Home > First Seacoast Bank > Performance and Condition Ratios
First Seacoast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 4,091 |
| Cost of funding earning assets | 1.7106% | 1,427 |
| Net interest margin | 2.1820% | 4,331 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.9106% | 1,255 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.3670% | 4,496 |
| Return on assets (ROA) | -0.9620% | 4,524 |
| Pretax return on assets | -1.2115% | 4,529 |
| Return on Equity (ROE) | -10.8500% | 4,510 |
| Retained earnings to average equity (ytd only) | -10.8502% | 4,473 |
| Net charge-offs to loans | 0.0002% | 2,905 |
| Credit loss provision to net charge-offs | 10,600.0000% | 52 |
| Earnings coverage of net charge-offs (x) | -2,449.0000% | 4,612 |
| Efficiency ratio | 117.6866% | 82 |
| Assets per employee ($millions) | 7.5661% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 3,995 |
| Loan loss allowance to noncurrent loans | 2,404.2553% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,541 |
| Noncurrent loans to loans | 0.0328% | 3,501 |
| Net loans and leases to total assets | 74.1300% | 1,344 |
| Net loans and leases to deposits | 99.9072% | 542 |
| Net loans and leases to core deposits | 110.4439% | 944 |
| Total domestic deposits to total assets | 74.2000% | 4,093 |
| Equity capital to assets | 8.9573% | 2,704 |
| Core capital (leverage) ratio | 9.7793% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1154% | 1,244 |
| Memoranda: | ||
| Average total assets | $554,046,400 | 1,599 |
| Average earning assets | $530,808,800 | 1,547 |
| Average equity | $49,123,600 | 1,633 |
| Average total loans | $416,523,800 | 1,436 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 4,140 |
| Cost of funding earning assets | 1.5349% | 1,521 |
| Net interest margin | 2.2339% | 4,334 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.9564% | 1,128 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.2398% | 4,505 |
| Return on assets (ROA) | -0.2398% | 4,491 |
| Pretax return on assets | -0.4018% | 4,501 |
| Return on Equity (ROE) | -2.7100% | 4,466 |
| Retained earnings to average equity (ytd only) | -2.7118% | 4,356 |
| Net charge-offs to loans | 0.0006% | 2,632 |
| Credit loss provision to net charge-offs | 3,300.0000% | 144 |
| Earnings coverage of net charge-offs (x) | -802.0000% | 4,636 |
| Efficiency ratio | 114.9740% | 87 |
| Assets per employee ($millions) | 6.5500% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 4,014 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,817 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.2700% | 1,087 |
| Net loans and leases to deposits | 97.5070% | 642 |
| Net loans and leases to core deposits | 106.7135% | 986 |
| Total domestic deposits to total assets | 78.2200% | 3,794 |
| Equity capital to assets | 8.4791% | 2,741 |
| Core capital (leverage) ratio | 11.1165% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9249% | 959 |
| Memoranda: | ||
| Average total assets | $548,801,750 | 1,616 |
| Average earning assets | $525,289,250 | 1,560 |
| Average equity | $48,527,750 | 1,636 |
| Average total loans | $413,238,000 | 1,439 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,140 |
| Cost of funding earning assets | 1.3208% | 1,655 |
| Net interest margin | 2.3809% | 4,314 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.9230% | 1,166 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | -0.0278% | 4,489 |
| Return on assets (ROA) | -0.0278% | 4,478 |
| Pretax return on assets | -0.1157% | 4,493 |
| Return on Equity (ROE) | -0.3100% | 4,452 |
| Retained earnings to average equity (ytd only) | -0.3104% | 4,141 |
| Net charge-offs to loans | 0.0010% | 2,392 |
| Credit loss provision to net charge-offs | 1,800.0000% | 286 |
| Earnings coverage of net charge-offs (x) | -148.0000% | 4,658 |
| Efficiency ratio | 103.6690% | 129 |
| Assets per employee ($millions) | 6.4265% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,036 |
| Loan loss allowance to noncurrent loans | 110,633.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,811 |
| Noncurrent loans to loans | 0.0007% | 3,839 |
| Net loans and leases to total assets | 74.8800% | 1,182 |
| Net loans and leases to deposits | 100.7820% | 479 |
| Net loans and leases to core deposits | 108.1388% | 901 |
| Total domestic deposits to total assets | 74.3000% | 4,174 |
| Equity capital to assets | 9.5501% | 2,128 |
| Core capital (leverage) ratio | 11.3749% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6877% | 858 |
| Memoranda: | ||
| Average total assets | $546,153,000 | 1,616 |
| Average earning assets | $522,569,333 | 1,569 |
| Average equity | $48,968,000 | 1,620 |
| Average total loans | $408,320,333 | 1,440 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 4,163 |
| Cost of funding earning assets | 1.1094% | 1,726 |
| Net interest margin | 2.4823% | 4,325 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.8396% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3419% | 4,185 |
| Return on assets (ROA) | 0.3419% | 4,138 |
| Pretax return on assets | 0.3713% | 4,169 |
| Return on Equity (ROE) | 3.9400% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.9438% | 3,285 |
| Net charge-offs to loans | -0.0010% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.2285% | 410 |
| Assets per employee ($millions) | 6.7702% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 4,068 |
| Loan loss allowance to noncurrent loans | 3,734.0909% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,670 |
| Noncurrent loans to loans | 0.0217% | 3,620 |
| Net loans and leases to total assets | 73.4000% | 1,275 |
| Net loans and leases to deposits | 91.8304% | 927 |
| Net loans and leases to core deposits | 98.3269% | 1,160 |
| Total domestic deposits to total assets | 79.9300% | 3,769 |
| Equity capital to assets | 9.8786% | 1,882 |
| Core capital (leverage) ratio | 11.6436% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7611% | 765 |
| Memoranda: | ||
| Average total assets | $542,891,000 | 1,647 |
| Average earning assets | $519,201,000 | 1,599 |
| Average equity | $47,061,500 | 1,687 |
| Average total loans | $403,906,000 | 1,464 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 3,178 |
| Cost of funding earning assets | 0.3569% | 2,425 |
| Net interest margin | 3.1048% | 3,166 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 3.2757% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0178% | 4,551 |
| Return on assets (ROA) | -0.0975% | 4,581 |
| Pretax return on assets | -0.1976% | 4,591 |
| Return on Equity (ROE) | -1.1400% | 4,576 |
| Retained earnings to average equity (ytd only) | -1.1440% | 4,456 |
| Net charge-offs to loans | 0.0026% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -26.4000% | 4,709 |
| Efficiency ratio | 101.3941% | 138 |
| Assets per employee ($millions) | 6.7174% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 3,812 |
| Loan loss allowance to noncurrent loans | 4,022.4719% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,685 |
| Noncurrent loans to loans | 0.0221% | 3,642 |
| Net loans and leases to total assets | 74.1400% | 1,204 |
| Net loans and leases to deposits | 101.2724% | 394 |
| Net loans and leases to core deposits | 108.4162% | 661 |
| Total domestic deposits to total assets | 73.2100% | 4,381 |
| Equity capital to assets | 7.4340% | 3,413 |
| Core capital (leverage) ratio | 9.2012% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5322% | 1,468 |
| Memoranda: | ||
| Average total assets | $511,710,200 | 1,691 |
| Average earning assets | $489,532,000 | 1,654 |
| Average equity | $43,620,000 | 1,799 |
| Average total loans | $387,640,800 | 1,434 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 2,969 |
| Cost of funding earning assets | 0.2254% | 2,983 |
| Net interest margin | 3.1546% | 2,765 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.9873% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2790% | 4,402 |
| Return on assets (ROA) | 0.2916% | 4,349 |
| Pretax return on assets | 0.3182% | 4,356 |
| Return on Equity (ROE) | 3.3100% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.3080% | 3,696 |
| Net charge-offs to loans | 0.0021% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 192.3333% | 634 |
| Efficiency ratio | 90.5411% | 306 |
| Assets per employee ($millions) | 6.4649% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 3,832 |
| Loan loss allowance to noncurrent loans | 71,680.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,033 |
| Noncurrent loans to loans | 0.0013% | 3,974 |
| Net loans and leases to total assets | 74.8100% | 1,029 |
| Net loans and leases to deposits | 98.1947% | 450 |
| Net loans and leases to core deposits | 103.9181% | 654 |
| Total domestic deposits to total assets | 76.1800% | 4,361 |
| Equity capital to assets | 7.3583% | 3,295 |
| Core capital (leverage) ratio | 9.8105% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3715% | 1,318 |
| Memoranda: | ||
| Average total assets | $505,289,000 | 1,711 |
| Average earning assets | $483,853,750 | 1,676 |
| Average equity | $44,537,500 | 1,788 |
| Average total loans | $384,050,250 | 1,442 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 2,595 |
| Cost of funding earning assets | 0.1633% | 3,394 |
| Net interest margin | 3.1805% | 2,252 |
| Noninterest income to average assets | 0.2829% | 3,477 |
| Noninterest expense to average assets | 3.0495% | 795 |
| Loan and lease loss provision to assets | 0.0240% | 2,165 |
| Net operating income to assets | 0.2367% | 4,376 |
| Return on assets (ROA) | 0.2556% | 4,313 |
| Pretax return on assets | 0.2809% | 4,321 |
| Return on Equity (ROE) | 2.7418% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.7418% | 3,532 |
| Net charge-offs to loans | 0.0037% | 1,906 |
| Credit loss provision to net charge-offs | 857.1429% | 456 |
| Earnings coverage of net charge-offs (x) | 101.2857% | 807 |
| Efficiency ratio | 91.2740% | 360 |
| Assets per employee ($millions) | 6.1487% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,807 |
| Loan loss allowance to noncurrent loans | 605.1495% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,881 |
| Noncurrent loans to loans | 0.1566% | 2,909 |
| Net loans and leases to total assets | 74.6360% | 847 |
| Net loans and leases to deposits | 95.1838% | 465 |
| Net loans and leases to core deposits | 101.0088% | 627 |
| Total domestic deposits to total assets | 78.4125% | 4,334 |
| Equity capital to assets | 8.3621% | 2,861 |
| Core capital (leverage) ratio | 10.0110% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7010% | 1,254 |
| Memoranda: | ||
| Average total assets | $499,167,000 | 1,728 |
| Average earning assets | $478,788,667 | 1,703 |
| Average equity | $46,539,333 | 1,777 |
| Average total loans | $380,294,000 | 1,439 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 2,268 |
| Cost of funding earning assets | 0.1502% | 3,504 |
| Net interest margin | 3.1877% | 1,919 |
| Noninterest income to average assets | 0.2836% | 3,433 |
| Noninterest expense to average assets | 2.9726% | 852 |
| Loan and lease loss provision to assets | 0.0486% | 1,497 |
| Net operating income to assets | 0.2826% | 4,179 |
| Return on assets (ROA) | 0.3193% | 4,073 |
| Pretax return on assets | 0.3663% | 4,090 |
| Return on Equity (ROE) | 3.2514% | 4,035 |
| Retained earnings to average equity (ytd only) | 3.2514% | 3,179 |
| Net charge-offs to loans | 0.0085% | 1,438 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 867 |
| Efficiency ratio | 88.8566% | 602 |
| Assets per employee ($millions) | 6.0206% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,878 |
| Loan loss allowance to noncurrent loans | 458.1132% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 2,688 |
| Noncurrent loans to loans | 0.2095% | 2,773 |
| Net loans and leases to total assets | 75.2069% | 557 |
| Net loans and leases to deposits | 93.7414% | 374 |
| Net loans and leases to core deposits | 99.7735% | 522 |
| Total domestic deposits to total assets | 80.2280% | 4,270 |
| Equity capital to assets | 9.2778% | 2,463 |
| Core capital (leverage) ratio | 10.1127% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2970% | 1,188 |
| Memoranda: | ||
| Average total assets | $493,581,500 | 1,750 |
| Average earning assets | $474,079,000 | 1,718 |
| Average equity | $48,471,500 | 1,774 |
| Average total loans | $378,171,500 | 1,433 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 2,793 |
