Home > Fulton Savings Bank > Performance and Condition Ratios
Fulton 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 | 4.2134% | 3,601 |
| Cost of funding earning assets | 0.4723% | 4,226 |
| Net interest margin | 3.7411% | 1,669 |
| Noninterest income to average assets | 1.6500% | 340 |
| Noninterest expense to average assets | 2.9551% | 1,182 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.6611% | 779 |
| Return on assets (ROA) | 1.5875% | 848 |
| Pretax return on assets | 1.8416% | 841 |
| Return on Equity (ROE) | 6.9100% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.9077% | 1,919 |
| Net charge-offs to loans | 0.0248% | 1,821 |
| Credit loss provision to net charge-offs | 114.2857% | 1,721 |
| Earnings coverage of net charge-offs (x) | 161.0893% | 680 |
| Efficiency ratio | 60.3560% | 3,034 |
| Assets per employee ($millions) | 6.1447% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3990% | 4,388 |
| Loan loss allowance to noncurrent loans | 35.4103% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 976 |
| Noncurrent loans to loans | 1.1268% | 638 |
| Net loans and leases to total assets | 50.4800% | 3,570 |
| Net loans and leases to deposits | 78.4835% | 2,226 |
| Net loans and leases to core deposits | 79.0672% | 2,765 |
| Total domestic deposits to total assets | 64.3200% | 4,399 |
| Equity capital to assets | 24.4372% | 203 |
| Core capital (leverage) ratio | 29.4814% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1841% | 138 |
| Memoranda: | ||
| Average total assets | $464,759,800 | 1,813 |
| Average earning assets | $402,932,000 | 1,897 |
| Average equity | $106,808,600 | 905 |
| Average total loans | $225,444,600 | 2,130 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,540 |
| Cost of funding earning assets | 0.4519% | 4,198 |
| Net interest margin | 3.7070% | 1,763 |
| Noninterest income to average assets | 1.3000% | 459 |
| Noninterest expense to average assets | 2.7912% | 1,451 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5021% | 1,122 |
| Return on assets (ROA) | 1.5253% | 1,059 |
| Pretax return on assets | 1.7300% | 1,116 |
| Return on Equity (ROE) | 6.7400% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.7427% | 2,381 |
| Net charge-offs to loans | 0.0191% | 1,747 |
| Credit loss provision to net charge-offs | 171.8750% | 1,224 |
| Earnings coverage of net charge-offs (x) | 187.6875% | 628 |
| Efficiency ratio | 61.8812% | 2,733 |
| Assets per employee ($millions) | 6.5418% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4146% | 4,400 |
| Loan loss allowance to noncurrent loans | 54.4253% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 1,517 |
| Noncurrent loans to loans | 0.7618% | 1,091 |
| Net loans and leases to total assets | 49.6700% | 3,638 |
| Net loans and leases to deposits | 75.1650% | 2,482 |
| Net loans and leases to core deposits | 76.1779% | 2,852 |
| Total domestic deposits to total assets | 66.0900% | 4,405 |
| Equity capital to assets | 22.6217% | 221 |
| Core capital (leverage) ratio | 28.4702% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6468% | 104 |
| Memoranda: | ||
| Average total assets | $465,737,250 | 1,808 |
| Average earning assets | $403,627,750 | 1,898 |
| Average equity | $105,356,000 | 908 |
| Average total loans | $223,410,750 | 2,140 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,504 |
| Cost of funding earning assets | 0.4592% | 4,060 |
| Net interest margin | 3.6349% | 1,960 |
| Noninterest income to average assets | 1.2900% | 401 |
| Noninterest expense to average assets | 2.8876% | 1,235 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4857% | 1,132 |
| Return on assets (ROA) | 1.4959% | 1,107 |
| Pretax return on assets | 1.5591% | 1,479 |
| Return on Equity (ROE) | 6.6100% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.6129% | 2,416 |
| Net charge-offs to loans | 0.0081% | 1,909 |
| Credit loss provision to net charge-offs | 533.3333% | 628 |
| Earnings coverage of net charge-offs (x) | 408.2222% | 355 |
| Efficiency ratio | 64.7949% | 2,400 |
| Assets per employee ($millions) | 6.1211% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 4,424 |
| Loan loss allowance to noncurrent loans | 66.6436% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 1,677 |
| Noncurrent loans to loans | 0.6497% | 1,151 |
| Net loans and leases to total assets | 47.6000% | 3,710 |
| Net loans and leases to deposits | 70.3709% | 2,755 |
| Net loans and leases to core deposits | 71.3028% | 3,048 |
| Total domestic deposits to total assets | 67.6500% | 4,416 |
| Equity capital to assets | 23.1551% | 211 |
| Core capital (leverage) ratio | 27.8633% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.4200% | 98 |
| Memoranda: | ||
| Average total assets | $468,341,667 | 1,799 |
| Average earning assets | $407,663,333 | 1,884 |
| Average equity | $105,944,667 | 896 |
| Average total loans | $221,743,667 | 2,145 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,379 |
| Cost of funding earning assets | 0.5037% | 3,674 |
| Net interest margin | 3.5330% | 2,278 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 3.0517% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1766% | 2,002 |
| Return on assets (ROA) | 1.1781% | 1,956 |
| Pretax return on assets | 1.3041% | 2,159 |
| Return on Equity (ROE) | 5.2700% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.2695% | 2,959 |
| Net charge-offs to loans | 0.0163% | 1,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 564 |
| Efficiency ratio | 70.0880% | 1,739 |
| Assets per employee ($millions) | 6.5562% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4128% | 4,491 |
| Loan loss allowance to noncurrent loans | 62.6111% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 1,597 |
| Noncurrent loans to loans | 0.6593% | 1,143 |
| Net loans and leases to total assets | 47.4700% | 3,668 |
| Net loans and leases to deposits | 69.8264% | 2,625 |
| Net loans and leases to core deposits | 70.9770% | 2,882 |
| Total domestic deposits to total assets | 67.9900% | 4,461 |
| Equity capital to assets | 22.9687% | 177 |
| Core capital (leverage) ratio | 27.1179% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.4105% | 102 |
| Memoranda: | ||
| Average total assets | $469,909,500 | 1,817 |
| Average earning assets | $409,732,000 | 1,902 |
| Average equity | $105,057,500 | 913 |
| Average total loans | $221,404,000 | 2,163 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 3,051 |
| Cost of funding earning assets | 0.2052% | 3,710 |
| Net interest margin | 3.3037% | 2,557 |
| Noninterest income to average assets | -0.0600% | 4,696 |
| Noninterest expense to average assets | 2.1450% | 3,174 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.4788% | 4,113 |
| Return on assets (ROA) | 0.5072% | 4,039 |
