% | 3,123 |
| Return on Equity (ROE) | 7.7395% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.7395% | 1,735 |
| Net charge-offs to loans | 0.0181% | 2,536 |
| Credit loss provision to net charge-offs | 887.0968% | 459 |
| Earnings coverage of net charge-offs (x) | 97.3871% | 709 |
| Efficiency ratio | 67.4220% | 2,745 |
| Assets per employee ($millions) | 5.6973% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,549 |
| Loan loss allowance to noncurrent loans | 399.3803% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,637 |
| Noncurrent loans to loans | 0.3636% | 3,393 |
| Net loans and leases to total assets | 76.7635% | 1,514 |
| Net loans and leases to deposits | 87.3859% | 2,174 |
| Net loans and leases to core deposits | 88.1126% | 2,710 |
| Total domestic deposits to total assets | 87.8442% | 1,451 |
| Equity capital to assets | 11.5228% | 2,183 |
| Core capital (leverage) ratio | 11.7025% | 1,908 |
| Tier 1 risk-based capital ratio | 14.9765% | 2,887 |
| Total risk-based capital ratio | 16.2291% | 2,808 |
| Memoranda: | ||
| Average total assets | $452,778,000 | 1,550 |
| Average earning assets | $412,311,330 | 1,565 |
| Average equity | $51,605,330 | 1,476 |
| Average total loans | $343,198,330 | 1,433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,082 |
| Cost of funding earning assets | 0.1033% | 5,457 |
| Net interest margin | 4.0397% | 1,597 |
| Noninterest income to average assets | 0.3634% | 3,710 |
| Noninterest expense to average assets | 2.7814% | 2,764 |
| Loan and lease loss provision to assets | 0.1188% | 1,589 |
| Net operating income to assets | 0.8702% | 3,414 |
| Return on assets (ROA) | 0.8660% | 3,444 |
| Pretax return on assets | 1.1337% | 3,034 |
| Return on Equity (ROE) | 7.6405% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.6405% | 1,974 |
| Net charge-offs to loans | 0.0368% | 1,785 |
| Credit loss provision to net charge-offs | 432.2581% | 659 |
| Earnings coverage of net charge-offs (x) | 45.7742% | 987 |
| Efficiency ratio | 68.8611% | 2,689 |
| Assets per employee ($millions) | 5.5577% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,631 |
| Loan loss allowance to noncurrent loans | 199.2451% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 2,680 |
| Noncurrent loans to loans | 0.7312% | 2,382 |
| Net loans and leases to total assets | 74.4294% | 1,797 |
| Net loans and leases to deposits | 84.4700% | 2,344 |
| Net loans and leases to core deposits | 85.2875% | 2,862 |
| Total domestic deposits to total assets | 88.1134% | 1,552 |
| Equity capital to assets | 11.3014% | 2,299 |
| Core capital (leverage) ratio | 11.5745% | 1,957 |
| Tier 1 risk-based capital ratio | 15.0604% | 2,841 |
| Total risk-based capital ratio | 16.3129% | 2,779 |
| Memoranda: | ||
| Average total assets | $451,276,000 | 1,567 |
| Average earning assets | $410,625,500 | 1,580 |
| Average equity | $51,148,500 | 1,501 |
| Average total loans | $337,282,500 | 1,459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,526 |
| Cost of funding earning assets | 0.1017% | 5,490 |
| Net interest margin | 3.8594% | 2,231 |
| Noninterest income to average assets | 0.4662% | 3,215 |
| Noninterest expense to average assets | 2.6694% | 3,231 |
| Loan and lease loss provision to assets | 0.1471% | 1,550 |
| Net operating income to assets | 0.6652% | 3,754 |
| Return on assets (ROA) | 0.6672% | 3,790 |
| Pretax return on assets | 1.1689% | 2,902 |
| Return on Equity (ROE) | 6.0012% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.0012% | 1,542 |
| Net charge-offs to loans | 0.1310% | 1,744 |
| Credit loss provision to net charge-offs | 159.6107% | 1,671 |
| Earnings coverage of net charge-offs (x) | 14.2433% | 2,342 |
| Efficiency ratio | 67.0327% | 3,073 |
| Assets per employee ($millions) | 5.3193% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,449 |
| Loan loss allowance to noncurrent loans | 193.0818% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 2,641 |
| Noncurrent loans to loans | 0.7701% | 2,285 |
| Net loans and leases to total assets | 72.8346% | 2,117 |
| Net loans and leases to deposits | 82.7286% | 2,638 |
| Net loans and leases to core deposits | 83.5486% | 3,096 |
| Total domestic deposits to total assets | 88.0404% | 1,476 |
| Equity capital to assets | 11.3676% | 2,311 |
| Core capital (leverage) ratio | 11.2497% | 2,129 |
| Tier 1 risk-based capital ratio | 15.4335% | 2,647 |
| Total risk-based capital ratio | 16.6863% | 2,588 |
| Memoranda: | ||
| Average total assets | $445,903,600 | 1,558 |
| Average earning assets | $406,231,000 | 1,577 |
| Average equity | $49,573,200 | 1,530 |
| Average total loans | $313,719,800 | 1,511 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,634 |
| Cost of funding earning assets | 0.1001% | 5,556 |
| Net interest margin | 3.8160% | 2,339 |
| Noninterest income to average assets | 0.4721% | 3,198 |
| Noninterest expense to average assets | 2.6132% | 3,372 |
| Loan and lease loss provision to assets | 0.1568% | 1,318 |
| Net operating income to assets | 0.7614% | 3,688 |
| Return on assets (ROA) | 0.7668% | 3,717 |
| Pretax return on assets | 1.1895% | 2,946 |
| Return on Equity (ROE) | 6.9360% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.9360% | 1,726 |
| Net charge-offs to loans | 0.1447% | 1,380 |
| Credit loss provision to net charge-offs | 155.9524% | 1,638 |
| Earnings coverage of net charge-offs (x) | 13.3095% | 2,358 |
| Efficiency ratio | 66.1392% | 3,184 |
| Assets per employee ($millions) | 5.7071% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,515 |
| Loan loss allowance to noncurrent loans | 198.8939% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,923 |
| Noncurrent loans to loans | 0.7568% | 2,467 |
| Net loans and leases to total assets | 69.5776% | 2,618 |
| Net loans and leases to deposits | 78.9250% | 3,075 |
| Net loans and leases to core deposits | 79.5731% | 3,481 |
| Total domestic deposits to total assets | 88.1566% | 1,278 |
| Equity capital to assets | 11.0928% | 2,770 |
| Core capital (leverage) ratio | 11.2218% | 2,246 |
| Tier 1 risk-based capital ratio | 15.5214% | 2,698 |
| Total risk-based capital ratio | 16.7743% | 2,646 |
| Memoranda: | ||
| Average total assets | $445,674,000 | 1,570 |
| Average earning assets | $406,315,750 | 1,586 |
| Average equity | $49,268,250 | 1,548 |
| Average total loans | $309,561,500 | 1,534 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 3,626 |
| Cost of funding earning assets | 0.0953% | 5,612 |
| Net interest margin | 3.7852% | 2,345 |
| Noninterest income to average assets | 0.4701% | 3,220 |
| Noninterest expense to average assets | 2.6414% | 3,304 |
| Loan and lease loss provision to assets | 0.1796% | 1,057 |
| Net operating income to assets | 0.7107% | 3,797 |
| Return on assets (ROA) | 0.7257% | 3,799 |
| Pretax return on assets | 1.1239% | 3,074 |
| Return on Equity (ROE) | 6.5726% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.5726% | 1,805 |
| Net charge-offs to loans | 0.2202% | 925 |
| Credit loss provision to net charge-offs | 118.1548% | 1,800 |
| Earnings coverage of net charge-offs (x) | 8.4226% | 2,512 |
| Efficiency ratio | 67.3512% | 3,123 |
| Assets per employee ($millions) | 5.3915% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,616 |
| Loan loss allowance to noncurrent loans | 156.8679% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,529 |
| Noncurrent loans to loans | 0.9492% | 2,058 |
| Net loans and leases to total assets | 69.8993% | 2,542 |
| Net loans and leases to deposits | 79.2333% | 3,002 |
| Net loans and leases to core deposits | 79.8980% | 3,428 |
| Total domestic deposits to total assets | 88.2195% | 1,347 |
| Equity capital to assets | 11.1014% | 2,703 |
| Core capital (leverage) ratio | 11.2340% | 2,194 |
| Tier 1 risk-based capital ratio | 15.4492% | 2,728 |
| Total risk-based capital ratio | 16.7020% | 2,663 |
| Memoranda: | ||
| Average total assets | $442,043,670 | 1,586 |
| Average earning assets | $403,097,330 | 1,603 |
| Average equity | $48,809,000 | 1,564 |
| Average total loans | $305,241,330 | 1,552 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8124% | 3,720 |
| Cost of funding earning assets | 0.0958% | 5,671 |
