Home > Franklin Savings Bank > Performance and Condition Ratios
Franklin Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 2,059 |
| Cost of funding earning assets | 1.0856% | 3,104 |
| Net interest margin | 3.9217% | 1,333 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.0421% | 1,060 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7877% | 2,908 |
| Return on assets (ROA) | 0.7877% | 2,889 |
| Pretax return on assets | 1.0098% | 2,657 |
| Return on Equity (ROE) | 4.0900% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.0888% | 2,927 |
| Net charge-offs to loans | 0.0141% | 2,130 |
| Credit loss provision to net charge-offs | 308.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 90.2778% | 953 |
| Efficiency ratio | 74.2697% | 1,427 |
| Assets per employee ($millions) | 4.6457% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 3,928 |
| Loan loss allowance to noncurrent loans | 115.2039% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 941 |
| Noncurrent loans to loans | 0.7080% | 1,100 |
| Net loans and leases to total assets | 82.2700% | 407 |
| Net loans and leases to deposits | 111.9868% | 168 |
| Net loans and leases to core deposits | 120.4244% | 609 |
| Total domestic deposits to total assets | 73.4700% | 4,134 |
| Equity capital to assets | 18.3098% | 332 |
| Core capital (leverage) ratio | 20.5069% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7909% | 343 |
| Memoranda: | ||
| Average total assets | $616,745,800 | 1,445 |
| Average earning assets | $574,725,800 | 1,430 |
| Average equity | $118,813,200 | 831 |
| Average total loans | $511,787,400 | 1,206 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,954 |
| Cost of funding earning assets | 0.8920% | 3,291 |
| Net interest margin | 4.0562% | 1,137 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.9537% | 1,133 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9067% | 2,657 |
| Return on assets (ROA) | 0.9067% | 2,641 |
| Pretax return on assets | 1.1619% | 2,387 |
| Return on Equity (ROE) | 4.6400% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.6438% | 3,061 |
| Net charge-offs to loans | 0.0093% | 2,057 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 151.8857% | 720 |
| Efficiency ratio | 71.6344% | 1,608 |
| Assets per employee ($millions) | 4.4170% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 3,940 |
| Loan loss allowance to noncurrent loans | 130.6178% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 1,124 |
| Noncurrent loans to loans | 0.6292% | 1,295 |
| Net loans and leases to total assets | 81.8300% | 451 |
| Net loans and leases to deposits | 106.8400% | 277 |
| Net loans and leases to core deposits | 113.1403% | 764 |
| Total domestic deposits to total assets | 76.5900% | 3,964 |
| Equity capital to assets | 18.7114% | 320 |
| Core capital (leverage) ratio | 20.9171% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4664% | 334 |
| Memoranda: | ||
| Average total assets | $606,011,250 | 1,468 |
| Average earning assets | $563,831,500 | 1,450 |
| Average equity | $118,319,750 | 832 |
| Average total loans | $502,932,750 | 1,224 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,838 |
| Cost of funding earning assets | 0.7139% | 3,443 |
| Net interest margin | 4.1546% | 996 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.1044% | 906 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8359% | 2,972 |
| Return on assets (ROA) | 0.8359% | 2,984 |
| Pretax return on assets | 1.0721% | 2,715 |
| Return on Equity (ROE) | 4.2200% | 4,002 |
| Retained earnings to average equity (ytd only) | 4.2189% | 3,155 |
| Net charge-offs to loans | 0.0343% | 1,208 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 38.5882% | 1,422 |
| Efficiency ratio | 73.8249% | 1,363 |
| Assets per employee ($millions) | 4.3809% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 3,902 |
| Loan loss allowance to noncurrent loans | 117.3925% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 892 |
| Noncurrent loans to loans | 0.7249% | 1,032 |
| Net loans and leases to total assets | 82.5200% | 376 |
| Net loans and leases to deposits | 112.6636% | 164 |
| Net loans and leases to core deposits | 118.5410% | 553 |
| Total domestic deposits to total assets | 73.2400% | 4,238 |
| Equity capital to assets | 19.5901% | 292 |
| Core capital (leverage) ratio | 21.2988% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2365% | 308 |
| Memoranda: | ||
| Average total assets | $596,000,000 | 1,482 |
| Average earning assets | $554,127,000 | 1,486 |
| Average equity | $118,088,667 | 826 |
| Average total loans | $495,655,333 | 1,227 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 1,682 |
| Cost of funding earning assets | 0.5876% | 3,414 |
| Net interest margin | 4.1852% | 973 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.3763% | 623 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6615% | 3,548 |
| Return on assets (ROA) | 0.6615% | 3,502 |
| Pretax return on assets | 0.8522% | 3,339 |
| Return on Equity (ROE) | 3.3200% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.3195% | 3,431 |
| Net charge-offs to loans | 0.0114% | 1,520 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 90.7143% | 834 |
| Efficiency ratio | 79.6670% | 860 |
| Assets per employee ($millions) | 4.3182% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 3,940 |
| Loan loss allowance to noncurrent loans | 175.1117% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 1,258 |
| Noncurrent loans to loans | 0.4955% | 1,479 |
| Net loans and leases to total assets | 82.0900% | 368 |
| Net loans and leases to deposits | 111.3396% | 165 |
| Net loans and leases to core deposits | 115.8113% | 544 |
| Total domestic deposits to total assets | 73.7300% | 4,295 |
| Equity capital to assets | 19.7235% | 242 |
| Core capital (leverage) ratio | 21.4923% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6259% | 293 |
| Memoranda: | ||
| Average total assets | $589,525,000 | 1,523 |
| Average earning assets | $548,696,000 | 1,523 |
| Average equity | $117,486,000 | 838 |
| Average total loans | $490,080,000 | 1,250 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 833 |
| Cost of funding earning assets | 0.2064% | 3,704 |
| Net interest margin | 4.2237% | 503 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 3.1737% | 753 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8358% | 3,204 |
| Return on assets (ROA) | 0.8358% | 3,128 |
| Pretax return on assets | 1.0690% | 2,864 |
| Return on Equity (ROE) | 4.1400% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.1421% | 3,347 |
| Net charge-offs to loans | 0.0246% | 1,568 |
| Credit loss provision to net charge-offs | 472.0721% | 705 |
| Earnings coverage of net charge-offs (x) | 59.6847% | 1,261 |
| Efficiency ratio | 73.2193% | 1,296 |
| Assets per employee ($millions) | 4.2875% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 3,801 |
| Loan loss allowance to noncurrent loans | 241.3542% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 1,622 |
| Noncurrent loans to loans | 0.3699% | 1,818 |
| Net loans and leases to total assets | 82.7200% | 352 |
| Net loans and leases to deposits | 107.3967% | 209 |
| Net loans and leases to core deposits | 111.1028% | 574 |
| Total domestic deposits to total assets | 77.0300% | 4,169 |
| Equity capital to assets | 20.1419% | 224 |
| Core capital (leverage) ratio | 21.7716% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2794% | 275 |
| Memoranda: | ||
| Average total assets | $570,730,800 | 1,560 |
| Average earning assets | $534,011,200 | 1,540 |
| Average equity | $115,158,000 | 844 |
| Average total loans | $452,079,200 | 1,268 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 782 |
| Cost of funding earning assets | 0.1739% | 3,579 |
| Net interest margin | 4.0951% | 526 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.0461% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9331% | 2,748 |
| Return on assets (ROA) | 0.9331% | 2,713 |
| Pretax return on assets | 1.1933% | 2,395 |
| Return on Equity (ROE) | 4.6200% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.6224% | 3,233 |
| Net charge-offs to loans | -0.0045% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9117% | 1,526 |
| Assets per employee ($millions) | 4.3559% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,027 |
| Loan loss allowance to noncurrent loans | 246.8354% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 1,855 |
| Noncurrent loans to loans | 0.3349% | 2,029 |
| Net loans and leases to total assets | 80.7700% | 465 |
| Net loans and leases to deposits | 102.4192% | 286 |
| Net loans and leases to core deposits | 105.0098% | 614 |
| Total domestic deposits to total assets | 78.8600% | 4,190 |
| Equity capital to assets | 19.9086% | 220 |
| Core capital (leverage) ratio | 21.5091% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3528% | 285 |
| Memoranda: | ||
| Average total assets | $568,709,250 | 1,572 |
| Average earning assets | $532,984,250 | 1,560 |
| Average equity | $114,801,250 | 864 |
| Average total loans | $444,315,000 | 1,275 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 721 |
| Cost of funding earning assets | 0.1674% | 3,351 |
| Net interest margin | 3.9683% | 529 |
| Noninterest income to average assets | 0.3981% | 2,773 |
| Noninterest expense to average assets | 3.0299% | 813 |
| Loan and lease loss provision to assets | -0.0064% | 4,385 |
| Net operating income to assets | 0.8596% | 2,736 |
| Return on assets (ROA) | 0.8596% | 2,712 |
| Pretax return on assets | 1.1002% | 2,411 |
| Return on Equity (ROE) | 4.2383% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.2383% | 3,000 |
| Net charge-offs to loans | -0.0083% | 3,523 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4746% | 1,573 |
| Assets per employee ($millions) | 4.2229% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,050 |
| Loan loss allowance to noncurrent loans | 231.4540% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 1,814 |
| Noncurrent loans to loans | 0.3737% | 2,023 |
| Net loans and leases to total assets | 78.9954% | 481 |
| Net loans and leases to deposits | 101.1408% | 239 |
| Net loans and leases to core deposits | 103.8375% | 521 |
| Total domestic deposits to total assets | 78.1043% | 4,348 |
| Equity capital to assets | 20.6215% | 156 |
| Core capital (leverage) ratio | 21.7533% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3005% | 237 |
| Memoranda: | ||
| Average total assets | $565,168,333 | 1,588 |
| Average earning assets | $530,609,000 | 1,582 |
| Average equity | $114,622,667 | 872 |
| Average total loans | $435,151,333 | 1,288 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 716 |
| Cost of funding earning assets | 0.1643% | 3,304 |
| Net interest margin | 3.8743% | 532 |
| Noninterest income to average assets | 0.3456% | 3,028 |
| Noninterest expense to average assets | 3.0920% | 696 |
| Loan and lease loss provision to assets | 0.0014% | 2,269 |
| Net operating income to assets | 0.7075% | 3,032 |
| Return on assets (ROA) | 0.7075% | 3,018 |
| Pretax return on assets | 0.9086% | 2,743 |
| Return on Equity (ROE) | 3.5180% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.5180% | 3,114 |
| Net charge-offs to loans | 0.0019% | 1,763 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 642.5000% | 154 |
| Efficiency ratio | 77.2607% | 1,377 |
| Assets per employee ($millions) | 4.2751% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,008 |
| Loan loss allowance to noncurrent loans | 218.2429% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 1,863 |
| Noncurrent loans to loans | 0.4177% | 1,993 |
| Net loans and leases to total assets | 74.5540% | 612 |
| Net loans and leases to deposits | 94.2089% | 352 |
| Net loans and leases to core deposits | 96.9744% | 613 |
| Total domestic deposits to total assets | 79.1370% | 4,342 |
| Equity capital to assets | 19.7958% | 168 |
| Core capital (leverage) ratio | 21.3860% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7038% | 197 |
| Memoranda: | ||
| Average total assets | $564,817,500 | 1,591 |
| Average earning assets | $533,051,500 | 1,579 |
| Average equity | $113,588,500 | 899 |
| Average total loans | $427,271,500 | 1,301 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 664 |
| Cost of funding earning assets | 0.2067% | 3,398 |
| Net interest margin | 4.2335% | 462 |
