Home > First Piedmont Federal Savings and Loan Association of Gaffney > Performance and Condition Ratios
First Piedmont Federal Savings and Loan Association of Gaffney, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 2,185 |
| Cost of funding earning assets | 0.3389% | 4,348 |
| Net interest margin | 4.6074% | 521 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.9141% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8060% | 605 |
| Return on assets (ROA) | 1.8045% | 587 |
| Pretax return on assets | 2.4059% | 377 |
| Return on Equity (ROE) | 7.2800% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.2791% | 1,798 |
| Net charge-offs to loans | -0.0036% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.7566% | 3,624 |
| Assets per employee ($millions) | 6.5936% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,168 |
| Loan loss allowance to noncurrent loans | 267.6601% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 1,416 |
| Noncurrent loans to loans | 0.4563% | 1,640 |
| Net loans and leases to total assets | 84.8300% | 220 |
| Net loans and leases to deposits | 120.8757% | 78 |
| Net loans and leases to core deposits | 121.5029% | 579 |
| Total domestic deposits to total assets | 70.1800% | 4,284 |
| Equity capital to assets | 25.3659% | 188 |
| Core capital (leverage) ratio | 25.5046% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $568,647,800 | 1,558 |
| Average earning assets | $547,114,600 | 1,500 |
| Average equity | $140,964,600 | 707 |
| Average total loans | $468,518,600 | 1,301 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 2,063 |
| Cost of funding earning assets | 0.2091% | 4,441 |
| Net interest margin | 4.6894% | 470 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.9484% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8434% | 605 |
| Return on assets (ROA) | 1.8397% | 604 |
| Pretax return on assets | 2.4530% | 401 |
| Return on Equity (ROE) | 7.4700% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.4652% | 2,152 |
| Net charge-offs to loans | -0.0049% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.5379% | 3,542 |
| Assets per employee ($millions) | 6.6966% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,329 |
| Loan loss allowance to noncurrent loans | 288.7236% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 1,568 |
| Noncurrent loans to loans | 0.4174% | 1,787 |
| Net loans and leases to total assets | 86.6700% | 131 |
| Net loans and leases to deposits | 120.3921% | 74 |
| Net loans and leases to core deposits | 121.1588% | 524 |
| Total domestic deposits to total assets | 71.9900% | 4,254 |
| Equity capital to assets | 25.1365% | 199 |
| Core capital (leverage) ratio | 25.5604% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $567,398,000 | 1,562 |
| Average earning assets | $545,785,750 | 1,507 |
| Average equity | $139,828,000 | 708 |
| Average total loans | $462,488,000 | 1,312 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 1,843 |
| Cost of funding earning assets | 0.0881% | 4,525 |
| Net interest margin | 4.7795% | 413 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.8384% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8828% | 577 |
| Return on assets (ROA) | 1.8786% | 578 |
| Pretax return on assets | 2.5050% | 356 |
| Return on Equity (ROE) | 7.6700% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6745% | 2,077 |
| Net charge-offs to loans | -0.0076% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0677% | 3,689 |
| Assets per employee ($millions) | 6.5380% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,239 |
| Loan loss allowance to noncurrent loans | 228.3491% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 1,149 |
| Noncurrent loans to loans | 0.5421% | 1,372 |
| Net loans and leases to total assets | 85.3800% | 186 |
| Net loans and leases to deposits | 115.2497% | 129 |
| Net loans and leases to core deposits | 116.0919% | 625 |
| Total domestic deposits to total assets | 74.0800% | 4,188 |
| Equity capital to assets | 25.0011% | 195 |
| Core capital (leverage) ratio | 25.1976% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $566,794,667 | 1,563 |
| Average earning assets | $544,827,000 | 1,512 |
| Average equity | $138,744,333 | 707 |
| Average total loans | $450,204,667 | 1,322 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 1,841 |
| Cost of funding earning assets | 0.0534% | 4,574 |
| Net interest margin | 4.6508% | 480 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.7955% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7974% | 676 |
| Return on assets (ROA) | 1.7896% | 677 |
| Pretax return on assets | 2.3864% | 420 |
| Return on Equity (ROE) | 7.3900% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.3888% | 2,395 |
| Net charge-offs to loans | -0.0157% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.8451% | 3,617 |
| Assets per employee ($millions) | 6.9212% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 1,858 |
| Loan loss allowance to noncurrent loans | 268.9763% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 1,329 |
| Noncurrent loans to loans | 0.4981% | 1,472 |
| Net loans and leases to total assets | 77.1300% | 864 |
| Net loans and leases to deposits | 103.1749% | 326 |
| Net loans and leases to core deposits | 104.6046% | 889 |
| Total domestic deposits to total assets | 74.7600% | 4,248 |
| Equity capital to assets | 23.9716% | 165 |
| Core capital (leverage) ratio | 24.4429% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $569,056,000 | 1,578 |
| Average earning assets | $547,083,500 | 1,528 |
| Average equity | $137,829,500 | 721 |
| Average total loans | $432,271,500 | 1,379 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 2,424 |
| Cost of funding earning assets | 0.0046% | 4,643 |
| Net interest margin | 3.7374% | 1,292 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.5871% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4107% | 1,107 |
| Return on assets (ROA) | 1.4090% | 1,070 |
| Pretax return on assets | 1.8786% | 613 |
| Return on Equity (ROE) | 5.9300% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.9281% | 2,669 |
| Net charge-offs to loans | 0.0074% | 2,127 |
| Credit loss provision to net charge-offs | 18.5185% | 1,939 |
| Earnings coverage of net charge-offs (x) | 391.7778% | 394 |
| Efficiency ratio | 57.8935% | 3,352 |
| Assets per employee ($millions) | 6.4051% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5484% | 4,397 |
| Loan loss allowance to noncurrent loans | 119.8947% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 1,501 |
| Noncurrent loans to loans | 0.4574% | 1,567 |
| Net loans and leases to total assets | 73.3000% | 1,280 |
| Net loans and leases to deposits | 98.1865% | 513 |
| Net loans and leases to core deposits | 99.6209% | 1,024 |
| Total domestic deposits to total assets | 74.6500% | 4,333 |
| Equity capital to assets | 24.4746% | 157 |
| Core capital (leverage) ratio | 23.9479% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $562,176,000 | 1,578 |
| Average earning assets | $539,311,600 | 1,523 |
| Average equity | $133,617,400 | 736 |
| Average total loans | $365,743,600 | 1,497 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 2,644 |
| Cost of funding earning assets | 0.0047% | 4,680 |
| Net interest margin | 3.4857% | 1,703 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.6053% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2636% | 1,478 |
| Return on assets (ROA) | 1.2602% | 1,460 |
| Pretax return on assets | 1.6803% | 940 |
| Return on Equity (ROE) | 5.3400% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.3419% | 2,981 |
| Net charge-offs to loans | 0.0038% | 2,079 |
| Credit loss provision to net charge-offs | 50.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 710.3000% | 227 |
| Efficiency ratio | 60.7157% | 3,024 |
| Assets per employee ($millions) | 6.6001% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 4,391 |
| Loan loss allowance to noncurrent loans | 186.8893% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 2,191 |
| Noncurrent loans to loans | 0.3164% | 2,110 |
| Net loans and leases to total assets | 66.4300% | 1,845 |
| Net loans and leases to deposits | 87.6375% | 1,058 |
| Net loans and leases to core deposits | 89.0803% | 1,356 |
| Total domestic deposits to total assets | 75.8000% | 4,375 |
| Equity capital to assets | 23.3021% | 158 |
| Core capital (leverage) ratio | 23.4443% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $561,806,750 | 1,588 |
| Average earning assets | $538,764,750 | 1,540 |
| Average equity | $132,533,750 | 751 |
| Average total loans | $353,323,500 | 1,521 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 2,552 |
| Cost of funding earning assets | 0.0049% | 4,749 |
| Net interest margin | 3.3525% | 1,747 |
| Noninterest income to average assets | 1.0006% | 665 |
| Noninterest expense to average assets | 2.6406% | 1,523 |
| Loan and lease loss provision to assets | 0.0018% | 2,575 |
| Net operating income to assets | 1.1789% | 1,501 |
| Return on assets (ROA) | 1.1752% | 1,495 |
| Pretax return on assets | 1.5670% | 1,013 |
| Return on Equity (ROE) | 4.9606% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.9606% | 2,722 |
| Net charge-offs to loans | 0.0053% | 1,822 |
| Credit loss provision to net charge-offs | 55.5556% | 1,471 |
| Earnings coverage of net charge-offs (x) | 485.5556% | 266 |
| Efficiency ratio | 62.6623% | 2,960 |
| Assets per employee ($millions) | 6.5690% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,428 |
| Loan loss allowance to noncurrent loans | 193.1034% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,277 |
| Noncurrent loans to loans | 0.3294% | 2,158 |
| Net loans and leases to total assets | 62.7650% | 2,039 |
| Net loans and leases to deposits | 82.6736% | 1,200 |
| Net loans and leases to core deposits | 84.0576% | 1,448 |
| Total domestic deposits to total assets | 75.9191% | 4,462 |
| Equity capital to assets | 23.3236% | 112 |
| Core capital (leverage) ratio | 23.1330% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,472,000 | 1,609 |
| Average earning assets | $532,444,333 | 1,574 |
| Average equity | $131,598,000 | 762 |
| Average total loans | $341,729,000 | 1,553 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 2,021 |
| Cost of funding earning assets | 0.0046% | 4,765 |
| Net interest margin | 3.4191% | 1,261 |
| Noninterest income to average assets | 0.8271% | 978 |
| Noninterest expense to average assets | 2.7027% | 1,358 |
| Loan and lease loss provision to assets | 0.0022% | 2,257 |
| Net operating income to assets | 1.0505% | 1,690 |
| Return on assets (ROA) | 1.0499% | 1,686 |
| Pretax return on assets | 1.3999% | 1,258 |
| Return on Equity (ROE) | 4.3962% | 3,780 |
| Retained earnings to average equity (ytd only) | 4.3962% | 2,804 |
| Net charge-offs to loans | 0.0084% | 1,441 |
| Credit loss provision to net charge-offs | 42.8571% | 1,220 |
| Earnings coverage of net charge-offs (x) | 274.2857% | 342 |
| Efficiency ratio | 65.8302% | 2,789 |
| Assets per employee ($millions) | 6.5459% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 4,443 |
| Loan loss allowance to noncurrent loans | 194.9066% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,317 |
| Noncurrent loans to loans | 0.3403% | 2,261 |
| Net loans and leases to total assets | 61.0824% | 1,954 |
| Net loans and leases to deposits | 80.3548% | 1,122 |
| Net loans and leases to core deposits | 81.7237% | 1,364 |
| Total domestic deposits to total assets | 76.0159% | 4,500 |
| Equity capital to assets | 23.3534% | 104 |
| Core capital (leverage) ratio | 23.6062% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,456,500 | 1,641 |
| Average earning assets | $524,931,000 | 1,601 |
| Average equity | $130,749,500 | 784 |
| Average total loans | $332,093,500 | 1,581 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9101% | 4,033 |
| Cost of funding earning assets | 0.0055% | 4,810 |
| Net interest margin | 2.9046% | 3,428 |
| Noninterest income to average assets | 1.6277% | 425 |
| Noninterest expense to average assets | 2.8281% | 1,292 |
| Loan and lease loss provision to assets | 0.0023% | 3,027 |