| Net interest margin | 3.7167% | 2,431 |
| Noninterest income to average assets | 0.4889% | 3,052 |
| Noninterest expense to average assets | 2.6459% | 3,321 |
| Loan and lease loss provision to assets | 0.2149% | 750 |
| Net operating income to assets | 0.6592% | 3,887 |
| Return on assets (ROA) | 0.6592% | 3,927 |
| Pretax return on assets | 1.0198% | 3,287 |
| Return on Equity (ROE) | 5.9866% | 3,914 |
| Retained earnings to average equity (ytd only) | 5.9866% | 2,345 |
| Net charge-offs to loans | 0.3022% | 615 |
| Credit loss provision to net charge-offs | 104.4248% | 1,521 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,242 |
| Efficiency ratio | 68.1840% | 3,163 |
| Assets per employee ($millions) | 5.5120% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,533 |
| Loan loss allowance to noncurrent loans | 146.7985% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 2,489 |
| Noncurrent loans to loans | 1.0510% | 1,956 |
| Net loans and leases to total assets | 67.6834% | 2,728 |
| Net loans and leases to deposits | 76.3420% | 3,158 |
| Net loans and leases to core deposits | 76.9877% | 3,564 |
| Total domestic deposits to total assets | 88.6581% | 1,342 |
| Equity capital to assets | 11.0561% | 2,579 |
| Core capital (leverage) ratio | 11.2089% | 2,177 |
| Tier 1 risk-based capital ratio | 15.6534% | 2,692 |
| Total risk-based capital ratio | 16.9065% | 2,625 |
| Memoranda: | ||
| Average total assets | $439,318,500 | 1,608 |
| Average earning assets | $400,897,500 | 1,620 |
| Average equity | $48,374,500 | 1,575 |
| Average total loans | $299,100,500 | 1,585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,670 |
| Cost of funding earning assets | 0.1050% | 5,680 |
| Net interest margin | 3.7682% | 2,437 |
| Noninterest income to average assets | 0.5525% | 2,900 |
| Noninterest expense to average assets | 2.8140% | 2,980 |
| Loan and lease loss provision to assets | 0.1403% | 1,778 |
| Net operating income to assets | 0.6644% | 3,931 |
| Return on assets (ROA) | 0.7278% | 3,762 |
| Pretax return on assets | 1.1338% | 2,953 |
| Return on Equity (ROE) | 6.6222% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.6222% | 1,397 |
| Net charge-offs to loans | 0.0180% | 3,704 |
| Credit loss provision to net charge-offs | 1,168.6275% | 339 |
| Earnings coverage of net charge-offs (x) | 97.9020% | 610 |
| Efficiency ratio | 70.5445% | 2,822 |
| Assets per employee ($millions) | 5.5402% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,418 |
| Loan loss allowance to noncurrent loans | 344.9372% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 4,036 |
| Noncurrent loans to loans | 0.4585% | 3,513 |
| Net loans and leases to total assets | 66.3504% | 3,020 |
| Net loans and leases to deposits | 74.7162% | 3,446 |
| Net loans and leases to core deposits | 75.5024% | 3,791 |
| Total domestic deposits to total assets | 88.8032% | 1,205 |
| Equity capital to assets | 10.9661% | 2,653 |
| Core capital (leverage) ratio | 11.1689% | 2,196 |
| Tier 1 risk-based capital ratio | 16.0309% | 2,531 |
| Total risk-based capital ratio | 17.2846% | 2,471 |
| Memoranda: | ||
| Average total assets | $424,953,400 | 1,601 |
| Average earning assets | $387,531,800 | 1,613 |
| Average equity | $46,706,800 | 1,619 |
| Average total loans | $282,734,600 | 1,607 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,606 |
| Cost of funding earning assets | 0.1064% | 5,746 |
| Net interest margin | 3.7875% | 2,375 |
| Noninterest income to average assets | 0.5330% | 3,030 |
| Noninterest expense to average assets | 2.8514% | 2,821 |
| Loan and lease loss provision to assets | 0.1144% | 2,023 |
| Net operating income to assets | 0.6545% | 4,062 |
| Return on assets (ROA) | 0.7397% | 3,779 |
| Pretax return on assets | 1.1538% | 3,027 |
| Return on Equity (ROE) | 6.7262% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.7262% | 1,772 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5249% | 2,646 |
| Assets per employee ($millions) | 5.5655% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 1,675 |
| Loan loss allowance to noncurrent loans | 338.1599% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 4,191 |
| Noncurrent loans to loans | 0.4511% | 3,658 |
| Net loans and leases to total assets | 66.6821% | 3,006 |
| Net loans and leases to deposits | 75.2024% | 3,477 |
| Net loans and leases to core deposits | 75.9448% | 3,840 |
| Total domestic deposits to total assets | 88.6702% | 1,067 |
| Equity capital to assets | 10.9723% | 3,039 |
| Core capital (leverage) ratio | 11.0404% | 2,407 |
| Tier 1 risk-based capital ratio | 15.7712% | 2,712 |
| Total risk-based capital ratio | 17.0242% | 2,649 |
| Memoranda: | ||
| Average total assets | $421,772,250 | 1,609 |
| Average earning assets | $384,585,000 | 1,627 |
| Average equity | $46,384,500 | 1,634 |
| Average total loans | $279,651,250 | 1,616 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,500 |
| Cost of funding earning assets | 0.1082% | 5,822 |
| Net interest margin | 3.8210% | 2,238 |
| Noninterest income to average assets | 0.5200% | 3,065 |
| Noninterest expense to average assets | 2.8803% | 2,741 |
| Loan and lease loss provision to assets | 0.1183% | 1,928 |
| Net operating income to assets | 0.6429% | 4,082 |
| Return on assets (ROA) | 0.7480% | 3,712 |
| Pretax return on assets | 1.1689% | 2,910 |
| Return on Equity (ROE) | 6.7959% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.7959% | 1,717 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9498% | 2,663 |
| Assets per employee ($millions) | 5.4177% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,771 |
| Loan loss allowance to noncurrent loans | 328.0030% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 4,235 |
| Noncurrent loans to loans | 0.4651% | 3,699 |
| Net loans and leases to total assets | 66.7349% | 2,975 |
| Net loans and leases to deposits | 75.3067% | 3,453 |
| Net loans and leases to core deposits | 76.0703% | 3,816 |
| Total domestic deposits to total assets | 88.6175% | 1,108 |
| Equity capital to assets | 11.1203% | 2,928 |
| Core capital (leverage) ratio | 11.1079% | 2,321 |
| Tier 1 risk-based capital ratio | 15.8324% | 2,723 |
| Total risk-based capital ratio | 17.0854% | 2,658 |
| Memoranda: | ||
| Average total assets | $417,659,000 | 1,624 |
| Average earning assets | $380,742,670 | 1,642 |
| Average equity | $45,968,670 | 1,652 |
| Average total loans | $274,882,000 | 1,642 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,908 |
| Cost of funding earning assets | 0.1100% | 5,868 |
| Net interest margin | 3.7004% | 2,669 |
| Noninterest income to average assets | 0.4778% | 3,283 |
| Noninterest expense to average assets | 2.9181% | 2,640 |
| Loan and lease loss provision to assets | 0.1310% | 1,612 |
| Net operating income to assets | 0.5166% | 4,556 |
| Return on assets (ROA) | 0.6137% | 4,233 |
| Pretax return on assets | 0.9489% | 3,666 |
| Return on Equity (ROE) | 5.6053% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.6053% | 2,577 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8198% | 2,200 |
| Assets per employee ($millions) | 5.2062% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,818 |
| Loan loss allowance to noncurrent loans | 317.2876% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 4,278 |
| Noncurrent loans to loans | 0.4857% | 3,725 |
| Net loans and leases to total assets | 65.3192% | 3,060 |
| Net loans and leases to deposits | 73.5974% | 3,484 |
| Net loans and leases to core deposits | 74.2855% | 3,862 |
| Total domestic deposits to total assets | 88.7521% | 1,226 |
| Equity capital to assets | 11.0500% | 2,885 |
| Core capital (leverage) ratio | 11.1176% | 2,293 |
| Tier 1 risk-based capital ratio | 16.0590% | 2,657 |
| Total risk-based capital ratio | 17.3121% | 2,608 |
| Memoranda: | ||
| Average total assets | $415,199,500 | 1,635 |
| Average earning assets | $378,228,000 | 1,651 |
| Average equity | $45,457,000 | 1,660 |
| Average total loans | $269,135,000 | 1,673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,544 |
| Cost of funding earning assets | 0.1236% | 5,863 |
| Net interest margin | 3.8209% | 2,301 |
