Home > First Century Bank > Performance and Condition Ratios
First Century 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 | 5.4851% | 1,180 |
| Cost of funding earning assets | 1.5830% | 1,733 |
| Net interest margin | 3.9022% | 1,372 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.4158% | 2,541 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4226% | 1,174 |
| Return on assets (ROA) | 1.4226% | 1,146 |
| Pretax return on assets | 1.8775% | 796 |
| Return on Equity (ROE) | 16.2200% | 1,065 |
| Retained earnings to average equity (ytd only) | 8.1942% | 1,481 |
| Net charge-offs to loans | 0.0098% | 2,288 |
| Credit loss provision to net charge-offs | 1,278.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 231.6400% | 531 |
| Efficiency ratio | 55.4470% | 3,552 |
| Assets per employee ($millions) | 7.0924% | 2,018 |
| Cash dividends to net income (ytd only)* | 49.4816% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,136 |
| Loan loss allowance to noncurrent loans | 19,513.7931% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,781 |
| Noncurrent loans to loans | 0.0053% | 3,742 |
| Net loans and leases to total assets | 86.7300% | 130 |
| Net loans and leases to deposits | 96.9773% | 715 |
| Net loans and leases to core deposits | 101.8382% | 1,339 |
| Total domestic deposits to total assets | 89.4300% | 939 |
| Equity capital to assets | 8.6470% | 2,936 |
| Core capital (leverage) ratio | 8.7433% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2532% | 2,512 |
| Memoranda: | ||
| Average total assets | $596,651,600 | 1,488 |
| Average earning assets | $563,123,200 | 1,459 |
| Average equity | $52,330,000 | 1,547 |
| Average total loans | $509,998,000 | 1,213 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 1,216 |
| Cost of funding earning assets | 1.4139% | 1,829 |
| Net interest margin | 3.9312% | 1,340 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.1571% | 3,196 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.6632% | 845 |
| Return on assets (ROA) | 1.6632% | 841 |
| Pretax return on assets | 2.1395% | 606 |
| Return on Equity (ROE) | 18.8900% | 834 |
| Retained earnings to average equity (ytd only) | 10.8035% | 1,188 |
| Net charge-offs to loans | 0.0122% | 1,952 |
| Credit loss provision to net charge-offs | 1,182.6087% | 365 |
| Earnings coverage of net charge-offs (x) | 217.5652% | 562 |
| Efficiency ratio | 48.8082% | 3,996 |
| Assets per employee ($millions) | 7.0577% | 1,917 |
| Cash dividends to net income (ytd only)* | 42.8164% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,096 |
| Loan loss allowance to noncurrent loans | 1,513.0435% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,218 |
| Noncurrent loans to loans | 0.0697% | 3,259 |
| Net loans and leases to total assets | 85.0600% | 208 |
| Net loans and leases to deposits | 94.9743% | 821 |
| Net loans and leases to core deposits | 99.0587% | 1,375 |
| Total domestic deposits to total assets | 89.5700% | 1,046 |
| Equity capital to assets | 8.7657% | 2,557 |
| Core capital (leverage) ratio | 8.9820% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6745% | 2,396 |
| Memoranda: | ||
| Average total assets | $589,781,500 | 1,506 |
| Average earning assets | $555,986,250 | 1,478 |
| Average equity | $51,920,250 | 1,547 |
| Average total loans | $500,754,500 | 1,232 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1956% | 1,218 |
| Cost of funding earning assets | 1.2078% | 1,966 |
| Net interest margin | 3.9878% | 1,268 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.2905% | 2,837 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.8071% | 649 |
| Return on assets (ROA) | 1.8071% | 649 |
| Pretax return on assets | 2.2768% | 486 |
| Return on Equity (ROE) | 20.5000% | 658 |
| Retained earnings to average equity (ytd only) | 12.3075% | 928 |
| Net charge-offs to loans | 0.0020% | 2,303 |
| Credit loss provision to net charge-offs | 3,800.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 1,362.4000% | 105 |
| Efficiency ratio | 49.4434% | 3,973 |
| Assets per employee ($millions) | 6.8442% | 2,047 |
| Cash dividends to net income (ytd only)* | 39.9543% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,243 |
| Loan loss allowance to noncurrent loans | 5,472.9167% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,680 |
| Noncurrent loans to loans | 0.0190% | 3,625 |
| Net loans and leases to total assets | 82.9900% | 332 |
| Net loans and leases to deposits | 92.7522% | 968 |
| Net loans and leases to core deposits | 96.1801% | 1,458 |
| Total domestic deposits to total assets | 89.4700% | 1,088 |
| Equity capital to assets | 8.7553% | 2,691 |
| Core capital (leverage) ratio | 9.0807% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7776% | 2,381 |
| Memoranda: | ||
| Average total assets | $581,702,000 | 1,525 |
| Average earning assets | $547,271,667 | 1,506 |
| Average equity | $51,286,000 | 1,571 |
| Average total loans | $491,712,333 | 1,232 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 1,173 |
| Cost of funding earning assets | 0.9264% | 2,288 |
| Net interest margin | 4.1041% | 1,090 |
| Noninterest income to average assets | 1.2200% | 434 |
| Noninterest expense to average assets | 2.3024% | 2,810 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.1981% | 367 |
| Return on assets (ROA) | 2.1981% | 366 |
| Pretax return on assets | 2.6979% | 290 |
| Return on Equity (ROE) | 24.8400% | 415 |
| Retained earnings to average equity (ytd only) | 16.5338% | 638 |
| Net charge-offs to loans | 0.0041% | 1,833 |
| Credit loss provision to net charge-offs | 1,900.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 789.8000% | 141 |
| Efficiency ratio | 45.4407% | 4,251 |
| Assets per employee ($millions) | 6.5114% | 2,336 |
| Cash dividends to net income (ytd only)* | 33.4395% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,298 |
| Loan loss allowance to noncurrent loans | 10,747.9167% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,792 |
| Noncurrent loans to loans | 0.0098% | 3,759 |
| Net loans and leases to total assets | 83.9400% | 240 |
| Net loans and leases to deposits | 93.9507% | 789 |
| Net loans and leases to core deposits | 97.1916% | 1,221 |
| Total domestic deposits to total assets | 89.3400% | 1,406 |
| Equity capital to assets | 8.9127% | 2,583 |
| Core capital (leverage) ratio | 9.3302% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6988% | 2,499 |
| Memoranda: | ||
| Average total assets | $571,409,000 | 1,575 |
| Average earning assets | $535,848,000 | 1,548 |
| Average equity | $50,563,000 | 1,599 |
| Average total loans | $485,030,500 | 1,261 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 659 |
| Cost of funding earning assets | 0.2528% | 3,297 |
| Net interest margin | 4.2969% | 430 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.4258% | 2,347 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4582% | 987 |
| Return on assets (ROA) | 1.4582% | 945 |
| Pretax return on assets | 2.0230% | 455 |
| Return on Equity (ROE) | 17.2400% | 824 |
| Retained earnings to average equity (ytd only) | 9.6491% | 1,259 |
| Net charge-offs to loans | -0.0072% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.6876% | 3,818 |
| Assets per employee ($millions) | 6.5500% | 2,296 |
| Cash dividends to net income (ytd only)* | 44.0421% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,673 |
| Loan loss allowance to noncurrent loans | 11,183.6735% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,814 |
| Noncurrent loans to loans | 0.0102% | 3,771 |
| Net loans and leases to total assets | 83.9700% | 257 |
| Net loans and leases to deposits | 93.2030% | 831 |
| Net loans and leases to core deposits | 96.2053% | 1,197 |
| Total domestic deposits to total assets | 90.0900% | 1,326 |
| Equity capital to assets | 8.7831% | 2,506 |
| Core capital (leverage) ratio | 8.7522% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4563% | 2,586 |
| Memoranda: | ||
| Average total assets | $560,566,600 | 1,584 |
| Average earning assets | $523,022,400 | 1,574 |
| Average equity | $47,403,400 | 1,691 |
| Average total loans | $444,316,200 | 1,284 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 619 |
| Cost of funding earning assets | 0.1640% | 3,691 |
| Net interest margin | 4.2064% | 414 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1687% | 3,010 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.6151% | 634 |
| Return on assets (ROA) | 1.6151% | 617 |
| Pretax return on assets | 2.1754% | 334 |
| Return on Equity (ROE) | 19.2900% | 501 |
| Retained earnings to average equity (ytd only) | 11.6081% | 887 |
| Net charge-offs to loans | -0.0104% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.9571% | 4,220 |
| Assets per employee ($millions) | 6.5548% | 2,276 |
| Cash dividends to net income (ytd only)* | 39.8113% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,769 |
| Loan loss allowance to noncurrent loans | 10,902.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,910 |
| Noncurrent loans to loans | 0.0106% | 3,865 |
| Net loans and leases to total assets | 82.8000% | 332 |
| Net loans and leases to deposits | 91.5297% | 790 |
| Net loans and leases to core deposits | 92.8338% | 1,149 |
| Total domestic deposits to total assets | 90.4600% | 1,450 |
| Equity capital to assets | 8.6850% | 2,419 |
| Core capital (leverage) ratio | 8.9522% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3298% | 2,711 |
| Memoranda: | ||
| Average total assets | $559,883,500 | 1,596 |
| Average earning assets | $522,624,250 | 1,584 |
| Average equity | $46,885,500 | 1,723 |
| Average total loans | $435,779,750 | 1,293 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 751 |
| Cost of funding earning assets | 0.1437% | 3,656 |
| Net interest margin | 3.9661% | 530 |
| Noninterest income to average assets | 0.5070% | 2,163 |
| Noninterest expense to average assets | 2.1790% | 2,923 |
| Loan and lease loss provision to assets | 0.0644% | 1,447 |
| Net operating income to assets | 1.4633% | 772 |
| Return on assets (ROA) | 1.4633% | 752 |
| Pretax return on assets | 1.9695% | 407 |
| Return on Equity (ROE) | 17.6948% | 509 |
| Retained earnings to average equity (ytd only) | 9.9016% | 1,049 |
| Net charge-offs to loans | -0.0009% | 3,034 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7209% | 4,148 |
| Assets per employee ($millions) | 6.2443% | 2,526 |
| Cash dividends to net income (ytd only)* | 44.0421% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,717 |
| Loan loss allowance to noncurrent loans | 5,953.4091% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,856 |
| Noncurrent loans to loans | 0.0200% | 3,817 |
| Net loans and leases to total assets | 79.8744% | 415 |
| Net loans and leases to deposits | 88.3417% | 810 |
| Net loans and leases to core deposits | 89.9630% | 1,124 |
| Total domestic deposits to total assets | 90.4152% | 1,507 |
| Equity capital to assets | 8.6957% | 2,615 |
| Core capital (leverage) ratio | 8.6897% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7941% | 2,570 |
| Memoranda: | ||
| Average total assets | $558,606,000 | 1,599 |
| Average earning assets | $521,970,333 | 1,603 |
| Average equity | $46,194,333 | 1,790 |
| Average total loans | $423,635,000 | 1,318 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 1,078 |
| Cost of funding earning assets | 0.1381% | 3,660 |
| Net interest margin | 3.6665% | 798 |
| Noninterest income to average assets | 0.4681% | 2,312 |
| Noninterest expense to average assets | 2.1159% | 3,095 |
| Loan and lease loss provision to assets | 0.0636% | 1,273 |
| Net operating income to assets | 1.2800% | 1,045 |
| Return on assets (ROA) | 1.2800% | 1,039 |
| Pretax return on assets | 1.7234% | 651 |
| Return on Equity (ROE) | 15.8359% | 549 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,599 |
| Net charge-offs to loans | 0.0038% | 1,629 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 631.7500% | 158 |
| Efficiency ratio | 54.2127% | 4,035 |
| Assets per employee ($millions) | 6.8464% | 2,104 |
| Cash dividends to net income (ytd only)* | 49.7238% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,778 |
| Loan loss allowance to noncurrent loans | 5,195.9596% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,896 |
| Noncurrent loans to loans | 0.0234% | 3,825 |
| Net loans and leases to total assets | 68.6318% | 1,143 |
| Net loans and leases to deposits | 74.8174% | 1,535 |
| Net loans and leases to core deposits | 76.1451% | 1,774 |
| Total domestic deposits to total assets | 91.7324% | 685 |
| Equity capital to assets | 7.5704% | 3,881 |
| Core capital (leverage) ratio | 8.8467% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4994% | 2,774 |
| Memoranda: | ||