| Pretax return on assets | 0.6159% | 4,005 |
| Return on Equity (ROE) | 2.0900% | 4,379 |
| Retained earnings to average equity (ytd only) | 2.0938% | 3,953 |
| Net charge-offs to loans | 0.0762% | 885 |
| Credit loss provision to net charge-offs | 179.8658% | 1,186 |
| Earnings coverage of net charge-offs (x) | 19.6309% | 1,905 |
| Efficiency ratio | 77.0192% | 920 |
| Assets per employee ($millions) | 6.7003% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3540% | 4,524 |
| Loan loss allowance to noncurrent loans | 36.4060% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 1,128 |
| Noncurrent loans to loans | 0.9723% | 758 |
| Net loans and leases to total assets | 46.2700% | 3,785 |
| Net loans and leases to deposits | 69.0261% | 2,666 |
| Net loans and leases to core deposits | 70.0314% | 2,867 |
| Total domestic deposits to total assets | 67.0400% | 4,518 |
| Equity capital to assets | 22.3816% | 182 |
| Core capital (leverage) ratio | 26.4957% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5981% | 106 |
| Memoranda: | ||
| Average total assets | $457,022,200 | 1,838 |
| Average earning assets | $393,798,800 | 1,934 |
| Average equity | $110,709,800 | 876 |
| Average total loans | $195,555,000 | 2,271 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3268% | 3,111 |
| Cost of funding earning assets | 0.0717% | 4,471 |
| Net interest margin | 3.2551% | 2,439 |
| Noninterest income to average assets | -0.6200% | 4,746 |
| Noninterest expense to average assets | 2.2463% | 2,800 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.1819% | 4,642 |
| Return on assets (ROA) | -0.1362% | 4,610 |
| Pretax return on assets | -0.0760% | 4,590 |
| Return on Equity (ROE) | -0.5500% | 4,575 |
| Retained earnings to average equity (ytd only) | -0.5511% | 4,393 |
| Net charge-offs to loans | 0.0902% | 681 |
| Credit loss provision to net charge-offs | 148.4375% | 1,133 |
| Earnings coverage of net charge-offs (x) | -1.7422% | 4,720 |
| Efficiency ratio | 103.0143% | 136 |
| Assets per employee ($millions) | 6.3342% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3468% | 4,565 |
| Loan loss allowance to noncurrent loans | 50.4530% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 1,700 |
| Noncurrent loans to loans | 0.6873% | 1,188 |
| Net loans and leases to total assets | 45.0000% | 3,819 |
| Net loans and leases to deposits | 64.3767% | 2,838 |
| Net loans and leases to core deposits | 65.1647% | 3,011 |
| Total domestic deposits to total assets | 69.8900% | 4,539 |
| Equity capital to assets | 21.8263% | 181 |
| Core capital (leverage) ratio | 27.6982% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.1490% | 109 |
| Memoranda: | ||
| Average total assets | $452,347,250 | 1,859 |
| Average earning assets | $388,832,000 | 1,965 |
| Average equity | $111,768,750 | 890 |
| Average total loans | $189,215,500 | 2,322 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2749% | 2,813 |
| Cost of funding earning assets | 0.0615% | 4,518 |
| Net interest margin | 3.2135% | 2,142 |
| Noninterest income to average assets | -1.0419% | 4,768 |
| Noninterest expense to average assets | 2.2174% | 2,794 |
| Loan and lease loss provision to assets | 0.0575% | 1,556 |
| Net operating income to assets | -0.3127% | 4,657 |
| Return on assets (ROA) | -0.2891% | 4,630 |
| Pretax return on assets | -0.5154% | 4,656 |
| Return on Equity (ROE) | -1.1249% | 4,593 |
| Retained earnings to average equity (ytd only) | -1.1249% | 4,305 |
| Net charge-offs to loans | 0.1040% | 574 |
| Credit loss provision to net charge-offs | 135.7895% | 1,134 |
| Earnings coverage of net charge-offs (x) | -11.5263% | 2,133 |
| Efficiency ratio | 128.1998% | 63 |
| Assets per employee ($millions) | 6.5303% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3672% | 4,628 |
| Loan loss allowance to noncurrent loans | 48.0000% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 1,690 |
| Noncurrent loans to loans | 0.7650% | 1,124 |
| Net loans and leases to total assets | 42.5291% | 3,938 |
| Net loans and leases to deposits | 57.8090% | 3,241 |
| Net loans and leases to core deposits | 58.4559% | 3,392 |
| Total domestic deposits to total assets | 73.5683% | 4,548 |
| Equity capital to assets | 24.1191% | 103 |
| Core capital (leverage) ratio | 27.1867% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.7820% | 63 |
| Memoranda: | ||
| Average total assets | $448,997,333 | 1,876 |
| Average earning assets | $387,243,667 | 1,991 |
| Average equity | $115,383,667 | 865 |
| Average total loans | $182,693,000 | 2,367 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1958% | 2,705 |
| Cost of funding earning assets | 0.0573% | 4,548 |
| Net interest margin | 3.1385% | 2,058 |
| Noninterest income to average assets | -0.2667% | 4,786 |
| Noninterest expense to average assets | 2.0157% | 3,392 |
| Loan and lease loss provision to assets | 0.0177% | 2,039 |
| Net operating income to assets | 0.4749% | 3,772 |
| Return on assets (ROA) | 0.4820% | 3,723 |
| Pretax return on assets | 0.4262% | 3,992 |
| Return on Equity (ROE) | 1.8206% | 4,281 |
| Retained earnings to average equity (ytd only) | 1.8206% | 3,589 |
| Net charge-offs to loans | 0.0379% | 905 |
| Credit loss provision to net charge-offs | 117.6471% | 940 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,148 |
| Efficiency ratio | 82.1893% | 971 |
| Assets per employee ($millions) | 6.2064% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3699% | 4,658 |
| Loan loss allowance to noncurrent loans | 54.9133% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 2,051 |
| Noncurrent loans to loans | 0.6735% | 1,411 |
| Net loans and leases to total assets | 40.0870% | 4,008 |
| Net loans and leases to deposits | 55.8393% | 3,282 |
| Net loans and leases to core deposits | 56.3329% | 3,419 |
| Total domestic deposits to total assets | 71.7900% | 4,634 |
| Equity capital to assets | 25.7379% | 85 |
| Core capital (leverage) ratio | 27.2054% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5547% | 60 |
| Memoranda: | ||
| Average total assets | $451,467,000 | 1,878 |
| Average earning assets | $391,140,000 | 1,985 |
| Average equity | $119,524,000 | 865 |
| Average total loans | $179,264,500 | 2,385 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2420% | 3,367 |
| Cost of funding earning assets | 0.0573% | 4,656 |
| Net interest margin | 3.1848% | 2,642 |
| Noninterest income to average assets | 1.7295% | 384 |
| Noninterest expense to average assets | 2.5579% | 2,000 |
| Loan and lease loss provision to assets | 0.0054% | 2,971 |
| Net operating income to assets | 1.6586% | 693 |
| Return on assets (ROA) | 1.7419% | 599 |
| Pretax return on assets | 2.0842% | 511 |
| Return on Equity (ROE) | 6.4529% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.4529% | 2,155 |
