Home > First Federal Savings and Loan Association of Greene Co > Performance and Condition Ratios
First Federal Savings and Loan Association of Greene Co, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,190 |
| Cost of funding earning assets | 1.0406% | 3,210 |
| Net interest margin | 2.7490% | 3,752 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.9568% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6173% | 3,398 |
| Return on assets (ROA) | 0.6184% | 3,380 |
| Pretax return on assets | 0.8393% | 3,117 |
| Return on Equity (ROE) | 4.6400% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.6362% | 2,738 |
| Net charge-offs to loans | -0.0006% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.1417% | 1,859 |
| Assets per employee ($millions) | 7.7230% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2773% | 4,432 |
| Loan loss allowance to noncurrent loans | 53.4642% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,587 |
| Noncurrent loans to loans | 0.5187% | 1,493 |
| Net loans and leases to total assets | 64.8300% | 2,382 |
| Net loans and leases to deposits | 75.7712% | 2,477 |
| Net loans and leases to core deposits | 87.0176% | 2,245 |
| Total domestic deposits to total assets | 85.5600% | 2,145 |
| Equity capital to assets | 13.9746% | 686 |
| Core capital (leverage) ratio | 14.8155% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9691% | 198 |
| Memoranda: | ||
| Average total assets | $1,039,381,200 | 952 |
| Average earning assets | $986,261,000 | 919 |
| Average equity | $138,646,800 | 715 |
| Average total loans | $662,130,600 | 1,010 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,155 |
| Cost of funding earning assets | 0.9234% | 3,220 |
| Net interest margin | 2.8292% | 3,677 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.9135% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7042% | 3,320 |
| Return on assets (ROA) | 0.7009% | 3,304 |
| Pretax return on assets | 0.9425% | 2,998 |
| Return on Equity (ROE) | 5.3200% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,836 |
| Net charge-offs to loans | 0.0004% | 2,650 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | 3,688.0000% | 23 |
| Efficiency ratio | 66.9786% | 2,149 |
| Assets per employee ($millions) | 7.5730% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2803% | 4,451 |
| Loan loss allowance to noncurrent loans | 51.3447% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 1,555 |
| Noncurrent loans to loans | 0.5459% | 1,460 |
| Net loans and leases to total assets | 65.1100% | 2,333 |
| Net loans and leases to deposits | 75.8978% | 2,427 |
| Net loans and leases to core deposits | 86.7594% | 2,137 |
| Total domestic deposits to total assets | 85.7900% | 2,258 |
| Equity capital to assets | 13.5057% | 723 |
| Core capital (leverage) ratio | 14.6146% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7852% | 207 |
| Memoranda: | ||
| Average total assets | $1,042,437,000 | 946 |
| Average earning assets | $989,661,500 | 914 |
| Average equity | $137,423,250 | 719 |
| Average total loans | $660,717,500 | 1,009 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,153 |
| Cost of funding earning assets | 0.7737% | 3,286 |
| Net interest margin | 2.9111% | 3,627 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.8564% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7889% | 3,112 |
| Return on assets (ROA) | 0.7890% | 3,124 |
| Pretax return on assets | 1.0767% | 2,701 |
| Return on Equity (ROE) | 6.0300% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.0333% | 2,609 |
| Net charge-offs to loans | 0.0006% | 2,423 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 2,824.5000% | 42 |
| Efficiency ratio | 63.2872% | 2,564 |
| Assets per employee ($millions) | 7.6414% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2873% | 4,483 |
| Loan loss allowance to noncurrent loans | 54.0102% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,512 |
| Noncurrent loans to loans | 0.5319% | 1,402 |
| Net loans and leases to total assets | 63.8900% | 2,396 |
| Net loans and leases to deposits | 74.2410% | 2,470 |
| Net loans and leases to core deposits | 83.8857% | 2,219 |
| Total domestic deposits to total assets | 86.0600% | 2,210 |
| Equity capital to assets | 13.4579% | 726 |
| Core capital (leverage) ratio | 14.3866% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6746% | 194 |
| Memoranda: | ||
| Average total assets | $1,049,130,667 | 928 |
| Average earning assets | $997,014,667 | 902 |
| Average equity | $137,205,667 | 715 |
| Average total loans | $658,433,333 | 996 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9896% | 4,143 |
| Cost of funding earning assets | 0.4424% | 1,779 |
| Net interest margin | 2.5473% | 4,238 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.7319% | 4,120 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6675% | 3,712 |
| Return on assets (ROA) | 0.6573% | 3,690 |
| Pretax return on assets | 0.8810% | 3,416 |
| Return on Equity (ROE) | 5.0900% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.0928% | 3,009 |
| Net charge-offs to loans | 0.0136% | 1,871 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 107.9205% | 940 |
| Efficiency ratio | 65.7470% | 2,265 |
| Assets per employee ($millions) | 8.4505% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2661% | 4,561 |
| Loan loss allowance to noncurrent loans | 45.6442% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,268 |
| Noncurrent loans to loans | 0.5830% | 1,276 |
| Net loans and leases to total assets | 62.0900% | 2,427 |
| Net loans and leases to deposits | 71.6791% | 2,434 |
| Net loans and leases to core deposits | 78.8684% | 2,206 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 12.7286% | 760 |
| Core capital (leverage) ratio | 13.7710% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1286% | 213 |
| Memoranda: | ||
| Average total assets | $1,052,528,800 | 939 |
| Average earning assets | $1,001,690,200 | 905 |
| Average equity | $135,837,800 | 725 |
| Average total loans | $644,831,400 | 976 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 4,146 |
| Cost of funding earning assets | 0.4463% | 999 |
| Net interest margin | 2.3925% | 4,334 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7470% | 4,081 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5621% | 3,936 |
| Return on assets (ROA) | 0.5482% | 3,916 |
| Pretax return on assets | 0.7256% | 3,753 |
| Return on Equity (ROE) | 4.2300% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.2334% | 3,365 |
| Net charge-offs to loans | 0.0183% | 1,476 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 67.6023% | 1,116 |
| Efficiency ratio | 69.8449% | 1,780 |
| Assets per employee ($millions) | 8.5306% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2689% | 4,602 |
| Loan loss allowance to noncurrent loans | 73.9958% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 1,871 |
| Noncurrent loans to loans | 0.3633% | 1,936 |
| Net loans and leases to total assets | 61.3700% | 2,369 |
| Net loans and leases to deposits | 70.7424% | 2,305 |
| Net loans and leases to core deposits | 77.6022% | 2,066 |
| Total domestic deposits to total assets | 86.7500% | 2,839 |
| Equity capital to assets | 12.4525% | 783 |
| Core capital (leverage) ratio | 13.5081% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9931% | 221 |
| Memoranda: | ||
| Average total assets | $1,051,583,250 | 940 |
| Average earning assets | $1,001,311,250 | 915 |
| Average equity | $136,183,750 | 733 |
| Average total loans | $641,631,250 | 976 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6534% | 4,215 |
| Cost of funding earning assets | 0.4543% | 675 |
| Net interest margin | 2.1991% | 4,432 |
| Noninterest income to average assets | 0.1688% | 4,167 |
| Noninterest expense to average assets | 1.7168% | 4,117 |
| Loan and lease loss provision to assets | 0.0168% | 2,303 |
| Net operating income to assets | 0.3992% | 4,108 |
| Return on assets (ROA) | 0.3855% | 4,085 |
| Pretax return on assets | 0.5128% | 3,971 |
| Return on Equity (ROE) | 2.9389% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.9389% | 3,466 |
| Net charge-offs to loans | 0.0276% | 1,171 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 32.6136% | 1,357 |
| Efficiency ratio | 75.8397% | 1,303 |
| Assets per employee ($millions) | 8.3497% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2711% | 4,671 |
| Loan loss allowance to noncurrent loans | 91.4794% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,165 |
| Noncurrent loans to loans | 0.2964% | 2,277 |
| Net loans and leases to total assets | 61.1830% | 2,204 |
| Net loans and leases to deposits | 70.7322% | 2,136 |
| Net loans and leases to core deposits | 77.9404% | 1,854 |
| Total domestic deposits to total assets | 86.4994% | 3,112 |
| Equity capital to assets | 12.8432% | 691 |
| Core capital (leverage) ratio | 13.4130% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9701% | 192 |
| Memoranda: | ||
| Average total assets | $1,049,513,333 | 936 |
| Average earning assets | $999,768,333 | 916 |
| Average equity | $137,671,000 | 733 |
| Average total loans | $638,542,000 | 970 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5931% | 4,131 |
| Cost of funding earning assets | 0.4636% | 601 |
| Net interest margin | 2.1295% | 4,417 |
| Noninterest income to average assets | 0.1652% | 4,177 |
| Noninterest expense to average assets | 1.6973% | 4,136 |
| Loan and lease loss provision to assets | 0.0336% | 1,758 |
| Net operating income to assets | 0.3483% | 4,060 |
| Return on assets (ROA) | 0.3320% | 4,055 |
| Pretax return on assets | 0.4453% | 3,956 |
| Return on Equity (ROE) | 2.5045% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.5045% | 3,408 |
| Net charge-offs to loans | 0.0554% | 745 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 14.8750% | 1,363 |
| Efficiency ratio | 77.2625% | 1,375 |
| Assets per employee ($millions) | 8.4350% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2755% | 4,700 |
| Loan loss allowance to noncurrent loans | 89.3313% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,258 |
| Noncurrent loans to loans | 0.3084% | 2,353 |
| Net loans and leases to total assets | 60.0776% | 2,053 |
| Net loans and leases to deposits | 69.6615% | 1,991 |
| Net loans and leases to core deposits | 76.8527% | 1,717 |
| Total domestic deposits to total assets | 86.2421% | 3,179 |
| Equity capital to assets | 12.9821% | 690 |
| Core capital (leverage) ratio | 13.4413% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0957% | 188 |
| Memoranda: | ||
| Average total assets | $1,048,242,000 | 945 |
| Average earning assets | $1,000,037,500 | 919 |
| Average equity | $138,947,500 | 748 |
| Average total loans | $635,098,500 | 969 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7315% | 4,281 |
| Cost of funding earning assets | 0.6606% | 398 |
| Net interest margin | 2.0709% | 4,559 |
| Noninterest income to average assets | 0.1677% | 4,320 |
| Noninterest expense to average assets | 1.8123% | 4,123 |
| Loan and lease loss provision to assets | 0.0027% | 3,021 |
| Net operating income to assets | 0.2591% | 4,469 |
| Return on assets (ROA) | 0.2564% | 4,491 |
| Pretax return on assets | 0.3263% | 4,464 |
| Return on Equity (ROE) | 1.8597% | 4,513 |
| Retained earnings to average equity (ytd only) | 1.8597% | 4,023 |
| Net charge-offs to loans | 0.0044% | 2,442 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 778 |
| Efficiency ratio | 84.5021% | 547 |
| Assets per employee ($millions) | 8.4041% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2756% | 4,740 |
| Loan loss allowance to noncurrent loans | 88.7424% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,344 |
| Noncurrent loans to loans | 0.3105% | 2,477 |
| Net loans and leases to total assets | 60.7666% | 2,084 |
| Net loans and leases to deposits | 70.8835% | 2,033 |
| Net loans and leases to core deposits | 78.3023% | 1,734 |
| Total domestic deposits to total assets | 85.7274% | 3,008 |
| Equity capital to assets | 13.5317% | 757 |
| Core capital (leverage) ratio | 13.6922% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2919% | 195 |
