Home > FIDELITY BANK > Performance and Condition Ratios
FIDELITY 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 | 6.1311% | 541 |
| Cost of funding earning assets | 1.0704% | 3,144 |
| Net interest margin | 5.0608% | 291 |
| Noninterest income to average assets | 1.8000% | 303 |
| Noninterest expense to average assets | 6.1029% | 173 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1000% | 4,253 |
| Return on assets (ROA) | 0.1049% | 4,274 |
| Pretax return on assets | 0.1359% | 4,251 |
| Return on Equity (ROE) | 0.7300% | 4,284 |
| Retained earnings to average equity (ytd only) | 0.7282% | 3,891 |
| Net charge-offs to loans | 0.2722% | 392 |
| Credit loss provision to net charge-offs | 37.2133% | 2,255 |
| Earnings coverage of net charge-offs (x) | 1.1646% | 2,774 |
| Efficiency ratio | 96.9709% | 234 |
| Assets per employee ($millions) | 3.0750% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,706 |
| Loan loss allowance to noncurrent loans | 80.9263% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 685 |
| Noncurrent loans to loans | 1.1126% | 651 |
| Net loans and leases to total assets | 60.6600% | 2,790 |
| Net loans and leases to deposits | 87.3681% | 1,494 |
| Net loans and leases to core deposits | 102.2496% | 1,321 |
| Total domestic deposits to total assets | 69.4300% | 4,309 |
| Equity capital to assets | 13.9264% | 697 |
| Core capital (leverage) ratio | 14.8026% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5194% | 451 |
| Memoranda: | ||
| Average total assets | $1,065,384,800 | 929 |
| Average earning assets | $946,400,600 | 954 |
| Average equity | $153,534,400 | 662 |
| Average total loans | $640,695,600 | 1,037 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 485 |
| Cost of funding earning assets | 0.8836% | 3,315 |
| Net interest margin | 5.1909% | 257 |
| Noninterest income to average assets | 2.0400% | 279 |
| Noninterest expense to average assets | 6.2790% | 172 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2698% | 4,152 |
| Return on assets (ROA) | 0.2920% | 4,129 |
| Pretax return on assets | 0.3375% | 4,126 |
| Return on Equity (ROE) | 2.0100% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.0078% | 3,726 |
| Net charge-offs to loans | 0.3334% | 267 |
| Credit loss provision to net charge-offs | 22.2010% | 2,004 |
| Earnings coverage of net charge-offs (x) | 1.7844% | 2,517 |
| Efficiency ratio | 94.6337% | 258 |
| Assets per employee ($millions) | 2.9398% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 3,738 |
| Loan loss allowance to noncurrent loans | 71.3279% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 648 |
| Noncurrent loans to loans | 1.2600% | 608 |
| Net loans and leases to total assets | 60.9300% | 2,756 |
| Net loans and leases to deposits | 82.3488% | 1,881 |
| Net loans and leases to core deposits | 97.3357% | 1,489 |
| Total domestic deposits to total assets | 73.9900% | 4,162 |
| Equity capital to assets | 13.6458% | 700 |
| Core capital (leverage) ratio | 15.2297% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6116% | 455 |
| Memoranda: | ||
| Average total assets | $1,050,366,500 | 941 |
| Average earning assets | $930,449,000 | 970 |
| Average equity | $152,734,000 | 665 |
| Average total loans | $628,641,500 | 1,049 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 501 |
| Cost of funding earning assets | 0.6092% | 3,725 |
| Net interest margin | 5.2977% | 215 |
| Noninterest income to average assets | 1.4700% | 337 |
| Noninterest expense to average assets | 6.3213% | 165 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | -0.0519% | 4,496 |
| Return on assets (ROA) | -0.0209% | 4,473 |
| Pretax return on assets | -0.0569% | 4,476 |
| Return on Equity (ROE) | -0.1400% | 4,443 |
| Retained earnings to average equity (ytd only) | -0.1406% | 4,118 |
| Net charge-offs to loans | 0.3257% | 257 |
| Credit loss provision to net charge-offs | -37.6754% | 4,522 |
| Earnings coverage of net charge-offs (x) | -0.8747% | 4,612 |
| Efficiency ratio | 102.7446% | 146 |
| Assets per employee ($millions) | 2.7361% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,790 |
| Loan loss allowance to noncurrent loans | 129.6913% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 1,114 |
| Noncurrent loans to loans | 0.6926% | 1,082 |
| Net loans and leases to total assets | 60.9300% | 2,684 |
| Net loans and leases to deposits | 80.6295% | 1,927 |
| Net loans and leases to core deposits | 94.0066% | 1,567 |
| Total domestic deposits to total assets | 75.5700% | 4,077 |
| Equity capital to assets | 14.1813% | 625 |
| Core capital (leverage) ratio | 15.6728% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3071% | 468 |
| Memoranda: | ||
| Average total assets | $1,033,996,000 | 940 |
| Average earning assets | $914,275,000 | 976 |
| Average equity | $153,634,333 | 656 |
| Average total loans | $612,863,000 | 1,063 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 483 |
| Cost of funding earning assets | 0.3322% | 4,124 |
| Net interest margin | 5.3205% | 192 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 6.2567% | 171 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 0.0102% | 4,476 |
| Return on assets (ROA) | 0.0903% | 4,412 |
| Pretax return on assets | 0.0875% | 4,412 |
| Return on Equity (ROE) | 0.5900% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.5933% | 3,931 |
| Net charge-offs to loans | 0.3677% | 216 |
| Credit loss provision to net charge-offs | -69.3727% | 4,581 |
| Earnings coverage of net charge-offs (x) | -0.6587% | 4,642 |
| Efficiency ratio | 102.3010% | 147 |
| Assets per employee ($millions) | 2.6413% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,275 |
| Loan loss allowance to noncurrent loans | 129.8331% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 1,015 |
| Noncurrent loans to loans | 0.8115% | 941 |
| Net loans and leases to total assets | 58.4700% | 2,826 |
| Net loans and leases to deposits | 76.1322% | 2,102 |
| Net loans and leases to core deposits | 83.0155% | 2,059 |
| Total domestic deposits to total assets | 76.7900% | 4,101 |
| Equity capital to assets | 15.2984% | 453 |
| Core capital (leverage) ratio | 16.4022% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8710% | 397 |
| Memoranda: | ||
| Average total assets | $1,014,719,000 | 974 |
| Average earning assets | $895,772,500 | 1,015 |
| Average equity | $154,400,500 | 665 |
| Average total loans | $589,580,500 | 1,105 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 248 |
| Cost of funding earning assets | 0.2368% | 3,443 |
| Net interest margin | 4.8875% | 155 |
| Noninterest income to average assets | 1.8600% | 275 |
| Noninterest expense to average assets | 6.0999% | 159 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.1874% | 4,456 |
| Return on assets (ROA) | 0.2002% | 4,431 |
| Pretax return on assets | 0.1998% | 4,447 |
| Return on Equity (ROE) | 1.3200% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.3169% | 4,135 |
| Net charge-offs to loans | 0.0857% | 810 |
| Credit loss provision to net charge-offs | -80.1619% | 4,572 |
| Earnings coverage of net charge-offs (x) | 3.1883% | 2,474 |
| Efficiency ratio | 97.6088% | 177 |
| Assets per employee ($millions) | 2.5959% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,029 |
| Loan loss allowance to noncurrent loans | 147.4641% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 1,009 |
| Noncurrent loans to loans | 0.8628% | 864 |
| Net loans and leases to total assets | 56.3700% | 2,991 |
| Net loans and leases to deposits | 70.2731% | 2,563 |
| Net loans and leases to core deposits | 74.1923% | 2,551 |
| Total domestic deposits to total assets | 80.2200% | 3,848 |
| Equity capital to assets | 15.1321% | 456 |
| Core capital (leverage) ratio | 15.8309% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6824% | 345 |
| Memoranda: | ||
| Average total assets | $1,053,965,000 | 938 |
| Average earning assets | $947,520,200 | 950 |
| Average equity | $160,230,800 | 645 |
| Average total loans | $576,450,200 | 1,060 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9520% | 225 |
| Cost of funding earning assets | 0.2396% | 2,823 |
| Net interest margin | 4.7124% | 167 |
| Noninterest income to average assets | 2.1000% | 258 |
| Noninterest expense to average assets | 6.1077% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2366% | 4,439 |
| Return on assets (ROA) | 0.2493% | 4,394 |
| Pretax return on assets | 0.2622% | 4,412 |
| Return on Equity (ROE) | 1.6400% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.6382% | 4,104 |
| Net charge-offs to loans | 0.0882% | 691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.2094% | 2,151 |
| Efficiency ratio | 96.0855% | 199 |
| Assets per employee ($millions) | 2.6779% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,600 |
| Loan loss allowance to noncurrent loans | 184.6263% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 1,300 |
| Noncurrent loans to loans | 0.7588% | 1,069 |
| Net loans and leases to total assets | 52.7400% | 3,213 |
| Net loans and leases to deposits | 64.4470% | 2,828 |
| Net loans and leases to core deposits | 68.0164% | 2,801 |
| Total domestic deposits to total assets | 81.8400% | 3,860 |
| Equity capital to assets | 14.7326% | 480 |
| Core capital (leverage) ratio | 15.5179% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7068% | 323 |
| Memoranda: | ||
| Average total assets | $1,066,303,250 | 932 |
| Average earning assets | $962,713,000 | 944 |
| Average equity | $162,283,750 | 643 |
| Average total loans | $577,159,750 | 1,061 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 231 |
| Cost of funding earning assets | 0.2422% | 2,368 |
| Net interest margin | 4.5278% | 188 |
| Noninterest income to average assets | 2.3890% | 193 |
| Noninterest expense to average assets | 6.1748% | 122 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2845% | 4,316 |
| Return on assets (ROA) | 0.2932% | 4,249 |
| Pretax return on assets | 0.3224% | 4,270 |
| Return on Equity (ROE) | 1.9065% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.9065% | 3,778 |
| Net charge-offs to loans | 0.0795% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.2457% | 1,860 |
| Efficiency ratio | 95.1772% | 258 |
| Assets per employee ($millions) | 2.7514% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,686 |
| Loan loss allowance to noncurrent loans | 128.8212% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 957 |
| Noncurrent loans to loans | 1.0994% | 751 |
| Net loans and leases to total assets | 51.8775% | 3,169 |
| Net loans and leases to deposits | 63.5713% | 2,761 |
| Net loans and leases to core deposits | 66.9712% | 2,742 |
| Total domestic deposits to total assets | 81.6052% | 4,063 |
| Equity capital to assets | 14.9870% | 404 |
| Core capital (leverage) ratio | 15.2883% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6260% | 276 |
| Memoranda: | ||
| Average total assets | $1,074,503,333 | 918 |
| Average earning assets | $972,662,333 | 932 |
| Average equity | $165,221,667 | 644 |
| Average total loans | $583,807,333 | 1,043 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 441 |
| Cost of funding earning assets | 0.2532% | 2,120 |
| Net interest margin | 4.0417% | 386 |
| Noninterest income to average assets | 2.6898% | 174 |
| Noninterest expense to average assets | 6.1407% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2039% | 4,327 |
| Return on assets (ROA) | 0.2219% | 4,262 |
| Pretax return on assets | 0.2341% | 4,289 |
| Return on Equity (ROE) | 1.4252% | 4,353 |
| Retained earnings to average equity (ytd only) | 1.4252% | 3,713 |
| Net charge-offs to loans | 0.2885% | 220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.3520% | 1,741 |
| Efficiency ratio | 96.6139% | 312 |
| Assets per employee ($millions) | 2.8377% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 2,182 |
| Loan loss allowance to noncurrent loans | 121.8245% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 993 |
| Noncurrent loans to loans | 1.0982% | 816 |
| Net loans and leases to total assets | 52.7873% | 2,907 |
| Net loans and leases to deposits | 64.8765% | 2,450 |
| Net loans and leases to core deposits | 68.3906% | 2,424 |
| Total domestic deposits to total assets | 81.3658% | 4,159 |
| Equity capital to assets | 15.3064% | 366 |
| Core capital (leverage) ratio | 15.1964% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9574% | 240 |
| Memoranda: | ||
| Average total assets | $1,077,990,000 | 918 |