| Net charge-offs to loans | 0.0341% | 1,551 |
| Credit loss provision to net charge-offs | 40.0000% | 2,198 |
| Earnings coverage of net charge-offs (x) | 147.3000% | 668 |
| Efficiency ratio | 56.2367% | 3,680 |
| Assets per employee ($millions) | 6.4851% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3710% | 4,698 |
| Loan loss allowance to noncurrent loans | 52.1637% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 2,142 |
| Noncurrent loans to loans | 0.7111% | 1,429 |
| Net loans and leases to total assets | 39.2255% | 4,136 |
| Net loans and leases to deposits | 56.2741% | 3,396 |
| Net loans and leases to core deposits | 56.8594% | 3,559 |
| Total domestic deposits to total assets | 69.7044% | 4,691 |
| Equity capital to assets | 27.0464% | 76 |
| Core capital (leverage) ratio | 27.1726% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.3838% | 61 |
| Memoranda: | ||
| Average total assets | $444,003,000 | 1,854 |
| Average earning assets | $392,994,400 | 1,928 |
| Average equity | $119,853,200 | 864 |
| Average total loans | $175,960,200 | 2,416 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 3,538 |
| Cost of funding earning assets | 0.0575% | 4,743 |
| Net interest margin | 3.1776% | 2,802 |
| Noninterest income to average assets | 1.6156% | 478 |
| Noninterest expense to average assets | 2.4742% | 2,197 |
| Loan and lease loss provision to assets | 0.0129% | 2,736 |
| Net operating income to assets | 1.6321% | 952 |
| Return on assets (ROA) | 1.7219% | 821 |
| Pretax return on assets | 2.0580% | 722 |
| Return on Equity (ROE) | 6.3822% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.3822% | 2,660 |
| Net charge-offs to loans | 0.0320% | 1,423 |
| Credit loss provision to net charge-offs | 102.3810% | 1,560 |
| Earnings coverage of net charge-offs (x) | 154.8571% | 665 |
| Efficiency ratio | 55.7461% | 3,557 |
| Assets per employee ($millions) | 6.1420% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3936% | 4,769 |
| Loan loss allowance to noncurrent loans | 63.1769% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 2,545 |
| Noncurrent loans to loans | 0.6230% | 1,751 |
| Net loans and leases to total assets | 39.5090% | 4,234 |
| Net loans and leases to deposits | 56.6480% | 3,523 |
| Net loans and leases to core deposits | 57.2438% | 3,680 |
| Total domestic deposits to total assets | 69.7448% | 4,736 |
| Equity capital to assets | 26.8602% | 81 |
| Core capital (leverage) ratio | 26.4420% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9634% | 66 |
| Memoranda: | ||
| Average total assets | $441,512,500 | 1,882 |
| Average earning assets | $392,194,750 | 1,946 |
| Average equity | $119,119,750 | 879 |
| Average total loans | $175,267,750 | 2,460 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 3,591 |
| Cost of funding earning assets | 0.0571% | 4,794 |
| Net interest margin | 3.1822% | 2,805 |
| Noninterest income to average assets | 2.0454% | 315 |
| Noninterest expense to average assets | 2.3664% | 2,562 |
| Loan and lease loss provision to assets | 0.0118% | 2,705 |
| Net operating income to assets | 2.0397% | 456 |
| Return on assets (ROA) | 2.1492% | 388 |
| Pretax return on assets | 2.6469% | 281 |
| Return on Equity (ROE) | 7.9540% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.9540% | 2,092 |
| Net charge-offs to loans | 0.0264% | 1,422 |
| Credit loss provision to net charge-offs | 113.0435% | 1,292 |
| Earnings coverage of net charge-offs (x) | 240.9565% | 446 |
| Efficiency ratio | 48.3937% | 4,359 |
| Assets per employee ($millions) | 6.2990% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 4,793 |
| Loan loss allowance to noncurrent loans | 66.0395% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,758 |
| Noncurrent loans to loans | 0.6103% | 1,877 |
| Net loans and leases to total assets | 38.2493% | 4,378 |
| Net loans and leases to deposits | 54.6470% | 3,816 |
| Net loans and leases to core deposits | 55.1328% | 3,958 |
| Total domestic deposits to total assets | 69.9934% | 4,758 |
| Equity capital to assets | 26.6256% | 82 |
| Core capital (leverage) ratio | 26.7413% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.3323% | 66 |
| Memoranda: | ||
| Average total assets | $439,228,000 | 1,884 |
| Average earning assets | $392,627,000 | 1,947 |
| Average equity | $118,682,333 | 875 |
| Average total loans | $174,408,667 | 2,477 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 3,200 |
| Cost of funding earning assets | 0.0563% | 4,838 |
| Net interest margin | 3.3410% | 2,274 |
| Noninterest income to average assets | 1.9784% | 383 |
| Noninterest expense to average assets | 1.9922% | 3,743 |
| Loan and lease loss provision to assets | -0.0028% | 4,554 |
| Net operating income to assets | 2.4105% | 309 |
| Return on assets (ROA) | 2.6245% | 241 |
| Pretax return on assets | 3.2772% | 177 |
| Return on Equity (ROE) | 9.6391% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.6391% | 1,757 |
| Net charge-offs to loans | 0.0275% | 1,217 |
| Credit loss provision to net charge-offs | -25.0000% | 2,716 |
| Earnings coverage of net charge-offs (x) | 270.6667% | 323 |
| Efficiency ratio | 39.8519% | 4,745 |
| Assets per employee ($millions) | 6.4638% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3910% | 4,833 |
| Loan loss allowance to noncurrent loans | 54.5455% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 2,720 |
| Noncurrent loans to loans | 0.7167% | 1,809 |
| Net loans and leases to total assets | 39.6490% | 4,360 |
| Net loans and leases to deposits | 56.6550% | 3,742 |
| Net loans and leases to core deposits | 57.1061% | 3,901 |
| Total domestic deposits to total assets | 69.9832% | 4,769 |
| Equity capital to assets | 26.8203% | 76 |
| Core capital (leverage) ratio | 27.6226% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.5138% | 66 |
| Memoranda: | ||
| Average total assets | $432,077,000 | 1,891 |
| Average earning assets | $390,658,500 | 1,934 |
| Average equity | $117,646,000 | 878 |
| Average total loans | $174,526,000 | 2,478 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,020 |
| Cost of funding earning assets | 0.0882% | 4,891 |
| Net interest margin | 3.4187% | 2,713 |
| Noninterest income to average assets | 1.3568% | 633 |
| Noninterest expense to average assets | 3.3689% | 828 |
| Loan and lease loss provision to assets | 0.1127% | 2,937 |
| Net operating income to assets | 0.9663% | 2,413 |
| Return on assets (ROA) | 0.9442% | 2,655 |
| Pretax return on assets | 1.0310% | 2,940 |
| Return on Equity (ROE) | 3.3417% | 4,296 |
| Retained earnings to average equity (ytd only) | 3.3417% | 3,154 |
| Net charge-offs to loans | 0.0778% | 1,697 |
| Credit loss provision to net charge-offs | 358.7302% | 1,557 |