| Net operating income to assets | 1.1700% | 2,021 |
| Return on assets (ROA) | 1.1704% | 2,078 |
| Pretax return on assets | 1.5605% | 1,538 |
| Return on Equity (ROE) | 4.7962% | 4,040 |
| Retained earnings to average equity (ytd only) | 4.7962% | 2,867 |
| Net charge-offs to loans | 0.0014% | 2,613 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 2,028.5000% | 65 |
| Efficiency ratio | 64.4170% | 2,496 |
| Assets per employee ($millions) | 6.1142% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 4,386 |
| Loan loss allowance to noncurrent loans | 312.9252% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,974 |
| Noncurrent loans to loans | 0.2311% | 2,803 |
| Net loans and leases to total assets | 59.3542% | 2,221 |
| Net loans and leases to deposits | 79.3113% | 1,272 |
| Net loans and leases to core deposits | 80.8255% | 1,531 |
| Total domestic deposits to total assets | 74.8370% | 4,560 |
| Equity capital to assets | 24.4340% | 100 |
| Core capital (leverage) ratio | 23.4443% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,387,200 | 1,652 |
| Average earning assets | $494,010,800 | 1,622 |
| Average equity | $126,746,200 | 818 |
| Average total loans | $292,911,000 | 1,734 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8580% | 4,228 |
| Cost of funding earning assets | 0.0054% | 4,884 |
| Net interest margin | 2.8526% | 3,651 |
| Noninterest income to average assets | 1.5741% | 502 |
| Noninterest expense to average assets | 2.8195% | 1,298 |
| Loan and lease loss provision to assets | 0.0023% | 2,923 |
| Net operating income to assets | 1.0957% | 2,571 |
| Return on assets (ROA) | 1.0914% | 2,648 |
| Pretax return on assets | 1.4553% | 2,133 |
| Return on Equity (ROE) | 4.4740% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.4740% | 3,414 |
| Net charge-offs to loans | 0.0009% | 2,421 |
| Credit loss provision to net charge-offs | 450.0000% | 810 |
| Earnings coverage of net charge-offs (x) | 2,832.5000% | 50 |
| Efficiency ratio | 65.8364% | 2,118 |
| Assets per employee ($millions) | 6.4188% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,395 |
| Loan loss allowance to noncurrent loans | 234.1141% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,895 |
| Noncurrent loans to loans | 0.3291% | 2,603 |
| Net loans and leases to total assets | 54.9128% | 2,861 |
| Net loans and leases to deposits | 73.5577% | 1,899 |
| Net loans and leases to core deposits | 75.4167% | 2,108 |
| Total domestic deposits to total assets | 74.6527% | 4,613 |
| Equity capital to assets | 23.7625% | 112 |
| Core capital (leverage) ratio | 23.3755% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,249,250 | 1,677 |
| Average earning assets | $490,159,250 | 1,647 |
| Average equity | $125,939,250 | 833 |
| Average total loans | $286,631,750 | 1,787 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9106% | 4,211 |
| Cost of funding earning assets | 0.0054% | 4,924 |
| Net interest margin | 2.9052% | 3,564 |
| Noninterest income to average assets | 1.4766% | 554 |
| Noninterest expense to average assets | 2.8332% | 1,284 |
| Loan and lease loss provision to assets | 0.0024% | 2,826 |
| Net operating income to assets | 1.0462% | 2,733 |
| Return on assets (ROA) | 1.0397% | 2,836 |
| Pretax return on assets | 1.3889% | 2,368 |
| Return on Equity (ROE) | 4.2232% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.2232% | 3,449 |
| Net charge-offs to loans | 0.0014% | 2,176 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 1,779.5000% | 61 |
| Efficiency ratio | 66.9361% | 2,024 |
| Assets per employee ($millions) | 6.1706% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 4,383 |
| Loan loss allowance to noncurrent loans | 234.7648% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 3,027 |
| Noncurrent loans to loans | 0.3346% | 2,711 |
| Net loans and leases to total assets | 55.2819% | 2,983 |
| Net loans and leases to deposits | 74.0338% | 1,999 |
| Net loans and leases to core deposits | 76.0467% | 2,232 |
| Total domestic deposits to total assets | 74.6712% | 4,633 |
| Equity capital to assets | 24.1256% | 106 |
| Core capital (leverage) ratio | 23.0862% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,606,667 | 1,681 |
| Average earning assets | $482,510,667 | 1,656 |
| Average equity | $125,211,667 | 835 |
| Average total loans | $282,717,000 | 1,817 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9882% | 4,113 |
| Cost of funding earning assets | 0.0059% | 4,954 |
| Net interest margin | 2.9823% | 3,311 |
| Noninterest income to average assets | 1.4573% | 634 |
| Noninterest expense to average assets | 2.8810% | 1,195 |
| Loan and lease loss provision to assets | 0.0024% | 2,717 |
| Net operating income to assets | 1.0497% | 2,637 |
| Return on assets (ROA) | 1.0434% | 2,741 |
| Pretax return on assets | 1.3910% | 2,305 |
| Return on Equity (ROE) | 4.1944% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.1944% | 3,449 |
| Net charge-offs to loans | 0.0086% | 1,603 |
| Credit loss provision to net charge-offs | 50.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 292.3333% | 302 |
| Efficiency ratio | 67.2761% | 2,034 |
| Assets per employee ($millions) | 6.2112% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,381 |
| Loan loss allowance to noncurrent loans | 171.5892% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,852 |
| Noncurrent loans to loans | 0.4742% | 2,431 |
| Net loans and leases to total assets | 54.1288% | 3,228 |
| Net loans and leases to deposits | 72.9922% | 2,215 |
| Net loans and leases to core deposits | 75.0529% | 2,426 |
| Total domestic deposits to total assets | 74.1570% | 4,662 |
| Equity capital to assets | 24.2857% | 103 |
| Core capital (leverage) ratio | 23.9605% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2762% | 98 |
| Memoranda: | ||
| Average total assets | $500,659,500 | 1,693 |
| Average earning assets | $474,261,000 | 1,667 |
| Average equity | $124,548,000 | 829 |
| Average total loans | $277,950,500 | 1,846 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 3,474 |
| Cost of funding earning assets | 0.0058% | 4,981 |
| Net interest margin | 3.7326% | 1,695 |
| Noninterest income to average assets | 1.4351% | 580 |
| Noninterest expense to average assets | 3.0467% | 1,336 |
| Loan and lease loss provision to assets | 0.0394% | 3,914 |
| Net operating income to assets | 1.4110% | 996 |
| Return on assets (ROA) | 1.4134% | 1,073 |
| Pretax return on assets | 1.8846% | 573 |
| Return on Equity (ROE) | 5.3500% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,118 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3310% | 3,258 |
| Assets per employee ($millions) | 5.7832% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,348 |
| Loan loss allowance to noncurrent loans | 217.4573% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,208 |
| Noncurrent loans to loans | 0.3839% | 2,831 |
| Net loans and leases to total assets | 56.0469% | 3,295 |
| Net loans and leases to deposits | 76.7716% | 2,201 |
| Net loans and leases to core deposits | 79.0385% | 2,449 |
| Total domestic deposits to total assets | 73.0048% | 4,678 |
| Equity capital to assets | 25.5040% | 95 |
| Core capital (leverage) ratio | 24.2897% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3072% | 86 |
| Memoranda: | ||
| Average total assets | $456,763,800 | 1,677 |
| Average earning assets | $432,276,800 | 1,655 |
| Average equity | $120,674,000 | 818 |
| Average total loans | $293,803,400 | 1,708 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,292 |
| Cost of funding earning assets | 0.0063% | 5,017 |
| Net interest margin | 3.8807% | 1,399 |
| Noninterest income to average assets | 1.3104% | 634 |
| Noninterest expense to average assets | 3.0151% | 1,413 |
| Loan and lease loss provision to assets | 0.0400% | 3,852 |
| Net operating income to assets | 1.4460% | 1,004 |
| Return on assets (ROA) | 1.4436% | 1,098 |
| Pretax return on assets | 1.9247% | 601 |
| Return on Equity (ROE) | 5.4136% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.4136% | 2,369 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5096% | 3,304 |
| Assets per employee ($millions) | 5.7077% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,384 |
| Loan loss allowance to noncurrent loans | 176.4336% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 3,114 |
| Noncurrent loans to loans | 0.4464% | 2,712 |
| Net loans and leases to total assets | 59.0070% | 3,323 |
| Net loans and leases to deposits | 80.4503% | 2,274 |
| Net loans and leases to core deposits | 82.7881% | 2,598 |
| Total domestic deposits to total assets | 73.3459% | 4,613 |
| Equity capital to assets | 25.5100% | 98 |
| Core capital (leverage) ratio | 24.3373% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5279% | 107 |
| Memoranda: | ||
| Average total assets | $449,508,250 | 1,678 |
| Average earning assets | $425,375,500 | 1,654 |
| Average equity | $119,868,750 | 817 |
| Average total loans | $298,614,250 | 1,687 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 3,511 |
| Cost of funding earning assets | 0.0063% | 5,051 |
| Net interest margin | 3.9297% | 1,500 |
| Noninterest income to average assets | 1.2300% | 668 |
| Noninterest expense to average assets | 2.9741% | 1,649 |
| Loan and lease loss provision to assets | 0.0410% | 3,767 |
| Net operating income to assets | 1.4463% | 1,027 |
| Return on assets (ROA) | 1.4556% | 1,096 |
| Pretax return on assets | 1.9407% | 625 |
| Return on Equity (ROE) | 5.3739% | 3,729 |
| Retained earnings to average equity (ytd only) | 5.3739% | 2,323 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1565% | 3,392 |
| Assets per employee ($millions) | 5.6613% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,510 |
| Loan loss allowance to noncurrent loans | 75.6181% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 1,960 |
| Noncurrent loans to loans | 0.9651% | 1,603 |
| Net loans and leases to total assets | 63.7440% | 2,913 |
| Net loans and leases to deposits | 87.2042% | 1,641 |
| Net loans and leases to core deposits | 89.7054% | 2,092 |
| Total domestic deposits to total assets | 73.0974% | 4,645 |
| Equity capital to assets | 25.6736% | 94 |
| Core capital (leverage) ratio | 24.7436% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.5661% | 103 |
| Memoranda: | ||
| Average total assets | $439,530,000 | 1,685 |
| Average earning assets | $415,400,667 | 1,664 |
| Average equity | $119,056,333 | 814 |
| Average total loans | $303,102,000 | 1,656 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 3,291 |
| Cost of funding earning assets | 0.0060% | 5,098 |
| Net interest margin | 4.1733% | 971 |
| Noninterest income to average assets | 1.2716% | 545 |
| Noninterest expense to average assets | 3.0239% | 1,829 |
| Loan and lease loss provision to assets | 0.0424% | 3,248 |
| Net operating income to assets | 1.5991% | 627 |
| Return on assets (ROA) | 1.5582% | 754 |
| Pretax return on assets | 2.0945% | 371 |
| Return on Equity (ROE) | 5.5907% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.5907% | 2,036 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0108% | 4,001 |
| Assets per employee ($millions) | 5.1781% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 4,598 |
| Loan loss allowance to noncurrent loans | 222.6006% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 3,568 |
| Noncurrent loans to loans | 0.3176% | 3,357 |
| Net loans and leases to total assets | 70.4917% | 2,175 |
| Net loans and leases to deposits | 98.6346% | 648 |
| Net loans and leases to core deposits | 101.8059% | 1,342 |
| Total domestic deposits to total assets | 71.4676% | 4,798 |
| Equity capital to assets | 27.7104% | 87 |
| Core capital (leverage) ratio | 26.2374% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.6984% | 128 |
| Memoranda: | ||
| Average total assets | $424,349,000 | 1,698 |
| Average earning assets | $400,741,500 | 1,671 |
| Average equity | $118,267,500 | 811 |
| Average total loans | $303,788,000 | 1,626 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,075 |
| Cost of funding earning assets | 0.0068% | 5,160 |
| Net interest margin | 4.4563% | 785 |
