Home > First Shore Federal Savings and Loan Association > Performance and Condition Ratios
First Shore Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 2,433 |
| Cost of funding earning assets | 1.2664% | 2,613 |
| Net interest margin | 3.5567% | 2,051 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3645% | 2,679 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 1.1640% | 1,743 |
| Return on assets (ROA) | 1.1636% | 1,722 |
| Pretax return on assets | 1.5006% | 1,418 |
| Return on Equity (ROE) | 7.2800% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.2781% | 1,799 |
| Net charge-offs to loans | -0.0208% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.8878% | 2,740 |
| Assets per employee ($millions) | 5.0845% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 1,115 |
| Loan loss allowance to noncurrent loans | 461.7747% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 1,940 |
| Noncurrent loans to loans | 0.3200% | 2,035 |
| Net loans and leases to total assets | 78.2700% | 841 |
| Net loans and leases to deposits | 94.9464% | 872 |
| Net loans and leases to core deposits | 102.7830% | 1,291 |
| Total domestic deposits to total assets | 82.4300% | 3,042 |
| Equity capital to assets | 16.2186% | 443 |
| Core capital (leverage) ratio | 17.0728% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8877% | 305 |
| Memoranda: | ||
| Average total assets | $339,473,600 | 2,234 |
| Average earning assets | $316,870,000 | 2,217 |
| Average equity | $54,272,400 | 1,509 |
| Average total loans | $264,577,000 | 1,938 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 2,326 |
| Cost of funding earning assets | 1.0996% | 2,741 |
| Net interest margin | 3.6724% | 1,836 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.2908% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2727% | 1,601 |
| Return on assets (ROA) | 1.2714% | 1,599 |
| Pretax return on assets | 1.6495% | 1,259 |
| Return on Equity (ROE) | 8.0400% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,956 |
| Net charge-offs to loans | -0.0275% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.1137% | 3,193 |
| Assets per employee ($millions) | 4.9448% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 734 |
| Loan loss allowance to noncurrent loans | 400.3626% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 1,342 |
| Noncurrent loans to loans | 0.4201% | 1,779 |
| Net loans and leases to total assets | 76.7800% | 1,019 |
| Net loans and leases to deposits | 91.6698% | 1,082 |
| Net loans and leases to core deposits | 98.4581% | 1,421 |
| Total domestic deposits to total assets | 83.7600% | 2,843 |
| Equity capital to assets | 16.0966% | 442 |
| Core capital (leverage) ratio | 16.9123% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4110% | 304 |
| Memoranda: | ||
| Average total assets | $337,459,250 | 2,241 |
| Average earning assets | $315,246,250 | 2,227 |
| Average equity | $53,375,000 | 1,521 |
| Average total loans | $262,056,000 | 1,953 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 2,107 |
| Cost of funding earning assets | 0.8957% | 2,942 |
| Net interest margin | 3.8534% | 1,516 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.2648% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5565% | 1,014 |
| Return on assets (ROA) | 1.5551% | 1,008 |
| Pretax return on assets | 1.9854% | 762 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.8898% | 1,431 |
| Net charge-offs to loans | -0.0382% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.2647% | 3,671 |
| Assets per employee ($millions) | 4.8534% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 799 |
| Loan loss allowance to noncurrent loans | 376.2148% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 1,161 |
| Noncurrent loans to loans | 0.4440% | 1,611 |
| Net loans and leases to total assets | 78.7200% | 763 |
| Net loans and leases to deposits | 94.2136% | 840 |
| Net loans and leases to core deposits | 99.7041% | 1,255 |
| Total domestic deposits to total assets | 83.5500% | 2,923 |
| Equity capital to assets | 16.3029% | 421 |
| Core capital (leverage) ratio | 16.4541% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8623% | 320 |
| Memoranda: | ||
| Average total assets | $337,864,000 | 2,249 |
| Average earning assets | $315,514,333 | 2,235 |
| Average equity | $53,125,333 | 1,522 |
| Average total loans | $261,880,667 | 1,948 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 2,094 |
| Cost of funding earning assets | 0.7437% | 2,916 |
| Net interest margin | 3.8514% | 1,576 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2389% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1778% | 1,997 |
| Return on assets (ROA) | 1.1750% | 1,967 |
| Pretax return on assets | 1.5964% | 1,470 |
| Return on Equity (ROE) | 7.6100% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.6081% | 2,332 |
| Net charge-offs to loans | -0.0706% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3232% | 3,161 |
| Assets per employee ($millions) | 4.9914% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 849 |
| Loan loss allowance to noncurrent loans | 512.6744% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,475 |
| Noncurrent loans to loans | 0.3286% | 1,973 |
| Net loans and leases to total assets | 75.8200% | 990 |
| Net loans and leases to deposits | 89.8786% | 1,059 |
| Net loans and leases to core deposits | 94.6379% | 1,353 |
| Total domestic deposits to total assets | 84.3600% | 3,009 |
| Equity capital to assets | 15.4258% | 447 |
| Core capital (leverage) ratio | 15.9480% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0921% | 350 |
| Memoranda: | ||
| Average total assets | $341,779,500 | 2,268 |
| Average earning assets | $318,950,500 | 2,259 |
| Average equity | $52,785,500 | 1,544 |
| Average total loans | $260,718,500 | 1,968 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 1,916 |
| Cost of funding earning assets | 0.5975% | 913 |
| Net interest margin | 3.3290% | 2,484 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.2359% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9019% | 2,953 |
| Return on assets (ROA) | 0.9028% | 2,884 |
| Pretax return on assets | 1.2323% | 2,334 |
| Return on Equity (ROE) | 6.0700% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.0730% | 2,615 |
| Net charge-offs to loans | 0.0382% | 1,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 45.3789% | 1,430 |
| Efficiency ratio | 64.4893% | 2,438 |
| Assets per employee ($millions) | 4.9876% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,547 |
| Loan loss allowance to noncurrent loans | 316.9620% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,461 |
| Noncurrent loans to loans | 0.3042% | 2,050 |
| Net loans and leases to total assets | 74.7300% | 1,148 |
| Net loans and leases to deposits | 88.5459% | 1,140 |
| Net loans and leases to core deposits | 92.9175% | 1,347 |
| Total domestic deposits to total assets | 84.4000% | 3,127 |
| Equity capital to assets | 15.4626% | 428 |
| Core capital (leverage) ratio | 16.0263% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1375% | 327 |
| Memoranda: | ||
| Average total assets | $350,148,400 | 2,227 |
| Average earning assets | $329,378,600 | 2,202 |
| Average equity | $52,050,000 | 1,565 |
| Average total loans | $248,424,000 | 1,950 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 1,877 |
| Cost of funding earning assets | 0.5905% | 459 |
| Net interest margin | 3.1651% | 2,728 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.1506% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8782% | 2,971 |
| Return on assets (ROA) | 0.8785% | 2,942 |
| Pretax return on assets | 1.2091% | 2,330 |
| Return on Equity (ROE) | 5.9700% | 3,807 |
| Retained earnings to average equity (ytd only) | 5.9685% | 2,766 |
| Net charge-offs to loans | 0.0527% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 32.8660% | 1,481 |
| Efficiency ratio | 64.0181% | 2,552 |
| Assets per employee ($millions) | 5.1133% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,536 |
| Loan loss allowance to noncurrent loans | 304.2579% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 1,532 |
| Noncurrent loans to loans | 0.3251% | 2,071 |
| Net loans and leases to total assets | 72.0000% | 1,302 |
| Net loans and leases to deposits | 84.7938% | 1,250 |
| Net loans and leases to core deposits | 88.8398% | 1,369 |
| Total domestic deposits to total assets | 84.9100% | 3,308 |
| Equity capital to assets | 14.9956% | 454 |
| Core capital (leverage) ratio | 15.4708% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1264% | 341 |
| Memoranda: | ||
| Average total assets | $351,648,750 | 2,234 |
| Average earning assets | $331,484,500 | 2,201 |
| Average equity | $51,759,000 | 1,599 |
| Average total loans | $245,609,250 | 1,969 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 1,950 |
| Cost of funding earning assets | 0.5879% | 305 |
| Net interest margin | 2.9751% | 2,957 |
| Noninterest income to average assets | 0.2142% | 3,921 |
| Noninterest expense to average assets | 2.1504% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6361% | 3,525 |
| Return on assets (ROA) | 0.6352% | 3,475 |
| Pretax return on assets | 0.8754% | 3,135 |
| Return on Equity (ROE) | 4.3423% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.3423% | 2,951 |
| Net charge-offs to loans | -0.0049% | 3,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0408% | 1,825 |
| Assets per employee ($millions) | 5.3098% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,301 |
| Loan loss allowance to noncurrent loans | 88.2453% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 625 |
| Noncurrent loans to loans | 1.2067% | 659 |
| Net loans and leases to total assets | 68.0312% | 1,474 |
| Net loans and leases to deposits | 79.6717% | 1,409 |
| Net loans and leases to core deposits | 83.8923% | 1,457 |
| Total domestic deposits to total assets | 85.3894% | 3,397 |
| Equity capital to assets | 14.5352% | 462 |
| Core capital (leverage) ratio | 14.9796% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8838% | 296 |
| Memoranda: | ||
| Average total assets | $352,964,333 | 2,239 |
| Average earning assets | $333,708,667 | 2,212 |
| Average equity | $51,632,000 | 1,640 |
| Average total loans | $243,202,000 | 1,980 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 2,035 |
| Cost of funding earning assets | 0.5957% | 269 |
| Net interest margin | 2.8222% | 3,067 |
| Noninterest income to average assets | 0.1536% | 4,233 |
| Noninterest expense to average assets | 2.2198% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4369% | 3,882 |
| Return on assets (ROA) | 0.4369% | 3,844 |
| Pretax return on assets | 0.6019% | 3,629 |
| Return on Equity (ROE) | 2.9771% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.9771% | 3,272 |
| Net charge-offs to loans | -0.0066% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6694% | 1,257 |
| Assets per employee ($millions) | 5.2823% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,401 |
| Loan loss allowance to noncurrent loans | 97.4532% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 741 |
| Noncurrent loans to loans | 1.1119% | 802 |
| Net loans and leases to total assets | 67.1150% | 1,298 |
| Net loans and leases to deposits | 78.6157% | 1,239 |
| Net loans and leases to core deposits | 82.8054% | 1,308 |
| Total domestic deposits to total assets | 85.3709% | 3,451 |
| Equity capital to assets | 14.5279% | 443 |
| Core capital (leverage) ratio | 14.8930% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6780% | 308 |
| Memoranda: | ||
| Average total assets | $351,568,500 | 2,249 |
| Average earning assets | $332,359,500 | 2,228 |
| Average equity | $51,593,000 | 1,692 |
| Average total loans | $242,488,000 | 1,978 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 2,285 |
| Cost of funding earning assets | 0.7182% | 297 |
| Net interest margin | 2.9208% | 3,394 |
| Noninterest income to average assets | 0.1991% | 4,169 |
| Noninterest expense to average assets | 2.3204% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4715% | 4,138 |
| Return on assets (ROA) | 0.4733% | 4,179 |
| Pretax return on assets | 0.6361% | 4,054 |
| Return on Equity (ROE) | 3.1397% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.1397% | 3,571 |
| Net charge-offs to loans | -0.0156% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5465% | 902 |
| Assets per employee ($millions) | 5.0612% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,518 |