| Earnings coverage of net charge-offs (x) | 37.1587% | 1,444 |
| Efficiency ratio | 74.2606% | 1,410 |
| Assets per employee ($millions) | 5.9790% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4015% | 4,855 |
| Loan loss allowance to noncurrent loans | 36.0867% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,205 |
| Noncurrent loans to loans | 1.1126% | 1,278 |
| Net loans and leases to total assets | 40.8462% | 4,406 |
| Net loans and leases to deposits | 59.3531% | 3,807 |
| Net loans and leases to core deposits | 59.8326% | 3,954 |
| Total domestic deposits to total assets | 68.8190% | 4,796 |
| Equity capital to assets | 27.7483% | 76 |
| Core capital (leverage) ratio | 27.8508% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2850% | 65 |
| Memoranda: | ||
| Average total assets | $400,957,800 | 1,863 |
| Average earning assets | $372,946,200 | 1,862 |
| Average equity | $113,294,200 | 868 |
| Average total loans | $161,951,600 | 2,556 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,142 |
| Cost of funding earning assets | 0.0992% | 4,920 |
| Net interest margin | 3.4385% | 2,786 |
| Noninterest income to average assets | 0.7573% | 1,630 |
| Noninterest expense to average assets | 3.3570% | 839 |
| Loan and lease loss provision to assets | 0.0190% | 4,094 |
| Net operating income to assets | 0.4995% | 4,038 |
| Return on assets (ROA) | 0.4613% | 4,210 |
| Pretax return on assets | 0.5322% | 4,221 |
| Return on Equity (ROE) | 1.6249% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.6249% | 4,047 |
| Net charge-offs to loans | 0.0814% | 1,490 |
| Credit loss provision to net charge-offs | 57.7320% | 2,862 |
| Earnings coverage of net charge-offs (x) | 18.1753% | 1,970 |
| Efficiency ratio | 84.9445% | 561 |
| Assets per employee ($millions) | 5.5100% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1980% | 4,965 |
| Loan loss allowance to noncurrent loans | 13.9789% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 1,968 |
| Noncurrent loans to loans | 1.4165% | 1,020 |
| Net loans and leases to total assets | 40.4939% | 4,549 |
| Net loans and leases to deposits | 59.3977% | 4,097 |
| Net loans and leases to core deposits | 59.8948% | 4,210 |
| Total domestic deposits to total assets | 68.1742% | 4,807 |
| Equity capital to assets | 27.8840% | 71 |
| Core capital (leverage) ratio | 27.3436% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.6459% | 69 |
| Memoranda: | ||
| Average total assets | $395,070,000 | 1,860 |
| Average earning assets | $367,048,000 | 1,857 |
| Average equity | $112,169,250 | 870 |
| Average total loans | $158,915,750 | 2,580 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 4,242 |
| Cost of funding earning assets | 0.1157% | 4,945 |
| Net interest margin | 3.4965% | 2,796 |
| Noninterest income to average assets | -0.1712% | 5,043 |
| Noninterest expense to average assets | 3.7989% | 502 |
| Loan and lease loss provision to assets | 0.0072% | 4,099 |
| Net operating income to assets | -0.3066% | 4,879 |
| Return on assets (ROA) | -0.3635% | 4,893 |
| Pretax return on assets | -0.8010% | 4,933 |
| Return on Equity (ROE) | -1.2722% | 4,855 |
| Retained earnings to average equity (ytd only) | -1.2722% | 4,514 |
| Net charge-offs to loans | 0.0833% | 1,414 |
| Credit loss provision to net charge-offs | 21.5385% | 2,727 |
| Earnings coverage of net charge-offs (x) | -21.6000% | 3,002 |
| Efficiency ratio | 123.4586% | 79 |
| Assets per employee ($millions) | 5.6558% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1919% | 4,995 |
| Loan loss allowance to noncurrent loans | 13.2401% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,017 |
| Noncurrent loans to loans | 1.4494% | 1,054 |
| Net loans and leases to total assets | 41.1266% | 4,562 |
| Net loans and leases to deposits | 59.9931% | 4,123 |
| Net loans and leases to core deposits | 60.4994% | 4,235 |
| Total domestic deposits to total assets | 68.5522% | 4,831 |
| Equity capital to assets | 27.7333% | 75 |
| Core capital (leverage) ratio | 27.9189% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9219% | 67 |
| Memoranda: | ||
| Average total assets | $389,011,000 | 1,851 |
| Average earning assets | $361,385,667 | 1,851 |
| Average equity | $111,149,000 | 868 |
| Average total loans | $155,997,000 | 2,603 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,490 |
| Cost of funding earning assets | 0.1396% | 4,989 |
| Net interest margin | 3.9736% | 1,461 |
| Noninterest income to average assets | -4.3776% | 5,116 |
| Noninterest expense to average assets | 4.6460% | 269 |
| Loan and lease loss provision to assets | 0.0074% | 3,664 |
| Net operating income to assets | -3.6490% | 5,083 |
| Return on assets (ROA) | -3.4145% | 5,072 |
| Pretax return on assets | -5.0502% | 5,085 |
| Return on Equity (ROE) | -11.7226% | 5,013 |
| Retained earnings to average equity (ytd only) | -11.7226% | 4,821 |
| Net charge-offs to loans | 0.0933% | 1,132 |
| Credit loss provision to net charge-offs | 20.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -144.9429% | 2,575 |
| Efficiency ratio | -669.8027% | 5,110 |
| Assets per employee ($millions) | 5.1334% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2229% | 5,029 |
| Loan loss allowance to noncurrent loans | 15.3301% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 2,216 |
| Noncurrent loans to loans | 1.4543% | 1,098 |
| Net loans and leases to total assets | 40.7636% | 4,636 |
| Net loans and leases to deposits | 62.5024% | 4,074 |
| Net loans and leases to core deposits | 63.0968% | 4,226 |
| Total domestic deposits to total assets | 65.2192% | 4,975 |
| Equity capital to assets | 28.9156% | 75 |
| Core capital (leverage) ratio | 28.3858% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2698% | 66 |
| Memoranda: | ||
| Average total assets | $380,028,000 | 1,845 |
| Average earning assets | $352,324,500 | 1,842 |
| Average equity | $110,692,500 | 864 |
| Average total loans | $150,097,000 | 2,640 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 4,313 |
| Cost of funding earning assets | 0.1625% | 5,027 |
| Net interest margin | 3.8114% | 2,466 |
| Noninterest income to average assets | 1.9571% | 270 |
| Noninterest expense to average assets | 3.7957% | 675 |
| Loan and lease loss provision to assets | 0.0085% | 3,839 |
| Net operating income to assets | 1.4251% | 1,259 |
| Return on assets (ROA) | 1.7147% | 682 |
| Pretax return on assets | 2.0728% | 509 |
| Return on Equity (ROE) | 6.0960% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.0960% | 1,819 |
| Net charge-offs to loans | 0.0903% | 1,832 |
| Credit loss provision to net charge-offs | 25.8065% | 3,298 |
| Earnings coverage of net charge-offs (x) | 52.6613% | 1,086 |
| Efficiency ratio | 68.6615% | 2,359 |