| Noninterest income to average assets | 1.1504% | 709 |
| Noninterest expense to average assets | 2.9837% | 2,060 |
| Loan and lease loss provision to assets | 0.0403% | 3,208 |
| Net operating income to assets | 1.7163% | 637 |
| Return on assets (ROA) | 1.7163% | 680 |
| Pretax return on assets | 2.3415% | 279 |
| Return on Equity (ROE) | 6.2980% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.2980% | 1,719 |
| Net charge-offs to loans | 0.0017% | 3,655 |
| Credit loss provision to net charge-offs | 3,360.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 1,986.4000% | 34 |
| Efficiency ratio | 55.6092% | 4,253 |
| Assets per employee ($millions) | 5.1695% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 4,577 |
| Loan loss allowance to noncurrent loans | 210.5683% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,445 |
| Noncurrent loans to loans | 0.3316% | 3,253 |
| Net loans and leases to total assets | 71.7283% | 2,128 |
| Net loans and leases to deposits | 101.2742% | 515 |
| Net loans and leases to core deposits | 104.6359% | 1,191 |
| Total domestic deposits to total assets | 70.8258% | 4,901 |
| Equity capital to assets | 28.0021% | 86 |
| Core capital (leverage) ratio | 26.0455% | 110 |
| Tier 1 risk-based capital ratio | 40.5492% | 238 |
| Total risk-based capital ratio | 41.3655% | 237 |
| Memoranda: | ||
| Average total assets | $416,993,400 | 1,682 |
| Average earning assets | $394,426,200 | 1,652 |
| Average equity | $113,639,200 | 800 |
| Average total loans | $300,458,000 | 1,600 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 3,103 |
| Cost of funding earning assets | 0.0068% | 5,240 |
| Net interest margin | 4.4795% | 804 |
| Noninterest income to average assets | 1.1206% | 722 |
| Noninterest expense to average assets | 2.9360% | 2,138 |
| Loan and lease loss provision to assets | 0.0394% | 3,117 |
| Net operating income to assets | 1.7396% | 688 |
| Return on assets (ROA) | 1.7396% | 726 |
| Pretax return on assets | 2.3830% | 317 |
| Return on Equity (ROE) | 6.4279% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.4279% | 2,156 |
| Net charge-offs to loans | 0.0022% | 3,360 |
| Credit loss provision to net charge-offs | 2,460.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 1,512.8051% | 53 |
| Efficiency ratio | 54.7936% | 4,305 |
| Assets per employee ($millions) | 5.2477% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6801% | 4,687 |
| Loan loss allowance to noncurrent loans | 235.4214% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,703 |
| Noncurrent loans to loans | 0.2889% | 3,501 |
| Net loans and leases to total assets | 71.9003% | 2,192 |
| Net loans and leases to deposits | 100.9657% | 565 |
| Net loans and leases to core deposits | 104.4616% | 1,301 |
| Total domestic deposits to total assets | 71.2127% | 4,951 |
| Equity capital to assets | 27.5244% | 93 |
| Core capital (leverage) ratio | 25.5877% | 113 |
| Tier 1 risk-based capital ratio | 39.4282% | 253 |
| Total risk-based capital ratio | 40.2265% | 261 |
| Memoranda: | ||
| Average total assets | $416,559,500 | 1,691 |
| Average earning assets | $394,078,000 | 1,663 |
| Average equity | $112,735,750 | 805 |
| Average total loans | $299,957,750 | 1,617 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 3,203 |
| Cost of funding earning assets | 0.0066% | 5,288 |
| Net interest margin | 4.4366% | 876 |
| Noninterest income to average assets | 1.0585% | 769 |
| Noninterest expense to average assets | 2.9277% | 2,201 |
| Loan and lease loss provision to assets | 0.0375% | 3,063 |
| Net operating income to assets | 1.6699% | 769 |
| Return on assets (ROA) | 1.6699% | 799 |
| Pretax return on assets | 2.2875% | 368 |
| Return on Equity (ROE) | 6.2059% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.2059% | 2,188 |
| Net charge-offs to loans | 0.0007% | 3,159 |
| Credit loss provision to net charge-offs | 7,800.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 4,830.0000% | 5 |
| Efficiency ratio | 55.7368% | 4,278 |
| Assets per employee ($millions) | 5.2999% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 4,751 |
| Loan loss allowance to noncurrent loans | 261.4194% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,802 |
| Noncurrent loans to loans | 0.2576% | 3,610 |
| Net loans and leases to total assets | 71.3846% | 2,309 |
| Net loans and leases to deposits | 99.7344% | 698 |
| Net loans and leases to core deposits | 103.0280% | 1,468 |
| Total domestic deposits to total assets | 71.5747% | 4,989 |
| Equity capital to assets | 27.1205% | 98 |
| Core capital (leverage) ratio | 25.5008% | 112 |
| Tier 1 risk-based capital ratio | 38.3724% | 263 |
| Total risk-based capital ratio | 39.1456% | 270 |
| Memoranda: | ||
| Average total assets | $415,475,000 | 1,703 |
| Average earning assets | $392,779,670 | 1,663 |
| Average equity | $111,797,330 | 810 |
| Average total loans | $298,639,000 | 1,627 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 3,101 |
| Cost of funding earning assets | 0.0061% | 5,348 |
| Net interest margin | 4.4276% | 851 |
| Noninterest income to average assets | 1.0181% | 765 |
| Noninterest expense to average assets | 2.8832% | 2,321 |
| Loan and lease loss provision to assets | 0.0319% | 2,987 |
| Net operating income to assets | 1.6707% | 775 |
| Return on assets (ROA) | 1.6707% | 806 |
| Pretax return on assets | 2.2886% | 367 |
| Return on Equity (ROE) | 6.2297% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.2297% | 2,356 |
| Net charge-offs to loans | 0.0013% | 2,713 |
| Credit loss provision to net charge-offs | 3,300.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 2,400.0000% | 10 |
| Efficiency ratio | 55.4069% | 4,401 |
| Assets per employee ($millions) | 5.2931% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6610% | 4,840 |
| Loan loss allowance to noncurrent loans | 346.9352% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 4,069 |
| Noncurrent loans to loans | 0.1905% | 3,904 |
| Net loans and leases to total assets | 71.2017% | 2,300 |
| Net loans and leases to deposits | 98.9120% | 706 |
| Net loans and leases to core deposits | 102.2396% | 1,442 |
| Total domestic deposits to total assets | 71.9849% | 5,045 |
| Equity capital to assets | 26.7469% | 95 |
| Core capital (leverage) ratio | 25.2091% | 112 |
| Tier 1 risk-based capital ratio | 37.7888% | 263 |
| Total risk-based capital ratio | 38.5500% | 267 |
| Memoranda: | ||
| Average total assets | $413,710,500 | 1,719 |
| Average earning assets | $391,092,500 | 1,673 |
| Average equity | $110,951,500 | 804 |
| Average total loans | $297,505,000 | 1,649 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 3,063 |
| Cost of funding earning assets | 0.0079% | 5,388 |
| Net interest margin | 4.3051% | 1,144 |
| Noninterest income to average assets | 1.0517% | 854 |
| Noninterest expense to average assets | 2.9883% | 2,076 |
| Loan and lease loss provision to assets | 0.0055% | 4,006 |
| Net operating income to assets | 1.5436% | 1,011 |
| Return on assets (ROA) | 1.5436% | 1,004 |
| Pretax return on assets | 2.1146% | 423 |
| Return on Equity (ROE) | 5.8327% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.8327% | 2,278 |
| Net charge-offs to loans | 0.0051% | 3,531 |
| Credit loss provision to net charge-offs | 146.6667% | 1,862 |
| Earnings coverage of net charge-offs (x) | 568.6000% | 195 |
| Efficiency ratio | 58.4984% | 4,083 |
| Assets per employee ($millions) | 5.1759% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,885 |
| Loan loss allowance to noncurrent loans | 217.0379% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,684 |
| Noncurrent loans to loans | 0.3041% | 3,461 |
| Net loans and leases to total assets | 71.7420% | 2,305 |
| Net loans and leases to deposits | 100.1526% | 733 |
| Net loans and leases to core deposits | 103.7049% | 1,438 |
| Total domestic deposits to total assets | 71.6327% | 5,093 |
| Equity capital to assets | 26.8249% | 91 |
| Core capital (leverage) ratio | 24.6854% | 120 |
| Tier 1 risk-based capital ratio | 36.7988% | 283 |
| Total risk-based capital ratio | 37.5357% | 287 |
| Memoranda: | ||
| Average total assets | $402,300,800 | 1,706 |
| Average earning assets | $379,084,600 | 1,678 |
| Average equity | $106,468,800 | 803 |
| Average total loans | $291,523,600 | 1,631 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 3,134 |
| Cost of funding earning assets | 0.0074% | 5,458 |
| Net interest margin | 4.2469% | 1,244 |
| Noninterest income to average assets | 1.0689% | 831 |
| Noninterest expense to average assets | 3.0020% | 2,010 |
| Loan and lease loss provision to assets | 0.0053% | 3,871 |
| Net operating income to assets | 1.5058% | 1,178 |
| Return on assets (ROA) | 1.5058% | 1,173 |
| Pretax return on assets | 2.0626% | 531 |
| Return on Equity (ROE) | 5.7097% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.7097% | 2,820 |
| Net charge-offs to loans | 0.0069% | 3,182 |
| Credit loss provision to net charge-offs | 106.6667% | 2,165 |
| Earnings coverage of net charge-offs (x) | 414.2565% | 230 |
| Efficiency ratio | 59.2123% | 3,932 |
| Assets per employee ($millions) | 5.3083% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,951 |
| Loan loss allowance to noncurrent loans | 243.4837% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,540 |
| Noncurrent loans to loans | 0.2703% | 3,721 |
| Net loans and leases to total assets | 71.7498% | 2,367 |
| Net loans and leases to deposits | 99.6822% | 815 |
| Net loans and leases to core deposits | 103.3879% | 1,499 |
| Total domestic deposits to total assets | 71.9785% | 5,132 |
| Equity capital to assets | 26.4254% | 95 |
| Core capital (leverage) ratio | 24.4756% | 118 |
| Tier 1 risk-based capital ratio | 36.7717% | 279 |
| Total risk-based capital ratio | 37.5170% | 289 |
| Memoranda: | ||
| Average total assets | $400,652,750 | 1,716 |
| Average earning assets | $377,462,250 | 1,691 |
| Average equity | $105,664,750 | 806 |
| Average total loans | $290,580,250 | 1,639 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 3,167 |
| Cost of funding earning assets | 0.0075% | 5,522 |
| Net interest margin | 4.1737% | 1,343 |
| Noninterest income to average assets | 1.0403% | 890 |
| Noninterest expense to average assets | 3.0149% | 2,004 |
| Loan and lease loss provision to assets | 0.0050% | 3,728 |
| Net operating income to assets | 1.4222% | 1,358 |
| Return on assets (ROA) | 1.4222% | 1,362 |
| Pretax return on assets | 1.9484% | 690 |
| Return on Equity (ROE) | 5.3963% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.3963% | 2,879 |
| Net charge-offs to loans | 0.0097% | 2,791 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 277.6429% | 321 |
| Efficiency ratio | 60.6818% | 3,819 |
| Assets per employee ($millions) | 5.4966% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 5,002 |
| Loan loss allowance to noncurrent loans | 358.2255% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,878 |
| Noncurrent loans to loans | 0.1863% | 4,073 |
| Net loans and leases to total assets | 70.9049% | 2,449 |
| Net loans and leases to deposits | 98.0409% | 964 |
| Net loans and leases to core deposits | 101.6509% | 1,587 |
| Total domestic deposits to total assets | 72.3218% | 5,156 |
| Equity capital to assets | 26.1401% | 99 |
| Core capital (leverage) ratio | 24.4502% | 118 |
| Tier 1 risk-based capital ratio | 35.8666% | 312 |
| Total risk-based capital ratio | 36.6075% | 321 |
| Memoranda: | ||
| Average total assets | $397,961,000 | 1,738 |
| Average earning assets | $374,535,670 | 1,709 |
| Average equity | $104,886,670 | 813 |
| Average total loans | $289,036,000 | 1,650 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 3,140 |
| Cost of funding earning assets | 0.0076% | 5,588 |
| Net interest margin | 4.1187% | 1,388 |
| Noninterest income to average assets | 1.0265% | 866 |
| Noninterest expense to average assets | 3.0490% | 1,949 |
| Loan and lease loss provision to assets | 0.0020% | 3,492 |
| Net operating income to assets | 1.3477% | 1,485 |
| Return on assets (ROA) | 1.3477% | 1,498 |
| Pretax return on assets | 1.8457% | 835 |
| Return on Equity (ROE) | 5.0918% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.0918% | 3,127 |