| Cost of funding earning assets | 0.2713% | 2,691 |
| Net interest margin | 3.1824% | 2,650 |
| Noninterest income to average assets | 0.3114% | 3,542 |
| Noninterest expense to average assets | 2.7611% | 1,451 |
| Loan and lease loss provision to assets | 0.0433% | 2,189 |
| Net operating income to assets | 0.4603% | 4,161 |
| Return on assets (ROA) | 0.5540% | 4,019 |
| Pretax return on assets | 0.6809% | 3,969 |
| Return on Equity (ROE) | 5.2812% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.2812% | 2,682 |
| Net charge-offs to loans | -0.0116% | 3,794 |
| Credit loss provision to net charge-offs | -476.7442% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9424% | 679 |
| Assets per employee ($millions) | 6.0180% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 3,925 |
| Loan loss allowance to noncurrent loans | 428.4010% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 2,731 |
| Noncurrent loans to loans | 0.2223% | 2,851 |
| Net loans and leases to total assets | 76.5807% | 479 |
| Net loans and leases to deposits | 92.2662% | 454 |
| Net loans and leases to core deposits | 98.1826% | 602 |
| Total domestic deposits to total assets | 82.9997% | 3,808 |
| Equity capital to assets | 10.3765% | 2,298 |
| Core capital (leverage) ratio | 9.9241% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8663% | 1,076 |
| Memoranda: | ||
| Average total assets | $473,649,000 | 1,761 |
| Average earning assets | $455,165,400 | 1,727 |
| Average equity | $49,685,400 | 1,778 |
| Average total loans | $372,088,600 | 1,452 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 2,849 |
| Cost of funding earning assets | 0.2204% | 3,421 |
| Net interest margin | 3.2746% | 2,496 |
| Noninterest income to average assets | 0.3094% | 3,577 |
| Noninterest expense to average assets | 2.7840% | 1,378 |
| Loan and lease loss provision to assets | 0.0410% | 2,178 |
| Net operating income to assets | 0.5018% | 4,201 |
| Return on assets (ROA) | 0.6261% | 4,012 |
| Pretax return on assets | 0.7866% | 3,916 |
| Return on Equity (ROE) | 5.9520% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.9520% | 2,839 |
| Net charge-offs to loans | -0.0147% | 3,841 |
| Credit loss provision to net charge-offs | -353.6585% | 3,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5480% | 712 |
| Assets per employee ($millions) | 6.2512% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 74.7662% | 632 |
| Net loans and leases to deposits | 91.9081% | 502 |
| Net loans and leases to core deposits | 97.1604% | 694 |
| Total domestic deposits to total assets | 81.3488% | 4,044 |
| Equity capital to assets | 10.1293% | 2,779 |
| Core capital (leverage) ratio | 10.0710% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9863% | 1,136 |
| Memoranda: | ||
| Average total assets | $470,197,250 | 1,794 |
| Average earning assets | $451,872,500 | 1,755 |
| Average equity | $49,461,500 | 1,797 |
| Average total loans | $370,889,000 | 1,481 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 2,688 |
| Cost of funding earning assets | 0.2310% | 3,457 |
| Net interest margin | 3.3490% | 2,303 |
| Noninterest income to average assets | 0.3128% | 3,557 |
| Noninterest expense to average assets | 2.7791% | 1,402 |
| Loan and lease loss provision to assets | 0.0368% | 2,258 |
| Net operating income to assets | 0.5689% | 4,049 |
| Return on assets (ROA) | 0.7540% | 3,701 |
| Pretax return on assets | 0.9396% | 3,569 |
| Return on Equity (ROE) | 7.0747% | 3,642 |
| Retained earnings to average equity (ytd only) | 7.0747% | 2,403 |
| Net charge-offs to loans | -0.0211% | 4,023 |
| Credit loss provision to net charge-offs | -217.9487% | 3,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8608% | 854 |
| Assets per employee ($millions) | 6.2130% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 77.8835% | 452 |
| Net loans and leases to deposits | 97.5221% | 332 |
| Net loans and leases to core deposits | 103.6648% | 542 |
| Total domestic deposits to total assets | 79.8624% | 4,251 |
| Equity capital to assets | 10.4810% | 2,412 |
| Core capital (leverage) ratio | 10.4569% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1543% | 1,082 |
| Memoranda: | ||
| Average total assets | $462,314,667 | 1,811 |
| Average earning assets | $443,301,000 | 1,778 |
| Average equity | $49,274,333 | 1,794 |
| Average total loans | $370,266,333 | 1,485 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 2,388 |
| Cost of funding earning assets | 0.2443% | 3,525 |
| Net interest margin | 3.4441% | 1,982 |
| Noninterest income to average assets | 0.3320% | 3,438 |
| Noninterest expense to average assets | 2.7217% | 1,568 |
| Loan and lease loss provision to assets | 0.0528% | 2,051 |
| Net operating income to assets | 0.6592% | 3,801 |
| Return on assets (ROA) | 0.8004% | 3,494 |
| Pretax return on assets | 1.0258% | 3,302 |
| Return on Equity (ROE) | 7.4446% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.4446% | 2,439 |
| Net charge-offs to loans | -0.0022% | 3,153 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1520% | 1,207 |
| Assets per employee ($millions) | 6.2844% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,098 |
| Loan loss allowance to noncurrent loans | 5,490.3226% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,286 |
| Noncurrent loans to loans | 0.0168% | 4,211 |
| Net loans and leases to total assets | 78.7341% | 421 |
| Net loans and leases to deposits | 97.6291% | 357 |
| Net loans and leases to core deposits | 104.0858% | 571 |
| Total domestic deposits to total assets | 80.6461% | 4,113 |
| Equity capital to assets | 10.5443% | 2,225 |
| Core capital (leverage) ratio | 10.8685% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8996% | 1,088 |
| Memoranda: | ||
| Average total assets | $454,272,500 | 1,830 |
| Average earning assets | $433,898,000 | 1,794 |
| Average equity | $48,841,000 | 1,795 |
| Average total loans | $367,369,500 | 1,498 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 3,332 |
| Cost of funding earning assets | 0.7471% | 1,466 |
| Net interest margin | 3.0427% | 3,774 |
| Noninterest income to average assets | 0.3129% | 3,598 |
| Noninterest expense to average assets | 2.9768% | 1,488 |
| Loan and lease loss provision to assets | 0.1084% | 2,988 |
| Net operating income to assets | 0.1513% | 4,626 |
| Return on assets (ROA) | 0.2438% | 4,575 |
| Pretax return on assets | 0.2384% | 4,619 |
| Return on Equity (ROE) | 2.2489% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.2489% | 3,728 |
| Net charge-offs to loans | 0.0036% | 3,243 |
| Credit loss provision to net charge-offs | 3,692.3077% | 282 |
| Earnings coverage of net charge-offs (x) | 86.6154% | 857 |
| Efficiency ratio | 92.1325% | 312 |
| Assets per employee ($millions) | 5.6858% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 4,145 |
| Loan loss allowance to noncurrent loans | 378.0543% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 3,288 |
| Noncurrent loans to loans | 0.2421% | 3,326 |
| Net loans and leases to total assets | 81.5883% | 324 |
| Net loans and leases to deposits | 106.5344% | 219 |
| Net loans and leases to core deposits | 109.8058% | 515 |
| Total domestic deposits to total assets | 76.5840% | 4,459 |
| Equity capital to assets | 10.9688% | 2,275 |
| Core capital (leverage) ratio | 10.5905% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9214% | 1,067 |
| Memoranda: | ||
| Average total assets | $442,960,800 | 1,727 |
| Average earning assets | $424,820,000 | 1,679 |
| Average equity | $48,022,800 | 1,755 |
| Average total loans | $363,290,000 | 1,469 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 3,661 |
| Cost of funding earning assets | 0.6124% | 2,530 |
| Net interest margin | 3.1471% | 3,628 |
| Noninterest income to average assets | 0.3300% | 3,506 |
| Noninterest expense to average assets | 2.9278% | 1,621 |
| Loan and lease loss provision to assets | 0.1158% | 2,874 |
| Net operating income to assets | 0.2767% | 4,482 |
| Return on assets (ROA) | 0.3556% | 4,403 |
| Pretax return on assets | 0.3941% | 4,440 |
| Return on Equity (ROE) | 3.2896% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.2896% | 3,396 |
| Net charge-offs to loans | 0.0051% | 2,957 |
| Credit loss provision to net charge-offs | 2,750.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 100.2143% | 787 |
| Efficiency ratio | 87.3910% | 441 |
| Assets per employee ($millions) | 6.1166% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,194 |
| Loan loss allowance to noncurrent loans | 349.0323% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,460 |
| Noncurrent loans to loans | 0.2466% | 3,420 |
| Net loans and leases to total assets | 78.3509% | 788 |
| Net loans and leases to deposits | 105.9579% | 325 |
| Net loans and leases to core deposits | 109.0900% | 726 |
| Total domestic deposits to total assets | 73.9453% | 4,569 |
| Equity capital to assets | 10.2034% | 3,063 |
| Core capital (leverage) ratio | 10.6804% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2862% | 1,421 |
| Memoranda: | ||
| Average total assets | $442,827,000 | 1,701 |
| Average earning assets | $424,969,500 | 1,656 |
| Average equity | $47,867,000 | 1,748 |
| Average total loans | $362,816,750 | 1,461 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,731 |
| Cost of funding earning assets | 0.7003% | 2,378 |
| Net interest margin | 3.1545% | 3,779 |
| Noninterest income to average assets | 0.3268% | 3,510 |
| Noninterest expense to average assets | 2.9680% | 1,659 |
| Loan and lease loss provision to assets | 0.1275% | 2,748 |
| Net operating income to assets | 0.2420% | 4,520 |
| Return on assets (ROA) | 0.3653% | 4,360 |
| Pretax return on assets | 0.3866% | 4,433 |
| Return on Equity (ROE) | 3.3112% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.3112% | 3,266 |
| Net charge-offs to loans | -0.0017% | 3,798 |
| Credit loss provision to net charge-offs | -9,166.6667% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5722% | 429 |
| Assets per employee ($millions) | 5.3567% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,259 |
| Loan loss allowance to noncurrent loans | 323.6140% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,506 |
| Noncurrent loans to loans | 0.2566% | 3,466 |
| Net loans and leases to total assets | 79.8477% | 606 |
| Net loans and leases to deposits | 109.6861% | 236 |
| Net loans and leases to core deposits | 113.7126% | 609 |
| Total domestic deposits to total assets | 72.7966% | 4,664 |
| Equity capital to assets | 10.2472% | 2,972 |
| Core capital (leverage) ratio | 10.6186% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2587% | 1,190 |
| Memoranda: | ||
| Average total assets | $431,403,667 | 1,710 |
| Average earning assets | $413,565,333 | 1,670 |
| Average equity | $47,596,000 | 1,750 |
| Average total loans | $358,070,333 | 1,463 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 3,715 |
| Cost of funding earning assets | 0.8017% | 2,385 |
| Net interest margin | 3.2250% | 3,797 |
| Noninterest income to average assets | 0.2761% | 3,869 |
| Noninterest expense to average assets | 3.0928% | 1,659 |
| Loan and lease loss provision to assets | 0.1118% | 2,283 |
| Net operating income to assets | 0.1479% | 4,602 |
| Return on assets (ROA) | 0.2499% | 4,473 |
| Pretax return on assets | 0.2722% | 4,491 |
| Return on Equity (ROE) | 2.1760% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.1760% | 3,380 |
| Net charge-offs to loans | -0.0219% | 4,362 |
| Credit loss provision to net charge-offs | -605.2632% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8833% | 435 |
| Assets per employee ($millions) | 5.2899% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 4,240 |
| Loan loss allowance to noncurrent loans | 291.5698% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 3,449 |
| Noncurrent loans to loans | 0.2957% | 3,442 |
| Net loans and leases to total assets | 83.8525% | 277 |
| Net loans and leases to deposits | 117.0309% | 105 |
| Net loans and leases to core deposits | 122.7983% | 389 |
| Total domestic deposits to total assets | 71.6499% | 4,787 |
| Equity capital to assets | 11.5087% | 2,429 |
| Core capital (leverage) ratio | 11.4892% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2623% | 1,106 |
| Memoranda: | ||
| Average total assets | $411,412,500 | 1,735 |
| Average earning assets | $394,168,500 | 1,686 |
| Average equity | $47,242,000 | 1,753 |