| Assets per employee ($millions) | 5.1256% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 5,068 |
| Loan loss allowance to noncurrent loans | 14.2041% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 1,872 |
| Noncurrent loans to loans | 1.8110% | 741 |
| Net loans and leases to total assets | 38.1302% | 4,793 |
| Net loans and leases to deposits | 58.4489% | 4,358 |
| Net loans and leases to core deposits | 59.1404% | 4,478 |
| Total domestic deposits to total assets | 65.2368% | 5,033 |
| Equity capital to assets | 28.9930% | 80 |
| Core capital (leverage) ratio | 28.6435% | 78 |
| Tier 1 risk-based capital ratio | 56.8061% | 105 |
| Total risk-based capital ratio | 56.9984% | 106 |
| Memoranda: | ||
| Average total assets | $376,928,200 | 1,817 |
| Average earning assets | $353,150,800 | 1,803 |
| Average equity | $106,020,000 | 858 |
| Average total loans | $137,285,000 | 2,755 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,410 |
| Cost of funding earning assets | 0.1610% | 5,102 |
| Net interest margin | 3.8155% | 2,543 |
| Noninterest income to average assets | 1.8752% | 296 |
| Noninterest expense to average assets | 4.0186% | 518 |
| Loan and lease loss provision to assets | 0.0057% | 3,763 |
| Net operating income to assets | 1.2211% | 2,124 |
| Return on assets (ROA) | 1.5861% | 1,014 |
| Pretax return on assets | 1.8522% | 976 |
| Return on Equity (ROE) | 5.6832% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.6832% | 2,516 |
| Net charge-offs to loans | 0.0965% | 1,505 |
| Credit loss provision to net charge-offs | 16.3265% | 2,984 |
| Earnings coverage of net charge-offs (x) | 41.2868% | 1,347 |
| Efficiency ratio | 73.7085% | 1,615 |
| Assets per employee ($millions) | 4.9156% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2777% | 5,127 |
| Loan loss allowance to noncurrent loans | 17.0374% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,223 |
| Noncurrent loans to loans | 1.6298% | 907 |
| Net loans and leases to total assets | 36.3415% | 4,924 |
| Net loans and leases to deposits | 55.4864% | 4,569 |
| Net loans and leases to core deposits | 56.2606% | 4,678 |
| Total domestic deposits to total assets | 65.4963% | 5,106 |
| Equity capital to assets | 28.7301% | 81 |
| Core capital (leverage) ratio | 28.5846% | 77 |
| Tier 1 risk-based capital ratio | 57.0229% | 104 |
| Total risk-based capital ratio | 57.2248% | 107 |
| Memoranda: | ||
| Average total assets | $376,336,500 | 1,832 |
| Average earning assets | $352,800,000 | 1,821 |
| Average equity | $105,032,750 | 864 |
| Average total loans | $135,356,500 | 2,801 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 4,441 |
| Cost of funding earning assets | 0.1631% | 5,140 |
| Net interest margin | 3.8039% | 2,579 |
| Noninterest income to average assets | 2.0643% | 255 |
| Noninterest expense to average assets | 4.0403% | 508 |
| Loan and lease loss provision to assets | 0.0048% | 3,629 |
| Net operating income to assets | 1.2587% | 1,928 |
| Return on assets (ROA) | 1.7411% | 701 |
| Pretax return on assets | 2.1943% | 451 |
| Return on Equity (ROE) | 6.3008% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.3008% | 2,142 |
| Net charge-offs to loans | 0.1234% | 1,204 |
| Credit loss provision to net charge-offs | 10.8434% | 2,689 |
| Earnings coverage of net charge-offs (x) | 35.9398% | 1,312 |
| Efficiency ratio | 71.7813% | 1,949 |
| Assets per employee ($millions) | 5.0663% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2874% | 5,180 |
| Loan loss allowance to noncurrent loans | 21.8558% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 2,650 |
| Noncurrent loans to loans | 1.3150% | 1,194 |
| Net loans and leases to total assets | 35.7013% | 4,986 |
| Net loans and leases to deposits | 53.7869% | 4,687 |
| Net loans and leases to core deposits | 54.5344% | 4,764 |
| Total domestic deposits to total assets | 66.3754% | 5,141 |
| Equity capital to assets | 28.0468% | 87 |
| Core capital (leverage) ratio | 28.5672% | 78 |
| Tier 1 risk-based capital ratio | 56.6207% | 103 |
| Total risk-based capital ratio | 56.8276% | 109 |
| Memoranda: | ||
| Average total assets | $375,616,000 | 1,844 |
| Average earning assets | $351,957,000 | 1,828 |
| Average equity | $103,796,000 | 864 |
| Average total loans | $134,497,000 | 2,823 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9928% | 4,380 |
| Cost of funding earning assets | 0.1659% | 5,188 |
| Net interest margin | 3.8269% | 2,429 |
| Noninterest income to average assets | 2.4968% | 188 |
| Noninterest expense to average assets | 4.0585% | 494 |
| Loan and lease loss provision to assets | 0.0161% | 3,228 |
| Net operating income to assets | 1.5891% | 918 |
| Return on assets (ROA) | 2.3972% | 205 |
| Pretax return on assets | 3.0281% | 124 |
| Return on Equity (ROE) | 8.7415% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.7415% | 1,406 |
| Net charge-offs to loans | 0.1436% | 897 |
| Credit loss provision to net charge-offs | 31.2500% | 2,082 |
| Earnings coverage of net charge-offs (x) | 39.3125% | 1,165 |
| Efficiency ratio | 66.7548% | 2,828 |
| Assets per employee ($millions) | 4.8067% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3237% | 5,229 |
| Loan loss allowance to noncurrent loans | 20.1493% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 2,356 |
| Noncurrent loans to loans | 1.6065% | 985 |
| Net loans and leases to total assets | 35.4814% | 5,030 |
| Net loans and leases to deposits | 53.1574% | 4,706 |
| Net loans and leases to core deposits | 54.0136% | 4,785 |
| Total domestic deposits to total assets | 66.7478% | 5,201 |
| Equity capital to assets | 27.8004% | 83 |
| Core capital (leverage) ratio | 28.8959% | 76 |
| Tier 1 risk-based capital ratio | 55.9139% | 106 |
| Total risk-based capital ratio | 56.1419% | 107 |
| Memoranda: | ||
| Average total assets | $373,436,500 | 1,863 |
| Average earning assets | $349,628,000 | 1,853 |
| Average equity | $102,408,500 | 872 |
| Average total loans | $133,722,000 | 2,860 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 4,215 |
| Cost of funding earning assets | 0.1714% | 5,107 |
| Net interest margin | 3.7578% | 2,835 |
| Noninterest income to average assets | 0.6754% | 1,943 |
| Noninterest expense to average assets | 3.3988% | 1,153 |
| Loan and lease loss provision to assets | 0.0135% | 3,877 |
| Net operating income to assets | 0.7907% | 3,837 |
| Return on assets (ROA) | 0.8219% | 3,721 |
| Pretax return on assets | 0.7839% | 4,214 |
| Return on Equity (ROE) | 3.0386% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.0386% | 3,877 |
| Net charge-offs to loans | 0.1598% | 1,205 |
| Credit loss provision to net charge-offs | 24.0566% | 3,384 |
| Earnings coverage of net charge-offs (x) | 13.6887% | 2,431 |