| Memoranda: | ||
| Average total assets | $1,019,337,600 | 946 |
| Average earning assets | $973,104,000 | 924 |
| Average equity | $140,561,400 | 755 |
| Average total loans | $635,404,200 | 955 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7577% | 4,349 |
| Cost of funding earning assets | 0.7108% | 357 |
| Net interest margin | 2.0469% | 4,654 |
| Noninterest income to average assets | 0.1739% | 4,340 |
| Noninterest expense to average assets | 1.8906% | 3,969 |
| Loan and lease loss provision to assets | 0.0044% | 2,886 |
| Net operating income to assets | 0.1928% | 4,630 |
| Return on assets (ROA) | 0.1903% | 4,657 |
| Pretax return on assets | 0.2301% | 4,651 |
| Return on Equity (ROE) | 1.3737% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.3737% | 4,332 |
| Net charge-offs to loans | 0.0071% | 2,055 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 53.1176% | 1,208 |
| Efficiency ratio | 88.8374% | 354 |
| Assets per employee ($millions) | 8.1674% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2755% | 4,826 |
| Loan loss allowance to noncurrent loans | 77.7778% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,430 |
| Noncurrent loans to loans | 0.3542% | 2,505 |
| Net loans and leases to total assets | 62.5462% | 1,937 |
| Net loans and leases to deposits | 73.4745% | 1,907 |
| Net loans and leases to core deposits | 81.4511% | 1,616 |
| Total domestic deposits to total assets | 85.1264% | 3,073 |
| Equity capital to assets | 13.9256% | 753 |
| Core capital (leverage) ratio | 13.6332% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9717% | 212 |
| Memoranda: | ||
| Average total assets | $1,013,645,250 | 966 |
| Average earning assets | $967,738,750 | 942 |
| Average equity | $140,448,000 | 769 |
| Average total loans | $635,504,500 | 967 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7779% | 4,376 |
| Cost of funding earning assets | 0.7772% | 320 |
| Net interest margin | 2.0007% | 4,707 |
| Noninterest income to average assets | 0.1696% | 4,358 |
| Noninterest expense to average assets | 1.8453% | 4,084 |
| Loan and lease loss provision to assets | 0.0004% | 2,856 |
| Net operating income to assets | 0.2005% | 4,632 |
| Return on assets (ROA) | 0.1973% | 4,652 |
| Pretax return on assets | 0.2300% | 4,651 |
| Return on Equity (ROE) | 1.4260% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.4260% | 4,257 |
| Net charge-offs to loans | 0.0006% | 2,226 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 593.5000% | 228 |
| Efficiency ratio | 88.7403% | 378 |
| Assets per employee ($millions) | 8.1431% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2760% | 4,857 |
| Loan loss allowance to noncurrent loans | 85.8264% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,729 |
| Noncurrent loans to loans | 0.3216% | 2,765 |
| Net loans and leases to total assets | 62.1244% | 2,168 |
| Net loans and leases to deposits | 72.7427% | 2,142 |
| Net loans and leases to core deposits | 80.8585% | 1,817 |
| Total domestic deposits to total assets | 85.4029% | 2,939 |
| Equity capital to assets | 13.8484% | 744 |
| Core capital (leverage) ratio | 13.5682% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3145% | 210 |
| Memoranda: | ||
| Average total assets | $1,013,940,667 | 956 |
| Average earning assets | $967,846,333 | 934 |
| Average equity | $140,253,000 | 768 |
| Average total loans | $635,608,667 | 972 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8076% | 4,370 |
| Cost of funding earning assets | 0.8414% | 292 |
| Net interest margin | 1.9662% | 4,747 |
| Noninterest income to average assets | 0.1601% | 4,397 |
| Noninterest expense to average assets | 1.8135% | 4,189 |
| Loan and lease loss provision to assets | 0.0008% | 2,736 |
| Net operating income to assets | 0.1709% | 4,658 |
| Return on assets (ROA) | 0.1656% | 4,683 |
| Pretax return on assets | 0.2142% | 4,670 |
| Return on Equity (ROE) | 1.1980% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.1980% | 4,183 |
| Net charge-offs to loans | 0.0013% | 1,898 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 313 |
| Efficiency ratio | 89.1047% | 405 |
| Assets per employee ($millions) | 8.3370% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2760% | 4,888 |
| Loan loss allowance to noncurrent loans | 61.3820% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 2,545 |
| Noncurrent loans to loans | 0.4496% | 2,510 |
| Net loans and leases to total assets | 61.6690% | 2,321 |
| Net loans and leases to deposits | 72.1930% | 2,293 |
| Net loans and leases to core deposits | 80.9354% | 1,918 |
| Total domestic deposits to total assets | 85.4224% | 2,954 |
| Equity capital to assets | 13.7285% | 733 |
| Core capital (leverage) ratio | 13.6838% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6328% | 222 |
| Memoranda: | ||
| Average total assets | $1,011,970,000 | 946 |
| Average earning assets | $965,094,500 | 923 |
| Average equity | $139,899,500 | 763 |
| Average total loans | $636,361,500 | 967 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 4,551 |
| Cost of funding earning assets | 0.9769% | 652 |
| Net interest margin | 2.1389% | 4,791 |
| Noninterest income to average assets | 0.1552% | 4,515 |
| Noninterest expense to average assets | 1.9296% | 4,265 |
| Loan and lease loss provision to assets | 0.0103% | 4,232 |
| Net operating income to assets | 0.1939% | 4,579 |
| Return on assets (ROA) | 0.1920% | 4,644 |
| Pretax return on assets | 0.2488% | 4,604 |
| Return on Equity (ROE) | 1.3522% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.3522% | 4,087 |
| Net charge-offs to loans | 0.0158% | 2,786 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 25.4300% | 1,743 |
| Efficiency ratio | 88.0678% | 445 |
| Assets per employee ($millions) | 7.9879% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2740% | 4,912 |
| Loan loss allowance to noncurrent loans | 45.3956% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,297 |
| Noncurrent loans to loans | 0.6037% | 2,187 |
| Net loans and leases to total assets | 63.7801% | 2,390 |
| Net loans and leases to deposits | 74.9756% | 2,383 |
| Net loans and leases to core deposits | 84.2272% | 2,016 |
| Total domestic deposits to total assets | 85.0678% | 2,734 |
| Equity capital to assets | 13.9231% | 815 |
| Core capital (leverage) ratio | 13.9137% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6198% | 223 |
| Memoranda: | ||
| Average total assets | $972,686,800 | 902 |
| Average earning assets | $925,782,600 | 884 |
| Average equity | $138,140,400 | 732 |
| Average total loans | $631,259,400 | 934 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 4,609 |
| Cost of funding earning assets | 0.9922% | 781 |
| Net interest margin | 2.1913% | 4,822 |
| Noninterest income to average assets | 0.1497% | 4,554 |
| Noninterest expense to average assets | 1.9621% | 4,231 |
| Loan and lease loss provision to assets | 0.0138% | 4,145 |
| Net operating income to assets | 0.2044% | 4,585 |
| Return on assets (ROA) | 0.2023% | 4,632 |
| Pretax return on assets | 0.2562% | 4,599 |
| Return on Equity (ROE) | 1.4172% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.4172% | 4,105 |
| Net charge-offs to loans | 0.0212% | 2,433 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 19.7600% | 1,928 |
| Efficiency ratio | 87.7987% | 424 |
| Assets per employee ($millions) | 7.9994% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2753% | 4,940 |
| Loan loss allowance to noncurrent loans | 44.1362% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,283 |
| Noncurrent loans to loans | 0.6238% | 2,238 |
| Net loans and leases to total assets | 64.4248% | 2,716 |
| Net loans and leases to deposits | 76.1080% | 2,741 |
| Net loans and leases to core deposits | 85.6155% | 2,332 |
| Total domestic deposits to total assets | 84.6491% | 2,573 |
| Equity capital to assets | 14.1136% | 821 |
| Core capital (leverage) ratio | 13.9395% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7339% | 229 |
| Memoranda: | ||
| Average total assets | $966,236,750 | 898 |
| Average earning assets | $919,390,500 | 871 |
| Average equity | $137,920,500 | 720 |
| Average total loans | $629,427,750 | 935 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 4,683 |
| Cost of funding earning assets | 1.0025% | 981 |
| Net interest margin | 2.2487% | 4,857 |
| Noninterest income to average assets | 0.1402% | 4,599 |
| Noninterest expense to average assets | 1.9470% | 4,334 |
| Loan and lease loss provision to assets | 0.0054% | 4,108 |
| Net operating income to assets | 0.2564% | 4,500 |
| Return on assets (ROA) | 0.2564% | 4,541 |
| Pretax return on assets | 0.3268% | 4,502 |
| Return on Equity (ROE) | 1.7892% | 4,566 |
| Retained earnings to average equity (ytd only) | 1.7892% | 3,837 |
| Net charge-offs to loans | 0.0083% | 2,650 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 61.3462% | 949 |
| Efficiency ratio | 85.4258% | 566 |
| Assets per employee ($millions) | 8.0578% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 4,967 |
| Loan loss allowance to noncurrent loans | 44.6999% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 2,472 |
| Noncurrent loans to loans | 0.6228% | 2,303 |
| Net loans and leases to total assets | 63.7679% | 2,910 |
| Net loans and leases to deposits | 75.1664% | 2,956 |
| Net loans and leases to core deposits | 84.4980% | 2,570 |
| Total domestic deposits to total assets | 84.8356% | 2,454 |
| Equity capital to assets | 14.1216% | 831 |
| Core capital (leverage) ratio | 14.0371% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3724% | 226 |
| Memoranda: | ||
| Average total assets | $960,341,000 | 888 |
| Average earning assets | $913,513,667 | 865 |
| Average equity | $137,605,000 | 713 |
| Average total loans | $627,356,667 | 933 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 4,729 |
| Cost of funding earning assets | 1.0292% | 1,299 |
| Net interest margin | 2.3742% | 4,891 |
| Noninterest income to average assets | 0.1361% | 4,685 |
| Noninterest expense to average assets | 1.9140% | 4,524 |
| Loan and lease loss provision to assets | 0.0110% | 3,638 |
| Net operating income to assets | 0.3486% | 4,246 |
| Return on assets (ROA) | 0.3486% | 4,278 |
| Pretax return on assets | 0.4679% | 4,175 |
| Return on Equity (ROE) | 2.4147% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.4147% | 3,302 |
| Net charge-offs to loans | 0.0166% | 2,040 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 43.6923% | 984 |
| Efficiency ratio | 79.9894% | 1,138 |
| Assets per employee ($millions) | 7.9303% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2797% | 5,002 |
| Loan loss allowance to noncurrent loans | 59.1616% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 2,921 |
| Noncurrent loans to loans | 0.4727% | 2,832 |
| Net loans and leases to total assets | 65.0270% | 2,940 |
| Net loans and leases to deposits | 77.0089% | 2,977 |
| Net loans and leases to core deposits | 86.4680% | 2,645 |
| Total domestic deposits to total assets | 84.4409% | 2,619 |
| Equity capital to assets | 14.4215% | 918 |
| Core capital (leverage) ratio | 14.3956% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6287% | 240 |
| Memoranda: | ||
| Average total assets | $948,984,500 | 868 |
| Average earning assets | $902,032,000 | 843 |
| Average equity | $136,996,000 | 707 |
| Average total loans | $626,723,500 | 904 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5905% | 4,788 |
| Cost of funding earning assets | 0.9606% | 1,905 |
| Net interest margin | 2.6299% | 4,886 |
| Noninterest income to average assets | 0.1562% | 4,707 |
| Noninterest expense to average assets | 2.0177% | 4,506 |
| Loan and lease loss provision to assets | 0.0243% | 3,536 |
| Net operating income to assets | 0.4454% | 4,512 |
| Return on assets (ROA) | 0.4454% | 4,545 |
| Pretax return on assets | 0.6233% | 4,374 |
| Return on Equity (ROE) | 3.1230% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.1230% | 3,461 |
| Net charge-offs to loans | 0.0361% | 2,660 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 26.6770% | 1,692 |
| Efficiency ratio | 75.7023% | 1,400 |