| Loan loss allowance to noncurrent loans | 90.8074% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 726 |
| Noncurrent loans to loans | 1.1685% | 824 |
| Net loans and leases to total assets | 69.3673% | 1,115 |
| Net loans and leases to deposits | 81.5485% | 1,097 |
| Net loans and leases to core deposits | 85.9203% | 1,205 |
| Total domestic deposits to total assets | 85.0626% | 3,251 |
| Equity capital to assets | 14.8243% | 516 |
| Core capital (leverage) ratio | 14.9761% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4250% | 332 |
| Memoranda: | ||
| Average total assets | $339,083,200 | 2,249 |
| Average earning assets | $319,847,200 | 2,232 |
| Average equity | $51,119,600 | 1,729 |
| Average total loans | $243,406,000 | 1,972 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 2,315 |
| Cost of funding earning assets | 0.7414% | 319 |
| Net interest margin | 2.9448% | 3,449 |
| Noninterest income to average assets | 0.1838% | 4,276 |
| Noninterest expense to average assets | 2.3065% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4798% | 4,239 |
| Return on assets (ROA) | 0.4813% | 4,284 |
| Pretax return on assets | 0.6553% | 4,149 |
| Return on Equity (ROE) | 3.1791% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.1791% | 3,838 |
| Net charge-offs to loans | -0.0176% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9280% | 880 |
| Assets per employee ($millions) | 4.8275% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,495 |
| Loan loss allowance to noncurrent loans | 86.8342% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 798 |
| Noncurrent loans to loans | 1.2532% | 881 |
| Net loans and leases to total assets | 68.7402% | 1,229 |
| Net loans and leases to deposits | 80.9615% | 1,194 |
| Net loans and leases to core deposits | 85.3231% | 1,335 |
| Total domestic deposits to total assets | 84.9047% | 3,150 |
| Equity capital to assets | 15.0144% | 543 |
| Core capital (leverage) ratio | 15.1092% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1107% | 335 |
| Memoranda: | ||
| Average total assets | $336,547,750 | 2,280 |
| Average earning assets | $317,247,000 | 2,265 |
| Average equity | $50,957,000 | 1,751 |
| Average total loans | $243,046,000 | 2,001 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 2,163 |
| Cost of funding earning assets | 0.7622% | 346 |
| Net interest margin | 3.0013% | 3,320 |
| Noninterest income to average assets | 0.1848% | 4,275 |
| Noninterest expense to average assets | 2.2249% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5776% | 4,027 |
| Return on assets (ROA) | 0.5800% | 4,073 |
| Pretax return on assets | 0.7905% | 3,884 |
| Return on Equity (ROE) | 3.8197% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.8197% | 3,578 |
| Net charge-offs to loans | -0.0204% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8587% | 1,252 |
| Assets per employee ($millions) | 4.8092% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,548 |
| Loan loss allowance to noncurrent loans | 88.4668% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 912 |
| Noncurrent loans to loans | 1.2085% | 994 |
| Net loans and leases to total assets | 70.0509% | 1,194 |
| Net loans and leases to deposits | 82.4943% | 1,174 |
| Net loans and leases to core deposits | 86.9970% | 1,347 |
| Total domestic deposits to total assets | 84.9161% | 3,128 |
| Equity capital to assets | 15.0098% | 524 |
| Core capital (leverage) ratio | 15.0973% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1779% | 335 |
| Memoranda: | ||
| Average total assets | $334,480,333 | 2,282 |
| Average earning assets | $315,129,333 | 2,264 |
| Average equity | $50,788,667 | 1,751 |
| Average total loans | $244,661,667 | 2,002 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 2,085 |
| Cost of funding earning assets | 0.7975% | 352 |
| Net interest margin | 3.0087% | 3,237 |
| Noninterest income to average assets | 0.1897% | 4,249 |
| Noninterest expense to average assets | 2.2176% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5871% | 3,974 |
| Return on assets (ROA) | 0.5909% | 4,028 |
| Pretax return on assets | 0.8085% | 3,797 |
| Return on Equity (ROE) | 3.8689% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.8689% | 3,541 |
| Net charge-offs to loans | -0.0098% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4000% | 1,359 |
| Assets per employee ($millions) | 4.7045% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,681 |
| Loan loss allowance to noncurrent loans | 87.9973% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 1,012 |
| Noncurrent loans to loans | 1.1856% | 1,118 |
| Net loans and leases to total assets | 72.8654% | 913 |
| Net loans and leases to deposits | 86.0366% | 959 |
| Net loans and leases to core deposits | 91.0203% | 1,168 |
| Total domestic deposits to total assets | 84.6912% | 3,224 |
| Equity capital to assets | 15.1849% | 472 |
| Core capital (leverage) ratio | 15.2760% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6851% | 333 |
| Memoranda: | ||
| Average total assets | $330,992,500 | 2,281 |
| Average earning assets | $311,491,500 | 2,263 |
| Average equity | $50,557,000 | 1,746 |
| Average total loans | $246,103,500 | 1,986 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 2,771 |
| Cost of funding earning assets | 0.9828% | 631 |
| Net interest margin | 3.0046% | 3,872 |
| Noninterest income to average assets | 0.1869% | 4,356 |
| Noninterest expense to average assets | 2.4644% | 2,949 |
| Loan and lease loss provision to assets | 0.0155% | 4,184 |
| Net operating income to assets | 0.4000% | 4,243 |
| Return on assets (ROA) | 0.4027% | 4,323 |
| Pretax return on assets | 0.5311% | 4,215 |
| Return on Equity (ROE) | 2.6134% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.6134% | 3,544 |
| Net charge-offs to loans | -0.0193% | 4,417 |
| Credit loss provision to net charge-offs | -104.1667% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9389% | 750 |
| Assets per employee ($millions) | 4.6853% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,723 |
| Loan loss allowance to noncurrent loans | 79.0123% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 969 |
| Noncurrent loans to loans | 1.3157% | 1,033 |
| Net loans and leases to total assets | 74.3055% | 984 |
| Net loans and leases to deposits | 89.2069% | 990 |
| Net loans and leases to core deposits | 94.4833% | 1,213 |
| Total domestic deposits to total assets | 83.2957% | 3,331 |
| Equity capital to assets | 15.3655% | 508 |
| Core capital (leverage) ratio | 15.2590% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5205% | 335 |
| Memoranda: | ||
| Average total assets | $323,086,000 | 2,172 |
| Average earning assets | $303,304,000 | 2,158 |
| Average equity | $49,781,000 | 1,697 |
| Average total loans | $248,069,800 | 1,930 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 2,969 |
| Cost of funding earning assets | 1.0212% | 711 |
| Net interest margin | 2.9808% | 4,020 |
| Noninterest income to average assets | 0.1843% | 4,370 |
| Noninterest expense to average assets | 2.3873% | 3,176 |
| Loan and lease loss provision to assets | 0.0208% | 4,073 |
| Net operating income to assets | 0.4217% | 4,215 |
| Return on assets (ROA) | 0.4200% | 4,287 |
| Pretax return on assets | 0.5721% | 4,153 |
| Return on Equity (ROE) | 2.7242% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.7242% | 3,635 |
| Net charge-offs to loans | -0.0284% | 4,509 |
| Credit loss provision to net charge-offs | -94.3396% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0528% | 867 |
| Assets per employee ($millions) | 4.6505% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,494 |
| Loan loss allowance to noncurrent loans | 80.8129% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 1,146 |
| Noncurrent loans to loans | 1.2935% | 1,143 |
| Net loans and leases to total assets | 74.5878% | 1,297 |
| Net loans and leases to deposits | 89.5545% | 1,312 |
| Net loans and leases to core deposits | 94.2871% | 1,617 |
| Total domestic deposits to total assets | 83.2876% | 3,065 |
| Equity capital to assets | 15.3961% | 558 |
| Core capital (leverage) ratio | 15.2932% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8703% | 336 |
| Memoranda: | ||
| Average total assets | $321,865,250 | 2,161 |
| Average earning assets | $302,107,000 | 2,139 |
| Average equity | $49,627,750 | 1,694 |
| Average total loans | $248,522,500 | 1,930 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,208 |
| Cost of funding earning assets | 1.0769% | 774 |
| Net interest margin | 2.9680% | 4,193 |
| Noninterest income to average assets | 0.1759% | 4,413 |
| Noninterest expense to average assets | 2.3709% | 3,343 |
| Loan and lease loss provision to assets | 0.0312% | 3,871 |
| Net operating income to assets | 0.4098% | 4,214 |
| Return on assets (ROA) | 0.4098% | 4,275 |
| Pretax return on assets | 0.5589% | 4,139 |
| Return on Equity (ROE) | 2.6565% | 4,412 |
| Retained earnings to average equity (ytd only) | 2.6565% | 3,528 |
| Net charge-offs to loans | -0.0160% | 4,345 |
| Credit loss provision to net charge-offs | -250.0000% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0716% | 890 |
| Assets per employee ($millions) | 4.6339% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,447 |
| Loan loss allowance to noncurrent loans | 85.1665% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 1,340 |
| Noncurrent loans to loans | 1.2025% | 1,308 |
| Net loans and leases to total assets | 75.4408% | 1,211 |
| Net loans and leases to deposits | 90.5036% | 1,308 |
| Net loans and leases to core deposits | 95.4973% | 1,614 |
| Total domestic deposits to total assets | 83.3566% | 2,970 |
| Equity capital to assets | 15.3421% | 562 |
| Core capital (leverage) ratio | 15.2911% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6593% | 345 |
| Memoranda: | ||
| Average total assets | $320,641,333 | 2,144 |
| Average earning assets | $300,872,667 | 2,123 |
| Average equity | $49,463,667 | 1,685 |
| Average total loans | $249,571,333 | 1,905 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 2,399 |
| Cost of funding earning assets | 1.1275% | 960 |
| Net interest margin | 3.3398% | 3,484 |
| Noninterest income to average assets | 0.1907% | 4,413 |
| Noninterest expense to average assets | 2.3891% | 3,552 |
| Loan and lease loss provision to assets | 0.0627% | 2,978 |
| Net operating income to assets | 0.6186% | 3,546 |
| Return on assets (ROA) | 0.6186% | 3,603 |
| Pretax return on assets | 0.8721% | 3,216 |
| Return on Equity (ROE) | 3.9990% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.9990% | 2,680 |
| Net charge-offs to loans | -0.0431% | 4,584 |
| Credit loss provision to net charge-offs | -185.1852% | 3,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8762% | 2,095 |
| Assets per employee ($millions) | 4.5468% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,607 |
| Loan loss allowance to noncurrent loans | 96.5399% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 1,625 |
| Noncurrent loans to loans | 1.0552% | 1,570 |
| Net loans and leases to total assets | 77.5095% | 1,051 |
| Net loans and leases to deposits | 93.3094% | 1,145 |
| Net loans and leases to core deposits | 98.9646% | 1,556 |
| Total domestic deposits to total assets | 83.0673% | 3,088 |
| Equity capital to assets | 15.5779% | 659 |
| Core capital (leverage) ratio | 15.4732% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7592% | 363 |
| Memoranda: | ||
| Average total assets | $318,774,500 | 2,099 |
| Average earning assets | $299,059,500 | 2,084 |
| Average equity | $49,312,500 | 1,683 |
| Average total loans | $250,735,500 | 1,852 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 2,553 |
| Cost of funding earning assets | 1.1198% | 1,257 |
| Net interest margin | 3.4972% | 3,454 |
| Noninterest income to average assets | 0.2002% | 4,460 |
| Noninterest expense to average assets | 2.5486% | 3,324 |
| Loan and lease loss provision to assets | 0.0354% | 3,300 |
| Net operating income to assets | 0.6795% | 3,927 |
| Return on assets (ROA) | 0.6795% | 3,997 |
| Pretax return on assets | 0.8922% | 3,760 |
| Return on Equity (ROE) | 4.4014% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.4014% | 2,760 |
| Net charge-offs to loans | 0.0071% | 3,422 |
| Credit loss provision to net charge-offs | 611.1111% | 506 |
| Earnings coverage of net charge-offs (x) | 160.1111% | 469 |
| Efficiency ratio | 73.3148% | 1,687 |