| Average total loans | $347,334,000 | 1,463 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 4,060 |
| Cost of funding earning assets | 1.0049% | 1,706 |
| Net interest margin | 3.0859% | 4,390 |
| Noninterest income to average assets | 0.3205% | 3,771 |
| Noninterest expense to average assets | 3.1360% | 1,675 |
| Loan and lease loss provision to assets | 0.0250% | 3,518 |
| Net operating income to assets | 0.1318% | 4,906 |
| Return on assets (ROA) | 0.1440% | 4,915 |
| Pretax return on assets | 0.1225% | 4,935 |
| Return on Equity (ROE) | 1.4838% | 4,865 |
| Retained earnings to average equity (ytd only) | 1.4838% | 4,212 |
| Net charge-offs to loans | 0.0093% | 3,352 |
| Credit loss provision to net charge-offs | 322.5806% | 862 |
| Earnings coverage of net charge-offs (x) | 17.4516% | 2,110 |
| Efficiency ratio | 95.8652% | 212 |
| Assets per employee ($millions) | 5.1277% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 4,213 |
| Loan loss allowance to noncurrent loans | 270.7156% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 3,397 |
| Noncurrent loans to loans | 0.3072% | 3,340 |
| Net loans and leases to total assets | 83.5660% | 363 |
| Net loans and leases to deposits | 116.6216% | 106 |
| Net loans and leases to core deposits | 122.2273% | 422 |
| Total domestic deposits to total assets | 71.6557% | 4,878 |
| Equity capital to assets | 11.4569% | 2,565 |
| Core capital (leverage) ratio | 11.4119% | 2,178 |
| Tier 1 risk-based capital ratio | 17.4131% | 1,922 |
| Total risk-based capital ratio | 18.5175% | 1,917 |
| Memoranda: | ||
| Average total assets | $399,961,800 | 1,742 |
| Average earning assets | $382,443,600 | 1,695 |
| Average equity | $38,820,400 | 1,984 |
| Average total loans | $333,239,400 | 1,489 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 4,125 |
| Cost of funding earning assets | 1.0492% | 1,541 |
| Net interest margin | 3.0637% | 4,536 |
| Noninterest income to average assets | 0.3093% | 3,894 |
| Noninterest expense to average assets | 3.1323% | 1,631 |
| Loan and lease loss provision to assets | 0.0084% | 3,722 |
| Net operating income to assets | 0.1325% | 4,994 |
| Return on assets (ROA) | 0.1459% | 5,006 |
| Pretax return on assets | 0.1094% | 5,035 |
| Return on Equity (ROE) | 1.5771% | 4,956 |
| Retained earnings to average equity (ytd only) | 1.5771% | 4,405 |
| Net charge-offs to loans | 0.0129% | 2,911 |
| Credit loss provision to net charge-offs | 78.1250% | 2,527 |
| Earnings coverage of net charge-offs (x) | 9.7178% | 2,554 |
| Efficiency ratio | 96.7762% | 186 |
| Assets per employee ($millions) | 5.0684% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 4,318 |
| Loan loss allowance to noncurrent loans | 250.1340% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,436 |
| Noncurrent loans to loans | 0.3310% | 3,350 |
| Net loans and leases to total assets | 83.7231% | 381 |
| Net loans and leases to deposits | 111.8537% | 184 |
| Net loans and leases to core deposits | 118.2420% | 591 |
| Total domestic deposits to total assets | 74.8505% | 4,756 |
| Equity capital to assets | 11.7190% | 2,488 |
| Core capital (leverage) ratio | 11.5619% | 2,175 |
| Tier 1 risk-based capital ratio | 17.7947% | 1,882 |
| Total risk-based capital ratio | 18.8947% | 1,872 |
| Memoranda: | ||
| Average total assets | $397,398,250 | 1,763 |
| Average earning assets | $379,701,750 | 1,721 |
| Average equity | $36,776,000 | 2,077 |
| Average total loans | $330,130,250 | 1,507 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 4,198 |
| Cost of funding earning assets | 1.1080% | 1,267 |
| Net interest margin | 2.9778% | 4,722 |
| Noninterest income to average assets | 0.2997% | 3,935 |
| Noninterest expense to average assets | 2.9223% | 2,219 |
| Loan and lease loss provision to assets | 0.0126% | 3,514 |
| Net operating income to assets | 0.2017% | 4,996 |
| Return on assets (ROA) | 0.1968% | 5,009 |
| Pretax return on assets | 0.2018% | 5,021 |
| Return on Equity (ROE) | 2.3358% | 4,901 |
| Retained earnings to average equity (ytd only) | 2.3358% | 4,008 |
| Net charge-offs to loans | -0.0006% | 3,879 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0143% | 257 |
| Assets per employee ($millions) | 5.2170% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 4,268 |
| Loan loss allowance to noncurrent loans | 907.6923% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,378 |
| Noncurrent loans to loans | 0.0935% | 4,265 |
| Net loans and leases to total assets | 81.3029% | 696 |
| Net loans and leases to deposits | 105.2554% | 369 |
| Net loans and leases to core deposits | 110.5241% | 947 |
| Total domestic deposits to total assets | 77.2435% | 4,529 |
| Equity capital to assets | 8.3565% | 5,093 |
| Core capital (leverage) ratio | 8.3759% | 5,023 |
| Tier 1 risk-based capital ratio | 12.9127% | 3,884 |
| Total risk-based capital ratio | 14.0255% | 3,864 |
| Memoranda: | ||
| Average total assets | $396,397,000 | 1,771 |
| Average earning assets | $378,337,330 | 1,730 |
| Average equity | $33,393,670 | 2,230 |
| Average total loans | $327,497,670 | 1,525 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 4,216 |
| Cost of funding earning assets | 1.1030% | 1,174 |
| Net interest margin | 2.9650% | 4,797 |
| Noninterest income to average assets | 0.2863% | 3,963 |
| Noninterest expense to average assets | 2.9208% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1901% | 5,017 |
| Return on assets (ROA) | 0.1820% | 5,032 |
| Pretax return on assets | 0.1861% | 5,041 |
| Return on Equity (ROE) | 2.1518% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.1518% | 4,027 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7623% | 282 |
| Assets per employee ($millions) | 5.2640% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,311 |
| Loan loss allowance to noncurrent loans | 887.9747% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 4,405 |
| Noncurrent loans to loans | 0.0966% | 4,314 |
| Net loans and leases to total assets | 82.1536% | 572 |
| Net loans and leases to deposits | 117.0252% | 115 |
| Net loans and leases to core deposits | 123.2651% | 441 |
| Total domestic deposits to total assets | 70.2016% | 5,102 |
| Equity capital to assets | 8.4725% | 5,003 |
| Core capital (leverage) ratio | 8.5528% | 4,980 |
| Tier 1 risk-based capital ratio | 13.2048% | 3,771 |
| Total risk-based capital ratio | 14.3313% | 3,748 |
| Memoranda: | ||
| Average total assets | $391,131,000 | 1,804 |
| Average earning assets | $373,156,500 | 1,758 |
| Average equity | $33,088,000 | 2,248 |
| Average total loans | $324,408,000 | 1,547 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,918 |
| Cost of funding earning assets | 0.8801% | 1,176 |
| Net interest margin | 3.1585% | 4,560 |
| Noninterest income to average assets | 0.3688% | 3,626 |
| Noninterest expense to average assets | 3.0261% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2883% | 5,024 |
| Return on assets (ROA) | 0.2881% | 5,020 |
| Pretax return on assets | 0.3499% | 5,001 |
| Return on Equity (ROE) | 3.3754% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.3754% | 3,729 |
| Net charge-offs to loans | -0.0006% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6290% | 362 |
| Assets per employee ($millions) | 5.0320% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,289 |
| Loan loss allowance to noncurrent loans | 4,126.4706% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,799 |
| Noncurrent loans to loans | 0.0211% | 4,693 |
| Net loans and leases to total assets | 82.2949% | 614 |
| Net loans and leases to deposits | 115.3465% | 151 |
| Net loans and leases to core deposits | 121.0726% | 516 |
| Total domestic deposits to total assets | 71.3458% | 5,109 |
| Equity capital to assets | 8.4464% | 4,970 |
| Core capital (leverage) ratio | 8.6806% | 4,896 |
| Tier 1 risk-based capital ratio | 13.2706% | 3,684 |
| Total risk-based capital ratio | 14.4109% | 3,635 |
| Memoranda: | ||
| Average total assets | $375,270,200 | 1,812 |
| Average earning assets | $357,326,400 | 1,778 |
| Average equity | $32,026,000 | 2,217 |
| Average total loans | $315,338,200 | 1,533 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,954 |
| Cost of funding earning assets | 0.8337% | 1,178 |
| Net interest margin | 3.1594% | 4,599 |
| Noninterest income to average assets | 0.3568% | 3,745 |
| Noninterest expense to average assets | 3.0003% | 2,016 |
| Loan and lease loss provision to assets | 0.0358% | 3,292 |
| Net operating income to assets | 0.2689% | 5,131 |
| Return on assets (ROA) | 0.2687% | 5,127 |
| Pretax return on assets | 0.3270% | 5,112 |
| Return on Equity (ROE) | 3.1396% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.1396% | 4,177 |
| Net charge-offs to loans | -0.0009% | 4,011 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2013% | 356 |
| Assets per employee ($millions) | 5.0308% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,217 |
| Loan loss allowance to noncurrent loans | 236.4524% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,403 |
| Noncurrent loans to loans | 0.3861% | 3,269 |
| Net loans and leases to total assets | 82.4837% | 632 |
| Net loans and leases to deposits | 112.8506% | 212 |
| Net loans and leases to core deposits | 116.9753% | 668 |
| Total domestic deposits to total assets | 73.0911% | 5,053 |
| Equity capital to assets | 8.3397% | 5,017 |
| Core capital (leverage) ratio | 8.6836% | 4,967 |
| Tier 1 risk-based capital ratio | 13.1560% | 3,810 |
| Total risk-based capital ratio | 14.3394% | 3,769 |
| Memoranda: | ||
| Average total assets | $372,221,500 | 1,832 |
| Average earning assets | $354,230,750 | 1,796 |
| Average equity | $31,850,750 | 2,228 |
| Average total loans | $313,755,250 | 1,541 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 3,894 |
| Cost of funding earning assets | 0.7888% | 1,180 |
| Net interest margin | 3.1735% | 4,567 |
| Noninterest income to average assets | 0.3628% | 3,732 |
| Noninterest expense to average assets | 3.0327% | 1,961 |
| Loan and lease loss provision to assets | 0.0380% | 3,151 |
| Net operating income to assets | 0.2586% | 5,174 |
| Return on assets (ROA) | 0.2586% | 5,170 |
| Pretax return on assets | 0.3134% | 5,151 |
| Return on Equity (ROE) | 2.9963% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.9963% | 4,058 |
| Net charge-offs to loans | -0.0006% | 3,869 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6170% | 386 |
| Assets per employee ($millions) | 5.3897% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,308 |
| Loan loss allowance to noncurrent loans | 246.1473% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 3,529 |
| Noncurrent loans to loans | 0.3689% | 3,370 |
| Net loans and leases to total assets | 83.1510% | 562 |
| Net loans and leases to deposits | 117.7951% | 134 |
| Net loans and leases to core deposits | 122.0953% | 516 |
| Total domestic deposits to total assets | 70.5896% | 5,257 |
| Equity capital to assets | 8.4499% | 4,980 |
| Core capital (leverage) ratio | 8.7348% | 4,939 |
| Tier 1 risk-based capital ratio | 13.1773% | 3,807 |
| Total risk-based capital ratio | 14.3625% | 3,755 |
| Memoranda: | ||
| Average total assets | $368,848,000 | 1,848 |
| Average earning assets | $351,155,000 | 1,817 |
| Average equity | $31,839,000 | 2,232 |
| Average total loans | $312,248,330 | 1,550 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 3,821 |
| Cost of funding earning assets | 0.7237% | 1,324 |
| Net interest margin | 3.2142% | 4,415 |
| Noninterest income to average assets | 0.4037% | 3,438 |
| Noninterest expense to average assets | 3.1155% | 1,785 |
| Loan and lease loss provision to assets | 0.0439% | 2,884 |
| Net operating income to assets | 0.2435% | 5,193 |
| Return on assets (ROA) | 0.2435% | 5,192 |
| Pretax return on assets | 0.3039% | 5,165 |
| Return on Equity (ROE) | 2.7908% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.7908% | 4,074 |
| Net charge-offs to loans | -0.0013% | 3,774 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9588% | 447 |
| Assets per employee ($millions) | 5.6737% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,403 |
| Loan loss allowance to noncurrent loans | 299.1588% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,834 |
| Noncurrent loans to loans | 0.3042% | 3,679 |
| Net loans and leases to total assets | 83.9981% | 436 |
| Net loans and leases to deposits | 118.6534% | 129 |