| Average earning assets | $977,811,000 | 934 |
| Average equity | $167,837,000 | 648 |
| Average total loans | $594,829,000 | 1,028 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 414 |
| Cost of funding earning assets | 0.3527% | 1,915 |
| Net interest margin | 4.3539% | 368 |
| Noninterest income to average assets | 3.7612% | 149 |
| Noninterest expense to average assets | 6.8921% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6075% | 3,860 |
| Return on assets (ROA) | 0.6075% | 3,908 |
| Pretax return on assets | 0.7622% | 3,808 |
| Return on Equity (ROE) | 3.7222% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.7222% | 3,332 |
| Net charge-offs to loans | 0.0806% | 998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 13.9520% | 2,056 |
| Efficiency ratio | 90.0425% | 331 |
| Assets per employee ($millions) | 2.8210% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,174 |
| Loan loss allowance to noncurrent loans | 123.6111% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 1,051 |
| Noncurrent loans to loans | 1.0865% | 891 |
| Net loans and leases to total assets | 56.1108% | 2,595 |
| Net loans and leases to deposits | 71.0688% | 2,010 |
| Net loans and leases to core deposits | 75.0837% | 1,990 |
| Total domestic deposits to total assets | 78.9529% | 4,325 |
| Equity capital to assets | 15.8355% | 397 |
| Core capital (leverage) ratio | 15.2902% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5924% | 269 |
| Memoranda: | ||
| Average total assets | $1,028,778,800 | 943 |
| Average earning assets | $919,880,400 | 967 |
| Average equity | $167,913,600 | 646 |
| Average total loans | $697,567,200 | 881 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 450 |
| Cost of funding earning assets | 0.3733% | 1,907 |
| Net interest margin | 4.3723% | 385 |
| Noninterest income to average assets | 4.1228% | 132 |
| Noninterest expense to average assets | 7.1384% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6929% | 3,781 |
| Return on assets (ROA) | 0.6929% | 3,849 |
| Pretax return on assets | 0.8775% | 3,744 |
| Return on Equity (ROE) | 4.2120% | 4,267 |
| Retained earnings to average equity (ytd only) | 4.2120% | 3,508 |
| Net charge-offs to loans | 0.1203% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.3236% | 2,039 |
| Efficiency ratio | 89.0526% | 352 |
| Assets per employee ($millions) | 2.7764% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,957 |
| Loan loss allowance to noncurrent loans | 122.6681% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 1,217 |
| Noncurrent loans to loans | 0.9842% | 1,168 |
| Net loans and leases to total assets | 62.5048% | 1,948 |
| Net loans and leases to deposits | 80.4320% | 1,247 |
| Net loans and leases to core deposits | 85.1064% | 1,345 |
| Total domestic deposits to total assets | 77.7113% | 4,447 |
| Equity capital to assets | 15.9627% | 420 |
| Core capital (leverage) ratio | 15.5400% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7687% | 311 |
| Memoranda: | ||
| Average total assets | $1,017,978,500 | 963 |
| Average earning assets | $906,406,250 | 994 |
| Average equity | $167,453,750 | 651 |
| Average total loans | $719,537,750 | 872 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 406 |
| Cost of funding earning assets | 0.3953% | 1,925 |
| Net interest margin | 4.4999% | 351 |
| Noninterest income to average assets | 4.5695% | 123 |
| Noninterest expense to average assets | 7.5296% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8066% | 3,489 |
| Return on assets (ROA) | 0.8066% | 3,565 |
| Pretax return on assets | 1.0323% | 3,365 |
| Return on Equity (ROE) | 4.8526% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.8526% | 3,243 |
| Net charge-offs to loans | 0.1267% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.1180% | 1,774 |
| Efficiency ratio | 87.9430% | 400 |
| Assets per employee ($millions) | 2.7163% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,223 |
| Loan loss allowance to noncurrent loans | 228.6503% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 2,194 |
| Noncurrent loans to loans | 0.5005% | 2,178 |
| Net loans and leases to total assets | 68.4209% | 1,396 |
| Net loans and leases to deposits | 88.5751% | 746 |
| Net loans and leases to core deposits | 93.7211% | 916 |
| Total domestic deposits to total assets | 77.2462% | 4,497 |
| Equity capital to assets | 16.0959% | 403 |
| Core capital (leverage) ratio | 15.7148% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5621% | 319 |
| Memoranda: | ||
| Average total assets | $1,003,775,000 | 961 |
| Average earning assets | $890,556,333 | 1,001 |
| Average equity | $166,838,667 | 645 |
| Average total loans | $735,710,333 | 863 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 394 |
| Cost of funding earning assets | 0.4337% | 1,837 |
| Net interest margin | 4.4963% | 358 |
| Noninterest income to average assets | 5.2590% | 120 |
| Noninterest expense to average assets | 7.7813% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1046% | 2,461 |
| Return on assets (ROA) | 1.1046% | 2,539 |
| Pretax return on assets | 1.4400% | 2,168 |
| Return on Equity (ROE) | 6.5361% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.5361% | 2,714 |
| Net charge-offs to loans | 0.0291% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 65.5185% | 782 |
| Efficiency ratio | 84.3838% | 576 |
| Assets per employee ($millions) | 2.7335% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,907 |
| Loan loss allowance to noncurrent loans | 233.1992% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 2,283 |
| Noncurrent loans to loans | 0.5164% | 2,304 |
| Net loans and leases to total assets | 71.8986% | 1,042 |
| Net loans and leases to deposits | 94.4533% | 471 |
| Net loans and leases to core deposits | 97.7198% | 814 |
| Total domestic deposits to total assets | 76.1208% | 4,578 |
| Equity capital to assets | 16.8546% | 325 |
| Core capital (leverage) ratio | 16.3605% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9966% | 294 |
| Memoranda: | ||
| Average total assets | $982,768,500 | 970 |
| Average earning assets | $866,038,500 | 1,009 |
| Average equity | $166,093,500 | 644 |
| Average total loans | $741,654,500 | 858 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 121 |
| Cost of funding earning assets | 0.5490% | 2,619 |
| Net interest margin | 5.2246% | 94 |
| Noninterest income to average assets | 5.8634% | 99 |
| Noninterest expense to average assets | 7.8602% | 97 |
| Loan and lease loss provision to assets | 0.5504% | 397 |
| Net operating income to assets | 1.6534% | 568 |
| Return on assets (ROA) | 1.7592% | 460 |
| Pretax return on assets | 2.2451% | 281 |
| Return on Equity (ROE) | 10.2041% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.2041% | 550 |
| Net charge-offs to loans | 0.1573% | 1,043 |
| Credit loss provision to net charge-offs | 474.3833% | 1,300 |
| Earnings coverage of net charge-offs (x) | 22.9393% | 1,827 |
| Efficiency ratio | 74.7044% | 1,364 |
| Assets per employee ($millions) | 2.8967% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,211 |
| Loan loss allowance to noncurrent loans | 274.5529% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 2,666 |
| Noncurrent loans to loans | 0.4187% | 2,724 |
| Net loans and leases to total assets | 77.3102% | 668 |
| Net loans and leases to deposits | 104.7428% | 249 |
| Net loans and leases to core deposits | 109.5217% | 525 |
| Total domestic deposits to total assets | 73.8095% | 4,646 |
| Equity capital to assets | 16.9474% | 339 |
| Core capital (leverage) ratio | 16.2411% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6519% | 330 |
| Memoranda: | ||
| Average total assets | $908,429,600 | 959 |
| Average earning assets | $809,963,800 | 993 |
| Average equity | $156,613,000 | 652 |
| Average total loans | $670,045,400 | 900 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1036% | 94 |
| Cost of funding earning assets | 0.5654% | 2,837 |
| Net interest margin | 5.5382% | 73 |
| Noninterest income to average assets | 6.0848% | 94 |
| Noninterest expense to average assets | 7.9213% | 98 |
| Loan and lease loss provision to assets | 0.6725% | 334 |
| Net operating income to assets | 1.8809% | 385 |
| Return on assets (ROA) | 2.0246% | 307 |
| Pretax return on assets | 2.6394% | 171 |
| Return on Equity (ROE) | 11.6894% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.6894% | 475 |
| Net charge-offs to loans | 0.1545% | 951 |
| Credit loss provision to net charge-offs | 600.0000% | 1,163 |
| Earnings coverage of net charge-offs (x) | 27.9267% | 1,646 |
| Efficiency ratio | 71.6780% | 1,678 |
| Assets per employee ($millions) | 3.0158% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,009 |
| Loan loss allowance to noncurrent loans | 250.8504% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 2,763 |
| Noncurrent loans to loans | 0.4525% | 2,694 |
| Net loans and leases to total assets | 73.7379% | 1,410 |
| Net loans and leases to deposits | 107.3644% | 283 |
| Net loans and leases to core deposits | 112.4336% | 614 |
| Total domestic deposits to total assets | 68.6800% | 4,797 |
| Equity capital to assets | 16.1029% | 460 |
| Core capital (leverage) ratio | 16.5729% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0360% | 304 |
| Memoranda: | ||
| Average total assets | $892,216,500 | 956 |
| Average earning assets | $800,113,500 | 987 |
| Average equity | $154,529,750 | 650 |
| Average total loans | $647,257,750 | 917 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6992% | 73 |
| Cost of funding earning assets | 0.5829% | 3,063 |
| Net interest margin | 6.1162% | 59 |
| Noninterest income to average assets | 5.3618% | 96 |
| Noninterest expense to average assets | 7.9191% | 90 |
| Loan and lease loss provision to assets | 0.8208% | 296 |
| Net operating income to assets | 1.6302% | 714 |
| Return on assets (ROA) | 1.8557% | 492 |
| Pretax return on assets | 2.4016% | 250 |
| Return on Equity (ROE) | 10.4249% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.4249% | 705 |
| Net charge-offs to loans | 0.2347% | 671 |
| Credit loss provision to net charge-offs | 487.4652% | 1,257 |
| Earnings coverage of net charge-offs (x) | 17.4429% | 1,816 |
| Efficiency ratio | 72.9462% | 1,574 |
| Assets per employee ($millions) | 3.1100% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,500 |
| Loan loss allowance to noncurrent loans | 185.6129% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,631 |
| Noncurrent loans to loans | 0.5467% | 2,531 |
| Net loans and leases to total assets | 73.8952% | 1,425 |
| Net loans and leases to deposits | 111.3982% | 201 |
| Net loans and leases to core deposits | 115.4492% | 552 |
| Total domestic deposits to total assets | 66.3342% | 4,880 |
| Equity capital to assets | 15.7132% | 508 |
| Core capital (leverage) ratio | 16.0210% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6153% | 318 |
| Memoranda: | ||
| Average total assets | $852,854,667 | 979 |
| Average earning assets | $766,125,000 | 1,001 |
| Average equity | $151,810,333 | 654 |
| Average total loans | $611,834,000 | 948 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 347 |
| Cost of funding earning assets | 0.6383% | 3,236 |
| Net interest margin | 4.8936% | 234 |
| Noninterest income to average assets | 3.7104% | 120 |
| Noninterest expense to average assets | 7.5606% | 103 |
| Loan and lease loss provision to assets | 0.2569% | 1,210 |
| Net operating income to assets | 0.2242% | 4,487 |
| Return on assets (ROA) | 0.3422% | 4,289 |
| Pretax return on assets | 0.3987% | 4,296 |
| Return on Equity (ROE) | 1.7875% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.7875% | 3,516 |
| Net charge-offs to loans | 0.2611% | 562 |
| Credit loss provision to net charge-offs | 140.8451% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.8423% | 2,250 |
| Efficiency ratio | 93.5835% | 378 |
| Assets per employee ($millions) | 2.4675% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 4,166 |
| Loan loss allowance to noncurrent loans | 119.5988% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 2,405 |
| Noncurrent loans to loans | 0.7409% | 2,151 |
| Net loans and leases to total assets | 69.4574% | 2,326 |
| Net loans and leases to deposits | 97.6366% | 766 |
| Net loans and leases to core deposits | 100.3106% | 1,448 |
| Total domestic deposits to total assets | 71.1387% | 4,810 |
| Equity capital to assets | 18.8400% | 297 |