| Assets per employee ($millions) | 4.4968% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,625 |
| Loan loss allowance to noncurrent loans | 86.0538% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 1,422 |
| Noncurrent loans to loans | 1.1343% | 1,333 |
| Net loans and leases to total assets | 78.2327% | 1,044 |
| Net loans and leases to deposits | 93.9428% | 1,158 |
| Net loans and leases to core deposits | 101.8883% | 1,415 |
| Total domestic deposits to total assets | 83.2770% | 3,111 |
| Equity capital to assets | 15.3612% | 717 |
| Core capital (leverage) ratio | 15.4178% | 605 |
| Tier 1 risk-based capital ratio | 25.1482% | 740 |
| Total risk-based capital ratio | 26.4010% | 725 |
| Memoranda: | ||
| Average total assets | $310,678,400 | 2,103 |
| Average earning assets | $291,031,800 | 2,084 |
| Average equity | $47,962,200 | 1,661 |
| Average total loans | $251,785,600 | 1,818 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 2,583 |
| Cost of funding earning assets | 1.1034% | 1,338 |
| Net interest margin | 3.5423% | 3,429 |
| Noninterest income to average assets | 0.2053% | 4,489 |
| Noninterest expense to average assets | 2.4874% | 3,473 |
| Loan and lease loss provision to assets | 0.0216% | 3,484 |
| Net operating income to assets | 0.7429% | 3,869 |
| Return on assets (ROA) | 0.7429% | 3,933 |
| Pretax return on assets | 1.0121% | 3,551 |
| Return on Equity (ROE) | 4.8057% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.8057% | 2,986 |
| Net charge-offs to loans | 0.0032% | 3,302 |
| Credit loss provision to net charge-offs | 833.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 398.6563% | 249 |
| Efficiency ratio | 70.6431% | 2,031 |
| Assets per employee ($millions) | 4.3732% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,824 |
| Loan loss allowance to noncurrent loans | 75.9044% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 1,321 |
| Noncurrent loans to loans | 1.2533% | 1,247 |
| Net loans and leases to total assets | 79.7938% | 874 |
| Net loans and leases to deposits | 96.6502% | 933 |
| Net loans and leases to core deposits | 104.7553% | 1,281 |
| Total domestic deposits to total assets | 82.5594% | 3,296 |
| Equity capital to assets | 15.4519% | 737 |
| Core capital (leverage) ratio | 15.5152% | 639 |
| Tier 1 risk-based capital ratio | 24.7379% | 782 |
| Total risk-based capital ratio | 25.9695% | 771 |
| Memoranda: | ||
| Average total assets | $308,530,000 | 2,129 |
| Average earning assets | $288,807,750 | 2,105 |
| Average equity | $47,691,750 | 1,672 |
| Average total loans | $251,672,750 | 1,831 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 2,520 |
| Cost of funding earning assets | 1.0769% | 1,392 |
| Net interest margin | 3.5740% | 3,354 |
| Noninterest income to average assets | 0.2030% | 4,534 |
| Noninterest expense to average assets | 2.4986% | 3,487 |
| Loan and lease loss provision to assets | 0.0326% | 3,181 |
| Net operating income to assets | 0.7454% | 3,851 |
| Return on assets (ROA) | 0.7454% | 3,912 |
| Pretax return on assets | 1.0143% | 3,494 |
| Return on Equity (ROE) | 4.8215% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.8215% | 2,855 |
| Net charge-offs to loans | 0.0120% | 2,708 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 106.9333% | 664 |
| Efficiency ratio | 70.4713% | 2,153 |
| Assets per employee ($millions) | 4.3486% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,855 |
| Loan loss allowance to noncurrent loans | 88.2893% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 1,593 |
| Noncurrent loans to loans | 1.0829% | 1,511 |
| Net loans and leases to total assets | 80.6913% | 776 |
| Net loans and leases to deposits | 97.9813% | 847 |
| Net loans and leases to core deposits | 104.4381% | 1,349 |
| Total domestic deposits to total assets | 82.3538% | 3,425 |
| Equity capital to assets | 15.5656% | 696 |
| Core capital (leverage) ratio | 15.5503% | 612 |
| Tier 1 risk-based capital ratio | 24.5894% | 797 |
| Total risk-based capital ratio | 25.8242% | 772 |
| Memoranda: | ||
| Average total assets | $306,417,330 | 2,147 |
| Average earning assets | $286,567,670 | 2,121 |
| Average equity | $47,371,330 | 1,670 |
| Average total loans | $251,011,000 | 1,838 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,581 |
| Cost of funding earning assets | 1.0382% | 1,416 |
| Net interest margin | 3.5485% | 3,436 |
| Noninterest income to average assets | 0.1874% | 4,628 |
| Noninterest expense to average assets | 2.5278% | 3,421 |
| Loan and lease loss provision to assets | 0.0655% | 2,354 |
| Net operating income to assets | 0.6539% | 4,077 |
| Return on assets (ROA) | 0.6539% | 4,115 |
| Pretax return on assets | 0.9173% | 3,707 |
| Return on Equity (ROE) | 4.2443% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.2443% | 3,219 |
| Net charge-offs to loans | 0.0558% | 1,490 |
| Credit loss provision to net charge-offs | 142.8571% | 1,276 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,532 |
| Efficiency ratio | 72.0045% | 2,044 |
| Assets per employee ($millions) | 4.4009% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,964 |
| Loan loss allowance to noncurrent loans | 48.6536% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 688 |
| Noncurrent loans to loans | 1.9522% | 768 |
| Net loans and leases to total assets | 80.7360% | 752 |
| Net loans and leases to deposits | 97.7335% | 809 |
| Net loans and leases to core deposits | 104.2760% | 1,297 |
| Total domestic deposits to total assets | 82.6083% | 3,532 |
| Equity capital to assets | 15.3609% | 677 |
| Core capital (leverage) ratio | 15.5509% | 588 |
| Tier 1 risk-based capital ratio | 24.2536% | 822 |
| Total risk-based capital ratio | 25.4773% | 803 |
| Memoranda: | ||
| Average total assets | $305,250,000 | 2,169 |
| Average earning assets | $285,867,500 | 2,140 |
| Average equity | $47,027,500 | 1,668 |
| Average total loans | $250,746,000 | 1,856 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 2,295 |
| Cost of funding earning assets | 0.9460% | 937 |
| Net interest margin | 3.6041% | 3,373 |
| Noninterest income to average assets | 0.2195% | 4,601 |
| Noninterest expense to average assets | 2.5954% | 3,347 |
| Loan and lease loss provision to assets | 0.0631% | 2,897 |
| Net operating income to assets | 0.7112% | 4,107 |
| Return on assets (ROA) | 0.7112% | 4,112 |
| Pretax return on assets | 0.9260% | 3,828 |
| Return on Equity (ROE) | 4.6603% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.6603% | 2,952 |
| Net charge-offs to loans | 0.1072% | 1,673 |
| Credit loss provision to net charge-offs | 71.3208% | 2,975 |
| Earnings coverage of net charge-offs (x) | 11.1736% | 2,645 |
| Efficiency ratio | 72.4045% | 1,851 |
| Assets per employee ($millions) | 4.3206% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,972 |
| Loan loss allowance to noncurrent loans | 59.0920% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 910 |
| Noncurrent loans to loans | 1.6011% | 918 |
| Net loans and leases to total assets | 82.0073% | 647 |
| Net loans and leases to deposits | 99.4957% | 781 |
| Net loans and leases to core deposits | 105.8331% | 1,282 |
| Total domestic deposits to total assets | 82.4229% | 3,515 |
| Equity capital to assets | 15.4524% | 623 |
| Core capital (leverage) ratio | 15.4951% | 598 |
| Tier 1 risk-based capital ratio | 24.0951% | 819 |
| Total risk-based capital ratio | 25.3155% | 801 |
| Memoranda: | ||
| Average total assets | $299,341,000 | 2,161 |
| Average earning assets | $279,484,600 | 2,138 |
| Average equity | $45,683,400 | 1,644 |
| Average total loans | $247,155,000 | 1,837 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 2,208 |
| Cost of funding earning assets | 0.9169% | 857 |
| Net interest margin | 3.6082% | 3,342 |
| Noninterest income to average assets | 0.2202% | 4,646 |
| Noninterest expense to average assets | 2.5477% | 3,449 |
| Loan and lease loss provision to assets | 0.0648% | 2,675 |
| Net operating income to assets | 0.6989% | 4,225 |
| Return on assets (ROA) | 0.6989% | 4,235 |
| Pretax return on assets | 0.9749% | 3,802 |
| Return on Equity (ROE) | 4.5940% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.5940% | 3,450 |
| Net charge-offs to loans | 0.0400% | 2,289 |
| Credit loss provision to net charge-offs | 195.9459% | 1,404 |
| Earnings coverage of net charge-offs (x) | 31.4608% | 1,568 |
| Efficiency ratio | 71.0195% | 2,037 |
| Assets per employee ($millions) | 4.1612% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,672 |
| Loan loss allowance to noncurrent loans | 82.0346% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,349 |
| Noncurrent loans to loans | 1.2362% | 1,360 |
| Net loans and leases to total assets | 81.9677% | 722 |
| Net loans and leases to deposits | 99.3374% | 840 |
| Net loans and leases to core deposits | 105.5441% | 1,345 |
| Total domestic deposits to total assets | 82.5144% | 3,457 |
| Equity capital to assets | 15.3795% | 641 |
| Core capital (leverage) ratio | 15.3318% | 626 |
| Tier 1 risk-based capital ratio | 24.0628% | 836 |
| Total risk-based capital ratio | 25.3162% | 818 |
| Memoranda: | ||
| Average total assets | $298,566,500 | 2,172 |
| Average earning assets | $278,618,500 | 2,153 |
| Average equity | $45,420,750 | 1,656 |
| Average total loans | $246,346,000 | 1,850 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,201 |
| Cost of funding earning assets | 0.8802% | 793 |
| Net interest margin | 3.5842% | 3,373 |
| Noninterest income to average assets | 0.2227% | 4,690 |
| Noninterest expense to average assets | 2.5029% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7793% | 3,925 |
| Return on assets (ROA) | 0.7793% | 3,928 |
| Pretax return on assets | 1.0623% | 3,467 |
| Return on Equity (ROE) | 5.1414% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.1414% | 3,002 |
| Net charge-offs to loans | 0.0146% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 764 |
| Efficiency ratio | 70.2032% | 2,279 |
| Assets per employee ($millions) | 4.1203% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,958 |
| Loan loss allowance to noncurrent loans | 47.1182% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.7588% | 679 |
| Noncurrent loans to loans | 2.0799% | 702 |
| Net loans and leases to total assets | 81.5639% | 761 |
| Net loans and leases to deposits | 100.2325% | 791 |
| Net loans and leases to core deposits | 106.1824% | 1,231 |
| Total domestic deposits to total assets | 81.3748% | 3,899 |
| Equity capital to assets | 15.2008% | 651 |
| Core capital (leverage) ratio | 15.2497% | 624 |
| Tier 1 risk-based capital ratio | 23.8961% | 844 |
| Total risk-based capital ratio | 25.1486% | 812 |
| Memoranda: | ||
| Average total assets | $298,219,670 | 2,186 |
| Average earning assets | $278,106,330 | 2,165 |
| Average equity | $45,201,670 | 1,667 |
| Average total loans | $245,762,330 | 1,862 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 2,137 |
| Cost of funding earning assets | 0.8502% | 765 |
| Net interest margin | 3.5669% | 3,293 |
| Noninterest income to average assets | 0.1886% | 4,894 |
| Noninterest expense to average assets | 2.4934% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7449% | 3,920 |
| Return on assets (ROA) | 0.7449% | 3,921 |
| Pretax return on assets | 1.0184% | 3,472 |
| Return on Equity (ROE) | 4.9219% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.9219% | 3,217 |
| Net charge-offs to loans | 0.0327% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 1,099 |
| Efficiency ratio | 71.0012% | 2,338 |
| Assets per employee ($millions) | 4.0495% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,035 |
| Loan loss allowance to noncurrent loans | 47.5407% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 715 |
| Noncurrent loans to loans | 2.0767% | 752 |
| Net loans and leases to total assets | 81.1931% | 762 |
| Net loans and leases to deposits | 99.6633% | 734 |
| Net loans and leases to core deposits | 105.5411% | 1,275 |
| Total domestic deposits to total assets | 81.4675% | 4,103 |
| Equity capital to assets | 15.0683% | 656 |
| Core capital (leverage) ratio | 15.3385% | 583 |
| Tier 1 risk-based capital ratio | 23.8002% | 854 |
| Total risk-based capital ratio | 25.0540% | 837 |
| Memoranda: | ||
| Average total assets | $296,939,500 | 2,209 |
| Average earning assets | $276,654,000 | 2,200 |
| Average equity | $44,942,000 | 1,676 |
| Average total loans | $244,765,500 | 1,877 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,304 |