| Noninterest income to average assets | 0.7306% | 1,664 |
| Noninterest expense to average assets | 3.6319% | 411 |
| Loan and lease loss provision to assets | -0.0104% | 4,170 |
| Net operating income to assets | 0.8599% | 3,158 |
| Return on assets (ROA) | 0.8599% | 3,225 |
| Pretax return on assets | 1.1003% | 2,969 |
| Return on Equity (ROE) | 4.0701% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.0701% | 3,194 |
| Net charge-offs to loans | -0.0130% | 3,824 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9184% | 1,034 |
| Assets per employee ($millions) | 4.3832% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,024 |
| Loan loss allowance to noncurrent loans | 207.5572% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 1,895 |
| Noncurrent loans to loans | 0.4403% | 2,037 |
| Net loans and leases to total assets | 75.3658% | 557 |
| Net loans and leases to deposits | 96.3301% | 301 |
| Net loans and leases to core deposits | 99.3492% | 565 |
| Total domestic deposits to total assets | 78.2371% | 4,373 |
| Equity capital to assets | 20.4297% | 165 |
| Core capital (leverage) ratio | 21.4878% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6413% | 207 |
| Memoranda: | ||
| Average total assets | $527,403,200 | 1,630 |
| Average earning assets | $497,227,000 | 1,613 |
| Average equity | $111,423,000 | 931 |
| Average total loans | $421,583,200 | 1,323 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 678 |
| Cost of funding earning assets | 0.2131% | 3,485 |
| Net interest margin | 4.2871% | 465 |
| Noninterest income to average assets | 0.8529% | 1,374 |
| Noninterest expense to average assets | 3.5465% | 437 |
| Loan and lease loss provision to assets | -0.0141% | 4,333 |
| Net operating income to assets | 1.0638% | 2,673 |
| Return on assets (ROA) | 1.0638% | 2,739 |
| Pretax return on assets | 1.3613% | 2,461 |
| Return on Equity (ROE) | 4.9910% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.9910% | 3,222 |
| Net charge-offs to loans | -0.0174% | 3,917 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4710% | 1,364 |
| Assets per employee ($millions) | 4.2861% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,075 |
| Loan loss allowance to noncurrent loans | 152.2843% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 1,627 |
| Noncurrent loans to loans | 0.6095% | 1,782 |
| Net loans and leases to total assets | 75.8775% | 557 |
| Net loans and leases to deposits | 97.0587% | 307 |
| Net loans and leases to core deposits | 100.0861% | 581 |
| Total domestic deposits to total assets | 78.1769% | 4,408 |
| Equity capital to assets | 20.5486% | 174 |
| Core capital (leverage) ratio | 21.9381% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5203% | 203 |
| Memoranda: | ||
| Average total assets | $518,992,500 | 1,665 |
| Average earning assets | $489,175,750 | 1,652 |
| Average equity | $110,623,750 | 950 |
| Average total loans | $420,294,750 | 1,346 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 753 |
| Cost of funding earning assets | 0.2218% | 3,544 |
| Net interest margin | 4.2544% | 531 |
| Noninterest income to average assets | 0.7491% | 1,674 |
| Noninterest expense to average assets | 3.5976% | 412 |
| Loan and lease loss provision to assets | -0.0204% | 4,431 |
| Net operating income to assets | 0.9224% | 3,153 |
| Return on assets (ROA) | 0.9224% | 3,232 |
| Pretax return on assets | 1.1813% | 2,962 |
| Return on Equity (ROE) | 4.2722% | 4,285 |
| Retained earnings to average equity (ytd only) | 4.2722% | 3,435 |
| Net charge-offs to loans | -0.0247% | 4,074 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6047% | 1,122 |
| Assets per employee ($millions) | 4.1561% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 4,062 |
| Loan loss allowance to noncurrent loans | 147.2810% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,662 |
| Noncurrent loans to loans | 0.6326% | 1,829 |
| Net loans and leases to total assets | 78.5707% | 402 |
| Net loans and leases to deposits | 101.1989% | 226 |
| Net loans and leases to core deposits | 104.5723% | 517 |
| Total domestic deposits to total assets | 77.6399% | 4,461 |
| Equity capital to assets | 21.0538% | 154 |
| Core capital (leverage) ratio | 22.4633% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7984% | 202 |
| Memoranda: | ||
| Average total assets | $509,115,000 | 1,678 |
| Average earning assets | $479,782,333 | 1,667 |
| Average equity | $109,920,000 | 947 |
| Average total loans | $420,332,000 | 1,350 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 719 |
| Cost of funding earning assets | 0.2219% | 3,710 |
| Net interest margin | 4.3338% | 484 |
| Noninterest income to average assets | 0.7388% | 1,749 |
| Noninterest expense to average assets | 3.7218% | 359 |
| Loan and lease loss provision to assets | -0.0168% | 4,601 |
| Net operating income to assets | 0.8676% | 3,215 |
| Return on assets (ROA) | 0.8676% | 3,299 |
| Pretax return on assets | 1.1133% | 3,080 |
| Return on Equity (ROE) | 3.9665% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.9665% | 3,514 |
| Net charge-offs to loans | -0.0209% | 4,016 |
| Credit loss provision to net charge-offs | 95.4545% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2425% | 1,024 |
| Assets per employee ($millions) | 4.1816% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,078 |
| Loan loss allowance to noncurrent loans | 124.5608% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 1,551 |
| Noncurrent loans to loans | 0.7452% | 1,745 |
| Net loans and leases to total assets | 81.5978% | 244 |
| Net loans and leases to deposits | 105.6308% | 178 |
| Net loans and leases to core deposits | 109.5769% | 420 |
| Total domestic deposits to total assets | 77.2481% | 4,498 |
| Equity capital to assets | 21.5213% | 135 |
| Core capital (leverage) ratio | 23.2570% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1351% | 203 |
| Memoranda: | ||
| Average total assets | $499,760,500 | 1,698 |
| Average earning assets | $470,438,500 | 1,678 |
| Average equity | $109,316,500 | 937 |
| Average total loans | $421,190,500 | 1,358 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 540 |
| Cost of funding earning assets | 0.4337% | 3,385 |
| Net interest margin | 4.5154% | 320 |
| Noninterest income to average assets | 0.7284% | 1,752 |
| Noninterest expense to average assets | 3.7194% | 514 |
| Loan and lease loss provision to assets | 0.1694% | 2,267 |
| Net operating income to assets | 0.8381% | 2,947 |
| Return on assets (ROA) | 0.8398% | 3,072 |
| Pretax return on assets | 1.0760% | 2,789 |
| Return on Equity (ROE) | 3.7156% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.7156% | 2,972 |
| Net charge-offs to loans | 0.0712% | 1,775 |
| Credit loss provision to net charge-offs | 266.6667% | 1,861 |
| Earnings coverage of net charge-offs (x) | 19.5767% | 1,974 |
| Efficiency ratio | 74.9477% | 1,340 |
| Assets per employee ($millions) | 3.9465% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,116 |
| Loan loss allowance to noncurrent loans | 111.0795% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 1,450 |
| Noncurrent loans to loans | 0.8316% | 1,684 |
| Net loans and leases to total assets | 85.4791% | 114 |
| Net loans and leases to deposits | 112.0404% | 141 |
| Net loans and leases to core deposits | 116.6583% | 359 |
| Total domestic deposits to total assets | 76.2932% | 4,491 |
| Equity capital to assets | 22.2413% | 129 |
| Core capital (leverage) ratio | 23.7463% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0692% | 216 |
| Memoranda: | ||
| Average total assets | $472,385,800 | 1,633 |
| Average earning assets | $442,974,000 | 1,613 |
| Average equity | $106,766,600 | 914 |
| Average total loans | $421,436,400 | 1,294 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 699 |
| Cost of funding earning assets | 0.4675% | 3,434 |
| Net interest margin | 4.4562% | 425 |
| Noninterest income to average assets | 0.7149% | 1,748 |
| Noninterest expense to average assets | 3.6931% | 536 |
| Loan and lease loss provision to assets | 0.1190% | 2,834 |
| Net operating income to assets | 0.8428% | 2,938 |
| Return on assets (ROA) | 0.8450% | 3,052 |
| Pretax return on assets | 1.0837% | 2,798 |
| Return on Equity (ROE) | 3.7233% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.7233% | 3,187 |
| Net charge-offs to loans | 0.0136% | 2,629 |
| Credit loss provision to net charge-offs | 972.0930% | 845 |
| Earnings coverage of net charge-offs (x) | 97.9767% | 804 |
| Efficiency ratio | 75.4773% | 1,254 |
| Assets per employee ($millions) | 3.8488% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,140 |
| Loan loss allowance to noncurrent loans | 90.0310% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 1,327 |
| Noncurrent loans to loans | 0.9736% | 1,533 |
| Net loans and leases to total assets | 88.7295% | 67 |
| Net loans and leases to deposits | 117.7333% | 131 |
| Net loans and leases to core deposits | 122.7933% | 359 |
| Total domestic deposits to total assets | 75.3648% | 4,478 |
| Equity capital to assets | 22.4235% | 138 |
| Core capital (leverage) ratio | 23.7641% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4225% | 250 |
| Memoranda: | ||
| Average total assets | $468,141,000 | 1,628 |
| Average earning assets | $438,923,750 | 1,607 |
| Average equity | $106,248,000 | 914 |
| Average total loans | $421,244,250 | 1,290 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 883 |
| Cost of funding earning assets | 0.5084% | 3,484 |
| Net interest margin | 4.4575% | 553 |
| Noninterest income to average assets | 0.7132% | 1,693 |
| Noninterest expense to average assets | 3.6540% | 609 |
| Loan and lease loss provision to assets | 0.1328% | 2,686 |
| Net operating income to assets | 0.8599% | 2,839 |
| Return on assets (ROA) | 0.8633% | 2,951 |
| Pretax return on assets | 1.1086% | 2,690 |
| Return on Equity (ROE) | 3.7879% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,015 |
| Net charge-offs to loans | 0.0158% | 2,425 |
| Credit loss provision to net charge-offs | 933.3333% | 825 |
| Earnings coverage of net charge-offs (x) | 86.9394% | 765 |
| Efficiency ratio | 74.7069% | 1,398 |
| Assets per employee ($millions) | 3.8361% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 4,164 |
| Loan loss allowance to noncurrent loans | 90.0735% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 1,402 |
| Noncurrent loans to loans | 0.9512% | 1,625 |
| Net loans and leases to total assets | 90.1304% | 27 |
| Net loans and leases to deposits | 118.5688% | 107 |
| Net loans and leases to core deposits | 128.0338% | 285 |
| Total domestic deposits to total assets | 76.0152% | 4,428 |
| Equity capital to assets | 22.6763% | 133 |
| Core capital (leverage) ratio | 24.1318% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7787% | 266 |
| Memoranda: | ||
| Average total assets | $463,822,333 | 1,614 |
| Average earning assets | $434,731,667 | 1,595 |
| Average equity | $105,704,333 | 909 |
| Average total loans | $418,109,000 | 1,280 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 924 |
| Cost of funding earning assets | 0.5964% | 3,454 |
| Net interest margin | 4.4252% | 590 |
| Noninterest income to average assets | 0.6846% | 1,708 |
| Noninterest expense to average assets | 3.6606% | 734 |
| Loan and lease loss provision to assets | 0.1427% | 1,961 |
| Net operating income to assets | 0.8004% | 2,907 |
| Return on assets (ROA) | 0.8073% | 2,968 |
| Pretax return on assets | 1.0404% | 2,699 |
| Return on Equity (ROE) | 3.5333% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.5333% | 2,879 |
| Net charge-offs to loans | 0.0378% | 1,663 |
| Credit loss provision to net charge-offs | 420.5128% | 969 |
| Earnings coverage of net charge-offs (x) | 34.6154% | 1,100 |
| Efficiency ratio | 75.7107% | 1,597 |
| Assets per employee ($millions) | 3.9531% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8511% | 4,274 |
| Loan loss allowance to noncurrent loans | 81.3900% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 1,371 |
| Noncurrent loans to loans | 1.0457% | 1,592 |
| Net loans and leases to total assets | 88.7836% | 58 |
| Net loans and leases to deposits | 125.8480% | 55 |
| Net loans and leases to core deposits | 138.0879% | 186 |
| Total domestic deposits to total assets | 70.5482% | 4,837 |
| Equity capital to assets | 22.8988% | 153 |