| Assets per employee ($millions) | 7.5677% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2788% | 5,051 |
| Loan loss allowance to noncurrent loans | 49.7583% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 2,528 |
| Noncurrent loans to loans | 0.5603% | 2,496 |
| Net loans and leases to total assets | 66.7059% | 2,874 |
| Net loans and leases to deposits | 78.9111% | 2,913 |
| Net loans and leases to core deposits | 88.5868% | 2,557 |
| Total domestic deposits to total assets | 84.5330% | 2,668 |
| Equity capital to assets | 14.4509% | 947 |
| Core capital (leverage) ratio | 14.5247% | 796 |
| Tier 1 risk-based capital ratio | 32.1118% | 416 |
| Total risk-based capital ratio | 32.5265% | 429 |
| Memoranda: | ||
| Average total assets | $930,969,200 | 839 |
| Average earning assets | $888,209,600 | 813 |
| Average equity | $132,789,400 | 693 |
| Average total loans | $625,726,400 | 880 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,869 |
| Cost of funding earning assets | 0.9398% | 2,041 |
| Net interest margin | 2.6771% | 4,956 |
| Noninterest income to average assets | 0.1546% | 4,775 |
| Noninterest expense to average assets | 2.0009% | 4,550 |
| Loan and lease loss provision to assets | 0.0274% | 3,354 |
| Net operating income to assets | 0.4822% | 4,565 |
| Return on assets (ROA) | 0.4822% | 4,604 |
| Pretax return on assets | 0.6811% | 4,385 |
| Return on Equity (ROE) | 3.3917% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.3917% | 3,709 |
| Net charge-offs to loans | 0.0407% | 2,276 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 25.8482% | 1,761 |
| Efficiency ratio | 73.8506% | 1,591 |
| Assets per employee ($millions) | 7.6268% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2809% | 5,125 |
| Loan loss allowance to noncurrent loans | 51.0949% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 2,640 |
| Noncurrent loans to loans | 0.5498% | 2,648 |
| Net loans and leases to total assets | 66.7568% | 2,951 |
| Net loans and leases to deposits | 79.2065% | 2,990 |
| Net loans and leases to core deposits | 88.7114% | 2,664 |
| Total domestic deposits to total assets | 84.2821% | 2,720 |
| Equity capital to assets | 14.4935% | 981 |
| Core capital (leverage) ratio | 14.5189% | 850 |
| Tier 1 risk-based capital ratio | 32.8833% | 404 |
| Total risk-based capital ratio | 33.3105% | 416 |
| Memoranda: | ||
| Average total assets | $929,112,000 | 842 |
| Average earning assets | $886,655,500 | 813 |
| Average equity | $132,085,000 | 693 |
| Average total loans | $625,228,750 | 881 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 4,920 |
| Cost of funding earning assets | 0.9157% | 2,073 |
| Net interest margin | 2.6983% | 5,004 |
| Noninterest income to average assets | 0.1415% | 4,864 |
| Noninterest expense to average assets | 1.9557% | 4,677 |
| Loan and lease loss provision to assets | 0.0183% | 3,420 |
| Net operating income to assets | 0.5283% | 4,463 |
| Return on assets (ROA) | 0.5283% | 4,491 |
| Pretax return on assets | 0.7426% | 4,230 |
| Return on Equity (ROE) | 3.7404% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.7404% | 3,387 |
| Net charge-offs to loans | 0.0272% | 2,311 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 41.5647% | 1,222 |
| Efficiency ratio | 71.9914% | 1,921 |
| Assets per employee ($millions) | 7.6176% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2812% | 5,187 |
| Loan loss allowance to noncurrent loans | 47.4898% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 2,807 |
| Noncurrent loans to loans | 0.5921% | 2,496 |
| Net loans and leases to total assets | 66.7766% | 3,008 |
| Net loans and leases to deposits | 78.9390% | 3,067 |
| Net loans and leases to core deposits | 88.1087% | 2,786 |
| Total domestic deposits to total assets | 84.5926% | 2,644 |
| Equity capital to assets | 14.3902% | 988 |
| Core capital (leverage) ratio | 14.4007% | 852 |
| Tier 1 risk-based capital ratio | 32.2952% | 412 |
| Total risk-based capital ratio | 32.7176% | 427 |
| Memoranda: | ||
| Average total assets | $928,661,000 | 839 |
| Average earning assets | $886,278,000 | 808 |
| Average equity | $131,161,000 | 695 |
| Average total loans | $626,005,330 | 881 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 4,966 |
| Cost of funding earning assets | 0.8826% | 2,079 |
| Net interest margin | 2.7219% | 5,046 |
| Noninterest income to average assets | 0.1280% | 4,964 |
| Noninterest expense to average assets | 1.9532% | 4,726 |
| Loan and lease loss provision to assets | 0.0060% | 3,351 |
| Net operating income to assets | 0.5748% | 4,316 |
| Return on assets (ROA) | 0.5748% | 4,350 |
| Pretax return on assets | 0.7653% | 4,131 |
| Return on Equity (ROE) | 4.1086% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.1086% | 3,272 |
| Net charge-offs to loans | 0.0089% | 2,375 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 127.8571% | 565 |
| Efficiency ratio | 71.6907% | 2,081 |
| Assets per employee ($millions) | 7.5177% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2792% | 5,252 |
| Loan loss allowance to noncurrent loans | 46.0648% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 2,927 |
| Noncurrent loans to loans | 0.6061% | 2,521 |
| Net loans and leases to total assets | 66.5141% | 2,973 |
| Net loans and leases to deposits | 78.3868% | 3,021 |
| Net loans and leases to core deposits | 87.0634% | 2,772 |
| Total domestic deposits to total assets | 84.8537% | 2,731 |
| Equity capital to assets | 13.9453% | 1,059 |
| Core capital (leverage) ratio | 14.3335% | 857 |
| Tier 1 risk-based capital ratio | 31.4851% | 427 |
| Total risk-based capital ratio | 31.9007% | 442 |
| Memoranda: | ||
| Average total assets | $928,320,500 | 840 |
| Average earning assets | $885,545,000 | 813 |
| Average equity | $129,874,500 | 701 |
| Average total loans | $627,841,500 | 883 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 4,820 |
| Cost of funding earning assets | 0.7735% | 1,669 |
| Net interest margin | 2.8083% | 5,016 |
| Noninterest income to average assets | 0.1478% | 4,970 |
| Noninterest expense to average assets | 2.0604% | 4,631 |
| Loan and lease loss provision to assets | 0.0275% | 3,626 |
| Net operating income to assets | 0.5789% | 4,472 |
| Return on assets (ROA) | 0.5789% | 4,479 |
| Pretax return on assets | 0.7326% | 4,334 |
| Return on Equity (ROE) | 4.1628% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,269 |
| Net charge-offs to loans | 0.0397% | 2,609 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 27.6573% | 1,682 |
| Efficiency ratio | 73.0523% | 1,755 |
| Assets per employee ($millions) | 7.5158% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2783% | 5,292 |
| Loan loss allowance to noncurrent loans | 41.3223% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 2,565 |
| Noncurrent loans to loans | 0.6734% | 2,312 |
| Net loans and leases to total assets | 68.3959% | 2,821 |
| Net loans and leases to deposits | 80.5830% | 2,892 |
| Net loans and leases to core deposits | 89.3999% | 2,619 |
| Total domestic deposits to total assets | 84.8764% | 2,694 |
| Equity capital to assets | 14.0364% | 961 |
| Core capital (leverage) ratio | 14.4841% | 801 |
| Tier 1 risk-based capital ratio | 30.8875% | 430 |
| Total risk-based capital ratio | 31.3000% | 466 |
| Memoranda: | ||
| Average total assets | $902,458,200 | 843 |
| Average earning assets | $858,844,200 | 817 |
| Average equity | $125,491,200 | 689 |
| Average total loans | $625,098,000 | 863 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,846 |
| Cost of funding earning assets | 0.7737% | 1,454 |
| Net interest margin | 2.7999% | 5,088 |
| Noninterest income to average assets | 0.1424% | 5,062 |
| Noninterest expense to average assets | 2.0463% | 4,651 |
| Loan and lease loss provision to assets | 0.0255% | 3,504 |
| Net operating income to assets | 0.5898% | 4,527 |
| Return on assets (ROA) | 0.5898% | 4,536 |
| Pretax return on assets | 0.7344% | 4,459 |
| Return on Equity (ROE) | 4.2516% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.2516% | 3,647 |
| Net charge-offs to loans | 0.0367% | 2,340 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 29.7846% | 1,618 |
| Efficiency ratio | 72.9200% | 1,744 |
| Assets per employee ($millions) | 7.3953% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2789% | 5,367 |
| Loan loss allowance to noncurrent loans | 44.2814% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,650 |
| Noncurrent loans to loans | 0.6299% | 2,508 |
| Net loans and leases to total assets | 69.9138% | 2,664 |
| Net loans and leases to deposits | 82.6656% | 2,749 |
| Net loans and leases to core deposits | 91.0199% | 2,558 |
| Total domestic deposits to total assets | 84.5742% | 2,773 |
| Equity capital to assets | 14.0867% | 933 |
| Core capital (leverage) ratio | 14.3291% | 856 |
| Tier 1 risk-based capital ratio | 30.9456% | 434 |
| Total risk-based capital ratio | 31.3636% | 462 |
| Memoranda: | ||
| Average total assets | $898,839,500 | 848 |
| Average earning assets | $855,139,500 | 821 |
| Average equity | $124,688,000 | 689 |
| Average total loans | $624,148,750 | 864 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,861 |
| Cost of funding earning assets | 0.7690% | 1,284 |
| Net interest margin | 2.7720% | 5,153 |
| Noninterest income to average assets | 0.1340% | 5,140 |
| Noninterest expense to average assets | 2.0132% | 4,775 |
| Loan and lease loss provision to assets | 0.0284% | 3,343 |
| Net operating income to assets | 0.6043% | 4,483 |
| Return on assets (ROA) | 0.6043% | 4,487 |
| Pretax return on assets | 0.7299% | 4,438 |
| Return on Equity (ROE) | 4.3789% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.3789% | 3,410 |
| Net charge-offs to loans | 0.0411% | 2,039 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 26.6641% | 1,594 |
| Efficiency ratio | 72.6391% | 1,897 |
| Assets per employee ($millions) | 7.4007% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2809% | 5,426 |
| Loan loss allowance to noncurrent loans | 37.7481% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 2,503 |
| Noncurrent loans to loans | 0.7442% | 2,244 |
| Net loans and leases to total assets | 68.8055% | 2,752 |
| Net loans and leases to deposits | 80.9210% | 2,863 |
| Net loans and leases to core deposits | 89.2345% | 2,628 |
| Total domestic deposits to total assets | 85.0280% | 2,659 |
| Equity capital to assets | 13.8788% | 963 |
| Core capital (leverage) ratio | 14.1997% | 852 |
| Tier 1 risk-based capital ratio | 30.7246% | 451 |
| Total risk-based capital ratio | 31.1433% | 475 |
| Memoranda: | ||
| Average total assets | $900,176,670 | 846 |
| Average earning assets | $856,485,000 | 825 |
| Average equity | $124,233,330 | 692 |
| Average total loans | $623,079,000 | 867 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 4,854 |
| Cost of funding earning assets | 0.7617% | 1,135 |
| Net interest margin | 2.7539% | 5,207 |
| Noninterest income to average assets | 0.1090% | 5,294 |
| Noninterest expense to average assets | 2.0338% | 4,785 |
| Loan and lease loss provision to assets | 0.0369% | 3,007 |
| Net operating income to assets | 0.4967% | 4,703 |
| Return on assets (ROA) | 0.4967% | 4,711 |
| Pretax return on assets | 0.6578% | 4,550 |
| Return on Equity (ROE) | 3.6089% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.6089% | 3,760 |
| Net charge-offs to loans | 0.0533% | 1,573 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 18.8072% | 1,525 |
| Efficiency ratio | 74.5392% | 1,814 |
| Assets per employee ($millions) | 7.4823% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2813% | 5,493 |
| Loan loss allowance to noncurrent loans | 37.4171% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,603 |
| Noncurrent loans to loans | 0.7519% | 2,324 |
| Net loans and leases to total assets | 68.5126% | 2,696 |
| Net loans and leases to deposits | 80.5921% | 2,740 |
| Net loans and leases to core deposits | 88.8388% | 2,560 |
| Total domestic deposits to total assets | 85.0115% | 2,926 |
| Equity capital to assets | 13.6469% | 998 |
| Core capital (leverage) ratio | 14.1179% | 850 |
| Tier 1 risk-based capital ratio | 30.2207% | 464 |