| Net loans and leases to core deposits | 122.0698% | 520 |
| Total domestic deposits to total assets | 70.7928% | 5,338 |
| Equity capital to assets | 8.6062% | 4,896 |
| Core capital (leverage) ratio | 8.8559% | 4,847 |
| Tier 1 risk-based capital ratio | 13.3064% | 3,777 |
| Total risk-based capital ratio | 14.4969% | 3,719 |
| Memoranda: | ||
| Average total assets | $364,631,500 | 1,878 |
| Average earning assets | $347,088,000 | 1,842 |
| Average equity | $31,818,500 | 2,249 |
| Average total loans | $310,078,500 | 1,559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 3,866 |
| Cost of funding earning assets | 0.5497% | 1,955 |
| Net interest margin | 3.3060% | 4,144 |
| Noninterest income to average assets | 0.4235% | 3,484 |
| Noninterest expense to average assets | 3.1120% | 1,825 |
| Loan and lease loss provision to assets | 0.0460% | 3,319 |
| Net operating income to assets | 0.2295% | 5,049 |
| Return on assets (ROA) | 0.2622% | 5,016 |
| Pretax return on assets | 0.4638% | 4,988 |
| Return on Equity (ROE) | 2.8996% | 4,857 |
| Retained earnings to average equity (ytd only) | 2.8996% | 3,570 |
| Net charge-offs to loans | 0.0113% | 3,694 |
| Credit loss provision to net charge-offs | 484.8485% | 643 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 1,115 |
| Efficiency ratio | 87.1557% | 578 |
| Assets per employee ($millions) | 5.3010% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,408 |
| Loan loss allowance to noncurrent loans | 233.0840% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,533 |
| Noncurrent loans to loans | 0.3912% | 3,358 |
| Net loans and leases to total assets | 84.5366% | 393 |
| Net loans and leases to deposits | 121.1073% | 102 |
| Net loans and leases to core deposits | 124.9401% | 461 |
| Total domestic deposits to total assets | 69.8030% | 5,413 |
| Equity capital to assets | 8.8490% | 4,857 |
| Core capital (leverage) ratio | 9.0009% | 4,653 |
| Tier 1 risk-based capital ratio | 13.3356% | 3,724 |
| Total risk-based capital ratio | 14.5213% | 3,678 |
| Memoranda: | ||
| Average total assets | $347,778,600 | 1,928 |
| Average earning assets | $331,062,400 | 1,888 |
| Average equity | $31,452,800 | 2,257 |
| Average total loans | $291,636,200 | 1,605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,857 |
| Cost of funding earning assets | 0.5244% | 2,077 |
| Net interest margin | 3.3185% | 4,109 |
| Noninterest income to average assets | 0.4461% | 3,359 |
| Noninterest expense to average assets | 3.1780% | 1,609 |
| Loan and lease loss provision to assets | 0.0368% | 3,378 |
| Net operating income to assets | 0.2737% | 5,263 |
| Return on assets (ROA) | 0.3273% | 5,189 |
| Pretax return on assets | 0.4666% | 5,090 |
| Return on Equity (ROE) | 3.5990% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.5990% | 3,777 |
| Net charge-offs to loans | 0.0153% | 3,217 |
| Credit loss provision to net charge-offs | 287.8788% | 1,025 |
| Earnings coverage of net charge-offs (x) | 33.4234% | 1,464 |
| Efficiency ratio | 88.1614% | 504 |
| Assets per employee ($millions) | 5.1326% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,493 |
| Loan loss allowance to noncurrent loans | 329.6029% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,121 |
| Noncurrent loans to loans | 0.2775% | 3,958 |
| Net loans and leases to total assets | 83.7951% | 455 |
| Net loans and leases to deposits | 117.0906% | 137 |
| Net loans and leases to core deposits | 120.5912% | 575 |
| Total domestic deposits to total assets | 71.5644% | 5,407 |
| Equity capital to assets | 8.9949% | 4,916 |
| Core capital (leverage) ratio | 9.0731% | 4,661 |
| Tier 1 risk-based capital ratio | 13.7301% | 3,564 |
| Total risk-based capital ratio | 14.9264% | 3,528 |
| Memoranda: | ||
| Average total assets | $344,605,750 | 1,952 |
| Average earning assets | $328,012,500 | 1,915 |
| Average equity | $31,341,500 | 2,277 |
| Average total loans | $287,662,000 | 1,630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 3,921 |
| Cost of funding earning assets | 0.4972% | 2,178 |
| Net interest margin | 3.2953% | 4,124 |
| Noninterest income to average assets | 0.3954% | 3,724 |
| Noninterest expense to average assets | 3.1954% | 1,594 |
| Loan and lease loss provision to assets | 0.0176% | 3,613 |
| Net operating income to assets | 0.2349% | 5,344 |
| Return on assets (ROA) | 0.2712% | 5,303 |
| Pretax return on assets | 0.3690% | 5,237 |
| Return on Equity (ROE) | 2.9708% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.9708% | 3,948 |
| Net charge-offs to loans | 0.0233% | 2,762 |
| Credit loss provision to net charge-offs | 90.9091% | 2,130 |
| Earnings coverage of net charge-offs (x) | 17.4242% | 1,924 |
| Efficiency ratio | 90.4643% | 428 |
| Assets per employee ($millions) | 4.8675% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,560 |
| Loan loss allowance to noncurrent loans | 3,038.6364% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,921 |
| Noncurrent loans to loans | 0.0303% | 5,041 |
| Net loans and leases to total assets | 82.2074% | 639 |
| Net loans and leases to deposits | 112.6365% | 213 |
| Net loans and leases to core deposits | 116.1068% | 705 |
| Total domestic deposits to total assets | 72.9847% | 5,387 |
| Equity capital to assets | 8.9939% | 4,912 |
| Core capital (leverage) ratio | 9.2636% | 4,410 |
| Tier 1 risk-based capital ratio | 13.9654% | 3,443 |
| Total risk-based capital ratio | 15.1673% | 3,389 |
| Memoranda: | ||
| Average total assets | $341,425,330 | 1,972 |
| Average earning assets | $325,012,330 | 1,933 |
| Average equity | $31,170,330 | 2,281 |
| Average total loans | $283,717,000 | 1,644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 3,901 |
| Cost of funding earning assets | 0.4848% | 2,212 |
| Net interest margin | 3.2751% | 4,101 |
| Noninterest income to average assets | 0.3277% | 4,199 |
| Noninterest expense to average assets | 3.2234% | 1,545 |
| Loan and lease loss provision to assets | 0.0178% | 3,340 |
| Net operating income to assets | 0.1542% | 5,456 |
| Return on assets (ROA) | 0.2078% | 5,394 |
| Pretax return on assets | 0.2790% | 5,341 |
| Return on Equity (ROE) | 2.2584% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.2584% | 4,235 |
| Net charge-offs to loans | 0.0471% | 1,911 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 5.7273% | 2,264 |
| Efficiency ratio | 93.4917% | 402 |
| Assets per employee ($millions) | 4.7688% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,631 |
| Loan loss allowance to noncurrent loans | 2,921.9780% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,090 |
| Noncurrent loans to loans | 0.0319% | 5,080 |
| Net loans and leases to total assets | 82.2900% | 537 |
| Net loans and leases to deposits | 110.7554% | 205 |
| Net loans and leases to core deposits | 114.1600% | 666 |
| Total domestic deposits to total assets | 74.2988% | 5,394 |
| Equity capital to assets | 9.0530% | 4,757 |
| Core capital (leverage) ratio | 9.4136% | 4,219 |
| Tier 1 risk-based capital ratio | 13.9441% | 3,518 |
| Total risk-based capital ratio | 15.1485% | 3,454 |
| Memoranda: | ||
| Average total assets | $336,907,500 | 2,009 |
| Average earning assets | $320,970,000 | 1,961 |
| Average equity | $30,995,500 | 2,295 |
| Average total loans | $280,186,000 | 1,670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 3,667 |
| Cost of funding earning assets | 0.4995% | 2,091 |
| Net interest margin | 3.3748% | 3,910 |
| Noninterest income to average assets | 0.3969% | 3,913 |
| Noninterest expense to average assets | 3.1904% | 1,812 |
| Loan and lease loss provision to assets | 0.0127% | 4,125 |
| Net operating income to assets | 0.2889% | 5,246 |
| Return on assets (ROA) | 0.3173% | 5,248 |
| Pretax return on assets | 0.4536% | 5,113 |
| Return on Equity (ROE) | 3.2560% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.2560% | 3,591 |
| Net charge-offs to loans | 0.0349% | 3,328 |
| Credit loss provision to net charge-offs | 42.5532% | 3,470 |
| Earnings coverage of net charge-offs (x) | 14.2872% | 2,303 |
| Efficiency ratio | 88.2265% | 659 |
| Assets per employee ($millions) | 4.7893% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 4,464 |
| Loan loss allowance to noncurrent loans | 2,847.8723% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,118 |
| Noncurrent loans to loans | 0.0342% | 5,127 |
| Net loans and leases to total assets | 82.4575% | 544 |
| Net loans and leases to deposits | 110.2864% | 219 |
| Net loans and leases to core deposits | 114.0598% | 696 |
| Total domestic deposits to total assets | 74.7668% | 5,373 |
| Equity capital to assets | 9.3527% | 4,424 |
| Core capital (leverage) ratio | 9.7697% | 3,784 |
| Tier 1 risk-based capital ratio | 14.2904% | 3,288 |
| Total risk-based capital ratio | 15.5372% | 3,223 |
| Memoranda: | ||
| Average total assets | $315,445,400 | 2,092 |
| Average earning assets | $300,904,600 | 2,036 |
| Average equity | $30,743,600 | 2,307 |
| Average total loans | $269,416,600 | 1,680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,530 |
| Cost of funding earning assets | 0.5059% | 2,052 |
| Net interest margin | 3.4096% | 3,805 |
| Noninterest income to average assets | 0.4196% | 3,776 |
| Noninterest expense to average assets | 3.2921% | 1,585 |
| Loan and lease loss provision to assets | 0.0171% | 3,904 |
| Net operating income to assets | 0.2559% | 5,379 |
| Return on assets (ROA) | 0.2947% | 5,381 |
| Pretax return on assets | 0.4175% | 5,273 |
| Return on Equity (ROE) | 2.9920% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.9920% | 4,120 |
| Net charge-offs to loans | 0.0413% | 2,811 |
| Credit loss provision to net charge-offs | 48.1928% | 3,057 |
| Earnings coverage of net charge-offs (x) | 10.6992% | 2,551 |
| Efficiency ratio | 89.6552% | 581 |
| Assets per employee ($millions) | 4.6409% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,472 |
| Loan loss allowance to noncurrent loans | 1,062.0553% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 5,117 |
| Noncurrent loans to loans | 0.0931% | 4,970 |
| Net loans and leases to total assets | 85.2343% | 310 |
| Net loans and leases to deposits | 108.4788% | 291 |
| Net loans and leases to core deposits | 112.0425% | 806 |
| Total domestic deposits to total assets | 78.5724% | 4,815 |
| Equity capital to assets | 9.8510% | 4,302 |
| Core capital (leverage) ratio | 9.8027% | 3,806 |
| Tier 1 risk-based capital ratio | 14.7001% | 3,191 |
| Total risk-based capital ratio | 15.9504% | 3,127 |
| Memoranda: | ||
| Average total assets | $311,691,500 | 2,108 |
| Average earning assets | $297,306,750 | 2,061 |
| Average equity | $30,702,750 | 2,317 |
| Average total loans | $267,979,000 | 1,688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,543 |
| Cost of funding earning assets | 0.5143% | 1,988 |
| Net interest margin | 3.4050% | 3,873 |
| Noninterest income to average assets | 0.3911% | 3,938 |
| Noninterest expense to average assets | 3.3177% | 1,554 |
| Loan and lease loss provision to assets | 0.0258% | 3,618 |
| Net operating income to assets | 0.2041% | 5,516 |
| Return on assets (ROA) | 0.2610% | 5,482 |
| Pretax return on assets | 0.3763% | 5,377 |
| Return on Equity (ROE) | 2.6493% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.6493% | 4,211 |
| Net charge-offs to loans | 0.0615% | 2,318 |
| Credit loss provision to net charge-offs | 48.7805% | 2,683 |
| Earnings coverage of net charge-offs (x) | 6.0488% | 2,787 |
| Efficiency ratio | 91.2135% | 534 |
| Assets per employee ($millions) | 4.7374% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,537 |
| Loan loss allowance to noncurrent loans | 1,670.1863% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,352 |
| Noncurrent loans to loans | 0.0598% | 5,209 |
| Net loans and leases to total assets | 85.2803% | 311 |
| Net loans and leases to deposits | 107.2465% | 326 |
| Net loans and leases to core deposits | 110.8107% | 888 |
| Total domestic deposits to total assets | 79.5180% | 4,667 |
| Equity capital to assets | 9.8762% | 4,363 |
| Core capital (leverage) ratio | 9.8988% | 3,685 |
| Tier 1 risk-based capital ratio | 14.7661% | 3,171 |
| Total risk-based capital ratio | 16.0168% | 3,118 |
| Memoranda: | ||
| Average total assets | $310,394,330 | 2,121 |
| Average earning assets | $295,917,000 | 2,078 |
| Average equity | $30,574,330 | 2,331 |
| Average total loans | $266,748,000 | 1,682 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,389 |