| Net charge-offs to loans | 0.0069% | 2,489 |
| Credit loss provision to net charge-offs | 40.0000% | 2,015 |
| Earnings coverage of net charge-offs (x) | 363.6000% | 189 |
| Efficiency ratio | 62.2665% | 3,739 |
| Assets per employee ($millions) | 5.1186% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 5,075 |
| Loan loss allowance to noncurrent loans | 127.9868% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 2,938 |
| Noncurrent loans to loans | 0.5248% | 2,948 |
| Net loans and leases to total assets | 71.8182% | 2,196 |
| Net loans and leases to deposits | 99.4648% | 750 |
| Net loans and leases to core deposits | 103.0657% | 1,447 |
| Total domestic deposits to total assets | 72.2047% | 5,271 |
| Equity capital to assets | 26.2517% | 90 |
| Core capital (leverage) ratio | 24.5515% | 112 |
| Tier 1 risk-based capital ratio | 37.1913% | 275 |
| Total risk-based capital ratio | 37.9709% | 278 |
| Memoranda: | ||
| Average total assets | $393,568,500 | 1,765 |
| Average earning assets | $369,827,000 | 1,742 |
| Average equity | $104,168,000 | 821 |
| Average total loans | $288,383,500 | 1,665 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,079 |
| Cost of funding earning assets | 0.0089% | 5,650 |
| Net interest margin | 4.0851% | 1,494 |
| Noninterest income to average assets | 1.2169% | 708 |
| Noninterest expense to average assets | 3.0537% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2479% | 1,366 |
| Return on assets (ROA) | 1.2479% | 1,387 |
| Pretax return on assets | 2.0047% | 484 |
| Return on Equity (ROE) | 4.6925% | 4,292 |
| Retained earnings to average equity (ytd only) | 4.6925% | 2,326 |
| Net charge-offs to loans | 0.0011% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2,543.0000% | 25 |
| Efficiency ratio | 60.3688% | 4,204 |
| Assets per employee ($millions) | 5.1041% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 5,115 |
| Loan loss allowance to noncurrent loans | 752.7132% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 4,249 |
| Noncurrent loans to loans | 0.0896% | 4,594 |
| Net loans and leases to total assets | 73.7659% | 1,959 |
| Net loans and leases to deposits | 103.9797% | 492 |
| Net loans and leases to core deposits | 107.6882% | 1,157 |
| Total domestic deposits to total assets | 70.9426% | 5,367 |
| Equity capital to assets | 26.7159% | 84 |
| Core capital (leverage) ratio | 24.4996% | 106 |
| Tier 1 risk-based capital ratio | 38.7586% | 243 |
| Total risk-based capital ratio | 39.5869% | 240 |
| Memoranda: | ||
| Average total assets | $380,555,400 | 1,787 |
| Average earning assets | $357,859,800 | 1,765 |
| Average equity | $101,203,800 | 814 |
| Average total loans | $277,298,000 | 1,672 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,093 |
| Cost of funding earning assets | 0.0090% | 5,717 |
| Net interest margin | 4.0608% | 1,509 |
| Noninterest income to average assets | 1.2245% | 697 |
| Noninterest expense to average assets | 3.0805% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2245% | 1,595 |
| Return on assets (ROA) | 1.2245% | 1,626 |
| Pretax return on assets | 1.9670% | 586 |
| Return on Equity (ROE) | 4.6097% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.6097% | 3,136 |
| Net charge-offs to loans | 0.0010% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,789.9438% | 24 |
| Efficiency ratio | 61.0309% | 4,039 |
| Assets per employee ($millions) | 5.0281% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,151 |
| Loan loss allowance to noncurrent loans | 367.9924% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 3,481 |
| Noncurrent loans to loans | 0.1880% | 4,320 |
| Net loans and leases to total assets | 72.0440% | 2,246 |
| Net loans and leases to deposits | 100.0606% | 738 |
| Net loans and leases to core deposits | 103.6830% | 1,409 |
| Total domestic deposits to total assets | 72.0003% | 5,379 |
| Equity capital to assets | 26.4487% | 86 |
| Core capital (leverage) ratio | 24.1991% | 111 |
| Tier 1 risk-based capital ratio | 39.5273% | 229 |
| Total risk-based capital ratio | 40.3785% | 232 |
| Memoranda: | ||
| Average total assets | $378,715,500 | 1,808 |
| Average earning assets | $356,537,750 | 1,787 |
| Average equity | $100,596,000 | 820 |
| Average total loans | $274,599,750 | 1,693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,205 |
| Cost of funding earning assets | 0.0096% | 5,765 |
| Net interest margin | 3.9911% | 1,632 |
| Noninterest income to average assets | 1.1711% | 742 |
| Noninterest expense to average assets | 3.0875% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1461% | 1,797 |
| Return on assets (ROA) | 1.1461% | 1,848 |
| Pretax return on assets | 1.8409% | 763 |
| Return on Equity (ROE) | 4.3082% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.3082% | 3,142 |
| Net charge-offs to loans | 0.0007% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3,460.0000% | 9 |
| Efficiency ratio | 62.6471% | 3,876 |
| Assets per employee ($millions) | 5.1736% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 5,178 |
| Loan loss allowance to noncurrent loans | 189.6585% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,827 |
| Noncurrent loans to loans | 0.3762% | 3,678 |
| Net loans and leases to total assets | 70.6557% | 2,418 |
| Net loans and leases to deposits | 97.7261% | 920 |
| Net loans and leases to core deposits | 101.1370% | 1,575 |
| Total domestic deposits to total assets | 72.2998% | 5,435 |
| Equity capital to assets | 26.3955% | 86 |
| Core capital (leverage) ratio | 24.1033% | 111 |
| Tier 1 risk-based capital ratio | 39.7357% | 214 |
| Total risk-based capital ratio | 40.6075% | 216 |
| Memoranda: | ||
| Average total assets | $375,899,000 | 1,821 |
| Average earning assets | $353,890,670 | 1,798 |
| Average equity | $99,994,670 | 823 |
| Average total loans | $272,509,000 | 1,703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 2,949 |
| Cost of funding earning assets | 0.0091% | 5,826 |
| Net interest margin | 4.0147% | 1,436 |
| Noninterest income to average assets | 1.3050% | 603 |
| Noninterest expense to average assets | 3.1018% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2330% | 1,422 |
| Return on assets (ROA) | 1.2330% | 1,460 |
| Pretax return on assets | 1.9805% | 522 |
| Return on Equity (ROE) | 4.6167% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.6167% | 3,111 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0313% | 4,316 |
| Assets per employee ($millions) | 4.9958% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 5,291 |
| Loan loss allowance to noncurrent loans | 135.6346% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,810 |
| Noncurrent loans to loans | 0.5210% | 3,255 |
| Net loans and leases to total assets | 71.9823% | 2,077 |
| Net loans and leases to deposits | 98.9819% | 684 |
| Net loans and leases to core deposits | 102.3377% | 1,345 |
| Total domestic deposits to total assets | 72.7226% | 5,505 |
| Equity capital to assets | 26.3619% | 87 |
| Core capital (leverage) ratio | 24.2386% | 110 |
| Tier 1 risk-based capital ratio | 38.2433% | 252 |
| Total risk-based capital ratio | 39.0958% | 255 |
| Memoranda: | ||
| Average total assets | $372,426,000 | 1,848 |
| Average earning assets | $350,410,000 | 1,823 |
| Average equity | $99,465,000 | 828 |
| Average total loans | $272,540,500 | 1,715 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 2,730 |
| Cost of funding earning assets | 0.0099% | 5,884 |
| Net interest margin | 4.1224% | 1,328 |
| Noninterest income to average assets | 1.6271% | 461 |
| Noninterest expense to average assets | 3.3244% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4455% | 926 |
| Return on assets (ROA) | 1.4455% | 951 |
| Pretax return on assets | 2.1534% | 358 |
| Return on Equity (ROE) | 5.3745% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.3745% | 2,091 |
| Net charge-offs to loans | 0.0027% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,099.4286% | 62 |
| Efficiency ratio | 60.6886% | 4,470 |
| Assets per employee ($millions) | 4.8686% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 5,321 |
| Loan loss allowance to noncurrent loans | 115.6361% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 2,526 |
| Noncurrent loans to loans | 0.6233% | 2,978 |
| Net loans and leases to total assets | 73.3650% | 1,950 |
| Net loans and leases to deposits | 102.2879% | 518 |
| Net loans and leases to core deposits | 105.5288% | 1,162 |
| Total domestic deposits to total assets | 71.7240% | 5,579 |
| Equity capital to assets | 27.0367% | 81 |
| Core capital (leverage) ratio | 24.5787% | 105 |
| Tier 1 risk-based capital ratio | 37.4355% | 265 |
| Total risk-based capital ratio | 38.2842% | 269 |
| Memoranda: | ||
| Average total assets | $357,390,400 | 1,868 |
| Average earning assets | $333,838,600 | 1,855 |
| Average equity | $96,120,000 | 827 |
| Average total loans | $262,193,200 | 1,718 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,779 |
| Cost of funding earning assets | 0.0101% | 5,951 |
| Net interest margin | 4.1162% | 1,351 |
| Noninterest income to average assets | 1.6970% | 431 |
| Noninterest expense to average assets | 3.3219% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5192% | 848 |
| Return on assets (ROA) | 1.5192% | 899 |
| Pretax return on assets | 2.2142% | 372 |
| Return on Equity (ROE) | 5.6561% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.6561% | 2,394 |
| Net charge-offs to loans | 0.0010% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2,947.7416% | 16 |
| Efficiency ratio | 60.0041% | 4,541 |
| Assets per employee ($millions) | 4.7549% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 5,380 |
| Loan loss allowance to noncurrent loans | 116.2791% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 2,933 |
| Noncurrent loans to loans | 0.6210% | 3,154 |
| Net loans and leases to total assets | 74.1888% | 1,841 |
| Net loans and leases to deposits | 102.9479% | 505 |
| Net loans and leases to core deposits | 106.5912% | 1,140 |
| Total domestic deposits to total assets | 72.0644% | 5,592 |
| Equity capital to assets | 26.9975% | 80 |
| Core capital (leverage) ratio | 24.6087% | 106 |
| Tier 1 risk-based capital ratio | 37.0813% | 284 |
| Total risk-based capital ratio | 37.9368% | 296 |
| Memoranda: | ||
| Average total assets | $355,452,000 | 1,885 |
| Average earning assets | $331,523,500 | 1,868 |
| Average equity | $95,469,250 | 834 |
| Average total loans | $260,283,250 | 1,729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 2,875 |
| Cost of funding earning assets | 0.0103% | 6,027 |
| Net interest margin | 4.0863% | 1,399 |
| Noninterest income to average assets | 1.7993% | 400 |
| Noninterest expense to average assets | 3.3365% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6244% | 683 |
| Return on assets (ROA) | 1.6244% | 725 |
| Pretax return on assets | 2.2683% | 331 |
| Return on Equity (ROE) | 6.0588% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.0588% | 2,086 |
| Net charge-offs to loans | 0.0008% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4,009.0000% | 8 |
| Efficiency ratio | 59.5296% | 4,704 |
| Assets per employee ($millions) | 4.8258% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7350% | 5,443 |
| Loan loss allowance to noncurrent loans | 140.7648% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 3,325 |
| Noncurrent loans to loans | 0.5222% | 3,518 |
| Net loans and leases to total assets | 73.7807% | 1,882 |
| Net loans and leases to deposits | 102.2338% | 546 |
| Net loans and leases to core deposits | 105.6173% | 1,209 |
| Total domestic deposits to total assets | 72.1686% | 5,661 |
| Equity capital to assets | 26.9939% | 74 |
| Core capital (leverage) ratio | 24.2113% | 105 |
| Tier 1 risk-based capital ratio | 37.3449% | 278 |
| Total risk-based capital ratio | 38.2266% | 285 |
| Memoranda: | ||
| Average total assets | $353,479,330 | 1,892 |
| Average earning assets | $329,193,670 | 1,883 |
| Average equity | $94,772,000 | 839 |
| Average total loans | $257,029,000 | 1,757 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,078 |
| Cost of funding earning assets | 0.0098% | 6,086 |