| Core capital (leverage) ratio | 18.7921% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8455% | 395 |
| Memoranda: | ||
| Average total assets | $778,564,000 | 1,024 |
| Average earning assets | $695,025,000 | 1,040 |
| Average equity | $149,036,500 | 662 |
| Average total loans | $543,951,500 | 1,019 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6932% | 406 |
| Cost of funding earning assets | 0.7655% | 2,847 |
| Net interest margin | 4.9277% | 312 |
| Noninterest income to average assets | 3.3878% | 128 |
| Noninterest expense to average assets | 7.0431% | 105 |
| Loan and lease loss provision to assets | 0.0070% | 3,866 |
| Net operating income to assets | 0.5940% | 4,177 |
| Return on assets (ROA) | 0.6253% | 4,148 |
| Pretax return on assets | 0.8025% | 3,967 |
| Return on Equity (ROE) | 3.4684% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.4684% | 3,274 |
| Net charge-offs to loans | 0.0361% | 2,661 |
| Credit loss provision to net charge-offs | 28.2828% | 3,283 |
| Earnings coverage of net charge-offs (x) | 31.1515% | 1,542 |
| Efficiency ratio | 90.1454% | 350 |
| Assets per employee ($millions) | 2.3680% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 3,925 |
| Loan loss allowance to noncurrent loans | 133.8534% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,485 |
| Noncurrent loans to loans | 0.6780% | 2,190 |
| Net loans and leases to total assets | 69.0113% | 2,540 |
| Net loans and leases to deposits | 92.4652% | 1,314 |
| Net loans and leases to core deposits | 96.2706% | 1,880 |
| Total domestic deposits to total assets | 74.6349% | 4,728 |
| Equity capital to assets | 19.4596% | 273 |
| Core capital (leverage) ratio | 18.2374% | 323 |
| Tier 1 risk-based capital ratio | 26.0044% | 678 |
| Total risk-based capital ratio | 26.8950% | 689 |
| Memoranda: | ||
| Average total assets | $801,101,000 | 971 |
| Average earning assets | $719,407,800 | 989 |
| Average equity | $144,419,400 | 650 |
| Average total loans | $548,223,600 | 982 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 448 |
| Cost of funding earning assets | 0.7801% | 2,814 |
| Net interest margin | 4.8721% | 364 |
| Noninterest income to average assets | 3.3182% | 134 |
| Noninterest expense to average assets | 6.8622% | 114 |
| Loan and lease loss provision to assets | 0.0092% | 3,707 |
| Net operating income to assets | 0.6426% | 4,172 |
| Return on assets (ROA) | 0.6810% | 4,134 |
| Pretax return on assets | 0.8757% | 3,944 |
| Return on Equity (ROE) | 3.8491% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.8491% | 3,474 |
| Net charge-offs to loans | 0.0376% | 2,335 |
| Credit loss provision to net charge-offs | 35.8974% | 2,880 |
| Earnings coverage of net charge-offs (x) | 32.6225% | 1,553 |
| Efficiency ratio | 89.1370% | 359 |
| Assets per employee ($millions) | 2.4706% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,162 |
| Loan loss allowance to noncurrent loans | 145.9337% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,757 |
| Noncurrent loans to loans | 0.5964% | 2,492 |
| Net loans and leases to total assets | 69.8015% | 2,501 |
| Net loans and leases to deposits | 93.1811% | 1,300 |
| Net loans and leases to core deposits | 101.2055% | 1,567 |
| Total domestic deposits to total assets | 74.9095% | 4,754 |
| Equity capital to assets | 18.6148% | 341 |
| Core capital (leverage) ratio | 17.6189% | 378 |
| Tier 1 risk-based capital ratio | 24.6421% | 794 |
| Total risk-based capital ratio | 25.4966% | 809 |
| Memoranda: | ||
| Average total assets | $811,345,500 | 968 |
| Average earning assets | $729,439,000 | 983 |
| Average equity | $143,545,000 | 646 |
| Average total loans | $552,935,750 | 975 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5440% | 522 |
| Cost of funding earning assets | 0.7758% | 2,767 |
| Net interest margin | 4.7682% | 434 |
| Noninterest income to average assets | 3.0736% | 146 |
| Noninterest expense to average assets | 6.6954% | 120 |
| Loan and lease loss provision to assets | 0.0137% | 3,500 |
| Net operating income to assets | 0.5056% | 4,519 |
| Return on assets (ROA) | 0.5399% | 4,476 |
| Pretax return on assets | 0.6942% | 4,342 |
| Return on Equity (ROE) | 3.1039% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.1039% | 3,667 |
| Net charge-offs to loans | 0.0968% | 1,395 |
| Credit loss provision to net charge-offs | 20.9738% | 2,647 |
| Earnings coverage of net charge-offs (x) | 10.1798% | 2,282 |
| Efficiency ratio | 90.9734% | 319 |
| Assets per employee ($millions) | 2.5019% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,237 |
| Loan loss allowance to noncurrent loans | 215.2727% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,335 |
| Noncurrent loans to loans | 0.3991% | 3,099 |
| Net loans and leases to total assets | 66.7999% | 3,003 |
| Net loans and leases to deposits | 87.7689% | 2,032 |
| Net loans and leases to core deposits | 99.7915% | 1,745 |
| Total domestic deposits to total assets | 76.1089% | 4,652 |
| Equity capital to assets | 17.7309% | 405 |
| Core capital (leverage) ratio | 17.0295% | 430 |
| Tier 1 risk-based capital ratio | 24.2666% | 822 |
| Total risk-based capital ratio | 25.1020% | 843 |
| Memoranda: | ||
| Average total assets | $818,266,670 | 956 |
| Average earning assets | $735,534,000 | 979 |
| Average equity | $142,338,330 | 648 |
| Average total loans | $551,686,670 | 978 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4275% | 595 |
| Cost of funding earning assets | 0.7665% | 2,701 |
| Net interest margin | 4.6610% | 540 |
| Noninterest income to average assets | 2.6576% | 174 |
| Noninterest expense to average assets | 6.5088% | 118 |
| Loan and lease loss provision to assets | 0.0274% | 3,059 |
| Net operating income to assets | 0.2434% | 4,968 |
| Return on assets (ROA) | 0.2708% | 4,943 |
| Pretax return on assets | 0.3500% | 4,904 |
| Return on Equity (ROE) | 1.5719% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.5719% | 4,178 |
| Net charge-offs to loans | -0.0326% | 4,679 |
| Credit loss provision to net charge-offs | -124.4444% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9989% | 248 |
| Assets per employee ($millions) | 2.5082% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 4,105 |
| Loan loss allowance to noncurrent loans | 149.2754% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 2,783 |
| Noncurrent loans to loans | 0.6119% | 2,504 |
| Net loans and leases to total assets | 67.3693% | 2,847 |
| Net loans and leases to deposits | 85.8390% | 2,145 |
| Net loans and leases to core deposits | 98.9952% | 1,706 |
| Total domestic deposits to total assets | 78.4833% | 4,439 |
| Equity capital to assets | 17.4249% | 402 |
| Core capital (leverage) ratio | 16.6585% | 461 |
| Tier 1 risk-based capital ratio | 23.7374% | 864 |
| Total risk-based capital ratio | 24.6208% | 879 |
| Memoranda: | ||
| Average total assets | $818,342,000 | 961 |
| Average earning assets | $736,319,500 | 981 |
| Average equity | $140,978,000 | 652 |
| Average total loans | $551,911,500 | 980 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 528 |
| Cost of funding earning assets | 0.6610% | 2,314 |
| Net interest margin | 4.6926% | 495 |
| Noninterest income to average assets | 3.2074% | 144 |
| Noninterest expense to average assets | 6.8029% | 109 |
| Loan and lease loss provision to assets | 0.0090% | 3,944 |
| Net operating income to assets | 0.4966% | 4,666 |
| Return on assets (ROA) | 0.4979% | 4,667 |
| Pretax return on assets | 0.6245% | 4,589 |
| Return on Equity (ROE) | 3.0170% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.0170% | 3,888 |
| Net charge-offs to loans | 0.0147% | 3,190 |
| Credit loss provision to net charge-offs | 88.2353% | 2,745 |
| Earnings coverage of net charge-offs (x) | 62.0706% | 1,004 |
| Efficiency ratio | 91.3074% | 297 |
| Assets per employee ($millions) | 2.4024% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,177 |
| Loan loss allowance to noncurrent loans | 138.4938% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 2,678 |
| Noncurrent loans to loans | 0.6479% | 2,372 |
| Net loans and leases to total assets | 66.3022% | 3,090 |
| Net loans and leases to deposits | 87.5974% | 2,103 |
| Net loans and leases to core deposits | 97.1509% | 1,957 |
| Total domestic deposits to total assets | 75.6896% | 4,785 |
| Equity capital to assets | 17.0324% | 416 |
| Core capital (leverage) ratio | 16.2648% | 483 |
| Tier 1 risk-based capital ratio | 23.3522% | 879 |
| Total risk-based capital ratio | 24.2084% | 895 |
| Memoranda: | ||
| Average total assets | $834,936,400 | 914 |
| Average earning assets | $752,157,600 | 932 |
| Average equity | $137,786,200 | 631 |
| Average total loans | $576,690,200 | 931 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 508 |
| Cost of funding earning assets | 0.6399% | 2,209 |
| Net interest margin | 4.6785% | 492 |
| Noninterest income to average assets | 3.4715% | 136 |
| Noninterest expense to average assets | 6.8972% | 109 |
| Loan and lease loss provision to assets | 0.0119% | 3,761 |
| Net operating income to assets | 0.6185% | 4,454 |
| Return on assets (ROA) | 0.6201% | 4,461 |
| Pretax return on assets | 0.7791% | 4,347 |
| Return on Equity (ROE) | 3.7876% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.7876% | 3,882 |
| Net charge-offs to loans | 0.0197% | 2,752 |
| Credit loss provision to net charge-offs | 87.2093% | 2,451 |
| Earnings coverage of net charge-offs (x) | 57.6415% | 1,079 |
| Efficiency ratio | 89.5486% | 340 |
| Assets per employee ($millions) | 2.4873% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,375 |
| Loan loss allowance to noncurrent loans | 136.8188% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 2,942 |
| Noncurrent loans to loans | 0.6343% | 2,495 |
| Net loans and leases to total assets | 66.6155% | 3,110 |
| Net loans and leases to deposits | 90.1525% | 1,875 |
| Net loans and leases to core deposits | 99.9728% | 1,799 |
| Total domestic deposits to total assets | 73.8920% | 4,987 |
| Equity capital to assets | 16.2765% | 489 |
| Core capital (leverage) ratio | 15.8257% | 546 |
| Tier 1 risk-based capital ratio | 23.0165% | 935 |
| Total risk-based capital ratio | 23.8602% | 957 |
| Memoranda: | ||
| Average total assets | $837,667,000 | 905 |
| Average earning assets | $754,646,000 | 930 |
| Average equity | $137,145,500 | 626 |
| Average total loans | $583,041,250 | 921 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 521 |
| Cost of funding earning assets | 0.6064% | 2,184 |
| Net interest margin | 4.6331% | 511 |
| Noninterest income to average assets | 3.5544% | 129 |
| Noninterest expense to average assets | 6.8837% | 115 |
| Loan and lease loss provision to assets | 0.0180% | 3,542 |
| Net operating income to assets | 0.6521% | 4,338 |
| Return on assets (ROA) | 0.6545% | 4,343 |
| Pretax return on assets | 0.8250% | 4,175 |
| Return on Equity (ROE) | 3.9899% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.9899% | 3,617 |
| Net charge-offs to loans | -0.0068% | 4,184 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9396% | 414 |
| Assets per employee ($millions) | 2.4716% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,497 |
| Loan loss allowance to noncurrent loans | 114.3763% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 2,703 |
| Noncurrent loans to loans | 0.7559% | 2,230 |
| Net loans and leases to total assets | 66.9646% | 3,016 |
| Net loans and leases to deposits | 95.4839% | 1,198 |
| Net loans and leases to core deposits | 100.8089% | 1,667 |
| Total domestic deposits to total assets | 70.1318% | 5,275 |
| Equity capital to assets | 15.8946% | 516 |
| Core capital (leverage) ratio | 15.9571% | 506 |
| Tier 1 risk-based capital ratio | 22.5657% | 979 |
| Total risk-based capital ratio | 23.4199% | 999 |
| Memoranda: | ||
| Average total assets | $834,170,330 | 906 |
| Average earning assets | $750,635,000 | 936 |
| Average equity | $136,844,000 | 623 |
| Average total loans | $587,405,000 | 911 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 508 |
| Cost of funding earning assets | 0.5821% | 2,158 |
| Net interest margin | 4.5988% | 500 |
| Noninterest income to average assets | 3.5103% | 134 |
| Noninterest expense to average assets | 6.7939% | 118 |
| Loan and lease loss provision to assets | 0.0220% | 3,242 |
| Net operating income to assets | 0.6526% | 4,266 |
| Return on assets (ROA) | 0.6576% | 4,260 |
| Pretax return on assets | 0.8310% | 4,082 |
| Return on Equity (ROE) | 3.9438% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.9438% | 3,611 |