| Average total assets | $565,635,500 | 1,590 |
| Average earning assets | $529,885,500 | 1,590 |
| Average equity | $45,719,000 | 1,861 |
| Average total loans | $415,871,500 | 1,327 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 832 |
| Cost of funding earning assets | 0.2932% | 2,467 |
| Net interest margin | 4.0232% | 674 |
| Noninterest income to average assets | 0.6473% | 1,951 |
| Noninterest expense to average assets | 2.4794% | 2,244 |
| Loan and lease loss provision to assets | 0.0477% | 2,111 |
| Net operating income to assets | 1.4061% | 1,261 |
| Return on assets (ROA) | 1.4061% | 1,319 |
| Pretax return on assets | 1.8553% | 805 |
| Return on Equity (ROE) | 16.0607% | 754 |
| Retained earnings to average equity (ytd only) | 7.9815% | 1,550 |
| Net charge-offs to loans | -0.0360% | 4,189 |
| Credit loss provision to net charge-offs | -175.1825% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5761% | 3,634 |
| Assets per employee ($millions) | 6.0691% | 2,695 |
| Cash dividends to net income (ytd only)* | 50.3038% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,686 |
| Loan loss allowance to noncurrent loans | 2,554.0404% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,749 |
| Noncurrent loans to loans | 0.0485% | 3,735 |
| Net loans and leases to total assets | 77.2785% | 428 |
| Net loans and leases to deposits | 85.5169% | 824 |
| Net loans and leases to core deposits | 88.0188% | 1,076 |
| Total domestic deposits to total assets | 90.3663% | 776 |
| Equity capital to assets | 8.6809% | 3,906 |
| Core capital (leverage) ratio | 8.6820% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0383% | 2,617 |
| Memoranda: | ||
| Average total assets | $503,313,800 | 1,690 |
| Average earning assets | $467,263,600 | 1,695 |
| Average equity | $44,064,200 | 1,947 |
| Average total loans | $380,376,400 | 1,427 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 1,025 |
| Cost of funding earning assets | 0.3269% | 2,332 |
| Net interest margin | 3.9280% | 890 |
| Noninterest income to average assets | 0.6414% | 2,048 |
| Noninterest expense to average assets | 2.2521% | 2,884 |
| Loan and lease loss provision to assets | 0.0642% | 1,717 |
| Net operating income to assets | 1.4647% | 1,346 |
| Return on assets (ROA) | 1.4647% | 1,404 |
| Pretax return on assets | 1.9679% | 842 |
| Return on Equity (ROE) | 16.6933% | 819 |
| Retained earnings to average equity (ytd only) | 11.6652% | 907 |
| Net charge-offs to loans | -0.0018% | 3,198 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5682% | 3,974 |
| Assets per employee ($millions) | 5.7645% | 2,927 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,855 |
| Loan loss allowance to noncurrent loans | 2,259.6330% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,872 |
| Noncurrent loans to loans | 0.0543% | 3,836 |
| Net loans and leases to total assets | 77.2741% | 450 |
| Net loans and leases to deposits | 85.5118% | 859 |
| Net loans and leases to core deposits | 88.2439% | 1,138 |
| Total domestic deposits to total assets | 90.3667% | 611 |
| Equity capital to assets | 8.8962% | 3,925 |
| Core capital (leverage) ratio | 8.8419% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4525% | 2,566 |
| Memoranda: | ||
| Average total assets | $498,657,000 | 1,714 |
| Average earning assets | $462,445,750 | 1,723 |
| Average equity | $43,753,000 | 1,980 |
| Average total loans | $373,369,250 | 1,475 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 1,074 |
| Cost of funding earning assets | 0.3559% | 2,266 |
| Net interest margin | 3.9026% | 965 |
| Noninterest income to average assets | 0.6706% | 1,927 |
| Noninterest expense to average assets | 2.2529% | 2,911 |
| Loan and lease loss provision to assets | 0.0729% | 1,614 |
| Net operating income to assets | 1.4591% | 1,400 |
| Return on assets (ROA) | 1.4591% | 1,463 |
| Pretax return on assets | 1.9597% | 901 |
| Return on Equity (ROE) | 16.7101% | 823 |
| Retained earnings to average equity (ytd only) | 12.5360% | 807 |
| Net charge-offs to loans | 0.0005% | 2,229 |
| Credit loss provision to net charge-offs | 18,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 5,019.0000% | 13 |
| Efficiency ratio | 52.5704% | 3,980 |
| Assets per employee ($millions) | 5.9245% | 2,692 |
| Cash dividends to net income (ytd only)* | 24.9792% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,514 |
| Loan loss allowance to noncurrent loans | 1,442.1365% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,780 |
| Noncurrent loans to loans | 0.0891% | 3,736 |
| Net loans and leases to total assets | 72.4589% | 911 |
| Net loans and leases to deposits | 79.9430% | 1,429 |
| Net loans and leases to core deposits | 82.5727% | 1,674 |
| Total domestic deposits to total assets | 90.6382% | 503 |
| Equity capital to assets | 8.6366% | 4,097 |
| Core capital (leverage) ratio | 8.6637% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7895% | 2,438 |
| Memoranda: | ||
| Average total assets | $493,862,333 | 1,727 |
| Average earning assets | $457,436,667 | 1,733 |
| Average equity | $43,123,667 | 1,987 |
| Average total loans | $364,034,333 | 1,509 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 1,242 |
| Cost of funding earning assets | 0.3892% | 2,180 |
| Net interest margin | 3.7876% | 1,166 |
| Noninterest income to average assets | 0.5780% | 2,299 |
| Noninterest expense to average assets | 2.1785% | 3,173 |
| Loan and lease loss provision to assets | 0.0745% | 1,697 |
| Net operating income to assets | 1.3646% | 1,650 |
| Return on assets (ROA) | 1.3646% | 1,733 |
| Pretax return on assets | 1.8299% | 1,234 |
| Return on Equity (ROE) | 15.5371% | 1,103 |
| Retained earnings to average equity (ytd only) | 11.2946% | 1,320 |
| Net charge-offs to loans | 0.0056% | 1,703 |
| Credit loss provision to net charge-offs | 1,800.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 205 |
| Efficiency ratio | 53.3563% | 3,869 |
| Assets per employee ($millions) | 5.8522% | 2,747 |
| Cash dividends to net income (ytd only)* | 27.3058% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,326 |
| Loan loss allowance to noncurrent loans | 2,166.3636% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,057 |
| Noncurrent loans to loans | 0.0611% | 3,980 |
| Net loans and leases to total assets | 71.4140% | 1,103 |
| Net loans and leases to deposits | 78.8028% | 1,635 |
| Net loans and leases to core deposits | 81.3718% | 1,887 |
| Total domestic deposits to total assets | 90.6237% | 534 |
| Equity capital to assets | 8.6467% | 4,002 |
| Core capital (leverage) ratio | 8.9310% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0264% | 2,286 |
| Memoranda: | ||
| Average total assets | $483,077,000 | 1,742 |
| Average earning assets | $447,041,500 | 1,753 |
| Average equity | $42,427,500 | 2,007 |
| Average total loans | $356,883,000 | 1,538 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 942 |
| Cost of funding earning assets | 0.6862% | 1,796 |
| Net interest margin | 3.9870% | 995 |
| Noninterest income to average assets | 0.8310% | 1,449 |
| Noninterest expense to average assets | 2.6308% | 2,450 |
| Loan and lease loss provision to assets | 0.0389% | 3,919 |
| Net operating income to assets | 1.4486% | 921 |
| Return on assets (ROA) | 1.4486% | 999 |
| Pretax return on assets | 1.8460% | 618 |
| Return on Equity (ROE) | 15.9517% | 510 |
| Retained earnings to average equity (ytd only) | 7.3288% | 1,269 |
| Net charge-offs to loans | 0.0187% | 2,704 |
| Credit loss provision to net charge-offs | 265.1515% | 1,869 |
| Earnings coverage of net charge-offs (x) | 128.5606% | 661 |
| Efficiency ratio | 58.2595% | 3,688 |
| Assets per employee ($millions) | 5.2080% | 3,141 |
| Cash dividends to net income (ytd only)* | 54.0561% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,297 |
| Loan loss allowance to noncurrent loans | 1,759.7744% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,054 |
| Noncurrent loans to loans | 0.0752% | 3,991 |
| Net loans and leases to total assets | 74.4755% | 960 |
| Net loans and leases to deposits | 82.6763% | 1,584 |
| Net loans and leases to core deposits | 86.1169% | 1,861 |
| Total domestic deposits to total assets | 90.0808% | 535 |
| Equity capital to assets | 8.9271% | 4,117 |
| Core capital (leverage) ratio | 8.7820% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0319% | 2,225 |
| Memoranda: | ||
| Average total assets | $450,166,200 | 1,701 |
| Average earning assets | $416,031,000 | 1,714 |
| Average equity | $40,879,600 | 1,994 |
| Average total loans | $353,506,200 | 1,497 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,028 |
| Cost of funding earning assets | 0.7495% | 1,750 |
| Net interest margin | 3.9657% | 1,194 |
| Noninterest income to average assets | 0.8343% | 1,384 |
| Noninterest expense to average assets | 2.3651% | 3,237 |
| Loan and lease loss provision to assets | 0.0523% | 3,701 |
| Net operating income to assets | 1.5804% | 765 |
| Return on assets (ROA) | 1.5804% | 836 |
| Pretax return on assets | 2.0841% | 431 |
| Return on Equity (ROE) | 17.3262% | 415 |
| Retained earnings to average equity (ytd only) | 11.4207% | 504 |
| Net charge-offs to loans | 0.0087% | 2,801 |
| Credit loss provision to net charge-offs | 760.8696% | 1,014 |
| Earnings coverage of net charge-offs (x) | 310.3913% | 347 |
| Efficiency ratio | 52.5396% | 4,293 |
| Assets per employee ($millions) | 5.2705% | 2,926 |
| Cash dividends to net income (ytd only)* | 34.0845% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 1,944 |
| Loan loss allowance to noncurrent loans | 1,782.6415% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,155 |
| Noncurrent loans to loans | 0.0759% | 4,069 |
| Net loans and leases to total assets | 73.4528% | 1,437 |
| Net loans and leases to deposits | 81.3870% | 2,158 |
| Net loans and leases to core deposits | 85.1739% | 2,368 |
| Total domestic deposits to total assets | 90.2512% | 345 |
| Equity capital to assets | 9.0212% | 4,105 |
| Core capital (leverage) ratio | 8.9691% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2524% | 2,081 |
| Memoranda: | ||
| Average total assets | $445,528,250 | 1,691 |
| Average earning assets | $411,994,250 | 1,700 |
| Average equity | $40,638,750 | 1,986 |
| Average total loans | $353,442,500 | 1,492 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 1,087 |
| Cost of funding earning assets | 0.8408% | 1,629 |
| Net interest margin | 3.9947% | 1,335 |
| Noninterest income to average assets | 0.8148% | 1,394 |
| Noninterest expense to average assets | 2.3186% | 3,472 |
| Loan and lease loss provision to assets | 0.0685% | 3,433 |
| Net operating income to assets | 1.6258% | 720 |
| Return on assets (ROA) | 1.6258% | 792 |
| Pretax return on assets | 2.1248% | 418 |
| Return on Equity (ROE) | 17.7546% | 389 |
| Retained earnings to average equity (ytd only) | 11.7666% | 486 |
| Net charge-offs to loans | -0.0090% | 4,177 |
| Credit loss provision to net charge-offs | -937.5000% | 3,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3875% | 4,404 |
| Assets per employee ($millions) | 5.5466% | 2,595 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,662 |
| Loan loss allowance to noncurrent loans | 1,504.1270% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,195 |
| Noncurrent loans to loans | 0.0916% | 4,096 |
| Net loans and leases to total assets | 71.9223% | 1,725 |
| Net loans and leases to deposits | 79.4805% | 2,491 |
| Net loans and leases to core deposits | 84.8324% | 2,538 |
| Total domestic deposits to total assets | 90.4905% | 272 |
| Equity capital to assets | 8.7373% | 4,328 |
| Core capital (leverage) ratio | 9.1529% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1936% | 2,105 |
| Memoranda: | ||
| Average total assets | $437,679,667 | 1,695 |
| Average earning assets | $405,083,000 | 1,695 |
| Average equity | $40,079,667 | 1,996 |
| Average total loans | $354,832,667 | 1,477 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 680 |
| Cost of funding earning assets | 0.9834% | 1,495 |
| Net interest margin | 4.2003% | 923 |
| Noninterest income to average assets | 0.8223% | 1,248 |
| Noninterest expense to average assets | 2.2073% | 3,989 |
| Loan and lease loss provision to assets | 0.0713% | 2,846 |
| Net operating income to assets | 1.9050% | 337 |
| Return on assets (ROA) | 1.9050% | 366 |
| Pretax return on assets | 2.4373% | 185 |
| Return on Equity (ROE) | 20.2819% | 158 |
| Retained earnings to average equity (ytd only) | 17.2457% | 102 |
| Net charge-offs to loans | 0.0189% | 1,990 |
| Credit loss provision to net charge-offs | 441.1765% | 947 |
| Earnings coverage of net charge-offs (x) | 155.2353% | 418 |
| Efficiency ratio | 46.8051% | 4,801 |
| Assets per employee ($millions) | 4.8488% | 2,817 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,229 |