| Net interest margin | 4.0281% | 1,538 |
| Noninterest income to average assets | 1.2068% | 750 |
| Noninterest expense to average assets | 3.2884% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0373% | 2,131 |
| Return on assets (ROA) | 1.0373% | 2,252 |
| Pretax return on assets | 1.6664% | 1,138 |
| Return on Equity (ROE) | 3.8825% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.8825% | 3,555 |
| Net charge-offs to loans | 0.0016% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,465.0000% | 26 |
| Efficiency ratio | 66.3682% | 3,741 |
| Assets per employee ($millions) | 4.6847% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 5,459 |
| Loan loss allowance to noncurrent loans | 249.1699% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 4,058 |
| Noncurrent loans to loans | 0.3059% | 4,330 |
| Net loans and leases to total assets | 72.2858% | 1,989 |
| Net loans and leases to deposits | 99.6707% | 646 |
| Net loans and leases to core deposits | 103.0049% | 1,263 |
| Total domestic deposits to total assets | 72.5246% | 5,738 |
| Equity capital to assets | 26.8700% | 70 |
| Core capital (leverage) ratio | 24.1276% | 104 |
| Tier 1 risk-based capital ratio | 36.9759% | 290 |
| Total risk-based capital ratio | 37.8757% | 295 |
| Memoranda: | ||
| Average total assets | $351,665,500 | 1,902 |
| Average earning assets | $327,204,000 | 1,898 |
| Average equity | $93,959,500 | 841 |
| Average total loans | $252,830,000 | 1,778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 2,842 |
| Cost of funding earning assets | 0.0147% | 6,146 |
| Net interest margin | 4.1065% | 1,399 |
| Noninterest income to average assets | 1.2626% | 750 |
| Noninterest expense to average assets | 3.2909% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1014% | 1,922 |
| Return on assets (ROA) | 1.1014% | 1,991 |
| Pretax return on assets | 1.7693% | 855 |
| Return on Equity (ROE) | 4.0745% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.0745% | 3,105 |
| Net charge-offs to loans | 0.0008% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3,002.5000% | 8 |
| Efficiency ratio | 65.0344% | 4,074 |
| Assets per employee ($millions) | 4.8258% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 5,457 |
| Loan loss allowance to noncurrent loans | 164.3098% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,886 |
| Noncurrent loans to loans | 0.4757% | 3,760 |
| Net loans and leases to total assets | 70.3359% | 2,318 |
| Net loans and leases to deposits | 96.7989% | 924 |
| Net loans and leases to core deposits | 100.1123% | 1,489 |
| Total domestic deposits to total assets | 72.6619% | 5,755 |
| Equity capital to assets | 26.5686% | 73 |
| Core capital (leverage) ratio | 23.9842% | 102 |
| Tier 1 risk-based capital ratio | 37.4971% | 271 |
| Total risk-based capital ratio | 38.4280% | 274 |
| Memoranda: | ||
| Average total assets | $339,392,400 | 1,925 |
| Average earning assets | $313,867,200 | 1,934 |
| Average equity | $91,742,000 | 827 |
| Average total loans | $243,322,000 | 1,773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,680 |
| Cost of funding earning assets | 0.0155% | 6,233 |
| Net interest margin | 4.1534% | 1,271 |
| Noninterest income to average assets | 1.2608% | 762 |
| Noninterest expense to average assets | 3.3292% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0986% | 2,013 |
| Return on assets (ROA) | 1.0986% | 2,095 |
| Pretax return on assets | 1.7649% | 964 |
| Return on Equity (ROE) | 4.0461% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.0461% | 3,579 |
| Net charge-offs to loans | 0.0006% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4,461.0451% | 10 |
| Efficiency ratio | 65.3535% | 4,000 |
| Assets per employee ($millions) | 4.6387% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 5,523 |
| Loan loss allowance to noncurrent loans | 153.6585% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 3,138 |
| Noncurrent loans to loans | 0.5184% | 3,800 |
| Net loans and leases to total assets | 71.8222% | 2,088 |
| Net loans and leases to deposits | 100.0239% | 666 |
| Net loans and leases to core deposits | 103.7550% | 1,248 |
| Total domestic deposits to total assets | 71.8051% | 5,872 |
| Equity capital to assets | 27.3633% | 76 |
| Core capital (leverage) ratio | 24.2302% | 101 |
| Tier 1 risk-based capital ratio | 37.3109% | 296 |
| Total risk-based capital ratio | 38.2579% | 301 |
| Memoranda: | ||
| Average total assets | $336,170,250 | 1,962 |
| Average earning assets | $310,258,250 | 1,971 |
| Average equity | $91,278,500 | 841 |
| Average total loans | $241,719,500 | 1,790 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,652 |
| Cost of funding earning assets | 0.0168% | 6,308 |
| Net interest margin | 4.1525% | 1,219 |
| Noninterest income to average assets | 1.2888% | 737 |
| Noninterest expense to average assets | 3.3445% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1051% | 1,932 |
| Return on assets (ROA) | 1.1051% | 2,020 |
| Pretax return on assets | 1.7749% | 933 |
| Return on Equity (ROE) | 4.0807% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.0807% | 3,427 |
| Net charge-offs to loans | 0.0008% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2,976.0000% | 12 |
| Efficiency ratio | 65.3308% | 4,125 |
| Assets per employee ($millions) | 4.7104% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 5,575 |
| Loan loss allowance to noncurrent loans | 251.6753% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 3,459 |
| Noncurrent loans to loans | 0.3222% | 4,541 |
| Net loans and leases to total assets | 70.4417% | 2,253 |
| Net loans and leases to deposits | 97.6106% | 825 |
| Net loans and leases to core deposits | 101.2039% | 1,386 |
| Total domestic deposits to total assets | 72.1661% | 5,927 |
| Equity capital to assets | 27.0505% | 76 |
| Core capital (leverage) ratio | 24.0345% | 102 |
| Tier 1 risk-based capital ratio | 37.2508% | 305 |
| Total risk-based capital ratio | 38.2080% | 312 |
| Memoranda: | ||
| Average total assets | $335,352,000 | 1,980 |
| Average earning assets | $309,357,670 | 1,982 |
| Average equity | $90,818,330 | 845 |
| Average total loans | $240,572,330 | 1,809 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,303 |
| Cost of funding earning assets | 0.0182% | 6,378 |
| Net interest margin | 4.2246% | 1,015 |
| Noninterest income to average assets | 1.2727% | 709 |
| Noninterest expense to average assets | 3.3576% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1264% | 1,768 |
| Return on assets (ROA) | 1.1264% | 1,873 |
| Pretax return on assets | 1.8101% | 851 |
| Return on Equity (ROE) | 4.1568% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.1568% | 3,510 |
| Net charge-offs to loans | 0.0017% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,509.0000% | 19 |
| Efficiency ratio | 64.9721% | 4,321 |
| Assets per employee ($millions) | 4.7534% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,666 |
| Loan loss allowance to noncurrent loans | 150.1153% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 3,363 |
| Noncurrent loans to loans | 0.5419% | 3,964 |
| Net loans and leases to total assets | 70.5609% | 2,061 |
| Net loans and leases to deposits | 97.3251% | 741 |
| Net loans and leases to core deposits | 101.1206% | 1,246 |
| Total domestic deposits to total assets | 72.5002% | 6,013 |
| Equity capital to assets | 26.9140% | 80 |
| Core capital (leverage) ratio | 24.0826% | 101 |
| Tier 1 risk-based capital ratio | 36.5992% | 319 |
| Total risk-based capital ratio | 37.5537% | 319 |
| Memoranda: | ||
| Average total assets | $333,454,500 | 1,997 |
| Average earning assets | $307,437,000 | 2,005 |
| Average equity | $90,357,000 | 853 |
| Average total loans | $240,431,500 | 1,808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,931 |
| Cost of funding earning assets | 0.0200% | 6,468 |
| Net interest margin | 4.1869% | 1,340 |
| Noninterest income to average assets | 1.3524% | 666 |
| Noninterest expense to average assets | 3.3317% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1674% | 1,685 |
| Return on assets (ROA) | 1.1674% | 1,763 |
| Pretax return on assets | 1.8756% | 676 |
| Return on Equity (ROE) | 4.3359% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.3359% | 3,102 |
| Net charge-offs to loans | 0.0017% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,531.5000% | 22 |
| Efficiency ratio | 63.9817% | 4,587 |
| Assets per employee ($millions) | 4.5121% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 5,745 |
| Loan loss allowance to noncurrent loans | 187.3442% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 3,610 |
| Noncurrent loans to loans | 0.4332% | 4,346 |
| Net loans and leases to total assets | 72.5053% | 1,829 |
| Net loans and leases to deposits | 100.8198% | 581 |
| Net loans and leases to core deposits | 105.0410% | 1,073 |
| Total domestic deposits to total assets | 71.9157% | 6,091 |
| Equity capital to assets | 27.3074% | 77 |
| Core capital (leverage) ratio | 23.9596% | 103 |
| Tier 1 risk-based capital ratio | 35.4623% | 329 |
| Total risk-based capital ratio | 36.3805% | 332 |
| Memoranda: | ||
| Average total assets | $326,615,200 | 1,988 |
| Average earning assets | $300,724,400 | 1,992 |
| Average equity | $87,939,800 | 837 |
| Average total loans | $231,437,600 | 1,815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,038 |
| Cost of funding earning assets | 0.0204% | 6,551 |
| Net interest margin | 4.1664% | 1,386 |
| Noninterest income to average assets | 1.3361% | 684 |
| Noninterest expense to average assets | 3.3406% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1409% | 1,895 |
| Return on assets (ROA) | 1.1409% | 1,958 |
| Pretax return on assets | 1.8327% | 826 |
| Return on Equity (ROE) | 4.2528% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.2528% | 3,629 |
| Net charge-offs to loans | 0.0023% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,120.6717% | 58 |
| Efficiency ratio | 64.5738% | 4,450 |
| Assets per employee ($millions) | 4.5923% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 5,789 |
| Loan loss allowance to noncurrent loans | 184.5137% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 3,847 |
| Noncurrent loans to loans | 0.4505% | 4,546 |
| Net loans and leases to total assets | 70.5086% | 2,108 |
| Net loans and leases to deposits | 97.5162% | 764 |
| Net loans and leases to core deposits | 101.6552% | 1,239 |
| Total domestic deposits to total assets | 72.3045% | 6,156 |
| Equity capital to assets | 26.8711% | 80 |
| Core capital (leverage) ratio | 23.5252% | 116 |
| Tier 1 risk-based capital ratio | 35.7919% | 330 |
| Total risk-based capital ratio | 36.7322% | 336 |
| Memoranda: | ||
| Average total assets | $325,924,000 | 2,004 |
| Average earning assets | $300,174,000 | 2,010 |
| Average equity | $87,438,500 | 842 |
| Average total loans | $229,104,000 | 1,838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 3,032 |
| Cost of funding earning assets | 0.0208% | 6,616 |
| Net interest margin | 4.1588% | 1,355 |
| Noninterest income to average assets | 1.2764% | 724 |
| Noninterest expense to average assets | 3.2995% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1222% | 1,850 |
| Return on assets (ROA) | 1.1222% | 1,928 |
| Pretax return on assets | 1.8024% | 839 |
| Return on Equity (ROE) | 4.1854% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.1854% | 3,503 |
| Net charge-offs to loans | 0.0018% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,461.5000% | 30 |
| Efficiency ratio | 64.6725% | 4,585 |
| Assets per employee ($millions) | 4.6917% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 5,872 |
| Loan loss allowance to noncurrent loans | 231.2057% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7807% | 3,628 |
| Noncurrent loans to loans | 0.3675% | 4,891 |
| Net loans and leases to total assets | 69.5031% | 2,155 |
| Net loans and leases to deposits | 95.8351% | 813 |
| Net loans and leases to core deposits | 99.9103% | 1,296 |
| Total domestic deposits to total assets | 72.5236% | 6,214 |
| Equity capital to assets | 26.7578% | 77 |
| Core capital (leverage) ratio | 23.4087% | 111 |