| Net charge-offs to loans | -0.0075% | 4,143 |
| Credit loss provision to net charge-offs | -409.0909% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7269% | 498 |
| Assets per employee ($millions) | 2.3310% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,657 |
| Loan loss allowance to noncurrent loans | 113.1347% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 2,036 |
| Noncurrent loans to loans | 0.7477% | 2,342 |
| Net loans and leases to total assets | 71.4097% | 2,269 |
| Net loans and leases to deposits | 100.5682% | 670 |
| Net loans and leases to core deposits | 106.4005% | 1,207 |
| Total domestic deposits to total assets | 71.0062% | 5,331 |
| Equity capital to assets | 16.5812% | 430 |
| Core capital (leverage) ratio | 16.2257% | 462 |
| Tier 1 risk-based capital ratio | 22.0727% | 1,041 |
| Total risk-based capital ratio | 22.9129% | 1,076 |
| Memoranda: | ||
| Average total assets | $818,733,500 | 940 |
| Average earning assets | $735,330,000 | 963 |
| Average equity | $136,518,500 | 627 |
| Average total loans | $588,945,000 | 908 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 617 |
| Cost of funding earning assets | 0.3916% | 3,321 |
| Net interest margin | 4.6336% | 463 |
| Noninterest income to average assets | 3.9110% | 134 |
| Noninterest expense to average assets | 7.5976% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2189% | 5,071 |
| Return on assets (ROA) | 0.2298% | 5,066 |
| Pretax return on assets | 0.4738% | 4,969 |
| Return on Equity (ROE) | 1.3326% | 5,179 |
| Retained earnings to average equity (ytd only) | 1.3326% | 4,479 |
| Net charge-offs to loans | -0.0060% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9508% | 295 |
| Assets per employee ($millions) | 2.2136% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,678 |
| Loan loss allowance to noncurrent loans | 175.7178% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,508 |
| Noncurrent loans to loans | 0.4820% | 3,070 |
| Net loans and leases to total assets | 71.2390% | 2,343 |
| Net loans and leases to deposits | 101.1890% | 642 |
| Net loans and leases to core deposits | 103.9767% | 1,415 |
| Total domestic deposits to total assets | 70.4019% | 5,390 |
| Equity capital to assets | 16.7685% | 418 |
| Core capital (leverage) ratio | 16.2787% | 438 |
| Tier 1 risk-based capital ratio | 22.0088% | 1,013 |
| Total risk-based capital ratio | 22.8480% | 1,042 |
| Memoranda: | ||
| Average total assets | $791,623,400 | 942 |
| Average earning assets | $707,893,600 | 970 |
| Average equity | $136,504,000 | 602 |
| Average total loans | $554,531,400 | 929 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 564 |
| Cost of funding earning assets | 0.3732% | 3,436 |
| Net interest margin | 4.6649% | 437 |
| Noninterest income to average assets | 4.1734% | 134 |
| Noninterest expense to average assets | 7.7501% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4003% | 5,001 |
| Return on assets (ROA) | 0.4155% | 4,998 |
| Pretax return on assets | 0.6172% | 4,811 |
| Return on Equity (ROE) | 2.3925% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.3925% | 4,454 |
| Net charge-offs to loans | -0.0100% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5099% | 330 |
| Assets per employee ($millions) | 2.1607% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,697 |
| Loan loss allowance to noncurrent loans | 151.2336% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 2,303 |
| Noncurrent loans to loans | 0.5741% | 2,974 |
| Net loans and leases to total assets | 71.0988% | 2,391 |
| Net loans and leases to deposits | 99.0379% | 816 |
| Net loans and leases to core deposits | 100.5954% | 1,654 |
| Total domestic deposits to total assets | 71.7895% | 5,389 |
| Equity capital to assets | 17.3121% | 400 |
| Core capital (leverage) ratio | 16.4825% | 435 |
| Tier 1 risk-based capital ratio | 22.6423% | 978 |
| Total risk-based capital ratio | 23.5037% | 999 |
| Memoranda: | ||
| Average total assets | $785,876,500 | 953 |
| Average earning assets | $702,711,750 | 978 |
| Average equity | $136,480,500 | 602 |
| Average total loans | $546,844,750 | 944 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 585 |
| Cost of funding earning assets | 0.3547% | 3,533 |
| Net interest margin | 4.6222% | 462 |
| Noninterest income to average assets | 4.2454% | 136 |
| Noninterest expense to average assets | 7.7893% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3967% | 4,983 |
| Return on assets (ROA) | 0.4076% | 4,991 |
| Pretax return on assets | 0.6046% | 4,793 |
| Return on Equity (ROE) | 2.3447% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.3447% | 4,278 |
| Net charge-offs to loans | -0.0119% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6127% | 342 |
| Assets per employee ($millions) | 2.0796% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,650 |
| Loan loss allowance to noncurrent loans | 175.7447% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 2,459 |
| Noncurrent loans to loans | 0.5111% | 3,228 |
| Net loans and leases to total assets | 69.0137% | 2,668 |
| Net loans and leases to deposits | 93.5845% | 1,309 |
| Net loans and leases to core deposits | 94.8025% | 2,085 |
| Total domestic deposits to total assets | 73.7448% | 5,316 |
| Equity capital to assets | 17.3335% | 381 |
| Core capital (leverage) ratio | 16.6917% | 397 |
| Tier 1 risk-based capital ratio | 22.1398% | 1,034 |
| Total risk-based capital ratio | 22.9842% | 1,059 |
| Memoranda: | ||
| Average total assets | $782,068,670 | 963 |
| Average earning assets | $699,147,670 | 988 |
| Average equity | $135,964,330 | 604 |
| Average total loans | $538,514,330 | 958 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 701 |
| Cost of funding earning assets | 0.3441% | 3,590 |
| Net interest margin | 4.4910% | 528 |
| Noninterest income to average assets | 3.9159% | 148 |
| Noninterest expense to average assets | 7.5363% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2687% | 5,269 |
| Return on assets (ROA) | 0.2904% | 5,233 |
| Pretax return on assets | 0.4222% | 5,119 |
| Return on Equity (ROE) | 1.6677% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.6677% | 4,441 |
| Net charge-offs to loans | -0.0060% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6808% | 358 |
| Assets per employee ($millions) | 2.0947% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,655 |
| Loan loss allowance to noncurrent loans | 215.3712% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 2,640 |
| Noncurrent loans to loans | 0.4303% | 3,555 |
| Net loans and leases to total assets | 67.4757% | 2,749 |
| Net loans and leases to deposits | 91.5633% | 1,373 |
| Net loans and leases to core deposits | 92.4917% | 2,121 |
| Total domestic deposits to total assets | 73.6930% | 5,438 |
| Equity capital to assets | 17.3644% | 351 |
| Core capital (leverage) ratio | 16.9725% | 366 |
| Tier 1 risk-based capital ratio | 22.8737% | 994 |
| Total risk-based capital ratio | 23.7487% | 1,010 |
| Memoranda: | ||
| Average total assets | $776,937,000 | 967 |
| Average earning assets | $693,918,000 | 992 |
| Average equity | $135,277,000 | 599 |
| Average total loans | $531,884,500 | 967 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 878 |
| Cost of funding earning assets | 0.3672% | 3,338 |
| Net interest margin | 4.4402% | 709 |
| Noninterest income to average assets | 4.6083% | 131 |
| Noninterest expense to average assets | 7.7818% | 108 |
| Loan and lease loss provision to assets | 0.0235% | 3,895 |
| Net operating income to assets | 0.5337% | 4,499 |
| Return on assets (ROA) | 0.6104% | 4,283 |
| Pretax return on assets | 0.9238% | 3,753 |
| Return on Equity (ROE) | 3.5888% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.5888% | 3,372 |
| Net charge-offs to loans | -0.0141% | 5,035 |
| Credit loss provision to net charge-offs | -246.6667% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8483% | 565 |
| Assets per employee ($millions) | 2.0880% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,671 |
| Loan loss allowance to noncurrent loans | 204.4850% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,696 |
| Noncurrent loans to loans | 0.4529% | 3,527 |
| Net loans and leases to total assets | 68.1780% | 2,744 |
| Net loans and leases to deposits | 90.6954% | 1,607 |
| Net loans and leases to core deposits | 91.5611% | 2,342 |
| Total domestic deposits to total assets | 75.1725% | 5,332 |
| Equity capital to assets | 17.4593% | 341 |
| Core capital (leverage) ratio | 16.6274% | 389 |
| Tier 1 risk-based capital ratio | 23.3224% | 934 |
| Total risk-based capital ratio | 24.2187% | 954 |
| Memoranda: | ||
| Average total assets | $787,791,400 | 917 |
| Average earning assets | $710,484,800 | 938 |
| Average equity | $133,999,800 | 592 |
| Average total loans | $533,420,600 | 926 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 920 |
| Cost of funding earning assets | 0.3691% | 3,340 |
| Net interest margin | 4.4225% | 746 |
| Noninterest income to average assets | 4.8175% | 129 |
| Noninterest expense to average assets | 7.7566% | 110 |
| Loan and lease loss provision to assets | 0.0312% | 3,607 |
| Net operating income to assets | 0.6736% | 3,994 |
| Return on assets (ROA) | 0.7755% | 3,628 |
| Pretax return on assets | 1.1822% | 2,910 |
| Return on Equity (ROE) | 4.5886% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5886% | 3,086 |
| Net charge-offs to loans | 0.0052% | 3,720 |
| Credit loss provision to net charge-offs | 880.9524% | 460 |
| Earnings coverage of net charge-offs (x) | 299.4211% | 274 |
| Efficiency ratio | 87.5048% | 706 |
| Assets per employee ($millions) | 2.0912% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,905 |
| Loan loss allowance to noncurrent loans | 170.3599% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,748 |
| Noncurrent loans to loans | 0.5225% | 3,432 |
| Net loans and leases to total assets | 68.9163% | 2,653 |
| Net loans and leases to deposits | 92.1164% | 1,478 |
| Net loans and leases to core deposits | 94.5822% | 2,144 |
| Total domestic deposits to total assets | 74.8144% | 5,354 |
| Equity capital to assets | 17.4585% | 397 |
| Core capital (leverage) ratio | 16.5305% | 410 |
| Tier 1 risk-based capital ratio | 23.1892% | 981 |
| Total risk-based capital ratio | 24.0608% | 1,011 |
| Memoranda: | ||
| Average total assets | $791,598,750 | 912 |
| Average earning assets | $715,656,750 | 931 |
| Average equity | $133,778,750 | 598 |
| Average total loans | $533,865,500 | 923 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,059 |
| Cost of funding earning assets | 0.3706% | 3,351 |
| Net interest margin | 4.3250% | 875 |
| Noninterest income to average assets | 4.6361% | 136 |
| Noninterest expense to average assets | 7.5257% | 121 |
| Loan and lease loss provision to assets | 0.0465% | 3,218 |
| Net operating income to assets | 0.6463% | 4,056 |
| Return on assets (ROA) | 0.7543% | 3,682 |
| Pretax return on assets | 1.1528% | 2,981 |
| Return on Equity (ROE) | 4.5120% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.5120% | 3,044 |
| Net charge-offs to loans | 0.0151% | 3,232 |
| Credit loss provision to net charge-offs | 462.5000% | 695 |
| Earnings coverage of net charge-offs (x) | 102.7250% | 562 |
| Efficiency ratio | 87.4357% | 760 |
| Assets per employee ($millions) | 2.1119% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,986 |
| Loan loss allowance to noncurrent loans | 171.4439% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 2,706 |
| Noncurrent loans to loans | 0.5198% | 3,525 |
| Net loans and leases to total assets | 67.5376% | 2,861 |
| Net loans and leases to deposits | 90.0267% | 1,750 |
| Net loans and leases to core deposits | 93.2425% | 2,237 |
| Total domestic deposits to total assets | 75.0195% | 5,409 |
| Equity capital to assets | 17.0240% | 430 |
| Core capital (leverage) ratio | 16.0789% | 458 |
| Tier 1 risk-based capital ratio | 22.6601% | 1,057 |
| Total risk-based capital ratio | 23.5215% | 1,092 |
| Memoranda: | ||
| Average total assets | $795,458,000 | 911 |
| Average earning assets | $721,484,670 | 920 |
| Average equity | $132,978,330 | 604 |
| Average total loans | $531,024,000 | 921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,440 |
| Cost of funding earning assets | 0.3729% | 3,366 |
| Net interest margin | 4.1516% | 1,214 |
| Noninterest income to average assets | 3.8118% | 158 |
| Noninterest expense to average assets | 6.8995% | 144 |