| Core capital (leverage) ratio | 24.4549% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4360% | 257 |
| Memoranda: | ||
| Average total assets | $459,813,000 | 1,569 |
| Average earning assets | $431,258,500 | 1,547 |
| Average equity | $105,058,500 | 912 |
| Average total loans | $412,690,000 | 1,265 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 1,049 |
| Cost of funding earning assets | 0.5926% | 3,671 |
| Net interest margin | 4.5842% | 595 |
| Noninterest income to average assets | 0.7627% | 1,574 |
| Noninterest expense to average assets | 3.8261% | 646 |
| Loan and lease loss provision to assets | 0.0515% | 2,994 |
| Net operating income to assets | 0.9186% | 3,130 |
| Return on assets (ROA) | 0.9186% | 3,208 |
| Pretax return on assets | 1.1789% | 2,916 |
| Return on Equity (ROE) | 3.8822% | 4,488 |
| Retained earnings to average equity (ytd only) | 3.8822% | 3,027 |
| Net charge-offs to loans | 0.0564% | 2,297 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 23.8879% | 1,798 |
| Efficiency ratio | 75.6669% | 1,402 |
| Assets per employee ($millions) | 3.8093% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 4,228 |
| Loan loss allowance to noncurrent loans | 72.3097% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 1,170 |
| Noncurrent loans to loans | 1.1434% | 1,318 |
| Net loans and leases to total assets | 89.2163% | 60 |
| Net loans and leases to deposits | 127.1943% | 51 |
| Net loans and leases to core deposits | 139.8009% | 179 |
| Total domestic deposits to total assets | 70.1418% | 4,930 |
| Equity capital to assets | 22.7968% | 162 |
| Core capital (leverage) ratio | 24.8661% | 125 |
| Tier 1 risk-based capital ratio | 30.2831% | 464 |
| Total risk-based capital ratio | 31.2471% | 466 |
| Memoranda: | ||
| Average total assets | $432,946,400 | 1,617 |
| Average earning assets | $405,519,200 | 1,603 |
| Average equity | $102,441,000 | 882 |
| Average total loans | $395,144,800 | 1,279 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 1,060 |
| Cost of funding earning assets | 0.5889% | 3,746 |
| Net interest margin | 4.6030% | 617 |
| Noninterest income to average assets | 0.7524% | 1,585 |
| Noninterest expense to average assets | 3.7328% | 718 |
| Loan and lease loss provision to assets | 0.0294% | 3,315 |
| Net operating income to assets | 1.0125% | 2,936 |
| Return on assets (ROA) | 1.0125% | 3,017 |
| Pretax return on assets | 1.2989% | 2,675 |
| Return on Equity (ROE) | 4.2378% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.2378% | 3,278 |
| Net charge-offs to loans | 0.0320% | 2,435 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 45.2447% | 1,263 |
| Efficiency ratio | 73.7550% | 1,608 |
| Assets per employee ($millions) | 3.6390% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,241 |
| Loan loss allowance to noncurrent loans | 69.9301% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,172 |
| Noncurrent loans to loans | 1.2125% | 1,297 |
| Net loans and leases to total assets | 89.5551% | 50 |
| Net loans and leases to deposits | 130.9126% | 40 |
| Net loans and leases to core deposits | 141.6880% | 168 |
| Total domestic deposits to total assets | 68.4083% | 5,053 |
| Equity capital to assets | 23.3024% | 152 |
| Core capital (leverage) ratio | 25.4120% | 114 |
| Tier 1 risk-based capital ratio | 31.3444% | 443 |
| Total risk-based capital ratio | 32.3490% | 443 |
| Memoranda: | ||
| Average total assets | $426,903,750 | 1,647 |
| Average earning assets | $399,615,500 | 1,630 |
| Average equity | $101,999,250 | 885 |
| Average total loans | $391,125,250 | 1,302 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 887 |
| Cost of funding earning assets | 0.5780% | 3,759 |
| Net interest margin | 4.6776% | 516 |
| Noninterest income to average assets | 0.6890% | 1,759 |
| Noninterest expense to average assets | 3.8014% | 662 |
| Loan and lease loss provision to assets | 0.0470% | 2,875 |
| Net operating income to assets | 0.9454% | 3,110 |
| Return on assets (ROA) | 0.9454% | 3,177 |
| Pretax return on assets | 1.2136% | 2,859 |
| Return on Equity (ROE) | 3.9226% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.9226% | 3,286 |
| Net charge-offs to loans | 0.0505% | 1,923 |
| Credit loss provision to net charge-offs | 101.0204% | 1,948 |
| Earnings coverage of net charge-offs (x) | 27.0918% | 1,553 |
| Efficiency ratio | 75.0961% | 1,503 |
| Assets per employee ($millions) | 3.5491% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,219 |
| Loan loss allowance to noncurrent loans | 76.9753% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 1,295 |
| Noncurrent loans to loans | 1.1235% | 1,452 |
| Net loans and leases to total assets | 91.5157% | 26 |
| Net loans and leases to deposits | 133.2435% | 35 |
| Net loans and leases to core deposits | 144.1980% | 165 |
| Total domestic deposits to total assets | 68.6831% | 5,085 |
| Equity capital to assets | 23.9919% | 138 |
| Core capital (leverage) ratio | 25.6587% | 109 |
| Tier 1 risk-based capital ratio | 32.4277% | 408 |
| Total risk-based capital ratio | 33.4786% | 407 |
| Memoranda: | ||
| Average total assets | $421,218,670 | 1,673 |
| Average earning assets | $393,788,670 | 1,660 |
| Average equity | $101,514,670 | 885 |
| Average total loans | $387,837,670 | 1,311 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 861 |
| Cost of funding earning assets | 0.5554% | 3,798 |
| Net interest margin | 4.6722% | 525 |
| Noninterest income to average assets | 0.6541% | 1,804 |
| Noninterest expense to average assets | 3.7758% | 673 |
| Loan and lease loss provision to assets | 0.0525% | 2,611 |
| Net operating income to assets | 0.9244% | 3,143 |
| Return on assets (ROA) | 0.9244% | 3,179 |
| Pretax return on assets | 1.1879% | 2,851 |
| Return on Equity (ROE) | 3.8268% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.8268% | 3,389 |
| Net charge-offs to loans | 0.0571% | 1,473 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 23.6182% | 1,466 |
| Efficiency ratio | 75.2713% | 1,576 |
| Assets per employee ($millions) | 3.6098% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,244 |
| Loan loss allowance to noncurrent loans | 75.6564% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 1,290 |
| Noncurrent loans to loans | 1.1639% | 1,430 |
| Net loans and leases to total assets | 91.4006% | 25 |
| Net loans and leases to deposits | 135.2933% | 29 |
| Net loans and leases to core deposits | 145.9955% | 141 |
| Total domestic deposits to total assets | 67.5574% | 5,183 |
| Equity capital to assets | 24.1370% | 126 |
| Core capital (leverage) ratio | 25.5514% | 107 |
| Tier 1 risk-based capital ratio | 33.1429% | 381 |
| Total risk-based capital ratio | 34.2272% | 377 |
| Memoranda: | ||
| Average total assets | $418,881,000 | 1,693 |
| Average earning assets | $391,077,500 | 1,675 |
| Average equity | $101,182,000 | 879 |
| Average total loans | $385,176,500 | 1,326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 722 |
| Cost of funding earning assets | 0.4211% | 3,852 |
| Net interest margin | 4.7608% | 433 |
| Noninterest income to average assets | 0.7388% | 1,693 |
| Noninterest expense to average assets | 3.8105% | 672 |
| Loan and lease loss provision to assets | 0.0554% | 3,058 |
| Net operating income to assets | 1.0174% | 2,939 |
| Return on assets (ROA) | 1.0172% | 2,922 |
| Pretax return on assets | 1.3064% | 2,474 |
| Return on Equity (ROE) | 4.1506% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.1506% | 3,275 |
| Net charge-offs to loans | 0.0605% | 2,269 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 24.5733% | 1,803 |
| Efficiency ratio | 73.6677% | 1,669 |
| Assets per employee ($millions) | 3.7082% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,228 |
| Loan loss allowance to noncurrent loans | 88.8657% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 1,482 |
| Noncurrent loans to loans | 0.9958% | 1,630 |
| Net loans and leases to total assets | 90.8836% | 45 |
| Net loans and leases to deposits | 144.6379% | 18 |
| Net loans and leases to core deposits | 150.2669% | 133 |
| Total domestic deposits to total assets | 62.8352% | 5,294 |
| Equity capital to assets | 24.1736% | 122 |
| Core capital (leverage) ratio | 25.4892% | 106 |
| Tier 1 risk-based capital ratio | 32.2484% | 393 |
| Total risk-based capital ratio | 33.3222% | 391 |
| Memoranda: | ||
| Average total assets | $405,932,600 | 1,689 |
| Average earning assets | $378,048,600 | 1,687 |
| Average equity | $99,480,000 | 858 |
| Average total loans | $372,044,200 | 1,330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 701 |
| Cost of funding earning assets | 0.3882% | 3,951 |
| Net interest margin | 4.7522% | 417 |
| Noninterest income to average assets | 0.7305% | 1,750 |
| Noninterest expense to average assets | 3.5175% | 965 |
| Loan and lease loss provision to assets | 0.0232% | 3,556 |
| Net operating income to assets | 1.2606% | 1,995 |
| Return on assets (ROA) | 1.2606% | 2,002 |
| Pretax return on assets | 1.6165% | 1,526 |
| Return on Equity (ROE) | 5.1258% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.1258% | 3,171 |
| Net charge-offs to loans | 0.0253% | 2,615 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 70.7436% | 948 |
| Efficiency ratio | 68.2055% | 2,503 |
| Assets per employee ($millions) | 3.6253% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,269 |
| Loan loss allowance to noncurrent loans | 85.2985% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 1,511 |
| Noncurrent loans to loans | 1.0532% | 1,617 |
| Net loans and leases to total assets | 90.7499% | 53 |
| Net loans and leases to deposits | 141.3494% | 21 |
| Net loans and leases to core deposits | 146.0887% | 163 |
| Total domestic deposits to total assets | 64.2026% | 5,349 |
| Equity capital to assets | 24.4077% | 121 |
| Core capital (leverage) ratio | 25.7697% | 99 |
| Tier 1 risk-based capital ratio | 32.5861% | 379 |
| Total risk-based capital ratio | 33.6744% | 379 |
| Memoranda: | ||
| Average total assets | $402,660,000 | 1,708 |
| Average earning assets | $375,084,000 | 1,704 |
| Average equity | $99,026,750 | 852 |
| Average total loans | $368,999,500 | 1,341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 654 |
| Cost of funding earning assets | 0.3620% | 3,997 |
| Net interest margin | 4.7426% | 398 |
| Noninterest income to average assets | 0.7226% | 1,778 |
| Noninterest expense to average assets | 3.4691% | 1,039 |
| Loan and lease loss provision to assets | -0.0005% | 5,280 |
| Net operating income to assets | 1.3034% | 1,759 |
| Return on assets (ROA) | 1.3034% | 1,754 |
| Pretax return on assets | 1.6717% | 1,293 |
| Return on Equity (ROE) | 5.2860% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.2860% | 2,939 |
| Net charge-offs to loans | -0.0005% | 3,865 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4888% | 2,729 |
| Assets per employee ($millions) | 3.6332% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,285 |
| Loan loss allowance to noncurrent loans | 80.1698% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,319 |
| Noncurrent loans to loans | 1.1375% | 1,541 |
| Net loans and leases to total assets | 90.7854% | 54 |
| Net loans and leases to deposits | 140.1331% | 17 |
| Net loans and leases to core deposits | 144.9752% | 156 |
| Total domestic deposits to total assets | 64.7851% | 5,401 |
| Equity capital to assets | 24.4960% | 116 |
| Core capital (leverage) ratio | 25.9510% | 97 |
| Tier 1 risk-based capital ratio | 32.6578% | 388 |
| Total risk-based capital ratio | 33.7610% | 386 |
| Memoranda: | ||
| Average total assets | $399,118,670 | 1,732 |
| Average earning assets | $371,783,000 | 1,722 |
| Average equity | $98,411,330 | 856 |
| Average total loans | $365,847,670 | 1,349 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 622 |
| Cost of funding earning assets | 0.3467% | 4,018 |
| Net interest margin | 4.7063% | 402 |
| Noninterest income to average assets | 0.6832% | 1,898 |
| Noninterest expense to average assets | 3.4836% | 1,031 |
| Loan and lease loss provision to assets | -0.0506% | 5,465 |
| Net operating income to assets | 1.2722% | 1,736 |
| Return on assets (ROA) | 1.2722% | 1,742 |
| Pretax return on assets | 1.6325% | 1,290 |
| Return on Equity (ROE) | 5.1423% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.1423% | 3,105 |