| Loan loss allowance to noncurrent loans | 767.8275% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 3,931 |
| Noncurrent loans to loans | 0.1670% | 3,867 |
| Net loans and leases to total assets | 84.4892% | 235 |
| Net loans and leases to deposits | 94.1224% | 1,066 |
| Net loans and leases to core deposits | 101.3317% | 1,373 |
| Total domestic deposits to total assets | 89.7652% | 395 |
| Equity capital to assets | 9.5592% | 4,167 |
| Core capital (leverage) ratio | 9.5781% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7236% | 2,378 |
| Memoranda: | ||
| Average total assets | $420,788,000 | 1,709 |
| Average earning assets | $390,066,500 | 1,705 |
| Average equity | $39,523,000 | 2,001 |
| Average total loans | $360,336,500 | 1,423 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 1,089 |
| Cost of funding earning assets | 1.0114% | 1,677 |
| Net interest margin | 4.1474% | 1,435 |
| Noninterest income to average assets | 0.9089% | 1,160 |
| Noninterest expense to average assets | 2.9030% | 2,282 |
| Loan and lease loss provision to assets | 0.0860% | 2,288 |
| Net operating income to assets | 1.3541% | 1,492 |
| Return on assets (ROA) | 1.3541% | 1,573 |
| Pretax return on assets | 1.7839% | 979 |
| Return on Equity (ROE) | 13.9724% | 899 |
| Retained earnings to average equity (ytd only) | -4.9565% | 4,979 |
| Net charge-offs to loans | -0.0014% | 4,196 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8233% | 3,563 |
| Assets per employee ($millions) | 4.7696% | 2,870 |
| Cash dividends to net income (ytd only)* | 135.4733% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,062 |
| Loan loss allowance to noncurrent loans | 1,725.2830% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 4,308 |
| Noncurrent loans to loans | 0.0737% | 4,234 |
| Net loans and leases to total assets | 84.5917% | 268 |
| Net loans and leases to deposits | 94.1591% | 1,139 |
| Net loans and leases to core deposits | 103.7654% | 1,247 |
| Total domestic deposits to total assets | 89.8392% | 374 |
| Equity capital to assets | 9.2252% | 4,549 |
| Core capital (leverage) ratio | 9.3283% | 4,250 |
| Tier 1 risk-based capital ratio | 11.9594% | 4,385 |
| Total risk-based capital ratio | 13.2115% | 4,261 |
| Memoranda: | ||
| Average total assets | $407,200,400 | 1,719 |
| Average earning assets | $379,374,600 | 1,713 |
| Average equity | $39,463,400 | 1,959 |
| Average total loans | $347,142,800 | 1,432 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 1,141 |
| Cost of funding earning assets | 1.0073% | 1,729 |
| Net interest margin | 4.1476% | 1,508 |
| Noninterest income to average assets | 0.8441% | 1,295 |
| Noninterest expense to average assets | 2.6609% | 2,978 |
| Loan and lease loss provision to assets | 0.0865% | 2,186 |
| Net operating income to assets | 1.4598% | 1,305 |
| Return on assets (ROA) | 1.4598% | 1,353 |
| Pretax return on assets | 1.9580% | 753 |
| Return on Equity (ROE) | 14.8768% | 801 |
| Retained earnings to average equity (ytd only) | -2.8449% | 4,984 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5498% | 4,111 |
| Assets per employee ($millions) | 4.5810% | 3,080 |
| Cash dividends to net income (ytd only)* | 119.1229% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,181 |
| Loan loss allowance to noncurrent loans | 1,268.8385% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,287 |
| Noncurrent loans to loans | 0.0992% | 4,202 |
| Net loans and leases to total assets | 85.2437% | 237 |
| Net loans and leases to deposits | 95.0958% | 1,112 |
| Net loans and leases to core deposits | 104.5739% | 1,293 |
| Total domestic deposits to total assets | 89.6399% | 397 |
| Equity capital to assets | 9.6572% | 4,331 |
| Core capital (leverage) ratio | 9.8490% | 3,787 |
| Tier 1 risk-based capital ratio | 12.4441% | 4,180 |
| Total risk-based capital ratio | 13.6959% | 4,061 |
| Memoranda: | ||
| Average total assets | $404,068,250 | 1,739 |
| Average earning assets | $376,172,500 | 1,734 |
| Average equity | $39,649,000 | 1,957 |
| Average total loans | $344,021,500 | 1,457 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 1,221 |
| Cost of funding earning assets | 0.9954% | 1,719 |
| Net interest margin | 4.1043% | 1,597 |
| Noninterest income to average assets | 0.8557% | 1,192 |
| Noninterest expense to average assets | 2.6348% | 3,102 |
| Loan and lease loss provision to assets | 0.0872% | 2,102 |
| Net operating income to assets | 1.4517% | 1,289 |
| Return on assets (ROA) | 1.4517% | 1,341 |
| Pretax return on assets | 1.9475% | 757 |
| Return on Equity (ROE) | 14.7146% | 822 |
| Retained earnings to average equity (ytd only) | 11.6838% | 446 |
| Net charge-offs to loans | -0.0012% | 3,907 |
| Credit loss provision to net charge-offs | -8,750.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4248% | 4,198 |
| Assets per employee ($millions) | 4.5565% | 3,050 |
| Cash dividends to net income (ytd only)* | 20.5973% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,263 |
| Loan loss allowance to noncurrent loans | 644.2815% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 3,909 |
| Noncurrent loans to loans | 0.1938% | 3,857 |
| Net loans and leases to total assets | 84.7540% | 306 |
| Net loans and leases to deposits | 95.8419% | 1,056 |
| Net loans and leases to core deposits | 106.5565% | 1,211 |
| Total domestic deposits to total assets | 88.4310% | 906 |
| Equity capital to assets | 9.9596% | 4,005 |
| Core capital (leverage) ratio | 10.1859% | 3,397 |
| Tier 1 risk-based capital ratio | 12.8686% | 3,905 |
| Total risk-based capital ratio | 14.1204% | 3,811 |
| Memoranda: | ||
| Average total assets | $401,326,670 | 1,754 |
| Average earning assets | $372,929,670 | 1,752 |
| Average equity | $39,593,330 | 1,955 |
| Average total loans | $340,051,000 | 1,476 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,361 |
| Cost of funding earning assets | 0.9681% | 1,705 |
| Net interest margin | 4.0202% | 1,792 |
| Noninterest income to average assets | 0.9492% | 919 |
| Noninterest expense to average assets | 2.6381% | 3,092 |
| Loan and lease loss provision to assets | 0.0877% | 1,961 |
| Net operating income to assets | 1.4581% | 1,207 |
| Return on assets (ROA) | 1.4581% | 1,237 |
| Pretax return on assets | 1.9519% | 698 |
| Return on Equity (ROE) | 14.8530% | 780 |
| Retained earnings to average equity (ytd only) | 11.7736% | 662 |
| Net charge-offs to loans | 0.0263% | 1,927 |
| Credit loss provision to net charge-offs | 395.4545% | 704 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 705 |
| Efficiency ratio | 56.3981% | 4,279 |
| Assets per employee ($millions) | 4.5919% | 3,058 |
| Cash dividends to net income (ytd only)* | 20.7326% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,247 |
| Loan loss allowance to noncurrent loans | 1,223.4286% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,355 |
| Noncurrent loans to loans | 0.1034% | 4,272 |
| Net loans and leases to total assets | 82.6706% | 508 |
| Net loans and leases to deposits | 92.4611% | 1,347 |
| Net loans and leases to core deposits | 102.8535% | 1,392 |
| Total domestic deposits to total assets | 89.4112% | 687 |
| Equity capital to assets | 9.7944% | 4,013 |
| Core capital (leverage) ratio | 10.1208% | 3,463 |
| Tier 1 risk-based capital ratio | 12.8554% | 3,953 |
| Total risk-based capital ratio | 14.1070% | 3,849 |
| Memoranda: | ||
| Average total assets | $396,946,000 | 1,778 |
| Average earning assets | $368,141,500 | 1,777 |
| Average equity | $38,968,500 | 1,971 |
| Average total loans | $334,096,500 | 1,503 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 1,177 |
| Cost of funding earning assets | 0.7078% | 2,043 |
| Net interest margin | 4.2349% | 1,312 |
| Noninterest income to average assets | 0.7617% | 1,598 |
| Noninterest expense to average assets | 2.8099% | 2,657 |
| Loan and lease loss provision to assets | 0.0843% | 2,445 |
| Net operating income to assets | 1.3674% | 1,541 |
| Return on assets (ROA) | 1.3674% | 1,531 |
| Pretax return on assets | 1.7939% | 941 |
| Return on Equity (ROE) | 13.9393% | 1,060 |
| Retained earnings to average equity (ytd only) | 12.2860% | 299 |
| Net charge-offs to loans | 0.0130% | 3,253 |
| Credit loss provision to net charge-offs | 760.9756% | 469 |
| Earnings coverage of net charge-offs (x) | 169.4878% | 511 |
| Efficiency ratio | 59.9366% | 3,870 |
| Assets per employee ($millions) | 4.3312% | 3,410 |
| Cash dividends to net income (ytd only)* | 11.8601% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,152 |
| Loan loss allowance to noncurrent loans | 1,387.1711% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,250 |
| Noncurrent loans to loans | 0.0922% | 4,336 |
| Net loans and leases to total assets | 83.5374% | 452 |
| Net loans and leases to deposits | 93.4690% | 1,338 |
| Net loans and leases to core deposits | 105.4129% | 1,311 |
| Total domestic deposits to total assets | 89.3744% | 708 |
| Equity capital to assets | 9.8406% | 3,825 |
| Core capital (leverage) ratio | 9.8804% | 3,712 |
| Tier 1 risk-based capital ratio | 12.7943% | 3,971 |
| Total risk-based capital ratio | 14.0461% | 3,846 |
| Memoranda: | ||
| Average total assets | $369,980,800 | 1,830 |
| Average earning assets | $343,032,800 | 1,838 |
| Average equity | $36,293,200 | 2,018 |
| Average total loans | $316,548,200 | 1,530 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 1,230 |
| Cost of funding earning assets | 0.6487% | 2,157 |
| Net interest margin | 4.2242% | 1,299 |
| Noninterest income to average assets | 0.8200% | 1,413 |
| Noninterest expense to average assets | 2.6558% | 3,108 |
| Loan and lease loss provision to assets | 0.0855% | 2,260 |
| Net operating income to assets | 1.4917% | 1,214 |
| Return on assets (ROA) | 1.4917% | 1,211 |
| Pretax return on assets | 1.9984% | 624 |
| Return on Equity (ROE) | 15.2199% | 833 |
| Retained earnings to average equity (ytd only) | 14.1019% | 240 |
| Net charge-offs to loans | -0.0098% | 4,386 |
| Credit loss provision to net charge-offs | -1,017.3913% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0342% | 4,388 |
| Assets per employee ($millions) | 4.5164% | 3,097 |
| Cash dividends to net income (ytd only)* | 7.3457% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,110 |
| Loan loss allowance to noncurrent loans | 636.8182% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,888 |
| Noncurrent loans to loans | 0.2035% | 3,987 |
| Net loans and leases to total assets | 81.4670% | 801 |
| Net loans and leases to deposits | 90.8530% | 1,783 |
| Net loans and leases to core deposits | 102.2896% | 1,583 |
| Total domestic deposits to total assets | 89.6691% | 612 |
| Equity capital to assets | 9.5710% | 4,017 |
| Core capital (leverage) ratio | 9.9281% | 3,711 |
| Tier 1 risk-based capital ratio | 12.6464% | 4,125 |
| Total risk-based capital ratio | 13.8982% | 4,012 |
| Memoranda: | ||
| Average total assets | $365,024,750 | 1,861 |
| Average earning assets | $338,705,750 | 1,865 |
| Average equity | $35,776,750 | 2,052 |
| Average total loans | $313,222,750 | 1,543 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 1,224 |
| Cost of funding earning assets | 0.6101% | 2,161 |
| Net interest margin | 4.1988% | 1,292 |
| Noninterest income to average assets | 0.8180% | 1,418 |
| Noninterest expense to average assets | 2.6639% | 3,124 |
| Loan and lease loss provision to assets | 0.0877% | 2,163 |
| Net operating income to assets | 1.4663% | 1,237 |
| Return on assets (ROA) | 1.4663% | 1,239 |
| Pretax return on assets | 1.9628% | 658 |
| Return on Equity (ROE) | 14.8322% | 884 |
| Retained earnings to average equity (ytd only) | 14.8322% | 206 |
| Net charge-offs to loans | -0.0006% | 3,870 |
| Credit loss provision to net charge-offs | -15,600.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5057% | 4,416 |
| Assets per employee ($millions) | 4.1426% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,233 |
| Loan loss allowance to noncurrent loans | 452.8698% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,582 |
| Noncurrent loans to loans | 0.2840% | 3,685 |
| Net loans and leases to total assets | 86.3701% | 236 |
| Net loans and leases to deposits | 96.6282% | 1,082 |
| Net loans and leases to core deposits | 109.7967% | 1,015 |
| Total domestic deposits to total assets | 89.3839% | 777 |
| Equity capital to assets | 9.9961% | 3,622 |
| Core capital (leverage) ratio | 10.2895% | 3,247 |
| Tier 1 risk-based capital ratio | 12.6179% | 4,114 |
| Total risk-based capital ratio | 13.8698% | 4,017 |
| Memoranda: | ||
| Average total assets | $355,724,000 | 1,909 |
| Average earning assets | $330,098,000 | 1,908 |
| Average equity | $35,166,670 | 2,083 |