| Tier 1 risk-based capital ratio | 35.6569% | 325 |
| Total risk-based capital ratio | 36.6056% | 332 |
| Memoranda: | ||
| Average total assets | $324,351,330 | 2,011 |
| Average earning assets | $298,358,330 | 2,019 |
| Average equity | $86,969,000 | 844 |
| Average total loans | $227,110,330 | 1,849 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,135 |
| Cost of funding earning assets | 0.0202% | 6,687 |
| Net interest margin | 4.1199% | 1,415 |
| Noninterest income to average assets | 1.2460% | 708 |
| Noninterest expense to average assets | 3.2155% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1330% | 1,686 |
| Return on assets (ROA) | 1.1330% | 1,753 |
| Pretax return on assets | 1.8206% | 777 |
| Return on Equity (ROE) | 4.2213% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.2213% | 3,599 |
| Net charge-offs to loans | 0.0018% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,467.0000% | 14 |
| Efficiency ratio | 63.8492% | 4,880 |
| Assets per employee ($millions) | 4.6814% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 5,957 |
| Loan loss allowance to noncurrent loans | 198.0769% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 3,460 |
| Noncurrent loans to loans | 0.4374% | 4,836 |
| Net loans and leases to total assets | 68.3344% | 2,168 |
| Net loans and leases to deposits | 93.8249% | 811 |
| Net loans and leases to core deposits | 98.1619% | 1,227 |
| Total domestic deposits to total assets | 72.8318% | 6,318 |
| Equity capital to assets | 26.5401% | 83 |
| Core capital (leverage) ratio | 23.1877% | 115 |
| Tier 1 risk-based capital ratio | 35.7157% | 329 |
| Total risk-based capital ratio | 36.6776% | 334 |
| Memoranda: | ||
| Average total assets | $322,317,000 | 2,027 |
| Average earning assets | $296,515,000 | 2,035 |
| Average equity | $86,514,500 | 848 |
| Average total loans | $225,556,500 | 1,858 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 3,064 |
| Cost of funding earning assets | 0.0269% | 6,766 |
| Net interest margin | 4.2445% | 1,238 |
| Noninterest income to average assets | 1.5757% | 581 |
| Noninterest expense to average assets | 3.3736% | 1,938 |
| Loan and lease loss provision to assets | 0.0003% | 5,090 |
| Net operating income to assets | 1.3551% | 1,124 |
| Return on assets (ROA) | 1.3551% | 1,168 |
| Pretax return on assets | 2.1033% | 381 |
| Return on Equity (ROE) | 5.0941% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.0941% | 2,530 |
| Net charge-offs to loans | 0.0018% | 5,446 |
| Credit loss provision to net charge-offs | 25.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | 1,661.7500% | 23 |
| Efficiency ratio | 61.5936% | 5,276 |
| Assets per employee ($millions) | 4.5933% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,007 |
| Loan loss allowance to noncurrent loans | 176.0791% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1964% | 3,011 |
| Noncurrent loans to loans | 0.4937% | 4,762 |
| Net loans and leases to total assets | 70.4456% | 1,945 |
| Net loans and leases to deposits | 97.7758% | 603 |
| Net loans and leases to core deposits | 102.1620% | 1,012 |
| Total domestic deposits to total assets | 72.0482% | 6,419 |
| Equity capital to assets | 27.1529% | 76 |
| Core capital (leverage) ratio | 23.8980% | 103 |
| Tier 1 risk-based capital ratio | 35.7921% | 302 |
| Total risk-based capital ratio | 36.7586% | 302 |
| Memoranda: | ||
| Average total assets | $315,981,400 | 2,036 |
| Average earning assets | $290,447,400 | 2,041 |
| Average equity | $84,058,800 | 848 |
| Average total loans | $217,049,600 | 1,886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 3,223 |
| Cost of funding earning assets | 0.0285% | 6,847 |
| Net interest margin | 4.2147% | 1,289 |
| Noninterest income to average assets | 1.6220% | 558 |
| Noninterest expense to average assets | 3.3195% | 2,025 |
| Loan and lease loss provision to assets | 0.0004% | 4,939 |
| Net operating income to assets | 1.4281% | 1,036 |
| Return on assets (ROA) | 1.4281% | 1,094 |
| Pretax return on assets | 2.1756% | 411 |
| Return on Equity (ROE) | 5.3965% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.3965% | 2,803 |
| Net charge-offs to loans | 0.0025% | 5,164 |
| Credit loss provision to net charge-offs | 25.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | 1,289.0225% | 26 |
| Efficiency ratio | 60.4042% | 5,371 |
| Assets per employee ($millions) | 4.6397% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 6,066 |
| Loan loss allowance to noncurrent loans | 170.7062% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 3,159 |
| Noncurrent loans to loans | 0.5246% | 4,883 |
| Net loans and leases to total assets | 67.6872% | 2,337 |
| Net loans and leases to deposits | 93.2859% | 882 |
| Net loans and leases to core deposits | 97.7001% | 1,262 |
| Total domestic deposits to total assets | 72.5588% | 6,459 |
| Equity capital to assets | 26.5949% | 76 |
| Core capital (leverage) ratio | 23.4264% | 109 |
| Tier 1 risk-based capital ratio | 36.3316% | 303 |
| Total risk-based capital ratio | 37.3211% | 302 |
| Memoranda: | ||
| Average total assets | $315,742,250 | 2,049 |
| Average earning assets | $290,186,250 | 2,050 |
| Average equity | $83,559,000 | 857 |
| Average total loans | $215,005,250 | 1,900 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,117 |
| Cost of funding earning assets | 0.0319% | 6,897 |
| Net interest margin | 4.2292% | 1,199 |
| Noninterest income to average assets | 1.7494% | 546 |
| Noninterest expense to average assets | 3.3594% | 1,906 |
| Loan and lease loss provision to assets | 0.0006% | 4,781 |
| Net operating income to assets | 1.5279% | 858 |
| Return on assets (ROA) | 1.5279% | 926 |
| Pretax return on assets | 2.2763% | 361 |
| Return on Equity (ROE) | 5.7833% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.7833% | 2,565 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6026% | 5,527 |
| Assets per employee ($millions) | 4.6196% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,090 |
| Loan loss allowance to noncurrent loans | 73.0182% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 2,706 |
| Noncurrent loans to loans | 1.2531% | 3,453 |
| Net loans and leases to total assets | 66.6575% | 2,474 |
| Net loans and leases to deposits | 91.4798% | 1,013 |
| Net loans and leases to core deposits | 95.4253% | 1,404 |
| Total domestic deposits to total assets | 72.8657% | 6,511 |
| Equity capital to assets | 26.4027% | 77 |
| Core capital (leverage) ratio | 23.2112% | 106 |
| Tier 1 risk-based capital ratio | 36.6696% | 292 |
| Total risk-based capital ratio | 37.6842% | 292 |
| Memoranda: | ||
| Average total assets | $314,277,670 | 2,066 |
| Average earning assets | $288,851,330 | 2,064 |
| Average equity | $83,032,000 | 866 |
| Average total loans | $213,790,670 | 1,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,807 |
| Cost of funding earning assets | 0.0363% | 6,974 |
| Net interest margin | 4.2842% | 995 |
| Noninterest income to average assets | 2.0369% | 426 |
| Noninterest expense to average assets | 3.4034% | 1,831 |
| Loan and lease loss provision to assets | 0.0013% | 4,401 |
| Net operating income to assets | 1.8216% | 462 |
| Return on assets (ROA) | 1.8216% | 515 |
| Pretax return on assets | 2.5651% | 244 |
| Return on Equity (ROE) | 6.8923% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.8923% | 2,207 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0110% | 5,963 |
| Assets per employee ($millions) | 4.4504% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 6,215 |
| Loan loss allowance to noncurrent loans | 208.9457% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 3,995 |
| Noncurrent loans to loans | 0.4392% | 5,323 |
| Net loans and leases to total assets | 67.0397% | 2,184 |
| Net loans and leases to deposits | 91.6624% | 834 |
| Net loans and leases to core deposits | 95.3949% | 1,239 |
| Total domestic deposits to total assets | 73.1376% | 6,591 |
| Equity capital to assets | 26.3244% | 79 |
| Core capital (leverage) ratio | 23.1609% | 110 |
| Tier 1 risk-based capital ratio | 36.7688% | 298 |
| Total risk-based capital ratio | 37.7969% | 297 |
| Memoranda: | ||
| Average total assets | $312,040,500 | 2,104 |
| Average earning assets | $286,447,500 | 2,115 |
| Average equity | $82,468,500 | 883 |
| Average total loans | $213,469,000 | 1,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 3,136 |
| Cost of funding earning assets | 0.0471% | 7,039 |
| Net interest margin | 4.5198% | 907 |
| Noninterest income to average assets | 1.3312% | 872 |
| Noninterest expense to average assets | 3.4009% | 2,045 |
| Loan and lease loss provision to assets | -0.0066% | 6,818 |
| Net operating income to assets | 1.2774% | 1,372 |
| Return on assets (ROA) | 1.2774% | 1,520 |
| Pretax return on assets | 2.0787% | 513 |
| Return on Equity (ROE) | 4.8165% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.8165% | 2,834 |
| Net charge-offs to loans | 0.0040% | 5,923 |
| Credit loss provision to net charge-offs | -250.0000% | 6,427 |
| Earnings coverage of net charge-offs (x) | 779.6250% | 47 |
| Efficiency ratio | 62.1403% | 5,214 |
| Assets per employee ($millions) | 4.2792% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,223 |
| Loan loss allowance to noncurrent loans | 254.3450% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 3,763 |
| Noncurrent loans to loans | 0.3617% | 5,585 |
| Net loans and leases to total assets | 68.5434% | 2,096 |
| Net loans and leases to deposits | 94.3460% | 729 |
| Net loans and leases to core deposits | 98.5639% | 1,104 |
| Total domestic deposits to total assets | 72.6511% | 6,646 |
| Equity capital to assets | 26.5358% | 83 |
| Core capital (leverage) ratio | 23.3027% | 110 |
| Tier 1 risk-based capital ratio | 33.7144% | 370 |
| Total risk-based capital ratio | 34.6758% | 379 |
| Memoranda: | ||
| Average total assets | $301,004,600 | 2,133 |
| Average earning assets | $275,831,600 | 2,124 |
| Average equity | $79,829,600 | 879 |
| Average total loans | $202,221,200 | 1,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 4,563 |
| Cost of funding earning assets | 0.0501% | 7,148 |
| Net interest margin | 4.2235% | 1,669 |
| Noninterest income to average assets | 1.5047% | 658 |
| Noninterest expense to average assets | 3.3472% | 2,143 |
| Loan and lease loss provision to assets | -0.0102% | 6,955 |
| Net operating income to assets | 1.2694% | 1,514 |
| Return on assets (ROA) | 1.2694% | 1,673 |
| Pretax return on assets | 2.0394% | 647 |
| Return on Equity (ROE) | 4.7873% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.7873% | 3,523 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2576% | 5,114 |
| Assets per employee ($millions) | 4.1938% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 6,270 |
| Loan loss allowance to noncurrent loans | 269.3151% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 3,792 |
| Noncurrent loans to loans | 0.3492% | 5,777 |
| Net loans and leases to total assets | 68.5726% | 2,198 |
| Net loans and leases to deposits | 94.6131% | 745 |
| Net loans and leases to core deposits | 99.2417% | 1,172 |
| Total domestic deposits to total assets | 72.4769% | 6,718 |
| Equity capital to assets | 26.7465% | 87 |
| Core capital (leverage) ratio | 23.4532% | 114 |
| Tier 1 risk-based capital ratio | 33.5671% | 394 |
| Total risk-based capital ratio | 34.5409% | 399 |
| Memoranda: | ||
| Average total assets | $299,229,750 | 2,163 |
| Average earning assets | $274,302,250 | 2,166 |
| Average equity | $79,347,500 | 884 |
| Average total loans | $199,490,000 | 2,027 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 4,001 |
| Cost of funding earning assets | 0.0527% | 7,209 |
| Net interest margin | 4.3924% | 1,222 |
| Noninterest income to average assets | 1.3415% | 795 |
| Noninterest expense to average assets | 3.3340% | 2,205 |
| Loan and lease loss provision to assets | -0.0174% | 7,038 |
| Net operating income to assets | 1.2778% | 1,496 |
| Return on assets (ROA) | 1.2778% | 1,659 |
| Pretax return on assets | 2.0515% | 631 |
| Return on Equity (ROE) | 4.8329% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.8329% | 3,380 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1082% | 5,231 |