| Total risk-based capital ratio | 30.6388% | 489 |
| Memoranda: | ||
| Average total assets | $898,821,500 | 857 |
| Average earning assets | $854,934,500 | 832 |
| Average equity | $123,695,000 | 694 |
| Average total loans | $623,125,500 | 872 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 4,795 |
| Cost of funding earning assets | 0.8053% | 598 |
| Net interest margin | 2.6891% | 5,283 |
| Noninterest income to average assets | 0.1433% | 5,228 |
| Noninterest expense to average assets | 2.0005% | 4,959 |
| Loan and lease loss provision to assets | 0.0236% | 3,825 |
| Net operating income to assets | 0.2556% | 5,012 |
| Return on assets (ROA) | 0.2556% | 5,026 |
| Pretax return on assets | 0.6766% | 4,566 |
| Return on Equity (ROE) | 1.8530% | 5,089 |
| Retained earnings to average equity (ytd only) | 1.8530% | 4,204 |
| Net charge-offs to loans | 0.0341% | 3,108 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 29.6635% | 1,560 |
| Efficiency ratio | 74.0742% | 1,883 |
| Assets per employee ($millions) | 7.4357% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2804% | 5,557 |
| Loan loss allowance to noncurrent loans | 40.7451% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,673 |
| Noncurrent loans to loans | 0.6881% | 2,498 |
| Net loans and leases to total assets | 69.7610% | 2,557 |
| Net loans and leases to deposits | 82.1177% | 2,706 |
| Net loans and leases to core deposits | 90.5434% | 2,510 |
| Total domestic deposits to total assets | 84.9524% | 2,851 |
| Equity capital to assets | 13.8786% | 944 |
| Core capital (leverage) ratio | 14.0968% | 816 |
| Tier 1 risk-based capital ratio | 30.0266% | 460 |
| Total risk-based capital ratio | 30.4446% | 483 |
| Memoranda: | ||
| Average total assets | $893,904,600 | 838 |
| Average earning assets | $850,147,400 | 809 |
| Average equity | $123,311,200 | 666 |
| Average total loans | $618,694,000 | 849 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 4,833 |
| Cost of funding earning assets | 0.8134% | 528 |
| Net interest margin | 2.6747% | 5,350 |
| Noninterest income to average assets | 0.1443% | 5,288 |
| Noninterest expense to average assets | 2.0491% | 4,848 |
| Loan and lease loss provision to assets | 0.0283% | 3,565 |
| Net operating income to assets | 0.3945% | 5,008 |
| Return on assets (ROA) | 0.3945% | 5,041 |
| Pretax return on assets | 0.6108% | 4,822 |
| Return on Equity (ROE) | 2.8640% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.8640% | 4,200 |
| Net charge-offs to loans | 0.0410% | 2,615 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 22.5629% | 1,857 |
| Efficiency ratio | 76.2243% | 1,558 |
| Assets per employee ($millions) | 7.5655% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2818% | 5,626 |
| Loan loss allowance to noncurrent loans | 44.3599% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 3,020 |
| Noncurrent loans to loans | 0.6354% | 2,802 |
| Net loans and leases to total assets | 69.3555% | 2,652 |
| Net loans and leases to deposits | 81.9576% | 2,779 |
| Net loans and leases to core deposits | 90.2521% | 2,587 |
| Total domestic deposits to total assets | 84.6236% | 2,875 |
| Equity capital to assets | 13.9884% | 999 |
| Core capital (leverage) ratio | 14.1088% | 866 |
| Tier 1 risk-based capital ratio | 30.2532% | 470 |
| Total risk-based capital ratio | 30.6730% | 494 |
| Memoranda: | ||
| Average total assets | $894,309,000 | 843 |
| Average earning assets | $850,555,750 | 814 |
| Average equity | $123,179,750 | 669 |
| Average total loans | $617,313,000 | 853 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 4,812 |
| Cost of funding earning assets | 0.8200% | 473 |
| Net interest margin | 2.6606% | 5,401 |
| Noninterest income to average assets | 0.1354% | 5,375 |
| Noninterest expense to average assets | 2.0712% | 4,826 |
| Loan and lease loss provision to assets | 0.0425% | 3,147 |
| Net operating income to assets | 0.3543% | 5,084 |
| Return on assets (ROA) | 0.3543% | 5,108 |
| Pretax return on assets | 0.5521% | 4,902 |
| Return on Equity (ROE) | 2.5854% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.5854% | 4,146 |
| Net charge-offs to loans | 0.0617% | 2,041 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,098 |
| Efficiency ratio | 77.6977% | 1,508 |
| Assets per employee ($millions) | 7.1941% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2831% | 5,673 |
| Loan loss allowance to noncurrent loans | 45.7636% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,164 |
| Noncurrent loans to loans | 0.6186% | 2,879 |
| Net loans and leases to total assets | 69.0966% | 2,651 |
| Net loans and leases to deposits | 81.2934% | 2,767 |
| Net loans and leases to core deposits | 89.7948% | 2,546 |
| Total domestic deposits to total assets | 84.9967% | 2,810 |
| Equity capital to assets | 13.8727% | 1,012 |
| Core capital (leverage) ratio | 13.9484% | 883 |
| Tier 1 risk-based capital ratio | 30.1065% | 462 |
| Total risk-based capital ratio | 30.5278% | 493 |
| Memoranda: | ||
| Average total assets | $894,837,330 | 847 |
| Average earning assets | $851,025,000 | 817 |
| Average equity | $122,613,670 | 675 |
| Average total loans | $616,116,330 | 858 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 4,853 |
| Cost of funding earning assets | 0.8210% | 437 |
| Net interest margin | 2.6197% | 5,455 |
| Noninterest income to average assets | 0.1393% | 5,417 |
| Noninterest expense to average assets | 2.0017% | 5,047 |
| Loan and lease loss provision to assets | 0.0705% | 2,395 |
| Net operating income to assets | 0.3678% | 5,031 |
| Return on assets (ROA) | 0.3678% | 5,053 |
| Pretax return on assets | 0.5579% | 4,823 |
| Return on Equity (ROE) | 2.7007% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.7007% | 4,058 |
| Net charge-offs to loans | 0.1027% | 1,350 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 8.9114% | 2,029 |
| Efficiency ratio | 76.1072% | 1,887 |
| Assets per employee ($millions) | 7.3356% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2842% | 5,748 |
| Loan loss allowance to noncurrent loans | 43.0716% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 3,260 |
| Noncurrent loans to loans | 0.6598% | 2,851 |
| Net loans and leases to total assets | 68.0526% | 2,675 |
| Net loans and leases to deposits | 80.0072% | 2,755 |
| Net loans and leases to core deposits | 88.0488% | 2,540 |
| Total domestic deposits to total assets | 85.0581% | 3,063 |
| Equity capital to assets | 13.6239% | 1,031 |
| Core capital (leverage) ratio | 13.9601% | 857 |
| Tier 1 risk-based capital ratio | 29.8537% | 487 |
| Total risk-based capital ratio | 30.2741% | 505 |
| Memoranda: | ||
| Average total assets | $896,222,000 | 848 |
| Average earning assets | $852,153,000 | 820 |
| Average equity | $122,043,500 | 675 |
| Average total loans | $615,105,000 | 855 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 4,733 |
| Cost of funding earning assets | 0.9486% | 231 |
| Net interest margin | 2.5717% | 5,540 |
| Noninterest income to average assets | 0.1543% | 5,439 |
| Noninterest expense to average assets | 2.0153% | 5,158 |
| Loan and lease loss provision to assets | 0.0102% | 4,172 |
| Net operating income to assets | 0.3633% | 5,050 |
| Return on assets (ROA) | 0.3633% | 5,130 |
| Pretax return on assets | 0.5757% | 4,857 |
| Return on Equity (ROE) | 2.6826% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.6826% | 3,997 |
| Net charge-offs to loans | 0.0149% | 3,797 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 57.4945% | 923 |
| Efficiency ratio | 77.4764% | 1,777 |
| Assets per employee ($millions) | 7.2371% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2848% | 5,803 |
| Loan loss allowance to noncurrent loans | 45.9800% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 3,364 |
| Noncurrent loans to loans | 0.6194% | 2,992 |
| Net loans and leases to total assets | 68.8284% | 2,644 |
| Net loans and leases to deposits | 80.8691% | 2,792 |
| Net loans and leases to core deposits | 89.4760% | 2,553 |
| Total domestic deposits to total assets | 85.1109% | 3,000 |
| Equity capital to assets | 13.6111% | 1,006 |
| Core capital (leverage) ratio | 13.8946% | 845 |
| Tier 1 risk-based capital ratio | 29.8502% | 484 |
| Total risk-based capital ratio | 30.2733% | 508 |
| Memoranda: | ||
| Average total assets | $893,001,800 | 813 |
| Average earning assets | $849,669,800 | 770 |
| Average equity | $120,926,000 | 661 |
| Average total loans | $611,980,000 | 815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,742 |
| Cost of funding earning assets | 0.9689% | 204 |
| Net interest margin | 2.5551% | 5,622 |
| Noninterest income to average assets | 0.1465% | 5,528 |
| Noninterest expense to average assets | 2.0224% | 5,158 |
| Loan and lease loss provision to assets | 0.0112% | 4,020 |
| Net operating income to assets | 0.3382% | 5,191 |
| Return on assets (ROA) | 0.3382% | 5,271 |
| Pretax return on assets | 0.5451% | 5,017 |
| Return on Equity (ROE) | 2.5008% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.5008% | 4,421 |
| Net charge-offs to loans | 0.0164% | 3,399 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 49.7188% | 1,076 |
| Efficiency ratio | 78.4264% | 1,631 |
| Assets per employee ($millions) | 7.4978% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2856% | 5,864 |
| Loan loss allowance to noncurrent loans | 54.6022% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,769 |
| Noncurrent loans to loans | 0.5231% | 3,427 |
| Net loans and leases to total assets | 68.4705% | 2,728 |
| Net loans and leases to deposits | 80.7804% | 2,878 |
| Net loans and leases to core deposits | 90.0811% | 2,569 |
| Total domestic deposits to total assets | 84.7612% | 2,907 |
| Equity capital to assets | 13.7107% | 1,160 |
| Core capital (leverage) ratio | 13.7099% | 940 |
| Tier 1 risk-based capital ratio | 29.7254% | 490 |
| Total risk-based capital ratio | 30.1500% | 524 |
| Memoranda: | ||
| Average total assets | $893,711,000 | 808 |
| Average earning assets | $850,737,750 | 772 |
| Average equity | $120,867,250 | 665 |
| Average total loans | $611,366,000 | 812 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 4,798 |
| Cost of funding earning assets | 0.9748% | 194 |
| Net interest margin | 2.5516% | 5,708 |
| Noninterest income to average assets | 0.1461% | 5,576 |
| Noninterest expense to average assets | 1.9868% | 5,299 |
| Loan and lease loss provision to assets | 0.0166% | 3,782 |
| Net operating income to assets | 0.3802% | 5,092 |
| Return on assets (ROA) | 0.3802% | 5,175 |
| Pretax return on assets | 0.5712% | 4,971 |
| Return on Equity (ROE) | 2.8244% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.8244% | 4,102 |
| Net charge-offs to loans | 0.0242% | 3,001 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 35.5135% | 1,250 |
| Efficiency ratio | 77.1697% | 1,904 |
| Assets per employee ($millions) | 7.3406% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2856% | 5,943 |
| Loan loss allowance to noncurrent loans | 45.5137% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 3,603 |
| Noncurrent loans to loans | 0.6275% | 3,195 |
| Net loans and leases to total assets | 68.2269% | 2,747 |
| Net loans and leases to deposits | 80.1472% | 2,914 |
| Net loans and leases to core deposits | 89.4826% | 2,588 |
| Total domestic deposits to total assets | 85.1270% | 2,811 |
| Equity capital to assets | 13.6277% | 1,171 |
| Core capital (leverage) ratio | 13.6198% | 943 |
| Tier 1 risk-based capital ratio | 29.4543% | 521 |
| Total risk-based capital ratio | 29.8770% | 549 |
| Memoranda: | ||
| Average total assets | $894,202,330 | 808 |
| Average earning assets | $851,061,000 | 771 |
| Average equity | $120,379,000 | 663 |
| Average total loans | $610,931,670 | 812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 4,828 |
| Cost of funding earning assets | 0.9896% | 180 |
| Net interest margin | 2.5358% | 5,776 |
| Noninterest income to average assets | 0.1410% | 5,645 |
| Noninterest expense to average assets | 1.9536% | 5,423 |
| Loan and lease loss provision to assets | 0.0121% | 3,531 |
| Net operating income to assets | 0.3917% | 5,019 |
| Return on assets (ROA) | 0.3917% | 5,095 |