| Average total loans | $309,524,670 | 1,562 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 1,176 |
| Cost of funding earning assets | 0.6119% | 1,965 |
| Net interest margin | 4.1435% | 1,322 |
| Noninterest income to average assets | 0.7629% | 1,576 |
| Noninterest expense to average assets | 2.6085% | 3,315 |
| Loan and lease loss provision to assets | 0.0888% | 2,030 |
| Net operating income to assets | 1.4175% | 1,295 |
| Return on assets (ROA) | 1.4175% | 1,303 |
| Pretax return on assets | 1.9128% | 699 |
| Return on Equity (ROE) | 14.4225% | 924 |
| Retained earnings to average equity (ytd only) | 14.4225% | 373 |
| Net charge-offs to loans | -0.0079% | 4,163 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5819% | 4,509 |
| Assets per employee ($millions) | 4.1773% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,239 |
| Loan loss allowance to noncurrent loans | 255.5485% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 2,871 |
| Noncurrent loans to loans | 0.5092% | 2,991 |
| Net loans and leases to total assets | 86.0871% | 251 |
| Net loans and leases to deposits | 96.9233% | 944 |
| Net loans and leases to core deposits | 110.1449% | 1,001 |
| Total domestic deposits to total assets | 88.8198% | 1,195 |
| Equity capital to assets | 9.8777% | 3,720 |
| Core capital (leverage) ratio | 10.0487% | 3,473 |
| Tier 1 risk-based capital ratio | 12.3639% | 4,334 |
| Total risk-based capital ratio | 13.6159% | 4,221 |
| Memoranda: | ||
| Average total assets | $351,310,500 | 1,947 |
| Average earning assets | $326,199,500 | 1,939 |
| Average equity | $34,529,500 | 2,122 |
| Average total loans | $304,804,000 | 1,582 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,109 |
| Cost of funding earning assets | 0.5647% | 1,858 |
| Net interest margin | 4.1712% | 1,249 |
| Noninterest income to average assets | 0.9006% | 1,266 |
| Noninterest expense to average assets | 2.9106% | 2,418 |
| Loan and lease loss provision to assets | 0.1041% | 2,149 |
| Net operating income to assets | 1.0660% | 1,986 |
| Return on assets (ROA) | 1.0660% | 2,013 |
| Pretax return on assets | 1.7384% | 920 |
| Return on Equity (ROE) | 11.0880% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.0880% | 237 |
| Net charge-offs to loans | -0.0820% | 5,322 |
| Credit loss provision to net charge-offs | -151.5152% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2356% | 4,068 |
| Assets per employee ($millions) | 4.2384% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,139 |
| Loan loss allowance to noncurrent loans | 372.2642% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 3,436 |
| Noncurrent loans to loans | 0.3534% | 3,496 |
| Net loans and leases to total assets | 85.1566% | 330 |
| Net loans and leases to deposits | 95.7784% | 1,107 |
| Net loans and leases to core deposits | 109.3241% | 1,046 |
| Total domestic deposits to total assets | 88.9100% | 1,041 |
| Equity capital to assets | 9.7788% | 3,940 |
| Core capital (leverage) ratio | 9.5577% | 3,966 |
| Tier 1 risk-based capital ratio | 12.0133% | 4,517 |
| Total risk-based capital ratio | 13.2661% | 4,402 |
| Memoranda: | ||
| Average total assets | $336,115,800 | 1,976 |
| Average earning assets | $310,441,000 | 1,989 |
| Average equity | $32,314,200 | 2,205 |
| Average total loans | $281,596,400 | 1,648 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,064 |
| Cost of funding earning assets | 0.5557% | 1,849 |
| Net interest margin | 4.1781% | 1,210 |
| Noninterest income to average assets | 0.9242% | 1,203 |
| Noninterest expense to average assets | 2.8170% | 2,671 |
| Loan and lease loss provision to assets | 0.1048% | 2,015 |
| Net operating income to assets | 1.2006% | 1,687 |
| Return on assets (ROA) | 1.2006% | 1,722 |
| Pretax return on assets | 1.8588% | 767 |
| Return on Equity (ROE) | 12.5445% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.5445% | 258 |
| Net charge-offs to loans | -0.1025% | 5,390 |
| Credit loss provision to net charge-offs | -123.0047% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9254% | 4,371 |
| Assets per employee ($millions) | 4.1948% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,244 |
| Loan loss allowance to noncurrent loans | 329.8969% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,468 |
| Noncurrent loans to loans | 0.4016% | 3,504 |
| Net loans and leases to total assets | 82.1534% | 660 |
| Net loans and leases to deposits | 92.1121% | 1,554 |
| Net loans and leases to core deposits | 104.8343% | 1,342 |
| Total domestic deposits to total assets | 89.1886% | 784 |
| Equity capital to assets | 9.6071% | 4,337 |
| Core capital (leverage) ratio | 9.4858% | 4,186 |
| Tier 1 risk-based capital ratio | 12.0161% | 4,603 |
| Total risk-based capital ratio | 13.2693% | 4,494 |
| Memoranda: | ||
| Average total assets | $333,257,750 | 2,001 |
| Average earning assets | $307,593,750 | 2,015 |
| Average equity | $31,896,250 | 2,244 |
| Average total loans | $277,019,000 | 1,679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 878 |
| Cost of funding earning assets | 0.5463% | 1,801 |
| Net interest margin | 4.2434% | 987 |
| Noninterest income to average assets | 0.9388% | 1,156 |
| Noninterest expense to average assets | 2.8658% | 2,525 |
| Loan and lease loss provision to assets | 0.1066% | 1,905 |
| Net operating income to assets | 1.1788% | 1,673 |
| Return on assets (ROA) | 1.1788% | 1,705 |
| Pretax return on assets | 1.8752% | 696 |
| Return on Equity (ROE) | 12.3332% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.3332% | 290 |
| Net charge-offs to loans | -0.0110% | 4,573 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1178% | 4,454 |
| Assets per employee ($millions) | 4.1169% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,679 |
| Loan loss allowance to noncurrent loans | 329.7774% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 3,448 |
| Noncurrent loans to loans | 0.3795% | 3,662 |
| Net loans and leases to total assets | 82.1005% | 654 |
| Net loans and leases to deposits | 91.8632% | 1,512 |
| Net loans and leases to core deposits | 104.7498% | 1,310 |
| Total domestic deposits to total assets | 89.3726% | 777 |
| Equity capital to assets | 9.4761% | 4,423 |
| Core capital (leverage) ratio | 9.2592% | 4,417 |
| Tier 1 risk-based capital ratio | 11.7613% | 4,792 |
| Total risk-based capital ratio | 13.0133% | 4,682 |
| Memoranda: | ||
| Average total assets | $328,287,670 | 2,030 |
| Average earning assets | $302,401,000 | 2,040 |
| Average equity | $31,378,670 | 2,265 |
| Average total loans | $272,734,670 | 1,700 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 804 |
| Cost of funding earning assets | 0.5055% | 2,040 |
| Net interest margin | 4.2630% | 862 |
| Noninterest income to average assets | 0.9503% | 1,104 |
| Noninterest expense to average assets | 2.8509% | 2,611 |
| Loan and lease loss provision to assets | 0.1082% | 1,764 |
| Net operating income to assets | 1.1854% | 1,539 |
| Return on assets (ROA) | 1.1854% | 1,581 |
| Pretax return on assets | 1.9143% | 603 |
| Return on Equity (ROE) | 12.3454% | 1,150 |
| Retained earnings to average equity (ytd only) | 12.3454% | 440 |
| Net charge-offs to loans | -0.0359% | 5,024 |
| Credit loss provision to net charge-offs | -362.5000% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4992% | 4,659 |
| Assets per employee ($millions) | 3.9763% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,684 |
| Loan loss allowance to noncurrent loans | 307.3386% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 3,461 |
| Noncurrent loans to loans | 0.4134% | 3,608 |
| Net loans and leases to total assets | 78.9909% | 986 |
| Net loans and leases to deposits | 88.0627% | 1,789 |
| Net loans and leases to core deposits | 100.2557% | 1,488 |
| Total domestic deposits to total assets | 89.6986% | 792 |
| Equity capital to assets | 9.1721% | 4,643 |
| Core capital (leverage) ratio | 9.2622% | 4,396 |
| Tier 1 risk-based capital ratio | 11.4992% | 5,031 |
| Total risk-based capital ratio | 12.7516% | 4,930 |
| Memoranda: | ||
| Average total assets | $321,580,000 | 2,090 |
| Average earning assets | $295,942,000 | 2,097 |
| Average equity | $30,878,000 | 2,304 |
| Average total loans | $267,054,500 | 1,745 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,314 |
| Cost of funding earning assets | 0.3969% | 3,028 |
| Net interest margin | 4.1890% | 1,152 |
| Noninterest income to average assets | 0.9146% | 1,361 |
| Noninterest expense to average assets | 3.7964% | 777 |
| Loan and lease loss provision to assets | 0.0866% | 2,635 |
| Net operating income to assets | 0.5074% | 4,604 |
| Return on assets (ROA) | 0.5074% | 4,678 |
| Pretax return on assets | 0.8295% | 4,093 |
| Return on Equity (ROE) | 4.9079% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.9079% | 2,399 |
| Net charge-offs to loans | 0.1194% | 2,059 |
| Credit loss provision to net charge-offs | 89.6057% | 2,804 |
| Earnings coverage of net charge-offs (x) | 9.4803% | 2,750 |
| Efficiency ratio | 80.5615% | 1,352 |
| Assets per employee ($millions) | 3.3842% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,595 |
| Loan loss allowance to noncurrent loans | 295.9543% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 3,472 |
| Noncurrent loans to loans | 0.4364% | 3,580 |
| Net loans and leases to total assets | 85.3754% | 271 |
| Net loans and leases to deposits | 97.3795% | 876 |
| Net loans and leases to core deposits | 100.5738% | 1,572 |
| Total domestic deposits to total assets | 87.6729% | 1,802 |
| Equity capital to assets | 10.0900% | 3,620 |
| Core capital (leverage) ratio | 9.5709% | 4,005 |
| Tier 1 risk-based capital ratio | 11.7049% | 4,921 |
| Total risk-based capital ratio | 12.9607% | 4,821 |
| Memoranda: | ||
| Average total assets | $288,745,200 | 2,230 |
| Average earning assets | $261,781,600 | 2,271 |
| Average equity | $29,849,600 | 2,361 |
| Average total loans | $233,602,000 | 1,880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 1,450 |
| Cost of funding earning assets | 0.3904% | 3,122 |
| Net interest margin | 4.1396% | 1,278 |
| Noninterest income to average assets | 0.9247% | 1,331 |
| Noninterest expense to average assets | 3.6629% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6260% | 4,179 |
| Return on assets (ROA) | 0.6260% | 4,302 |
| Pretax return on assets | 1.0083% | 3,601 |
| Return on Equity (ROE) | 6.0172% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.0172% | 2,177 |
| Net charge-offs to loans | 0.1246% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 10.1887% | 2,604 |
| Efficiency ratio | 78.4151% | 1,632 |
| Assets per employee ($millions) | 3.3041% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,484 |
| Loan loss allowance to noncurrent loans | 281.8423% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,815 |
| Noncurrent loans to loans | 0.4755% | 3,591 |
| Net loans and leases to total assets | 78.7663% | 1,071 |
| Net loans and leases to deposits | 89.0835% | 1,879 |
| Net loans and leases to core deposits | 91.6873% | 2,423 |
| Total domestic deposits to total assets | 88.4185% | 1,181 |
| Equity capital to assets | 10.2387% | 3,869 |
| Core capital (leverage) ratio | 9.6075% | 4,045 |
| Tier 1 risk-based capital ratio | 12.7078% | 4,335 |
| Total risk-based capital ratio | 13.9653% | 4,245 |
| Memoranda: | ||
| Average total assets | $285,632,000 | 2,252 |
| Average earning assets | $258,506,250 | 2,297 |
| Average equity | $29,714,250 | 2,383 |
| Average total loans | $226,874,000 | 1,928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,468 |
| Cost of funding earning assets | 0.3802% | 3,248 |
| Net interest margin | 4.1381% | 1,267 |
| Noninterest income to average assets | 0.9137% | 1,332 |
| Noninterest expense to average assets | 3.6845% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6020% | 4,254 |
| Return on assets (ROA) | 0.6020% | 4,384 |
| Pretax return on assets | 0.9691% | 3,707 |
| Return on Equity (ROE) | 5.7550% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.7550% | 2,262 |
| Net charge-offs to loans | 0.1155% | 1,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.5814% | 2,323 |
| Efficiency ratio | 79.1762% | 1,612 |
| Assets per employee ($millions) | 3.0676% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 2,196 |
| Loan loss allowance to noncurrent loans | 248.1003% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 3,704 |
| Noncurrent loans to loans | 0.5736% | 3,348 |
| Net loans and leases to total assets | 77.6064% | 1,249 |
| Net loans and leases to deposits | 87.5706% | 2,055 |
| Net loans and leases to core deposits | 89.9498% | 2,537 |
| Total domestic deposits to total assets | 88.6215% | 1,105 |
| Equity capital to assets | 10.2787% | 3,887 |