| Cost of funding earning assets | 0.8855% | 405 |
| Net interest margin | 3.4207% | 3,785 |
| Noninterest income to average assets | 0.1630% | 5,145 |
| Noninterest expense to average assets | 2.5272% | 3,686 |
| Loan and lease loss provision to assets | 0.0454% | 3,332 |
| Net operating income to assets | 0.4588% | 4,495 |
| Return on assets (ROA) | 0.4970% | 4,418 |
| Pretax return on assets | 0.8266% | 4,180 |
| Return on Equity (ROE) | 3.4062% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.4062% | 3,245 |
| Net charge-offs to loans | 0.0385% | 3,028 |
| Credit loss provision to net charge-offs | 145.7447% | 1,822 |
| Earnings coverage of net charge-offs (x) | 26.0851% | 1,689 |
| Efficiency ratio | 75.6746% | 1,671 |
| Assets per employee ($millions) | 3.9229% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,918 |
| Loan loss allowance to noncurrent loans | 44.3357% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.9479% | 588 |
| Noncurrent loans to loans | 2.2629% | 630 |
| Net loans and leases to total assets | 82.0326% | 680 |
| Net loans and leases to deposits | 99.2773% | 789 |
| Net loans and leases to core deposits | 105.6060% | 1,286 |
| Total domestic deposits to total assets | 82.6298% | 3,681 |
| Equity capital to assets | 15.2031% | 640 |
| Core capital (leverage) ratio | 15.0177% | 615 |
| Tier 1 risk-based capital ratio | 23.2750% | 885 |
| Total risk-based capital ratio | 24.5292% | 869 |
| Memoranda: | ||
| Average total assets | $301,839,800 | 2,156 |
| Average earning assets | $280,290,800 | 2,151 |
| Average equity | $44,037,600 | 1,685 |
| Average total loans | $244,178,400 | 1,855 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,377 |
| Cost of funding earning assets | 0.8893% | 373 |
| Net interest margin | 3.3772% | 3,925 |
| Noninterest income to average assets | 0.1650% | 5,192 |
| Noninterest expense to average assets | 2.4445% | 3,901 |
| Loan and lease loss provision to assets | 0.0601% | 2,882 |
| Net operating income to assets | 0.5311% | 4,650 |
| Return on assets (ROA) | 0.5311% | 4,681 |
| Pretax return on assets | 0.7958% | 4,355 |
| Return on Equity (ROE) | 3.6779% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.6779% | 3,737 |
| Net charge-offs to loans | 0.0464% | 2,517 |
| Credit loss provision to net charge-offs | 161.1765% | 1,591 |
| Earnings coverage of net charge-offs (x) | 22.9413% | 1,838 |
| Efficiency ratio | 74.0657% | 1,882 |
| Assets per employee ($millions) | 3.9998% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,023 |
| Loan loss allowance to noncurrent loans | 36.9006% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2848% | 513 |
| Noncurrent loans to loans | 2.7228% | 521 |
| Net loans and leases to total assets | 80.6327% | 898 |
| Net loans and leases to deposits | 97.0518% | 1,004 |
| Net loans and leases to core deposits | 102.6480% | 1,494 |
| Total domestic deposits to total assets | 83.0822% | 3,431 |
| Equity capital to assets | 14.8341% | 768 |
| Core capital (leverage) ratio | 14.6763% | 727 |
| Tier 1 risk-based capital ratio | 23.5026% | 897 |
| Total risk-based capital ratio | 24.7568% | 882 |
| Memoranda: | ||
| Average total assets | $303,745,500 | 2,166 |
| Average earning assets | $282,000,250 | 2,161 |
| Average equity | $43,864,500 | 1,709 |
| Average total loans | $244,273,000 | 1,861 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 2,370 |
| Cost of funding earning assets | 0.8877% | 328 |
| Net interest margin | 3.3399% | 3,984 |
| Noninterest income to average assets | 0.1508% | 5,310 |
| Noninterest expense to average assets | 2.4374% | 3,949 |
| Loan and lease loss provision to assets | 0.0898% | 2,187 |
| Net operating income to assets | 0.4807% | 4,758 |
| Return on assets (ROA) | 0.4807% | 4,790 |
| Pretax return on assets | 0.7200% | 4,496 |
| Return on Equity (ROE) | 3.3583% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.3583% | 3,719 |
| Net charge-offs to loans | 0.0663% | 1,979 |
| Credit loss provision to net charge-offs | 169.1358% | 1,410 |
| Earnings coverage of net charge-offs (x) | 15.2469% | 2,033 |
| Efficiency ratio | 75.0606% | 1,848 |
| Assets per employee ($millions) | 4.0543% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 4,057 |
| Loan loss allowance to noncurrent loans | 35.7673% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.3281% | 495 |
| Noncurrent loans to loans | 2.8378% | 479 |
| Net loans and leases to total assets | 78.8659% | 1,113 |
| Net loans and leases to deposits | 95.2568% | 1,146 |
| Net loans and leases to core deposits | 100.7309% | 1,603 |
| Total domestic deposits to total assets | 82.7929% | 3,630 |
| Equity capital to assets | 14.4788% | 828 |
| Core capital (leverage) ratio | 14.4364% | 759 |
| Tier 1 risk-based capital ratio | 23.3124% | 910 |
| Total risk-based capital ratio | 24.5667% | 897 |
| Memoranda: | ||
| Average total assets | $304,999,000 | 2,167 |
| Average earning assets | $282,762,670 | 2,160 |
| Average equity | $43,652,670 | 1,713 |
| Average total loans | $244,250,330 | 1,859 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 2,198 |
| Cost of funding earning assets | 0.8806% | 316 |
| Net interest margin | 3.3423% | 3,868 |
| Noninterest income to average assets | 0.1755% | 5,224 |
| Noninterest expense to average assets | 2.4527% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5356% | 4,442 |
| Return on assets (ROA) | 0.5356% | 4,483 |
| Pretax return on assets | 0.8341% | 3,995 |
| Return on Equity (ROE) | 3.7639% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.7639% | 3,567 |
| Net charge-offs to loans | 0.0343% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,214 |
| Efficiency ratio | 74.6215% | 2,120 |
| Assets per employee ($millions) | 4.0862% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,432 |
| Loan loss allowance to noncurrent loans | 72.6663% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 1,558 |
| Noncurrent loans to loans | 1.3382% | 1,511 |
| Net loans and leases to total assets | 79.1547% | 957 |
| Net loans and leases to deposits | 95.3006% | 981 |
| Net loans and leases to core deposits | 100.6961% | 1,463 |
| Total domestic deposits to total assets | 83.0579% | 3,809 |
| Equity capital to assets | 14.2511% | 832 |
| Core capital (leverage) ratio | 14.2875% | 771 |
| Tier 1 risk-based capital ratio | 23.2475% | 943 |
| Total risk-based capital ratio | 24.5012% | 931 |
| Memoranda: | ||
| Average total assets | $305,462,500 | 2,174 |
| Average earning assets | $284,353,500 | 2,167 |
| Average equity | $43,466,000 | 1,728 |
| Average total loans | $245,241,500 | 1,863 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,125 |
| Cost of funding earning assets | 0.9316% | 248 |
| Net interest margin | 3.3729% | 3,914 |
| Noninterest income to average assets | 0.1764% | 5,341 |
| Noninterest expense to average assets | 2.5272% | 3,927 |
| Loan and lease loss provision to assets | 0.0233% | 3,902 |
| Net operating income to assets | 0.5021% | 4,623 |
| Return on assets (ROA) | 0.5021% | 4,696 |
| Pretax return on assets | 0.7523% | 4,333 |
| Return on Equity (ROE) | 3.5877% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.5877% | 3,375 |
| Net charge-offs to loans | 0.0587% | 2,874 |
| Credit loss provision to net charge-offs | 48.9655% | 3,394 |
| Earnings coverage of net charge-offs (x) | 16.3103% | 2,120 |
| Efficiency ratio | 76.5167% | 1,915 |
| Assets per employee ($millions) | 4.0060% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 4,444 |
| Loan loss allowance to noncurrent loans | 70.2016% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1706% | 1,559 |
| Noncurrent loans to loans | 1.3942% | 1,466 |
| Net loans and leases to total assets | 79.8517% | 916 |
| Net loans and leases to deposits | 96.9482% | 914 |
| Net loans and leases to core deposits | 102.3694% | 1,423 |
| Total domestic deposits to total assets | 82.3654% | 3,973 |
| Equity capital to assets | 14.2079% | 823 |
| Core capital (leverage) ratio | 14.0757% | 800 |
| Tier 1 risk-based capital ratio | 22.8752% | 973 |
| Total risk-based capital ratio | 24.1284% | 965 |
| Memoranda: | ||
| Average total assets | $304,923,000 | 2,139 |
| Average earning assets | $282,638,400 | 2,139 |
| Average equity | $42,673,200 | 1,733 |
| Average total loans | $246,937,800 | 1,806 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,122 |
| Cost of funding earning assets | 0.9355% | 241 |
| Net interest margin | 3.3780% | 3,926 |
| Noninterest income to average assets | 0.1648% | 5,445 |
| Noninterest expense to average assets | 2.4840% | 4,033 |
| Loan and lease loss provision to assets | 0.0310% | 3,611 |
| Net operating income to assets | 0.5245% | 4,595 |
| Return on assets (ROA) | 0.5245% | 4,701 |
| Pretax return on assets | 0.7780% | 4,384 |
| Return on Equity (ROE) | 3.7622% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.7622% | 3,628 |
| Net charge-offs to loans | 0.0749% | 2,249 |
| Credit loss provision to net charge-offs | 51.0791% | 3,019 |
| Earnings coverage of net charge-offs (x) | 13.3165% | 2,321 |
| Efficiency ratio | 75.4314% | 2,043 |
| Assets per employee ($millions) | 3.9624% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,483 |
| Loan loss allowance to noncurrent loans | 68.5154% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 1,529 |
| Noncurrent loans to loans | 1.4410% | 1,503 |
| Net loans and leases to total assets | 79.1853% | 1,012 |
| Net loans and leases to deposits | 95.9598% | 1,052 |
| Net loans and leases to core deposits | 101.2412% | 1,535 |
| Total domestic deposits to total assets | 82.5193% | 3,773 |
| Equity capital to assets | 14.1343% | 990 |
| Core capital (leverage) ratio | 14.0249% | 840 |
| Tier 1 risk-based capital ratio | 22.8827% | 1,016 |
| Total risk-based capital ratio | 24.1354% | 1,001 |
| Memoranda: | ||
| Average total assets | $305,039,250 | 2,144 |
| Average earning assets | $282,483,500 | 2,148 |
| Average equity | $42,527,250 | 1,750 |
| Average total loans | $247,292,750 | 1,812 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,058 |
| Cost of funding earning assets | 0.9385% | 239 |
| Net interest margin | 3.3898% | 3,935 |
| Noninterest income to average assets | 0.1659% | 5,490 |
| Noninterest expense to average assets | 2.4956% | 4,043 |
| Loan and lease loss provision to assets | 0.0236% | 3,659 |
| Net operating income to assets | 0.5265% | 4,575 |
| Return on assets (ROA) | 0.5265% | 4,697 |
| Pretax return on assets | 0.7822% | 4,342 |
| Return on Equity (ROE) | 3.7941% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.7941% | 3,473 |
| Net charge-offs to loans | 0.0692% | 2,200 |
| Credit loss provision to net charge-offs | 41.8605% | 2,753 |
| Earnings coverage of net charge-offs (x) | 14.2907% | 2,066 |
| Efficiency ratio | 75.5909% | 2,133 |
| Assets per employee ($millions) | 3.9655% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,607 |
| Loan loss allowance to noncurrent loans | 73.5232% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 1,689 |
| Noncurrent loans to loans | 1.3351% | 1,682 |
| Net loans and leases to total assets | 80.1803% | 871 |
| Net loans and leases to deposits | 97.0234% | 961 |
| Net loans and leases to core deposits | 102.3362% | 1,446 |
| Total domestic deposits to total assets | 82.6402% | 3,777 |
| Equity capital to assets | 14.0075% | 1,027 |
| Core capital (leverage) ratio | 13.8580% | 860 |
| Tier 1 risk-based capital ratio | 22.6291% | 1,061 |
| Total risk-based capital ratio | 23.8815% | 1,042 |
| Memoranda: | ||
| Average total assets | $305,018,330 | 2,149 |
| Average earning assets | $282,138,000 | 2,158 |
| Average equity | $42,328,330 | 1,751 |
| Average total loans | $248,388,670 | 1,806 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,054 |
| Cost of funding earning assets | 0.9437% | 229 |
| Net interest margin | 3.3797% | 3,939 |
| Noninterest income to average assets | 0.1522% | 5,579 |
| Noninterest expense to average assets | 2.4956% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5471% | 4,437 |
| Return on assets (ROA) | 0.5471% | 4,541 |
| Pretax return on assets | 0.8004% | 4,195 |
| Return on Equity (ROE) | 3.9613% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.9613% | 3,510 |
| Net charge-offs to loans | 0.0627% | 1,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.6410% | 1,652 |
| Efficiency ratio | 75.7166% | 2,217 |
| Assets per employee ($millions) | 3.9136% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 4,688 |