| Pretax return on assets | 0.5878% | 4,854 |
| Return on Equity (ROE) | 2.9277% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.9277% | 4,051 |
| Net charge-offs to loans | 0.0177% | 2,583 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 49.6296% | 889 |
| Efficiency ratio | 76.5077% | 2,105 |
| Assets per employee ($millions) | 7.5413% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2869% | 6,012 |
| Loan loss allowance to noncurrent loans | 43.7828% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,652 |
| Noncurrent loans to loans | 0.6553% | 3,207 |
| Net loans and leases to total assets | 67.7685% | 2,679 |
| Net loans and leases to deposits | 79.6089% | 2,851 |
| Net loans and leases to core deposits | 88.5495% | 2,510 |
| Total domestic deposits to total assets | 85.1268% | 3,076 |
| Equity capital to assets | 13.4547% | 1,192 |
| Core capital (leverage) ratio | 13.5805% | 952 |
| Tier 1 risk-based capital ratio | 29.2423% | 536 |
| Total risk-based capital ratio | 29.6648% | 569 |
| Memoranda: | ||
| Average total assets | $893,527,000 | 812 |
| Average earning assets | $850,067,000 | 780 |
| Average equity | $119,547,000 | 673 |
| Average total loans | $610,018,500 | 813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 4,828 |
| Cost of funding earning assets | 1.0935% | 108 |
| Net interest margin | 2.4429% | 5,866 |
| Noninterest income to average assets | 0.1644% | 5,595 |
| Noninterest expense to average assets | 1.9078% | 5,607 |
| Loan and lease loss provision to assets | 0.0042% | 4,310 |
| Net operating income to assets | 0.3903% | 5,083 |
| Return on assets (ROA) | 0.3903% | 5,162 |
| Pretax return on assets | 0.5800% | 4,900 |
| Return on Equity (ROE) | 2.9866% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.9866% | 3,938 |
| Net charge-offs to loans | 0.0063% | 4,233 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 138.3421% | 448 |
| Efficiency ratio | 76.5553% | 2,185 |
| Assets per employee ($millions) | 7.4136% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2868% | 6,063 |
| Loan loss allowance to noncurrent loans | 49.0333% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 3,874 |
| Noncurrent loans to loans | 0.5850% | 3,420 |
| Net loans and leases to total assets | 68.3842% | 2,646 |
| Net loans and leases to deposits | 80.0360% | 2,818 |
| Net loans and leases to core deposits | 89.2782% | 2,470 |
| Total domestic deposits to total assets | 85.4418% | 2,887 |
| Equity capital to assets | 13.3031% | 1,211 |
| Core capital (leverage) ratio | 13.4863% | 975 |
| Tier 1 risk-based capital ratio | 28.9083% | 558 |
| Total risk-based capital ratio | 29.3290% | 588 |
| Memoranda: | ||
| Average total assets | $899,778,400 | 763 |
| Average earning assets | $857,331,600 | 739 |
| Average equity | $117,591,800 | 651 |
| Average total loans | $603,943,800 | 772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 4,895 |
| Cost of funding earning assets | 1.1134% | 93 |
| Net interest margin | 2.4233% | 5,964 |
| Noninterest income to average assets | 0.1627% | 5,669 |
| Noninterest expense to average assets | 1.8800% | 5,667 |
| Loan and lease loss provision to assets | 0.0056% | 4,155 |
| Net operating income to assets | 0.3939% | 5,182 |
| Return on assets (ROA) | 0.3939% | 5,275 |
| Pretax return on assets | 0.5875% | 5,005 |
| Return on Equity (ROE) | 3.0277% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.0277% | 4,284 |
| Net charge-offs to loans | 0.0084% | 3,873 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 105.6221% | 594 |
| Efficiency ratio | 76.0172% | 2,249 |
| Assets per employee ($millions) | 7.5144% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2890% | 6,150 |
| Loan loss allowance to noncurrent loans | 59.2818% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,335 |
| Noncurrent loans to loans | 0.4874% | 3,896 |
| Net loans and leases to total assets | 67.5336% | 2,765 |
| Net loans and leases to deposits | 79.2245% | 2,965 |
| Net loans and leases to core deposits | 88.3546% | 2,629 |
| Total domestic deposits to total assets | 85.2434% | 2,912 |
| Equity capital to assets | 13.2559% | 1,327 |
| Core capital (leverage) ratio | 13.2811% | 1,101 |
| Tier 1 risk-based capital ratio | 28.8886% | 577 |
| Total risk-based capital ratio | 29.3120% | 604 |
| Memoranda: | ||
| Average total assets | $902,314,500 | 770 |
| Average earning assets | $860,306,250 | 744 |
| Average equity | $117,402,500 | 656 |
| Average total loans | $602,400,000 | 779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,898 |
| Cost of funding earning assets | 1.1296% | 81 |
| Net interest margin | 2.4048% | 6,038 |
| Noninterest income to average assets | 0.1730% | 5,664 |
| Noninterest expense to average assets | 1.8207% | 5,821 |
| Loan and lease loss provision to assets | 0.0073% | 3,961 |
| Net operating income to assets | 0.4256% | 5,059 |
| Return on assets (ROA) | 0.4256% | 5,163 |
| Pretax return on assets | 0.6384% | 4,866 |
| Return on Equity (ROE) | 3.2916% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.2916% | 3,953 |
| Net charge-offs to loans | 0.0110% | 3,524 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 88.5455% | 655 |
| Efficiency ratio | 73.8196% | 2,700 |
| Assets per employee ($millions) | 7.5945% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2916% | 6,220 |
| Loan loss allowance to noncurrent loans | 71.6626% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 4,659 |
| Noncurrent loans to loans | 0.4069% | 4,258 |
| Net loans and leases to total assets | 66.2062% | 2,916 |
| Net loans and leases to deposits | 77.1212% | 3,142 |
| Net loans and leases to core deposits | 85.9567% | 2,771 |
| Total domestic deposits to total assets | 85.8470% | 2,774 |
| Equity capital to assets | 12.9694% | 1,422 |
| Core capital (leverage) ratio | 13.0973% | 1,135 |
| Tier 1 risk-based capital ratio | 29.3723% | 575 |
| Total risk-based capital ratio | 29.8055% | 606 |
| Memoranda: | ||
| Average total assets | $905,016,670 | 773 |
| Average earning assets | $863,123,000 | 746 |
| Average equity | $117,025,000 | 662 |
| Average total loans | $601,319,670 | 780 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,837 |
| Cost of funding earning assets | 1.1321% | 79 |
| Net interest margin | 2.4152% | 6,086 |
| Noninterest income to average assets | 0.1736% | 5,670 |
| Noninterest expense to average assets | 1.8285% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4350% | 4,929 |
| Return on assets (ROA) | 0.4350% | 5,050 |
| Pretax return on assets | 0.6488% | 4,770 |
| Return on Equity (ROE) | 3.3695% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.3695% | 3,959 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8099% | 2,845 |
| Assets per employee ($millions) | 7.6518% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2909% | 6,297 |
| Loan loss allowance to noncurrent loans | 67.5154% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 4,807 |
| Noncurrent loans to loans | 0.4308% | 4,303 |
| Net loans and leases to total assets | 65.8842% | 2,796 |
| Net loans and leases to deposits | 76.8268% | 2,955 |
| Net loans and leases to core deposits | 85.3266% | 2,614 |
| Total domestic deposits to total assets | 85.7568% | 3,064 |
| Equity capital to assets | 12.8867% | 1,457 |
| Core capital (leverage) ratio | 13.0131% | 1,150 |
| Tier 1 risk-based capital ratio | 28.9850% | 596 |
| Total risk-based capital ratio | 29.4159% | 631 |
| Memoranda: | ||
| Average total assets | $905,653,000 | 777 |
| Average earning assets | $863,862,000 | 744 |
| Average equity | $116,932,500 | 657 |
| Average total loans | $601,937,000 | 779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 5,131 |
| Cost of funding earning assets | 1.1977% | 86 |
| Net interest margin | 2.3833% | 6,236 |
| Noninterest income to average assets | 0.1761% | 5,802 |
| Noninterest expense to average assets | 1.8863% | 5,956 |
| Loan and lease loss provision to assets | 0.0103% | 4,417 |
| Net operating income to assets | 0.4227% | 5,140 |
| Return on assets (ROA) | 0.4229% | 5,215 |
| Pretax return on assets | 0.5479% | 5,106 |
| Return on Equity (ROE) | 3.3157% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.3157% | 3,867 |
| Net charge-offs to loans | 0.0157% | 4,560 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 54.1522% | 866 |
| Efficiency ratio | 77.1761% | 2,331 |
| Assets per employee ($millions) | 7.4441% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2906% | 6,388 |
| Loan loss allowance to noncurrent loans | 57.1522% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,570 |
| Noncurrent loans to loans | 0.5085% | 4,143 |
| Net loans and leases to total assets | 66.6624% | 2,777 |
| Net loans and leases to deposits | 77.4441% | 3,032 |
| Net loans and leases to core deposits | 85.9838% | 2,689 |
| Total domestic deposits to total assets | 86.0780% | 2,796 |
| Equity capital to assets | 12.9363% | 1,401 |
| Core capital (leverage) ratio | 12.9606% | 1,157 |
| Tier 1 risk-based capital ratio | 28.7114% | 585 |
| Total risk-based capital ratio | 29.1418% | 612 |
| Memoranda: | ||
| Average total assets | $893,056,600 | 746 |
| Average earning assets | $849,864,000 | 719 |
| Average equity | $113,912,400 | 644 |
| Average total loans | $587,624,800 | 749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 5,210 |
| Cost of funding earning assets | 1.2076% | 87 |
| Net interest margin | 2.3678% | 6,315 |
| Noninterest income to average assets | 0.1743% | 5,877 |
| Noninterest expense to average assets | 1.9364% | 5,888 |
| Loan and lease loss provision to assets | 0.0138% | 4,138 |
| Net operating income to assets | 0.3954% | 5,262 |
| Return on assets (ROA) | 0.3957% | 5,341 |
| Pretax return on assets | 0.4770% | 5,390 |
| Return on Equity (ROE) | 3.1137% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.1137% | 4,405 |
| Net charge-offs to loans | 0.0210% | 4,104 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 35.6206% | 1,213 |
| Efficiency ratio | 79.7953% | 1,946 |
| Assets per employee ($millions) | 7.3222% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2954% | 6,467 |
| Loan loss allowance to noncurrent loans | 67.1270% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,944 |
| Noncurrent loans to loans | 0.4401% | 4,581 |
| Net loans and leases to total assets | 66.1157% | 2,848 |
| Net loans and leases to deposits | 76.9946% | 3,069 |
| Net loans and leases to core deposits | 85.3654% | 2,737 |
| Total domestic deposits to total assets | 85.8705% | 2,921 |
| Equity capital to assets | 12.8467% | 1,505 |
| Core capital (leverage) ratio | 12.9413% | 1,206 |
| Tier 1 risk-based capital ratio | 28.8651% | 588 |
| Total risk-based capital ratio | 29.3020% | 625 |
| Memoranda: | ||
| Average total assets | $891,135,250 | 752 |
| Average earning assets | $847,686,250 | 725 |
| Average equity | $113,259,750 | 643 |
| Average total loans | $583,979,500 | 751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 5,250 |
| Cost of funding earning assets | 1.2098% | 86 |
| Net interest margin | 2.3535% | 6,384 |
| Noninterest income to average assets | 0.1723% | 5,919 |
| Noninterest expense to average assets | 1.8901% | 6,013 |
| Loan and lease loss provision to assets | 0.0126% | 4,006 |
| Net operating income to assets | 0.4489% | 5,020 |
| Return on assets (ROA) | 0.4495% | 5,094 |
| Pretax return on assets | 0.5092% | 5,254 |
| Return on Equity (ROE) | 3.5491% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.5491% | 3,941 |
| Net charge-offs to loans | 0.0193% | 3,833 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 41.4286% | 1,029 |
| Efficiency ratio | 78.3884% | 2,248 |
| Assets per employee ($millions) | 7.3692% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2992% | 6,536 |
| Loan loss allowance to noncurrent loans | 64.2438% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 5,010 |
| Noncurrent loans to loans | 0.4657% | 4,601 |
| Net loans and leases to total assets | 64.8652% | 2,929 |
| Net loans and leases to deposits | 75.1474% | 3,169 |
| Net loans and leases to core deposits | 83.0589% | 2,845 |
| Total domestic deposits to total assets | 86.3173% | 2,865 |