| Loan and lease loss provision to assets | 0.0497% | 2,931 |
| Net operating income to assets | 0.4274% | 4,914 |
| Return on assets (ROA) | 0.5288% | 4,619 |
| Pretax return on assets | 0.8113% | 4,158 |
| Return on Equity (ROE) | 3.1926% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1926% | 3,909 |
| Net charge-offs to loans | 0.0387% | 2,217 |
| Credit loss provision to net charge-offs | 194.1176% | 1,106 |
| Earnings coverage of net charge-offs (x) | 27.5490% | 1,239 |
| Efficiency ratio | 90.1755% | 664 |
| Assets per employee ($millions) | 2.1575% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 5,063 |
| Loan loss allowance to noncurrent loans | 145.5219% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 2,668 |
| Noncurrent loans to loans | 0.6170% | 3,321 |
| Net loans and leases to total assets | 65.5107% | 3,022 |
| Net loans and leases to deposits | 86.6708% | 1,991 |
| Net loans and leases to core deposits | 89.8125% | 2,393 |
| Total domestic deposits to total assets | 75.5856% | 5,460 |
| Equity capital to assets | 16.7216% | 448 |
| Core capital (leverage) ratio | 15.7210% | 507 |
| Tier 1 risk-based capital ratio | 23.0049% | 1,013 |
| Total risk-based capital ratio | 23.8746% | 1,045 |
| Memoranda: | ||
| Average total assets | $797,211,500 | 908 |
| Average earning assets | $728,289,500 | 910 |
| Average equity | $132,056,500 | 606 |
| Average total loans | $526,699,000 | 932 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,342 |
| Cost of funding earning assets | 0.4091% | 3,057 |
| Net interest margin | 4.1868% | 1,195 |
| Noninterest income to average assets | 3.7734% | 167 |
| Noninterest expense to average assets | 6.8337% | 144 |
| Loan and lease loss provision to assets | 0.0799% | 2,683 |
| Net operating income to assets | 0.4700% | 4,813 |
| Return on assets (ROA) | 0.5364% | 4,643 |
| Pretax return on assets | 0.8197% | 4,126 |
| Return on Equity (ROE) | 3.3643% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.3643% | 3,655 |
| Net charge-offs to loans | 0.0523% | 3,151 |
| Credit loss provision to net charge-offs | 231.3167% | 1,234 |
| Earnings coverage of net charge-offs (x) | 23.0925% | 1,745 |
| Efficiency ratio | 88.9977% | 758 |
| Assets per employee ($millions) | 2.2485% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 5,146 |
| Loan loss allowance to noncurrent loans | 191.2259% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,971 |
| Noncurrent loans to loans | 0.4614% | 3,819 |
| Net loans and leases to total assets | 65.4488% | 3,057 |
| Net loans and leases to deposits | 84.5105% | 2,304 |
| Net loans and leases to core deposits | 88.7485% | 2,527 |
| Total domestic deposits to total assets | 77.4446% | 5,251 |
| Equity capital to assets | 16.4093% | 476 |
| Core capital (leverage) ratio | 15.4576% | 541 |
| Tier 1 risk-based capital ratio | 22.6187% | 1,064 |
| Total risk-based capital ratio | 23.4754% | 1,094 |
| Memoranda: | ||
| Average total assets | $813,722,800 | 853 |
| Average earning assets | $749,767,400 | 852 |
| Average equity | $129,742,800 | 586 |
| Average total loans | $537,574,200 | 872 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,312 |
| Cost of funding earning assets | 0.4245% | 2,967 |
| Net interest margin | 4.1827% | 1,205 |
| Noninterest income to average assets | 3.9299% | 159 |
| Noninterest expense to average assets | 6.9128% | 150 |
| Loan and lease loss provision to assets | 0.0816% | 2,541 |
| Net operating income to assets | 0.5052% | 4,768 |
| Return on assets (ROA) | 0.5836% | 4,555 |
| Pretax return on assets | 0.9124% | 3,944 |
| Return on Equity (ROE) | 3.6863% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.6863% | 3,846 |
| Net charge-offs to loans | 0.3218% | 828 |
| Credit loss provision to net charge-offs | 38.3730% | 3,181 |
| Earnings coverage of net charge-offs (x) | 4.0990% | 3,401 |
| Efficiency ratio | 88.2646% | 820 |
| Assets per employee ($millions) | 2.2483% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 5,822 |
| Loan loss allowance to noncurrent loans | 85.4626% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9069% | 2,605 |
| Noncurrent loans to loans | 0.7566% | 3,071 |
| Net loans and leases to total assets | 66.4738% | 2,939 |
| Net loans and leases to deposits | 87.2644% | 1,998 |
| Net loans and leases to core deposits | 91.7195% | 2,293 |
| Total domestic deposits to total assets | 76.1752% | 5,466 |
| Equity capital to assets | 16.2390% | 529 |
| Core capital (leverage) ratio | 15.4253% | 564 |
| Tier 1 risk-based capital ratio | 22.9116% | 1,065 |
| Total risk-based capital ratio | 23.5633% | 1,133 |
| Memoranda: | ||
| Average total assets | $817,035,250 | 864 |
| Average earning assets | $752,923,000 | 850 |
| Average equity | $129,340,500 | 589 |
| Average total loans | $539,826,750 | 878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 1,408 |
| Cost of funding earning assets | 0.4485% | 2,748 |
| Net interest margin | 4.0986% | 1,355 |
| Noninterest income to average assets | 3.8991% | 163 |
| Noninterest expense to average assets | 6.8523% | 155 |
| Loan and lease loss provision to assets | 0.0707% | 2,697 |
| Net operating income to assets | 0.4880% | 4,819 |
| Return on assets (ROA) | 0.5812% | 4,525 |
| Pretax return on assets | 0.8984% | 3,965 |
| Return on Equity (ROE) | 3.7029% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.7029% | 3,671 |
| Net charge-offs to loans | 0.0141% | 3,438 |
| Credit loss provision to net charge-offs | 763.1579% | 447 |
| Earnings coverage of net charge-offs (x) | 89.1316% | 652 |
| Efficiency ratio | 88.6483% | 864 |
| Assets per employee ($millions) | 2.2017% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 5,578 |
| Loan loss allowance to noncurrent loans | 64.5464% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 2,513 |
| Noncurrent loans to loans | 1.2548% | 2,148 |
| Net loans and leases to total assets | 68.5302% | 2,563 |
| Net loans and leases to deposits | 87.7764% | 1,867 |
| Net loans and leases to core deposits | 92.2447% | 2,134 |
| Total domestic deposits to total assets | 78.0735% | 5,268 |
| Equity capital to assets | 15.9556% | 533 |
| Core capital (leverage) ratio | 14.9117% | 629 |
| Tier 1 risk-based capital ratio | 22.6397% | 1,122 |
| Total risk-based capital ratio | 23.4935% | 1,148 |
| Memoranda: | ||
| Average total assets | $820,333,000 | 860 |
| Average earning assets | $756,357,330 | 848 |
| Average equity | $128,763,330 | 594 |
| Average total loans | $539,759,000 | 875 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,924 |
| Cost of funding earning assets | 0.4667% | 2,592 |
| Net interest margin | 3.8888% | 1,936 |
| Noninterest income to average assets | 3.6705% | 176 |
| Noninterest expense to average assets | 6.5064% | 170 |
| Loan and lease loss provision to assets | 0.0534% | 2,874 |
| Net operating income to assets | 0.4536% | 4,855 |
| Return on assets (ROA) | 0.5299% | 4,659 |
| Pretax return on assets | 0.8186% | 4,175 |
| Return on Equity (ROE) | 3.4037% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.4037% | 3,939 |
| Net charge-offs to loans | 0.0431% | 2,377 |
| Credit loss provision to net charge-offs | 192.9825% | 1,078 |
| Earnings coverage of net charge-offs (x) | 27.2807% | 1,212 |
| Efficiency ratio | 89.0329% | 936 |
| Assets per employee ($millions) | 2.2491% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 5,667 |
| Loan loss allowance to noncurrent loans | 59.7745% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,516 |
| Noncurrent loans to loans | 1.3606% | 2,114 |
| Net loans and leases to total assets | 65.3069% | 2,877 |
| Net loans and leases to deposits | 80.8641% | 2,465 |
| Net loans and leases to core deposits | 85.0455% | 2,650 |
| Total domestic deposits to total assets | 80.7613% | 4,869 |
| Equity capital to assets | 15.8950% | 556 |
| Core capital (leverage) ratio | 14.7623% | 646 |
| Tier 1 risk-based capital ratio | 23.5877% | 1,041 |
| Total risk-based capital ratio | 24.4395% | 1,060 |
| Memoranda: | ||
| Average total assets | $824,291,500 | 856 |
| Average earning assets | $761,049,000 | 848 |
| Average equity | $128,332,000 | 595 |
| Average total loans | $528,990,500 | 890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,495 |
| Cost of funding earning assets | 0.5836% | 1,916 |
| Net interest margin | 3.7464% | 2,819 |
| Noninterest income to average assets | 2.7115% | 215 |
| Noninterest expense to average assets | 5.8877% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1949% | 5,774 |
| Return on assets (ROA) | 0.2241% | 5,783 |
| Pretax return on assets | 0.3399% | 5,625 |
| Return on Equity (ROE) | 1.5009% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.5009% | 5,088 |
| Net charge-offs to loans | 0.0949% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.9545% | 3,533 |
| Efficiency ratio | 94.5511% | 569 |
| Assets per employee ($millions) | 2.2797% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 5,723 |
| Loan loss allowance to noncurrent loans | 57.5352% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 2,556 |
| Noncurrent loans to loans | 1.4263% | 2,060 |
| Net loans and leases to total assets | 62.0438% | 3,493 |
| Net loans and leases to deposits | 76.4021% | 3,156 |
| Net loans and leases to core deposits | 80.2764% | 3,262 |
| Total domestic deposits to total assets | 81.2070% | 4,677 |
| Equity capital to assets | 15.2522% | 657 |
| Core capital (leverage) ratio | 14.0936% | 790 |
| Tier 1 risk-based capital ratio | 23.4773% | 1,012 |
| Total risk-based capital ratio | 24.3426% | 1,047 |
| Memoranda: | ||
| Average total assets | $846,493,800 | 797 |
| Average earning assets | $784,432,200 | 779 |
| Average equity | $126,392,000 | 575 |
| Average total loans | $532,129,800 | 827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,461 |
| Cost of funding earning assets | 0.6086% | 1,762 |
| Net interest margin | 3.7300% | 2,903 |
| Noninterest income to average assets | 2.7845% | 210 |
| Noninterest expense to average assets | 5.8097% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2850% | 5,639 |
| Return on assets (ROA) | 0.3152% | 5,613 |
| Pretax return on assets | 0.4779% | 5,386 |
| Return on Equity (ROE) | 2.1223% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.1223% | 4,995 |
| Net charge-offs to loans | 0.1315% | 2,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.2220% | 3,307 |
| Efficiency ratio | 92.5498% | 668 |
| Assets per employee ($millions) | 2.2640% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 5,909 |
| Loan loss allowance to noncurrent loans | 60.6271% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 3,010 |
| Noncurrent loans to loans | 1.2941% | 2,480 |
| Net loans and leases to total assets | 65.0314% | 3,021 |
| Net loans and leases to deposits | 80.0521% | 2,681 |
| Net loans and leases to core deposits | 84.3770% | 2,839 |
| Total domestic deposits to total assets | 81.2364% | 4,755 |
| Equity capital to assets | 15.2624% | 681 |
| Core capital (leverage) ratio | 14.0910% | 819 |
| Tier 1 risk-based capital ratio | 23.3520% | 1,068 |
| Total risk-based capital ratio | 24.2156% | 1,097 |
| Memoranda: | ||
| Average total assets | $848,955,500 | 795 |
| Average earning assets | $786,898,250 | 783 |
| Average equity | $126,088,250 | 571 |
| Average total loans | $534,316,500 | 827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 2,710 |
| Cost of funding earning assets | 0.6120% | 1,797 |
| Net interest margin | 3.6562% | 3,115 |
| Noninterest income to average assets | 2.7676% | 208 |
| Noninterest expense to average assets | 5.6844% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3137% | 5,523 |
| Return on assets (ROA) | 0.3528% | 5,466 |
| Pretax return on assets | 0.5343% | 5,177 |
| Return on Equity (ROE) | 2.3966% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.3966% | 4,681 |
| Net charge-offs to loans | 0.1356% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.6417% | 2,894 |
| Efficiency ratio | 92.0246% | 764 |
| Assets per employee ($millions) | 2.5643% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,964 |
| Loan loss allowance to noncurrent loans | 73.3399% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 2,901 |
| Noncurrent loans to loans | 1.0983% | 3,029 |
| Net loans and leases to total assets | 61.6246% | 3,463 |
| Net loans and leases to deposits | 74.7218% | 3,240 |
| Net loans and leases to core deposits | 78.4053% | 3,390 |