| Loan loss allowance to noncurrent loans | 63.1934% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 1,535 |
| Noncurrent loans to loans | 1.5602% | 1,493 |
| Net loans and leases to total assets | 80.2088% | 784 |
| Net loans and leases to deposits | 96.9192% | 856 |
| Net loans and leases to core deposits | 102.4907% | 1,295 |
| Total domestic deposits to total assets | 82.7585% | 3,982 |
| Equity capital to assets | 13.8709% | 1,028 |
| Core capital (leverage) ratio | 13.7274% | 895 |
| Tier 1 risk-based capital ratio | 22.4417% | 1,098 |
| Total risk-based capital ratio | 23.6936% | 1,071 |
| Memoranda: | ||
| Average total assets | $304,856,000 | 2,156 |
| Average earning assets | $283,573,500 | 2,158 |
| Average equity | $42,107,000 | 1,760 |
| Average total loans | $248,957,000 | 1,804 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 1,992 |
| Cost of funding earning assets | 1.0325% | 141 |
| Net interest margin | 3.3395% | 4,153 |
| Noninterest income to average assets | 0.1806% | 5,508 |
| Noninterest expense to average assets | 2.5163% | 4,178 |
| Loan and lease loss provision to assets | 0.1009% | 2,303 |
| Net operating income to assets | 0.4571% | 4,858 |
| Return on assets (ROA) | 0.4571% | 4,941 |
| Pretax return on assets | 0.6696% | 4,619 |
| Return on Equity (ROE) | 3.3435% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.3435% | 3,674 |
| Net charge-offs to loans | 0.1455% | 1,907 |
| Credit loss provision to net charge-offs | 83.7466% | 2,884 |
| Earnings coverage of net charge-offs (x) | 6.3939% | 3,235 |
| Efficiency ratio | 76.5579% | 2,184 |
| Assets per employee ($millions) | 3.4995% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,683 |
| Loan loss allowance to noncurrent loans | 64.3043% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.3989% | 1,494 |
| Noncurrent loans to loans | 1.5369% | 1,505 |
| Net loans and leases to total assets | 81.5083% | 638 |
| Net loans and leases to deposits | 98.4180% | 791 |
| Net loans and leases to core deposits | 103.9828% | 1,221 |
| Total domestic deposits to total assets | 82.8185% | 3,899 |
| Equity capital to assets | 13.7531% | 1,018 |
| Core capital (leverage) ratio | 13.7090% | 906 |
| Tier 1 risk-based capital ratio | 21.8457% | 1,172 |
| Total risk-based capital ratio | 23.0980% | 1,148 |
| Memoranda: | ||
| Average total assets | $301,230,400 | 2,142 |
| Average earning assets | $280,190,200 | 2,137 |
| Average equity | $41,184,200 | 1,757 |
| Average total loans | $249,451,800 | 1,736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 2,013 |
| Cost of funding earning assets | 1.0522% | 130 |
| Net interest margin | 3.3180% | 4,272 |
| Noninterest income to average assets | 0.1815% | 5,569 |
| Noninterest expense to average assets | 2.4751% | 4,270 |
| Loan and lease loss provision to assets | 0.0999% | 2,181 |
| Net operating income to assets | 0.4371% | 5,019 |
| Return on assets (ROA) | 0.4371% | 5,118 |
| Pretax return on assets | 0.6937% | 4,700 |
| Return on Equity (ROE) | 3.2022% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,180 |
| Net charge-offs to loans | 0.1632% | 1,522 |
| Credit loss provision to net charge-offs | 73.7705% | 2,701 |
| Earnings coverage of net charge-offs (x) | 5.8622% | 3,142 |
| Efficiency ratio | 75.7230% | 2,282 |
| Assets per employee ($millions) | 3.9644% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 4,854 |
| Loan loss allowance to noncurrent loans | 65.0768% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 1,691 |
| Noncurrent loans to loans | 1.5025% | 1,673 |
| Net loans and leases to total assets | 82.5520% | 520 |
| Net loans and leases to deposits | 99.6950% | 680 |
| Net loans and leases to core deposits | 105.5337% | 1,134 |
| Total domestic deposits to total assets | 82.8046% | 3,879 |
| Equity capital to assets | 13.7779% | 1,113 |
| Core capital (leverage) ratio | 13.6649% | 954 |
| Tier 1 risk-based capital ratio | 21.6876% | 1,239 |
| Total risk-based capital ratio | 22.9406% | 1,211 |
| Memoranda: | ||
| Average total assets | $300,424,250 | 2,162 |
| Average earning assets | $279,521,750 | 2,152 |
| Average equity | $41,012,250 | 1,774 |
| Average total loans | $249,156,500 | 1,741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 1,952 |
| Cost of funding earning assets | 1.0885% | 105 |
| Net interest margin | 3.2798% | 4,377 |
| Noninterest income to average assets | 0.1879% | 5,565 |
| Noninterest expense to average assets | 2.4458% | 4,408 |
| Loan and lease loss provision to assets | 0.0400% | 3,314 |
| Net operating income to assets | 0.4790% | 4,856 |
| Return on assets (ROA) | 0.4790% | 4,958 |
| Pretax return on assets | 0.7535% | 4,478 |
| Return on Equity (ROE) | 3.5162% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.5162% | 3,792 |
| Net charge-offs to loans | 0.2133% | 1,193 |
| Credit loss provision to net charge-offs | 22.6415% | 2,993 |
| Earnings coverage of net charge-offs (x) | 4.4943% | 3,035 |
| Efficiency ratio | 75.5039% | 2,453 |
| Assets per employee ($millions) | 3.9914% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 5,167 |
| Loan loss allowance to noncurrent loans | 66.0062% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 1,862 |
| Noncurrent loans to loans | 1.4144% | 1,900 |
| Net loans and leases to total assets | 81.5760% | 597 |
| Net loans and leases to deposits | 98.2498% | 774 |
| Net loans and leases to core deposits | 104.6140% | 1,153 |
| Total domestic deposits to total assets | 83.0291% | 3,943 |
| Equity capital to assets | 13.5820% | 1,133 |
| Core capital (leverage) ratio | 13.7210% | 923 |
| Tier 1 risk-based capital ratio | 21.5601% | 1,273 |
| Total risk-based capital ratio | 22.7875% | 1,258 |
| Memoranda: | ||
| Average total assets | $300,184,330 | 2,184 |
| Average earning assets | $279,281,670 | 2,167 |
| Average equity | $40,896,330 | 1,788 |
| Average total loans | $248,481,670 | 1,753 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 1,731 |
| Cost of funding earning assets | 1.1053% | 94 |
| Net interest margin | 3.3044% | 4,196 |
| Noninterest income to average assets | 0.1929% | 5,551 |
| Noninterest expense to average assets | 2.4675% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5144% | 4,601 |
| Return on assets (ROA) | 0.5144% | 4,725 |
| Pretax return on assets | 0.8011% | 4,236 |
| Return on Equity (ROE) | 3.7698% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.7698% | 3,747 |
| Net charge-offs to loans | 0.1081% | 1,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.9254% | 2,049 |
| Efficiency ratio | 75.4918% | 2,586 |
| Assets per employee ($millions) | 4.1315% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,037 |
| Loan loss allowance to noncurrent loans | 55.4707% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.6167% | 1,579 |
| Noncurrent loans to loans | 1.7994% | 1,510 |
| Net loans and leases to total assets | 81.1990% | 551 |
| Net loans and leases to deposits | 97.7699% | 698 |
| Net loans and leases to core deposits | 104.4494% | 1,037 |
| Total domestic deposits to total assets | 83.0512% | 4,166 |
| Equity capital to assets | 13.5794% | 1,141 |
| Core capital (leverage) ratio | 13.6170% | 935 |
| Tier 1 risk-based capital ratio | 22.0358% | 1,237 |
| Total risk-based capital ratio | 23.2897% | 1,215 |
| Memoranda: | ||
| Average total assets | $298,605,000 | 2,204 |
| Average earning assets | $277,929,500 | 2,189 |
| Average equity | $40,744,500 | 1,801 |
| Average total loans | $247,829,000 | 1,756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 1,807 |
| Cost of funding earning assets | 1.0632% | 172 |
| Net interest margin | 3.4513% | 3,974 |
| Noninterest income to average assets | 0.1761% | 5,803 |
| Noninterest expense to average assets | 2.4879% | 4,587 |
| Loan and lease loss provision to assets | 0.0412% | 3,754 |
| Net operating income to assets | 0.5631% | 4,540 |
| Return on assets (ROA) | 0.5833% | 4,532 |
| Pretax return on assets | 0.9109% | 3,867 |
| Return on Equity (ROE) | 4.2713% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.2713% | 3,147 |
| Net charge-offs to loans | 0.0326% | 4,180 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 33.5125% | 1,236 |
| Efficiency ratio | 72.9928% | 3,033 |
| Assets per employee ($millions) | 4.2231% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 4,940 |
| Loan loss allowance to noncurrent loans | 50.8115% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.8663% | 1,386 |
| Noncurrent loans to loans | 2.0101% | 1,384 |
| Net loans and leases to total assets | 83.1354% | 418 |
| Net loans and leases to deposits | 100.4094% | 603 |
| Net loans and leases to core deposits | 106.2553% | 1,003 |
| Total domestic deposits to total assets | 82.7965% | 4,147 |
| Equity capital to assets | 13.7118% | 1,068 |
| Core capital (leverage) ratio | 13.6438% | 924 |
| Tier 1 risk-based capital ratio | 21.2574% | 1,349 |
| Total risk-based capital ratio | 22.5118% | 1,324 |
| Memoranda: | ||
| Average total assets | $291,252,800 | 2,202 |
| Average earning assets | $272,768,800 | 2,174 |
| Average equity | $39,777,400 | 1,786 |
| Average total loans | $245,074,000 | 1,718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,754 |
| Cost of funding earning assets | 1.0457% | 197 |
| Net interest margin | 3.4883% | 3,877 |
| Noninterest income to average assets | 0.1866% | 5,804 |
| Noninterest expense to average assets | 2.4087% | 4,798 |
| Loan and lease loss provision to assets | 0.0551% | 3,268 |
| Net operating income to assets | 0.6813% | 4,034 |
| Return on assets (ROA) | 0.7104% | 3,991 |
| Pretax return on assets | 1.0380% | 3,435 |
| Return on Equity (ROE) | 5.2068% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.2068% | 2,948 |
| Net charge-offs to loans | 0.0164% | 4,213 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 76.1980% | 729 |
| Efficiency ratio | 69.6334% | 3,574 |
| Assets per employee ($millions) | 4.2098% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 5,018 |
| Loan loss allowance to noncurrent loans | 54.1702% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 1,619 |
| Noncurrent loans to loans | 1.9275% | 1,661 |
| Net loans and leases to total assets | 84.3395% | 316 |
| Net loans and leases to deposits | 101.2623% | 541 |
| Net loans and leases to core deposits | 106.9318% | 903 |
| Total domestic deposits to total assets | 83.2881% | 4,033 |
| Equity capital to assets | 13.8986% | 1,040 |
| Core capital (leverage) ratio | 13.8318% | 888 |
| Tier 1 risk-based capital ratio | 21.6376% | 1,317 |
| Total risk-based capital ratio | 22.8940% | 1,297 |
| Memoranda: | ||
| Average total assets | $290,162,500 | 2,224 |
| Average earning assets | $272,219,250 | 2,194 |
| Average equity | $39,588,250 | 1,804 |
| Average total loans | $244,268,500 | 1,737 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 1,664 |
| Cost of funding earning assets | 1.0280% | 224 |
| Net interest margin | 3.5245% | 3,682 |
| Noninterest income to average assets | 0.2020% | 5,751 |
| Noninterest expense to average assets | 2.3754% | 4,958 |
| Loan and lease loss provision to assets | 0.0827% | 2,651 |
| Net operating income to assets | 0.7169% | 3,749 |
| Return on assets (ROA) | 0.7605% | 3,619 |
| Pretax return on assets | 1.1129% | 3,047 |
| Return on Equity (ROE) | 5.6094% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.6094% | 2,573 |
| Net charge-offs to loans | -0.0732% | 6,036 |
| Credit loss provision to net charge-offs | -134.8315% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7350% | 4,052 |
| Assets per employee ($millions) | 3.9642% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 4,880 |
| Loan loss allowance to noncurrent loans | 57.3944% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.1445% | 1,436 |
| Noncurrent loans to loans | 1.9269% | 1,767 |
| Net loans and leases to total assets | 83.5874% | 332 |
| Net loans and leases to deposits | 100.2304% | 549 |
| Net loans and leases to core deposits | 105.7165% | 909 |
| Total domestic deposits to total assets | 83.3952% | 4,154 |
| Equity capital to assets | 13.7843% | 1,057 |
| Core capital (leverage) ratio | 13.7311% | 908 |
| Tier 1 risk-based capital ratio | 21.4411% | 1,358 |
| Total risk-based capital ratio | 22.6978% | 1,331 |
| Memoranda: | ||
| Average total assets | $290,058,000 | 2,227 |
| Average earning assets | $271,983,330 | 2,196 |
| Average equity | $39,327,000 | 1,801 |