| Cost of funding earning assets | 0.5212% | 1,933 |
| Net interest margin | 3.4329% | 3,750 |
| Noninterest income to average assets | 0.2962% | 4,606 |
| Noninterest expense to average assets | 3.3564% | 1,474 |
| Loan and lease loss provision to assets | 0.0259% | 3,334 |
| Net operating income to assets | 0.1334% | 5,633 |
| Return on assets (ROA) | 0.2354% | 5,525 |
| Pretax return on assets | 0.3246% | 5,460 |
| Return on Equity (ROE) | 2.3930% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.3930% | 4,297 |
| Net charge-offs to loans | 0.1236% | 1,364 |
| Credit loss provision to net charge-offs | 24.3902% | 2,267 |
| Earnings coverage of net charge-offs (x) | 1.9878% | 2,744 |
| Efficiency ratio | 94.0899% | 446 |
| Assets per employee ($millions) | 4.7138% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,590 |
| Loan loss allowance to noncurrent loans | 1,688.6076% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 5,179 |
| Noncurrent loans to loans | 0.0594% | 5,242 |
| Net loans and leases to total assets | 85.8990% | 222 |
| Net loans and leases to deposits | 108.3305% | 271 |
| Net loans and leases to core deposits | 111.7902% | 760 |
| Total domestic deposits to total assets | 79.2935% | 4,902 |
| Equity capital to assets | 9.9747% | 4,108 |
| Core capital (leverage) ratio | 9.9407% | 3,607 |
| Tier 1 risk-based capital ratio | 14.8588% | 3,220 |
| Total risk-based capital ratio | 16.1094% | 3,159 |
| Memoranda: | ||
| Average total assets | $309,256,500 | 2,134 |
| Average earning assets | $294,681,000 | 2,092 |
| Average equity | $30,421,500 | 2,344 |
| Average total loans | $265,454,500 | 1,694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,422 |
| Cost of funding earning assets | 0.3711% | 3,474 |
| Net interest margin | 3.6015% | 3,129 |
| Noninterest income to average assets | 0.4691% | 3,538 |
| Noninterest expense to average assets | 3.3998% | 1,488 |
| Loan and lease loss provision to assets | -0.0197% | 5,663 |
| Net operating income to assets | 0.3455% | 5,223 |
| Return on assets (ROA) | 0.3543% | 5,288 |
| Pretax return on assets | 0.5118% | 5,084 |
| Return on Equity (ROE) | 3.6336% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.6336% | 3,464 |
| Net charge-offs to loans | 0.0008% | 4,452 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | 729.0000% | 85 |
| Efficiency ratio | 87.6451% | 856 |
| Assets per employee ($millions) | 4.6585% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,438 |
| Loan loss allowance to noncurrent loans | 784.7701% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 5,143 |
| Noncurrent loans to loans | 0.1313% | 4,964 |
| Net loans and leases to total assets | 84.0451% | 387 |
| Net loans and leases to deposits | 114.4523% | 161 |
| Net loans and leases to core deposits | 119.3211% | 494 |
| Total domestic deposits to total assets | 73.4324% | 5,693 |
| Equity capital to assets | 9.7018% | 4,303 |
| Core capital (leverage) ratio | 9.8334% | 3,732 |
| Tier 1 risk-based capital ratio | 14.6311% | 3,362 |
| Total risk-based capital ratio | 15.8821% | 3,288 |
| Memoranda: | ||
| Average total assets | $304,222,800 | 2,124 |
| Average earning assets | $288,043,200 | 2,083 |
| Average equity | $29,667,400 | 2,342 |
| Average total loans | $254,689,800 | 1,702 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,342 |
| Cost of funding earning assets | 0.3321% | 3,958 |
| Net interest margin | 3.6682% | 2,898 |
| Noninterest income to average assets | 0.4848% | 3,477 |
| Noninterest expense to average assets | 3.4584% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3444% | 5,331 |
| Return on assets (ROA) | 0.3564% | 5,386 |
| Pretax return on assets | 0.5126% | 5,195 |
| Return on Equity (ROE) | 3.6502% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.6502% | 3,870 |
| Net charge-offs to loans | -0.0185% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4707% | 894 |
| Assets per employee ($millions) | 4.5497% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 4,272 |
| Loan loss allowance to noncurrent loans | 2,666.9811% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 5,651 |
| Noncurrent loans to loans | 0.0409% | 5,452 |
| Net loans and leases to total assets | 83.9928% | 383 |
| Net loans and leases to deposits | 115.8229% | 154 |
| Net loans and leases to core deposits | 120.4534% | 454 |
| Total domestic deposits to total assets | 72.5183% | 5,827 |
| Equity capital to assets | 9.8612% | 4,328 |
| Core capital (leverage) ratio | 9.7665% | 3,939 |
| Tier 1 risk-based capital ratio | 14.8020% | 3,386 |
| Total risk-based capital ratio | 16.0539% | 3,334 |
| Memoranda: | ||
| Average total assets | $302,249,250 | 2,152 |
| Average earning assets | $285,838,000 | 2,108 |
| Average equity | $29,514,000 | 2,365 |
| Average total loans | $252,099,750 | 1,720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 3,285 |
| Cost of funding earning assets | 0.3008% | 4,390 |
| Net interest margin | 3.6990% | 2,715 |
| Noninterest income to average assets | 0.4386% | 3,782 |
| Noninterest expense to average assets | 3.4593% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3291% | 5,357 |
| Return on assets (ROA) | 0.3431% | 5,421 |
| Pretax return on assets | 0.4924% | 5,245 |
| Return on Equity (ROE) | 3.5252% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.5252% | 3,784 |
| Net charge-offs to loans | 0.0032% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 375 |
| Efficiency ratio | 87.9831% | 910 |
| Assets per employee ($millions) | 4.4975% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 4,264 |
| Loan loss allowance to noncurrent loans | 1,700.6098% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,434 |
| Noncurrent loans to loans | 0.0654% | 5,472 |
| Net loans and leases to total assets | 82.3171% | 523 |
| Net loans and leases to deposits | 127.3558% | 56 |
| Net loans and leases to core deposits | 132.2861% | 239 |
| Total domestic deposits to total assets | 64.6356% | 6,194 |
| Equity capital to assets | 9.8211% | 4,252 |
| Core capital (leverage) ratio | 9.9286% | 3,704 |
| Tier 1 risk-based capital ratio | 14.9144% | 3,406 |
| Total risk-based capital ratio | 16.1665% | 3,336 |
| Memoranda: | ||
| Average total assets | $301,388,330 | 2,177 |
| Average earning assets | $284,621,000 | 2,132 |
| Average equity | $29,332,000 | 2,394 |
| Average total loans | $249,845,000 | 1,745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,861 |
| Cost of funding earning assets | 0.2958% | 4,484 |
| Net interest margin | 3.7975% | 2,243 |
| Noninterest income to average assets | 0.2986% | 4,785 |
| Noninterest expense to average assets | 3.4464% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3158% | 5,356 |
| Return on assets (ROA) | 0.3158% | 5,463 |
| Pretax return on assets | 0.4472% | 5,329 |
| Return on Equity (ROE) | 3.2602% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.2602% | 4,029 |
| Net charge-offs to loans | 0.0064% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 84.2500% | 568 |
| Efficiency ratio | 88.5140% | 973 |
| Assets per employee ($millions) | 4.3381% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 4,419 |
| Loan loss allowance to noncurrent loans | 4,892.9825% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 5,485 |
| Noncurrent loans to loans | 0.0229% | 5,713 |
| Net loans and leases to total assets | 82.2212% | 442 |
| Net loans and leases to deposits | 128.4972% | 39 |
| Net loans and leases to core deposits | 134.1034% | 202 |
| Total domestic deposits to total assets | 63.9868% | 6,280 |
| Equity capital to assets | 9.7976% | 4,391 |
| Core capital (leverage) ratio | 9.7559% | 3,946 |
| Tier 1 risk-based capital ratio | 14.7413% | 3,579 |
| Total risk-based capital ratio | 15.9932% | 3,510 |
| Memoranda: | ||
| Average total assets | $301,417,000 | 2,191 |
| Average earning assets | $285,342,000 | 2,142 |
| Average equity | $29,201,000 | 2,419 |
| Average total loans | $249,349,500 | 1,750 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,866 |
| Cost of funding earning assets | 0.3248% | 4,539 |
| Net interest margin | 3.6367% | 3,268 |
| Noninterest income to average assets | 0.4613% | 3,767 |
| Noninterest expense to average assets | 3.3858% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3583% | 5,355 |
| Return on assets (ROA) | 0.3583% | 5,430 |
| Pretax return on assets | 0.5232% | 5,189 |
| Return on Equity (ROE) | 3.7147% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.7147% | 3,573 |
| Net charge-offs to loans | 0.0516% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 2,397 |
| Efficiency ratio | 86.6159% | 1,107 |
| Assets per employee ($millions) | 4.5986% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 4,455 |
| Loan loss allowance to noncurrent loans | 763.1148% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,157 |
| Noncurrent loans to loans | 0.1465% | 5,306 |
| Net loans and leases to total assets | 81.3842% | 586 |
| Net loans and leases to deposits | 134.4384% | 32 |
| Net loans and leases to core deposits | 140.2418% | 164 |
| Total domestic deposits to total assets | 60.5364% | 6,399 |
| Equity capital to assets | 9.5797% | 4,618 |
| Core capital (leverage) ratio | 9.5681% | 4,148 |
| Tier 1 risk-based capital ratio | 15.1317% | 3,421 |
| Total risk-based capital ratio | 16.3845% | 3,367 |
| Memoranda: | ||
| Average total assets | $295,882,400 | 2,178 |
| Average earning assets | $280,502,400 | 2,121 |
| Average equity | $28,535,400 | 2,374 |
| Average total loans | $244,128,800 | 1,725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,901 |
| Cost of funding earning assets | 0.3213% | 4,656 |
| Net interest margin | 3.6448% | 3,242 |
| Noninterest income to average assets | 0.4853% | 3,648 |
| Noninterest expense to average assets | 3.4015% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3556% | 5,411 |
| Return on assets (ROA) | 0.3556% | 5,486 |
| Pretax return on assets | 0.5406% | 5,206 |
| Return on Equity (ROE) | 3.6806% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.6806% | 4,022 |
| Net charge-offs to loans | 0.0797% | 3,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.2206% | 2,837 |
| Efficiency ratio | 86.2862% | 1,158 |
| Assets per employee ($millions) | 4.3624% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 4,550 |
| Loan loss allowance to noncurrent loans | 412.7976% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 4,717 |
| Noncurrent loans to loans | 0.2765% | 5,081 |
| Net loans and leases to total assets | 80.9806% | 610 |
| Net loans and leases to deposits | 124.1665% | 71 |
| Net loans and leases to core deposits | 130.9392% | 229 |
| Total domestic deposits to total assets | 65.2194% | 6,416 |
| Equity capital to assets | 9.7113% | 4,540 |
| Core capital (leverage) ratio | 9.6957% | 4,081 |
| Tier 1 risk-based capital ratio | 15.4014% | 3,372 |
| Total risk-based capital ratio | 16.6546% | 3,304 |
| Memoranda: | ||
| Average total assets | $293,976,750 | 2,205 |
| Average earning assets | $278,818,500 | 2,151 |
| Average equity | $28,400,500 | 2,392 |
| Average total loans | $242,711,500 | 1,749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,883 |
| Cost of funding earning assets | 0.3208% | 4,749 |
| Net interest margin | 3.6424% | 3,179 |
| Noninterest income to average assets | 0.4695% | 3,722 |
| Noninterest expense to average assets | 3.4065% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3405% | 5,430 |
| Return on assets (ROA) | 0.3405% | 5,504 |
| Pretax return on assets | 0.5186% | 5,229 |
| Return on Equity (ROE) | 3.5309% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.5309% | 3,955 |
| Net charge-offs to loans | 0.1533% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.0860% | 3,177 |
| Efficiency ratio | 86.7872% | 1,193 |
| Assets per employee ($millions) | 5.2323% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 4,784 |
| Loan loss allowance to noncurrent loans | 387.6596% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 4,362 |
| Noncurrent loans to loans | 0.2908% | 5,146 |
| Net loans and leases to total assets | 80.3735% | 643 |
| Net loans and leases to deposits | 126.6570% | 49 |
| Net loans and leases to core deposits | 133.5231% | 192 |
| Total domestic deposits to total assets | 63.4576% | 6,518 |
| Equity capital to assets | 9.5638% | 4,674 |
| Core capital (leverage) ratio | 9.5483% | 4,254 |