| Core capital (leverage) ratio | 9.6592% | 3,987 |
| Tier 1 risk-based capital ratio | 13.0772% | 4,160 |
| Total risk-based capital ratio | 14.3372% | 4,069 |
| Memoranda: | ||
| Average total assets | $281,718,670 | 2,292 |
| Average earning assets | $254,611,330 | 2,349 |
| Average equity | $29,470,000 | 2,401 |
| Average total loans | $223,361,670 | 1,963 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,506 |
| Cost of funding earning assets | 0.3593% | 3,507 |
| Net interest margin | 4.1402% | 1,234 |
| Noninterest income to average assets | 0.8726% | 1,376 |
| Noninterest expense to average assets | 3.7144% | 880 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5620% | 4,358 |
| Return on assets (ROA) | 0.5620% | 4,462 |
| Pretax return on assets | 0.9044% | 3,830 |
| Return on Equity (ROE) | 5.3237% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.3237% | 2,756 |
| Net charge-offs to loans | -0.0472% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4191% | 1,558 |
| Assets per employee ($millions) | 2.8172% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,885 |
| Loan loss allowance to noncurrent loans | 232.3370% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 3,496 |
| Noncurrent loans to loans | 0.6564% | 3,202 |
| Net loans and leases to total assets | 78.3816% | 1,049 |
| Net loans and leases to deposits | 88.6225% | 1,748 |
| Net loans and leases to core deposits | 91.0233% | 2,276 |
| Total domestic deposits to total assets | 88.4443% | 1,379 |
| Equity capital to assets | 10.4592% | 3,550 |
| Core capital (leverage) ratio | 9.7624% | 3,830 |
| Tier 1 risk-based capital ratio | 13.0323% | 4,247 |
| Total risk-based capital ratio | 14.2940% | 4,154 |
| Memoranda: | ||
| Average total assets | $276,869,000 | 2,331 |
| Average earning assets | $250,521,000 | 2,379 |
| Average equity | $29,228,000 | 2,423 |
| Average total loans | $220,330,500 | 1,982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,930 |
| Cost of funding earning assets | 0.2902% | 4,368 |
| Net interest margin | 4.1010% | 1,411 |
| Noninterest income to average assets | 0.5762% | 2,852 |
| Noninterest expense to average assets | 4.4201% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0585% | 5,905 |
| Return on assets (ROA) | -0.0585% | 5,928 |
| Pretax return on assets | -0.1799% | 5,958 |
| Return on Equity (ROE) | -0.5199% | 5,921 |
| Retained earnings to average equity (ytd only) | -0.5199% | 5,598 |
| Net charge-offs to loans | -0.2194% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2424% | 209 |
| Assets per employee ($millions) | 2.6409% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,729 |
| Loan loss allowance to noncurrent loans | 223.5837% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 3,347 |
| Noncurrent loans to loans | 0.7014% | 3,093 |
| Net loans and leases to total assets | 78.3148% | 1,080 |
| Net loans and leases to deposits | 88.7118% | 1,784 |
| Net loans and leases to core deposits | 90.6244% | 2,352 |
| Total domestic deposits to total assets | 88.2801% | 1,486 |
| Equity capital to assets | 10.6575% | 3,182 |
| Core capital (leverage) ratio | 9.8028% | 3,765 |
| Tier 1 risk-based capital ratio | 12.8202% | 4,440 |
| Total risk-based capital ratio | 14.0863% | 4,332 |
| Memoranda: | ||
| Average total assets | $259,610,600 | 2,426 |
| Average earning assets | $231,942,000 | 2,497 |
| Average equity | $29,233,800 | 2,372 |
| Average total loans | $180,956,200 | 2,232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,103 |
| Cost of funding earning assets | 0.2806% | 4,551 |
| Net interest margin | 4.0608% | 1,528 |
| Noninterest income to average assets | 0.4325% | 3,849 |
| Noninterest expense to average assets | 4.1053% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0218% | 5,954 |
| Return on assets (ROA) | -0.0218% | 5,984 |
| Pretax return on assets | -0.0551% | 5,996 |
| Return on Equity (ROE) | -0.1912% | 5,984 |
| Retained earnings to average equity (ytd only) | -0.1912% | 5,636 |
| Net charge-offs to loans | -0.3858% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3604% | 274 |
| Assets per employee ($millions) | 2.5253% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 1,380 |
| Loan loss allowance to noncurrent loans | 253.3333% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 2,774 |
| Noncurrent loans to loans | 0.6878% | 3,257 |
| Net loans and leases to total assets | 74.3490% | 1,668 |
| Net loans and leases to deposits | 84.5099% | 2,342 |
| Net loans and leases to core deposits | 86.1933% | 2,831 |
| Total domestic deposits to total assets | 87.9766% | 1,573 |
| Equity capital to assets | 11.0066% | 3,019 |
| Core capital (leverage) ratio | 10.1288% | 3,463 |
| Tier 1 risk-based capital ratio | 13.8174% | 3,958 |
| Total risk-based capital ratio | 15.0852% | 3,891 |
| Memoranda: | ||
| Average total assets | $256,509,500 | 2,468 |
| Average earning assets | $228,518,750 | 2,543 |
| Average equity | $29,294,750 | 2,383 |
| Average total loans | $172,089,750 | 2,338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,316 |
| Cost of funding earning assets | 0.2846% | 4,562 |
| Net interest margin | 3.9777% | 1,709 |
| Noninterest income to average assets | 0.8028% | 1,767 |
| Noninterest expense to average assets | 4.0524% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1932% | 5,707 |
| Return on assets (ROA) | 0.1932% | 5,771 |
| Pretax return on assets | 0.2886% | 5,679 |
| Return on Equity (ROE) | 1.6706% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.6706% | 4,859 |
| Net charge-offs to loans | -0.7504% | 6,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3515% | 552 |
| Assets per employee ($millions) | 2.4772% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 995 |
| Loan loss allowance to noncurrent loans | 227.7146% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 2,042 |
| Noncurrent loans to loans | 0.8760% | 2,937 |
| Net loans and leases to total assets | 67.4877% | 2,719 |
| Net loans and leases to deposits | 76.8770% | 3,173 |
| Net loans and leases to core deposits | 78.4268% | 3,534 |
| Total domestic deposits to total assets | 87.7866% | 1,759 |
| Equity capital to assets | 11.2221% | 2,650 |
| Core capital (leverage) ratio | 10.4904% | 2,975 |
| Tier 1 risk-based capital ratio | 15.2127% | 3,242 |
| Total risk-based capital ratio | 16.4831% | 3,167 |
| Memoranda: | ||
| Average total assets | $253,626,330 | 2,514 |
| Average earning assets | $225,609,330 | 2,579 |
| Average equity | $29,331,330 | 2,395 |
| Average total loans | $162,573,330 | 2,457 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,709 |
| Cost of funding earning assets | 0.2835% | 4,628 |
| Net interest margin | 3.5937% | 3,031 |
| Noninterest income to average assets | 0.8782% | 1,461 |
| Noninterest expense to average assets | 3.9286% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1076% | 5,858 |
| Return on assets (ROA) | 0.1076% | 5,917 |
| Pretax return on assets | 0.1445% | 5,904 |
| Return on Equity (ROE) | 0.9158% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.9158% | 5,098 |
| Net charge-offs to loans | 0.1017% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.3077% | 2,783 |
| Efficiency ratio | 96.4525% | 488 |
| Assets per employee ($millions) | 2.4390% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 1,386 |
| Loan loss allowance to noncurrent loans | 52.5027% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.8567% | 686 |
| Noncurrent loans to loans | 3.5336% | 542 |
| Net loans and leases to total assets | 61.6915% | 3,419 |
| Net loans and leases to deposits | 70.5457% | 3,690 |
| Net loans and leases to core deposits | 71.8129% | 3,987 |
| Total domestic deposits to total assets | 87.4489% | 2,142 |
| Equity capital to assets | 11.5572% | 2,411 |
| Core capital (leverage) ratio | 10.7561% | 2,682 |
| Tier 1 risk-based capital ratio | 15.8355% | 3,000 |
| Total risk-based capital ratio | 17.0916% | 2,933 |
| Memoranda: | ||
| Average total assets | $249,149,000 | 2,567 |
| Average earning assets | $221,501,000 | 2,629 |
| Average equity | $29,263,500 | 2,415 |
| Average total loans | $153,451,500 | 2,573 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,809 |
| Cost of funding earning assets | 0.3144% | 4,636 |
| Net interest margin | 3.9285% | 2,123 |
| Noninterest income to average assets | 0.9497% | 1,344 |
| Noninterest expense to average assets | 3.9793% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2596% | 5,629 |
| Return on assets (ROA) | 0.2646% | 5,680 |
| Pretax return on assets | 0.4626% | 5,350 |
| Return on Equity (ROE) | 2.2368% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.2368% | 4,654 |
| Net charge-offs to loans | 0.1885% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.8151% | 3,806 |
| Efficiency ratio | 89.7422% | 861 |
| Assets per employee ($millions) | 2.4964% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 1,051 |
| Loan loss allowance to noncurrent loans | 48.5659% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.0787% | 646 |
| Noncurrent loans to loans | 4.1848% | 422 |
| Net loans and leases to total assets | 59.0512% | 3,914 |
| Net loans and leases to deposits | 67.7867% | 4,146 |
| Net loans and leases to core deposits | 69.1435% | 4,395 |
| Total domestic deposits to total assets | 87.1133% | 2,218 |
| Equity capital to assets | 11.9409% | 2,053 |
| Core capital (leverage) ratio | 10.9130% | 2,484 |
| Tier 1 risk-based capital ratio | 17.0206% | 2,508 |
| Total risk-based capital ratio | 18.2788% | 2,452 |
| Memoranda: | ||
| Average total assets | $244,916,800 | 2,573 |
| Average earning assets | $217,235,000 | 2,644 |
| Average equity | $28,970,000 | 2,349 |
| Average total loans | $154,916,200 | 2,496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,689 |
| Cost of funding earning assets | 0.3229% | 4,643 |
| Net interest margin | 3.9631% | 1,984 |
| Noninterest income to average assets | 0.9824% | 1,277 |
| Noninterest expense to average assets | 3.7950% | 981 |
| Loan and lease loss provision to assets | 0.0435% | 3,528 |
| Net operating income to assets | 0.4237% | 5,160 |
| Return on assets (ROA) | 0.4294% | 5,220 |
| Pretax return on assets | 0.6656% | 4,818 |
| Return on Equity (ROE) | 3.6389% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.6389% | 4,059 |
| Net charge-offs to loans | 0.2220% | 1,713 |
| Credit loss provision to net charge-offs | 30.6513% | 3,445 |
| Earnings coverage of net charge-offs (x) | 4.9311% | 3,351 |
| Efficiency ratio | 84.4189% | 1,342 |
| Assets per employee ($millions) | 2.5873% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 1,094 |
| Loan loss allowance to noncurrent loans | 52.0516% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 777 |
| Noncurrent loans to loans | 4.0320% | 522 |
| Net loans and leases to total assets | 58.9853% | 3,939 |
| Net loans and leases to deposits | 67.7237% | 4,164 |
| Net loans and leases to core deposits | 69.2387% | 4,394 |
| Total domestic deposits to total assets | 87.0970% | 2,261 |
| Equity capital to assets | 11.9046% | 2,148 |
| Core capital (leverage) ratio | 11.0362% | 2,456 |
| Tier 1 risk-based capital ratio | 17.0243% | 2,610 |
| Total risk-based capital ratio | 18.2836% | 2,558 |
| Memoranda: | ||
| Average total assets | $244,984,250 | 2,583 |
| Average earning assets | $217,165,500 | 2,660 |
| Average equity | $28,909,250 | 2,362 |
| Average total loans | $156,779,250 | 2,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,453 |
| Cost of funding earning assets | 0.3404% | 4,533 |
| Net interest margin | 3.9939% | 1,821 |
| Noninterest income to average assets | 1.0102% | 1,173 |
| Noninterest expense to average assets | 3.7587% | 1,029 |
| Loan and lease loss provision to assets | 0.0654% | 2,961 |
| Net operating income to assets | 0.4665% | 4,945 |
| Return on assets (ROA) | 0.4748% | 4,982 |
| Pretax return on assets | 0.7380% | 4,500 |
| Return on Equity (ROE) | 4.0358% | 5,128 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,609 |
| Net charge-offs to loans | 0.2380% | 1,623 |
| Credit loss provision to net charge-offs | 42.1053% | 2,898 |
| Earnings coverage of net charge-offs (x) | 5.0895% | 2,990 |
| Efficiency ratio | 82.6267% | 1,676 |
| Assets per employee ($millions) | 2.5934% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 1,386 |
| Loan loss allowance to noncurrent loans | 46.5515% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 3.3803% | 704 |
| Noncurrent loans to loans | 4.2646% | 531 |
| Net loans and leases to total assets | 63.7064% | 3,120 |
| Net loans and leases to deposits | 73.7351% | 3,353 |
| Net loans and leases to core deposits | 75.1649% | 3,716 |
| Total domestic deposits to total assets | 86.3990% | 2,820 |
| Equity capital to assets | 11.8167% | 2,137 |