| Assets per employee ($millions) | 4.2084% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 6,193 |
| Loan loss allowance to noncurrent loans | 104.3039% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 3,061 |
| Noncurrent loans to loans | 0.9511% | 4,604 |
| Net loans and leases to total assets | 64.6603% | 2,895 |
| Net loans and leases to deposits | 88.5880% | 1,306 |
| Net loans and leases to core deposits | 92.8774% | 1,696 |
| Total domestic deposits to total assets | 72.9899% | 6,745 |
| Equity capital to assets | 26.3424% | 87 |
| Core capital (leverage) ratio | 23.3861% | 110 |
| Tier 1 risk-based capital ratio | 34.8365% | 351 |
| Total risk-based capital ratio | 35.8403% | 350 |
| Memoranda: | ||
| Average total assets | $298,323,000 | 2,168 |
| Average earning assets | $273,473,330 | 2,167 |
| Average equity | $78,876,330 | 882 |
| Average total loans | $196,313,000 | 2,063 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 2,870 |
| Cost of funding earning assets | 0.0590% | 7,267 |
| Net interest margin | 4.6839% | 704 |
| Noninterest income to average assets | 1.2284% | 947 |
| Noninterest expense to average assets | 3.4096% | 1,983 |
| Loan and lease loss provision to assets | -0.0392% | 7,137 |
| Net operating income to assets | 1.3379% | 1,357 |
| Return on assets (ROA) | 1.3379% | 1,517 |
| Pretax return on assets | 2.1488% | 585 |
| Return on Equity (ROE) | 5.0507% | 4,764 |
| Retained earnings to average equity (ytd only) | 5.0507% | 3,526 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7777% | 5,310 |
| Assets per employee ($millions) | 4.3249% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,233 |
| Loan loss allowance to noncurrent loans | 99.2405% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 2,800 |
| Noncurrent loans to loans | 1.0113% | 4,653 |
| Net loans and leases to total assets | 63.8582% | 2,877 |
| Net loans and leases to deposits | 87.0575% | 1,281 |
| Net loans and leases to core deposits | 91.1820% | 1,729 |
| Total domestic deposits to total assets | 73.3518% | 6,799 |
| Equity capital to assets | 26.0625% | 84 |
| Core capital (leverage) ratio | 23.0960% | 117 |
| Tier 1 risk-based capital ratio | 34.1925% | 361 |
| Total risk-based capital ratio | 35.1895% | 360 |
| Memoranda: | ||
| Average total assets | $295,983,500 | 2,191 |
| Average earning assets | $271,141,500 | 2,191 |
| Average equity | $78,405,500 | 884 |
| Average total loans | $195,527,000 | 2,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 2,970 |
| Cost of funding earning assets | 0.1614% | 7,271 |
| Net interest margin | 4.8182% | 601 |
| Noninterest income to average assets | 1.0693% | 1,169 |
| Noninterest expense to average assets | 3.2570% | 2,665 |
| Loan and lease loss provision to assets | 0.2383% | 3,826 |
| Net operating income to assets | 1.2070% | 1,495 |
| Return on assets (ROA) | 1.3532% | 1,224 |
| Pretax return on assets | 2.2123% | 359 |
| Return on Equity (ROE) | 5.0727% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.0727% | 2,582 |
| Net charge-offs to loans | -0.0199% | 6,957 |
| Credit loss provision to net charge-offs | -1,697.5000% | 6,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4441% | 5,836 |
| Assets per employee ($millions) | 4.0736% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,221 |
| Loan loss allowance to noncurrent loans | 340.3478% | 983 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 3,321 |
| Noncurrent loans to loans | 0.2937% | 6,137 |
| Net loans and leases to total assets | 67.0106% | 2,587 |
| Net loans and leases to deposits | 92.4883% | 924 |
| Net loans and leases to core deposits | 97.7836% | 1,350 |
| Total domestic deposits to total assets | 72.4530% | 6,850 |
| Equity capital to assets | 26.9371% | 84 |
| Core capital (leverage) ratio | 23.9153% | 114 |
| Tier 1 risk-based capital ratio | 33.4780% | 377 |
| Total risk-based capital ratio | 34.4644% | 381 |
| Memoranda: | ||
| Average total assets | $284,957,600 | 2,235 |
| Average earning assets | $260,800,600 | 2,232 |
| Average equity | $76,015,200 | 884 |
| Average total loans | $201,361,000 | 2,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 3,059 |
| Cost of funding earning assets | 0.1838% | 7,342 |
| Net interest margin | 4.8218% | 601 |
| Noninterest income to average assets | 1.0746% | 1,164 |
| Noninterest expense to average assets | 3.3073% | 2,474 |
| Loan and lease loss provision to assets | 0.1404% | 4,683 |
| Net operating income to assets | 1.2651% | 1,467 |
| Return on assets (ROA) | 1.3944% | 1,245 |
| Pretax return on assets | 2.2402% | 401 |
| Return on Equity (ROE) | 5.2402% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.2402% | 3,032 |
| Net charge-offs to loans | -0.0263% | 6,952 |
| Credit loss provision to net charge-offs | -747.5000% | 6,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2859% | 5,670 |
| Assets per employee ($millions) | 4.1242% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 6,868 |
| Loan loss allowance to noncurrent loans | 109.1565% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 2,865 |
| Noncurrent loans to loans | 0.7035% | 5,471 |
| Net loans and leases to total assets | 67.7650% | 2,526 |
| Net loans and leases to deposits | 93.3470% | 892 |
| Net loans and leases to core deposits | 98.6944% | 1,368 |
| Total domestic deposits to total assets | 72.5947% | 6,888 |
| Equity capital to assets | 26.6800% | 99 |
| Core capital (leverage) ratio | 24.0671% | 123 |
| Tier 1 risk-based capital ratio | 33.6025% | 400 |
| Total risk-based capital ratio | 34.3608% | 410 |
| Memoranda: | ||
| Average total assets | $283,890,500 | 2,246 |
| Average earning assets | $259,731,250 | 2,248 |
| Average equity | $75,541,750 | 899 |
| Average total loans | $202,759,000 | 2,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 2,776 |
| Cost of funding earning assets | 0.2046% | 7,409 |
| Net interest margin | 4.8744% | 517 |
| Noninterest income to average assets | 1.0450% | 1,204 |
| Noninterest expense to average assets | 3.3164% | 2,503 |
| Loan and lease loss provision to assets | 0.2097% | 3,820 |
| Net operating income to assets | 1.2201% | 1,510 |
| Return on assets (ROA) | 1.3801% | 1,194 |
| Pretax return on assets | 2.2247% | 396 |
| Return on Equity (ROE) | 5.1913% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.1913% | 2,880 |
| Net charge-offs to loans | -0.0410% | 6,998 |
| Credit loss provision to net charge-offs | -704.7619% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2911% | 5,824 |
| Assets per employee ($millions) | 4.0618% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 6,949 |
| Loan loss allowance to noncurrent loans | 67.6655% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.3523% | 2,802 |
| Noncurrent loans to loans | 1.1123% | 4,811 |
| Net loans and leases to total assets | 70.1681% | 2,188 |
| Net loans and leases to deposits | 96.6028% | 679 |
| Net loans and leases to core deposits | 101.3889% | 1,220 |
| Total domestic deposits to total assets | 72.6357% | 6,962 |
| Equity capital to assets | 26.7316% | 107 |
| Core capital (leverage) ratio | 24.0842% | 123 |
| Tier 1 risk-based capital ratio | 32.7660% | 427 |
| Total risk-based capital ratio | 33.5161% | 434 |
| Memoranda: | ||
| Average total assets | $282,290,000 | 2,268 |
| Average earning assets | $258,041,330 | 2,271 |
| Average equity | $75,048,000 | 904 |
| Average total loans | $204,630,000 | 2,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 2,524 |
| Cost of funding earning assets | 0.2335% | 7,458 |
| Net interest margin | 4.8938% | 472 |
| Noninterest income to average assets | 1.0424% | 1,212 |
| Noninterest expense to average assets | 3.2595% | 2,680 |
| Loan and lease loss provision to assets | 0.0043% | 5,811 |
| Net operating income to assets | 1.4006% | 1,062 |
| Return on assets (ROA) | 1.4761% | 958 |
| Pretax return on assets | 2.3678% | 301 |
| Return on Equity (ROE) | 5.5679% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.5679% | 2,872 |
| Net charge-offs to loans | -0.0833% | 7,033 |
| Credit loss provision to net charge-offs | -6.9767% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1179% | 6,113 |
| Assets per employee ($millions) | 3.9881% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 7,176 |
| Loan loss allowance to noncurrent loans | 64.2314% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.1843% | 3,085 |
| Noncurrent loans to loans | 0.9720% | 5,101 |
| Net loans and leases to total assets | 71.1690% | 1,888 |
| Net loans and leases to deposits | 97.5581% | 593 |
| Net loans and leases to core deposits | 102.4109% | 1,172 |
| Total domestic deposits to total assets | 72.9503% | 7,005 |
| Equity capital to assets | 26.5189% | 100 |
| Core capital (leverage) ratio | 23.8207% | 124 |
| Tier 1 risk-based capital ratio | 31.7420% | 450 |
| Total risk-based capital ratio | 32.3597% | 462 |
| Memoranda: | ||
| Average total assets | $281,273,500 | 2,294 |
| Average earning assets | $256,977,500 | 2,295 |
| Average equity | $74,570,000 | 896 |
| Average total loans | $206,436,500 | 2,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 1,950 |
| Cost of funding earning assets | 0.3970% | 7,428 |
| Net interest margin | 5.1898% | 289 |
| Noninterest income to average assets | 1.0950% | 1,244 |
| Noninterest expense to average assets | 3.3206% | 2,665 |
| Loan and lease loss provision to assets | 0.0870% | 6,283 |
| Net operating income to assets | 1.5347% | 709 |
| Return on assets (ROA) | 1.6154% | 653 |
| Pretax return on assets | 2.6004% | 165 |
| Return on Equity (ROE) | 6.2589% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.2589% | 1,688 |
| Net charge-offs to loans | 0.0428% | 6,377 |
| Credit loss provision to net charge-offs | 257.4468% | 1,096 |
| Earnings coverage of net charge-offs (x) | 75.8191% | 320 |
| Efficiency ratio | 56.4551% | 6,536 |
| Assets per employee ($millions) | 3.8804% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 7,403 |
| Loan loss allowance to noncurrent loans | 45.9596% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.9078% | 2,411 |
| Noncurrent loans to loans | 0.9425% | 5,160 |
| Net loans and leases to total assets | 74.8692% | 1,504 |
| Net loans and leases to deposits | 102.8731% | 447 |
| Net loans and leases to core deposits | 109.1260% | 978 |
| Total domestic deposits to total assets | 72.7782% | 7,018 |
| Equity capital to assets | 26.5042% | 107 |
| Core capital (leverage) ratio | 24.6207% | 125 |
| Tier 1 risk-based capital ratio | 31.9083% | 431 |
| Total risk-based capital ratio | 32.3412% | 455 |
| Memoranda: | ||
| Average total assets | $278,261,000 | 2,296 |
| Average earning assets | $256,655,600 | 2,285 |
| Average equity | $71,817,200 | 935 |
| Average total loans | $219,664,200 | 1,972 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6008% | 2,055 |
| Cost of funding earning assets | 0.4262% | 7,542 |
| Net interest margin | 5.1746% | 315 |
| Noninterest income to average assets | 1.1142% | 1,130 |
| Noninterest expense to average assets | 3.3402% | 2,456 |
| Loan and lease loss provision to assets | 0.0475% | 6,607 |
| Net operating income to assets | 1.5672% | 792 |
| Return on assets (ROA) | 1.6034% | 811 |
| Pretax return on assets | 2.5642% | 207 |
| Return on Equity (ROE) | 6.2550% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.2550% | 2,228 |
| Net charge-offs to loans | 0.0564% | 5,954 |
| Credit loss provision to net charge-offs | 105.3191% | 4,067 |
| Earnings coverage of net charge-offs (x) | 56.6703% | 512 |
| Efficiency ratio | 56.6593% | 6,464 |
| Assets per employee ($millions) | 4.0485% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4151% | 7,519 |
| Loan loss allowance to noncurrent loans | 43.2316% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.6920% | 2,682 |
| Noncurrent loans to loans | 0.9603% | 5,312 |
| Net loans and leases to total assets | 77.8864% | 1,057 |
| Net loans and leases to deposits | 106.4936% | 341 |
| Net loans and leases to core deposits | 112.5384% | 906 |
| Total domestic deposits to total assets | 73.1372% | 7,017 |
| Equity capital to assets | 26.1000% | 123 |