| Tier 1 risk-based capital ratio | 15.3746% | 3,424 |
| Total risk-based capital ratio | 16.6279% | 3,369 |
| Memoranda: | ||
| Average total assets | $293,087,330 | 2,207 |
| Average earning assets | $278,060,670 | 2,156 |
| Average equity | $28,264,670 | 2,391 |
| Average total loans | $242,615,670 | 1,739 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,963 |
| Cost of funding earning assets | 0.3190% | 4,871 |
| Net interest margin | 3.6123% | 3,205 |
| Noninterest income to average assets | 0.4736% | 3,607 |
| Noninterest expense to average assets | 3.4450% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3070% | 5,467 |
| Return on assets (ROA) | 0.3070% | 5,518 |
| Pretax return on assets | 0.4585% | 5,291 |
| Return on Equity (ROE) | 3.1704% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.1704% | 4,227 |
| Net charge-offs to loans | 0.1302% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.2152% | 2,556 |
| Efficiency ratio | 88.2540% | 1,202 |
| Assets per employee ($millions) | 4.3905% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,750 |
| Loan loss allowance to noncurrent loans | 170.5706% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 4,031 |
| Noncurrent loans to loans | 0.6898% | 4,147 |
| Net loans and leases to total assets | 81.0863% | 452 |
| Net loans and leases to deposits | 124.9914% | 47 |
| Net loans and leases to core deposits | 131.4765% | 178 |
| Total domestic deposits to total assets | 64.8736% | 6,574 |
| Equity capital to assets | 9.6025% | 4,351 |
| Core capital (leverage) ratio | 9.5871% | 4,153 |
| Tier 1 risk-based capital ratio | 15.4147% | 3,492 |
| Total risk-based capital ratio | 16.6660% | 3,440 |
| Memoranda: | ||
| Average total assets | $290,511,000 | 2,229 |
| Average earning assets | $275,838,000 | 2,177 |
| Average equity | $28,135,500 | 2,394 |
| Average total loans | $242,704,000 | 1,740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 3,491 |
| Cost of funding earning assets | 0.3889% | 4,764 |
| Net interest margin | 3.7724% | 2,754 |
| Noninterest income to average assets | 0.4946% | 3,796 |
| Noninterest expense to average assets | 3.3514% | 1,995 |
| Loan and lease loss provision to assets | 0.0141% | 4,846 |
| Net operating income to assets | 0.4622% | 4,897 |
| Return on assets (ROA) | 0.4622% | 5,030 |
| Pretax return on assets | 0.7097% | 4,506 |
| Return on Equity (ROE) | 4.7838% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.7838% | 2,743 |
| Net charge-offs to loans | -0.0434% | 6,300 |
| Credit loss provision to net charge-offs | -38.0952% | 5,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2389% | 1,851 |
| Assets per employee ($millions) | 4.0403% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,681 |
| Loan loss allowance to noncurrent loans | 150.9307% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 4,099 |
| Noncurrent loans to loans | 0.7925% | 3,998 |
| Net loans and leases to total assets | 84.0563% | 252 |
| Net loans and leases to deposits | 128.6916% | 43 |
| Net loans and leases to core deposits | 135.1155% | 155 |
| Total domestic deposits to total assets | 65.3161% | 6,644 |
| Equity capital to assets | 9.7693% | 4,074 |
| Core capital (leverage) ratio | 9.7548% | 3,903 |
| Tier 1 risk-based capital ratio | 15.2709% | 3,500 |
| Total risk-based capital ratio | 16.5258% | 3,448 |
| Memoranda: | ||
| Average total assets | $283,640,600 | 2,245 |
| Average earning assets | $269,218,600 | 2,186 |
| Average equity | $27,405,000 | 2,423 |
| Average total loans | $241,792,800 | 1,714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 3,381 |
| Cost of funding earning assets | 0.3963% | 4,847 |
| Net interest margin | 3.8067% | 2,613 |
| Noninterest income to average assets | 0.4954% | 3,845 |
| Noninterest expense to average assets | 3.3286% | 2,005 |
| Loan and lease loss provision to assets | 0.0189% | 4,638 |
| Net operating income to assets | 0.4969% | 4,807 |
| Return on assets (ROA) | 0.4969% | 4,974 |
| Pretax return on assets | 0.7613% | 4,453 |
| Return on Equity (ROE) | 5.1570% | 4,648 |
| Retained earnings to average equity (ytd only) | 5.1570% | 2,965 |
| Net charge-offs to loans | -0.0774% | 6,437 |
| Credit loss provision to net charge-offs | -28.5714% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0119% | 1,969 |
| Assets per employee ($millions) | 4.0193% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,800 |
| Loan loss allowance to noncurrent loans | 251.4043% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 5,069 |
| Noncurrent loans to loans | 0.4836% | 4,989 |
| Net loans and leases to total assets | 84.1047% | 241 |
| Net loans and leases to deposits | 125.1882% | 46 |
| Net loans and leases to core deposits | 131.2489% | 175 |
| Total domestic deposits to total assets | 67.1826% | 6,682 |
| Equity capital to assets | 9.7303% | 4,265 |
| Core capital (leverage) ratio | 9.7160% | 4,081 |
| Tier 1 risk-based capital ratio | 15.2092% | 3,620 |
| Total risk-based capital ratio | 16.4639% | 3,578 |
| Memoranda: | ||
| Average total assets | $282,836,000 | 2,263 |
| Average earning assets | $268,467,000 | 2,200 |
| Average equity | $27,250,250 | 2,460 |
| Average total loans | $241,230,500 | 1,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,242 |
| Cost of funding earning assets | 0.4125% | 4,835 |
| Net interest margin | 3.8173% | 2,486 |
| Noninterest income to average assets | 0.5085% | 3,775 |
| Noninterest expense to average assets | 3.2994% | 2,075 |
| Loan and lease loss provision to assets | 0.0284% | 4,362 |
| Net operating income to assets | 0.5284% | 4,672 |
| Return on assets (ROA) | 0.5284% | 4,838 |
| Pretax return on assets | 0.8036% | 4,305 |
| Return on Equity (ROE) | 5.5026% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.5026% | 2,739 |
| Net charge-offs to loans | -0.1155% | 6,537 |
| Credit loss provision to net charge-offs | -28.7770% | 5,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8627% | 2,175 |
| Assets per employee ($millions) | 4.1234% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 4,886 |
| Loan loss allowance to noncurrent loans | 292.9563% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 5,293 |
| Noncurrent loans to loans | 0.4162% | 5,217 |
| Net loans and leases to total assets | 84.0858% | 234 |
| Net loans and leases to deposits | 126.6798% | 49 |
| Net loans and leases to core deposits | 132.5539% | 170 |
| Total domestic deposits to total assets | 66.3767% | 6,750 |
| Equity capital to assets | 9.6505% | 4,388 |
| Core capital (leverage) ratio | 9.6365% | 4,026 |
| Tier 1 risk-based capital ratio | 14.9268% | 3,825 |
| Total risk-based capital ratio | 16.1813% | 3,791 |
| Memoranda: | ||
| Average total assets | $281,992,330 | 2,277 |
| Average earning assets | $267,620,670 | 2,209 |
| Average equity | $27,078,000 | 2,480 |
| Average total loans | $240,653,670 | 1,719 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 3,346 |
| Cost of funding earning assets | 0.4319% | 4,784 |
| Net interest margin | 3.7584% | 2,617 |
| Noninterest income to average assets | 0.5372% | 3,520 |
| Noninterest expense to average assets | 3.3185% | 2,041 |
| Loan and lease loss provision to assets | 0.0285% | 4,103 |
| Net operating income to assets | 0.5001% | 4,658 |
| Return on assets (ROA) | 0.5001% | 4,813 |
| Pretax return on assets | 0.7609% | 4,324 |
| Return on Equity (ROE) | 5.2216% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.2216% | 3,099 |
| Net charge-offs to loans | -0.0350% | 5,969 |
| Credit loss provision to net charge-offs | -95.2381% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7839% | 2,210 |
| Assets per employee ($millions) | 4.0594% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,341 |
| Loan loss allowance to noncurrent loans | 215.0497% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 4,962 |
| Noncurrent loans to loans | 0.5423% | 5,090 |
| Net loans and leases to total assets | 83.9545% | 193 |
| Net loans and leases to deposits | 124.4542% | 50 |
| Net loans and leases to core deposits | 130.5774% | 173 |
| Total domestic deposits to total assets | 67.4581% | 6,820 |
| Equity capital to assets | 9.5242% | 4,816 |
| Core capital (leverage) ratio | 9.5096% | 4,064 |
| Tier 1 risk-based capital ratio | 14.8919% | 3,916 |
| Total risk-based capital ratio | 16.1458% | 3,874 |
| Memoranda: | ||
| Average total assets | $280,731,500 | 2,311 |
| Average earning assets | $266,710,500 | 2,241 |
| Average equity | $26,888,500 | 2,535 |
| Average total loans | $239,886,000 | 1,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 3,275 |
| Cost of funding earning assets | 0.5882% | 4,462 |
| Net interest margin | 3.9424% | 2,637 |
| Noninterest income to average assets | 0.6633% | 2,915 |
| Noninterest expense to average assets | 3.5055% | 1,803 |
| Loan and lease loss provision to assets | 0.1278% | 4,013 |
| Net operating income to assets | 0.5041% | 4,680 |
| Return on assets (ROA) | 0.5041% | 4,931 |
| Pretax return on assets | 0.7685% | 4,414 |
| Return on Equity (ROE) | 5.3059% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.3059% | 2,499 |
| Net charge-offs to loans | 0.0446% | 5,288 |
| Credit loss provision to net charge-offs | 333.3333% | 728 |
| Earnings coverage of net charge-offs (x) | 23.3714% | 1,220 |
| Efficiency ratio | 79.6365% | 2,190 |
| Assets per employee ($millions) | 3.9057% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,291 |
| Loan loss allowance to noncurrent loans | 222.0977% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 4,803 |
| Noncurrent loans to loans | 0.5239% | 5,224 |
| Net loans and leases to total assets | 84.9677% | 174 |
| Net loans and leases to deposits | 121.2127% | 68 |
| Net loans and leases to core deposits | 127.1782% | 207 |
| Total domestic deposits to total assets | 70.0981% | 6,779 |
| Equity capital to assets | 9.6331% | 4,687 |
| Core capital (leverage) ratio | 9.6204% | 3,931 |
| Tier 1 risk-based capital ratio | 14.9104% | 3,771 |
| Total risk-based capital ratio | 16.1642% | 3,717 |
| Memoranda: | ||
| Average total assets | $273,771,800 | 2,313 |
| Average earning assets | $259,615,400 | 2,247 |
| Average equity | $26,009,000 | 2,568 |
| Average total loans | $235,460,600 | 1,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 3,194 |
| Cost of funding earning assets | 0.5966% | 4,687 |
| Net interest margin | 4.0039% | 2,488 |
| Noninterest income to average assets | 0.5907% | 3,342 |
| Noninterest expense to average assets | 3.4905% | 1,786 |
| Loan and lease loss provision to assets | 0.1270% | 3,958 |
| Net operating income to assets | 0.4915% | 4,876 |
| Return on assets (ROA) | 0.4915% | 5,146 |
| Pretax return on assets | 0.7700% | 4,598 |
| Return on Equity (ROE) | 5.1922% | 4,728 |
| Retained earnings to average equity (ytd only) | 5.1922% | 3,226 |
| Net charge-offs to loans | -0.0381% | 6,636 |
| Credit loss provision to net charge-offs | -388.0597% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5546% | 2,163 |
| Assets per employee ($millions) | 3.7904% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,144 |
| Loan loss allowance to noncurrent loans | 178.3885% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 4,864 |
| Noncurrent loans to loans | 0.6891% | 5,063 |
| Net loans and leases to total assets | 84.0874% | 222 |
| Net loans and leases to deposits | 117.8692% | 86 |
| Net loans and leases to core deposits | 123.6385% | 255 |
| Total domestic deposits to total assets | 71.3396% | 6,774 |
| Equity capital to assets | 9.6512% | 4,993 |
| Core capital (leverage) ratio | 9.6416% | 4,056 |
| Tier 1 risk-based capital ratio | 15.1004% | 3,772 |
| Total risk-based capital ratio | 16.3556% | 3,725 |
| Memoranda: | ||
| Average total assets | $272,889,000 | 2,341 |
| Average earning assets | $258,771,750 | 2,269 |
| Average equity | $25,833,000 | 2,609 |
| Average total loans | $234,727,750 | 1,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 3,226 |
| Cost of funding earning assets | 0.6044% | 4,866 |
| Net interest margin | 4.0270% | 2,395 |
| Noninterest income to average assets | 0.5834% | 3,362 |
| Noninterest expense to average assets | 3.5107% | 1,760 |
| Loan and lease loss provision to assets | 0.1319% | 3,875 |
| Net operating income to assets | 0.4933% | 4,845 |
| Return on assets (ROA) | 0.4933% | 5,101 |
| Pretax return on assets | 0.7593% | 4,612 |
| Return on Equity (ROE) | 5.2446% | 4,684 |