| Noninterest income to average assets | 0.5363% | 3,100 |
| Noninterest expense to average assets | 2.8865% | 2,900 |
| Loan and lease loss provision to assets | 0.1719% | 1,330 |
| Net operating income to assets | 0.6073% | 4,238 |
| Return on assets (ROA) | 0.6321% | 4,221 |
| Pretax return on assets | 0.9741% | 3,566 |
| Return on Equity (ROE) | 5.7428% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7428% | 1,932 |
| Net charge-offs to loans | 0.0194% | 3,879 |
| Credit loss provision to net charge-offs | 1,368.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 88.1600% | 643 |
| Efficiency ratio | 72.2645% | 2,858 |
| Assets per employee ($millions) | 5.1738% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,709 |
| Loan loss allowance to noncurrent loans | 274.6169% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,137 |
| Noncurrent loans to loans | 0.5730% | 3,453 |
| Net loans and leases to total assets | 62.2943% | 3,514 |
| Net loans and leases to deposits | 70.1732% | 3,904 |
| Net loans and leases to core deposits | 70.8010% | 4,233 |
| Total domestic deposits to total assets | 88.7722% | 1,243 |
| Equity capital to assets | 10.8458% | 2,984 |
| Core capital (leverage) ratio | 10.9931% | 2,413 |
| Tier 1 risk-based capital ratio | 16.5707% | 2,441 |
| Total risk-based capital ratio | 17.8239% | 2,397 |
| Memoranda: | ||
| Average total assets | $397,887,000 | 1,659 |
| Average earning assets | $360,099,600 | 1,675 |
| Average equity | $43,793,600 | 1,681 |
| Average total loans | $257,563,600 | 1,683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 3,359 |
| Cost of funding earning assets | 0.1250% | 5,946 |
| Net interest margin | 3.8722% | 2,124 |
| Noninterest income to average assets | 0.5497% | 3,056 |
| Noninterest expense to average assets | 2.9135% | 2,803 |
| Loan and lease loss provision to assets | 0.1621% | 1,316 |
| Net operating income to assets | 0.6337% | 4,222 |
| Return on assets (ROA) | 0.6564% | 4,211 |
| Pretax return on assets | 1.0101% | 3,575 |
| Return on Equity (ROE) | 5.9405% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.9405% | 2,285 |
| Net charge-offs to loans | 0.0208% | 3,520 |
| Credit loss provision to net charge-offs | 1,197.5000% | 320 |
| Earnings coverage of net charge-offs (x) | 84.0032% | 717 |
| Efficiency ratio | 71.9228% | 2,896 |
| Assets per employee ($millions) | 5.1323% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 2,083 |
| Loan loss allowance to noncurrent loans | 200.3571% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 3,900 |
| Noncurrent loans to loans | 0.7572% | 3,068 |
| Net loans and leases to total assets | 62.0854% | 3,593 |
| Net loans and leases to deposits | 69.8995% | 3,999 |
| Net loans and leases to core deposits | 70.5294% | 4,321 |
| Total domestic deposits to total assets | 88.8210% | 1,118 |
| Equity capital to assets | 10.8819% | 3,152 |
| Core capital (leverage) ratio | 11.1017% | 2,388 |
| Tier 1 risk-based capital ratio | 16.5158% | 2,564 |
| Total risk-based capital ratio | 17.7680% | 2,529 |
| Memoranda: | ||
| Average total assets | $393,883,000 | 1,685 |
| Average earning assets | $356,137,250 | 1,708 |
| Average equity | $43,519,250 | 1,702 |
| Average total loans | $256,464,500 | 1,698 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,735 |
| Cost of funding earning assets | 0.1274% | 5,999 |
| Net interest margin | 3.7615% | 2,470 |
| Noninterest income to average assets | 0.5969% | 2,760 |
| Noninterest expense to average assets | 3.0109% | 2,520 |
| Loan and lease loss provision to assets | 0.1416% | 1,541 |
| Net operating income to assets | 0.5542% | 4,540 |
| Return on assets (ROA) | 0.5892% | 4,492 |
| Pretax return on assets | 0.8884% | 3,995 |
| Return on Equity (ROE) | 5.3046% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.3046% | 2,667 |
| Net charge-offs to loans | 0.0313% | 3,031 |
| Credit loss provision to net charge-offs | 687.5000% | 491 |
| Earnings coverage of net charge-offs (x) | 47.4250% | 995 |
| Efficiency ratio | 75.5005% | 2,454 |
| Assets per employee ($millions) | 4.9655% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 2,610 |
| Loan loss allowance to noncurrent loans | 98.1545% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 2,595 |
| Noncurrent loans to loans | 1.4577% | 1,820 |
| Net loans and leases to total assets | 65.3834% | 3,069 |
| Net loans and leases to deposits | 73.7434% | 3,520 |
| Net loans and leases to core deposits | 74.4431% | 3,914 |
| Total domestic deposits to total assets | 88.6634% | 1,320 |
| Equity capital to assets | 11.1289% | 2,744 |
| Core capital (leverage) ratio | 11.0701% | 2,357 |
| Tier 1 risk-based capital ratio | 16.2448% | 2,737 |
| Total risk-based capital ratio | 17.4963% | 2,688 |
| Memoranda: | ||
| Average total assets | $388,317,000 | 1,714 |
| Average earning assets | $350,073,670 | 1,746 |
| Average equity | $43,132,670 | 1,720 |
| Average total loans | $255,673,330 | 1,708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,679 |
| Cost of funding earning assets | 0.1300% | 6,062 |
| Net interest margin | 3.7543% | 2,416 |
| Noninterest income to average assets | 0.5146% | 3,191 |
| Noninterest expense to average assets | 2.9622% | 2,697 |
| Loan and lease loss provision to assets | 0.1294% | 1,605 |
| Net operating income to assets | 0.5140% | 4,607 |
| Return on assets (ROA) | 0.5663% | 4,521 |
| Pretax return on assets | 0.8842% | 3,948 |
| Return on Equity (ROE) | 5.1037% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.1037% | 3,001 |
| Net charge-offs to loans | 0.0079% | 3,062 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 309 |
| Efficiency ratio | 76.0702% | 2,503 |
| Assets per employee ($millions) | 5.1419% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,872 |
| Loan loss allowance to noncurrent loans | 124.7148% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 3,271 |
| Noncurrent loans to loans | 1.1299% | 2,513 |
| Net loans and leases to total assets | 64.5978% | 3,008 |
| Net loans and leases to deposits | 72.7330% | 3,465 |
| Net loans and leases to core deposits | 73.5163% | 3,824 |
| Total domestic deposits to total assets | 88.8150% | 1,382 |
| Equity capital to assets | 11.0532% | 2,915 |
| Core capital (leverage) ratio | 11.0456% | 2,368 |
| Tier 1 risk-based capital ratio | 16.1827% | 2,832 |
| Total risk-based capital ratio | 17.4340% | 2,773 |
| Memoranda: | ||
| Average total assets | $386,337,000 | 1,727 |
| Average earning assets | $347,758,500 | 1,772 |
| Average equity | $42,871,000 | 1,734 |
| Average total loans | $253,406,500 | 1,714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,071 |
| Cost of funding earning assets | 0.1507% | 6,097 |
| Net interest margin | 3.7641% | 2,755 |
| Noninterest income to average assets | 0.4897% | 3,585 |
| Noninterest expense to average assets | 3.0895% | 2,557 |
| Loan and lease loss provision to assets | -0.0485% | 6,026 |
| Net operating income to assets | 0.5395% | 4,638 |
| Return on assets (ROA) | 0.5322% | 4,762 |
| Pretax return on assets | 0.8248% | 4,169 |
| Return on Equity (ROE) | 4.8685% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.8685% | 2,699 |
| Net charge-offs to loans | 0.0997% | 3,084 |
| Credit loss provision to net charge-offs | -75.1020% | 5,471 |
| Earnings coverage of net charge-offs (x) | 12.1837% | 2,409 |
| Efficiency ratio | 79.6870% | 1,982 |
| Assets per employee ($millions) | 4.7736% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 2,990 |
| Loan loss allowance to noncurrent loans | 114.1361% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 3,207 |
| Noncurrent loans to loans | 1.2187% | 2,412 |
| Net loans and leases to total assets | 64.7514% | 3,099 |
| Net loans and leases to deposits | 72.9499% | 3,561 |
| Net loans and leases to core deposits | 73.7519% | 3,941 |
| Total domestic deposits to total assets | 88.7614% | 1,381 |
| Equity capital to assets | 11.1414% | 2,765 |
| Core capital (leverage) ratio | 11.1382% | 2,274 |
| Tier 1 risk-based capital ratio | 16.5440% | 2,696 |
| Total risk-based capital ratio | 17.7952% | 2,640 |
| Memoranda: | ||
| Average total assets | $379,021,800 | 1,731 |