| Efficiency ratio | 81.6038% | 833 |
| Assets per employee ($millions) | 4.7332% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3471% | 5,255 |
| Loan loss allowance to noncurrent loans | 23.2616% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,457 |
| Noncurrent loans to loans | 1.4920% | 1,022 |
| Net loans and leases to total assets | 35.7077% | 5,073 |
| Net loans and leases to deposits | 53.1864% | 4,777 |
| Net loans and leases to core deposits | 54.9030% | 4,816 |
| Total domestic deposits to total assets | 67.1370% | 5,228 |
| Equity capital to assets | 27.4321% | 86 |
| Core capital (leverage) ratio | 27.5363% | 83 |
| Tier 1 risk-based capital ratio | 54.5994% | 108 |
| Total risk-based capital ratio | 54.8442% | 115 |
| Memoranda: | ||
| Average total assets | $378,756,800 | 1,804 |
| Average earning assets | $351,719,600 | 1,802 |
| Average equity | $102,448,600 | 831 |
| Average total loans | $132,674,400 | 2,851 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 4,358 |
| Cost of funding earning assets | 0.1644% | 5,172 |
| Net interest margin | 3.6706% | 3,118 |
| Noninterest income to average assets | 1.1450% | 716 |
| Noninterest expense to average assets | 3.2300% | 1,457 |
| Loan and lease loss provision to assets | 0.0239% | 3,544 |
| Net operating income to assets | 1.1712% | 2,357 |
| Return on assets (ROA) | 1.2113% | 2,198 |
| Pretax return on assets | 1.3446% | 2,449 |
| Return on Equity (ROE) | 4.4939% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.4939% | 3,502 |
| Net charge-offs to loans | 0.1773% | 939 |
| Credit loss provision to net charge-offs | 38.6364% | 2,915 |
| Earnings coverage of net charge-offs (x) | 21.4376% | 1,922 |
| Efficiency ratio | 70.9277% | 2,048 |
| Assets per employee ($millions) | 4.5067% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3868% | 5,300 |
| Loan loss allowance to noncurrent loans | 23.2809% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 2,421 |
| Noncurrent loans to loans | 1.6615% | 940 |
| Net loans and leases to total assets | 35.2369% | 5,164 |
| Net loans and leases to deposits | 52.4679% | 4,873 |
| Net loans and leases to core deposits | 54.1396% | 4,908 |
| Total domestic deposits to total assets | 67.1590% | 5,303 |
| Equity capital to assets | 27.0954% | 91 |
| Core capital (leverage) ratio | 27.2360% | 88 |
| Tier 1 risk-based capital ratio | 55.6013% | 98 |
| Total risk-based capital ratio | 55.8782% | 106 |
| Memoranda: | ||
| Average total assets | $379,966,250 | 1,806 |
| Average earning assets | $352,883,250 | 1,803 |
| Average equity | $102,417,250 | 834 |
| Average total loans | $132,347,250 | 2,868 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,326 |
| Cost of funding earning assets | 0.1548% | 5,226 |
| Net interest margin | 3.6537% | 3,104 |
| Noninterest income to average assets | 0.9098% | 1,158 |
| Noninterest expense to average assets | 3.2719% | 1,383 |
| Loan and lease loss provision to assets | -0.0010% | 5,283 |
| Net operating income to assets | 1.0048% | 2,996 |
| Return on assets (ROA) | 1.0758% | 2,691 |
| Pretax return on assets | 1.0758% | 3,406 |
| Return on Equity (ROE) | 3.9322% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.9322% | 3,640 |
| Net charge-offs to loans | 0.1365% | 1,098 |
| Credit loss provision to net charge-offs | -2.2222% | 3,914 |
| Earnings coverage of net charge-offs (x) | 21.3556% | 1,777 |
| Efficiency ratio | 76.5238% | 1,364 |
| Assets per employee ($millions) | 4.8358% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 5,353 |
| Loan loss allowance to noncurrent loans | 21.9212% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 2,285 |
| Noncurrent loans to loans | 1.8384% | 848 |
| Net loans and leases to total assets | 34.1136% | 5,235 |
| Net loans and leases to deposits | 50.7723% | 4,955 |
| Net loans and leases to core deposits | 52.3567% | 4,980 |
| Total domestic deposits to total assets | 67.1894% | 5,359 |
| Equity capital to assets | 27.1409% | 90 |
| Core capital (leverage) ratio | 27.7531% | 85 |
| Tier 1 risk-based capital ratio | 57.0889% | 97 |
| Total risk-based capital ratio | 57.3747% | 100 |
| Memoranda: | ||
| Average total assets | $382,958,000 | 1,804 |
| Average earning assets | $352,791,670 | 1,811 |
| Average equity | $104,777,000 | 814 |
| Average total loans | $131,825,330 | 2,891 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,319 |
| Cost of funding earning assets | 0.1545% | 5,247 |
| Net interest margin | 3.6090% | 3,139 |
| Noninterest income to average assets | 0.5449% | 2,549 |
| Noninterest expense to average assets | 3.3658% | 1,225 |
| Loan and lease loss provision to assets | -0.0283% | 5,437 |
| Net operating income to assets | 0.5176% | 4,649 |
| Return on assets (ROA) | 0.6499% | 4,285 |
| Pretax return on assets | 0.6499% | 4,570 |
| Return on Equity (ROE) | 2.3656% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.3656% | 4,219 |
| Net charge-offs to loans | 0.1247% | 1,044 |
| Credit loss provision to net charge-offs | -65.8537% | 3,642 |
| Earnings coverage of net charge-offs (x) | 11.3659% | 1,850 |
| Efficiency ratio | 87.3094% | 570 |
| Assets per employee ($millions) | 4.7428% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4250% | 5,408 |
| Loan loss allowance to noncurrent loans | 16.8022% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 1,802 |
| Noncurrent loans to loans | 2.5294% | 532 |
| Net loans and leases to total assets | 34.0320% | 5,268 |
| Net loans and leases to deposits | 50.6729% | 4,937 |
| Net loans and leases to core deposits | 52.2810% | 4,970 |
| Total domestic deposits to total assets | 67.1602% | 5,442 |
| Equity capital to assets | 27.0522% | 83 |
| Core capital (leverage) ratio | 27.7318% | 79 |
| Tier 1 risk-based capital ratio | 56.2441% | 99 |
| Total risk-based capital ratio | 56.5423% | 103 |
| Memoranda: | ||
| Average total assets | $381,005,500 | 1,820 |
| Average earning assets | $349,463,500 | 1,833 |
| Average equity | $104,666,500 | 815 |
| Average total loans | $131,484,500 | 2,913 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,052 |
| Cost of funding earning assets | 0.1536% | 5,243 |
| Net interest margin | 3.6444% | 3,006 |
| Noninterest income to average assets | 1.2867% | 642 |
| Noninterest expense to average assets | 3.3620% | 1,266 |
| Loan and lease loss provision to assets | 0.0173% | 3,954 |
| Net operating income to assets | 1.0738% | 1,964 |
| Return on assets (ROA) | 1.0962% | 1,886 |
| Pretax return on assets | 1.2609% | 2,503 |
| Return on Equity (ROE) | 4.0751% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.0751% | 2,732 |
| Net charge-offs to loans | 0.1648% | 1,485 |
| Credit loss provision to net charge-offs | 29.9539% | 3,536 |
| Earnings coverage of net charge-offs (x) | 21.7281% | 1,883 |