| Core capital (leverage) ratio | 10.9124% | 2,517 |
| Tier 1 risk-based capital ratio | 15.7231% | 3,233 |
| Total risk-based capital ratio | 16.9808% | 3,171 |
| Memoranda: | ||
| Average total assets | $244,714,000 | 2,593 |
| Average earning assets | $216,829,000 | 2,670 |
| Average equity | $28,792,000 | 2,358 |
| Average total loans | $159,675,330 | 2,453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3507% | 2,329 |
| Cost of funding earning assets | 0.3573% | 4,470 |
| Net interest margin | 3.9934% | 1,789 |
| Noninterest income to average assets | 1.0218% | 1,081 |
| Noninterest expense to average assets | 3.7263% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5363% | 4,522 |
| Return on assets (ROA) | 0.5363% | 4,595 |
| Pretax return on assets | 0.8332% | 3,963 |
| Return on Equity (ROE) | 4.5684% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.5684% | 3,383 |
| Net charge-offs to loans | 0.1856% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.8649% | 2,184 |
| Efficiency ratio | 81.7266% | 1,961 |
| Assets per employee ($millions) | 2.6360% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 1,451 |
| Loan loss allowance to noncurrent loans | 72.4425% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.4870% | 1,288 |
| Noncurrent loans to loans | 2.8095% | 1,180 |
| Net loans and leases to total assets | 63.1235% | 3,054 |
| Net loans and leases to deposits | 72.9369% | 3,214 |
| Net loans and leases to core deposits | 74.3559% | 3,609 |
| Total domestic deposits to total assets | 86.5454% | 3,082 |
| Equity capital to assets | 11.7348% | 2,074 |
| Core capital (leverage) ratio | 10.9124% | 2,475 |
| Tier 1 risk-based capital ratio | 15.6656% | 3,353 |
| Total risk-based capital ratio | 16.9235% | 3,311 |
| Memoranda: | ||
| Average total assets | $243,885,500 | 2,608 |
| Average earning assets | $216,055,500 | 2,682 |
| Average equity | $28,631,500 | 2,355 |
| Average total loans | $159,446,500 | 2,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 1,482 |
| Cost of funding earning assets | 0.4526% | 4,085 |
| Net interest margin | 4.2819% | 1,151 |
| Noninterest income to average assets | 0.9544% | 1,510 |
| Noninterest expense to average assets | 4.1188% | 762 |
| Loan and lease loss provision to assets | 0.0687% | 3,756 |
| Net operating income to assets | 0.3934% | 5,172 |
| Return on assets (ROA) | 0.5102% | 4,822 |
| Pretax return on assets | 0.7003% | 4,541 |
| Return on Equity (ROE) | 4.4874% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.4874% | 2,984 |
| Net charge-offs to loans | 0.9643% | 617 |
| Credit loss provision to net charge-offs | 10.7009% | 4,575 |
| Earnings coverage of net charge-offs (x) | 0.9481% | 4,767 |
| Efficiency ratio | 87.1173% | 1,301 |
| Assets per employee ($millions) | 2.4507% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 1,454 |
| Loan loss allowance to noncurrent loans | 67.0951% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.0204% | 1,044 |
| Noncurrent loans to loans | 3.0460% | 1,137 |
| Net loans and leases to total assets | 64.9744% | 2,874 |
| Net loans and leases to deposits | 75.5652% | 3,019 |
| Net loans and leases to core deposits | 76.9671% | 3,498 |
| Total domestic deposits to total assets | 85.9847% | 3,266 |
| Equity capital to assets | 11.7447% | 1,991 |
| Core capital (leverage) ratio | 10.6926% | 2,682 |
| Tier 1 risk-based capital ratio | 15.4965% | 3,374 |
| Total risk-based capital ratio | 16.7556% | 3,323 |
| Memoranda: | ||
| Average total assets | $248,737,600 | 2,542 |
| Average earning assets | $219,202,000 | 2,629 |
| Average equity | $28,279,400 | 2,361 |
| Average total loans | $165,720,000 | 2,351 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 1,358 |
| Cost of funding earning assets | 0.4708% | 4,062 |
| Net interest margin | 4.3235% | 1,041 |
| Noninterest income to average assets | 0.9648% | 1,565 |
| Noninterest expense to average assets | 3.9360% | 925 |
| Loan and lease loss provision to assets | 0.0911% | 3,246 |
| Net operating income to assets | 0.4834% | 4,875 |
| Return on assets (ROA) | 0.6212% | 4,378 |
| Pretax return on assets | 0.9563% | 3,662 |
| Return on Equity (ROE) | 5.5079% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.5079% | 2,720 |
| Net charge-offs to loans | 1.0744% | 526 |
| Credit loss provision to net charge-offs | 12.7138% | 4,188 |
| Earnings coverage of net charge-offs (x) | 1.1658% | 4,457 |
| Efficiency ratio | 82.4922% | 1,763 |
| Assets per employee ($millions) | 2.4528% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 1,488 |
| Loan loss allowance to noncurrent loans | 60.5574% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 3.2485% | 1,090 |
| Noncurrent loans to loans | 3.4796% | 1,096 |
| Net loans and leases to total assets | 67.0863% | 2,444 |
| Net loans and leases to deposits | 78.2292% | 2,621 |
| Net loans and leases to core deposits | 79.4949% | 3,179 |
| Total domestic deposits to total assets | 85.7561% | 3,376 |
| Equity capital to assets | 11.5185% | 2,289 |
| Core capital (leverage) ratio | 10.5342% | 2,969 |
| Tier 1 risk-based capital ratio | 14.7699% | 3,898 |
| Total risk-based capital ratio | 16.0296% | 3,850 |
| Memoranda: | ||
| Average total assets | $250,267,000 | 2,542 |
| Average earning assets | $220,342,250 | 2,627 |
| Average equity | $28,225,500 | 2,392 |
| Average total loans | $166,917,500 | 2,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 1,419 |
| Cost of funding earning assets | 0.4906% | 3,984 |
| Net interest margin | 4.2712% | 1,088 |
| Noninterest income to average assets | 1.0170% | 1,482 |
| Noninterest expense to average assets | 3.8130% | 1,073 |
| Loan and lease loss provision to assets | 0.1358% | 2,628 |
| Net operating income to assets | 0.5297% | 4,666 |
| Return on assets (ROA) | 0.7320% | 3,820 |
| Pretax return on assets | 1.1368% | 2,936 |
| Return on Equity (ROE) | 6.5352% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.5352% | 2,124 |
| Net charge-offs to loans | 0.5272% | 1,255 |
| Credit loss provision to net charge-offs | 38.9522% | 3,438 |
| Earnings coverage of net charge-offs (x) | 2.7449% | 3,600 |
| Efficiency ratio | 79.9434% | 2,163 |
| Assets per employee ($millions) | 2.5653% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6495% | 829 |
| Loan loss allowance to noncurrent loans | 70.9636% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.4144% | 1,138 |
| Noncurrent loans to loans | 3.7336% | 1,091 |
| Net loans and leases to total assets | 65.6809% | 2,645 |
| Net loans and leases to deposits | 76.1097% | 2,858 |
| Net loans and leases to core deposits | 77.3163% | 3,380 |
| Total domestic deposits to total assets | 86.2976% | 3,207 |
| Equity capital to assets | 11.4089% | 2,370 |
| Core capital (leverage) ratio | 10.2737% | 3,132 |
| Tier 1 risk-based capital ratio | 14.6411% | 4,006 |
| Total risk-based capital ratio | 15.9072% | 3,957 |
| Memoranda: | ||
| Average total assets | $251,928,000 | 2,534 |
| Average earning assets | $221,344,670 | 2,624 |
| Average equity | $28,216,330 | 2,412 |
| Average total loans | $166,525,330 | 2,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 1,144 |
| Cost of funding earning assets | 0.5464% | 3,606 |
| Net interest margin | 4.3280% | 915 |
| Noninterest income to average assets | 1.0841% | 1,256 |
| Noninterest expense to average assets | 3.7558% | 1,169 |
| Loan and lease loss provision to assets | 0.2698% | 1,312 |
| Net operating income to assets | 0.5987% | 4,219 |
| Return on assets (ROA) | 1.0052% | 2,316 |
| Pretax return on assets | 1.4392% | 1,741 |
| Return on Equity (ROE) | 9.0579% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.0579% | 1,363 |
| Net charge-offs to loans | 0.7429% | 818 |
| Credit loss provision to net charge-offs | 55.5195% | 2,517 |
| Earnings coverage of net charge-offs (x) | 2.3214% | 3,072 |
| Efficiency ratio | 76.8982% | 2,780 |
| Assets per employee ($millions) | 2.6301% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7930% | 824 |
| Loan loss allowance to noncurrent loans | 115.5146% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5407% | 1,807 |
| Noncurrent loans to loans | 2.4179% | 2,141 |
| Net loans and leases to total assets | 63.1181% | 2,867 |
| Net loans and leases to deposits | 72.8385% | 3,079 |
| Net loans and leases to core deposits | 74.0601% | 3,569 |
| Total domestic deposits to total assets | 86.6549% | 3,151 |
| Equity capital to assets | 11.1882% | 2,754 |
| Core capital (leverage) ratio | 9.9690% | 3,425 |
| Tier 1 risk-based capital ratio | 14.6314% | 4,081 |
| Total risk-based capital ratio | 15.8991% | 4,031 |
| Memoranda: | ||
| Average total assets | $253,476,000 | 2,548 |
| Average earning assets | $222,550,500 | 2,643 |
| Average equity | $28,130,000 | 2,429 |
| Average total loans | $165,846,500 | 2,367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 1,090 |
| Cost of funding earning assets | 0.7501% | 3,089 |
| Net interest margin | 4.4654% | 1,010 |
| Noninterest income to average assets | 0.9855% | 1,575 |
| Noninterest expense to average assets | 3.6981% | 1,418 |
| Loan and lease loss provision to assets | 0.2726% | 2,465 |
| Net operating income to assets | 0.7197% | 3,641 |
| Return on assets (ROA) | 0.7289% | 3,858 |
| Pretax return on assets | 0.9816% | 3,610 |
| Return on Equity (ROE) | 6.8993% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.8993% | 1,613 |
| Net charge-offs to loans | 0.8416% | 1,374 |
| Credit loss provision to net charge-offs | 51.7751% | 4,654 |
| Earnings coverage of net charge-offs (x) | 2.3587% | 4,233 |
| Efficiency ratio | 74.8640% | 2,926 |
| Assets per employee ($millions) | 2.6785% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8114% | 814 |
| Loan loss allowance to noncurrent loans | 106.0729% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 2.6664% | 1,811 |
| Noncurrent loans to loans | 2.6504% | 1,997 |
| Net loans and leases to total assets | 64.0689% | 2,888 |
| Net loans and leases to deposits | 74.1333% | 3,068 |
| Net loans and leases to core deposits | 75.6714% | 3,580 |
| Total domestic deposits to total assets | 86.4239% | 3,138 |
| Equity capital to assets | 11.0079% | 2,942 |
| Core capital (leverage) ratio | 9.5593% | 4,023 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,730 |
| Total risk-based capital ratio | 14.7998% | 4,662 |
| Memoranda: | ||
| Average total assets | $256,831,200 | 2,471 |
| Average earning assets | $227,436,400 | 2,534 |
| Average equity | $27,133,000 | 2,472 |
| Average total loans | $160,653,200 | 2,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2419% | 1,111 |
| Cost of funding earning assets | 0.7771% | 3,140 |
| Net interest margin | 4.4648% | 1,060 |
| Noninterest income to average assets | 1.0348% | 1,414 |
| Noninterest expense to average assets | 3.5515% | 1,652 |
| Loan and lease loss provision to assets | 0.1347% | 3,859 |
| Net operating income to assets | 0.8646% | 3,160 |
| Return on assets (ROA) | 0.8660% | 3,393 |
| Pretax return on assets | 1.3057% | 2,591 |
| Return on Equity (ROE) | 8.2831% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.2831% | 1,501 |
| Net charge-offs to loans | 0.5346% | 2,000 |
| Credit loss provision to net charge-offs | 40.8163% | 4,596 |
| Earnings coverage of net charge-offs (x) | 4.3595% | 3,324 |
| Efficiency ratio | 71.1750% | 3,476 |
| Assets per employee ($millions) | 2.6517% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0036% | 708 |
| Loan loss allowance to noncurrent loans | 90.8942% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 3.1407% | 1,648 |
| Noncurrent loans to loans | 3.3045% | 1,664 |
| Net loans and leases to total assets | 63.3163% | 3,153 |
| Net loans and leases to deposits | 73.2551% | 3,398 |
| Net loans and leases to core deposits | 74.7825% | 3,881 |
| Total domestic deposits to total assets | 86.4327% | 3,026 |
| Equity capital to assets | 10.9318% | 3,342 |
| Core capital (leverage) ratio | 9.4261% | 4,379 |
| Tier 1 risk-based capital ratio | 13.6311% | 4,796 |
| Total risk-based capital ratio | 14.9010% | 4,737 |
| Memoranda: | ||
| Average total assets | $257,423,500 | 2,482 |
| Average earning assets | $228,030,250 | 2,549 |
| Average equity | $26,913,500 | 2,509 |
| Average total loans | $158,879,750 | 2,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1777% | 1,321 |
| Cost of funding earning assets | 0.7931% | 3,245 |
| Net interest margin | 4.3846% | 1,248 |
| Noninterest income to average assets | 1.0667% | 1,259 |
| Noninterest expense to average assets | 3.5011% | 1,784 |
| Loan and lease loss provision to assets | 0.1238% | 3,979 |
| Net operating income to assets | 0.8739% | 3,026 |
| Return on assets (ROA) | 0.8724% | 3,292 |
| Pretax return on assets | 1.3252% | 2,460 |