| Average earning assets | $341,093,800 | 1,751 |
| Average equity | $41,429,200 | 1,729 |
| Average total loans | $245,697,000 | 1,715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,107 |
| Cost of funding earning assets | 0.1546% | 6,158 |
| Net interest margin | 3.7626% | 2,765 |
| Noninterest income to average assets | 0.4828% | 3,664 |
| Noninterest expense to average assets | 3.1145% | 2,429 |
| Loan and lease loss provision to assets | -0.0913% | 6,256 |
| Net operating income to assets | 0.5461% | 4,688 |
| Return on assets (ROA) | 0.5445% | 4,774 |
| Pretax return on assets | 0.8444% | 4,206 |
| Return on Equity (ROE) | 5.0060% | 4,716 |
| Retained earnings to average equity (ytd only) | 5.0060% | 3,077 |
| Net charge-offs to loans | 0.1315% | 2,482 |
| Credit loss provision to net charge-offs | -107.4689% | 5,468 |
| Earnings coverage of net charge-offs (x) | 8.8962% | 2,738 |
| Efficiency ratio | 80.4754% | 1,849 |
| Assets per employee ($millions) | 4.8744% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 3,390 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1831% | 2,588 |
| Noncurrent loans to loans | 1.8025% | 1,796 |
| Net loans and leases to total assets | 64.7519% | 3,068 |
| Net loans and leases to deposits | 72.9255% | 3,578 |
| Net loans and leases to core deposits | 73.7128% | 3,973 |
| Total domestic deposits to total assets | 88.7918% | 1,359 |
| Equity capital to assets | 10.9147% | 3,055 |
| Core capital (leverage) ratio | 10.9224% | 2,561 |
| Tier 1 risk-based capital ratio | 16.2021% | 2,956 |
| Total risk-based capital ratio | 17.4528% | 2,912 |
| Memoranda: | ||
| Average total assets | $378,304,750 | 1,745 |
| Average earning assets | $340,570,000 | 1,764 |
| Average equity | $41,149,500 | 1,745 |
| Average total loans | $244,429,500 | 1,733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 4,042 |
| Cost of funding earning assets | 0.1628% | 6,173 |
| Net interest margin | 3.7608% | 2,712 |
| Noninterest income to average assets | 0.4882% | 3,568 |
| Noninterest expense to average assets | 3.2342% | 2,087 |
| Loan and lease loss provision to assets | -0.1776% | 6,447 |
| Net operating income to assets | 0.5320% | 4,686 |
| Return on assets (ROA) | 0.5292% | 4,784 |
| Pretax return on assets | 0.8180% | 4,203 |
| Return on Equity (ROE) | 4.8708% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.8708% | 3,035 |
| Net charge-offs to loans | 0.0513% | 3,237 |
| Credit loss provision to net charge-offs | -538.7097% | 5,588 |
| Earnings coverage of net charge-offs (x) | 19.5484% | 1,616 |
| Efficiency ratio | 83.3813% | 1,584 |
| Assets per employee ($millions) | 4.9192% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 3,249 |
| Loan loss allowance to noncurrent loans | 67.4005% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3973% | 2,341 |
| Noncurrent loans to loans | 2.1064% | 1,582 |
| Net loans and leases to total assets | 65.3957% | 2,850 |
| Net loans and leases to deposits | 73.7172% | 3,355 |
| Net loans and leases to core deposits | 74.5982% | 3,772 |
| Total domestic deposits to total assets | 88.7116% | 1,526 |
| Equity capital to assets | 11.0940% | 2,794 |
| Core capital (leverage) ratio | 11.1028% | 2,330 |
| Tier 1 risk-based capital ratio | 16.0195% | 3,073 |
| Total risk-based capital ratio | 17.2709% | 3,009 |
| Memoranda: | ||
| Average total assets | $376,047,670 | 1,746 |
| Average earning assets | $339,019,330 | 1,776 |
| Average equity | $40,856,000 | 1,750 |
| Average total loans | $241,652,330 | 1,749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,118 |
| Cost of funding earning assets | 0.1841% | 6,126 |
| Net interest margin | 3.7071% | 2,835 |
| Noninterest income to average assets | 0.4349% | 3,908 |
| Noninterest expense to average assets | 2.9867% | 2,910 |
| Loan and lease loss provision to assets | 0.0329% | 3,388 |
| Net operating income to assets | 0.4995% | 4,697 |
| Return on assets (ROA) | 0.4995% | 4,777 |
| Pretax return on assets | 0.7679% | 4,238 |
| Return on Equity (ROE) | 4.6466% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.6466% | 3,327 |
| Net charge-offs to loans | 0.0520% | 2,659 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 24.3548% | 1,181 |
| Efficiency ratio | 78.8575% | 2,353 |
| Assets per employee ($millions) | 4.5607% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 2,605 |
| Loan loss allowance to noncurrent loans | 73.7804% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 2,532 |
| Noncurrent loans to loans | 2.1989% | 1,654 |
| Net loans and leases to total assets | 62.7459% | 3,113 |
| Net loans and leases to deposits | 71.0762% | 3,466 |
| Net loans and leases to core deposits | 71.8796% | 3,884 |
| Total domestic deposits to total assets | 88.2797% | 2,066 |
| Equity capital to assets | 10.7864% | 2,948 |
| Core capital (leverage) ratio | 10.8234% | 2,569 |
| Tier 1 risk-based capital ratio | 16.3179% | 2,998 |
| Total risk-based capital ratio | 17.5716% | 2,961 |
| Memoranda: | ||
| Average total assets | $377,141,000 | 1,745 |
| Average earning assets | $341,072,500 | 1,765 |
| Average equity | $40,546,000 | 1,758 |
| Average total loans | $238,473,500 | 1,771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 4,826 |
| Cost of funding earning assets | 0.2397% | 6,035 |
| Net interest margin | 3.5584% | 3,641 |
| Noninterest income to average assets | 0.5037% | 3,727 |
| Noninterest expense to average assets | 3.0648% | 2,851 |
| Loan and lease loss provision to assets | -0.0129% | 6,281 |
| Net operating income to assets | 0.4378% | 4,998 |
| Return on assets (ROA) | 0.4378% | 5,126 |
| Pretax return on assets | 0.6657% | 4,650 |
| Return on Equity (ROE) | 4.1988% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.1988% | 3,186 |
| Net charge-offs to loans | -0.0063% | 5,951 |
| Credit loss provision to net charge-offs | 350.0000% | 647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4417% | 1,820 |
| Assets per employee ($millions) | 4.6968% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 2,525 |
| Loan loss allowance to noncurrent loans | 69.9339% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 2,493 |
| Noncurrent loans to loans | 2.3782% | 1,613 |
| Net loans and leases to total assets | 61.6366% | 3,416 |
| Net loans and leases to deposits | 69.7835% | 3,810 |
| Net loans and leases to core deposits | 70.5750% | 4,233 |
| Total domestic deposits to total assets | 88.3255% | 1,992 |
| Equity capital to assets | 10.7151% | 2,919 |
| Core capital (leverage) ratio | 10.7759% | 2,597 |
| Tier 1 risk-based capital ratio | 16.7464% | 2,738 |
| Total risk-based capital ratio | 18.0009% | 2,689 |
| Memoranda: | ||
| Average total assets | $379,627,600 | 1,728 |
| Average earning assets | $342,879,200 | 1,742 |
| Average equity | $39,583,000 | 1,767 |
| Average total loans | $223,786,000 | 1,828 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 4,799 |
| Cost of funding earning assets | 0.2463% | 6,111 |
| Net interest margin | 3.5686% | 3,588 |
| Noninterest income to average assets | 0.5223% | 3,653 |
| Noninterest expense to average assets | 2.9581% | 3,116 |
| Loan and lease loss provision to assets | 0.0879% | 3,303 |
| Net operating income to assets | 0.4586% | 4,984 |
| Return on assets (ROA) | 0.4586% | 5,130 |
| Pretax return on assets | 0.6992% | 4,692 |
| Return on Equity (ROE) | 4.4282% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.4282% | 3,524 |
| Net charge-offs to loans | 0.1515% | 3,028 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 8.9522% | 2,551 |
| Efficiency ratio | 78.9823% | 2,265 |
| Assets per employee ($millions) | 4.7177% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 2,440 |
| Loan loss allowance to noncurrent loans | 60.5578% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 2,441 |
| Noncurrent loans to loans | 2.8988% | 1,413 |
| Net loans and leases to total assets | 57.1744% | 4,143 |
| Net loans and leases to deposits | 64.9056% | 4,421 |
| Net loans and leases to core deposits | 65.6428% | 4,743 |
| Total domestic deposits to total assets | 88.0886% | 2,073 |
| Equity capital to assets | 10.3309% | 3,470 |
| Core capital (leverage) ratio | 10.3773% | 3,135 |