| Net charge-offs to loans | -0.0552% | 5,012 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7712% | 2,707 |
| Assets per employee ($millions) | 3.6394% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,292 |
| Loan loss allowance to noncurrent loans | 73.8328% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 1,223 |
| Noncurrent loans to loans | 1.2622% | 1,428 |
| Net loans and leases to total assets | 91.1122% | 39 |
| Net loans and leases to deposits | 136.5670% | 24 |
| Net loans and leases to core deposits | 141.2519% | 200 |
| Total domestic deposits to total assets | 66.7162% | 5,450 |
| Equity capital to assets | 24.7979% | 105 |
| Core capital (leverage) ratio | 26.0270% | 98 |
| Tier 1 risk-based capital ratio | 33.1161% | 370 |
| Total risk-based capital ratio | 34.2493% | 367 |
| Memoranda: | ||
| Average total assets | $395,218,500 | 1,761 |
| Average earning assets | $368,017,000 | 1,753 |
| Average equity | $97,777,500 | 864 |
| Average total loans | $362,360,000 | 1,362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 517 |
| Cost of funding earning assets | 0.2637% | 4,453 |
| Net interest margin | 4.8534% | 304 |
| Noninterest income to average assets | 0.7515% | 1,767 |
| Noninterest expense to average assets | 3.7204% | 774 |
| Loan and lease loss provision to assets | 0.2000% | 1,037 |
| Net operating income to assets | 0.9233% | 2,579 |
| Return on assets (ROA) | 0.9233% | 2,609 |
| Pretax return on assets | 1.3367% | 2,225 |
| Return on Equity (ROE) | 3.6727% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.6727% | 3,041 |
| Net charge-offs to loans | 0.1613% | 1,512 |
| Credit loss provision to net charge-offs | 135.7782% | 1,947 |
| Earnings coverage of net charge-offs (x) | 10.4329% | 2,677 |
| Efficiency ratio | 70.7684% | 2,432 |
| Assets per employee ($millions) | 3.8228% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,246 |
| Loan loss allowance to noncurrent loans | 67.3267% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3473% | 1,066 |
| Noncurrent loans to loans | 1.4032% | 1,223 |
| Net loans and leases to total assets | 90.5370% | 58 |
| Net loans and leases to deposits | 137.5725% | 26 |
| Net loans and leases to core deposits | 142.2394% | 188 |
| Total domestic deposits to total assets | 65.8104% | 5,523 |
| Equity capital to assets | 24.6819% | 103 |
| Core capital (leverage) ratio | 25.9169% | 91 |
| Tier 1 risk-based capital ratio | 33.0453% | 373 |
| Total risk-based capital ratio | 34.1898% | 365 |
| Memoranda: | ||
| Average total assets | $379,504,600 | 1,790 |
| Average earning assets | $352,313,200 | 1,786 |
| Average equity | $95,406,400 | 859 |
| Average total loans | $346,523,000 | 1,387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 497 |
| Cost of funding earning assets | 0.2499% | 4,569 |
| Net interest margin | 4.8565% | 294 |
| Noninterest income to average assets | 0.7590% | 1,736 |
| Noninterest expense to average assets | 3.6646% | 798 |
| Loan and lease loss provision to assets | 0.0936% | 2,211 |
| Net operating income to assets | 0.9835% | 2,624 |
| Return on assets (ROA) | 0.9835% | 2,686 |
| Pretax return on assets | 1.5087% | 1,744 |
| Return on Equity (ROE) | 3.8934% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.8934% | 3,603 |
| Net charge-offs to loans | 0.1026% | 1,761 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 17.1137% | 2,120 |
| Efficiency ratio | 69.5778% | 2,605 |
| Assets per employee ($millions) | 3.5144% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,589 |
| Loan loss allowance to noncurrent loans | 66.7640% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2697% | 1,276 |
| Noncurrent loans to loans | 1.3421% | 1,412 |
| Net loans and leases to total assets | 90.7293% | 58 |
| Net loans and leases to deposits | 133.5508% | 32 |
| Net loans and leases to core deposits | 138.0412% | 228 |
| Total domestic deposits to total assets | 67.9362% | 5,540 |
| Equity capital to assets | 24.7372% | 109 |
| Core capital (leverage) ratio | 26.0700% | 87 |
| Tier 1 risk-based capital ratio | 33.3240% | 370 |
| Total risk-based capital ratio | 34.4212% | 366 |
| Memoranda: | ||
| Average total assets | $375,944,250 | 1,815 |
| Average earning assets | $348,970,250 | 1,817 |
| Average equity | $94,962,000 | 865 |
| Average total loans | $343,182,250 | 1,405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 481 |
| Cost of funding earning assets | 0.2352% | 4,682 |
| Net interest margin | 4.8558% | 285 |
| Noninterest income to average assets | 0.7521% | 1,765 |
| Noninterest expense to average assets | 3.6587% | 810 |
| Loan and lease loss provision to assets | 0.0830% | 2,328 |
| Net operating income to assets | 0.9870% | 2,490 |
| Return on assets (ROA) | 0.9870% | 2,538 |
| Pretax return on assets | 1.5144% | 1,588 |
| Return on Equity (ROE) | 3.8793% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.8793% | 3,388 |
| Net charge-offs to loans | 0.0910% | 1,702 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 19.2532% | 1,846 |
| Efficiency ratio | 69.6084% | 2,749 |
| Assets per employee ($millions) | 3.4693% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,558 |
| Loan loss allowance to noncurrent loans | 70.6714% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 1,400 |
| Noncurrent loans to loans | 1.3016% | 1,478 |
| Net loans and leases to total assets | 90.3209% | 72 |
| Net loans and leases to deposits | 133.8966% | 35 |
| Net loans and leases to core deposits | 138.3025% | 202 |
| Total domestic deposits to total assets | 67.4557% | 5,608 |
| Equity capital to assets | 25.0362% | 98 |
| Core capital (leverage) ratio | 27.0898% | 75 |
| Tier 1 risk-based capital ratio | 33.7185% | 341 |
| Total risk-based capital ratio | 34.8390% | 340 |
| Memoranda: | ||
| Average total assets | $371,225,670 | 1,844 |
| Average earning assets | $344,332,000 | 1,839 |
| Average equity | $94,449,330 | 870 |
| Average total loans | $338,531,330 | 1,422 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9736% | 548 |
| Cost of funding earning assets | 0.2308% | 4,710 |
| Net interest margin | 4.7427% | 349 |
| Noninterest income to average assets | 0.7311% | 1,822 |
| Noninterest expense to average assets | 3.7549% | 717 |
| Loan and lease loss provision to assets | 0.0328% | 3,131 |
| Net operating income to assets | 0.8819% | 2,850 |
| Return on assets (ROA) | 0.8819% | 2,901 |
| Pretax return on assets | 1.3442% | 2,081 |
| Return on Equity (ROE) | 3.4376% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.4376% | 3,720 |
| Net charge-offs to loans | 0.0359% | 2,069 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,001 |
| Efficiency ratio | 73.1687% | 2,376 |
| Assets per employee ($millions) | 3.4275% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,520 |
| Loan loss allowance to noncurrent loans | 71.9101% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 1,393 |
| Noncurrent loans to loans | 1.3287% | 1,524 |
| Net loans and leases to total assets | 90.4474% | 47 |
| Net loans and leases to deposits | 128.0645% | 42 |
| Net loans and leases to core deposits | 132.0892% | 232 |
| Total domestic deposits to total assets | 70.6264% | 5,608 |
| Equity capital to assets | 25.7644% | 92 |
| Core capital (leverage) ratio | 27.4303% | 73 |
| Tier 1 risk-based capital ratio | 34.9139% | 324 |
| Total risk-based capital ratio | 36.0860% | 323 |
| Memoranda: | ||
| Average total assets | $366,024,500 | 1,876 |
| Average earning assets | $339,634,500 | 1,872 |
| Average equity | $93,901,500 | 871 |
| Average total loans | $333,852,000 | 1,445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 436 |
| Cost of funding earning assets | 0.2227% | 4,804 |
| Net interest margin | 4.9467% | 274 |
| Noninterest income to average assets | 0.7414% | 1,990 |
| Noninterest expense to average assets | 3.8130% | 768 |
| Loan and lease loss provision to assets | 0.0869% | 2,625 |
| Net operating income to assets | 0.9412% | 2,629 |
| Return on assets (ROA) | 0.9418% | 2,732 |
| Pretax return on assets | 1.4244% | 1,843 |
| Return on Equity (ROE) | 3.6715% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.6715% | 3,301 |
| Net charge-offs to loans | 0.1573% | 1,702 |
| Credit loss provision to net charge-offs | 60.8611% | 3,231 |
| Earnings coverage of net charge-offs (x) | 10.5773% | 2,629 |
| Efficiency ratio | 71.6258% | 2,645 |
| Assets per employee ($millions) | 3.3825% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 4,520 |
| Loan loss allowance to noncurrent loans | 73.5632% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 1,331 |
| Noncurrent loans to loans | 1.3071% | 1,570 |
| Net loans and leases to total assets | 90.2242% | 65 |
| Net loans and leases to deposits | 131.4841% | 39 |
| Net loans and leases to core deposits | 135.3506% | 222 |
| Total domestic deposits to total assets | 68.6199% | 5,700 |
| Equity capital to assets | 25.5440% | 92 |
| Core capital (leverage) ratio | 27.5463% | 73 |
| Tier 1 risk-based capital ratio | 34.9933% | 319 |
| Total risk-based capital ratio | 36.1776% | 318 |
| Memoranda: | ||
| Average total assets | $357,825,200 | 1,867 |
| Average earning assets | $331,454,600 | 1,867 |
| Average equity | $91,789,200 | 875 |
| Average total loans | $324,762,800 | 1,434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 434 |
| Cost of funding earning assets | 0.2244% | 4,842 |
| Net interest margin | 4.9622% | 275 |
| Noninterest income to average assets | 0.7237% | 2,065 |
| Noninterest expense to average assets | 3.6588% | 909 |
| Loan and lease loss provision to assets | 0.1483% | 1,583 |
| Net operating income to assets | 0.9994% | 2,435 |
| Return on assets (ROA) | 1.0001% | 2,570 |
| Pretax return on assets | 1.5136% | 1,668 |
| Return on Equity (ROE) | 3.8945% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,533 |
| Net charge-offs to loans | 0.1636% | 1,393 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 11.1969% | 2,516 |
| Efficiency ratio | 68.7790% | 3,083 |
| Assets per employee ($millions) | 3.2201% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,170 |
| Loan loss allowance to noncurrent loans | 83.9506% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2874% | 1,495 |
| Noncurrent loans to loans | 1.2411% | 1,809 |
| Net loans and leases to total assets | 89.5346% | 80 |
| Net loans and leases to deposits | 125.9978% | 68 |
| Net loans and leases to core deposits | 129.7514% | 306 |
| Total domestic deposits to total assets | 71.0604% | 5,641 |
| Equity capital to assets | 25.7299% | 96 |
| Core capital (leverage) ratio | 27.6323% | 70 |
| Tier 1 risk-based capital ratio | 35.2173% | 329 |
| Total risk-based capital ratio | 36.4675% | 324 |
| Memoranda: | ||
| Average total assets | $355,953,750 | 1,883 |
| Average earning assets | $329,687,250 | 1,874 |
| Average equity | $91,407,750 | 882 |
| Average total loans | $322,753,750 | 1,440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 439 |
| Cost of funding earning assets | 0.2271% | 4,873 |
| Net interest margin | 4.9502% | 283 |
| Noninterest income to average assets | 0.7145% | 2,072 |
| Noninterest expense to average assets | 3.5989% | 1,013 |
| Loan and lease loss provision to assets | 0.1151% | 1,963 |
| Net operating income to assets | 1.0484% | 2,189 |
| Return on assets (ROA) | 1.0491% | 2,306 |
| Pretax return on assets | 1.5904% | 1,397 |
| Return on Equity (ROE) | 4.0882% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.0882% | 3,300 |
| Net charge-offs to loans | 0.1263% | 1,581 |
| Credit loss provision to net charge-offs | 100.4926% | 2,078 |
| Earnings coverage of net charge-offs (x) | 14.8768% | 2,031 |
| Efficiency ratio | 67.8621% | 3,374 |
| Assets per employee ($millions) | 3.4710% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,285 |
| Loan loss allowance to noncurrent loans | 76.7321% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 1,423 |
| Noncurrent loans to loans | 1.3551% | 1,655 |
| Net loans and leases to total assets | 90.5087% | 55 |
| Net loans and leases to deposits | 128.6646% | 51 |
| Net loans and leases to core deposits | 132.5468% | 268 |
| Total domestic deposits to total assets | 70.3447% | 5,768 |
| Equity capital to assets | 25.7309% | 90 |
| Core capital (leverage) ratio | 27.5375% | 69 |
| Tier 1 risk-based capital ratio | 35.3634% | 325 |
| Total risk-based capital ratio | 36.6136% | 320 |