| Average total loans | $243,167,670 | 1,734 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,730 |
| Cost of funding earning assets | 1.0182% | 252 |
| Net interest margin | 3.5050% | 3,670 |
| Noninterest income to average assets | 0.2521% | 5,349 |
| Noninterest expense to average assets | 2.3678% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7989% | 3,162 |
| Return on assets (ROA) | 0.7989% | 3,239 |
| Pretax return on assets | 1.1750% | 2,588 |
| Return on Equity (ROE) | 5.9418% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.9418% | 2,573 |
| Net charge-offs to loans | -0.1947% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8351% | 4,389 |
| Assets per employee ($millions) | 4.3347% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,235 |
| Loan loss allowance to noncurrent loans | 51.0148% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8824% | 1,831 |
| Noncurrent loans to loans | 2.1042% | 1,749 |
| Net loans and leases to total assets | 82.9477% | 296 |
| Net loans and leases to deposits | 99.1905% | 481 |
| Net loans and leases to core deposits | 104.2672% | 845 |
| Total domestic deposits to total assets | 83.6247% | 4,410 |
| Equity capital to assets | 13.5632% | 1,080 |
| Core capital (leverage) ratio | 13.5023% | 974 |
| Tier 1 risk-based capital ratio | 21.3902% | 1,400 |
| Total risk-based capital ratio | 22.6464% | 1,376 |
| Memoranda: | ||
| Average total assets | $290,393,500 | 2,230 |
| Average earning assets | $272,638,500 | 2,195 |
| Average equity | $39,045,500 | 1,803 |
| Average total loans | $242,453,500 | 1,741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 2,422 |
| Cost of funding earning assets | 1.2196% | 157 |
| Net interest margin | 3.2232% | 4,918 |
| Noninterest income to average assets | 0.1659% | 6,095 |
| Noninterest expense to average assets | 2.2777% | 5,433 |
| Loan and lease loss provision to assets | 0.2042% | 1,818 |
| Net operating income to assets | 0.4873% | 4,787 |
| Return on assets (ROA) | 0.4893% | 4,922 |
| Pretax return on assets | 0.7150% | 4,485 |
| Return on Equity (ROE) | 3.8803% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.8803% | 3,444 |
| Net charge-offs to loans | 0.2500% | 2,470 |
| Credit loss provision to net charge-offs | 103.1720% | 2,348 |
| Earnings coverage of net charge-offs (x) | 4.6294% | 3,508 |
| Efficiency ratio | 71.3148% | 3,605 |
| Assets per employee ($millions) | 4.2081% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 5,401 |
| Loan loss allowance to noncurrent loans | 47.3265% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 1,873 |
| Noncurrent loans to loans | 2.1848% | 1,787 |
| Net loans and leases to total assets | 82.2752% | 392 |
| Net loans and leases to deposits | 98.1633% | 582 |
| Net loans and leases to core deposits | 103.5536% | 939 |
| Total domestic deposits to total assets | 83.8147% | 4,238 |
| Equity capital to assets | 13.3282% | 1,131 |
| Core capital (leverage) ratio | 13.3055% | 1,021 |
| Tier 1 risk-based capital ratio | 20.9401% | 1,432 |
| Total risk-based capital ratio | 22.1943% | 1,410 |
| Memoranda: | ||
| Average total assets | $302,678,400 | 2,130 |
| Average earning assets | $284,346,600 | 2,081 |
| Average equity | $38,167,000 | 1,819 |
| Average total loans | $239,623,000 | 1,729 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 2,473 |
| Cost of funding earning assets | 1.2753% | 141 |
| Net interest margin | 3.1614% | 5,111 |
| Noninterest income to average assets | 0.1797% | 6,121 |
| Noninterest expense to average assets | 2.1703% | 5,683 |
| Loan and lease loss provision to assets | 0.2390% | 1,509 |
| Net operating income to assets | 0.4836% | 4,874 |
| Return on assets (ROA) | 0.4836% | 5,031 |
| Pretax return on assets | 0.7409% | 4,527 |
| Return on Equity (ROE) | 3.8877% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,922 |
| Net charge-offs to loans | 0.2798% | 2,150 |
| Credit loss provision to net charge-offs | 109.1633% | 2,153 |
| Earnings coverage of net charge-offs (x) | 4.4761% | 3,430 |
| Efficiency ratio | 68.8953% | 3,935 |
| Assets per employee ($millions) | 4.0924% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 5,501 |
| Loan loss allowance to noncurrent loans | 43.8651% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.1137% | 1,892 |
| Noncurrent loans to loans | 2.4068% | 1,823 |
| Net loans and leases to total assets | 80.2803% | 517 |
| Net loans and leases to deposits | 94.5764% | 785 |
| Net loans and leases to core deposits | 100.3777% | 1,088 |
| Total domestic deposits to total assets | 84.8841% | 3,798 |
| Equity capital to assets | 13.0188% | 1,325 |
| Core capital (leverage) ratio | 12.9856% | 1,214 |
| Tier 1 risk-based capital ratio | 20.3988% | 1,626 |
| Total risk-based capital ratio | 21.6527% | 1,600 |
| Memoranda: | ||
| Average total assets | $305,757,500 | 2,112 |
| Average earning assets | $287,291,500 | 2,076 |
| Average equity | $38,033,750 | 1,837 |
| Average total loans | $239,180,750 | 1,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,560 |
| Cost of funding earning assets | 1.3153% | 132 |
| Net interest margin | 3.0851% | 5,315 |
| Noninterest income to average assets | 0.1758% | 6,157 |
| Noninterest expense to average assets | 2.1121% | 5,846 |
| Loan and lease loss provision to assets | 0.1842% | 2,058 |
| Net operating income to assets | 0.5060% | 4,776 |
| Return on assets (ROA) | 0.5060% | 4,939 |
| Pretax return on assets | 0.7794% | 4,390 |
| Return on Equity (ROE) | 4.1292% | 5,164 |
| Retained earnings to average equity (ytd only) | 4.1292% | 3,663 |
| Net charge-offs to loans | 0.2926% | 2,019 |
| Credit loss provision to net charge-offs | 81.4286% | 2,601 |
| Earnings coverage of net charge-offs (x) | 4.2600% | 3,178 |
| Efficiency ratio | 68.6699% | 4,066 |
| Assets per employee ($millions) | 4.3887% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,751 |
| Loan loss allowance to noncurrent loans | 40.3142% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 2.0996% | 2,055 |
| Noncurrent loans to loans | 2.5216% | 1,834 |
| Net loans and leases to total assets | 76.4505% | 931 |
| Net loans and leases to deposits | 89.3354% | 1,205 |
| Net loans and leases to core deposits | 95.4262% | 1,403 |
| Total domestic deposits to total assets | 85.5769% | 3,595 |
| Equity capital to assets | 12.4170% | 1,628 |
| Core capital (leverage) ratio | 12.3490% | 1,435 |
| Tier 1 risk-based capital ratio | 20.1928% | 1,677 |
| Total risk-based capital ratio | 21.4458% | 1,653 |
| Memoranda: | ||
| Average total assets | $309,460,000 | 2,091 |
| Average earning assets | $290,877,670 | 2,049 |
| Average equity | $37,925,000 | 1,853 |
| Average total loans | $239,217,670 | 1,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 2,555 |
| Cost of funding earning assets | 1.3393% | 133 |
| Net interest margin | 3.0516% | 5,426 |
| Noninterest income to average assets | 0.1661% | 6,266 |
| Noninterest expense to average assets | 2.1018% | 5,912 |
| Loan and lease loss provision to assets | 0.1674% | 2,184 |
| Net operating income to assets | 0.4958% | 4,686 |
| Return on assets (ROA) | 0.4958% | 4,841 |
| Pretax return on assets | 0.7637% | 4,314 |
| Return on Equity (ROE) | 4.0725% | 5,055 |
| Retained earnings to average equity (ytd only) | 4.0725% | 3,776 |
| Net charge-offs to loans | 0.1182% | 2,718 |
| Credit loss provision to net charge-offs | 183.0986% | 1,172 |
| Earnings coverage of net charge-offs (x) | 10.1831% | 1,769 |
| Efficiency ratio | 69.2994% | 4,094 |
| Assets per employee ($millions) | 4.4378% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 5,763 |
| Loan loss allowance to noncurrent loans | 41.2962% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 2.1590% | 2,170 |
| Noncurrent loans to loans | 2.5629% | 2,015 |
| Net loans and leases to total assets | 76.3158% | 801 |
| Net loans and leases to deposits | 88.9476% | 1,054 |
| Net loans and leases to core deposits | 95.4423% | 1,234 |
| Total domestic deposits to total assets | 85.7986% | 3,636 |
| Equity capital to assets | 12.2332% | 1,881 |
| Core capital (leverage) ratio | 12.1133% | 1,505 |
| Tier 1 risk-based capital ratio | 19.8687% | 1,810 |
| Total risk-based capital ratio | 21.1215% | 1,776 |
| Memoranda: | ||
| Average total assets | $310,586,000 | 2,118 |
| Average earning assets | $291,785,500 | 2,067 |
| Average equity | $37,814,500 | 1,876 |
| Average total loans | $240,189,500 | 1,724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,594 |
| Cost of funding earning assets | 1.5191% | 151 |
| Net interest margin | 3.1806% | 5,617 |
| Noninterest income to average assets | 0.1663% | 6,200 |
| Noninterest expense to average assets | 2.0961% | 6,137 |
| Loan and lease loss provision to assets | 0.1272% | 4,022 |
| Net operating income to assets | 0.5798% | 4,338 |
| Return on assets (ROA) | 0.5600% | 4,686 |
| Pretax return on assets | 0.8873% | 3,966 |
| Return on Equity (ROE) | 4.7887% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.7887% | 2,856 |
| Net charge-offs to loans | 0.1457% | 4,237 |
| Credit loss provision to net charge-offs | 111.4206% | 2,618 |
| Earnings coverage of net charge-offs (x) | 9.1560% | 2,299 |
| Efficiency ratio | 66.7240% | 4,371 |
| Assets per employee ($millions) | 4.5666% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,862 |
| Loan loss allowance to noncurrent loans | 46.7094% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.9786% | 2,477 |
| Noncurrent loans to loans | 2.2025% | 2,461 |
| Net loans and leases to total assets | 76.7388% | 828 |
| Net loans and leases to deposits | 89.3819% | 1,131 |
| Net loans and leases to core deposits | 96.1181% | 1,290 |
| Total domestic deposits to total assets | 85.8550% | 3,423 |
| Equity capital to assets | 12.1172% | 1,967 |
| Core capital (leverage) ratio | 11.9940% | 1,567 |
| Tier 1 risk-based capital ratio | 19.4591% | 1,827 |
| Total risk-based capital ratio | 20.7103% | 1,794 |
| Memoranda: | ||
| Average total assets | $314,446,400 | 2,042 |
| Average earning assets | $294,124,800 | 2,008 |
| Average equity | $36,774,000 | 1,888 |
| Average total loans | $246,441,200 | 1,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 2,479 |
| Cost of funding earning assets | 1.5519% | 158 |
| Net interest margin | 3.2238% | 5,638 |
| Noninterest income to average assets | 0.1615% | 6,331 |
| Noninterest expense to average assets | 2.0382% | 6,292 |
| Loan and lease loss provision to assets | 0.1691% | 3,429 |
| Net operating income to assets | 0.6171% | 4,313 |
| Return on assets (ROA) | 0.6171% | 4,569 |
| Pretax return on assets | 0.9659% | 3,844 |
| Return on Equity (ROE) | 5.3243% | 4,676 |
| Retained earnings to average equity (ytd only) | 5.3243% | 3,138 |
| Net charge-offs to loans | 0.1458% | 3,945 |
| Credit loss provision to net charge-offs | 147.6015% | 1,921 |
| Earnings coverage of net charge-offs (x) | 9.9079% | 2,255 |
| Efficiency ratio | 64.2334% | 4,772 |
| Assets per employee ($millions) | 4.6061% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,905 |
| Loan loss allowance to noncurrent loans | 49.9319% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 2,704 |
| Noncurrent loans to loans | 2.0958% | 2,742 |
| Net loans and leases to total assets | 77.4371% | 802 |
| Net loans and leases to deposits | 89.9070% | 1,155 |
| Net loans and leases to core deposits | 96.5038% | 1,371 |
| Total domestic deposits to total assets | 86.1302% | 3,180 |
| Equity capital to assets | 11.9165% | 2,339 |
| Core capital (leverage) ratio | 11.7801% | 1,782 |
| Tier 1 risk-based capital ratio | 19.6590% | 1,839 |
| Total risk-based capital ratio | 20.9157% | 1,812 |
| Memoranda: | ||
| Average total assets | $315,426,500 | 2,062 |
| Average earning assets | $294,678,750 | 2,027 |
| Average equity | $36,560,750 | 1,919 |
| Average total loans | $247,858,750 | 1,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 2,345 |
| Cost of funding earning assets | 1.5822% | 168 |
| Net interest margin | 3.2564% | 5,575 |
| Noninterest income to average assets | 0.1746% | 6,307 |
| Noninterest expense to average assets | 2.0527% | 6,327 |
| Loan and lease loss provision to assets | 0.2530% | 2,553 |
| Net operating income to assets | 0.5851% | 4,430 |
| Return on assets (ROA) | 0.5851% | 4,691 |
| Pretax return on assets | 0.9141% | 4,024 |
| Return on Equity (ROE) | 5.0955% | 4,763 |
| Retained earnings to average equity (ytd only) | 5.0955% | 3,227 |
| Net charge-offs to loans | 0.1519% | 3,699 |