| Tier 1 risk-based capital ratio | 17.1130% | 2,663 |
| Total risk-based capital ratio | 18.3682% | 2,624 |
| Memoranda: | ||
| Average total assets | $380,599,250 | 1,733 |
| Average earning assets | $343,727,500 | 1,751 |
| Average equity | $39,413,500 | 1,784 |
| Average total loans | $220,854,750 | 1,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 4,623 |
| Cost of funding earning assets | 0.2574% | 6,125 |
| Net interest margin | 3.6022% | 3,348 |
| Noninterest income to average assets | 0.5722% | 3,368 |
| Noninterest expense to average assets | 3.0197% | 2,935 |
| Loan and lease loss provision to assets | 0.0930% | 3,236 |
| Net operating income to assets | 0.4676% | 4,936 |
| Return on assets (ROA) | 0.4676% | 5,116 |
| Pretax return on assets | 0.7128% | 4,643 |
| Return on Equity (ROE) | 4.5119% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.5119% | 3,397 |
| Net charge-offs to loans | 0.1604% | 2,820 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 8.6648% | 2,377 |
| Efficiency ratio | 78.9365% | 2,311 |
| Assets per employee ($millions) | 4.7656% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 2,478 |
| Loan loss allowance to noncurrent loans | 59.5539% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.8253% | 2,376 |
| Noncurrent loans to loans | 3.0000% | 1,482 |
| Net loans and leases to total assets | 56.9840% | 4,137 |
| Net loans and leases to deposits | 64.6738% | 4,414 |
| Net loans and leases to core deposits | 65.5304% | 4,739 |
| Total domestic deposits to total assets | 88.1099% | 2,167 |
| Equity capital to assets | 10.3743% | 3,461 |
| Core capital (leverage) ratio | 10.4185% | 2,968 |
| Tier 1 risk-based capital ratio | 17.4542% | 2,531 |
| Total risk-based capital ratio | 18.7104% | 2,500 |
| Memoranda: | ||
| Average total assets | $378,516,330 | 1,743 |
| Average earning assets | $341,847,000 | 1,754 |
| Average equity | $39,229,670 | 1,790 |
| Average total loans | $219,429,670 | 1,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 4,239 |
| Cost of funding earning assets | 0.2622% | 6,210 |
| Net interest margin | 3.7066% | 2,825 |
| Noninterest income to average assets | 0.6554% | 2,850 |
| Noninterest expense to average assets | 3.1107% | 2,643 |
| Loan and lease loss provision to assets | 0.1867% | 1,973 |
| Net operating income to assets | 0.4603% | 4,869 |
| Return on assets (ROA) | 0.4603% | 5,031 |
| Pretax return on assets | 0.7010% | 4,577 |
| Return on Equity (ROE) | 4.4435% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.4435% | 3,570 |
| Net charge-offs to loans | 0.3221% | 1,673 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.7557% | 2,479 |
| Efficiency ratio | 77.7984% | 2,641 |
| Assets per employee ($millions) | 4.5035% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,508 |
| Loan loss allowance to noncurrent loans | 54.2932% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 2,440 |
| Noncurrent loans to loans | 3.3758% | 1,432 |
| Net loans and leases to total assets | 55.9544% | 4,083 |
| Net loans and leases to deposits | 63.4973% | 4,370 |
| Net loans and leases to core deposits | 64.2937% | 4,714 |
| Total domestic deposits to total assets | 88.1210% | 2,244 |
| Equity capital to assets | 10.3839% | 3,692 |
| Core capital (leverage) ratio | 10.3856% | 2,922 |
| Tier 1 risk-based capital ratio | 17.6958% | 2,483 |
| Total risk-based capital ratio | 18.9525% | 2,447 |
| Memoranda: | ||
| Average total assets | $377,150,000 | 1,757 |
| Average earning assets | $340,152,000 | 1,776 |
| Average equity | $39,068,500 | 1,815 |
| Average total loans | $218,543,000 | 1,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 3,769 |
| Cost of funding earning assets | 0.3989% | 5,926 |
| Net interest margin | 4.0121% | 2,351 |
| Noninterest income to average assets | 0.6980% | 2,739 |
| Noninterest expense to average assets | 2.9252% | 3,549 |
| Loan and lease loss provision to assets | 1.0170% | 399 |
| Net operating income to assets | 0.2973% | 5,478 |
| Return on assets (ROA) | 0.3144% | 5,622 |
| Pretax return on assets | 0.3830% | 5,616 |
| Return on Equity (ROE) | 3.0245% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.0245% | 4,106 |
| Net charge-offs to loans | 1.1876% | 853 |
| Credit loss provision to net charge-offs | 137.1345% | 2,019 |
| Earnings coverage of net charge-offs (x) | 1.8596% | 4,502 |
| Efficiency ratio | 67.9597% | 4,150 |
| Assets per employee ($millions) | 4.3219% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 2,638 |
| Loan loss allowance to noncurrent loans | 52.0548% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 2,429 |
| Noncurrent loans to loans | 3.4282% | 1,464 |
| Net loans and leases to total assets | 57.8474% | 4,005 |
| Net loans and leases to deposits | 65.5364% | 4,352 |
| Net loans and leases to core deposits | 66.4112% | 4,699 |
| Total domestic deposits to total assets | 88.2676% | 2,051 |
| Equity capital to assets | 10.3337% | 3,714 |
| Core capital (leverage) ratio | 10.3337% | 2,969 |
| Tier 1 risk-based capital ratio | 17.1382% | 2,587 |
| Total risk-based capital ratio | 18.3944% | 2,559 |
| Memoranda: | ||
| Average total assets | $368,926,800 | 1,765 |
| Average earning assets | $331,623,200 | 1,784 |
| Average equity | $38,353,800 | 1,814 |
| Average total loans | $230,383,000 | 1,767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 3,445 |
| Cost of funding earning assets | 0.4314% | 5,928 |
| Net interest margin | 4.1141% | 2,040 |
| Noninterest income to average assets | 0.6769% | 2,830 |
| Noninterest expense to average assets | 3.0863% | 2,925 |
| Loan and lease loss provision to assets | 0.8788% | 510 |
| Net operating income to assets | 0.3444% | 5,455 |
| Return on assets (ROA) | 0.3679% | 5,579 |
| Pretax return on assets | 0.4387% | 5,627 |
| Return on Equity (ROE) | 3.5330% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.5330% | 4,391 |
| Net charge-offs to loans | 1.0982% | 927 |
| Credit loss provision to net charge-offs | 126.3048% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.8533% | 4,334 |
| Efficiency ratio | 70.5311% | 3,586 |
| Assets per employee ($millions) | 4.4781% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,751 |
| Loan loss allowance to noncurrent loans | 136.0759% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 4,882 |
| Noncurrent loans to loans | 1.1353% | 4,159 |
| Net loans and leases to total assets | 58.2804% | 4,088 |
| Net loans and leases to deposits | 66.1214% | 4,457 |
| Net loans and leases to core deposits | 66.8698% | 4,858 |
| Total domestic deposits to total assets | 88.1415% | 1,963 |
| Equity capital to assets | 10.2903% | 4,093 |
| Core capital (leverage) ratio | 10.2903% | 3,176 |
| Tier 1 risk-based capital ratio | 17.1268% | 2,683 |
| Total risk-based capital ratio | 18.3802% | 2,627 |
| Memoranda: | ||
| Average total assets | $367,157,750 | 1,795 |
| Average earning assets | $330,111,000 | 1,816 |
| Average equity | $38,228,500 | 1,835 |
| Average total loans | $232,613,750 | 1,768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 3,032 |
| Cost of funding earning assets | 0.4601% | 5,904 |
| Net interest margin | 4.2129% | 1,713 |
| Noninterest income to average assets | 0.7975% | 2,194 |
| Noninterest expense to average assets | 3.2387% | 2,467 |
| Loan and lease loss provision to assets | 0.9205% | 503 |
| Net operating income to assets | 0.3848% | 5,269 |
| Return on assets (ROA) | 0.4141% | 5,393 |
| Pretax return on assets | 0.4520% | 5,572 |
| Return on Equity (ROE) | 3.9613% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.9613% | 3,976 |
| Net charge-offs to loans | 1.2902% | 828 |
| Credit loss provision to net charge-offs | 110.1183% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.6038% | 4,192 |
| Efficiency ratio | 70.7244% | 3,645 |
| Assets per employee ($millions) | 4.4682% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,638 |
| Loan loss allowance to noncurrent loans | 109.3805% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 4,840 |
| Noncurrent loans to loans | 1.2397% | 4,070 |
| Net loans and leases to total assets | 60.6099% | 3,706 |
| Net loans and leases to deposits | 68.7806% | 4,076 |