| Return on Equity (ROE) | 8.4709% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.4709% | 1,459 |
| Net charge-offs to loans | 0.1368% | 3,834 |
| Credit loss provision to net charge-offs | 149.5327% | 1,856 |
| Earnings coverage of net charge-offs (x) | 17.5234% | 1,525 |
| Efficiency ratio | 70.6940% | 3,651 |
| Assets per employee ($millions) | 2.7560% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3842% | 544 |
| Loan loss allowance to noncurrent loans | 81.9006% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 3.4007% | 1,579 |
| Noncurrent loans to loans | 4.1321% | 1,327 |
| Net loans and leases to total assets | 59.7394% | 3,871 |
| Net loans and leases to deposits | 69.1106% | 4,026 |
| Net loans and leases to core deposits | 70.3602% | 4,493 |
| Total domestic deposits to total assets | 86.4402% | 3,106 |
| Equity capital to assets | 10.4845% | 3,709 |
| Core capital (leverage) ratio | 9.0903% | 4,773 |
| Tier 1 risk-based capital ratio | 13.6102% | 4,732 |
| Total risk-based capital ratio | 14.8837% | 4,685 |
| Memoranda: | ||
| Average total assets | $258,378,000 | 2,477 |
| Average earning assets | $228,981,330 | 2,534 |
| Average equity | $26,608,670 | 2,517 |
| Average total loans | $156,450,000 | 2,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 680 |
| Cost of funding earning assets | 0.8252% | 3,275 |
| Net interest margin | 4.7360% | 644 |
| Noninterest income to average assets | 1.0076% | 1,407 |
| Noninterest expense to average assets | 3.5809% | 1,605 |
| Loan and lease loss provision to assets | 0.1860% | 3,113 |
| Net operating income to assets | 0.9409% | 2,742 |
| Return on assets (ROA) | 0.9379% | 2,961 |
| Pretax return on assets | 1.4262% | 2,102 |
| Return on Equity (ROE) | 9.1903% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.1903% | 1,519 |
| Net charge-offs to loans | 0.1630% | 3,112 |
| Credit loss provision to net charge-offs | 190.4762% | 1,385 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,355 |
| Efficiency ratio | 68.8935% | 3,999 |
| Assets per employee ($millions) | 2.7148% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4963% | 538 |
| Loan loss allowance to noncurrent loans | 106.2476% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 2.7807% | 2,106 |
| Noncurrent loans to loans | 3.2907% | 1,938 |
| Net loans and leases to total assets | 57.4549% | 4,135 |
| Net loans and leases to deposits | 65.9874% | 4,382 |
| Net loans and leases to core deposits | 67.2342% | 4,772 |
| Total domestic deposits to total assets | 87.0694% | 2,922 |
| Equity capital to assets | 10.1768% | 3,880 |
| Core capital (leverage) ratio | 8.7325% | 5,244 |
| Tier 1 risk-based capital ratio | 13.2512% | 5,032 |
| Total risk-based capital ratio | 14.5259% | 4,989 |
| Memoranda: | ||
| Average total assets | $258,033,500 | 2,493 |
| Average earning assets | $228,295,000 | 2,559 |
| Average equity | $26,332,000 | 2,546 |
| Average total loans | $154,582,000 | 2,560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 1,480 |
| Cost of funding earning assets | 1.0776% | 2,821 |
| Net interest margin | 4.2979% | 1,701 |
| Noninterest income to average assets | 0.5228% | 3,699 |
| Noninterest expense to average assets | 3.6291% | 1,686 |
| Loan and lease loss provision to assets | 1.1183% | 812 |
| Net operating income to assets | -0.2129% | 6,273 |
| Return on assets (ROA) | -0.2173% | 6,341 |
| Pretax return on assets | -0.5379% | 6,513 |
| Return on Equity (ROE) | -2.1270% | 6,347 |
| Retained earnings to average equity (ytd only) | -2.1270% | 6,172 |
| Net charge-offs to loans | 2.2859% | 549 |
| Credit loss provision to net charge-offs | 80.2219% | 4,438 |
| Earnings coverage of net charge-offs (x) | 0.4214% | 5,503 |
| Efficiency ratio | 86.0693% | 1,558 |
| Assets per employee ($millions) | 2.7175% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4857% | 537 |
| Loan loss allowance to noncurrent loans | 97.6533% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 2,055 |
| Noncurrent loans to loans | 3.5695% | 1,793 |
| Net loans and leases to total assets | 58.1851% | 4,337 |
| Net loans and leases to deposits | 66.9099% | 4,601 |
| Net loans and leases to core deposits | 68.6115% | 4,952 |
| Total domestic deposits to total assets | 86.9604% | 2,788 |
| Equity capital to assets | 10.2335% | 3,871 |
| Core capital (leverage) ratio | 8.5798% | 5,430 |
| Tier 1 risk-based capital ratio | 13.1040% | 4,990 |
| Total risk-based capital ratio | 14.3784% | 4,948 |
| Memoranda: | ||
| Average total assets | $258,603,800 | 2,439 |
| Average earning assets | $222,247,400 | 2,586 |
| Average equity | $26,422,800 | 2,444 |
| Average total loans | $157,706,600 | 2,530 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 1,623 |
| Cost of funding earning assets | 1.1343% | 2,743 |
| Net interest margin | 4.2311% | 1,983 |
| Noninterest income to average assets | 0.6759% | 2,735 |
| Noninterest expense to average assets | 3.5667% | 1,782 |
| Loan and lease loss provision to assets | 1.2675% | 596 |
| Net operating income to assets | -0.2927% | 6,477 |
| Return on assets (ROA) | -0.2986% | 6,552 |
| Pretax return on assets | -0.5515% | 6,652 |
| Return on Equity (ROE) | -2.9240% | 6,557 |
| Retained earnings to average equity (ytd only) | -2.9240% | 6,409 |
| Net charge-offs to loans | 3.1149% | 295 |
| Credit loss provision to net charge-offs | 66.5407% | 4,586 |
| Earnings coverage of net charge-offs (x) | 0.3807% | 5,327 |
| Efficiency ratio | 83.1018% | 1,837 |
| Assets per employee ($millions) | 2.6754% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1000% | 799 |
| Loan loss allowance to noncurrent loans | 82.7097% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 3.5084% | 1,796 |
| Noncurrent loans to loans | 3.7481% | 1,815 |
| Net loans and leases to total assets | 58.9146% | 4,342 |
| Net loans and leases to deposits | 67.5045% | 4,690 |
| Net loans and leases to core deposits | 69.0918% | 5,052 |
| Total domestic deposits to total assets | 87.2751% | 2,478 |
| Equity capital to assets | 10.1393% | 4,169 |
| Core capital (leverage) ratio | 8.6518% | 5,481 |
| Tier 1 risk-based capital ratio | 13.3742% | 4,824 |
| Total risk-based capital ratio | 14.6448% | 4,780 |
| Memoranda: | ||
| Average total assets | $259,393,500 | 2,443 |
| Average earning assets | $221,688,500 | 2,607 |
| Average equity | $26,493,250 | 2,441 |
| Average total loans | $158,633,500 | 2,538 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4291% | 1,477 |
| Cost of funding earning assets | 1.1903% | 2,642 |
| Net interest margin | 4.2388% | 1,881 |
| Noninterest income to average assets | 0.9852% | 1,364 |
| Noninterest expense to average assets | 3.6635% | 1,596 |
| Loan and lease loss provision to assets | 0.3843% | 2,496 |
| Net operating income to assets | 0.4289% | 4,819 |
| Return on assets (ROA) | 0.4181% | 5,017 |
| Pretax return on assets | 0.5333% | 4,957 |
| Return on Equity (ROE) | 4.0835% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.0835% | 3,600 |
| Net charge-offs to loans | 4.1578% | 190 |
| Credit loss provision to net charge-offs | 15.0830% | 5,197 |
| Earnings coverage of net charge-offs (x) | 0.3656% | 5,032 |
| Efficiency ratio | 79.7291% | 2,432 |
| Assets per employee ($millions) | 2.6848% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 2,201 |
| Loan loss allowance to noncurrent loans | 55.5612% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.7739% | 1,725 |
| Noncurrent loans to loans | 3.7115% | 1,894 |
| Net loans and leases to total assets | 59.5801% | 4,354 |
| Net loans and leases to deposits | 68.4126% | 4,645 |
| Net loans and leases to core deposits | 70.2163% | 5,049 |
| Total domestic deposits to total assets | 87.0894% | 2,692 |
| Equity capital to assets | 10.3621% | 3,674 |
| Core capital (leverage) ratio | 9.1015% | 4,565 |
| Tier 1 risk-based capital ratio | 13.6514% | 4,415 |
| Total risk-based capital ratio | 14.9095% | 4,388 |
| Memoranda: | ||
| Average total assets | $260,243,670 | 2,453 |
| Average earning assets | $221,619,330 | 2,631 |
| Average equity | $26,643,670 | 2,412 |
| Average total loans | $159,458,330 | 2,543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 1,430 |
| Cost of funding earning assets | 1.2593% | 2,436 |
| Net interest margin | 4.1904% | 1,922 |
| Noninterest income to average assets | 1.1731% | 938 |
| Noninterest expense to average assets | 3.5056% | 1,990 |
| Loan and lease loss provision to assets | 0.2306% | 3,345 |
| Net operating income to assets | 0.6520% | 3,743 |
| Return on assets (ROA) | 0.6365% | 3,896 |
| Pretax return on assets | 0.9441% | 3,344 |
| Return on Equity (ROE) | 6.2554% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.2554% | 2,491 |
| Net charge-offs to loans | 4.3207% | 197 |
| Credit loss provision to net charge-offs | 8.6806% | 4,395 |
| Earnings coverage of net charge-offs (x) | 0.4508% | 4,283 |
| Efficiency ratio | 74.5342% | 3,420 |
| Assets per employee ($millions) | 2.6554% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8569% | 1,048 |
| Loan loss allowance to noncurrent loans | 107.2143% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 3.2136% | 2,140 |
| Noncurrent loans to loans | 2.6646% | 2,828 |
| Net loans and leases to total assets | 58.2453% | 4,606 |
| Net loans and leases to deposits | 66.6126% | 4,889 |
| Net loans and leases to core deposits | 68.5867% | 5,219 |
| Total domestic deposits to total assets | 87.4389% | 2,694 |
| Equity capital to assets | 10.1597% | 3,579 |
| Core capital (leverage) ratio | 9.2320% | 4,238 |
| Tier 1 risk-based capital ratio | 13.6705% | 4,311 |
| Total risk-based capital ratio | 14.9375% | 4,270 |
| Memoranda: | ||
| Average total assets | $260,155,000 | 2,468 |
| Average earning assets | $219,168,000 | 2,675 |
| Average equity | $26,473,000 | 2,416 |
| Average total loans | $159,974,500 | 2,562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6979% | 1,575 |
| Cost of funding earning assets | 1.6066% | 2,035 |
| Net interest margin | 4.0913% | 2,610 |
| Noninterest income to average assets | 0.4798% | 4,319 |
| Noninterest expense to average assets | 3.7767% | 1,532 |
| Loan and lease loss provision to assets | 1.6476% | 867 |
| Net operating income to assets | -0.8714% | 6,613 |
| Return on assets (ROA) | -0.8714% | 6,640 |
| Pretax return on assets | -1.5039% | 6,856 |
| Return on Equity (ROE) | -8.3109% | 6,642 |
| Retained earnings to average equity (ytd only) | -8.3109% | 6,555 |
| Net charge-offs to loans | 1.9489% | 1,048 |
| Credit loss provision to net charge-offs | 133.7608% | 2,919 |
| Earnings coverage of net charge-offs (x) | 0.1166% | 6,005 |
| Efficiency ratio | 96.3362% | 954 |
| Assets per employee ($millions) | 2.6268% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7461% | 500 |
| Loan loss allowance to noncurrent loans | 122.6503% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 4.9777% | 1,292 |
| Noncurrent loans to loans | 3.0543% | 2,499 |
| Net loans and leases to total assets | 60.6960% | 4,547 |
| Net loans and leases to deposits | 69.5750% | 4,865 |
| Net loans and leases to core deposits | 71.1807% | 5,310 |
| Total domestic deposits to total assets | 87.2383% | 2,705 |
| Equity capital to assets | 10.1924% | 3,513 |
| Core capital (leverage) ratio | 9.0380% | 4,474 |
| Tier 1 risk-based capital ratio | 13.0763% | 4,542 |
| Total risk-based capital ratio | 14.3529% | 4,483 |
| Memoranda: | ||
| Average total assets | $272,218,400 | 2,344 |
| Average earning assets | $228,927,200 | 2,536 |
| Average equity | $28,540,800 | 2,277 |
| Average total loans | $172,044,400 | 2,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 1,905 |
| Cost of funding earning assets | 1.6348% | 2,185 |
| Net interest margin | 4.0081% | 3,063 |
| Noninterest income to average assets | 0.8118% | 2,172 |
| Noninterest expense to average assets | 3.4841% | 2,067 |
| Loan and lease loss provision to assets | 0.7408% | 2,062 |
| Net operating income to assets | 0.0232% | 5,948 |
| Return on assets (ROA) | 0.0232% | 6,071 |
| Pretax return on assets | -0.0198% | 6,115 |
| Return on Equity (ROE) | 0.2198% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.2198% | 5,692 |
| Net charge-offs to loans | 1.0454% | 1,936 |
| Credit loss provision to net charge-offs | 112.0614% | 3,774 |
| Earnings coverage of net charge-offs (x) | 1.0906% | 4,963 |
| Efficiency ratio | 82.8545% | 1,966 |
| Assets per employee ($millions) | 2.5979% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0082% | 815 |
| Loan loss allowance to noncurrent loans | 138.6012% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 4.6027% | 1,462 |
| Noncurrent loans to loans | 2.1704% | 3,481 |
| Net loans and leases to total assets | 61.6094% | 4,610 |