| Efficiency ratio | 72.8586% | 2,086 |
| Assets per employee ($millions) | 4.5921% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4754% | 5,415 |
| Loan loss allowance to noncurrent loans | 17.6288% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 1,645 |
| Noncurrent loans to loans | 2.6969% | 460 |
| Net loans and leases to total assets | 34.8016% | 5,320 |
| Net loans and leases to deposits | 52.6317% | 4,953 |
| Net loans and leases to core deposits | 54.3703% | 4,990 |
| Total domestic deposits to total assets | 66.1229% | 5,515 |
| Equity capital to assets | 27.5630% | 79 |
| Core capital (leverage) ratio | 27.8309% | 77 |
| Tier 1 risk-based capital ratio | 55.6397% | 96 |
| Total risk-based capital ratio | 55.9728% | 96 |
| Memoranda: | ||
| Average total assets | $376,471,000 | 1,801 |
| Average earning assets | $343,765,000 | 1,821 |
| Average equity | $101,272,800 | 813 |
| Average total loans | $131,664,400 | 2,890 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,144 |
| Cost of funding earning assets | 0.1493% | 5,318 |
| Net interest margin | 3.6099% | 3,111 |
| Noninterest income to average assets | 1.2612% | 660 |
| Noninterest expense to average assets | 3.3257% | 1,287 |
| Loan and lease loss provision to assets | 0.0014% | 4,073 |
| Net operating income to assets | 1.0676% | 2,245 |
| Return on assets (ROA) | 1.0707% | 2,273 |
| Pretax return on assets | 1.2340% | 2,771 |
| Return on Equity (ROE) | 4.0048% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,540 |
| Net charge-offs to loans | 0.1084% | 1,703 |
| Credit loss provision to net charge-offs | 3.7383% | 3,256 |
| Earnings coverage of net charge-offs (x) | 32.5054% | 1,485 |
| Efficiency ratio | 72.9717% | 2,051 |
| Assets per employee ($millions) | 4.4553% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 5,442 |
| Loan loss allowance to noncurrent loans | 18.7500% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 1,771 |
| Noncurrent loans to loans | 2.7480% | 510 |
| Net loans and leases to total assets | 34.8238% | 5,393 |
| Net loans and leases to deposits | 52.7155% | 5,015 |
| Net loans and leases to core deposits | 54.5543% | 5,054 |
| Total domestic deposits to total assets | 66.0598% | 5,585 |
| Equity capital to assets | 27.4372% | 78 |
| Core capital (leverage) ratio | 27.2661% | 79 |
| Tier 1 risk-based capital ratio | 55.8626% | 98 |
| Total risk-based capital ratio | 56.2271% | 100 |
| Memoranda: | ||
| Average total assets | $376,450,750 | 1,814 |
| Average earning assets | $343,749,000 | 1,839 |
| Average equity | $100,643,750 | 819 |
| Average total loans | $131,662,500 | 2,918 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,129 |
| Cost of funding earning assets | 0.1422% | 5,384 |
| Net interest margin | 3.5890% | 3,081 |
| Noninterest income to average assets | 1.1846% | 724 |
| Noninterest expense to average assets | 3.2568% | 1,455 |
| Loan and lease loss provision to assets | -0.0164% | 5,558 |
| Net operating income to assets | 1.0608% | 2,163 |
| Return on assets (ROA) | 1.0769% | 2,141 |
| Pretax return on assets | 1.2413% | 2,617 |
| Return on Equity (ROE) | 4.0635% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.0635% | 3,286 |
| Net charge-offs to loans | 0.1122% | 1,510 |
| Credit loss provision to net charge-offs | -41.8919% | 4,278 |
| Earnings coverage of net charge-offs (x) | 30.7432% | 1,443 |
| Efficiency ratio | 72.9714% | 2,189 |
| Assets per employee ($millions) | 4.5188% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 5,503 |
| Loan loss allowance to noncurrent loans | 18.1011% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 1,789 |
| Noncurrent loans to loans | 2.8373% | 480 |
| Net loans and leases to total assets | 34.3460% | 5,434 |
| Net loans and leases to deposits | 51.7979% | 5,070 |
| Net loans and leases to core deposits | 53.6138% | 5,102 |
| Total domestic deposits to total assets | 66.3077% | 5,633 |
| Equity capital to assets | 26.7986% | 79 |
| Core capital (leverage) ratio | 27.1204% | 74 |
| Tier 1 risk-based capital ratio | 55.4330% | 96 |
| Total risk-based capital ratio | 55.7971% | 99 |
| Memoranda: | ||
| Average total assets | $377,185,330 | 1,816 |
| Average earning assets | $344,554,670 | 1,837 |
| Average equity | $99,964,000 | 824 |
| Average total loans | $131,882,670 | 2,914 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 4,101 |
| Cost of funding earning assets | 0.1397% | 5,441 |
| Net interest margin | 3.5682% | 3,017 |
| Noninterest income to average assets | 1.2580% | 650 |
| Noninterest expense to average assets | 3.2264% | 1,535 |
| Loan and lease loss provision to assets | 0.0064% | 3,482 |
| Net operating income to assets | 1.1121% | 1,820 |
| Return on assets (ROA) | 1.1432% | 1,738 |
| Pretax return on assets | 1.3218% | 2,161 |
| Return on Equity (ROE) | 4.3326% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.3326% | 3,259 |
| Net charge-offs to loans | 0.1179% | 1,222 |
| Credit loss provision to net charge-offs | 15.3846% | 2,196 |
| Earnings coverage of net charge-offs (x) | 31.1538% | 1,196 |
| Efficiency ratio | 71.4050% | 2,679 |
| Assets per employee ($millions) | 4.5460% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 5,526 |
| Loan loss allowance to noncurrent loans | 20.8042% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 1,918 |
| Noncurrent loans to loans | 2.7236% | 548 |
| Net loans and leases to total assets | 34.6483% | 5,451 |
| Net loans and leases to deposits | 52.1730% | 5,028 |
| Net loans and leases to core deposits | 54.1456% | 5,056 |
| Total domestic deposits to total assets | 66.4105% | 5,704 |
| Equity capital to assets | 26.4814% | 86 |
| Core capital (leverage) ratio | 27.2261% | 77 |
| Tier 1 risk-based capital ratio | 55.0448% | 102 |
| Total risk-based capital ratio | 55.4481% | 105 |
| Memoranda: | ||
| Average total assets | $376,152,000 | 1,829 |
| Average earning assets | $343,702,500 | 1,852 |
| Average equity | $99,247,500 | 831 |
| Average total loans | $132,303,000 | 2,931 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,136 |
| Cost of funding earning assets | 0.1495% | 5,430 |
| Net interest margin | 3.5772% | 3,156 |
| Noninterest income to average assets | 1.2899% | 684 |
| Noninterest expense to average assets | 3.4625% | 1,228 |
| Loan and lease loss provision to assets | 0.0172% | 4,035 |
| Net operating income to assets | 0.9560% | 2,552 |
| Return on assets (ROA) | 1.3856% | 1,075 |
| Pretax return on assets | 1.5969% | 1,296 |
| Return on Equity (ROE) | 5.3146% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.3146% | 2,119 |
| Net charge-offs to loans | 0.1475% | 1,790 |
| Credit loss provision to net charge-offs | 32.3383% | 3,566 |
| Earnings coverage of net charge-offs (x) | 21.0199% | 1,821 |