| Net loans and leases to core deposits | 69.4292% | 4,607 |
| Total domestic deposits to total assets | 88.1206% | 2,062 |
| Equity capital to assets | 10.3675% | 3,849 |
| Core capital (leverage) ratio | 10.3675% | 2,963 |
| Tier 1 risk-based capital ratio | 16.5308% | 2,899 |
| Total risk-based capital ratio | 17.7819% | 2,860 |
| Memoranda: | ||
| Average total assets | $364,156,670 | 1,812 |
| Average earning assets | $326,902,670 | 1,834 |
| Average equity | $38,068,670 | 1,836 |
| Average total loans | $235,929,000 | 1,750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 2,589 |
| Cost of funding earning assets | 0.5185% | 5,693 |
| Net interest margin | 4.2918% | 1,492 |
| Noninterest income to average assets | 0.6308% | 3,055 |
| Noninterest expense to average assets | 3.3636% | 2,109 |
| Loan and lease loss provision to assets | 0.6308% | 883 |
| Net operating income to assets | 0.3969% | 5,270 |
| Return on assets (ROA) | 0.3969% | 5,459 |
| Pretax return on assets | 0.4811% | 5,485 |
| Return on Equity (ROE) | 3.7805% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.7805% | 4,316 |
| Net charge-offs to loans | 1.2619% | 804 |
| Credit loss provision to net charge-offs | 75.1651% | 2,818 |
| Earnings coverage of net charge-offs (x) | 1.3250% | 3,669 |
| Efficiency ratio | 75.1548% | 2,913 |
| Assets per employee ($millions) | 4.4356% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,679 |
| Loan loss allowance to noncurrent loans | 104.3676% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 4,966 |
| Noncurrent loans to loans | 1.1106% | 4,474 |
| Net loans and leases to total assets | 64.4254% | 2,780 |
| Net loans and leases to deposits | 73.3381% | 3,226 |
| Net loans and leases to core deposits | 74.0768% | 3,893 |
| Total domestic deposits to total assets | 87.8471% | 2,421 |
| Equity capital to assets | 10.4646% | 3,534 |
| Core capital (leverage) ratio | 10.4623% | 2,795 |
| Tier 1 risk-based capital ratio | 15.7600% | 3,311 |
| Total risk-based capital ratio | 16.8981% | 3,335 |
| Memoranda: | ||
| Average total assets | $360,804,000 | 1,838 |
| Average earning assets | $323,218,000 | 1,863 |
| Average equity | $37,878,500 | 1,836 |
| Average total loans | $239,959,000 | 1,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 1,913 |
| Cost of funding earning assets | 0.7370% | 5,295 |
| Net interest margin | 4.5030% | 1,122 |
| Noninterest income to average assets | 0.4824% | 3,980 |
| Noninterest expense to average assets | 3.2501% | 2,692 |
| Loan and lease loss provision to assets | 1.1461% | 783 |
| Net operating income to assets | 0.0755% | 5,910 |
| Return on assets (ROA) | 0.2800% | 5,485 |
| Pretax return on assets | 0.4092% | 5,270 |
| Return on Equity (ROE) | 2.6380% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.6380% | 4,352 |
| Net charge-offs to loans | 1.0608% | 1,632 |
| Credit loss provision to net charge-offs | 156.3883% | 1,795 |
| Earnings coverage of net charge-offs (x) | 1.7118% | 4,497 |
| Efficiency ratio | 72.1506% | 3,541 |
| Assets per employee ($millions) | 4.3119% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,345 |
| Loan loss allowance to noncurrent loans | 82.8910% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 4,628 |
| Noncurrent loans to loans | 1.4586% | 3,975 |
| Net loans and leases to total assets | 67.0338% | 2,580 |
| Net loans and leases to deposits | 76.2847% | 3,136 |
| Net loans and leases to core deposits | 77.0637% | 3,817 |
| Total domestic deposits to total assets | 87.8732% | 2,236 |
| Equity capital to assets | 10.5327% | 3,496 |
| Core capital (leverage) ratio | 10.5327% | 2,680 |
| Tier 1 risk-based capital ratio | 15.7747% | 3,166 |
| Total risk-based capital ratio | 17.0034% | 3,151 |
| Memoranda: | ||
| Average total assets | $351,378,800 | 1,845 |
| Average earning assets | $313,857,400 | 1,880 |
| Average equity | $37,301,000 | 1,807 |
| Average total loans | $242,734,200 | 1,727 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 1,817 |
| Cost of funding earning assets | 0.7999% | 5,148 |
| Net interest margin | 4.5102% | 1,126 |
| Noninterest income to average assets | 0.4422% | 4,350 |
| Noninterest expense to average assets | 3.2819% | 2,551 |
| Loan and lease loss provision to assets | 0.6862% | 1,409 |
| Net operating income to assets | 0.3381% | 5,260 |
| Return on assets (ROA) | 0.3473% | 5,401 |
| Pretax return on assets | 0.5158% | 5,115 |
| Return on Equity (ROE) | 3.2649% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,393 |
| Net charge-offs to loans | 0.8092% | 1,942 |
| Credit loss provision to net charge-offs | 122.1996% | 2,652 |
| Earnings coverage of net charge-offs (x) | 2.1161% | 4,084 |
| Efficiency ratio | 73.4180% | 3,296 |
| Assets per employee ($millions) | 4.3539% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 6,920 |
| Loan loss allowance to noncurrent loans | 24.7067% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 3,110 |
| Noncurrent loans to loans | 2.9689% | 2,339 |
| Net loans and leases to total assets | 67.8187% | 2,513 |
| Net loans and leases to deposits | 77.1915% | 3,136 |
| Net loans and leases to core deposits | 78.1106% | 3,890 |
| Total domestic deposits to total assets | 87.8577% | 2,125 |
| Equity capital to assets | 10.4108% | 3,818 |
| Core capital (leverage) ratio | 10.4108% | 2,984 |
| Tier 1 risk-based capital ratio | 15.3705% | 3,446 |
| Total risk-based capital ratio | 16.1104% | 3,718 |
| Memoranda: | ||
| Average total assets | $349,752,250 | 1,859 |
| Average earning assets | $312,348,500 | 1,890 |
| Average equity | $37,202,500 | 1,814 |
| Average total loans | $242,707,750 | 1,739 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 1,593 |
| Cost of funding earning assets | 0.8455% | 5,098 |
| Net interest margin | 4.5460% | 1,024 |
| Noninterest income to average assets | 0.3984% | 4,691 |
| Noninterest expense to average assets | 3.4307% | 2,181 |
| Loan and lease loss provision to assets | 0.4210% | 2,327 |
| Net operating income to assets | 0.4006% | 4,937 |
| Return on assets (ROA) | 0.4146% | 5,029 |
| Pretax return on assets | 0.6216% | 4,667 |
| Return on Equity (ROE) | 3.8691% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.8691% | 3,738 |
| Net charge-offs to loans | 0.4732% | 2,681 |
| Credit loss provision to net charge-offs | 127.4956% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3.0946% | 3,305 |
| Efficiency ratio | 77.0519% | 2,856 |
| Assets per employee ($millions) | 4.3981% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 7,056 |
| Loan loss allowance to noncurrent loans | 141.8323% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 6,293 |
| Noncurrent loans to loans | 0.4716% | 5,960 |
| Net loans and leases to total assets | 70.1352% | 2,194 |
| Net loans and leases to deposits | 80.1431% | 2,764 |
| Net loans and leases to core deposits | 81.1808% | 3,627 |
| Total domestic deposits to total assets | 87.5126% | 2,461 |
| Equity capital to assets | 10.7721% | 3,205 |
| Core capital (leverage) ratio | 10.7721% | 2,452 |
| Tier 1 risk-based capital ratio | 15.4965% | 3,246 |
| Total risk-based capital ratio | 16.1759% | 3,507 |
| Memoranda: | ||
| Average total assets | $345,878,330 | 1,883 |
| Average earning assets | $308,444,330 | 1,923 |
| Average equity | $37,062,670 | 1,806 |
| Average total loans | $241,313,670 | 1,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 1,607 |
| Cost of funding earning assets | 0.8756% | 5,089 |
| Net interest margin | 4.5108% | 1,047 |
| Noninterest income to average assets | 0.4509% | 4,273 |
| Noninterest expense to average assets | 3.5411% | 1,901 |
| Loan and lease loss provision to assets | 0.3477% | 2,478 |
| Net operating income to assets | 0.3918% | 4,987 |
| Return on assets (ROA) | 0.3918% | 5,077 |
| Pretax return on assets | 0.5807% | 4,756 |
| Return on Equity (ROE) | 3.6659% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.6659% | 3,976 |
| Net charge-offs to loans | 0.3644% | 2,611 |
| Credit loss provision to net charge-offs | 137.6147% | 2,035 |
| Earnings coverage of net charge-offs (x) | 3.6743% | 2,670 |
| Efficiency ratio | 79.2272% | 2,660 |