| Memoranda: | ||
| Average total assets | $354,386,670 | 1,885 |
| Average earning assets | $328,509,330 | 1,886 |
| Average equity | $90,945,000 | 881 |
| Average total loans | $321,568,000 | 1,449 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 436 |
| Cost of funding earning assets | 0.2286% | 4,915 |
| Net interest margin | 4.9441% | 287 |
| Noninterest income to average assets | 0.7006% | 2,040 |
| Noninterest expense to average assets | 3.5598% | 1,082 |
| Loan and lease loss provision to assets | 0.0624% | 2,701 |
| Net operating income to assets | 1.0933% | 1,929 |
| Return on assets (ROA) | 1.0940% | 2,023 |
| Pretax return on assets | 1.6654% | 1,142 |
| Return on Equity (ROE) | 4.2688% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.2688% | 3,345 |
| Net charge-offs to loans | 0.0690% | 1,792 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 27.6909% | 1,236 |
| Efficiency ratio | 67.3386% | 3,572 |
| Assets per employee ($millions) | 3.3914% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,270 |
| Loan loss allowance to noncurrent loans | 83.6820% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 1,786 |
| Noncurrent loans to loans | 1.2694% | 1,906 |
| Net loans and leases to total assets | 89.7862% | 64 |
| Net loans and leases to deposits | 126.6426% | 49 |
| Net loans and leases to core deposits | 130.3681% | 265 |
| Total domestic deposits to total assets | 70.8973% | 5,827 |
| Equity capital to assets | 25.8266% | 85 |
| Core capital (leverage) ratio | 27.4691% | 70 |
| Tier 1 risk-based capital ratio | 36.2231% | 304 |
| Total risk-based capital ratio | 37.4741% | 299 |
| Memoranda: | ||
| Average total assets | $352,826,000 | 1,896 |
| Average earning assets | $327,256,000 | 1,897 |
| Average equity | $90,422,500 | 884 |
| Average total loans | $318,864,000 | 1,455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 463 |
| Cost of funding earning assets | 0.2336% | 4,973 |
| Net interest margin | 4.9245% | 290 |
| Noninterest income to average assets | 0.7643% | 1,918 |
| Noninterest expense to average assets | 3.7790% | 886 |
| Loan and lease loss provision to assets | 0.1376% | 1,721 |
| Net operating income to assets | 0.9007% | 2,865 |
| Return on assets (ROA) | 0.9007% | 2,943 |
| Pretax return on assets | 1.3850% | 1,959 |
| Return on Equity (ROE) | 3.4926% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,573 |
| Net charge-offs to loans | 0.1555% | 1,822 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 11.0674% | 2,623 |
| Efficiency ratio | 71.2811% | 3,020 |
| Assets per employee ($millions) | 3.3937% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,210 |
| Loan loss allowance to noncurrent loans | 80.3593% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2336% | 1,740 |
| Noncurrent loans to loans | 1.3320% | 1,769 |
| Net loans and leases to total assets | 89.0353% | 91 |
| Net loans and leases to deposits | 127.2254% | 59 |
| Net loans and leases to core deposits | 131.0012% | 255 |
| Total domestic deposits to total assets | 69.9823% | 5,898 |
| Equity capital to assets | 25.4297% | 87 |
| Core capital (leverage) ratio | 27.5700% | 69 |
| Tier 1 risk-based capital ratio | 36.2063% | 302 |
| Total risk-based capital ratio | 37.4573% | 297 |
| Memoranda: | ||
| Average total assets | $345,272,400 | 1,891 |
| Average earning assets | $318,126,800 | 1,903 |
| Average equity | $89,045,400 | 855 |
| Average total loans | $305,437,400 | 1,453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 468 |
| Cost of funding earning assets | 0.2367% | 5,020 |
| Net interest margin | 4.9207% | 300 |
| Noninterest income to average assets | 0.7677% | 1,943 |
| Noninterest expense to average assets | 3.8125% | 839 |
| Loan and lease loss provision to assets | 0.0874% | 2,405 |
| Net operating income to assets | 0.9083% | 2,925 |
| Return on assets (ROA) | 0.9083% | 3,017 |
| Pretax return on assets | 1.3960% | 2,032 |
| Return on Equity (ROE) | 3.5092% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.5092% | 3,971 |
| Net charge-offs to loans | 0.0992% | 2,155 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 16.9779% | 2,082 |
| Efficiency ratio | 71.9900% | 2,884 |
| Assets per employee ($millions) | 3.2347% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,248 |
| Loan loss allowance to noncurrent loans | 75.4885% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 1,680 |
| Noncurrent loans to loans | 1.4513% | 1,722 |
| Net loans and leases to total assets | 88.6815% | 105 |
| Net loans and leases to deposits | 124.8277% | 68 |
| Net loans and leases to core deposits | 128.5758% | 300 |
| Total domestic deposits to total assets | 71.0432% | 5,923 |
| Equity capital to assets | 25.7290% | 89 |
| Core capital (leverage) ratio | 27.6952% | 71 |
| Tier 1 risk-based capital ratio | 37.0835% | 301 |
| Total risk-based capital ratio | 38.3351% | 299 |
| Memoranda: | ||
| Average total assets | $343,355,000 | 1,915 |
| Average earning assets | $315,966,500 | 1,927 |
| Average equity | $88,868,750 | 864 |
| Average total loans | $302,386,000 | 1,467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 454 |
| Cost of funding earning assets | 0.2404% | 5,048 |
| Net interest margin | 4.9204% | 290 |
| Noninterest income to average assets | 0.7441% | 2,024 |
| Noninterest expense to average assets | 3.8255% | 842 |
| Loan and lease loss provision to assets | 0.0397% | 3,324 |
| Net operating income to assets | 0.9070% | 2,835 |
| Return on assets (ROA) | 0.9070% | 2,961 |
| Pretax return on assets | 1.3971% | 1,991 |
| Return on Equity (ROE) | 3.4974% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.4974% | 3,813 |
| Net charge-offs to loans | 0.0454% | 2,792 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 36.1765% | 1,206 |
| Efficiency ratio | 72.6970% | 2,899 |
| Assets per employee ($millions) | 3.2481% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 4,254 |
| Loan loss allowance to noncurrent loans | 73.7847% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4385% | 1,735 |
| Noncurrent loans to loans | 1.5092% | 1,766 |
| Net loans and leases to total assets | 88.5279% | 113 |
| Net loans and leases to deposits | 125.0749% | 65 |
| Net loans and leases to core deposits | 128.8871% | 286 |
| Total domestic deposits to total assets | 70.7799% | 5,999 |
| Equity capital to assets | 25.8540% | 84 |
| Core capital (leverage) ratio | 27.7954% | 71 |
| Tier 1 risk-based capital ratio | 38.0144% | 292 |
| Total risk-based capital ratio | 39.2666% | 289 |
| Memoranda: | ||
| Average total assets | $342,435,000 | 1,931 |
| Average earning assets | $314,445,330 | 1,955 |
| Average equity | $88,807,670 | 869 |
| Average total loans | $299,734,670 | 1,480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 431 |
| Cost of funding earning assets | 0.2458% | 5,066 |
| Net interest margin | 4.9176% | 289 |
| Noninterest income to average assets | 0.7134% | 2,107 |
| Noninterest expense to average assets | 3.6628% | 1,053 |
| Loan and lease loss provision to assets | 0.1119% | 1,847 |
| Net operating income to assets | 0.9279% | 2,619 |
| Return on assets (ROA) | 0.9279% | 2,740 |
| Pretax return on assets | 1.4397% | 1,746 |
| Return on Equity (ROE) | 3.5726% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.5726% | 3,857 |
| Net charge-offs to loans | 0.1280% | 1,490 |
| Credit loss provision to net charge-offs | 101.0526% | 1,592 |
| Earnings coverage of net charge-offs (x) | 14.0105% | 1,690 |
| Efficiency ratio | 70.2437% | 3,442 |
| Assets per employee ($millions) | 3.3108% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 4,306 |
| Loan loss allowance to noncurrent loans | 74.7746% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 1,815 |
| Noncurrent loans to loans | 1.5270% | 1,844 |
| Net loans and leases to total assets | 86.3246% | 170 |
| Net loans and leases to deposits | 119.3857% | 89 |
| Net loans and leases to core deposits | 122.8052% | 357 |
| Total domestic deposits to total assets | 72.3074% | 6,024 |
| Equity capital to assets | 25.6575% | 89 |
| Core capital (leverage) ratio | 27.1548% | 76 |
| Tier 1 risk-based capital ratio | 37.4196% | 299 |
| Total risk-based capital ratio | 38.6713% | 298 |
| Memoranda: | ||
| Average total assets | $343,126,000 | 1,941 |
| Average earning assets | $314,053,000 | 1,969 |
| Average equity | $89,123,500 | 864 |
| Average total loans | $296,938,500 | 1,492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 629 |
| Cost of funding earning assets | 0.2845% | 4,959 |
| Net interest margin | 4.8167% | 422 |
| Noninterest income to average assets | 0.7924% | 1,908 |
| Noninterest expense to average assets | 3.6287% | 1,253 |
| Loan and lease loss provision to assets | 0.0655% | 3,194 |
| Net operating income to assets | 0.9649% | 2,560 |
| Return on assets (ROA) | 0.9649% | 2,643 |
| Pretax return on assets | 1.4803% | 1,617 |
| Return on Equity (ROE) | 3.7468% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.7468% | 3,553 |
| Net charge-offs to loans | 0.0792% | 3,360 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 23.5938% | 1,573 |
| Efficiency ratio | 70.1261% | 3,511 |
| Assets per employee ($millions) | 3.3518% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 4,297 |
| Loan loss allowance to noncurrent loans | 91.5209% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 2,456 |
| Noncurrent loans to loans | 1.2547% | 2,354 |
| Net loans and leases to total assets | 84.7815% | 294 |
| Net loans and leases to deposits | 120.0134% | 98 |
| Net loans and leases to core deposits | 123.9375% | 322 |
| Total domestic deposits to total assets | 70.6434% | 6,165 |
| Equity capital to assets | 26.2866% | 86 |
| Core capital (leverage) ratio | 26.9409% | 78 |
| Tier 1 risk-based capital ratio | 36.7358% | 292 |
| Total risk-based capital ratio | 37.9803% | 285 |
| Memoranda: | ||
| Average total assets | $341,889,000 | 1,900 |
| Average earning assets | $311,045,400 | 1,925 |
| Average equity | $88,049,400 | 835 |
| Average total loans | $282,920,200 | 1,502 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 701 |
| Cost of funding earning assets | 0.2798% | 5,095 |
| Net interest margin | 4.7738% | 451 |
| Noninterest income to average assets | 0.8159% | 1,833 |
| Noninterest expense to average assets | 3.4836% | 1,496 |
| Loan and lease loss provision to assets | 0.0536% | 3,303 |
| Net operating income to assets | 1.0598% | 2,197 |
| Return on assets (ROA) | 1.0598% | 2,263 |
| Pretax return on assets | 1.6271% | 1,241 |
| Return on Equity (ROE) | 4.1369% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.1369% | 3,712 |
| Net charge-offs to loans | 0.0653% | 3,265 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 31.3799% | 1,328 |
| Efficiency ratio | 67.4565% | 3,946 |
| Assets per employee ($millions) | 3.3437% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 4,388 |
| Loan loss allowance to noncurrent loans | 96.8109% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 2,603 |
| Noncurrent loans to loans | 1.2080% | 2,627 |
| Net loans and leases to total assets | 82.6231% | 446 |
| Net loans and leases to deposits | 116.1757% | 126 |
| Net loans and leases to core deposits | 120.1898% | 395 |
| Total domestic deposits to total assets | 71.1191% | 6,225 |
| Equity capital to assets | 25.9014% | 88 |
| Core capital (leverage) ratio | 26.7390% | 74 |
| Tier 1 risk-based capital ratio | 36.9822% | 298 |
| Total risk-based capital ratio | 38.2270% | 295 |
| Memoranda: | ||
| Average total assets | $341,052,000 | 1,914 |
| Average earning assets | $310,662,750 | 1,943 |
| Average equity | $87,374,000 | 843 |
| Average total loans | $279,626,000 | 1,532 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 729 |
| Cost of funding earning assets | 0.2900% | 5,076 |
| Net interest margin | 4.7262% | 464 |
| Noninterest income to average assets | 0.7697% | 1,960 |
| Noninterest expense to average assets | 3.4951% | 1,481 |
| Loan and lease loss provision to assets | 0.1216% | 2,019 |
| Net operating income to assets | 0.9492% | 2,552 |
| Return on assets (ROA) | 0.9492% | 2,648 |
| Pretax return on assets | 1.4621% | 1,667 |
| Return on Equity (ROE) | 3.7190% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,831 |
| Net charge-offs to loans | 0.1493% | 2,193 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 13.0243% | 2,008 |