| Credit loss provision to net charge-offs | 211.6402% | 1,332 |
| Earnings coverage of net charge-offs (x) | 9.7619% | 2,131 |
| Efficiency ratio | 63.7525% | 4,937 |
| Assets per employee ($millions) | 4.8208% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 5,893 |
| Loan loss allowance to noncurrent loans | 50.7088% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.0172% | 2,756 |
| Noncurrent loans to loans | 2.1112% | 2,812 |
| Net loans and leases to total assets | 78.0617% | 712 |
| Net loans and leases to deposits | 90.4414% | 1,103 |
| Net loans and leases to core deposits | 97.0258% | 1,346 |
| Total domestic deposits to total assets | 86.3118% | 3,187 |
| Equity capital to assets | 11.7351% | 2,377 |
| Core capital (leverage) ratio | 11.6038% | 1,833 |
| Tier 1 risk-based capital ratio | 19.0627% | 1,953 |
| Total risk-based capital ratio | 20.2880% | 1,938 |
| Memoranda: | ||
| Average total assets | $316,164,330 | 2,052 |
| Average earning assets | $295,665,670 | 2,011 |
| Average equity | $36,306,330 | 1,917 |
| Average total loans | $248,775,670 | 1,669 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 2,317 |
| Cost of funding earning assets | 1.6291% | 167 |
| Net interest margin | 3.2514% | 5,625 |
| Noninterest income to average assets | 0.2003% | 6,192 |
| Noninterest expense to average assets | 2.0531% | 6,373 |
| Loan and lease loss provision to assets | 0.1260% | 3,773 |
| Net operating income to assets | 0.6713% | 4,024 |
| Return on assets (ROA) | 0.6713% | 4,239 |
| Pretax return on assets | 1.0606% | 3,467 |
| Return on Equity (ROE) | 5.9102% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.9102% | 3,016 |
| Net charge-offs to loans | 0.0689% | 3,796 |
| Credit loss provision to net charge-offs | 232.5581% | 1,209 |
| Earnings coverage of net charge-offs (x) | 21.9070% | 1,143 |
| Efficiency ratio | 63.3748% | 5,038 |
| Assets per employee ($millions) | 4.9003% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,231 |
| Loan loss allowance to noncurrent loans | 84.1945% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 3,993 |
| Noncurrent loans to loans | 1.1928% | 4,341 |
| Net loans and leases to total assets | 77.1507% | 685 |
| Net loans and leases to deposits | 89.0133% | 1,060 |
| Net loans and leases to core deposits | 94.9008% | 1,380 |
| Total domestic deposits to total assets | 86.6732% | 3,131 |
| Equity capital to assets | 11.4060% | 2,521 |
| Core capital (leverage) ratio | 11.2885% | 2,040 |
| Tier 1 risk-based capital ratio | 18.1777% | 2,226 |
| Total risk-based capital ratio | 19.4282% | 2,201 |
| Memoranda: | ||
| Average total assets | $317,571,000 | 2,049 |
| Average earning assets | $296,859,000 | 2,002 |
| Average equity | $36,073,500 | 1,924 |
| Average total loans | $249,536,500 | 1,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 2,571 |
| Cost of funding earning assets | 1.8349% | 190 |
| Net interest margin | 3.2335% | 6,002 |
| Noninterest income to average assets | 0.0431% | 6,862 |
| Noninterest expense to average assets | 2.2378% | 6,190 |
| Loan and lease loss provision to assets | 0.1698% | 4,518 |
| Net operating income to assets | 0.5837% | 4,082 |
| Return on assets (ROA) | 0.5724% | 4,320 |
| Pretax return on assets | 0.6467% | 4,525 |
| Return on Equity (ROE) | 5.4106% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.4106% | 2,364 |
| Net charge-offs to loans | 0.1044% | 5,312 |
| Credit loss provision to net charge-offs | 206.6421% | 1,203 |
| Earnings coverage of net charge-offs (x) | 10.0923% | 1,886 |
| Efficiency ratio | 72.9636% | 3,396 |
| Assets per employee ($millions) | 4.7973% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,428 |
| Loan loss allowance to noncurrent loans | 100.1698% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 4,057 |
| Noncurrent loans to loans | 0.9392% | 4,824 |
| Net loans and leases to total assets | 78.4783% | 658 |
| Net loans and leases to deposits | 90.5444% | 1,090 |
| Net loans and leases to core deposits | 95.9716% | 1,493 |
| Total domestic deposits to total assets | 86.6738% | 2,932 |
| Equity capital to assets | 11.3121% | 2,675 |
| Core capital (leverage) ratio | 11.1980% | 2,119 |
| Tier 1 risk-based capital ratio | 17.2645% | 2,483 |
| Total risk-based capital ratio | 18.4163% | 2,485 |
| Memoranda: | ||
| Average total assets | $329,834,800 | 1,957 |
| Average earning assets | $308,462,200 | 1,904 |
| Average equity | $34,894,400 | 1,927 |
| Average total loans | $259,641,800 | 1,621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 2,746 |
| Cost of funding earning assets | 1.8499% | 210 |
| Net interest margin | 3.2227% | 6,103 |
| Noninterest income to average assets | 0.0396% | 6,987 |
| Noninterest expense to average assets | 1.8867% | 6,864 |
| Loan and lease loss provision to assets | 0.1581% | 4,490 |
| Net operating income to assets | 0.6484% | 3,878 |
| Return on assets (ROA) | 0.6484% | 4,053 |
| Pretax return on assets | 1.0090% | 3,366 |
| Return on Equity (ROE) | 6.2311% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2311% | 2,415 |
| Net charge-offs to loans | 0.1523% | 4,551 |
| Credit loss provision to net charge-offs | 132.1070% | 2,415 |
| Earnings coverage of net charge-offs (x) | 9.7524% | 2,009 |
| Efficiency ratio | 61.7824% | 5,444 |
| Assets per employee ($millions) | 4.9780% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,553 |
| Loan loss allowance to noncurrent loans | 351.1869% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 5,016 |
| Noncurrent loans to loans | 0.2605% | 6,353 |
| Net loans and leases to total assets | 78.0268% | 703 |
| Net loans and leases to deposits | 92.7290% | 944 |
| Net loans and leases to core deposits | 98.0145% | 1,425 |
| Total domestic deposits to total assets | 84.1449% | 4,159 |
| Equity capital to assets | 10.8180% | 3,334 |
| Core capital (leverage) ratio | 10.7029% | 2,661 |
| Tier 1 risk-based capital ratio | 16.7151% | 2,760 |
| Total risk-based capital ratio | 17.8428% | 2,780 |
| Memoranda: | ||
| Average total assets | $333,137,250 | 1,951 |
| Average earning assets | $311,578,000 | 1,896 |
| Average equity | $34,663,750 | 1,941 |
| Average total loans | $261,841,750 | 1,620 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 2,709 |
| Cost of funding earning assets | 1.8627% | 248 |
| Net interest margin | 3.2312% | 6,060 |
| Noninterest income to average assets | 0.0789% | 6,931 |
| Noninterest expense to average assets | 1.9100% | 6,934 |
| Loan and lease loss provision to assets | 0.1165% | 4,819 |
| Net operating income to assets | 0.6884% | 3,604 |
| Return on assets (ROA) | 0.6884% | 3,723 |
| Pretax return on assets | 1.0721% | 2,961 |
| Return on Equity (ROE) | 6.7033% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.7033% | 2,018 |
| Net charge-offs to loans | 0.1750% | 4,120 |
| Credit loss provision to net charge-offs | 84.7826% | 3,624 |
| Earnings coverage of net charge-offs (x) | 8.6478% | 2,026 |
| Efficiency ratio | 61.6393% | 5,639 |
| Assets per employee ($millions) | 4.9040% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 6,679 |
| Loan loss allowance to noncurrent loans | 363.7931% | 879 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 4,815 |
| Noncurrent loans to loans | 0.2450% | 6,430 |
| Net loans and leases to total assets | 77.3907% | 859 |
| Net loans and leases to deposits | 91.6220% | 1,100 |
| Net loans and leases to core deposits | 96.5788% | 1,622 |
| Total domestic deposits to total assets | 84.4675% | 4,138 |
| Equity capital to assets | 10.5091% | 3,493 |
| Core capital (leverage) ratio | 10.4102% | 2,814 |
| Tier 1 risk-based capital ratio | 16.0532% | 2,956 |
| Total risk-based capital ratio | 17.2593% | 2,937 |
| Memoranda: | ||
| Average total assets | $334,668,000 | 1,948 |
| Average earning assets | $312,766,000 | 1,901 |
| Average equity | $34,371,000 | 1,941 |
| Average total loans | $262,882,330 | 1,638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0884% | 2,694 |
| Cost of funding earning assets | 1.8972% | 254 |
| Net interest margin | 3.1912% | 6,096 |
| Noninterest income to average assets | 0.1122% | 6,853 |
| Noninterest expense to average assets | 1.8994% | 6,986 |
| Loan and lease loss provision to assets | 0.0477% | 5,404 |
| Net operating income to assets | 0.7373% | 3,336 |
| Return on assets (ROA) | 0.7373% | 3,403 |
| Pretax return on assets | 1.1573% | 2,524 |
| Return on Equity (ROE) | 7.2633% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.2633% | 2,036 |
| Net charge-offs to loans | 0.2287% | 3,168 |
| Credit loss provision to net charge-offs | 26.4901% | 4,177 |
| Earnings coverage of net charge-offs (x) | 6.6887% | 2,063 |
| Efficiency ratio | 61.1837% | 5,809 |
| Assets per employee ($millions) | 4.8641% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 6,758 |
| Loan loss allowance to noncurrent loans | 153.8306% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 4,826 |
| Noncurrent loans to loans | 0.5691% | 5,884 |
| Net loans and leases to total assets | 77.2255% | 843 |
| Net loans and leases to deposits | 91.1061% | 1,103 |
| Net loans and leases to core deposits | 96.1158% | 1,667 |
| Total domestic deposits to total assets | 84.7644% | 4,143 |
| Equity capital to assets | 10.2285% | 3,503 |
| Core capital (leverage) ratio | 10.1629% | 2,959 |
| Tier 1 risk-based capital ratio | 15.7362% | 3,031 |
| Total risk-based capital ratio | 16.8633% | 3,056 |
| Memoranda: | ||
| Average total assets | $335,265,000 | 1,956 |
| Average earning assets | $314,360,500 | 1,899 |
| Average equity | $34,034,000 | 1,944 |
| Average total loans | $264,124,000 | 1,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 2,664 |
| Cost of funding earning assets | 2.2907% | 218 |
| Net interest margin | 3.1108% | 6,497 |
| Noninterest income to average assets | 0.1128% | 6,837 |
| Noninterest expense to average assets | 1.8883% | 7,173 |
| Loan and lease loss provision to assets | 0.3001% | 4,405 |
| Net operating income to assets | 0.4321% | 4,402 |
| Return on assets (ROA) | 0.2140% | 5,396 |
| Pretax return on assets | 0.4999% | 4,620 |
| Return on Equity (ROE) | 2.1942% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.1942% | 4,355 |
| Net charge-offs to loans | 0.2910% | 4,561 |
| Credit loss provision to net charge-offs | 127.0101% | 3,184 |
| Earnings coverage of net charge-offs (x) | 4.8279% | 2,787 |
| Efficiency ratio | 62.3383% | 5,672 |
| Assets per employee ($millions) | 4.9251% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,693 |
| Loan loss allowance to noncurrent loans | 140.6124% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 5,123 |
| Noncurrent loans to loans | 0.6489% | 5,761 |
| Net loans and leases to total assets | 78.9289% | 811 |
| Net loans and leases to deposits | 92.9175% | 1,148 |
| Net loans and leases to core deposits | 97.9857% | 1,800 |
| Total domestic deposits to total assets | 84.9452% | 3,882 |
| Equity capital to assets | 10.0741% | 3,651 |
| Core capital (leverage) ratio | 10.0039% | 3,087 |
| Tier 1 risk-based capital ratio | 15.4398% | 3,021 |
| Total risk-based capital ratio | 16.6401% | 3,007 |
| Memoranda: | ||
| Average total assets | $336,864,000 | 1,936 |
| Average earning assets | $315,802,400 | 1,880 |
| Average equity | $32,859,800 | 2,002 |
| Average total loans | $273,546,800 | 1,633 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 2,754 |
| Cost of funding earning assets | 2.3574% | 224 |
| Net interest margin | 3.0700% | 6,687 |
| Noninterest income to average assets | 0.1063% | 7,021 |
| Noninterest expense to average assets | 1.8603% | 7,252 |
| Loan and lease loss provision to assets | 0.3201% | 4,028 |
| Net operating income to assets | 0.5241% | 4,205 |
| Return on assets (ROA) | 0.5241% | 4,382 |
| Pretax return on assets | 0.8035% | 3,891 |
| Return on Equity (ROE) | 5.4165% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.4165% | 2,699 |
| Net charge-offs to loans | 0.4379% | 3,545 |
| Credit loss provision to net charge-offs | 89.6018% | 4,782 |
| Earnings coverage of net charge-offs (x) | 3.1449% | 3,569 |
| Efficiency ratio | 62.3444% | 5,553 |
| Assets per employee ($millions) | 4.9828% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 7,054 |
| Loan loss allowance to noncurrent loans | 142.7132% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 5,376 |
| Noncurrent loans to loans | 0.5434% | 6,117 |
| Net loans and leases to total assets | 79.0794% | 872 |