| Assets per employee ($millions) | 4.1714% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 7,137 |
| Loan loss allowance to noncurrent loans | 82.7258% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,884 |
| Noncurrent loans to loans | 0.7907% | 5,453 |
| Net loans and leases to total assets | 67.8779% | 2,574 |
| Net loans and leases to deposits | 77.4742% | 3,160 |
| Net loans and leases to core deposits | 78.6194% | 3,939 |
| Total domestic deposits to total assets | 87.6136% | 2,602 |
| Equity capital to assets | 10.5733% | 3,104 |
| Core capital (leverage) ratio | 10.5733% | 2,537 |
| Tier 1 risk-based capital ratio | 15.5295% | 3,149 |
| Total risk-based capital ratio | 16.1859% | 3,422 |
| Memoranda: | ||
| Average total assets | $345,091,000 | 1,904 |
| Average earning assets | $307,437,500 | 1,939 |
| Average equity | $36,880,000 | 1,805 |
| Average total loans | $239,306,500 | 1,799 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 1,074 |
| Cost of funding earning assets | 1.0224% | 5,578 |
| Net interest margin | 4.8621% | 584 |
| Noninterest income to average assets | 0.4691% | 4,384 |
| Noninterest expense to average assets | 3.6112% | 1,895 |
| Loan and lease loss provision to assets | 0.5758% | 2,828 |
| Net operating income to assets | 0.3746% | 4,661 |
| Return on assets (ROA) | 0.3869% | 4,748 |
| Pretax return on assets | 0.5895% | 4,359 |
| Return on Equity (ROE) | 3.5096% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.5096% | 3,406 |
| Net charge-offs to loans | 0.5289% | 3,510 |
| Credit loss provision to net charge-offs | 146.8433% | 2,498 |
| Earnings coverage of net charge-offs (x) | 2.9244% | 3,614 |
| Efficiency ratio | 75.8993% | 3,069 |
| Assets per employee ($millions) | 4.0450% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6200% | 7,237 |
| Loan loss allowance to noncurrent loans | 30.5521% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 4,199 |
| Noncurrent loans to loans | 2.0292% | 3,519 |
| Net loans and leases to total assets | 69.9624% | 2,540 |
| Net loans and leases to deposits | 79.9123% | 3,190 |
| Net loans and leases to core deposits | 81.2026% | 4,023 |
| Total domestic deposits to total assets | 87.5490% | 2,517 |
| Equity capital to assets | 10.8043% | 2,856 |
| Core capital (leverage) ratio | 10.8043% | 2,308 |
| Tier 1 risk-based capital ratio | 15.3754% | 3,055 |
| Total risk-based capital ratio | 15.9965% | 3,355 |
| Memoranda: | ||
| Average total assets | $327,200,600 | 1,988 |
| Average earning assets | $288,621,800 | 2,054 |
| Average equity | $36,072,800 | 1,834 |
| Average total loans | $242,562,000 | 1,805 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9719% | 987 |
| Cost of funding earning assets | 1.0455% | 5,716 |
| Net interest margin | 4.9264% | 528 |
| Noninterest income to average assets | 0.3925% | 5,018 |
| Noninterest expense to average assets | 3.6207% | 1,742 |
| Loan and lease loss provision to assets | 0.5822% | 2,603 |
| Net operating income to assets | 0.3483% | 4,981 |
| Return on assets (ROA) | 0.3592% | 5,115 |
| Pretax return on assets | 0.5410% | 4,793 |
| Return on Equity (ROE) | 3.2411% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.2411% | 4,161 |
| Net charge-offs to loans | 0.5281% | 3,187 |
| Credit loss provision to net charge-offs | 146.7842% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.7905% | 3,745 |
| Efficiency ratio | 76.5883% | 2,835 |
| Assets per employee ($millions) | 3.9836% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 7,413 |
| Loan loss allowance to noncurrent loans | 32.5281% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 4,725 |
| Noncurrent loans to loans | 1.6799% | 4,123 |
| Net loans and leases to total assets | 71.6488% | 2,328 |
| Net loans and leases to deposits | 81.9650% | 3,115 |
| Net loans and leases to core deposits | 83.3711% | 4,038 |
| Total domestic deposits to total assets | 87.4139% | 2,310 |
| Equity capital to assets | 10.7258% | 3,262 |
| Core capital (leverage) ratio | 10.7258% | 2,492 |
| Tier 1 risk-based capital ratio | 15.0095% | 3,251 |
| Total risk-based capital ratio | 15.5605% | 3,584 |
| Memoranda: | ||
| Average total assets | $324,055,500 | 2,034 |
| Average earning assets | $285,152,500 | 2,105 |
| Average equity | $35,913,250 | 1,858 |
| Average total loans | $243,402,000 | 1,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1220% | 724 |
| Cost of funding earning assets | 1.0742% | 5,808 |
| Net interest margin | 5.0478% | 379 |
| Noninterest income to average assets | 0.3139% | 5,651 |
| Noninterest expense to average assets | 3.7712% | 1,409 |
| Loan and lease loss provision to assets | 0.3634% | 3,529 |
| Net operating income to assets | 0.4001% | 4,756 |
| Return on assets (ROA) | 0.4167% | 4,838 |
| Pretax return on assets | 0.6297% | 4,477 |
| Return on Equity (ROE) | 3.7173% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.7173% | 3,735 |
| Net charge-offs to loans | 0.2294% | 4,223 |
| Credit loss provision to net charge-offs | 207.8853% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.5376% | 2,645 |
| Efficiency ratio | 79.5743% | 2,498 |
| Assets per employee ($millions) | 3.7716% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 7,524 |
| Loan loss allowance to noncurrent loans | 210.1243% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 6,473 |
| Noncurrent loans to loans | 0.2298% | 6,783 |
| Net loans and leases to total assets | 76.0478% | 1,488 |
| Net loans and leases to deposits | 87.5235% | 2,254 |
| Net loans and leases to core deposits | 88.9522% | 3,414 |
| Total domestic deposits to total assets | 86.8885% | 2,591 |
| Equity capital to assets | 11.2636% | 2,624 |
| Core capital (leverage) ratio | 11.2636% | 2,058 |
| Tier 1 risk-based capital ratio | 14.7995% | 3,264 |
| Total risk-based capital ratio | 15.0097% | 3,864 |
| Memoranda: | ||
| Average total assets | $319,206,330 | 2,077 |
| Average earning assets | $279,844,670 | 2,161 |
| Average equity | $35,778,330 | 1,862 |
| Average total loans | $243,223,330 | 1,850 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1373% | 726 |
| Cost of funding earning assets | 1.0679% | 6,053 |
| Net interest margin | 5.0695% | 364 |
| Noninterest income to average assets | 0.2800% | 5,902 |
| Noninterest expense to average assets | 3.7223% | 1,473 |
| Loan and lease loss provision to assets | 0.4169% | 2,876 |
| Net operating income to assets | 0.3870% | 4,897 |
| Return on assets (ROA) | 0.4207% | 4,890 |
| Pretax return on assets | 0.6267% | 4,501 |
| Return on Equity (ROE) | 3.7627% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.7627% | 3,893 |
| Net charge-offs to loans | 0.2988% | 3,220 |
| Credit loss provision to net charge-offs | 183.4254% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.3702% | 2,643 |
| Efficiency ratio | 78.9348% | 2,737 |
| Assets per employee ($millions) | 3.7531% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 7,673 |
| Loan loss allowance to noncurrent loans | 120.6776% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 6,210 |
| Noncurrent loans to loans | 0.3535% | 6,595 |
| Net loans and leases to total assets | 74.6956% | 1,807 |
| Net loans and leases to deposits | 87.3357% | 2,348 |
| Net loans and leases to core deposits | 88.2704% | 3,595 |
| Total domestic deposits to total assets | 85.5270% | 3,399 |
| Equity capital to assets | 11.0854% | 2,689 |
| Core capital (leverage) ratio | 11.0854% | 2,174 |
| Tier 1 risk-based capital ratio | 14.6638% | 3,280 |
| Total risk-based capital ratio | 15.0872% | 3,733 |
| Memoranda: | ||
| Average total assets | $318,515,000 | 2,137 |
| Average earning assets | $278,688,500 | 2,220 |
| Average equity | $35,612,500 | 1,891 |
| Average total loans | $242,343,000 | 1,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 1,581 |
| Cost of funding earning assets | 1.3465% | 6,157 |
| Net interest margin | 4.7317% | 793 |
| Noninterest income to average assets | 0.4616% | 4,706 |
| Noninterest expense to average assets | 3.6397% | 2,059 |
| Loan and lease loss provision to assets | 0.4932% | 3,906 |
| Net operating income to assets | 0.3144% | 4,479 |
| Return on assets (ROA) | 0.3718% | 4,344 |