| Efficiency ratio | 68.8168% | 3,860 |
| Assets per employee ($millions) | 3.2638% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,440 |
| Loan loss allowance to noncurrent loans | 86.7126% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 2,454 |
| Noncurrent loans to loans | 1.3792% | 2,501 |
| Net loans and leases to total assets | 81.9649% | 469 |
| Net loans and leases to deposits | 114.9502% | 133 |
| Net loans and leases to core deposits | 119.3940% | 395 |
| Total domestic deposits to total assets | 71.3047% | 6,298 |
| Equity capital to assets | 25.9711% | 82 |
| Core capital (leverage) ratio | 26.7857% | 73 |
| Tier 1 risk-based capital ratio | 37.3934% | 290 |
| Total risk-based capital ratio | 38.6382% | 284 |
| Memoranda: | ||
| Average total assets | $338,819,670 | 1,927 |
| Average earning assets | $308,919,330 | 1,950 |
| Average equity | $86,474,670 | 848 |
| Average total loans | $275,927,670 | 1,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 777 |
| Cost of funding earning assets | 0.3036% | 5,026 |
| Net interest margin | 4.6581% | 498 |
| Noninterest income to average assets | 0.7195% | 2,081 |
| Noninterest expense to average assets | 3.5229% | 1,446 |
| Loan and lease loss provision to assets | -0.0012% | 6,363 |
| Net operating income to assets | 0.9404% | 2,451 |
| Return on assets (ROA) | 0.9404% | 2,523 |
| Pretax return on assets | 1.4605% | 1,545 |
| Return on Equity (ROE) | 3.7179% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.7179% | 3,901 |
| Net charge-offs to loans | -0.0015% | 4,678 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7102% | 3,703 |
| Assets per employee ($millions) | 3.2878% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,376 |
| Loan loss allowance to noncurrent loans | 70.6861% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 2,319 |
| Noncurrent loans to loans | 1.7680% | 2,177 |
| Net loans and leases to total assets | 78.5702% | 701 |
| Net loans and leases to deposits | 109.8936% | 154 |
| Net loans and leases to core deposits | 114.2170% | 460 |
| Total domestic deposits to total assets | 71.4966% | 6,386 |
| Equity capital to assets | 25.7426% | 88 |
| Core capital (leverage) ratio | 27.0217% | 78 |
| Tier 1 risk-based capital ratio | 38.6676% | 259 |
| Total risk-based capital ratio | 39.9135% | 257 |
| Memoranda: | ||
| Average total assets | $336,877,500 | 1,947 |
| Average earning assets | $308,282,500 | 1,963 |
| Average equity | $85,210,000 | 861 |
| Average total loans | $271,743,000 | 1,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 758 |
| Cost of funding earning assets | 0.3840% | 4,808 |
| Net interest margin | 4.7194% | 496 |
| Noninterest income to average assets | 0.8673% | 1,795 |
| Noninterest expense to average assets | 3.7494% | 1,215 |
| Loan and lease loss provision to assets | 0.2032% | 1,828 |
| Net operating income to assets | 0.8444% | 3,069 |
| Return on assets (ROA) | 0.8444% | 3,144 |
| Pretax return on assets | 1.2798% | 2,237 |
| Return on Equity (ROE) | 3.4397% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.4397% | 3,786 |
| Net charge-offs to loans | 0.2509% | 2,466 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.2982% | 2,875 |
| Efficiency ratio | 71.6582% | 3,543 |
| Assets per employee ($millions) | 3.1602% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,378 |
| Loan loss allowance to noncurrent loans | 74.5451% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 2,562 |
| Noncurrent loans to loans | 1.6804% | 2,387 |
| Net loans and leases to total assets | 80.7748% | 520 |
| Net loans and leases to deposits | 111.2358% | 154 |
| Net loans and leases to core deposits | 116.3867% | 409 |
| Total domestic deposits to total assets | 72.6159% | 6,376 |
| Equity capital to assets | 24.8318% | 97 |
| Core capital (leverage) ratio | 26.8166% | 74 |
| Tier 1 risk-based capital ratio | 39.2710% | 240 |
| Total risk-based capital ratio | 40.5247% | 235 |
| Memoranda: | ||
| Average total assets | $331,702,200 | 1,945 |
| Average earning assets | $306,800,000 | 1,928 |
| Average equity | $81,431,200 | 877 |
| Average total loans | $268,630,200 | 1,558 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 762 |
| Cost of funding earning assets | 0.3964% | 4,844 |
| Net interest margin | 4.7131% | 503 |
| Noninterest income to average assets | 0.8691% | 1,861 |
| Noninterest expense to average assets | 3.6907% | 1,262 |
| Loan and lease loss provision to assets | 0.1118% | 2,899 |
| Net operating income to assets | 0.9423% | 2,630 |
| Return on assets (ROA) | 0.9423% | 2,736 |
| Pretax return on assets | 1.4307% | 1,830 |
| Return on Equity (ROE) | 3.8493% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.8493% | 3,941 |
| Net charge-offs to loans | 0.1383% | 3,157 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 13.8021% | 1,995 |
| Efficiency ratio | 70.5254% | 3,668 |
| Assets per employee ($millions) | 3.0458% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,545 |
| Loan loss allowance to noncurrent loans | 66.8765% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 2,547 |
| Noncurrent loans to loans | 1.8973% | 2,373 |
| Net loans and leases to total assets | 78.9627% | 652 |
| Net loans and leases to deposits | 107.9133% | 196 |
| Net loans and leases to core deposits | 113.5380% | 465 |
| Total domestic deposits to total assets | 73.1724% | 6,424 |
| Equity capital to assets | 24.5109% | 97 |
| Core capital (leverage) ratio | 26.8495% | 71 |
| Tier 1 risk-based capital ratio | 39.4185% | 247 |
| Total risk-based capital ratio | 40.6727% | 244 |
| Memoranda: | ||
| Average total assets | $331,672,750 | 1,951 |
| Average earning assets | $307,107,000 | 1,938 |
| Average equity | $81,189,750 | 890 |
| Average total loans | $267,931,000 | 1,568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 762 |
| Cost of funding earning assets | 0.4122% | 4,839 |
| Net interest margin | 4.6950% | 511 |
| Noninterest income to average assets | 0.8888% | 1,853 |
| Noninterest expense to average assets | 3.7259% | 1,212 |
| Loan and lease loss provision to assets | 0.0738% | 3,563 |
| Net operating income to assets | 0.9481% | 2,579 |
| Return on assets (ROA) | 0.9481% | 2,724 |
| Pretax return on assets | 1.4449% | 1,783 |
| Return on Equity (ROE) | 3.8749% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.8749% | 3,831 |
| Net charge-offs to loans | 0.0911% | 3,449 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 20.5738% | 1,454 |
| Efficiency ratio | 71.0429% | 3,635 |
| Assets per employee ($millions) | 3.2417% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,686 |
| Loan loss allowance to noncurrent loans | 63.4092% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 2,549 |
| Noncurrent loans to loans | 1.9901% | 2,410 |
| Net loans and leases to total assets | 80.4572% | 493 |
| Net loans and leases to deposits | 109.9288% | 145 |
| Net loans and leases to core deposits | 115.7321% | 398 |
| Total domestic deposits to total assets | 73.1903% | 6,496 |
| Equity capital to assets | 24.6186% | 92 |
| Core capital (leverage) ratio | 26.8133% | 68 |
| Tier 1 risk-based capital ratio | 38.8577% | 252 |
| Total risk-based capital ratio | 40.1115% | 246 |
| Memoranda: | ||
| Average total assets | $330,550,670 | 1,966 |
| Average earning assets | $306,669,670 | 1,952 |
| Average equity | $80,879,330 | 898 |
| Average total loans | $267,922,670 | 1,563 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 753 |
| Cost of funding earning assets | 0.4269% | 4,842 |
| Net interest margin | 4.6625% | 511 |
| Noninterest income to average assets | 0.9234% | 1,683 |
| Noninterest expense to average assets | 3.7894% | 1,126 |
| Loan and lease loss provision to assets | 0.0847% | 3,243 |
| Net operating income to assets | 0.8920% | 2,689 |
| Return on assets (ROA) | 0.8920% | 2,837 |
| Pretax return on assets | 1.3712% | 1,961 |
| Return on Equity (ROE) | 3.6567% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.6567% | 4,049 |
| Net charge-offs to loans | 0.1048% | 2,826 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 17.1857% | 1,334 |
| Efficiency ratio | 72.2427% | 3,570 |
| Assets per employee ($millions) | 3.1936% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,844 |
| Loan loss allowance to noncurrent loans | 61.0194% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.7496% | 2,672 |
| Noncurrent loans to loans | 2.0831% | 2,528 |
| Net loans and leases to total assets | 79.5140% | 471 |
| Net loans and leases to deposits | 108.1233% | 158 |
| Net loans and leases to core deposits | 113.7618% | 395 |
| Total domestic deposits to total assets | 73.5402% | 6,563 |
| Equity capital to assets | 24.3832% | 102 |
| Core capital (leverage) ratio | 26.6311% | 72 |
| Tier 1 risk-based capital ratio | 38.8636% | 253 |
| Total risk-based capital ratio | 40.1175% | 248 |
| Memoranda: | ||
| Average total assets | $330,501,500 | 1,986 |
| Average earning assets | $306,361,000 | 1,971 |
| Average equity | $80,618,500 | 911 |
| Average total loans | $267,168,500 | 1,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 1,046 |
| Cost of funding earning assets | 0.4828% | 5,334 |
| Net interest margin | 4.7535% | 591 |
| Noninterest income to average assets | 0.8546% | 2,020 |
| Noninterest expense to average assets | 3.7309% | 1,358 |
| Loan and lease loss provision to assets | 0.1887% | 3,280 |
| Net operating income to assets | 0.8962% | 2,841 |
| Return on assets (ROA) | 0.8976% | 3,068 |
| Pretax return on assets | 1.3398% | 2,256 |
| Return on Equity (ROE) | 3.7116% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.7116% | 3,605 |
| Net charge-offs to loans | 0.2331% | 3,540 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 8.0905% | 2,476 |
| Efficiency ratio | 70.9664% | 3,628 |
| Assets per employee ($millions) | 3.1622% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 4,761 |
| Loan loss allowance to noncurrent loans | 58.8541% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8554% | 2,630 |
| Noncurrent loans to loans | 2.1649% | 2,508 |
| Net loans and leases to total assets | 80.1060% | 463 |
| Net loans and leases to deposits | 109.7746% | 159 |
| Net loans and leases to core deposits | 116.3733% | 348 |
| Total domestic deposits to total assets | 72.9732% | 6,626 |
| Equity capital to assets | 24.4024% | 105 |
| Core capital (leverage) ratio | 26.4615% | 79 |
| Tier 1 risk-based capital ratio | 38.4148% | 268 |
| Total risk-based capital ratio | 39.6687% | 260 |
| Memoranda: | ||
| Average total assets | $328,099,600 | 1,965 |
| Average earning assets | $303,878,400 | 1,949 |
| Average equity | $79,344,800 | 886 |
| Average total loans | $265,558,600 | 1,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 1,088 |
| Cost of funding earning assets | 0.4921% | 5,490 |
| Net interest margin | 4.7644% | 594 |
| Noninterest income to average assets | 0.8246% | 2,139 |
| Noninterest expense to average assets | 3.6327% | 1,493 |
| Loan and lease loss provision to assets | 0.0960% | 4,375 |
| Net operating income to assets | 1.0097% | 2,458 |
| Return on assets (ROA) | 1.0116% | 2,674 |
| Pretax return on assets | 1.5154% | 1,824 |
| Return on Equity (ROE) | 4.1928% | 5,203 |
| Retained earnings to average equity (ytd only) | 4.1928% | 3,942 |
| Net charge-offs to loans | 0.1186% | 4,190 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 16.7626% | 1,663 |
| Efficiency ratio | 69.3095% | 3,812 |
| Assets per employee ($millions) | 3.0794% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,913 |
| Loan loss allowance to noncurrent loans | 63.2088% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.7508% | 2,977 |
| Noncurrent loans to loans | 2.0201% | 2,823 |
| Net loans and leases to total assets | 79.7795% | 523 |
| Net loans and leases to deposits | 108.7695% | 181 |
| Net loans and leases to core deposits | 115.3955% | 397 |
| Total domestic deposits to total assets | 73.3473% | 6,652 |
| Equity capital to assets | 24.2275% | 116 |
| Core capital (leverage) ratio | 26.2661% | 84 |
| Tier 1 risk-based capital ratio | 38.4387% | 276 |
| Total risk-based capital ratio | 39.6930% | 270 |
| Memoranda: | ||
| Average total assets | $327,906,250 | 1,981 |
| Average earning assets | $303,970,750 | 1,965 |
| Average equity | $79,117,750 | 889 |