| Retained earnings to average equity (ytd only) | 5.2446% | 3,128 |
| Net charge-offs to loans | -0.0713% | 6,768 |
| Credit loss provision to net charge-offs | -214.2857% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7536% | 2,224 |
| Assets per employee ($millions) | 4.0522% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 5,404 |
| Loan loss allowance to noncurrent loans | 218.3737% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 5,262 |
| Noncurrent loans to loans | 0.5443% | 5,432 |
| Net loans and leases to total assets | 84.2637% | 202 |
| Net loans and leases to deposits | 126.3046% | 48 |
| Net loans and leases to core deposits | 133.0912% | 194 |
| Total domestic deposits to total assets | 66.7147% | 7,031 |
| Equity capital to assets | 9.4379% | 5,144 |
| Core capital (leverage) ratio | 9.4284% | 4,257 |
| Tier 1 risk-based capital ratio | 14.5122% | 4,095 |
| Total risk-based capital ratio | 15.7664% | 4,056 |
| Memoranda: | ||
| Average total assets | $272,882,000 | 2,349 |
| Average earning assets | $258,753,000 | 2,271 |
| Average equity | $25,664,330 | 2,610 |
| Average total loans | $235,524,000 | 1,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7005% | 3,056 |
| Cost of funding earning assets | 0.6138% | 5,021 |
| Net interest margin | 4.0867% | 2,153 |
| Noninterest income to average assets | 0.4773% | 4,087 |
| Noninterest expense to average assets | 3.5574% | 1,651 |
| Loan and lease loss provision to assets | 0.0810% | 4,378 |
| Net operating income to assets | 0.4728% | 4,941 |
| Return on assets (ROA) | 0.4728% | 5,139 |
| Pretax return on assets | 0.7129% | 4,750 |
| Return on Equity (ROE) | 5.0366% | 4,771 |
| Retained earnings to average equity (ytd only) | 5.0366% | 3,538 |
| Net charge-offs to loans | -0.1408% | 6,901 |
| Credit loss provision to net charge-offs | -66.2651% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7536% | 1,970 |
| Assets per employee ($millions) | 3.8634% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 5,781 |
| Loan loss allowance to noncurrent loans | 189.6871% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 5,256 |
| Noncurrent loans to loans | 0.5980% | 5,463 |
| Net loans and leases to total assets | 84.7396% | 161 |
| Net loans and leases to deposits | 127.6834% | 50 |
| Net loans and leases to core deposits | 132.3871% | 182 |
| Total domestic deposits to total assets | 66.3670% | 7,100 |
| Equity capital to assets | 9.3526% | 5,026 |
| Core capital (leverage) ratio | 9.3436% | 4,293 |
| Tier 1 risk-based capital ratio | 14.2712% | 4,263 |
| Total risk-based capital ratio | 15.5298% | 4,228 |
| Memoranda: | ||
| Average total assets | $271,549,000 | 2,370 |
| Average earning assets | $257,420,500 | 2,304 |
| Average equity | $25,493,500 | 2,625 |
| Average total loans | $235,796,000 | 1,754 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 3,517 |
| Cost of funding earning assets | 0.8106% | 4,787 |
| Net interest margin | 4.0556% | 2,614 |
| Noninterest income to average assets | 0.5315% | 3,640 |
| Noninterest expense to average assets | 3.6719% | 1,590 |
| Loan and lease loss provision to assets | 0.2665% | 3,553 |
| Net operating income to assets | 0.2759% | 5,347 |
| Return on assets (ROA) | 0.2759% | 5,498 |
| Pretax return on assets | 0.4324% | 5,193 |
| Return on Equity (ROE) | 2.9240% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.9240% | 4,155 |
| Net charge-offs to loans | 0.2176% | 4,429 |
| Credit loss provision to net charge-offs | 140.1590% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.6759% | 3,428 |
| Efficiency ratio | 84.0093% | 1,765 |
| Assets per employee ($millions) | 3.5840% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 5,929 |
| Loan loss allowance to noncurrent loans | 117.6279% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 4,543 |
| Noncurrent loans to loans | 0.9091% | 4,868 |
| Net loans and leases to total assets | 87.0375% | 104 |
| Net loans and leases to deposits | 129.8263% | 53 |
| Net loans and leases to core deposits | 134.6533% | 196 |
| Total domestic deposits to total assets | 67.0415% | 7,105 |
| Equity capital to assets | 9.4245% | 4,995 |
| Core capital (leverage) ratio | 9.4131% | 4,163 |
| Tier 1 risk-based capital ratio | 14.1625% | 4,207 |
| Total risk-based capital ratio | 15.4148% | 4,155 |
| Memoranda: | ||
| Average total assets | $264,546,200 | 2,384 |
| Average earning assets | $250,441,000 | 2,300 |
| Average equity | $24,965,600 | 2,586 |
| Average total loans | $231,140,600 | 1,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 3,561 |
| Cost of funding earning assets | 0.8459% | 4,799 |
| Net interest margin | 4.0530% | 2,681 |
| Noninterest income to average assets | 0.4838% | 4,008 |
| Noninterest expense to average assets | 3.6313% | 1,645 |
| Loan and lease loss provision to assets | 0.2581% | 3,438 |
| Net operating income to assets | 0.2561% | 5,548 |
| Return on assets (ROA) | 0.2561% | 5,699 |
| Pretax return on assets | 0.4327% | 5,365 |
| Return on Equity (ROE) | 2.7123% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.7123% | 4,730 |
| Net charge-offs to loans | 0.2547% | 3,841 |
| Credit loss provision to net charge-offs | 116.1731% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.1093% | 3,581 |
| Efficiency ratio | 84.0183% | 1,727 |
| Assets per employee ($millions) | 3.5769% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,119 |
| Loan loss allowance to noncurrent loans | 76.9329% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3064% | 4,197 |
| Noncurrent loans to loans | 1.3404% | 4,289 |
| Net loans and leases to total assets | 86.9514% | 108 |
| Net loans and leases to deposits | 125.4854% | 65 |
| Net loans and leases to core deposits | 129.4048% | 255 |
| Total domestic deposits to total assets | 69.2920% | 7,071 |
| Equity capital to assets | 9.4863% | 5,112 |
| Core capital (leverage) ratio | 9.4757% | 4,183 |
| Tier 1 risk-based capital ratio | 14.3980% | 4,054 |
| Total risk-based capital ratio | 15.6496% | 4,019 |
| Memoranda: | ||
| Average total assets | $263,483,000 | 2,408 |
| Average earning assets | $249,522,250 | 2,324 |
| Average equity | $24,873,750 | 2,590 |
| Average total loans | $229,804,500 | 1,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 3,540 |
| Cost of funding earning assets | 0.8874% | 4,776 |
| Net interest margin | 4.0309% | 2,696 |
| Noninterest income to average assets | 0.5177% | 3,729 |
| Noninterest expense to average assets | 3.6399% | 1,651 |
| Loan and lease loss provision to assets | 0.1787% | 4,132 |
| Net operating income to assets | 0.3071% | 5,348 |
| Return on assets (ROA) | 0.3071% | 5,481 |
| Pretax return on assets | 0.5147% | 5,011 |
| Return on Equity (ROE) | 3.2587% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.2587% | 4,190 |
| Net charge-offs to loans | 0.1389% | 4,362 |
| Credit loss provision to net charge-offs | 147.7987% | 2,069 |
| Earnings coverage of net charge-offs (x) | 5.7358% | 2,538 |
| Efficiency ratio | 84.0000% | 1,809 |
| Assets per employee ($millions) | 3.6295% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,183 |
| Loan loss allowance to noncurrent loans | 79.9933% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 4,246 |
| Noncurrent loans to loans | 1.3007% | 4,470 |
| Net loans and leases to total assets | 85.0936% | 174 |
| Net loans and leases to deposits | 128.4918% | 59 |
| Net loans and leases to core deposits | 132.4173% | 247 |
| Total domestic deposits to total assets | 66.2250% | 7,259 |
| Equity capital to assets | 9.3107% | 5,121 |
| Core capital (leverage) ratio | 9.2969% | 4,258 |
| Tier 1 risk-based capital ratio | 14.2408% | 3,985 |
| Total risk-based capital ratio | 15.4923% | 3,959 |
| Memoranda: | ||
| Average total assets | $263,081,670 | 2,428 |
| Average earning assets | $249,028,670 | 2,338 |
| Average equity | $24,795,330 | 2,582 |
| Average total loans | $228,890,330 | 1,852 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 3,396 |
| Cost of funding earning assets | 0.9434% | 4,625 |
| Net interest margin | 3.9897% | 2,727 |
| Noninterest income to average assets | 0.5777% | 3,320 |
| Noninterest expense to average assets | 3.7813% | 1,369 |
| Loan and lease loss provision to assets | 0.1306% | 4,367 |
| Net operating income to assets | 0.2658% | 5,557 |
| Return on assets (ROA) | 0.2658% | 5,619 |
| Pretax return on assets | 0.4410% | 5,216 |
| Return on Equity (ROE) | 2.8028% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.8028% | 4,489 |
| Net charge-offs to loans | 0.2019% | 3,297 |
| Credit loss provision to net charge-offs | 73.9130% | 3,282 |
| Earnings coverage of net charge-offs (x) | 3.2348% | 2,810 |
| Efficiency ratio | 86.8690% | 1,619 |
| Assets per employee ($millions) | 3.6566% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,380 |
| Loan loss allowance to noncurrent loans | 77.2360% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 4,429 |
| Noncurrent loans to loans | 1.3012% | 4,526 |
| Net loans and leases to total assets | 85.9393% | 132 |
| Net loans and leases to deposits | 127.7750% | 63 |
| Net loans and leases to core deposits | 131.9879% | 247 |
| Total domestic deposits to total assets | 67.2583% | 7,293 |
| Equity capital to assets | 9.4108% | 4,554 |
| Core capital (leverage) ratio | 9.3643% | 4,025 |
| Tier 1 risk-based capital ratio | 14.2769% | 3,885 |
| Total risk-based capital ratio | 15.5278% | 3,843 |
| Memoranda: | ||
| Average total assets | $260,331,000 | 2,467 |
| Average earning assets | $246,332,500 | 2,384 |
| Average equity | $24,689,500 | 2,578 |
| Average total loans | $227,860,500 | 1,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 3,730 |
| Cost of funding earning assets | 1.3269% | 3,706 |
| Net interest margin | 3.8468% | 3,747 |
| Noninterest income to average assets | 0.6558% | 3,112 |
| Noninterest expense to average assets | 3.7843% | 1,515 |
| Loan and lease loss provision to assets | 0.1386% | 5,795 |
| Net operating income to assets | 0.3039% | 4,923 |
| Return on assets (ROA) | 0.3039% | 5,095 |
| Pretax return on assets | 0.3563% | 5,064 |
| Return on Equity (ROE) | 3.1256% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.1256% | 3,672 |
| Net charge-offs to loans | -0.0131% | 7,329 |
| Credit loss provision to net charge-offs | -1,186.2069% | 7,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4336% | 1,444 |
| Assets per employee ($millions) | 3.4319% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,263 |
| Loan loss allowance to noncurrent loans | 91.0763% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 4,756 |
| Noncurrent loans to loans | 1.1247% | 4,860 |
| Net loans and leases to total assets | 87.3549% | 121 |
| Net loans and leases to deposits | 129.9830% | 66 |
| Net loans and leases to core deposits | 134.1491% | 279 |
| Total domestic deposits to total assets | 67.2049% | 7,354 |
| Equity capital to assets | 9.5587% | 4,329 |
| Core capital (leverage) ratio | 9.5443% | 3,655 |
| Tier 1 risk-based capital ratio | 14.3519% | 3,644 |
| Total risk-based capital ratio | 15.6029% | 3,598 |
| Memoranda: | ||
| Average total assets | $248,107,000 | 2,557 |
| Average earning assets | $233,702,000 | 2,492 |
| Average equity | $24,123,600 | 2,647 |
| Average total loans | $221,127,200 | 1,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2251% | 3,705 |
| Cost of funding earning assets | 1.3997% | 3,589 |
| Net interest margin | 3.8255% | 3,864 |
| Noninterest income to average assets | 0.5978% | 3,453 |
| Noninterest expense to average assets | 3.7604% | 1,452 |
| Loan and lease loss provision to assets | 0.0727% | 6,331 |
| Net operating income to assets | 0.2197% | 5,448 |
| Return on assets (ROA) | 0.2197% | 5,612 |
| Pretax return on assets | 0.3645% | 5,330 |
| Return on Equity (ROE) | 2.2496% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.2496% | 4,819 |
| Net charge-offs to loans | -0.0176% | 7,337 |
| Credit loss provision to net charge-offs | -462.0690% | 7,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5839% | 1,321 |
| Assets per employee ($millions) | 3.1704% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,271 |
| Loan loss allowance to noncurrent loans | 71.6195% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 4,378 |
| Noncurrent loans to loans | 1.4370% | 4,461 |
| Net loans and leases to total assets | 89.6000% | 66 |
| Net loans and leases to deposits | 127.9345% | 76 |