| Net loans and leases to deposits | 71.0169% | 4,991 |
| Net loans and leases to core deposits | 73.7280% | 5,329 |
| Total domestic deposits to total assets | 86.7532% | 2,663 |
| Equity capital to assets | 10.8823% | 3,073 |
| Core capital (leverage) ratio | 9.9881% | 3,266 |
| Tier 1 risk-based capital ratio | 14.4515% | 3,534 |
| Total risk-based capital ratio | 15.7202% | 3,494 |
| Memoranda: | ||
| Average total assets | $275,916,250 | 2,346 |
| Average earning assets | $233,585,250 | 2,529 |
| Average equity | $29,116,500 | 2,264 |
| Average total loans | $174,473,250 | 2,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 2,343 |
| Cost of funding earning assets | 1.6343% | 2,456 |
| Net interest margin | 3.9127% | 3,387 |
| Noninterest income to average assets | 0.7535% | 2,374 |
| Noninterest expense to average assets | 3.3549% | 2,393 |
| Loan and lease loss provision to assets | 0.2583% | 4,351 |
| Net operating income to assets | 0.3488% | 4,978 |
| Return on assets (ROA) | 0.3488% | 5,145 |
| Pretax return on assets | 0.4751% | 4,986 |
| Return on Equity (ROE) | 3.3384% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.3384% | 3,984 |
| Net charge-offs to loans | 1.3661% | 1,395 |
| Credit loss provision to net charge-offs | 29.9501% | 5,736 |
| Earnings coverage of net charge-offs (x) | 0.8502% | 4,920 |
| Efficiency ratio | 82.0607% | 2,159 |
| Assets per employee ($millions) | 2.9015% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3306% | 1,538 |
| Loan loss allowance to noncurrent loans | 125.5657% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 3.1039% | 2,282 |
| Noncurrent loans to loans | 1.8561% | 3,927 |
| Net loans and leases to total assets | 59.3042% | 5,193 |
| Net loans and leases to deposits | 67.6012% | 5,606 |
| Net loans and leases to core deposits | 69.8478% | 5,888 |
| Total domestic deposits to total assets | 87.7266% | 2,154 |
| Equity capital to assets | 10.1217% | 3,864 |
| Core capital (leverage) ratio | 10.0574% | 3,106 |
| Tier 1 risk-based capital ratio | 14.9432% | 3,179 |
| Total risk-based capital ratio | 16.2041% | 3,143 |
| Memoranda: | ||
| Average total assets | $278,694,670 | 2,338 |
| Average earning assets | $237,534,000 | 2,511 |
| Average equity | $29,115,670 | 2,253 |
| Average total loans | $175,975,000 | 2,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 2,054 |
| Cost of funding earning assets | 1.6204% | 2,834 |
| Net interest margin | 4.0041% | 2,858 |
| Noninterest income to average assets | 0.7034% | 2,577 |
| Noninterest expense to average assets | 3.5755% | 1,796 |
| Loan and lease loss provision to assets | 0.1465% | 5,083 |
| Net operating income to assets | 0.3722% | 4,966 |
| Return on assets (ROA) | 0.3722% | 5,090 |
| Pretax return on assets | 0.4250% | 5,213 |
| Return on Equity (ROE) | 3.5047% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.5047% | 4,047 |
| Net charge-offs to loans | 1.4874% | 1,161 |
| Credit loss provision to net charge-offs | 15.2905% | 4,991 |
| Earnings coverage of net charge-offs (x) | 0.5963% | 4,494 |
| Efficiency ratio | 86.2191% | 1,772 |
| Assets per employee ($millions) | 2.7807% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 1,289 |
| Loan loss allowance to noncurrent loans | 111.4945% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 3.5211% | 1,999 |
| Noncurrent loans to loans | 2.2441% | 3,465 |
| Net loans and leases to total assets | 60.9661% | 4,947 |
| Net loans and leases to deposits | 69.7172% | 5,389 |
| Net loans and leases to core deposits | 71.3115% | 5,795 |
| Total domestic deposits to total assets | 87.4478% | 2,385 |
| Equity capital to assets | 10.3557% | 3,401 |
| Core capital (leverage) ratio | 9.8334% | 3,362 |
| Tier 1 risk-based capital ratio | 14.0580% | 3,622 |
| Total risk-based capital ratio | 15.3211% | 3,572 |
| Memoranda: | ||
| Average total assets | $272,968,000 | 2,447 |
| Average earning assets | $234,761,500 | 2,596 |
| Average equity | $28,989,500 | 2,292 |
| Average total loans | $175,874,500 | 2,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 1,697 |
| Cost of funding earning assets | 1.9752% | 3,079 |
| Net interest margin | 4.0684% | 2,573 |
| Noninterest income to average assets | 0.9495% | 1,749 |
| Noninterest expense to average assets | 3.8217% | 1,658 |
| Loan and lease loss provision to assets | 0.6356% | 3,262 |
| Net operating income to assets | 0.1180% | 5,154 |
| Return on assets (ROA) | 0.1180% | 5,211 |
| Pretax return on assets | 0.0391% | 5,348 |
| Return on Equity (ROE) | 1.0922% | 5,203 |
| Retained earnings to average equity (ytd only) | 1.0922% | 4,277 |
| Net charge-offs to loans | 0.7379% | 2,976 |
| Credit loss provision to net charge-offs | 127.1830% | 4,075 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 4,786 |
| Efficiency ratio | 84.9945% | 2,229 |
| Assets per employee ($millions) | 2.6509% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8093% | 925 |
| Loan loss allowance to noncurrent loans | 166.8803% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 3.2095% | 2,140 |
| Noncurrent loans to loans | 1.6834% | 4,125 |
| Net loans and leases to total assets | 64.5766% | 4,475 |
| Net loans and leases to deposits | 74.4656% | 4,957 |
| Net loans and leases to core deposits | 89.4135% | 5,188 |
| Total domestic deposits to total assets | 86.7201% | 2,642 |
| Equity capital to assets | 10.9003% | 2,775 |
| Core capital (leverage) ratio | 9.9722% | 3,117 |
| Tier 1 risk-based capital ratio | 14.1929% | 3,384 |
| Total risk-based capital ratio | 15.4606% | 3,324 |
| Memoranda: | ||
| Average total assets | $263,518,800 | 2,484 |
| Average earning assets | $229,747,000 | 2,601 |
| Average equity | $28,475,800 | 2,337 |
| Average total loans | $178,470,000 | 2,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 1,905 |
| Cost of funding earning assets | 2.0114% | 3,298 |
| Net interest margin | 4.0223% | 2,715 |
| Noninterest income to average assets | 1.0352% | 1,479 |
| Noninterest expense to average assets | 3.8297% | 1,539 |
| Loan and lease loss provision to assets | 0.5751% | 3,082 |
| Net operating income to assets | 0.1429% | 5,342 |
| Return on assets (ROA) | 0.1429% | 5,411 |
| Pretax return on assets | 0.1475% | 5,425 |
| Return on Equity (ROE) | 1.3253% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.3253% | 4,582 |
| Net charge-offs to loans | 0.9650% | 2,046 |
| Credit loss provision to net charge-offs | 87.5772% | 5,549 |
| Earnings coverage of net charge-offs (x) | 1.1003% | 4,964 |
| Efficiency ratio | 84.1273% | 2,279 |
| Assets per employee ($millions) | 2.5755% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 1,200 |
| Loan loss allowance to noncurrent loans | 65.8783% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 3.0055% | 2,311 |
| Noncurrent loans to loans | 3.6061% | 2,069 |
| Net loans and leases to total assets | 68.6086% | 3,821 |
| Net loans and leases to deposits | 79.0258% | 4,557 |
| Net loans and leases to core deposits | 95.6265% | 4,851 |
| Total domestic deposits to total assets | 86.8181% | 2,275 |
| Equity capital to assets | 10.8527% | 3,161 |
| Core capital (leverage) ratio | 10.5295% | 2,767 |
| Tier 1 risk-based capital ratio | 14.1745% | 3,455 |
| Total risk-based capital ratio | 15.4379% | 3,393 |
| Memoranda: | ||
| Average total assets | $263,127,250 | 2,500 |
| Average earning assets | $230,077,250 | 2,616 |
| Average equity | $28,371,000 | 2,366 |
| Average total loans | $179,054,750 | 2,553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0079% | 2,153 |
| Cost of funding earning assets | 2.0974% | 3,282 |
| Net interest margin | 3.9105% | 3,057 |
| Noninterest income to average assets | 1.0922% | 1,339 |
| Noninterest expense to average assets | 3.8992% | 1,485 |
| Loan and lease loss provision to assets | 0.6174% | 2,582 |
| Net operating income to assets | -0.0983% | 6,003 |
| Return on assets (ROA) | -0.0983% | 6,056 |
| Pretax return on assets | -0.0069% | 5,878 |
| Return on Equity (ROE) | -0.9139% | 6,061 |
| Retained earnings to average equity (ytd only) | -0.9139% | 5,458 |
| Net charge-offs to loans | 0.6150% | 2,501 |
| Credit loss provision to net charge-offs | 149.1713% | 3,097 |
| Earnings coverage of net charge-offs (x) | 1.4751% | 4,427 |
| Efficiency ratio | 86.4627% | 2,183 |
| Assets per employee ($millions) | 2.4265% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6876% | 760 |
| Loan loss allowance to noncurrent loans | 71.6055% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 3.1473% | 1,997 |
| Noncurrent loans to loans | 3.7533% | 1,844 |
| Net loans and leases to total assets | 68.3741% | 4,090 |
| Net loans and leases to deposits | 77.2301% | 4,990 |
| Net loans and leases to core deposits | 93.2263% | 5,214 |
| Total domestic deposits to total assets | 88.5330% | 1,513 |
| Equity capital to assets | 10.9737% | 2,945 |
| Core capital (leverage) ratio | 10.2361% | 3,058 |
| Tier 1 risk-based capital ratio | 14.3483% | 3,328 |
| Total risk-based capital ratio | 15.5963% | 3,266 |
| Memoranda: | ||
| Average total assets | $262,409,670 | 2,513 |
| Average earning assets | $229,332,330 | 2,640 |
| Average equity | $28,231,330 | 2,393 |
| Average total loans | $176,595,000 | 2,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7967% | 3,323 |
| Cost of funding earning assets | 2.2107% | 3,115 |
| Net interest margin | 3.5861% | 4,377 |
| Noninterest income to average assets | 1.1637% | 1,081 |
| Noninterest expense to average assets | 3.8066% | 1,458 |
| Loan and lease loss provision to assets | 0.1132% | 5,517 |
| Net operating income to assets | 0.3381% | 5,126 |
| Return on assets (ROA) | 0.3381% | 5,309 |
| Pretax return on assets | 0.3804% | 5,454 |
| Return on Equity (ROE) | 3.1734% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.1734% | 4,108 |
| Net charge-offs to loans | 0.9236% | 1,437 |
| Credit loss provision to net charge-offs | 18.6104% | 5,086 |
| Earnings coverage of net charge-offs (x) | 0.8114% | 4,380 |
| Efficiency ratio | 88.5223% | 1,845 |
| Assets per employee ($millions) | 2.4187% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 786 |
| Loan loss allowance to noncurrent loans | 40.8159% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 4.4434% | 1,091 |
| Noncurrent loans to loans | 6.0644% | 781 |
| Net loans and leases to total assets | 63.1148% | 5,140 |
| Net loans and leases to deposits | 70.9949% | 5,868 |
| Net loans and leases to core deposits | 85.8431% | 5,916 |
| Total domestic deposits to total assets | 88.9005% | 1,273 |
| Equity capital to assets | 10.6920% | 3,295 |
| Core capital (leverage) ratio | 10.5293% | 2,890 |
| Tier 1 risk-based capital ratio | 15.1958% | 2,970 |
| Total risk-based capital ratio | 16.4591% | 2,924 |
| Memoranda: | ||
| Average total assets | $265,011,000 | 2,506 |
| Average earning assets | $231,787,000 | 2,622 |
| Average equity | $28,234,500 | 2,402 |
| Average total loans | $174,532,500 | 2,661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5496% | 2,720 |
| Cost of funding earning assets | 2.6519% | 3,416 |
| Net interest margin | 3.8977% | 3,576 |
| Noninterest income to average assets | 1.0580% | 1,402 |
| Noninterest expense to average assets | 4.0512% | 1,341 |
| Loan and lease loss provision to assets | 1.0431% | 1,408 |
| Net operating income to assets | -0.1989% | 6,621 |
| Return on assets (ROA) | -0.1736% | 6,435 |
| Pretax return on assets | -0.5409% | 6,683 |
| Return on Equity (ROE) | -1.6076% | 6,451 |
| Retained earnings to average equity (ytd only) | -2.8151% | 6,059 |
| Net charge-offs to loans | 0.5095% | 2,318 |
| Credit loss provision to net charge-offs | 308.0308% | 1,466 |
| Earnings coverage of net charge-offs (x) | 1.3663% | 5,443 |
| Efficiency ratio | 89.7499% | 1,532 |
| Assets per employee ($millions) | 2.3360% | 7,509 |
| Cash dividends to net income (ytd only)* | -75.1073% | 8,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5950% | 613 |
| Loan loss allowance to noncurrent loans | 61.9851% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 3.1857% | 1,437 |
| Noncurrent loans to loans | 4.1864% | 1,162 |
| Net loans and leases to total assets | 65.2706% | 4,994 |
| Net loans and leases to deposits | 73.3931% | 5,904 |
| Net loans and leases to core deposits | 92.6116% | 5,578 |
| Total domestic deposits to total assets | 88.9330% | 1,073 |
| Equity capital to assets | 10.6158% | 3,373 |
| Core capital (leverage) ratio | 10.6294% | 2,880 |
| Tier 1 risk-based capital ratio | 14.7329% | 3,185 |
| Total risk-based capital ratio | 15.9973% | 3,097 |
| Memoranda: | ||
| Average total assets | $268,438,400 | 2,396 |
| Average earning assets | $238,015,200 | 2,471 |
| Average equity | $28,986,600 | 2,335 |
| Average total loans | $178,401,000 | 2,520 |