| Average total loans | $265,236,500 | 1,574 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 1,099 |
| Cost of funding earning assets | 0.5032% | 5,598 |
| Net interest margin | 4.7720% | 593 |
| Noninterest income to average assets | 0.8113% | 2,130 |
| Noninterest expense to average assets | 3.6227% | 1,533 |
| Loan and lease loss provision to assets | 0.0776% | 4,643 |
| Net operating income to assets | 1.0233% | 2,367 |
| Return on assets (ROA) | 1.0233% | 2,594 |
| Pretax return on assets | 1.5371% | 1,759 |
| Return on Equity (ROE) | 4.2469% | 5,154 |
| Retained earnings to average equity (ytd only) | 4.2469% | 3,781 |
| Net charge-offs to loans | 0.0959% | 4,199 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 20.8110% | 1,369 |
| Efficiency ratio | 69.1707% | 3,901 |
| Assets per employee ($millions) | 3.1278% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,980 |
| Loan loss allowance to noncurrent loans | 70.6714% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.6528% | 3,242 |
| Noncurrent loans to loans | 1.8119% | 3,196 |
| Net loans and leases to total assets | 79.8129% | 535 |
| Net loans and leases to deposits | 108.3060% | 177 |
| Net loans and leases to core deposits | 114.9044% | 424 |
| Total domestic deposits to total assets | 73.6921% | 6,699 |
| Equity capital to assets | 24.0575% | 114 |
| Core capital (leverage) ratio | 26.1408% | 85 |
| Tier 1 risk-based capital ratio | 38.3560% | 268 |
| Total risk-based capital ratio | 39.6104% | 257 |
| Memoranda: | ||
| Average total assets | $327,375,670 | 1,983 |
| Average earning assets | $303,648,670 | 1,959 |
| Average equity | $78,880,670 | 881 |
| Average total loans | $264,891,330 | 1,576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 1,116 |
| Cost of funding earning assets | 0.5137% | 5,727 |
| Net interest margin | 4.7768% | 597 |
| Noninterest income to average assets | 0.7600% | 2,348 |
| Noninterest expense to average assets | 3.7166% | 1,352 |
| Loan and lease loss provision to assets | 0.0159% | 5,121 |
| Net operating income to assets | 0.9607% | 2,637 |
| Return on assets (ROA) | 0.9607% | 2,838 |
| Pretax return on assets | 1.4539% | 2,010 |
| Return on Equity (ROE) | 3.9839% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.9839% | 4,192 |
| Net charge-offs to loans | 0.0197% | 4,416 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 92.3846% | 370 |
| Efficiency ratio | 71.6612% | 3,505 |
| Assets per employee ($millions) | 3.2159% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,145 |
| Loan loss allowance to noncurrent loans | 62.8814% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7986% | 3,175 |
| Noncurrent loans to loans | 2.0235% | 3,120 |
| Net loans and leases to total assets | 80.4249% | 370 |
| Net loans and leases to deposits | 108.9245% | 152 |
| Net loans and leases to core deposits | 115.1107% | 402 |
| Total domestic deposits to total assets | 73.8355% | 6,765 |
| Equity capital to assets | 23.8086% | 114 |
| Core capital (leverage) ratio | 25.9049% | 83 |
| Tier 1 risk-based capital ratio | 37.9295% | 272 |
| Total risk-based capital ratio | 39.1840% | 264 |
| Memoranda: | ||
| Average total assets | $326,854,500 | 1,992 |
| Average earning assets | $302,883,000 | 1,966 |
| Average equity | $78,816,500 | 880 |
| Average total loans | $264,577,000 | 1,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 1,238 |
| Cost of funding earning assets | 0.6256% | 5,955 |
| Net interest margin | 4.8458% | 576 |
| Noninterest income to average assets | 0.7774% | 2,182 |
| Noninterest expense to average assets | 3.6490% | 1,641 |
| Loan and lease loss provision to assets | 0.2333% | 3,873 |
| Net operating income to assets | 0.9116% | 2,551 |
| Return on assets (ROA) | 0.9147% | 2,662 |
| Pretax return on assets | 1.3671% | 1,889 |
| Return on Equity (ROE) | 3.8109% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.8109% | 3,504 |
| Net charge-offs to loans | 0.2890% | 3,966 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.8399% | 2,441 |
| Efficiency ratio | 69.5734% | 4,046 |
| Assets per employee ($millions) | 3.1930% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 4,913 |
| Loan loss allowance to noncurrent loans | 59.8276% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8776% | 3,147 |
| Noncurrent loans to loans | 2.1696% | 2,986 |
| Net loans and leases to total assets | 79.3838% | 557 |
| Net loans and leases to deposits | 108.7316% | 194 |
| Net loans and leases to core deposits | 114.6447% | 478 |
| Total domestic deposits to total assets | 73.0089% | 6,808 |
| Equity capital to assets | 24.4208% | 110 |
| Core capital (leverage) ratio | 25.8456% | 94 |
| Tier 1 risk-based capital ratio | 37.7639% | 275 |
| Total risk-based capital ratio | 39.0183% | 269 |
| Memoranda: | ||
| Average total assets | $324,035,800 | 1,988 |
| Average earning assets | $298,730,200 | 1,959 |
| Average equity | $77,777,400 | 863 |
| Average total loans | $261,634,600 | 1,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 1,313 |
| Cost of funding earning assets | 0.6408% | 6,086 |
| Net interest margin | 4.8348% | 580 |
| Noninterest income to average assets | 0.7630% | 2,242 |
| Noninterest expense to average assets | 3.7265% | 1,439 |
| Loan and lease loss provision to assets | 0.2237% | 3,772 |
| Net operating income to assets | 0.8520% | 2,932 |
| Return on assets (ROA) | 0.8561% | 3,071 |
| Pretax return on assets | 1.2796% | 2,363 |
| Return on Equity (ROE) | 3.5825% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.5825% | 4,189 |
| Net charge-offs to loans | 0.2768% | 3,699 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 6.6925% | 2,505 |
| Efficiency ratio | 71.3384% | 3,683 |
| Assets per employee ($millions) | 3.1013% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 5,027 |
| Loan loss allowance to noncurrent loans | 52.6316% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 3,069 |
| Noncurrent loans to loans | 2.4630% | 2,812 |
| Net loans and leases to total assets | 78.7484% | 632 |
| Net loans and leases to deposits | 106.9421% | 231 |
| Net loans and leases to core deposits | 112.5125% | 590 |
| Total domestic deposits to total assets | 73.6365% | 6,799 |
| Equity capital to assets | 23.9227% | 132 |
| Core capital (leverage) ratio | 25.5363% | 109 |
| Tier 1 risk-based capital ratio | 37.5429% | 290 |
| Total risk-based capital ratio | 38.7974% | 288 |
| Memoranda: | ||
| Average total assets | $323,623,500 | 1,996 |
| Average earning assets | $298,578,000 | 1,966 |
| Average equity | $77,338,000 | 877 |
| Average total loans | $261,558,000 | 1,621 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 1,303 |
| Cost of funding earning assets | 0.6573% | 6,191 |
| Net interest margin | 4.8376% | 571 |
| Noninterest income to average assets | 0.7896% | 2,073 |
| Noninterest expense to average assets | 3.7656% | 1,410 |
| Loan and lease loss provision to assets | 0.2417% | 3,490 |
| Net operating income to assets | 0.8368% | 2,916 |
| Return on assets (ROA) | 0.8393% | 3,008 |
| Pretax return on assets | 1.2581% | 2,275 |
| Return on Equity (ROE) | 3.5135% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.5135% | 4,011 |
| Net charge-offs to loans | 0.2977% | 3,381 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 6.1902% | 2,447 |
| Efficiency ratio | 71.5669% | 3,818 |
| Assets per employee ($millions) | 3.0343% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 5,059 |
| Loan loss allowance to noncurrent loans | 53.8571% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1338% | 3,066 |
| Noncurrent loans to loans | 2.4146% | 2,974 |
| Net loans and leases to total assets | 80.2297% | 507 |
| Net loans and leases to deposits | 109.7203% | 183 |
| Net loans and leases to core deposits | 115.2894% | 531 |
| Total domestic deposits to total assets | 73.1220% | 6,913 |
| Equity capital to assets | 24.1967% | 133 |
| Core capital (leverage) ratio | 25.4926% | 115 |
| Tier 1 risk-based capital ratio | 37.4682% | 292 |
| Total risk-based capital ratio | 38.7226% | 282 |
| Memoranda: | ||
| Average total assets | $321,917,330 | 2,011 |
| Average earning assets | $297,585,000 | 1,988 |
| Average equity | $76,902,670 | 883 |
| Average total loans | $261,317,670 | 1,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 1,283 |
| Cost of funding earning assets | 0.6771% | 6,260 |
| Net interest margin | 4.8271% | 539 |
| Noninterest income to average assets | 0.7663% | 2,184 |
| Noninterest expense to average assets | 3.7633% | 1,415 |
| Loan and lease loss provision to assets | 0.2236% | 3,421 |
| Net operating income to assets | 0.8210% | 2,925 |
| Return on assets (ROA) | 0.8235% | 2,974 |
| Pretax return on assets | 1.2457% | 2,210 |
| Return on Equity (ROE) | 3.4693% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.4693% | 4,107 |
| Net charge-offs to loans | 0.2756% | 2,966 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,082 |
| Efficiency ratio | 71.9715% | 3,871 |
| Assets per employee ($millions) | 3.1162% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 5,116 |
| Loan loss allowance to noncurrent loans | 52.4125% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.0920% | 3,206 |
| Noncurrent loans to loans | 2.4836% | 3,008 |
| Net loans and leases to total assets | 79.5440% | 562 |
| Net loans and leases to deposits | 108.2582% | 207 |
| Net loans and leases to core deposits | 113.6620% | 611 |
| Total domestic deposits to total assets | 73.4762% | 6,952 |
| Equity capital to assets | 23.7483% | 132 |
| Core capital (leverage) ratio | 25.3797% | 109 |
| Tier 1 risk-based capital ratio | 37.3035% | 292 |
| Total risk-based capital ratio | 38.5584% | 285 |
| Memoranda: | ||
| Average total assets | $322,056,500 | 2,027 |
| Average earning assets | $297,734,000 | 2,007 |
| Average equity | $76,441,000 | 876 |
| Average total loans | $261,251,500 | 1,667 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9572% | 930 |
| Cost of funding earning assets | 0.8318% | 6,434 |
| Net interest margin | 5.1255% | 336 |
| Noninterest income to average assets | 0.7695% | 2,426 |
| Noninterest expense to average assets | 3.6913% | 1,718 |
| Loan and lease loss provision to assets | 0.2135% | 5,122 |
| Net operating income to assets | 1.0260% | 1,946 |
| Return on assets (ROA) | 1.0260% | 2,056 |
| Pretax return on assets | 1.5346% | 1,287 |
| Return on Equity (ROE) | 4.3787% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.3787% | 2,781 |
| Net charge-offs to loans | 0.2592% | 4,739 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 8.1864% | 2,002 |
| Efficiency ratio | 67.8611% | 4,590 |
| Assets per employee ($millions) | 3.0772% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,995 |
| Loan loss allowance to noncurrent loans | 68.6037% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 3,864 |
| Noncurrent loans to loans | 1.8966% | 3,690 |
| Net loans and leases to total assets | 80.5907% | 584 |
| Net loans and leases to deposits | 110.2056% | 236 |
| Net loans and leases to core deposits | 115.9614% | 642 |
| Total domestic deposits to total assets | 73.1276% | 6,989 |
| Equity capital to assets | 23.7221% | 141 |
| Core capital (leverage) ratio | 25.1686% | 124 |
| Tier 1 risk-based capital ratio | 36.9158% | 299 |
| Total risk-based capital ratio | 38.1704% | 293 |
| Memoranda: | ||
| Average total assets | $316,558,800 | 2,054 |
| Average earning assets | $288,421,800 | 2,056 |
| Average equity | $74,177,200 | 893 |
| Average total loans | $260,830,200 | 1,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0053% | 926 |
| Cost of funding earning assets | 0.8627% | 6,537 |
| Net interest margin | 5.1426% | 328 |
| Noninterest income to average assets | 0.7475% | 2,526 |
| Noninterest expense to average assets | 3.6858% | 1,596 |
| Loan and lease loss provision to assets | 0.1250% | 5,781 |
| Net operating income to assets | 1.0723% | 1,998 |
| Return on assets (ROA) | 1.0723% | 2,108 |
| Pretax return on assets | 1.6070% | 1,332 |
| Return on Equity (ROE) | 4.5907% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.5907% | 3,271 |
| Net charge-offs to loans | 0.1514% | 5,096 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 13.8546% | 1,555 |
| Efficiency ratio | 68.0309% | 4,461 |
| Assets per employee ($millions) | 2.9831% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,984 |