| Pretax return on assets | 0.5603% | 4,019 |
| Return on Equity (ROE) | 3.2403% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.2403% | 2,890 |
| Net charge-offs to loans | 0.4536% | 3,965 |
| Credit loss provision to net charge-offs | 147.1050% | 3,204 |
| Earnings coverage of net charge-offs (x) | 2.8832% | 3,647 |
| Efficiency ratio | 79.0158% | 3,038 |
| Assets per employee ($millions) | 3.4918% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 7,787 |
| Loan loss allowance to noncurrent loans | 58.6711% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,253 |
| Noncurrent loans to loans | 0.6205% | 6,001 |
| Net loans and leases to total assets | 76.9029% | 1,605 |
| Net loans and leases to deposits | 90.1612% | 2,193 |
| Net loans and leases to core deposits | 99.3178% | 4,076 |
| Total domestic deposits to total assets | 85.2948% | 3,413 |
| Equity capital to assets | 11.2787% | 2,476 |
| Core capital (leverage) ratio | 11.2787% | 2,061 |
| Tier 1 risk-based capital ratio | 14.5579% | 3,171 |
| Total risk-based capital ratio | 14.9206% | 3,644 |
| Memoranda: | ||
| Average total assets | $303,956,800 | 2,192 |
| Average earning assets | $266,246,400 | 2,271 |
| Average equity | $34,873,400 | 1,929 |
| Average total loans | $224,626,000 | 2,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0000% | 2,042 |
| Cost of funding earning assets | 1.4052% | 6,210 |
| Net interest margin | 4.5948% | 998 |
| Noninterest income to average assets | 0.4981% | 4,498 |
| Noninterest expense to average assets | 3.6201% | 1,983 |
| Loan and lease loss provision to assets | 0.5092% | 3,347 |
| Net operating income to assets | 0.2659% | 4,925 |
| Return on assets (ROA) | 0.3442% | 4,719 |
| Pretax return on assets | 0.5158% | 4,469 |
| Return on Equity (ROE) | 2.9867% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.9867% | 3,658 |
| Net charge-offs to loans | 0.4972% | 3,232 |
| Credit loss provision to net charge-offs | 140.1949% | 3,511 |
| Earnings coverage of net charge-offs (x) | 2.5006% | 3,975 |
| Efficiency ratio | 79.9433% | 2,852 |
| Assets per employee ($millions) | 3.4263% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3056% | 7,908 |
| Loan loss allowance to noncurrent loans | 38.6196% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 5,910 |
| Noncurrent loans to loans | 0.7912% | 5,714 |
| Net loans and leases to total assets | 77.5555% | 1,660 |
| Net loans and leases to deposits | 91.2824% | 2,349 |
| Net loans and leases to core deposits | 100.6316% | 4,301 |
| Total domestic deposits to total assets | 84.9622% | 3,257 |
| Equity capital to assets | 11.3802% | 2,689 |
| Core capital (leverage) ratio | 11.3802% | 2,134 |
| Tier 1 risk-based capital ratio | 14.4504% | 3,305 |
| Total risk-based capital ratio | 14.7522% | 3,785 |
| Memoranda: | ||
| Average total assets | $301,380,000 | 2,220 |
| Average earning assets | $264,350,750 | 2,301 |
| Average equity | $34,730,500 | 1,955 |
| Average total loans | $220,142,250 | 2,124 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0201% | 2,105 |
| Cost of funding earning assets | 1.4910% | 6,179 |
| Net interest margin | 4.5292% | 1,099 |
| Noninterest income to average assets | 0.5083% | 4,375 |
| Noninterest expense to average assets | 3.6917% | 1,858 |
| Loan and lease loss provision to assets | 0.4762% | 3,142 |
| Net operating income to assets | 0.2150% | 5,205 |
| Return on assets (ROA) | 0.3244% | 4,909 |
| Pretax return on assets | 0.4835% | 4,677 |
| Return on Equity (ROE) | 2.8027% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.8027% | 3,762 |
| Net charge-offs to loans | 0.4982% | 2,836 |
| Credit loss provision to net charge-offs | 133.8346% | 3,483 |
| Earnings coverage of net charge-offs (x) | 2.2387% | 3,947 |
| Efficiency ratio | 82.2530% | 2,696 |
| Assets per employee ($millions) | 3.3765% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2753% | 8,008 |
| Loan loss allowance to noncurrent loans | 26.4519% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 5,582 |
| Noncurrent loans to loans | 1.0406% | 5,134 |
| Net loans and leases to total assets | 70.2846% | 3,632 |
| Net loans and leases to deposits | 83.0394% | 4,038 |
| Net loans and leases to core deposits | 92.1707% | 5,331 |
| Total domestic deposits to total assets | 84.6400% | 3,430 |
| Equity capital to assets | 11.5804% | 2,485 |
| Core capital (leverage) ratio | 11.5804% | 2,045 |
| Tier 1 risk-based capital ratio | 15.9183% | 2,654 |
| Total risk-based capital ratio | 16.1850% | 2,990 |
| Memoranda: | ||
| Average total assets | $299,050,000 | 2,262 |
| Average earning assets | $262,784,670 | 2,323 |
| Average equity | $34,609,670 | 1,958 |
| Average total loans | $213,559,330 | 2,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0498% | 2,153 |
| Cost of funding earning assets | 1.6292% | 5,906 |
| Net interest margin | 4.4206% | 1,301 |
| Noninterest income to average assets | 0.2387% | 6,545 |
| Noninterest expense to average assets | 3.4392% | 2,258 |
| Loan and lease loss provision to assets | 0.2051% | 4,393 |
| Net operating income to assets | 0.3223% | 5,200 |
| Return on assets (ROA) | 0.5350% | 4,466 |
| Pretax return on assets | 0.8179% | 4,012 |
| Return on Equity (ROE) | 4.6241% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.6241% | 3,346 |
| Net charge-offs to loans | 0.1175% | 4,029 |
| Credit loss provision to net charge-offs | 242.8571% | 1,918 |
| Earnings coverage of net charge-offs (x) | 8.2381% | 2,222 |
| Efficiency ratio | 83.1712% | 2,393 |
| Assets per employee ($millions) | 3.3224% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2277% | 8,088 |
| Loan loss allowance to noncurrent loans | 35.6988% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 6,101 |
| Noncurrent loans to loans | 0.6378% | 5,816 |
| Net loans and leases to total assets | 72.2531% | 3,191 |
| Net loans and leases to deposits | 85.3304% | 3,750 |
| Net loans and leases to core deposits | 96.9482% | 4,850 |
| Total domestic deposits to total assets | 84.6744% | 3,381 |
| Equity capital to assets | 11.6094% | 2,519 |
| Core capital (leverage) ratio | 11.6094% | 2,087 |
| Tier 1 risk-based capital ratio | 15.9047% | 2,722 |
| Total risk-based capital ratio | 16.1306% | 3,051 |
| Memoranda: | ||
| Average total assets | $298,321,500 | 2,280 |
| Average earning assets | $262,950,500 | 2,339 |
| Average equity | $34,514,500 | 1,973 |
| Average total loans | $214,442,500 | 2,225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1742% | 4,642 |
| Cost of funding earning assets | 2.2484% | 5,374 |
| Net interest margin | 3.9258% | 3,456 |
| Noninterest income to average assets | 0.2183% | 6,879 |
| Noninterest expense to average assets | 3.1666% | 3,459 |
| Loan and lease loss provision to assets | 0.0840% | 6,338 |
| Net operating income to assets | 0.3182% | 5,487 |
| Return on assets (ROA) | 0.3631% | 5,100 |
| Pretax return on assets | 0.5589% | 4,821 |
| Return on Equity (ROE) | 3.2501% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.2501% | 3,130 |
| Net charge-offs to loans | 0.0563% | 5,969 |
| Credit loss provision to net charge-offs | 218.9655% | 2,193 |
| Earnings coverage of net charge-offs (x) | 14.9569% | 1,980 |
| Efficiency ratio | 84.6609% | 1,992 |
| Assets per employee ($millions) | 3.3821% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1898% | 8,169 |
| Loan loss allowance to noncurrent loans | 93.9394% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 7,002 |
| Noncurrent loans to loans | 0.2020% | 6,779 |
| Net loans and leases to total assets | 71.2102% | 3,747 |
| Net loans and leases to deposits | 84.6707% | 4,314 |
| Net loans and leases to core deposits | 97.5590% | 5,092 |
| Total domestic deposits to total assets | 84.1025% | 3,275 |
| Equity capital to assets | 11.5296% | 2,618 |
| Core capital (leverage) ratio | 11.5296% | 2,237 |
| Tier 1 risk-based capital ratio | 16.1211% | 2,616 |
| Total risk-based capital ratio | 16.3104% | 2,937 |
| Memoranda: | ||
| Average total assets | $302,402,400 | 2,191 |
| Average earning assets | $271,308,600 | 2,223 |
| Average equity | $33,783,400 | 2,006 |
| Average total loans | $206,120,800 | 2,239 |