| Total domestic deposits to total assets | 82.4721% | 4,481 |
| Equity capital to assets | 14.2438% | 880 |
| Core capital (leverage) ratio | 13.0978% | 1,123 |
| Tier 1 risk-based capital ratio | 23.8090% | 1,009 |
| Total risk-based capital ratio | 24.7304% | 1,035 |
| Memoranda: | ||
| Average total assets | $854,972,000 | 789 |
| Average earning assets | $793,179,000 | 774 |
| Average equity | $125,845,670 | 569 |
| Average total loans | $530,881,000 | 829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,692 |
| Cost of funding earning assets | 0.6269% | 1,756 |
| Net interest margin | 3.3707% | 4,256 |
| Noninterest income to average assets | 2.6103% | 224 |
| Noninterest expense to average assets | 5.5057% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1519% | 5,921 |
| Return on assets (ROA) | 0.1922% | 5,865 |
| Pretax return on assets | 0.2909% | 5,739 |
| Return on Equity (ROE) | 1.2836% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.2836% | 5,104 |
| Net charge-offs to loans | 0.0492% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.5313% | 2,110 |
| Efficiency ratio | 95.8680% | 648 |
| Assets per employee ($millions) | 2.3817% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 5,894 |
| Loan loss allowance to noncurrent loans | 66.9399% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 2,844 |
| Noncurrent loans to loans | 1.3280% | 2,813 |
| Net loans and leases to total assets | 61.9286% | 3,249 |
| Net loans and leases to deposits | 75.6179% | 2,855 |
| Net loans and leases to core deposits | 79.5029% | 3,034 |
| Total domestic deposits to total assets | 81.8967% | 4,972 |
| Equity capital to assets | 14.7657% | 721 |
| Core capital (leverage) ratio | 13.4447% | 986 |
| Tier 1 risk-based capital ratio | 23.9421% | 1,005 |
| Total risk-based capital ratio | 24.9451% | 1,029 |
| Memoranda: | ||
| Average total assets | $838,841,500 | 812 |
| Average earning assets | $777,763,000 | 795 |
| Average equity | $125,580,500 | 572 |
| Average total loans | $520,724,500 | 839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,616 |
| Cost of funding earning assets | 0.7032% | 1,791 |
| Net interest margin | 3.1553% | 5,147 |
| Noninterest income to average assets | 0.2138% | 5,803 |
| Noninterest expense to average assets | 3.0599% | 2,866 |
| Loan and lease loss provision to assets | 0.0237% | 4,654 |
| Net operating income to assets | 0.0562% | 6,120 |
| Return on assets (ROA) | 0.0942% | 6,108 |
| Pretax return on assets | 0.1430% | 6,024 |
| Return on Equity (ROE) | 0.6328% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.6328% | 5,548 |
| Net charge-offs to loans | 0.1410% | 3,401 |
| Credit loss provision to net charge-offs | 30.0752% | 4,249 |
| Earnings coverage of net charge-offs (x) | 1.3865% | 4,597 |
| Efficiency ratio | 96.3391% | 621 |
| Assets per employee ($millions) | 4.4120% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 5,778 |
| Loan loss allowance to noncurrent loans | 65.5290% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 2,891 |
| Noncurrent loans to loans | 1.4400% | 2,731 |
| Net loans and leases to total assets | 61.0738% | 3,519 |
| Net loans and leases to deposits | 73.8008% | 3,293 |
| Net loans and leases to core deposits | 75.3068% | 3,694 |
| Total domestic deposits to total assets | 82.7550% | 4,627 |
| Equity capital to assets | 15.1826% | 643 |
| Core capital (leverage) ratio | 14.8963% | 616 |
| Tier 1 risk-based capital ratio | 26.3807% | 742 |
| Total risk-based capital ratio | 27.4134% | 740 |
| Memoranda: | ||
| Average total assets | $845,629,600 | 783 |
| Average earning assets | $791,967,000 | 763 |
| Average equity | $125,955,000 | 562 |
| Average total loans | $471,618,000 | 903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 4,818 |
| Cost of funding earning assets | 0.7144% | 1,856 |
| Net interest margin | 3.0965% | 5,324 |
| Noninterest income to average assets | 0.2525% | 5,628 |
| Noninterest expense to average assets | 3.0691% | 2,759 |
| Loan and lease loss provision to assets | 0.0313% | 4,380 |
| Net operating income to assets | 0.0355% | 6,243 |
| Return on assets (ROA) | 0.0859% | 6,214 |
| Pretax return on assets | 0.1302% | 6,170 |
| Return on Equity (ROE) | 0.5793% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.5793% | 5,737 |
| Net charge-offs to loans | 0.1442% | 3,101 |
| Credit loss provision to net charge-offs | 40.0000% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.0880% | 4,483 |
| Efficiency ratio | 97.0787% | 569 |
| Assets per employee ($millions) | 4.4986% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,701 |
| Loan loss allowance to noncurrent loans | 58.6187% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 2,757 |
| Noncurrent loans to loans | 1.7098% | 2,628 |
| Net loans and leases to total assets | 58.9260% | 3,867 |
| Net loans and leases to deposits | 70.6511% | 3,694 |
| Net loans and leases to core deposits | 72.0245% | 4,088 |
| Total domestic deposits to total assets | 83.4042% | 4,411 |
| Equity capital to assets | 15.0494% | 706 |
| Core capital (leverage) ratio | 14.7357% | 688 |
| Tier 1 risk-based capital ratio | 27.0809% | 700 |
| Total risk-based capital ratio | 28.1798% | 696 |
| Memoranda: | ||
| Average total assets | $850,776,000 | 781 |
| Average earning assets | $797,322,000 | 758 |
| Average equity | $126,128,000 | 573 |
| Average total loans | $462,351,000 | 923 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 4,665 |
| Cost of funding earning assets | 0.7251% | 1,885 |
| Net interest margin | 3.1209% | 5,218 |
| Noninterest income to average assets | 0.2621% | 5,585 |
| Noninterest expense to average assets | 3.1218% | 2,601 |
| Loan and lease loss provision to assets | 0.0467% | 4,040 |
| Net operating income to assets | 0.0069% | 6,294 |
| Return on assets (ROA) | 0.0483% | 6,321 |
| Pretax return on assets | 0.0854% | 6,249 |
| Return on Equity (ROE) | 0.3275% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.3275% | 5,762 |
| Net charge-offs to loans | 0.1214% | 3,152 |
| Credit loss provision to net charge-offs | 72.9927% | 2,762 |
| Earnings coverage of net charge-offs (x) | 1.0547% | 4,181 |
| Efficiency ratio | 97.6729% | 584 |
| Assets per employee ($millions) | 4.5694% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 5,417 |
| Loan loss allowance to noncurrent loans | 60.9988% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 2,874 |
| Noncurrent loans to loans | 1.8145% | 2,625 |
| Net loans and leases to total assets | 55.1639% | 4,429 |
| Net loans and leases to deposits | 65.1862% | 4,361 |
| Net loans and leases to core deposits | 66.4954% | 4,642 |
| Total domestic deposits to total assets | 84.6251% | 4,073 |
| Equity capital to assets | 14.9966% | 712 |
| Core capital (leverage) ratio | 14.5438% | 688 |
| Tier 1 risk-based capital ratio | 29.5335% | 548 |
| Total risk-based capital ratio | 30.7835% | 539 |
| Memoranda: | ||
| Average total assets | $856,952,670 | 773 |
| Average earning assets | $803,755,000 | 754 |
| Average equity | $126,421,330 | 572 |
| Average total loans | $451,343,330 | 945 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 4,341 |
| Cost of funding earning assets | 0.7273% | 2,009 |
| Net interest margin | 3.2094% | 4,898 |
| Noninterest income to average assets | 0.2423% | 5,721 |
| Noninterest expense to average assets | 3.1388% | 2,548 |
| Loan and lease loss provision to assets | 0.0925% | 3,116 |
| Net operating income to assets | 0.0149% | 6,317 |
| Return on assets (ROA) | 0.0994% | 6,245 |
| Pretax return on assets | 0.1507% | 6,170 |
| Return on Equity (ROE) | 0.6794% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.6794% | 5,555 |
| Net charge-offs to loans | 0.0036% | 4,097 |
| Credit loss provision to net charge-offs | 5,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 575 |
| Efficiency ratio | 96.2484% | 721 |
| Assets per employee ($millions) | 4.8415% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 5,165 |
| Loan loss allowance to noncurrent loans | 65.8666% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 3,063 |
| Noncurrent loans to loans | 1.8266% | 2,831 |
| Net loans and leases to total assets | 52.3293% | 4,658 |
| Net loans and leases to deposits | 61.8006% | 4,580 |
| Net loans and leases to core deposits | 62.9447% | 4,853 |
| Total domestic deposits to total assets | 84.6745% | 4,189 |
| Equity capital to assets | 14.8049% | 805 |
| Core capital (leverage) ratio | 14.2639% | 726 |
| Tier 1 risk-based capital ratio | 29.6336% | 554 |
| Total risk-based capital ratio | 30.8861% | 548 |
| Memoranda: | ||
| Average total assets | $865,044,500 | 774 |
| Average earning assets | $811,746,000 | 750 |
| Average equity | $126,588,500 | 578 |
| Average total loans | $442,519,000 | 967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 5,760 |
| Cost of funding earning assets | 0.9527% | 1,627 |
| Net interest margin | 2.8765% | 6,267 |
| Noninterest income to average assets | 0.2252% | 5,828 |
| Noninterest expense to average assets | 3.3006% | 2,330 |
| Loan and lease loss provision to assets | -0.1850% | 6,974 |
| Net operating income to assets | -0.1293% | 6,313 |
| Return on assets (ROA) | -0.1060% | 6,387 |
| Pretax return on assets | -0.1656% | 6,403 |
| Return on Equity (ROE) | -0.7551% | 6,373 |
| Retained earnings to average equity (ytd only) | -0.7551% | 5,986 |
| Net charge-offs to loans | -0.4208% | 6,996 |
| Credit loss provision to net charge-offs | 98.5774% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0533% | 289 |
| Assets per employee ($millions) | 4.3225% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 5,017 |
| Loan loss allowance to noncurrent loans | 54.4411% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.5788% | 3,020 |
| Noncurrent loans to loans | 2.2431% | 2,413 |
| Net loans and leases to total assets | 48.7753% | 5,332 |
| Net loans and leases to deposits | 57.3792% | 5,307 |
| Net loans and leases to core deposits | 58.4978% | 5,496 |
| Total domestic deposits to total assets | 85.0052% | 3,863 |
| Equity capital to assets | 14.4658% | 888 |
| Core capital (leverage) ratio | 13.9039% | 829 |
| Tier 1 risk-based capital ratio | 30.5233% | 494 |
| Total risk-based capital ratio | 31.7744% | 486 |
| Memoranda: | ||
| Average total assets | $898,688,000 | 731 |
| Average earning assets | $839,935,400 | 713 |
| Average equity | $126,214,600 | 570 |
| Average total loans | $400,874,400 | 1,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 5,895 |
| Cost of funding earning assets | 1.0028% | 1,540 |
| Net interest margin | 2.8545% | 6,427 |
| Noninterest income to average assets | 0.2171% | 5,987 |
| Noninterest expense to average assets | 3.2755% | 2,345 |
| Loan and lease loss provision to assets | -0.2902% | 7,113 |
| Net operating income to assets | -0.0692% | 6,367 |
| Return on assets (ROA) | -0.0370% | 6,450 |
| Pretax return on assets | -0.0548% | 6,445 |
| Return on Equity (ROE) | -0.2652% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.2652% | 6,133 |
| Net charge-offs to loans | -0.5851% | 7,102 |
| Credit loss provision to net charge-offs | 114.1367% | 2,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4103% | 249 |
| Assets per employee ($millions) | 3.9475% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,153 |
| Loan loss allowance to noncurrent loans | 54.0450% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5187% | 3,303 |
| Noncurrent loans to loans | 2.2731% | 2,535 |
| Net loans and leases to total assets | 45.4363% | 5,825 |
| Net loans and leases to deposits | 53.4450% | 5,852 |
| Net loans and leases to core deposits | 54.4752% | 6,009 |
| Total domestic deposits to total assets | 85.0152% | 3,736 |
| Equity capital to assets | 14.3878% | 1,009 |
| Core capital (leverage) ratio | 13.8444% | 888 |
| Tier 1 risk-based capital ratio | 32.9338% | 410 |
| Total risk-based capital ratio | 34.1850% | 405 |
| Memoranda: | ||
| Average total assets | $905,073,750 | 733 |
| Average earning assets | $845,093,000 | 713 |
| Average equity | $126,191,500 | 570 |
| Average total loans | $393,307,000 | 1,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 5,909 |
| Cost of funding earning assets | 1.0562% | 1,430 |
| Net interest margin | 2.8468% | 6,502 |
| Noninterest income to average assets | 0.1568% | 6,406 |
| Noninterest expense to average assets | 3.2146% | 2,541 |
| Loan and lease loss provision to assets | 0.0658% | 4,814 |
| Net operating income to assets | -0.3081% | 6,624 |