| Equity capital to assets | 12.7452% | 1,519 |
| Core capital (leverage) ratio | 12.7853% | 1,246 |
| Tier 1 risk-based capital ratio | 28.8307% | 592 |
| Total risk-based capital ratio | 29.2696% | 633 |
| Memoranda: | ||
| Average total assets | $890,412,330 | 753 |
| Average earning assets | $847,062,330 | 720 |
| Average equity | $112,759,670 | 635 |
| Average total loans | $581,184,670 | 754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 5,267 |
| Cost of funding earning assets | 1.2224% | 87 |
| Net interest margin | 2.3394% | 6,455 |
| Noninterest income to average assets | 0.1657% | 5,986 |
| Noninterest expense to average assets | 1.9086% | 6,052 |
| Loan and lease loss provision to assets | 0.0095% | 3,702 |
| Net operating income to assets | 0.3317% | 5,387 |
| Return on assets (ROA) | 0.3327% | 5,434 |
| Pretax return on assets | 0.4735% | 5,250 |
| Return on Equity (ROE) | 2.6357% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.6357% | 4,494 |
| Net charge-offs to loans | 0.0145% | 3,307 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 50.8095% | 746 |
| Efficiency ratio | 79.8489% | 2,233 |
| Assets per employee ($millions) | 7.3897% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3016% | 6,609 |
| Loan loss allowance to noncurrent loans | 58.4307% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 5,048 |
| Noncurrent loans to loans | 0.5163% | 4,621 |
| Net loans and leases to total assets | 64.6861% | 2,778 |
| Net loans and leases to deposits | 75.0209% | 2,938 |
| Net loans and leases to core deposits | 82.7457% | 2,667 |
| Total domestic deposits to total assets | 86.2240% | 3,244 |
| Equity capital to assets | 12.5888% | 1,530 |
| Core capital (leverage) ratio | 12.7124% | 1,290 |
| Tier 1 risk-based capital ratio | 28.6980% | 595 |
| Total risk-based capital ratio | 29.1398% | 638 |
| Memoranda: | ||
| Average total assets | $886,098,000 | 764 |
| Average earning assets | $842,622,500 | 732 |
| Average equity | $111,847,000 | 637 |
| Average total loans | $579,319,500 | 756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 5,401 |
| Cost of funding earning assets | 1.3333% | 95 |
| Net interest margin | 2.2683% | 6,545 |
| Noninterest income to average assets | 0.1768% | 6,022 |
| Noninterest expense to average assets | 1.8582% | 6,245 |
| Loan and lease loss provision to assets | 0.0051% | 5,023 |
| Net operating income to assets | 0.3606% | 5,293 |
| Return on assets (ROA) | 0.3606% | 5,408 |
| Pretax return on assets | 0.4731% | 5,287 |
| Return on Equity (ROE) | 2.8185% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.8185% | 4,238 |
| Net charge-offs to loans | 0.0078% | 5,300 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 94.3409% | 479 |
| Efficiency ratio | 79.5326% | 2,229 |
| Assets per employee ($millions) | 7.1970% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 6,685 |
| Loan loss allowance to noncurrent loans | 66.7429% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 5,267 |
| Noncurrent loans to loans | 0.4532% | 4,861 |
| Net loans and leases to total assets | 65.6855% | 2,740 |
| Net loans and leases to deposits | 76.0576% | 2,957 |
| Net loans and leases to core deposits | 84.2817% | 2,643 |
| Total domestic deposits to total assets | 86.3628% | 3,070 |
| Equity capital to assets | 12.6566% | 1,444 |
| Core capital (leverage) ratio | 12.8612% | 1,193 |
| Tier 1 risk-based capital ratio | 28.5926% | 575 |
| Total risk-based capital ratio | 29.0356% | 608 |
| Memoranda: | ||
| Average total assets | $868,032,400 | 762 |
| Average earning assets | $826,424,200 | 724 |
| Average equity | $111,053,600 | 634 |
| Average total loans | $565,016,800 | 744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5978% | 5,444 |
| Cost of funding earning assets | 1.3508% | 95 |
| Net interest margin | 2.2470% | 6,619 |
| Noninterest income to average assets | 0.1736% | 6,148 |
| Noninterest expense to average assets | 1.8270% | 6,307 |
| Loan and lease loss provision to assets | 0.0068% | 4,842 |
| Net operating income to assets | 0.3769% | 5,347 |
| Return on assets (ROA) | 0.3769% | 5,483 |
| Pretax return on assets | 0.4805% | 5,415 |
| Return on Equity (ROE) | 2.9384% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.9384% | 4,566 |
| Net charge-offs to loans | 0.0104% | 4,938 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 71.8805% | 651 |
| Efficiency ratio | 78.9456% | 2,272 |
| Assets per employee ($millions) | 7.2171% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3086% | 6,768 |
| Loan loss allowance to noncurrent loans | 57.6796% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 5,294 |
| Noncurrent loans to loans | 0.5350% | 4,855 |
| Net loans and leases to total assets | 64.7438% | 2,861 |
| Net loans and leases to deposits | 75.2720% | 3,055 |
| Net loans and leases to core deposits | 83.5429% | 2,698 |
| Total domestic deposits to total assets | 86.0132% | 3,245 |
| Equity capital to assets | 12.7090% | 1,471 |
| Core capital (leverage) ratio | 12.8570% | 1,259 |
| Tier 1 risk-based capital ratio | 28.8489% | 574 |
| Total risk-based capital ratio | 29.2985% | 616 |
| Memoranda: | ||
| Average total assets | $865,530,750 | 767 |
| Average earning assets | $824,550,750 | 731 |
| Average equity | $111,034,500 | 642 |
| Average total loans | $561,647,500 | 743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 5,431 |
| Cost of funding earning assets | 1.3619% | 103 |
| Net interest margin | 2.2392% | 6,661 |
| Noninterest income to average assets | 0.1703% | 6,192 |
| Noninterest expense to average assets | 1.8140% | 6,353 |
| Loan and lease loss provision to assets | 0.0007% | 4,780 |
| Net operating income to assets | 0.3502% | 5,405 |
| Return on assets (ROA) | 0.3502% | 5,582 |
| Pretax return on assets | 0.4899% | 5,411 |
| Return on Equity (ROE) | 2.7213% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.7213% | 4,583 |
| Net charge-offs to loans | 0.0011% | 4,898 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 705.6667% | 57 |
| Efficiency ratio | 78.7108% | 2,345 |
| Assets per employee ($millions) | 7.2292% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3137% | 6,806 |
| Loan loss allowance to noncurrent loans | 51.3046% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 5,267 |
| Noncurrent loans to loans | 0.6115% | 4,725 |
| Net loans and leases to total assets | 64.0948% | 2,897 |
| Net loans and leases to deposits | 74.2551% | 3,114 |
| Net loans and leases to core deposits | 82.7191% | 2,724 |
| Total domestic deposits to total assets | 86.3171% | 3,193 |
| Equity capital to assets | 12.7316% | 1,448 |
| Core capital (leverage) ratio | 12.8349% | 1,239 |
| Tier 1 risk-based capital ratio | 28.9854% | 574 |
| Total risk-based capital ratio | 29.4410% | 609 |
| Memoranda: | ||
| Average total assets | $862,952,330 | 766 |
| Average earning assets | $822,527,000 | 729 |
| Average equity | $111,051,670 | 642 |
| Average total loans | $559,818,000 | 740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 5,369 |
| Cost of funding earning assets | 1.3859% | 106 |
| Net interest margin | 2.2421% | 6,734 |
| Noninterest income to average assets | 0.1720% | 6,228 |
| Noninterest expense to average assets | 1.8065% | 6,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3504% | 5,346 |
| Return on assets (ROA) | 0.3504% | 5,488 |
| Pretax return on assets | 0.5038% | 5,241 |
| Return on Equity (ROE) | 2.7085% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.7085% | 4,662 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1935% | 2,580 |
| Assets per employee ($millions) | 7.2381% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3129% | 6,888 |
| Loan loss allowance to noncurrent loans | 45.3133% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 5,271 |
| Noncurrent loans to loans | 0.6906% | 4,744 |
| Net loans and leases to total assets | 64.1836% | 2,670 |
| Net loans and leases to deposits | 74.6621% | 2,825 |
| Net loans and leases to core deposits | 82.6890% | 2,492 |
| Total domestic deposits to total assets | 85.9654% | 3,539 |
| Equity capital to assets | 12.8529% | 1,502 |
| Core capital (leverage) ratio | 12.7345% | 1,227 |
| Tier 1 risk-based capital ratio | 28.8570% | 590 |
| Total risk-based capital ratio | 29.3136% | 626 |
| Memoranda: | ||
| Average total assets | $860,676,000 | 775 |
| Average earning assets | $820,849,000 | 738 |
| Average equity | $111,354,000 | 657 |
| Average total loans | $560,839,000 | 744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 5,624 |
| Cost of funding earning assets | 1.5838% | 114 |
| Net interest margin | 2.2992% | 6,838 |
| Noninterest income to average assets | 0.1804% | 6,106 |
| Noninterest expense to average assets | 1.8356% | 6,579 |
| Loan and lease loss provision to assets | 0.0160% | 5,702 |
| Net operating income to assets | 0.3482% | 5,301 |
| Return on assets (ROA) | 0.3483% | 5,523 |
| Pretax return on assets | 0.5181% | 5,223 |
| Return on Equity (ROE) | 2.7079% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.7079% | 4,330 |
| Net charge-offs to loans | 0.0244% | 5,558 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.2774% | 935 |
| Efficiency ratio | 77.4664% | 2,524 |
| Assets per employee ($millions) | 7.3515% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3111% | 6,940 |
| Loan loss allowance to noncurrent loans | 46.1376% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 5,339 |
| Noncurrent loans to loans | 0.6744% | 4,851 |
| Net loans and leases to total assets | 65.7493% | 2,566 |
| Net loans and leases to deposits | 76.3948% | 2,734 |
| Net loans and leases to core deposits | 84.8231% | 2,450 |
| Total domestic deposits to total assets | 86.0653% | 3,324 |
| Equity capital to assets | 13.0247% | 1,442 |
| Core capital (leverage) ratio | 12.8819% | 1,162 |
| Tier 1 risk-based capital ratio | 28.8361% | 570 |
| Total risk-based capital ratio | 29.2955% | 609 |
| Memoranda: | ||
| Average total assets | $853,815,400 | 768 |
| Average earning assets | $812,970,600 | 731 |
| Average equity | $109,828,000 | 647 |
| Average total loans | $561,834,000 | 737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 5,723 |
| Cost of funding earning assets | 1.6112% | 120 |
| Net interest margin | 2.3132% | 6,939 |
| Noninterest income to average assets | 0.1766% | 6,249 |
| Noninterest expense to average assets | 1.8989% | 6,526 |
| Loan and lease loss provision to assets | 0.0150% | 5,623 |
| Net operating income to assets | 0.3226% | 5,537 |
| Return on assets (ROA) | 0.3228% | 5,736 |
| Pretax return on assets | 0.4646% | 5,554 |
| Return on Equity (ROE) | 2.5176% | 5,875 |
| Retained earnings to average equity (ytd only) | 2.5176% | 5,061 |
| Net charge-offs to loans | 0.0228% | 5,346 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 31.9784% | 1,045 |
| Efficiency ratio | 79.8477% | 2,116 |
| Assets per employee ($millions) | 7.2792% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3108% | 7,054 |
| Loan loss allowance to noncurrent loans | 51.0502% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 5,622 |
| Noncurrent loans to loans | 0.6088% | 5,218 |
| Net loans and leases to total assets | 65.3531% | 2,768 |
| Net loans and leases to deposits | 76.1186% | 2,967 |
| Net loans and leases to core deposits | 84.5842% | 2,633 |
| Total domestic deposits to total assets | 85.8569% | 3,329 |
| Equity capital to assets | 12.8648% | 1,671 |
| Core capital (leverage) ratio | 12.6839% | 1,327 |
| Tier 1 risk-based capital ratio | 28.9299% | 589 |
| Total risk-based capital ratio | 29.3946% | 627 |
| Memoranda: | ||
| Average total assets | $854,075,500 | 774 |
| Average earning assets | $812,891,750 | 737 |
| Average equity | $109,517,250 | 650 |
| Average total loans | $561,681,500 | 740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 5,721 |
| Cost of funding earning assets | 1.6323% | 133 |
| Net interest margin | 2.3425% | 6,990 |
| Noninterest income to average assets | 0.1729% | 6,313 |
| Noninterest expense to average assets | 1.8969% | 6,605 |
| Loan and lease loss provision to assets | 0.0131% | 5,500 |