| Net loans and leases to deposits | 93.2316% | 1,292 |
| Net loans and leases to core deposits | 98.3740% | 2,009 |
| Total domestic deposits to total assets | 84.8204% | 3,711 |
| Equity capital to assets | 9.7091% | 4,533 |
| Core capital (leverage) ratio | 9.5975% | 3,768 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,390 |
| Total risk-based capital ratio | 15.6504% | 3,541 |
| Memoranda: | ||
| Average total assets | $337,352,750 | 1,960 |
| Average earning assets | $316,214,250 | 1,906 |
| Average equity | $32,640,000 | 2,032 |
| Average total loans | $275,240,000 | 1,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 2,628 |
| Cost of funding earning assets | 2.3659% | 268 |
| Net interest margin | 3.1095% | 6,587 |
| Noninterest income to average assets | 0.1581% | 6,763 |
| Noninterest expense to average assets | 1.8091% | 7,378 |
| Loan and lease loss provision to assets | 0.3043% | 3,959 |
| Net operating income to assets | 0.6175% | 3,796 |
| Return on assets (ROA) | 0.6175% | 3,931 |
| Pretax return on assets | 0.9588% | 3,278 |
| Return on Equity (ROE) | 6.3903% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.3903% | 2,123 |
| Net charge-offs to loans | 0.0791% | 5,343 |
| Credit loss provision to net charge-offs | 467.8899% | 787 |
| Earnings coverage of net charge-offs (x) | 19.4220% | 1,252 |
| Efficiency ratio | 58.8852% | 6,247 |
| Assets per employee ($millions) | 5.0622% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,521 |
| Loan loss allowance to noncurrent loans | 126.6106% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,945 |
| Noncurrent loans to loans | 0.7665% | 5,738 |
| Net loans and leases to total assets | 80.3937% | 740 |
| Net loans and leases to deposits | 95.4687% | 1,096 |
| Net loans and leases to core deposits | 100.3539% | 1,977 |
| Total domestic deposits to total assets | 84.2094% | 4,009 |
| Equity capital to assets | 9.5991% | 4,554 |
| Core capital (leverage) ratio | 9.4900% | 3,836 |
| Tier 1 risk-based capital ratio | 14.2711% | 3,563 |
| Total risk-based capital ratio | 15.4583% | 3,564 |
| Memoranda: | ||
| Average total assets | $335,200,330 | 1,987 |
| Average earning assets | $314,132,330 | 1,938 |
| Average equity | $32,393,000 | 2,043 |
| Average total loans | $275,650,670 | 1,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 2,717 |
| Cost of funding earning assets | 2.3622% | 343 |
| Net interest margin | 3.1104% | 6,564 |
| Noninterest income to average assets | 0.2843% | 5,866 |
| Noninterest expense to average assets | 1.8217% | 7,444 |
| Loan and lease loss provision to assets | 0.2540% | 4,011 |
| Net operating income to assets | 0.7173% | 3,359 |
| Return on assets (ROA) | 0.7173% | 3,470 |
| Pretax return on assets | 1.1249% | 2,655 |
| Return on Equity (ROE) | 7.3968% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.3968% | 1,976 |
| Net charge-offs to loans | 0.0175% | 5,334 |
| Credit loss provision to net charge-offs | 1,750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 343 |
| Efficiency ratio | 56.9161% | 6,639 |
| Assets per employee ($millions) | 4.7871% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,795 |
| Loan loss allowance to noncurrent loans | 180.1149% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 5,831 |
| Noncurrent loans to loans | 0.5080% | 6,276 |
| Net loans and leases to total assets | 82.2574% | 559 |
| Net loans and leases to deposits | 98.2822% | 883 |
| Net loans and leases to core deposits | 103.2549% | 1,799 |
| Total domestic deposits to total assets | 83.6952% | 4,305 |
| Equity capital to assets | 9.8113% | 4,092 |
| Core capital (leverage) ratio | 9.7405% | 3,466 |
| Tier 1 risk-based capital ratio | 14.4933% | 3,378 |
| Total risk-based capital ratio | 15.6251% | 3,414 |
| Memoranda: | ||
| Average total assets | $330,685,000 | 2,061 |
| Average earning assets | $310,054,000 | 2,013 |
| Average equity | $32,068,000 | 2,084 |
| Average total loans | $273,750,000 | 1,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7185% | 3,014 |
| Cost of funding earning assets | 2.7577% | 503 |
| Net interest margin | 2.9608% | 6,732 |
| Noninterest income to average assets | 0.1111% | 7,205 |
| Noninterest expense to average assets | 2.0460% | 7,285 |
| Loan and lease loss provision to assets | 0.1101% | 6,545 |
| Net operating income to assets | 0.4944% | 3,750 |
| Return on assets (ROA) | 0.4718% | 3,960 |
| Pretax return on assets | 0.6947% | 3,593 |
| Return on Equity (ROE) | 4.7473% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.7473% | 1,948 |
| Net charge-offs to loans | 0.0768% | 6,346 |
| Credit loss provision to net charge-offs | 174.2424% | 2,417 |
| Earnings coverage of net charge-offs (x) | 13.2576% | 1,441 |
| Efficiency ratio | 70.9431% | 4,450 |
| Assets per employee ($millions) | 4.7979% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,995 |
| Loan loss allowance to noncurrent loans | 177.7692% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,822 |
| Noncurrent loans to loans | 0.4757% | 6,304 |
| Net loans and leases to total assets | 81.8509% | 706 |
| Net loans and leases to deposits | 98.3872% | 1,059 |
| Net loans and leases to core deposits | 130.7305% | 1,242 |
| Total domestic deposits to total assets | 83.1926% | 4,430 |
| Equity capital to assets | 9.5838% | 4,290 |
| Core capital (leverage) ratio | 9.5351% | 3,677 |
| Tier 1 risk-based capital ratio | 14.0067% | 3,492 |
| Total risk-based capital ratio | 15.0331% | 3,576 |
| Memoranda: | ||
| Average total assets | $313,240,800 | 2,144 |
| Average earning assets | $293,363,800 | 2,109 |
| Average equity | $31,133,200 | 2,160 |
| Average total loans | $257,966,000 | 1,850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 3,045 |
| Cost of funding earning assets | 2.8210% | 568 |
| Net interest margin | 2.9418% | 6,747 |
| Noninterest income to average assets | 0.1200% | 7,290 |
| Noninterest expense to average assets | 2.0285% | 7,332 |
| Loan and lease loss provision to assets | 0.0842% | 6,524 |
| Net operating income to assets | 0.4851% | 4,053 |
| Return on assets (ROA) | 0.4564% | 4,281 |
| Pretax return on assets | 0.7168% | 3,798 |
| Return on Equity (ROE) | 4.5484% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.5484% | 2,736 |
| Net charge-offs to loans | 0.0414% | 6,317 |
| Credit loss provision to net charge-offs | 246.8354% | 1,754 |
| Earnings coverage of net charge-offs (x) | 24.7976% | 1,080 |
| Efficiency ratio | 70.5723% | 4,485 |
| Assets per employee ($millions) | 4.6314% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 6,953 |
| Loan loss allowance to noncurrent loans | 48.7179% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 4,123 |
| Noncurrent loans to loans | 1.7442% | 4,009 |
| Net loans and leases to total assets | 83.2496% | 637 |
| Net loans and leases to deposits | 99.9177% | 1,109 |
| Net loans and leases to core deposits | 131.4857% | 1,350 |
| Total domestic deposits to total assets | 83.3181% | 4,056 |
| Equity capital to assets | 9.9650% | 4,131 |
| Core capital (leverage) ratio | 9.9034% | 3,395 |
| Tier 1 risk-based capital ratio | 14.4200% | 3,321 |
| Total risk-based capital ratio | 15.4601% | 3,384 |
| Memoranda: | ||
| Average total assets | $308,786,750 | 2,182 |
| Average earning assets | $289,111,000 | 2,142 |
| Average equity | $30,984,500 | 2,190 |
| Average total loans | $254,136,500 | 1,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8350% | 2,878 |
| Cost of funding earning assets | 2.9266% | 574 |
| Net interest margin | 2.9084% | 6,778 |
| Noninterest income to average assets | 0.1212% | 7,374 |
| Noninterest expense to average assets | 2.0715% | 7,329 |
| Loan and lease loss provision to assets | 0.0786% | 6,400 |
| Net operating income to assets | 0.4309% | 4,375 |
| Return on assets (ROA) | 0.3873% | 4,661 |
| Pretax return on assets | 0.6226% | 4,260 |
| Return on Equity (ROE) | 3.8505% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.8505% | 3,147 |
| Net charge-offs to loans | 0.0273% | 6,092 |
| Credit loss provision to net charge-offs | 352.9412% | 1,314 |
| Earnings coverage of net charge-offs (x) | 34.5294% | 905 |
| Efficiency ratio | 72.9181% | 4,225 |
| Assets per employee ($millions) | 4.4549% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,798 |
| Loan loss allowance to noncurrent loans | 63.4876% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 4,417 |
| Noncurrent loans to loans | 1.4098% | 4,393 |
| Net loans and leases to total assets | 82.2393% | 918 |
| Net loans and leases to deposits | 97.5855% | 1,588 |
| Net loans and leases to core deposits | 128.7434% | 1,667 |
| Total domestic deposits to total assets | 84.2741% | 3,613 |
| Equity capital to assets | 10.2580% | 3,659 |
| Core capital (leverage) ratio | 10.2479% | 3,044 |
| Tier 1 risk-based capital ratio | 15.2467% | 2,911 |
| Total risk-based capital ratio | 16.3520% | 2,913 |
| Memoranda: | ||
| Average total assets | $305,193,000 | 2,228 |
| Average earning assets | $285,381,330 | 2,194 |
| Average equity | $30,697,670 | 2,218 |
| Average total loans | $249,409,000 | 1,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 3,134 |
| Cost of funding earning assets | 3.0159% | 583 |
| Net interest margin | 2.8149% | 6,960 |
| Noninterest income to average assets | 0.1019% | 7,527 |
| Noninterest expense to average assets | 1.8947% | 7,557 |
| Loan and lease loss provision to assets | 0.1567% | 4,928 |
| Net operating income to assets | 0.3899% | 4,892 |
| Return on assets (ROA) | 0.3029% | 5,462 |
| Pretax return on assets | 0.5484% | 4,922 |
| Return on Equity (ROE) | 3.0417% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.0417% | 4,187 |
| Net charge-offs to loans | 0.0564% | 4,682 |
| Credit loss provision to net charge-offs | 342.8571% | 1,464 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,465 |
| Efficiency ratio | 69.2601% | 4,725 |
| Assets per employee ($millions) | 4.6067% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,711 |
| Loan loss allowance to noncurrent loans | 164.8827% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 5,896 |
| Noncurrent loans to loans | 0.5509% | 6,037 |
| Net loans and leases to total assets | 79.4958% | 1,476 |
| Net loans and leases to deposits | 93.8377% | 2,298 |
| Net loans and leases to core deposits | 124.2325% | 2,064 |
| Total domestic deposits to total assets | 84.7163% | 3,349 |
| Equity capital to assets | 9.9291% | 4,074 |
| Core capital (leverage) ratio | 9.9323% | 3,480 |
| Tier 1 risk-based capital ratio | 15.0924% | 3,020 |
| Total risk-based capital ratio | 16.1996% | 3,022 |
| Memoranda: | ||
| Average total assets | $306,323,000 | 2,232 |
| Average earning assets | $286,619,000 | 2,202 |
| Average equity | $30,509,000 | 2,229 |
| Average total loans | $248,423,500 | 1,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 4,716 |
| Cost of funding earning assets | 3.3340% | 845 |
| Net interest margin | 2.8274% | 7,284 |
| Noninterest income to average assets | 0.1322% | 7,446 |
| Noninterest expense to average assets | 1.9546% | 7,529 |
| Loan and lease loss provision to assets | 0.3557% | 3,553 |
| Net operating income to assets | 0.3990% | 5,153 |
| Return on assets (ROA) | 0.3641% | 5,093 |
| Pretax return on assets | 0.4408% | 5,156 |
| Return on Equity (ROE) | 3.5616% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.5616% | 2,927 |
| Net charge-offs to loans | 0.0261% | 6,467 |
| Credit loss provision to net charge-offs | 1,677.7778% | 254 |
| Earnings coverage of net charge-offs (x) | 39.5556% | 943 |
| Efficiency ratio | 69.9795% | 4,356 |
| Assets per employee ($millions) | 4.5373% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 6,816 |
| Loan loss allowance to noncurrent loans | 459.6603% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 6,597 |
| Noncurrent loans to loans | 0.1890% | 6,826 |
| Net loans and leases to total assets | 81.2738% | 1,368 |
| Net loans and leases to deposits | 96.1197% | 2,429 |
| Net loans and leases to core deposits | 125.6292% | 2,192 |
| Total domestic deposits to total assets | 84.5548% | 3,044 |
| Equity capital to assets | 9.9909% | 4,048 |
| Core capital (leverage) ratio | 10.0129% | 3,431 |
| Tier 1 risk-based capital ratio | 15.0620% | 3,014 |
| Total risk-based capital ratio | 16.1329% | 3,026 |
| Memoranda: | ||
| Average total assets | $297,193,800 | 2,217 |
| Average earning assets | $279,690,600 | 2,175 |
| Average equity | $30,379,200 | 2,229 |
| Average total loans | $241,477,600 | 1,961 |