| Return on assets (ROA) | -0.2610% | 6,650 |
| Pretax return on assets | -0.3954% | 6,697 |
| Return on Equity (ROE) | -1.8912% | 6,613 |
| Retained earnings to average equity (ytd only) | -1.8912% | 6,344 |
| Net charge-offs to loans | 0.2536% | 3,061 |
| Credit loss provision to net charge-offs | 60.8519% | 3,776 |
| Earnings coverage of net charge-offs (x) | -3.7099% | 5,427 |
| Efficiency ratio | 114.0296% | 278 |
| Assets per employee ($millions) | 3.8763% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,956 |
| Loan loss allowance to noncurrent loans | 62.0147% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 3,565 |
| Noncurrent loans to loans | 2.0713% | 2,862 |
| Net loans and leases to total assets | 43.1371% | 6,099 |
| Net loans and leases to deposits | 50.4395% | 6,149 |
| Net loans and leases to core deposits | 51.4673% | 6,271 |
| Total domestic deposits to total assets | 85.5224% | 3,593 |
| Equity capital to assets | 14.0128% | 1,094 |
| Core capital (leverage) ratio | 13.5160% | 976 |
| Tier 1 risk-based capital ratio | 33.7935% | 380 |
| Total risk-based capital ratio | 35.0453% | 377 |
| Memoranda: | ||
| Average total assets | $912,020,000 | 729 |
| Average earning assets | $851,124,670 | 706 |
| Average equity | $125,848,000 | 573 |
| Average total loans | $388,822,330 | 1,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 5,985 |
| Cost of funding earning assets | 1.1013% | 1,405 |
| Net interest margin | 2.8131% | 6,616 |
| Noninterest income to average assets | 0.5261% | 3,730 |
| Noninterest expense to average assets | 3.3829% | 2,048 |
| Loan and lease loss provision to assets | 0.0653% | 4,602 |
| Net operating income to assets | -0.1935% | 6,627 |
| Return on assets (ROA) | -0.0997% | 6,621 |
| Pretax return on assets | -0.1511% | 6,630 |
| Return on Equity (ROE) | -0.7284% | 6,605 |
| Retained earnings to average equity (ytd only) | -0.7284% | 6,117 |
| Net charge-offs to loans | 0.4768% | 1,896 |
| Credit loss provision to net charge-offs | 32.5380% | 3,582 |
| Earnings coverage of net charge-offs (x) | -1.1345% | 4,566 |
| Efficiency ratio | 107.0127% | 389 |
| Assets per employee ($millions) | 3.7731% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 5,176 |
| Loan loss allowance to noncurrent loans | 62.9469% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 3,697 |
| Noncurrent loans to loans | 2.0115% | 3,148 |
| Net loans and leases to total assets | 41.9303% | 6,202 |
| Net loans and leases to deposits | 48.8453% | 6,239 |
| Net loans and leases to core deposits | 49.8920% | 6,353 |
| Total domestic deposits to total assets | 85.8431% | 3,618 |
| Equity capital to assets | 13.7506% | 1,115 |
| Core capital (leverage) ratio | 13.3730% | 997 |
| Tier 1 risk-based capital ratio | 34.0760% | 362 |
| Total risk-based capital ratio | 35.3275% | 356 |
| Memoranda: | ||
| Average total assets | $918,376,000 | 728 |
| Average earning assets | $858,283,500 | 697 |
| Average equity | $125,763,000 | 570 |
| Average total loans | $386,742,000 | 1,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 6,348 |
| Cost of funding earning assets | 1.4344% | 907 |
| Net interest margin | 2.6227% | 6,990 |
| Noninterest income to average assets | 0.4849% | 3,958 |
| Noninterest expense to average assets | 3.0499% | 3,391 |
| Loan and lease loss provision to assets | 0.3778% | 2,732 |
| Net operating income to assets | -0.3344% | 6,370 |
| Return on assets (ROA) | -0.3321% | 6,419 |
| Pretax return on assets | -0.4804% | 6,486 |
| Return on Equity (ROE) | -2.5042% | 6,368 |
| Retained earnings to average equity (ytd only) | -2.5042% | 6,214 |
| Net charge-offs to loans | 0.9541% | 1,810 |
| Credit loss provision to net charge-offs | 87.7039% | 4,112 |
| Earnings coverage of net charge-offs (x) | -0.2459% | 5,983 |
| Efficiency ratio | 103.3881% | 587 |
| Assets per employee ($millions) | 3.6944% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,620 |
| Loan loss allowance to noncurrent loans | 62.2373% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 4,572 |
| Noncurrent loans to loans | 2.1923% | 2,960 |
| Net loans and leases to total assets | 41.1865% | 6,449 |
| Net loans and leases to deposits | 47.8235% | 6,507 |
| Net loans and leases to core deposits | 48.7666% | 6,606 |
| Total domestic deposits to total assets | 86.1218% | 3,249 |
| Equity capital to assets | 13.6377% | 1,198 |
| Core capital (leverage) ratio | 13.2486% | 1,053 |
| Tier 1 risk-based capital ratio | 35.5589% | 316 |
| Total risk-based capital ratio | 36.8121% | 312 |
| Memoranda: | ||
| Average total assets | $953,436,000 | 683 |
| Average earning assets | $893,968,200 | 662 |
| Average equity | $126,427,600 | 547 |
| Average total loans | $430,461,200 | 972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 6,438 |
| Cost of funding earning assets | 1.4987% | 865 |
| Net interest margin | 2.5888% | 7,081 |
| Noninterest income to average assets | 0.4507% | 4,287 |
| Noninterest expense to average assets | 3.0442% | 3,379 |
| Loan and lease loss provision to assets | 0.3647% | 2,671 |
| Net operating income to assets | -0.3491% | 6,542 |
| Return on assets (ROA) | -0.3461% | 6,592 |
| Pretax return on assets | -0.5247% | 6,635 |
| Return on Equity (ROE) | -2.6283% | 6,536 |
| Retained earnings to average equity (ytd only) | -2.6283% | 6,374 |
| Net charge-offs to loans | 0.1822% | 4,340 |
| Credit loss provision to net charge-offs | 435.5960% | 641 |
| Earnings coverage of net charge-offs (x) | -1.9636% | 6,018 |
| Efficiency ratio | 105.4973% | 515 |
| Assets per employee ($millions) | 3.8130% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,632 |
| Loan loss allowance to noncurrent loans | 69.3399% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 4,170 |
| Noncurrent loans to loans | 2.7303% | 2,565 |
| Net loans and leases to total assets | 43.1189% | 6,420 |
| Net loans and leases to deposits | 50.0376% | 6,499 |
| Net loans and leases to core deposits | 51.0061% | 6,622 |
| Total domestic deposits to total assets | 86.1730% | 3,110 |
| Equity capital to assets | 13.5393% | 1,352 |
| Core capital (leverage) ratio | 13.1890% | 1,157 |
| Tier 1 risk-based capital ratio | 33.8826% | 388 |
| Total risk-based capital ratio | 35.1432% | 377 |
| Memoranda: | ||
| Average total assets | $961,820,250 | 688 |
| Average earning assets | $902,466,250 | 666 |
| Average equity | $126,671,250 | 553 |
| Average total loans | $442,047,750 | 957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 6,510 |
| Cost of funding earning assets | 1.5856% | 740 |
| Net interest margin | 2.5059% | 7,185 |
| Noninterest income to average assets | 0.4103% | 4,592 |
| Noninterest expense to average assets | 3.0108% | 3,598 |
| Loan and lease loss provision to assets | 0.5386% | 1,810 |
| Net operating income to assets | -0.5192% | 6,705 |
| Return on assets (ROA) | -0.5192% | 6,734 |
| Pretax return on assets | -0.7870% | 6,818 |
| Return on Equity (ROE) | -3.9784% | 6,646 |
| Retained earnings to average equity (ytd only) | -3.9784% | 6,471 |
| Net charge-offs to loans | 0.2364% | 3,705 |
| Credit loss provision to net charge-offs | 488.7850% | 634 |
| Earnings coverage of net charge-offs (x) | -2.2542% | 5,727 |
| Efficiency ratio | 108.7757% | 502 |
| Assets per employee ($millions) | 3.8361% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 2,931 |
| Loan loss allowance to noncurrent loans | 56.6691% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5530% | 3,865 |
| Noncurrent loans to loans | 3.2054% | 2,238 |
| Net loans and leases to total assets | 43.9322% | 6,443 |
| Net loans and leases to deposits | 50.6930% | 6,553 |
| Net loans and leases to core deposits | 51.6697% | 6,685 |
| Total domestic deposits to total assets | 86.6631% | 2,951 |
| Equity capital to assets | 13.1163% | 1,462 |
| Core capital (leverage) ratio | 12.8475% | 1,221 |
| Tier 1 risk-based capital ratio | 32.9593% | 422 |
| Total risk-based capital ratio | 34.2194% | 407 |
| Memoranda: | ||
| Average total assets | $971,033,670 | 691 |
| Average earning assets | $911,466,670 | 665 |
| Average equity | $126,734,670 | 554 |
| Average total loans | $452,536,670 | 958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 6,209 |
| Cost of funding earning assets | 1.6567% | 658 |
| Net interest margin | 2.5725% | 7,146 |
| Noninterest income to average assets | 0.4127% | 4,604 |
| Noninterest expense to average assets | 3.0368% | 3,501 |
| Loan and lease loss provision to assets | 1.0628% | 701 |
| Net operating income to assets | -0.8393% | 6,978 |
| Return on assets (ROA) | -0.8393% | 6,983 |
| Pretax return on assets | -1.2716% | 7,086 |
| Return on Equity (ROE) | -6.4463% | 6,890 |
| Retained earnings to average equity (ytd only) | -6.4463% | 6,631 |
| Net charge-offs to loans | 0.2529% | 3,069 |
| Credit loss provision to net charge-offs | 884.3003% | 435 |
| Earnings coverage of net charge-offs (x) | -1.7372% | 4,948 |
| Efficiency ratio | 107.1657% | 555 |
| Assets per employee ($millions) | 3.8567% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 3,052 |
| Loan loss allowance to noncurrent loans | 91.0264% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 4,992 |
| Noncurrent loans to loans | 1.9623% | 3,620 |
| Net loans and leases to total assets | 45.3299% | 6,347 |
| Net loans and leases to deposits | 52.1677% | 6,466 |
| Net loans and leases to core deposits | 53.2390% | 6,604 |
| Total domestic deposits to total assets | 86.8927% | 3,001 |
| Equity capital to assets | 12.9326% | 1,412 |
| Core capital (leverage) ratio | 12.7376% | 1,221 |
| Tier 1 risk-based capital ratio | 31.8319% | 441 |
| Total risk-based capital ratio | 33.0921% | 436 |
| Memoranda: | ||
| Average total assets | $975,119,500 | 691 |
| Average earning assets | $915,530,500 | 663 |
| Average equity | $126,956,000 | 549 |
| Average total loans | $463,389,000 | 944 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 5,509 |
| Cost of funding earning assets | 1.8233% | 1,086 |
| Net interest margin | 2.9513% | 6,817 |
| Noninterest income to average assets | 0.5108% | 4,090 |
| Noninterest expense to average assets | 3.8461% | 1,400 |
| Loan and lease loss provision to assets | 0.1920% | 5,308 |
| Net operating income to assets | -0.6800% | 6,499 |
| Return on assets (ROA) | -0.6135% | 6,488 |
| Pretax return on assets | -0.7050% | 6,462 |
| Return on Equity (ROE) | -4.3835% | 6,381 |
| Retained earnings to average equity (ytd only) | -4.3835% | 6,236 |
| Net charge-offs to loans | 0.0705% | 6,097 |
| Credit loss provision to net charge-offs | 476.9841% | 479 |
| Earnings coverage of net charge-offs (x) | -14.6402% | 6,810 |
| Efficiency ratio | 91.6697% | 1,203 |
| Assets per employee ($millions) | 3.8980% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,485 |
| Loan loss allowance to noncurrent loans | 72.0773% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 5,364 |
| Noncurrent loans to loans | 1.6733% | 3,990 |
| Net loans and leases to total assets | 48.3004% | 6,360 |
| Net loans and leases to deposits | 55.6952% | 6,466 |
| Net loans and leases to core deposits | 56.7946% | 6,645 |
| Total domestic deposits to total assets | 86.7226% | 2,962 |
| Equity capital to assets | 13.1066% | 1,345 |
| Core capital (leverage) ratio | 13.0467% | 1,115 |
| Tier 1 risk-based capital ratio | 31.6457% | 442 |
| Total risk-based capital ratio | 32.8979% | 432 |
| Memoranda: | ||
| Average total assets | $938,858,600 | 716 |
| Average earning assets | $873,468,800 | 694 |
| Average equity | $131,402,200 | 518 |
| Average total loans | $536,226,200 | 841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 5,640 |
| Cost of funding earning assets | 1.8425% | 1,248 |
| Net interest margin | 2.9619% | 6,910 |
| Noninterest income to average assets | 0.4751% | 4,377 |
| Noninterest expense to average assets | 4.1360% | 893 |
| Loan and lease loss provision to assets | 0.0108% | 6,919 |
| Net operating income to assets | -1.0356% | 6,925 |
| Return on assets (ROA) | -0.9326% | 6,907 |
| Pretax return on assets | -0.8205% | 6,751 |
| Return on Equity (ROE) | -6.5546% | 6,763 |
| Retained earnings to average equity (ytd only) | -6.5546% | 6,682 |
| Net charge-offs to loans | 0.0075% | 6,562 |
| Credit loss provision to net charge-offs | 241.9355% | 1,397 |
| Earnings coverage of net charge-offs (x) | -205.3663% | 6,667 |
| Efficiency ratio | 92.4384% | 1,086 |
| Assets per employee ($millions) | 3.8478% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 6,934 |