| Net operating income to assets | 0.3645% | 5,357 |
| Return on assets (ROA) | 0.3648% | 5,581 |
| Pretax return on assets | 0.4936% | 5,453 |
| Return on Equity (ROE) | 2.8483% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.8483% | 4,729 |
| Net charge-offs to loans | 0.0200% | 5,130 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 38.5357% | 902 |
| Efficiency ratio | 78.9320% | 2,335 |
| Assets per employee ($millions) | 7.6067% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3105% | 7,119 |
| Loan loss allowance to noncurrent loans | 56.3244% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 5,803 |
| Noncurrent loans to loans | 0.5513% | 5,416 |
| Net loans and leases to total assets | 65.3626% | 2,796 |
| Net loans and leases to deposits | 75.6717% | 3,034 |
| Net loans and leases to core deposits | 84.0133% | 2,684 |
| Total domestic deposits to total assets | 86.3765% | 3,150 |
| Equity capital to assets | 12.7970% | 1,632 |
| Core capital (leverage) ratio | 12.6151% | 1,306 |
| Tier 1 risk-based capital ratio | 28.7139% | 597 |
| Total risk-based capital ratio | 29.1773% | 629 |
| Memoranda: | ||
| Average total assets | $852,451,330 | 777 |
| Average earning assets | $811,610,000 | 741 |
| Average equity | $109,189,000 | 651 |
| Average total loans | $561,209,000 | 741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 5,732 |
| Cost of funding earning assets | 1.6648% | 139 |
| Net interest margin | 2.3441% | 7,045 |
| Noninterest income to average assets | 0.1824% | 6,287 |
| Noninterest expense to average assets | 1.9102% | 6,630 |
| Loan and lease loss provision to assets | 0.0024% | 5,237 |
| Net operating income to assets | 0.3711% | 5,379 |
| Return on assets (ROA) | 0.3718% | 5,562 |
| Pretax return on assets | 0.5032% | 5,417 |
| Return on Equity (ROE) | 2.9011% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.9011% | 4,802 |
| Net charge-offs to loans | 0.0036% | 4,704 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 214.2000% | 169 |
| Efficiency ratio | 79.1024% | 2,330 |
| Assets per employee ($millions) | 7.3358% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 7,172 |
| Loan loss allowance to noncurrent loans | 44.8603% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 5,638 |
| Noncurrent loans to loans | 0.6960% | 5,276 |
| Net loans and leases to total assets | 65.0948% | 2,634 |
| Net loans and leases to deposits | 75.5640% | 2,873 |
| Net loans and leases to core deposits | 83.3470% | 2,629 |
| Total domestic deposits to total assets | 86.1453% | 3,448 |
| Equity capital to assets | 12.7207% | 1,587 |
| Core capital (leverage) ratio | 12.5446% | 1,324 |
| Tier 1 risk-based capital ratio | 28.3967% | 611 |
| Total risk-based capital ratio | 28.8582% | 656 |
| Memoranda: | ||
| Average total assets | $848,896,000 | 782 |
| Average earning assets | $808,499,500 | 745 |
| Average equity | $108,784,500 | 650 |
| Average total loans | $560,022,500 | 744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 5,818 |
| Cost of funding earning assets | 1.8795% | 162 |
| Net interest margin | 2.4015% | 7,101 |
| Noninterest income to average assets | 0.1855% | 6,169 |
| Noninterest expense to average assets | 1.9701% | 6,729 |
| Loan and lease loss provision to assets | -0.0067% | 7,214 |
| Net operating income to assets | 0.3623% | 5,024 |
| Return on assets (ROA) | 0.3623% | 5,189 |
| Pretax return on assets | 0.5069% | 4,970 |
| Return on Equity (ROE) | 2.7707% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.7707% | 4,263 |
| Net charge-offs to loans | -0.0100% | 6,887 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7510% | 2,338 |
| Assets per employee ($millions) | 7.0547% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 7,212 |
| Loan loss allowance to noncurrent loans | 48.5168% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 5,800 |
| Noncurrent loans to loans | 0.6446% | 5,416 |
| Net loans and leases to total assets | 66.4492% | 2,697 |
| Net loans and leases to deposits | 77.0603% | 2,988 |
| Net loans and leases to core deposits | 84.6174% | 2,797 |
| Total domestic deposits to total assets | 86.2301% | 3,178 |
| Equity capital to assets | 12.9110% | 1,534 |
| Core capital (leverage) ratio | 12.7409% | 1,242 |
| Tier 1 risk-based capital ratio | 27.4743% | 664 |
| Total risk-based capital ratio | 27.9242% | 709 |
| Memoranda: | ||
| Average total assets | $816,066,000 | 799 |
| Average earning assets | $776,389,600 | 762 |
| Average equity | $106,725,800 | 644 |
| Average total loans | $548,159,200 | 772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 5,855 |
| Cost of funding earning assets | 1.9185% | 167 |
| Net interest margin | 2.4096% | 7,173 |
| Noninterest income to average assets | 0.1879% | 6,257 |
| Noninterest expense to average assets | 1.9998% | 6,689 |
| Loan and lease loss provision to assets | 0.0199% | 6,189 |
| Net operating income to assets | 0.3293% | 5,294 |
| Return on assets (ROA) | 0.3293% | 5,459 |
| Pretax return on assets | 0.4608% | 5,285 |
| Return on Equity (ROE) | 2.5096% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.5096% | 4,862 |
| Net charge-offs to loans | 0.0296% | 5,732 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 24.1404% | 1,089 |
| Efficiency ratio | 80.6210% | 2,169 |
| Assets per employee ($millions) | 7.0540% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3164% | 7,280 |
| Loan loss allowance to noncurrent loans | 42.0269% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 5,782 |
| Noncurrent loans to loans | 0.7529% | 5,371 |
| Net loans and leases to total assets | 66.8041% | 2,713 |
| Net loans and leases to deposits | 77.9951% | 2,993 |
| Net loans and leases to core deposits | 85.3293% | 2,870 |
| Total domestic deposits to total assets | 85.6517% | 3,419 |
| Equity capital to assets | 13.0233% | 1,606 |
| Core capital (leverage) ratio | 12.8451% | 1,274 |
| Tier 1 risk-based capital ratio | 27.7139% | 682 |
| Total risk-based capital ratio | 28.1718% | 732 |
| Memoranda: | ||
| Average total assets | $810,205,750 | 814 |
| Average earning assets | $770,852,000 | 777 |
| Average equity | $106,310,000 | 654 |
| Average total loans | $545,300,000 | 780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 5,831 |
| Cost of funding earning assets | 1.9470% | 171 |
| Net interest margin | 2.4105% | 7,228 |
| Noninterest income to average assets | 0.1841% | 6,344 |
| Noninterest expense to average assets | 2.0008% | 6,790 |
| Loan and lease loss provision to assets | 0.0253% | 5,983 |
| Net operating income to assets | 0.3366% | 5,227 |
| Return on assets (ROA) | 0.3366% | 5,361 |
| Pretax return on assets | 0.4496% | 5,232 |
| Return on Equity (ROE) | 2.5586% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.5586% | 4,664 |
| Net charge-offs to loans | 0.0376% | 5,323 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 18.7451% | 1,243 |
| Efficiency ratio | 80.8167% | 2,261 |
| Assets per employee ($millions) | 6.9451% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3204% | 7,336 |
| Loan loss allowance to noncurrent loans | 40.7356% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 5,825 |
| Noncurrent loans to loans | 0.7864% | 5,340 |
| Net loans and leases to total assets | 67.0114% | 2,818 |
| Net loans and leases to deposits | 77.9437% | 3,129 |
| Net loans and leases to core deposits | 85.2493% | 3,039 |
| Total domestic deposits to total assets | 85.9742% | 3,340 |
| Equity capital to assets | 13.1800% | 1,434 |
| Core capital (leverage) ratio | 12.9806% | 1,173 |
| Tier 1 risk-based capital ratio | 27.8865% | 668 |
| Total risk-based capital ratio | 28.3500% | 706 |
| Memoranda: | ||
| Average total assets | $805,169,330 | 833 |
| Average earning assets | $765,492,330 | 789 |
| Average equity | $105,919,000 | 658 |
| Average total loans | $542,702,000 | 793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 5,793 |
| Cost of funding earning assets | 2.0203% | 156 |
| Net interest margin | 2.3486% | 7,288 |
| Noninterest income to average assets | 0.1852% | 6,399 |
| Noninterest expense to average assets | 2.0143% | 6,808 |
| Loan and lease loss provision to assets | 0.0399% | 5,494 |
| Net operating income to assets | 0.2830% | 5,493 |
| Return on assets (ROA) | 0.2830% | 5,559 |
| Pretax return on assets | 0.3628% | 5,463 |
| Return on Equity (ROE) | 2.1532% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.1532% | 4,848 |
| Net charge-offs to loans | 0.0592% | 4,340 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 10.0875% | 1,663 |
| Efficiency ratio | 83.3368% | 2,039 |
| Assets per employee ($millions) | 6.9316% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 7,391 |
| Loan loss allowance to noncurrent loans | 44.1251% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,963 |
| Noncurrent loans to loans | 0.7355% | 5,541 |
| Net loans and leases to total assets | 66.2728% | 2,939 |
| Net loans and leases to deposits | 77.1582% | 3,225 |
| Net loans and leases to core deposits | 84.2726% | 3,134 |
| Total domestic deposits to total assets | 85.8921% | 3,585 |
| Equity capital to assets | 13.0264% | 1,366 |
| Core capital (leverage) ratio | 12.8977% | 1,160 |
| Tier 1 risk-based capital ratio | 28.0093% | 632 |
| Total risk-based capital ratio | 28.4784% | 675 |
| Memoranda: | ||
| Average total assets | $801,468,000 | 843 |
| Average earning assets | $761,659,500 | 801 |
| Average equity | $105,330,000 | 656 |
| Average total loans | $540,920,000 | 802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 5,479 |
| Cost of funding earning assets | 2.3099% | 204 |
| Net interest margin | 2.4730% | 7,284 |
| Noninterest income to average assets | 0.2161% | 6,266 |
| Noninterest expense to average assets | 2.0191% | 6,991 |
| Loan and lease loss provision to assets | 0.0263% | 6,861 |
| Net operating income to assets | 0.3660% | 4,690 |
| Return on assets (ROA) | 0.3660% | 4,841 |
| Pretax return on assets | 0.5145% | 4,567 |
| Return on Equity (ROE) | 2.6410% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.6410% | 4,012 |
| Net charge-offs to loans | 0.0364% | 6,437 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 20.5253% | 998 |
| Efficiency ratio | 78.8740% | 2,552 |
| Assets per employee ($millions) | 6.7687% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3225% | 7,474 |
| Loan loss allowance to noncurrent loans | 43.9809% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 5,975 |
| Noncurrent loans to loans | 0.7333% | 5,581 |
| Net loans and leases to total assets | 68.2969% | 2,913 |
| Net loans and leases to deposits | 79.3490% | 3,281 |
| Net loans and leases to core deposits | 79.3490% | 4,300 |
| Total domestic deposits to total assets | 86.0714% | 3,323 |
| Equity capital to assets | 13.2607% | 1,273 |
| Core capital (leverage) ratio | 13.1362% | 1,085 |
| Tier 1 risk-based capital ratio | 28.0843% | 602 |
| Total risk-based capital ratio | 28.5572% | 643 |
| Memoranda: | ||
| Average total assets | $751,461,400 | 897 |
| Average earning assets | $712,209,000 | 863 |
| Average equity | $104,126,800 | 653 |
| Average total loans | $543,876,600 | 833 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 5,409 |
| Cost of funding earning assets | 2.3526% | 228 |
| Net interest margin | 2.5140% | 7,372 |
| Noninterest income to average assets | 0.2155% | 6,369 |
| Noninterest expense to average assets | 2.0483% | 6,961 |
| Loan and lease loss provision to assets | 0.0232% | 6,830 |
| Net operating income to assets | 0.3789% | 4,848 |
| Return on assets (ROA) | 0.3789% | 5,031 |
| Pretax return on assets | 0.5253% | 4,834 |
| Return on Equity (ROE) | 2.7037% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.7037% | 4,535 |
| Net charge-offs to loans | 0.0316% | 6,243 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 23.6428% | 1,053 |
| Efficiency ratio | 78.8767% | 2,505 |
| Assets per employee ($millions) | 6.5298% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3197% | 7,583 |
| Loan loss allowance to noncurrent loans | 45.5848% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 6,058 |
| Noncurrent loans to loans | 0.7012% | 5,806 |