| Loan loss allowance to noncurrent loans | 69.0776% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 3,910 |
| Noncurrent loans to loans | 1.8772% | 3,831 |
| Net loans and leases to total assets | 80.3314% | 692 |
| Net loans and leases to deposits | 109.2073% | 272 |
| Net loans and leases to core deposits | 114.9580% | 795 |
| Total domestic deposits to total assets | 73.5586% | 6,981 |
| Equity capital to assets | 23.4107% | 155 |
| Core capital (leverage) ratio | 25.0499% | 124 |
| Tier 1 risk-based capital ratio | 36.5477% | 315 |
| Total risk-based capital ratio | 37.8022% | 310 |
| Memoranda: | ||
| Average total assets | $315,691,750 | 2,090 |
| Average earning assets | $286,696,750 | 2,097 |
| Average equity | $73,742,250 | 896 |
| Average total loans | $260,709,750 | 1,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 810 |
| Cost of funding earning assets | 0.8982% | 6,590 |
| Net interest margin | 5.1705% | 300 |
| Noninterest income to average assets | 0.7597% | 2,330 |
| Noninterest expense to average assets | 3.7183% | 1,520 |
| Loan and lease loss provision to assets | 0.1569% | 5,327 |
| Net operating income to assets | 1.0353% | 2,062 |
| Return on assets (ROA) | 1.0353% | 2,141 |
| Pretax return on assets | 1.5552% | 1,418 |
| Return on Equity (ROE) | 4.4355% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.4355% | 3,250 |
| Net charge-offs to loans | 0.1891% | 4,475 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 10.9106% | 1,826 |
| Efficiency ratio | 68.4717% | 4,485 |
| Assets per employee ($millions) | 2.9388% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,898 |
| Loan loss allowance to noncurrent loans | 69.3029% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 3,907 |
| Noncurrent loans to loans | 1.8811% | 3,892 |
| Net loans and leases to total assets | 81.8587% | 547 |
| Net loans and leases to deposits | 111.3256% | 244 |
| Net loans and leases to core deposits | 117.3408% | 793 |
| Total domestic deposits to total assets | 73.5309% | 7,038 |
| Equity capital to assets | 23.7031% | 157 |
| Core capital (leverage) ratio | 25.1650% | 126 |
| Tier 1 risk-based capital ratio | 36.4475% | 316 |
| Total risk-based capital ratio | 37.7025% | 309 |
| Memoranda: | ||
| Average total assets | $313,531,330 | 2,125 |
| Average earning assets | $283,224,000 | 2,129 |
| Average equity | $73,182,000 | 906 |
| Average total loans | $260,211,000 | 1,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9499% | 1,077 |
| Cost of funding earning assets | 0.9072% | 6,744 |
| Net interest margin | 5.0428% | 382 |
| Noninterest income to average assets | 0.7947% | 2,046 |
| Noninterest expense to average assets | 3.7921% | 1,341 |
| Loan and lease loss provision to assets | 0.1699% | 4,830 |
| Net operating income to assets | 0.9812% | 2,253 |
| Return on assets (ROA) | 0.9812% | 2,314 |
| Pretax return on assets | 1.4846% | 1,555 |
| Return on Equity (ROE) | 4.2369% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.2369% | 3,610 |
| Net charge-offs to loans | 0.2047% | 3,688 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 9.7368% | 1,815 |
| Efficiency ratio | 69.6223% | 4,393 |
| Assets per employee ($millions) | 2.9951% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,857 |
| Loan loss allowance to noncurrent loans | 95.0783% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 4,642 |
| Noncurrent loans to loans | 1.3813% | 4,666 |
| Net loans and leases to total assets | 81.2377% | 680 |
| Net loans and leases to deposits | 110.1263% | 287 |
| Net loans and leases to core deposits | 115.5494% | 968 |
| Total domestic deposits to total assets | 73.7678% | 7,074 |
| Equity capital to assets | 23.4235% | 174 |
| Core capital (leverage) ratio | 25.1366% | 131 |
| Tier 1 risk-based capital ratio | 35.8057% | 336 |
| Total risk-based capital ratio | 37.0643% | 327 |
| Memoranda: | ||
| Average total assets | $313,070,500 | 2,175 |
| Average earning assets | $288,810,500 | 2,155 |
| Average equity | $72,505,500 | 914 |
| Average total loans | $259,913,000 | 1,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2992% | 1,028 |
| Cost of funding earning assets | 1.1545% | 6,811 |
| Net interest margin | 5.1447% | 328 |
| Noninterest income to average assets | 0.7527% | 2,661 |
| Noninterest expense to average assets | 3.6817% | 1,950 |
| Loan and lease loss provision to assets | 0.5250% | 3,746 |
| Net operating income to assets | 0.8620% | 2,305 |
| Return on assets (ROA) | 0.8620% | 2,373 |
| Pretax return on assets | 1.3243% | 1,628 |
| Return on Equity (ROE) | 3.7522% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.7522% | 2,568 |
| Net charge-offs to loans | 0.4643% | 3,923 |
| Credit loss provision to net charge-offs | 132.7065% | 3,772 |
| Earnings coverage of net charge-offs (x) | 4.6746% | 2,856 |
| Efficiency ratio | 66.5653% | 5,276 |
| Assets per employee ($millions) | 3.0258% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,742 |
| Loan loss allowance to noncurrent loans | 94.4444% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1760% | 4,748 |
| Noncurrent loans to loans | 1.3796% | 4,616 |
| Net loans and leases to total assets | 82.6378% | 588 |
| Net loans and leases to deposits | 111.9786% | 317 |
| Net loans and leases to core deposits | 128.6459% | 1,355 |
| Total domestic deposits to total assets | 73.7979% | 7,046 |
| Equity capital to assets | 22.8930% | 206 |
| Core capital (leverage) ratio | 24.9812% | 155 |
| Tier 1 risk-based capital ratio | 35.5052% | 331 |
| Total risk-based capital ratio | 36.7642% | 329 |
| Memoranda: | ||
| Average total assets | $309,149,800 | 2,166 |
| Average earning assets | $287,129,800 | 2,144 |
| Average equity | $71,025,800 | 920 |
| Average total loans | $263,421,400 | 1,808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3608% | 1,002 |
| Cost of funding earning assets | 1.1984% | 6,892 |
| Net interest margin | 5.1624% | 319 |
| Noninterest income to average assets | 0.7450% | 2,734 |
| Noninterest expense to average assets | 3.7969% | 1,593 |
| Loan and lease loss provision to assets | 0.2714% | 4,797 |
| Net operating income to assets | 0.9615% | 2,189 |
| Return on assets (ROA) | 0.9615% | 2,252 |
| Pretax return on assets | 1.4780% | 1,481 |
| Return on Equity (ROE) | 4.1815% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.1815% | 2,941 |
| Net charge-offs to loans | 0.3171% | 4,057 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 6.4459% | 2,608 |
| Efficiency ratio | 68.4588% | 4,887 |
| Assets per employee ($millions) | 2.8967% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,501 |
| Loan loss allowance to noncurrent loans | 81.8107% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 4,665 |
| Noncurrent loans to loans | 1.3888% | 4,591 |
| Net loans and leases to total assets | 84.2226% | 512 |
| Net loans and leases to deposits | 114.7725% | 296 |
| Net loans and leases to core deposits | 132.7857% | 1,286 |
| Total domestic deposits to total assets | 73.3822% | 7,036 |
| Equity capital to assets | 22.9029% | 214 |
| Core capital (leverage) ratio | 24.9930% | 170 |
| Tier 1 risk-based capital ratio | 34.9414% | 385 |
| Total risk-based capital ratio | 36.1938% | 382 |
| Memoranda: | ||
| Average total assets | $308,523,750 | 2,184 |
| Average earning assets | $286,939,750 | 2,158 |
| Average equity | $70,945,500 | 938 |
| Average total loans | $264,040,750 | 1,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4172% | 971 |
| Cost of funding earning assets | 1.2439% | 6,980 |
| Net interest margin | 5.1733% | 311 |
| Noninterest income to average assets | 0.7791% | 2,525 |
| Noninterest expense to average assets | 3.8591% | 1,560 |
| Loan and lease loss provision to assets | 0.3103% | 4,087 |
| Net operating income to assets | 0.9213% | 2,376 |
| Return on assets (ROA) | 0.9213% | 2,471 |
| Pretax return on assets | 1.4160% | 1,680 |
| Return on Equity (ROE) | 4.0010% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.0010% | 3,059 |
| Net charge-offs to loans | 0.3621% | 3,374 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 5.5628% | 2,808 |
| Efficiency ratio | 69.0922% | 4,961 |
| Assets per employee ($millions) | 2.9508% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,287 |
| Loan loss allowance to noncurrent loans | 74.7943% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 4,292 |
| Noncurrent loans to loans | 1.5332% | 4,196 |
| Net loans and leases to total assets | 84.2696% | 594 |
| Net loans and leases to deposits | 114.6509% | 372 |
| Net loans and leases to core deposits | 133.4582% | 1,345 |
| Total domestic deposits to total assets | 73.5011% | 7,037 |
| Equity capital to assets | 22.8751% | 254 |
| Core capital (leverage) ratio | 24.7824% | 214 |
| Tier 1 risk-based capital ratio | 34.8856% | 423 |
| Total risk-based capital ratio | 36.1378% | 415 |
| Memoranda: | ||
| Average total assets | $308,050,670 | 2,211 |
| Average earning assets | $286,201,670 | 2,188 |
| Average equity | $70,932,000 | 946 |
| Average total loans | $264,040,330 | 1,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4647% | 925 |
| Cost of funding earning assets | 1.2932% | 7,031 |
| Net interest margin | 5.1714% | 295 |
| Noninterest income to average assets | 0.8152% | 2,255 |
| Noninterest expense to average assets | 3.7170% | 1,618 |
| Loan and lease loss provision to assets | 0.4562% | 2,645 |
| Net operating income to assets | 0.9228% | 2,605 |
| Return on assets (ROA) | 0.9228% | 2,743 |
| Pretax return on assets | 1.4360% | 1,862 |
| Return on Equity (ROE) | 3.9945% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.9945% | 3,678 |
| Net charge-offs to loans | 0.5308% | 2,125 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 4.1477% | 2,964 |
| Efficiency ratio | 66.2662% | 5,279 |
| Assets per employee ($millions) | 2.9431% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,174 |
| Loan loss allowance to noncurrent loans | 80.9935% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 4,157 |
| Noncurrent loans to loans | 1.4105% | 4,194 |
| Net loans and leases to total assets | 84.0093% | 687 |
| Net loans and leases to deposits | 113.4367% | 466 |
| Net loans and leases to core deposits | 132.2464% | 1,518 |
| Total domestic deposits to total assets | 74.0583% | 6,884 |
| Equity capital to assets | 22.4866% | 293 |
| Core capital (leverage) ratio | 24.2970% | 249 |
| Tier 1 risk-based capital ratio | 34.6379% | 452 |
| Total risk-based capital ratio | 35.8901% | 434 |
| Memoranda: | ||
| Average total assets | $308,634,000 | 2,222 |
| Average earning assets | $286,109,500 | 2,206 |
| Average equity | $71,298,000 | 944 |
| Average total loans | $265,255,500 | 1,870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0195% | 1,084 |
| Cost of funding earning assets | 1.7716% | 7,083 |
| Net interest margin | 5.2479% | 309 |
| Noninterest income to average assets | 0.7939% | 2,552 |
| Noninterest expense to average assets | 3.6078% | 2,124 |
| Loan and lease loss provision to assets | 0.4527% | 3,025 |
| Net operating income to assets | 1.0349% | 2,418 |
| Return on assets (ROA) | 1.0349% | 2,309 |
| Pretax return on assets | 1.5866% | 1,427 |
| Return on Equity (ROE) | 4.4238% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.4238% | 2,373 |
| Net charge-offs to loans | 0.4185% | 2,728 |
| Credit loss provision to net charge-offs | 126.0036% | 4,238 |
| Earnings coverage of net charge-offs (x) | 5.6761% | 3,567 |
| Efficiency ratio | 63.8881% | 5,584 |
| Assets per employee ($millions) | 2.8808% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,137 |
| Loan loss allowance to noncurrent loans | 82.3271% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 3,833 |
| Noncurrent loans to loans | 1.3602% | 3,800 |
| Net loans and leases to total assets | 85.9391% | 613 |
| Net loans and leases to deposits | 117.4872% | 459 |
| Net loans and leases to core deposits | 136.4925% | 1,463 |
| Total domestic deposits to total assets | 73.1476% | 6,803 |
| Equity capital to assets | 23.7172% | 297 |
| Core capital (leverage) ratio | 24.2110% | 278 |
| Tier 1 risk-based capital ratio | 33.4863% | 494 |
| Total risk-based capital ratio | 34.7381% | 485 |
| Memoranda: | ||
| Average total assets | $305,058,000 | 2,178 |
| Average earning assets | $282,115,200 | 2,162 |
| Average equity | $71,363,200 | 931 |
| Average total loans | $261,880,600 | 1,819 |