| Loan loss allowance to noncurrent loans | 57.8912% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,529 |
| Noncurrent loans to loans | 1.4401% | 4,458 |
| Net loans and leases to total assets | 53.5458% | 5,909 |
| Net loans and leases to deposits | 61.9417% | 6,121 |
| Net loans and leases to core deposits | 63.2622% | 6,350 |
| Total domestic deposits to total assets | 86.4454% | 2,825 |
| Equity capital to assets | 13.1518% | 1,514 |
| Core capital (leverage) ratio | 13.1394% | 1,175 |
| Tier 1 risk-based capital ratio | 29.5187% | 539 |
| Total risk-based capital ratio | 30.5370% | 540 |
| Memoranda: | ||
| Average total assets | $929,949,250 | 724 |
| Average earning assets | $862,852,000 | 697 |
| Average equity | $132,322,000 | 505 |
| Average total loans | $551,175,000 | 821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8433% | 5,628 |
| Cost of funding earning assets | 1.8542% | 1,412 |
| Net interest margin | 2.9891% | 6,853 |
| Noninterest income to average assets | 0.4276% | 4,695 |
| Noninterest expense to average assets | 3.0638% | 3,456 |
| Loan and lease loss provision to assets | 0.0098% | 6,806 |
| Net operating income to assets | 0.0773% | 5,929 |
| Return on assets (ROA) | 0.1806% | 5,751 |
| Pretax return on assets | 0.2736% | 5,579 |
| Return on Equity (ROE) | 1.2366% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.2366% | 5,257 |
| Net charge-offs to loans | 0.0111% | 6,191 |
| Credit loss provision to net charge-offs | 145.1613% | 2,738 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,278 |
| Efficiency ratio | 95.8288% | 975 |
| Assets per employee ($millions) | 3.9396% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 7,067 |
| Loan loss allowance to noncurrent loans | 59.5467% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 5,504 |
| Noncurrent loans to loans | 1.3170% | 4,750 |
| Net loans and leases to total assets | 58.4933% | 5,333 |
| Net loans and leases to deposits | 68.5740% | 5,481 |
| Net loans and leases to core deposits | 70.0739% | 5,866 |
| Total domestic deposits to total assets | 85.2996% | 3,464 |
| Equity capital to assets | 14.3373% | 1,054 |
| Core capital (leverage) ratio | 13.7506% | 987 |
| Tier 1 risk-based capital ratio | 27.6310% | 657 |
| Total risk-based capital ratio | 28.5829% | 664 |
| Memoranda: | ||
| Average total assets | $916,715,330 | 730 |
| Average earning assets | $847,353,670 | 711 |
| Average equity | $133,920,330 | 500 |
| Average total loans | $560,376,000 | 817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 5,713 |
| Cost of funding earning assets | 1.8679% | 1,576 |
| Net interest margin | 2.9747% | 6,889 |
| Noninterest income to average assets | 0.4321% | 4,642 |
| Noninterest expense to average assets | 3.2158% | 2,800 |
| Loan and lease loss provision to assets | 0.0102% | 6,504 |
| Net operating income to assets | -0.0322% | 6,352 |
| Return on assets (ROA) | -0.0322% | 6,437 |
| Pretax return on assets | -0.0490% | 6,411 |
| Return on Equity (ROE) | -0.2185% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.2185% | 5,880 |
| Net charge-offs to loans | 0.0021% | 5,594 |
| Credit loss provision to net charge-offs | 766.6667% | 587 |
| Earnings coverage of net charge-offs (x) | -29.3333% | 5,586 |
| Efficiency ratio | 101.0142% | 806 |
| Assets per employee ($millions) | 3.6549% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 7,198 |
| Loan loss allowance to noncurrent loans | 157.6253% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,539 |
| Noncurrent loans to loans | 0.4892% | 6,320 |
| Net loans and leases to total assets | 61.3810% | 4,881 |
| Net loans and leases to deposits | 72.2677% | 5,011 |
| Net loans and leases to core deposits | 73.5663% | 5,540 |
| Total domestic deposits to total assets | 84.9356% | 3,705 |
| Equity capital to assets | 14.6956% | 959 |
| Core capital (leverage) ratio | 14.0400% | 950 |
| Tier 1 risk-based capital ratio | 26.2499% | 755 |
| Total risk-based capital ratio | 27.1622% | 767 |
| Memoranda: | ||
| Average total assets | $906,266,500 | 758 |
| Average earning assets | $836,249,000 | 735 |
| Average equity | $133,666,500 | 507 |
| Average total loans | $564,176,000 | 831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 4,709 |
| Cost of funding earning assets | 2.1404% | 2,275 |
| Net interest margin | 3.2578% | 5,899 |
| Noninterest income to average assets | 0.5377% | 4,123 |
| Noninterest expense to average assets | 3.0563% | 3,919 |
| Loan and lease loss provision to assets | 0.0200% | 7,302 |
| Net operating income to assets | 0.3245% | 4,432 |
| Return on assets (ROA) | 0.3245% | 4,520 |
| Pretax return on assets | 0.4651% | 4,305 |
| Return on Equity (ROE) | 2.1560% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.1560% | 3,596 |
| Net charge-offs to loans | 0.0957% | 6,177 |
| Credit loss provision to net charge-offs | 31.2611% | 6,890 |
| Earnings coverage of net charge-offs (x) | 7.5808% | 2,123 |
| Efficiency ratio | 86.1123% | 2,101 |
| Assets per employee ($millions) | 3.7603% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 7,221 |
| Loan loss allowance to noncurrent loans | 147.5248% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 6,273 |
| Noncurrent loans to loans | 0.5180% | 6,212 |
| Net loans and leases to total assets | 62.1721% | 4,955 |
| Net loans and leases to deposits | 73.3228% | 5,147 |
| Net loans and leases to core deposits | 89.1663% | 5,207 |
| Total domestic deposits to total assets | 84.7923% | 3,658 |
| Equity capital to assets | 14.8032% | 951 |
| Core capital (leverage) ratio | 14.0111% | 976 |
| Tier 1 risk-based capital ratio | 26.4836% | 730 |
| Total risk-based capital ratio | 27.3994% | 734 |
| Memoranda: | ||
| Average total assets | $879,802,400 | 768 |
| Average earning assets | $811,153,800 | 749 |
| Average equity | $132,422,200 | 506 |
| Average total loans | $588,494,800 | 811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,362 |
| Cost of funding earning assets | 2.1760% | 2,526 |
| Net interest margin | 3.3348% | 5,511 |
| Noninterest income to average assets | 0.5439% | 4,127 |
| Noninterest expense to average assets | 2.9981% | 4,050 |
| Loan and lease loss provision to assets | 0.0200% | 7,157 |
| Net operating income to assets | 0.4106% | 4,359 |
| Return on assets (ROA) | 0.4106% | 4,459 |
| Pretax return on assets | 0.6007% | 4,185 |
| Return on Equity (ROE) | 2.7165% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.7165% | 3,813 |
| Net charge-offs to loans | 0.0294% | 6,473 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 31.0615% | 913 |
| Efficiency ratio | 82.6639% | 2,485 |
| Assets per employee ($millions) | 4.1620% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 7,055 |
| Loan loss allowance to noncurrent loans | 117.6412% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 6,020 |
| Noncurrent loans to loans | 0.6975% | 5,905 |
| Net loans and leases to total assets | 63.0059% | 5,064 |
| Net loans and leases to deposits | 74.1442% | 5,346 |
| Net loans and leases to core deposits | 90.0531% | 5,426 |
| Total domestic deposits to total assets | 84.9776% | 3,247 |
| Equity capital to assets | 14.7567% | 1,075 |
| Core capital (leverage) ratio | 14.1835% | 1,047 |
| Tier 1 risk-based capital ratio | 26.9750% | 752 |
| Total risk-based capital ratio | 27.9933% | 745 |
| Memoranda: | ||
| Average total assets | $874,135,750 | 783 |
| Average earning assets | $805,984,250 | 770 |
| Average equity | $132,129,250 | 518 |
| Average total loans | $594,267,250 | 814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 3,554 |
| Cost of funding earning assets | 2.2078% | 2,760 |
| Net interest margin | 3.4889% | 4,849 |
| Noninterest income to average assets | 0.5400% | 4,112 |
| Noninterest expense to average assets | 3.0465% | 3,888 |
| Loan and lease loss provision to assets | 0.0294% | 6,951 |
| Net operating income to assets | 0.4435% | 4,317 |
| Return on assets (ROA) | 0.4435% | 4,426 |
| Pretax return on assets | 0.6737% | 4,085 |
| Return on Equity (ROE) | 2.9101% | 4,939 |
| Retained earnings to average equity (ytd only) | 2.9101% | 3,708 |
| Net charge-offs to loans | 0.0366% | 5,941 |
| Credit loss provision to net charge-offs | 115.4545% | 4,008 |
| Earnings coverage of net charge-offs (x) | 27.6273% | 1,051 |
| Efficiency ratio | 81.0699% | 2,873 |
| Assets per employee ($millions) | 3.9546% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 7,115 |
| Loan loss allowance to noncurrent loans | 141.2134% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 6,351 |
| Noncurrent loans to loans | 0.5739% | 6,115 |
| Net loans and leases to total assets | 67.0834% | 4,340 |
| Net loans and leases to deposits | 79.5929% | 4,602 |
| Net loans and leases to core deposits | 96.6860% | 4,825 |
| Total domestic deposits to total assets | 84.2832% | 3,606 |
| Equity capital to assets | 15.3978% | 948 |
| Core capital (leverage) ratio | 14.6000% | 999 |
| Tier 1 risk-based capital ratio | 26.3043% | 830 |
| Total risk-based capital ratio | 27.3067% | 831 |
| Memoranda: | ||
| Average total assets | $864,462,330 | 815 |
| Average earning assets | $795,257,330 | 801 |
| Average equity | $131,747,000 | 526 |
| Average total loans | $601,106,330 | 818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 3,331 |
| Cost of funding earning assets | 2.2362% | 2,980 |
| Net interest margin | 3.5596% | 4,486 |
| Noninterest income to average assets | 0.5471% | 3,950 |
| Noninterest expense to average assets | 3.0100% | 3,721 |
| Loan and lease loss provision to assets | 0.0291% | 6,561 |
| Net operating income to assets | 0.5092% | 4,377 |
| Return on assets (ROA) | 0.5092% | 4,563 |
| Pretax return on assets | 0.7694% | 4,188 |
| Return on Equity (ROE) | 3.3585% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.3585% | 4,014 |
| Net charge-offs to loans | 0.0413% | 4,910 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,133 |
| Efficiency ratio | 79.0342% | 2,994 |
| Assets per employee ($millions) | 3.6777% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 7,228 |
| Loan loss allowance to noncurrent loans | 172.1389% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 6,549 |
| Noncurrent loans to loans | 0.4531% | 6,287 |
| Net loans and leases to total assets | 70.1949% | 3,628 |
| Net loans and leases to deposits | 83.2972% | 4,094 |
| Net loans and leases to core deposits | 100.3060% | 4,511 |
| Total domestic deposits to total assets | 84.2704% | 3,569 |
| Equity capital to assets | 15.4519% | 975 |
| Core capital (leverage) ratio | 14.4900% | 1,089 |
| Tier 1 risk-based capital ratio | 26.0073% | 890 |
| Total risk-based capital ratio | 27.0027% | 890 |
| Memoranda: | ||
| Average total assets | $865,638,500 | 812 |
| Average earning assets | $793,128,500 | 803 |
| Average equity | $131,247,500 | 528 |
| Average total loans | $610,130,500 | 806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 6,655 |
| Cost of funding earning assets | 2.6505% | 3,425 |
| Net interest margin | 3.0870% | 6,687 |
| Noninterest income to average assets | 0.4878% | 4,716 |
| Noninterest expense to average assets | 2.8864% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3165% | 5,490 |
| Return on assets (ROA) | 0.3190% | 5,302 |
| Pretax return on assets | 0.4404% | 5,157 |
| Return on Equity (ROE) | 2.1814% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.1814% | 3,862 |
| Net charge-offs to loans | 0.2089% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.1533% | 4,510 |
| Efficiency ratio | 86.6521% | 1,790 |
| Assets per employee ($millions) | 3.7205% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 7,234 |
| Loan loss allowance to noncurrent loans | 183.4762% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 6,230 |
| Noncurrent loans to loans | 0.4161% | 6,097 |
| Net loans and leases to total assets | 69.6912% | 4,089 |
| Net loans and leases to deposits | 88.2893% | 3,759 |
| Net loans and leases to core deposits | 103.8163% | 4,408 |
| Total domestic deposits to total assets | 78.9350% | 5,399 |
| Equity capital to assets | 14.8801% | 1,188 |
| Core capital (leverage) ratio | 13.9937% | 1,257 |
| Tier 1 risk-based capital ratio | 22.4553% | 1,257 |
| Total risk-based capital ratio | 23.3223% | 1,273 |
| Memoranda: | ||
| Average total assets | $880,537,800 | 766 |
| Average earning assets | $808,823,000 | 757 |
| Average equity | $128,767,600 | 532 |
| Average total loans | $584,070,400 | 821 |