| Core capital (leverage) ratio | 24.3844% | 132 |
| Tier 1 risk-based capital ratio | 31.1230% | 466 |
| Total risk-based capital ratio | 31.5470% | 487 |
| Memoranda: | ||
| Average total assets | $277,978,750 | 2,332 |
| Average earning assets | $256,836,250 | 2,316 |
| Average equity | $71,259,000 | 946 |
| Average total loans | $222,058,500 | 1,982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 2,117 |
| Cost of funding earning assets | 0.4563% | 7,595 |
| Net interest margin | 5.1502% | 310 |
| Noninterest income to average assets | 1.1228% | 1,037 |
| Noninterest expense to average assets | 3.3396% | 2,433 |
| Loan and lease loss provision to assets | 0.0043% | 6,837 |
| Net operating income to assets | 1.6165% | 696 |
| Return on assets (ROA) | 1.6345% | 725 |
| Pretax return on assets | 2.5735% | 210 |
| Return on Equity (ROE) | 6.4151% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.4151% | 2,114 |
| Net charge-offs to loans | 0.0036% | 6,326 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 884.5000% | 30 |
| Efficiency ratio | 56.7058% | 6,546 |
| Assets per employee ($millions) | 3.9653% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 7,594 |
| Loan loss allowance to noncurrent loans | 29.1990% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 3.0980% | 2,289 |
| Noncurrent loans to loans | 1.4019% | 4,600 |
| Net loans and leases to total assets | 78.1245% | 1,095 |
| Net loans and leases to deposits | 105.8465% | 399 |
| Net loans and leases to core deposits | 111.1495% | 1,087 |
| Total domestic deposits to total assets | 73.8092% | 6,996 |
| Equity capital to assets | 25.5166% | 128 |
| Core capital (leverage) ratio | 23.9620% | 140 |
| Tier 1 risk-based capital ratio | 30.4353% | 486 |
| Total risk-based capital ratio | 30.8516% | 516 |
| Memoranda: | ||
| Average total assets | $277,522,000 | 2,353 |
| Average earning assets | $256,846,670 | 2,334 |
| Average equity | $70,708,670 | 948 |
| Average total loans | $223,250,670 | 1,998 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5794% | 2,245 |
| Cost of funding earning assets | 0.4960% | 7,677 |
| Net interest margin | 5.0834% | 357 |
| Noninterest income to average assets | 1.1368% | 965 |
| Noninterest expense to average assets | 3.2739% | 2,620 |
| Loan and lease loss provision to assets | 0.0044% | 6,535 |
| Net operating income to assets | 1.5944% | 763 |
| Return on assets (ROA) | 1.6130% | 782 |
| Pretax return on assets | 2.6046% | 213 |
| Return on Equity (ROE) | 6.3355% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.3355% | 2,455 |
| Net charge-offs to loans | 0.0018% | 5,599 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 1,777.0000% | 7 |
| Efficiency ratio | 55.9276% | 6,775 |
| Assets per employee ($millions) | 3.8479% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 7,685 |
| Loan loss allowance to noncurrent loans | 31.5863% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.9251% | 2,450 |
| Noncurrent loans to loans | 1.2817% | 4,836 |
| Net loans and leases to total assets | 80.2735% | 807 |
| Net loans and leases to deposits | 108.5446% | 329 |
| Net loans and leases to core deposits | 113.5142% | 1,065 |
| Total domestic deposits to total assets | 73.9544% | 7,053 |
| Equity capital to assets | 25.5182% | 138 |
| Core capital (leverage) ratio | 23.8869% | 153 |
| Tier 1 risk-based capital ratio | 29.8292% | 533 |
| Total risk-based capital ratio | 30.2456% | 571 |
| Memoranda: | ||
| Average total assets | $275,516,000 | 2,425 |
| Average earning assets | $255,656,500 | 2,395 |
| Average equity | $70,144,000 | 954 |
| Average total loans | $224,450,500 | 2,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0297% | 1,750 |
| Cost of funding earning assets | 0.9336% | 7,337 |
| Net interest margin | 5.0962% | 366 |
| Noninterest income to average assets | 1.1151% | 1,232 |
| Noninterest expense to average assets | 3.3408% | 2,872 |
| Loan and lease loss provision to assets | 0.0962% | 6,648 |
| Net operating income to assets | 1.4784% | 702 |
| Return on assets (ROA) | 1.5640% | 636 |
| Pretax return on assets | 2.5854% | 143 |
| Return on Equity (ROE) | 6.4069% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.4069% | 1,186 |
| Net charge-offs to loans | 0.0241% | 6,900 |
| Credit loss provision to net charge-offs | 475.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 125.7500% | 230 |
| Efficiency ratio | 56.7338% | 6,925 |
| Assets per employee ($millions) | 3.7532% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3998% | 7,757 |
| Loan loss allowance to noncurrent loans | 37.5052% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 3,222 |
| Noncurrent loans to loans | 1.0660% | 5,190 |
| Net loans and leases to total assets | 82.0117% | 684 |
| Net loans and leases to deposits | 110.9910% | 348 |
| Net loans and leases to core deposits | 133.4937% | 1,088 |
| Total domestic deposits to total assets | 73.8904% | 7,028 |
| Equity capital to assets | 25.3994% | 154 |
| Core capital (leverage) ratio | 24.1080% | 170 |
| Tier 1 risk-based capital ratio | 30.3097% | 507 |
| Total risk-based capital ratio | 30.7308% | 538 |
| Memoranda: | ||
| Average total assets | $276,399,600 | 2,370 |
| Average earning assets | $258,900,400 | 2,337 |
| Average equity | $67,474,400 | 979 |
| Average total loans | $231,918,200 | 2,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1199% | 1,579 |
| Cost of funding earning assets | 1.0398% | 7,304 |
| Net interest margin | 5.0801% | 385 |
| Noninterest income to average assets | 1.1557% | 1,180 |
| Noninterest expense to average assets | 3.3053% | 2,901 |
| Loan and lease loss provision to assets | 0.0785% | 6,583 |
| Net operating income to assets | 1.5797% | 687 |
| Return on assets (ROA) | 1.6765% | 627 |
| Pretax return on assets | 2.6873% | 147 |
| Return on Equity (ROE) | 6.9368% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.9368% | 1,531 |
| Net charge-offs to loans | 0.0314% | 6,453 |
| Credit loss provision to net charge-offs | 296.3636% | 1,398 |
| Earnings coverage of net charge-offs (x) | 98.7657% | 363 |
| Efficiency ratio | 55.8338% | 7,022 |
| Assets per employee ($millions) | 3.6643% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 7,860 |
| Loan loss allowance to noncurrent loans | 22.2099% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 2.1467% | 3,163 |
| Noncurrent loans to loans | 1.6068% | 4,228 |
| Net loans and leases to total assets | 82.3792% | 756 |
| Net loans and leases to deposits | 111.4233% | 415 |
| Net loans and leases to core deposits | 133.9665% | 1,210 |
| Total domestic deposits to total assets | 73.9336% | 6,953 |
| Equity capital to assets | 25.3539% | 167 |
| Core capital (leverage) ratio | 24.4822% | 180 |
| Tier 1 risk-based capital ratio | 31.5482% | 488 |
| Total risk-based capital ratio | 31.9327% | 519 |
| Memoranda: | ||
| Average total assets | $277,003,750 | 2,386 |
| Average earning assets | $259,779,500 | 2,341 |
| Average equity | $66,945,500 | 999 |
| Average total loans | $233,497,750 | 2,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 1,194 |
| Cost of funding earning assets | 1.1462% | 7,259 |
| Net interest margin | 5.1597% | 320 |
| Noninterest income to average assets | 1.0697% | 1,386 |
| Noninterest expense to average assets | 3.2213% | 3,268 |
| Loan and lease loss provision to assets | 0.1090% | 6,064 |
| Net operating income to assets | 1.5883% | 696 |
| Return on assets (ROA) | 1.7186% | 591 |
| Pretax return on assets | 2.7747% | 134 |
| Return on Equity (ROE) | 7.2259% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.2259% | 1,497 |
| Net charge-offs to loans | 0.0406% | 5,900 |
| Credit loss provision to net charge-offs | 316.6667% | 1,470 |
| Earnings coverage of net charge-offs (x) | 77.8750% | 495 |
| Efficiency ratio | 54.5863% | 7,272 |
| Assets per employee ($millions) | 3.8840% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3497% | 7,946 |
| Loan loss allowance to noncurrent loans | 23.2817% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5645% | 3,882 |
| Noncurrent loans to loans | 1.5020% | 4,245 |
| Net loans and leases to total assets | 81.1131% | 1,115 |
| Net loans and leases to deposits | 108.2374% | 638 |
| Net loans and leases to core deposits | 130.9873% | 1,487 |
| Total domestic deposits to total assets | 74.9400% | 6,773 |
| Equity capital to assets | 24.1889% | 224 |
| Core capital (leverage) ratio | 23.3554% | 243 |
| Tier 1 risk-based capital ratio | 31.2704% | 525 |
| Total risk-based capital ratio | 31.6557% | 562 |
| Memoranda: | ||
| Average total assets | $278,952,670 | 2,383 |
| Average earning assets | $261,214,330 | 2,341 |
| Average equity | $66,344,330 | 1,012 |
| Average total loans | $236,604,670 | 2,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4854% | 896 |
| Cost of funding earning assets | 1.2499% | 7,173 |
| Net interest margin | 5.2355% | 266 |
| Noninterest income to average assets | 1.0222% | 1,421 |
| Noninterest expense to average assets | 3.1916% | 3,026 |
| Loan and lease loss provision to assets | 0.1622% | 4,860 |
| Net operating income to assets | 1.5564% | 848 |
| Return on assets (ROA) | 1.7301% | 667 |
| Pretax return on assets | 2.7867% | 156 |
| Return on Equity (ROE) | 7.3370% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.3370% | 2,082 |
| Net charge-offs to loans | 0.1742% | 3,591 |
| Credit loss provision to net charge-offs | 107.6190% | 3,560 |
| Earnings coverage of net charge-offs (x) | 17.7619% | 1,494 |
| Efficiency ratio | 54.3787% | 7,181 |
| Assets per employee ($millions) | 2.8779% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 8,041 |
| Loan loss allowance to noncurrent loans | 30.3436% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 4,256 |
| Noncurrent loans to loans | 0.9437% | 5,110 |
| Net loans and leases to total assets | 83.9604% | 694 |
| Net loans and leases to deposits | 110.9047% | 568 |
| Net loans and leases to core deposits | 133.8033% | 1,421 |
| Total domestic deposits to total assets | 75.7051% | 6,574 |
| Equity capital to assets | 23.5628% | 261 |
| Core capital (leverage) ratio | 22.8426% | 286 |
| Tier 1 risk-based capital ratio | 30.2526% | 610 |
| Total risk-based capital ratio | 30.5749% | 646 |
| Memoranda: | ||
| Average total assets | $278,604,500 | 2,394 |
| Average earning assets | $257,931,500 | 2,387 |
| Average equity | $65,694,500 | 1,032 |
| Average total loans | $241,093,000 | 2,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7975% | 1,682 |
| Cost of funding earning assets | 1.7290% | 7,190 |
| Net interest margin | 5.0685% | 437 |
| Noninterest income to average assets | 0.6757% | 3,290 |
| Noninterest expense to average assets | 3.3187% | 2,906 |
| Loan and lease loss provision to assets | 0.1035% | 6,054 |
| Net operating income to assets | 1.0025% | 2,547 |
| Return on assets (ROA) | 1.0227% | 2,346 |
| Pretax return on assets | 1.9989% | 604 |
| Return on Equity (ROE) | 4.3034% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.3034% | 2,438 |
| Net charge-offs to loans | 0.0929% | 5,404 |
| Credit loss provision to net charge-offs | 125.2252% | 4,268 |
| Earnings coverage of net charge-offs (x) | 25.0541% | 1,352 |
| Efficiency ratio | 61.5778% | 6,035 |
| Assets per employee ($millions) | 2.7795% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2787% | 8,100 |
| Loan loss allowance to noncurrent loans | 127.9550% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 5,392 |
| Noncurrent loans to loans | 0.2178% | 6,741 |
| Net loans and leases to total assets | 88.6807% | 306 |
| Net loans and leases to deposits | 117.4048% | 462 |
| Net loans and leases to core deposits | 142.5208% | 1,150 |
| Total domestic deposits to total assets | 75.5341% | 6,334 |
| Equity capital to assets | 23.5973% | 299 |
| Core capital (leverage) ratio | 22.9903% | 309 |
| Tier 1 risk-based capital ratio | 29.6083% | 661 |
| Total risk-based capital ratio | 29.9298% | 711 |
| Memoranda: | ||
| Average total assets | $268,601,200 | 2,394 |
| Average earning assets | $249,798,200 | 2,373 |
| Average equity | $63,833,400 | 1,046 |
| Average total loans | $238,974,600 | 1,976 |