| Net loans and leases to core deposits | 131.6172% | 356 |
| Total domestic deposits to total assets | 70.0359% | 7,274 |
| Equity capital to assets | 9.8080% | 4,407 |
| Core capital (leverage) ratio | 9.8508% | 3,432 |
| Tier 1 risk-based capital ratio | 14.7416% | 3,371 |
| Total risk-based capital ratio | 15.9936% | 3,355 |
| Memoranda: | ||
| Average total assets | $245,786,500 | 2,622 |
| Average earning assets | $231,286,000 | 2,548 |
| Average equity | $24,003,750 | 2,696 |
| Average total loans | $219,616,750 | 2,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 3,988 |
| Cost of funding earning assets | 1.4558% | 3,527 |
| Net interest margin | 3.7388% | 4,190 |
| Noninterest income to average assets | 0.6262% | 3,156 |
| Noninterest expense to average assets | 3.7230% | 1,509 |
| Loan and lease loss provision to assets | 0.0603% | 6,349 |
| Net operating income to assets | 0.2136% | 5,518 |
| Return on assets (ROA) | 0.2136% | 5,647 |
| Pretax return on assets | 0.3547% | 5,360 |
| Return on Equity (ROE) | 2.1906% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.1906% | 4,752 |
| Net charge-offs to loans | -0.0339% | 7,378 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9704% | 1,333 |
| Assets per employee ($millions) | 3.1835% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,296 |
| Loan loss allowance to noncurrent loans | 59.2944% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 3,875 |
| Noncurrent loans to loans | 1.7270% | 4,098 |
| Net loans and leases to total assets | 87.6592% | 146 |
| Net loans and leases to deposits | 126.2512% | 87 |
| Net loans and leases to core deposits | 129.2084% | 433 |
| Total domestic deposits to total assets | 69.4324% | 7,365 |
| Equity capital to assets | 9.7098% | 4,396 |
| Core capital (leverage) ratio | 9.7525% | 3,467 |
| Tier 1 risk-based capital ratio | 14.7308% | 3,312 |
| Total risk-based capital ratio | 15.9820% | 3,284 |
| Memoranda: | ||
| Average total assets | $245,285,670 | 2,646 |
| Average earning assets | $230,394,670 | 2,581 |
| Average equity | $23,920,330 | 2,702 |
| Average total loans | $218,197,330 | 2,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 3,979 |
| Cost of funding earning assets | 1.4994% | 3,561 |
| Net interest margin | 3.7074% | 4,203 |
| Noninterest income to average assets | 0.6416% | 2,982 |
| Noninterest expense to average assets | 3.6920% | 1,536 |
| Loan and lease loss provision to assets | 0.0771% | 5,870 |
| Net operating income to assets | 0.2100% | 5,649 |
| Return on assets (ROA) | 0.2100% | 5,767 |
| Pretax return on assets | 0.3495% | 5,458 |
| Return on Equity (ROE) | 2.1490% | 5,701 |
| Retained earnings to average equity (ytd only) | 2.1490% | 4,844 |
| Net charge-offs to loans | 0.0202% | 5,304 |
| Credit loss provision to net charge-offs | 427.2727% | 976 |
| Earnings coverage of net charge-offs (x) | 23.6364% | 1,047 |
| Efficiency ratio | 89.6414% | 1,458 |
| Assets per employee ($millions) | 3.2596% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 6,472 |
| Loan loss allowance to noncurrent loans | 88.9661% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 4,754 |
| Noncurrent loans to loans | 1.1246% | 5,116 |
| Net loans and leases to total assets | 86.9575% | 171 |
| Net loans and leases to deposits | 125.8377% | 97 |
| Net loans and leases to core deposits | 128.6199% | 522 |
| Total domestic deposits to total assets | 69.1029% | 7,464 |
| Equity capital to assets | 9.6787% | 4,260 |
| Core capital (leverage) ratio | 9.7215% | 3,485 |
| Tier 1 risk-based capital ratio | 14.8947% | 3,153 |
| Total risk-based capital ratio | 16.1447% | 3,119 |
| Memoranda: | ||
| Average total assets | $243,771,000 | 2,722 |
| Average earning assets | $228,626,500 | 2,651 |
| Average equity | $23,825,000 | 2,733 |
| Average total loans | $217,334,500 | 2,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 4,888 |
| Cost of funding earning assets | 1.8853% | 3,535 |
| Net interest margin | 3.4748% | 5,068 |
| Noninterest income to average assets | 0.4500% | 4,810 |
| Noninterest expense to average assets | 3.6562% | 2,014 |
| Loan and lease loss provision to assets | 0.1988% | 5,748 |
| Net operating income to assets | -0.1407% | 5,746 |
| Return on assets (ROA) | -0.1407% | 5,739 |
| Pretax return on assets | -0.1469% | 5,637 |
| Return on Equity (ROE) | -1.4390% | 5,764 |
| Retained earnings to average equity (ytd only) | -1.4390% | 5,381 |
| Net charge-offs to loans | 0.2808% | 4,876 |
| Credit loss provision to net charge-offs | 79.4118% | 6,294 |
| Earnings coverage of net charge-offs (x) | 0.2075% | 5,928 |
| Efficiency ratio | 98.5989% | 1,174 |
| Assets per employee ($millions) | 3.1145% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 6,358 |
| Loan loss allowance to noncurrent loans | 86.6402% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 4,922 |
| Noncurrent loans to loans | 1.1586% | 5,011 |
| Net loans and leases to total assets | 89.6090% | 100 |
| Net loans and leases to deposits | 126.1315% | 115 |
| Net loans and leases to core deposits | 145.3863% | 629 |
| Total domestic deposits to total assets | 71.0441% | 7,337 |
| Equity capital to assets | 9.8714% | 3,922 |
| Core capital (leverage) ratio | 9.8714% | 3,241 |
| Tier 1 risk-based capital ratio | 14.7431% | 3,083 |
| Total risk-based capital ratio | 15.9943% | 3,035 |
| Memoranda: | ||
| Average total assets | $244,434,800 | 2,668 |
| Average earning assets | $229,196,200 | 2,607 |
| Average equity | $23,906,200 | 2,732 |
| Average total loans | $217,949,000 | 2,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 5,094 |
| Cost of funding earning assets | 1.9540% | 3,598 |
| Net interest margin | 3.4158% | 5,192 |
| Noninterest income to average assets | 0.3925% | 5,361 |
| Noninterest expense to average assets | 3.5668% | 2,104 |
| Loan and lease loss provision to assets | 0.1515% | 5,835 |
| Net operating income to assets | -0.0722% | 5,848 |
| Return on assets (ROA) | -0.0722% | 5,886 |
| Pretax return on assets | -0.1200% | 5,870 |
| Return on Equity (ROE) | -0.7400% | 5,890 |
| Retained earnings to average equity (ytd only) | -0.7400% | 5,418 |
| Net charge-offs to loans | 0.2775% | 4,305 |
| Credit loss provision to net charge-offs | 61.4537% | 6,148 |
| Earnings coverage of net charge-offs (x) | 0.1278% | 5,905 |
| Efficiency ratio | 99.1249% | 1,105 |
| Assets per employee ($millions) | 3.1243% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,290 |
| Loan loss allowance to noncurrent loans | 58.5004% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 4,006 |
| Noncurrent loans to loans | 1.7091% | 4,077 |
| Net loans and leases to total assets | 87.6692% | 222 |
| Net loans and leases to deposits | 122.1846% | 168 |
| Net loans and leases to core deposits | 139.9672% | 916 |
| Total domestic deposits to total assets | 71.7514% | 7,239 |
| Equity capital to assets | 9.9282% | 4,176 |
| Core capital (leverage) ratio | 9.9282% | 3,369 |
| Tier 1 risk-based capital ratio | 14.8955% | 3,093 |
| Total risk-based capital ratio | 16.1465% | 3,028 |
| Memoranda: | ||
| Average total assets | $245,590,250 | 2,667 |
| Average earning assets | $230,493,750 | 2,613 |
| Average equity | $23,964,500 | 2,765 |
| Average total loans | $218,168,000 | 2,144 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 4,970 |
| Cost of funding earning assets | 2.0441% | 3,550 |
| Net interest margin | 3.3907% | 5,208 |
| Noninterest income to average assets | 0.2904% | 6,198 |
| Noninterest expense to average assets | 3.6123% | 2,036 |
| Loan and lease loss provision to assets | 0.1472% | 5,604 |
| Net operating income to assets | -0.1739% | 6,143 |
| Return on assets (ROA) | -0.1739% | 6,166 |
| Pretax return on assets | -0.2880% | 6,225 |
| Return on Equity (ROE) | -1.7923% | 6,190 |
| Retained earnings to average equity (ytd only) | -1.7923% | 5,693 |
| Net charge-offs to loans | 0.2956% | 3,707 |
| Credit loss provision to net charge-offs | 56.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | -0.5354% | 6,092 |
| Efficiency ratio | 104.0541% | 1,031 |
| Assets per employee ($millions) | 3.1122% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 5,993 |
| Loan loss allowance to noncurrent loans | 52.9642% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.9846% | 3,216 |
| Noncurrent loans to loans | 1.9525% | 3,586 |
| Net loans and leases to total assets | 86.3375% | 349 |
| Net loans and leases to deposits | 120.6435% | 223 |
| Net loans and leases to core deposits | 136.3328% | 1,192 |
| Total domestic deposits to total assets | 71.5641% | 7,299 |
| Equity capital to assets | 9.9324% | 4,042 |
| Core capital (leverage) ratio | 9.9324% | 3,369 |
| Tier 1 risk-based capital ratio | 15.2398% | 2,916 |
| Total risk-based capital ratio | 16.4909% | 2,844 |
| Memoranda: | ||
| Average total assets | $247,264,330 | 2,662 |
| Average earning assets | $231,990,000 | 2,607 |
| Average equity | $23,991,330 | 2,756 |
| Average total loans | $219,879,330 | 2,158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 4,387 |
| Cost of funding earning assets | 2.0872% | 3,709 |
| Net interest margin | 3.5081% | 4,694 |
| Noninterest income to average assets | 0.6086% | 3,486 |
| Noninterest expense to average assets | 3.3456% | 2,511 |
| Loan and lease loss provision to assets | 0.2900% | 3,633 |
| Net operating income to assets | 0.1577% | 5,798 |
| Return on assets (ROA) | 0.1577% | 5,968 |
| Pretax return on assets | 0.2613% | 5,780 |
| Return on Equity (ROE) | 1.6441% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.6441% | 4,924 |
| Net charge-offs to loans | 0.4971% | 2,218 |
| Credit loss provision to net charge-offs | 65.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | 1.2357% | 4,131 |
| Efficiency ratio | 85.8545% | 2,085 |
| Assets per employee ($millions) | 3.2813% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,148 |
| Loan loss allowance to noncurrent loans | 60.5155% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7640% | 3,279 |
| Noncurrent loans to loans | 1.6581% | 3,787 |
| Net loans and leases to total assets | 87.3149% | 317 |
| Net loans and leases to deposits | 123.6175% | 220 |
| Net loans and leases to core deposits | 141.5415% | 1,038 |
| Total domestic deposits to total assets | 70.6332% | 7,372 |
| Equity capital to assets | 9.6704% | 4,425 |
| Core capital (leverage) ratio | 9.6704% | 3,793 |
| Tier 1 risk-based capital ratio | 14.5827% | 3,267 |
| Total risk-based capital ratio | 15.8338% | 3,196 |
| Memoranda: | ||
| Average total assets | $251,076,000 | 2,630 |
| Average earning assets | $235,339,500 | 2,582 |
| Average equity | $24,086,000 | 2,759 |
| Average total loans | $225,288,000 | 2,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2235% | 4,400 |
| Cost of funding earning assets | 2.5432% | 3,986 |
| Net interest margin | 3.6803% | 4,547 |
| Noninterest income to average assets | 0.5621% | 4,140 |
| Noninterest expense to average assets | 3.4006% | 2,680 |
| Loan and lease loss provision to assets | 0.1306% | 5,698 |
| Net operating income to assets | 0.3244% | 5,467 |
| Return on assets (ROA) | 0.3333% | 5,248 |
| Pretax return on assets | 0.4595% | 5,097 |
| Return on Equity (ROE) | 3.5806% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.5806% | 2,915 |
| Net charge-offs to loans | 0.1263% | 4,975 |
| Credit loss provision to net charge-offs | 114.5329% | 4,716 |
| Earnings coverage of net charge-offs (x) | 5.0692% | 3,764 |
| Efficiency ratio | 85.4749% | 1,906 |
| Assets per employee ($millions) | 3.3703% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,064 |
| Loan loss allowance to noncurrent loans | 171.5030% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 4,928 |
| Noncurrent loans to loans | 0.5828% | 5,625 |
| Net loans and leases to total assets | 90.3257% | 174 |
| Net loans and leases to deposits | 133.9580% | 162 |
| Net loans and leases to core deposits | 151.6197% | 796 |
| Total domestic deposits to total assets | 67.4284% | 7,525 |
| Equity capital to assets | 9.5169% | 4,664 |
| Core capital (leverage) ratio | 9.5169% | 3,997 |
| Tier 1 risk-based capital ratio | 14.2274% | 3,431 |
| Total risk-based capital ratio | 15.4771% | 3,354 |
| Memoranda: | ||
| Average total assets | $253,513,200 | 2,527 |
| Average earning assets | $235,334,600 | 2,503 |
| Average equity | $23,599,200 | 2,775 |
| Average total loans | $228,775,200 | 2,058 |