| Net loans and leases to total assets | 70.8240% | 2,526 |
| Net loans and leases to deposits | 83.2241% | 2,859 |
| Net loans and leases to core deposits | 83.2241% | 4,063 |
| Total domestic deposits to total assets | 85.1003% | 3,571 |
| Equity capital to assets | 13.7024% | 1,278 |
| Core capital (leverage) ratio | 13.4416% | 1,079 |
| Tier 1 risk-based capital ratio | 28.2680% | 611 |
| Total risk-based capital ratio | 28.7470% | 652 |
| Memoranda: | ||
| Average total assets | $741,343,250 | 915 |
| Average earning assets | $702,233,500 | 879 |
| Average equity | $103,904,500 | 639 |
| Average total loans | $544,191,750 | 831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 5,258 |
| Cost of funding earning assets | 2.3737% | 258 |
| Net interest margin | 2.5594% | 7,381 |
| Noninterest income to average assets | 0.2176% | 6,364 |
| Noninterest expense to average assets | 2.0235% | 7,065 |
| Loan and lease loss provision to assets | 0.0282% | 6,665 |
| Net operating income to assets | 0.4172% | 4,676 |
| Return on assets (ROA) | 0.4172% | 4,834 |
| Pretax return on assets | 0.5888% | 4,596 |
| Return on Equity (ROE) | 2.9532% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.9532% | 4,246 |
| Net charge-offs to loans | 0.0379% | 5,833 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 21.9126% | 1,157 |
| Efficiency ratio | 76.6332% | 2,964 |
| Assets per employee ($millions) | 6.3707% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3217% | 7,653 |
| Loan loss allowance to noncurrent loans | 49.1711% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 6,190 |
| Noncurrent loans to loans | 0.6542% | 5,948 |
| Net loans and leases to total assets | 71.5294% | 2,529 |
| Net loans and leases to deposits | 83.7496% | 2,917 |
| Net loans and leases to core deposits | 83.7496% | 4,165 |
| Total domestic deposits to total assets | 85.4086% | 3,417 |
| Equity capital to assets | 13.8395% | 1,226 |
| Core capital (leverage) ratio | 13.5838% | 1,034 |
| Tier 1 risk-based capital ratio | 28.3236% | 604 |
| Total risk-based capital ratio | 28.8063% | 645 |
| Memoranda: | ||
| Average total assets | $731,619,670 | 928 |
| Average earning assets | $692,589,330 | 894 |
| Average equity | $103,346,330 | 640 |
| Average total loans | $543,102,670 | 843 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 5,047 |
| Cost of funding earning assets | 2.4100% | 291 |
| Net interest margin | 2.5838% | 7,405 |
| Noninterest income to average assets | 0.2144% | 6,428 |
| Noninterest expense to average assets | 2.1064% | 6,923 |
| Loan and lease loss provision to assets | 0.0189% | 6,451 |
| Net operating income to assets | 0.3803% | 4,925 |
| Return on assets (ROA) | 0.3803% | 5,057 |
| Pretax return on assets | 0.5312% | 4,849 |
| Return on Equity (ROE) | 2.6638% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.6638% | 4,551 |
| Net charge-offs to loans | 0.0251% | 5,222 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 29.0588% | 891 |
| Efficiency ratio | 79.2916% | 2,673 |
| Assets per employee ($millions) | 6.2491% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3223% | 7,742 |
| Loan loss allowance to noncurrent loans | 45.7038% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 6,150 |
| Noncurrent loans to loans | 0.7052% | 5,924 |
| Net loans and leases to total assets | 74.0187% | 1,967 |
| Net loans and leases to deposits | 87.2135% | 2,370 |
| Net loans and leases to core deposits | 87.2135% | 3,716 |
| Total domestic deposits to total assets | 84.8707% | 3,737 |
| Equity capital to assets | 14.0984% | 1,111 |
| Core capital (leverage) ratio | 13.9516% | 972 |
| Tier 1 risk-based capital ratio | 28.5582% | 598 |
| Total risk-based capital ratio | 29.0488% | 642 |
| Memoranda: | ||
| Average total assets | $718,370,000 | 956 |
| Average earning assets | $679,011,000 | 932 |
| Average equity | $102,559,500 | 649 |
| Average total loans | $542,640,000 | 865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 5,239 |
| Cost of funding earning assets | 2.6293% | 711 |
| Net interest margin | 2.6594% | 7,264 |
| Noninterest income to average assets | 0.3118% | 5,852 |
| Noninterest expense to average assets | 2.1246% | 7,134 |
| Loan and lease loss provision to assets | 0.0274% | 7,241 |
| Net operating income to assets | 0.4756% | 3,833 |
| Return on assets (ROA) | 0.5005% | 3,822 |
| Pretax return on assets | 0.7083% | 3,540 |
| Return on Equity (ROE) | 3.3553% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.3553% | 2,820 |
| Net charge-offs to loans | 0.0350% | 6,778 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 25.5978% | 872 |
| Efficiency ratio | 75.2014% | 3,669 |
| Assets per employee ($millions) | 6.0307% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3227% | 7,814 |
| Loan loss allowance to noncurrent loans | 49.9287% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 6,193 |
| Noncurrent loans to loans | 0.6463% | 5,945 |
| Net loans and leases to total assets | 76.6156% | 1,668 |
| Net loans and leases to deposits | 90.2357% | 2,182 |
| Net loans and leases to core deposits | 120.4338% | 1,921 |
| Total domestic deposits to total assets | 84.9061% | 3,597 |
| Equity capital to assets | 14.4614% | 1,034 |
| Core capital (leverage) ratio | 14.3533% | 914 |
| Tier 1 risk-based capital ratio | 28.5688% | 605 |
| Total risk-based capital ratio | 29.0630% | 639 |
| Memoranda: | ||
| Average total assets | $672,269,600 | 1,025 |
| Average earning assets | $635,371,000 | 987 |
| Average equity | $100,290,000 | 656 |
| Average total loans | $526,123,000 | 908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 5,256 |
| Cost of funding earning assets | 2.6586% | 889 |
| Net interest margin | 2.6745% | 7,256 |
| Noninterest income to average assets | 0.3344% | 5,813 |
| Noninterest expense to average assets | 2.1413% | 7,113 |
| Loan and lease loss provision to assets | 0.0271% | 7,081 |
| Net operating income to assets | 0.4907% | 4,022 |
| Return on assets (ROA) | 0.5243% | 3,973 |
| Pretax return on assets | 0.7422% | 3,722 |
| Return on Equity (ROE) | 3.4864% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.4864% | 3,340 |
| Net charge-offs to loans | 0.0345% | 6,413 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 26.6289% | 1,012 |
| Efficiency ratio | 74.7861% | 3,728 |
| Assets per employee ($millions) | 5.8755% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3264% | 7,890 |
| Loan loss allowance to noncurrent loans | 41.7362% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 5,896 |
| Noncurrent loans to loans | 0.7820% | 5,736 |
| Net loans and leases to total assets | 77.7441% | 1,625 |
| Net loans and leases to deposits | 92.5178% | 2,152 |
| Net loans and leases to core deposits | 123.3787% | 1,959 |
| Total domestic deposits to total assets | 84.0315% | 3,708 |
| Equity capital to assets | 14.7984% | 1,065 |
| Core capital (leverage) ratio | 14.6325% | 930 |
| Tier 1 risk-based capital ratio | 28.9286% | 624 |
| Total risk-based capital ratio | 29.4327% | 661 |
| Memoranda: | ||
| Average total assets | $663,938,500 | 1,055 |
| Average earning assets | $627,793,250 | 1,012 |
| Average equity | $99,852,750 | 666 |
| Average total loans | $522,067,500 | 929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 5,139 |
| Cost of funding earning assets | 2.6645% | 1,127 |
| Net interest margin | 2.7387% | 7,125 |
| Noninterest income to average assets | 0.3765% | 5,495 |
| Noninterest expense to average assets | 2.1686% | 7,131 |
| Loan and lease loss provision to assets | 0.0299% | 6,946 |
| Net operating income to assets | 0.5335% | 3,970 |
| Return on assets (ROA) | 0.5335% | 4,076 |
| Pretax return on assets | 0.7657% | 3,788 |
| Return on Equity (ROE) | 3.5273% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.5273% | 3,343 |
| Net charge-offs to loans | 0.0379% | 5,932 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 26.6327% | 1,077 |
| Efficiency ratio | 73.1592% | 4,165 |
| Assets per employee ($millions) | 5.6461% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3364% | 7,960 |
| Loan loss allowance to noncurrent loans | 65.2742% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 6,392 |
| Noncurrent loans to loans | 0.5154% | 6,242 |
| Net loans and leases to total assets | 77.1622% | 1,918 |
| Net loans and leases to deposits | 91.4737% | 2,572 |
| Net loans and leases to core deposits | 120.2887% | 2,348 |
| Total domestic deposits to total assets | 84.3545% | 3,570 |
| Equity capital to assets | 14.8663% | 1,065 |
| Core capital (leverage) ratio | 14.8295% | 957 |
| Tier 1 risk-based capital ratio | 29.6179% | 623 |
| Total risk-based capital ratio | 30.1385% | 654 |
| Memoranda: | ||
| Average total assets | $656,105,000 | 1,091 |
| Average earning assets | $619,924,000 | 1,040 |
| Average equity | $99,227,000 | 678 |
| Average total loans | $517,359,000 | 960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 5,097 |
| Cost of funding earning assets | 2.6982% | 1,279 |
| Net interest margin | 2.7661% | 7,061 |
| Noninterest income to average assets | 0.4974% | 4,340 |
| Noninterest expense to average assets | 2.1481% | 7,014 |
| Loan and lease loss provision to assets | 0.0420% | 6,446 |
| Net operating income to assets | 0.7072% | 3,520 |
| Return on assets (ROA) | 0.7072% | 3,716 |
| Pretax return on assets | 0.9213% | 3,635 |
| Return on Equity (ROE) | 4.6351% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.6351% | 3,342 |
| Net charge-offs to loans | 0.0527% | 4,733 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 22.9559% | 1,296 |
| Efficiency ratio | 69.0401% | 4,770 |
| Assets per employee ($millions) | 5.5562% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3402% | 8,006 |
| Loan loss allowance to noncurrent loans | 58.2945% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 6,033 |
| Noncurrent loans to loans | 0.5835% | 5,938 |
| Net loans and leases to total assets | 77.5440% | 1,922 |
| Net loans and leases to deposits | 92.5530% | 2,504 |
| Net loans and leases to core deposits | 120.3519% | 2,389 |
| Total domestic deposits to total assets | 83.7834% | 3,812 |
| Equity capital to assets | 15.0764% | 1,082 |
| Core capital (leverage) ratio | 14.9940% | 974 |
| Tier 1 risk-based capital ratio | 29.9266% | 622 |
| Total risk-based capital ratio | 30.4559% | 654 |
| Memoranda: | ||
| Average total assets | $648,214,000 | 1,097 |
| Average earning assets | $612,561,000 | 1,051 |
| Average equity | $98,898,000 | 680 |
| Average total loans | $515,942,000 | 970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 6,907 |
| Cost of funding earning assets | 2.8798% | 2,354 |
| Net interest margin | 2.7785% | 7,369 |
| Noninterest income to average assets | 0.2800% | 6,461 |
| Noninterest expense to average assets | 2.1498% | 7,112 |
| Loan and lease loss provision to assets | 0.0069% | 7,280 |
| Net operating income to assets | 0.4961% | 4,753 |
| Return on assets (ROA) | 0.4976% | 4,587 |
| Pretax return on assets | 0.7535% | 4,236 |
| Return on Equity (ROE) | 3.1615% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.1615% | 3,187 |
| Net charge-offs to loans | 0.0085% | 6,812 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 110.2791% | 397 |
| Efficiency ratio | 73.9279% | 3,590 |
| Assets per employee ($millions) | 5.3382% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3382% | 8,051 |
| Loan loss allowance to noncurrent loans | 72.0758% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 5,974 |
| Noncurrent loans to loans | 0.4692% | 5,940 |
| Net loans and leases to total assets | 81.1775% | 1,395 |
| Net loans and leases to deposits | 96.8513% | 2,308 |
| Net loans and leases to core deposits | 125.3307% | 2,226 |
| Total domestic deposits to total assets | 83.8167% | 3,419 |
| Equity capital to assets | 15.4450% | 1,063 |
| Core capital (leverage) ratio | 15.4092% | 943 |
| Tier 1 risk-based capital ratio | 29.6029% | 663 |
| Total risk-based capital ratio | 30.1326% | 693 |
| Memoranda: | ||
| Average total assets | $625,450,400 | 1,072 |
| Average earning assets | $591,576,000 | 1,043 |
| Average equity | $98,435,600 | 677 |
| Average total loans | $505,523,600 | 952 |