| Efficiency ratio | 75.5526% | 2,054 |
| Assets per employee ($millions) | 4.3603% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 5,558 |
| Loan loss allowance to noncurrent loans | 25.7872% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 2,340 |
| Noncurrent loans to loans | 2.2663% | 738 |
| Net loans and leases to total assets | 35.2943% | 5,508 |
| Net loans and leases to deposits | 53.4676% | 5,041 |
| Net loans and leases to core deposits | 55.3532% | 5,078 |
| Total domestic deposits to total assets | 66.0106% | 5,757 |
| Equity capital to assets | 26.2878% | 86 |
| Core capital (leverage) ratio | 27.1842% | 80 |
| Tier 1 risk-based capital ratio | 56.0149% | 108 |
| Total risk-based capital ratio | 56.4481% | 110 |
| Memoranda: | ||
| Average total assets | $377,097,400 | 1,781 |
| Average earning assets | $347,140,400 | 1,793 |
| Average equity | $98,314,200 | 802 |
| Average total loans | $136,299,600 | 2,825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,200 |
| Cost of funding earning assets | 0.1517% | 5,477 |
| Net interest margin | 3.5641% | 3,214 |
| Noninterest income to average assets | 1.1348% | 894 |
| Noninterest expense to average assets | 3.4605% | 1,222 |
| Loan and lease loss provision to assets | 0.0191% | 3,864 |
| Net operating income to assets | 0.8147% | 3,300 |
| Return on assets (ROA) | 1.3385% | 1,269 |
| Pretax return on assets | 1.5500% | 1,533 |
| Return on Equity (ROE) | 5.1446% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.1446% | 2,726 |
| Net charge-offs to loans | 0.1634% | 1,396 |
| Credit loss provision to net charge-offs | 32.1429% | 3,210 |
| Earnings coverage of net charge-offs (x) | 16.1848% | 2,133 |
| Efficiency ratio | 78.2827% | 1,650 |
| Assets per employee ($millions) | 4.1642% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 5,610 |
| Loan loss allowance to noncurrent loans | 27.4725% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 2,510 |
| Noncurrent loans to loans | 2.1812% | 863 |
| Net loans and leases to total assets | 35.0194% | 5,590 |
| Net loans and leases to deposits | 53.6390% | 5,132 |
| Net loans and leases to core deposits | 55.5877% | 5,169 |
| Total domestic deposits to total assets | 65.2872% | 5,832 |
| Equity capital to assets | 26.4076% | 86 |
| Core capital (leverage) ratio | 26.7626% | 80 |
| Tier 1 risk-based capital ratio | 57.1735% | 96 |
| Total risk-based capital ratio | 57.6347% | 100 |
| Memoranda: | ||
| Average total assets | $377,625,000 | 1,779 |
| Average earning assets | $348,130,250 | 1,790 |
| Average equity | $98,248,750 | 807 |
| Average total loans | $137,092,750 | 2,823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,135 |
| Cost of funding earning assets | 0.1551% | 5,511 |
| Net interest margin | 3.5924% | 3,126 |
| Noninterest income to average assets | 1.0154% | 1,081 |
| Noninterest expense to average assets | 3.3008% | 1,592 |
| Loan and lease loss provision to assets | 0.0201% | 3,739 |
| Net operating income to assets | 0.8774% | 2,980 |
| Return on assets (ROA) | 1.6215% | 732 |
| Pretax return on assets | 1.8659% | 750 |
| Return on Equity (ROE) | 6.2637% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.2637% | 1,982 |
| Net charge-offs to loans | 0.1793% | 1,267 |
| Credit loss provision to net charge-offs | 30.6452% | 2,853 |
| Earnings coverage of net charge-offs (x) | 15.6774% | 1,973 |
| Efficiency ratio | 76.2027% | 2,052 |
| Assets per employee ($millions) | 4.2334% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,660 |
| Loan loss allowance to noncurrent loans | 26.6238% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 2,422 |
| Noncurrent loans to loans | 2.3043% | 791 |
| Net loans and leases to total assets | 35.6016% | 5,626 |
| Net loans and leases to deposits | 55.1641% | 5,070 |
| Net loans and leases to core deposits | 57.3675% | 5,103 |
| Total domestic deposits to total assets | 64.5375% | 5,924 |
| Equity capital to assets | 26.6627% | 79 |
| Core capital (leverage) ratio | 26.5802% | 77 |
| Tier 1 risk-based capital ratio | 57.7386% | 98 |
| Total risk-based capital ratio | 58.2243% | 101 |
| Memoranda: | ||
| Average total assets | $377,185,330 | 1,777 |
| Average earning assets | $348,178,330 | 1,785 |
| Average equity | $97,641,670 | 811 |
| Average total loans | $138,289,000 | 2,818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,027 |
| Cost of funding earning assets | 0.1485% | 5,623 |
| Net interest margin | 3.6293% | 2,971 |
| Noninterest income to average assets | 0.7144% | 1,962 |
| Noninterest expense to average assets | 3.3578% | 1,471 |
| Loan and lease loss provision to assets | 0.0148% | 3,496 |
| Net operating income to assets | 0.5946% | 4,201 |
| Return on assets (ROA) | 1.5665% | 788 |
| Pretax return on assets | 1.8008% | 845 |
| Return on Equity (ROE) | 6.1434% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,308 |
| Net charge-offs to loans | 0.2029% | 982 |
| Credit loss provision to net charge-offs | 19.7183% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.2817% | 1,996 |
| Efficiency ratio | 82.7802% | 1,283 |
| Assets per employee ($millions) | 4.3785% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 5,715 |
| Loan loss allowance to noncurrent loans | 25.7589% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 2,385 |
| Noncurrent loans to loans | 2.4131% | 798 |
| Net loans and leases to total assets | 36.3867% | 5,617 |
| Net loans and leases to deposits | 56.8185% | 4,930 |
| Net loans and leases to core deposits | 59.2318% | 4,988 |
| Total domestic deposits to total assets | 64.0403% | 5,998 |
| Equity capital to assets | 25.8586% | 84 |
| Core capital (leverage) ratio | 25.8221% | 80 |
| Tier 1 risk-based capital ratio | 56.7569% | 99 |
| Total risk-based capital ratio | 57.2591% | 102 |
| Memoranda: | ||
| Average total assets | $377,393,000 | 1,777 |
| Average earning assets | $347,501,000 | 1,789 |
| Average equity | $96,234,000 | 823 |
| Average total loans | $139,951,500 | 2,784 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,494 |
| Cost of funding earning assets | 0.1675% | 5,552 |
| Net interest margin | 3.7880% | 2,415 |
| Noninterest income to average assets | 0.9783% | 1,240 |
| Noninterest expense to average assets | 3.6228% | 1,086 |
| Loan and lease loss provision to assets | 0.0162% | 4,087 |
| Net operating income to assets | 0.7311% | 3,669 |
| Return on assets (ROA) | 0.7718% | 3,537 |
| Pretax return on assets | 0.8886% | 3,886 |
| Return on Equity (ROE) | 3.1990% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.1990% | 3,781 |
| Net charge-offs to loans | 0.1052% | 2,342 |
| Credit loss provision to net charge-offs | 38.6076% | 3,545 |
| Earnings coverage of net charge-offs (x) | 20.4114% | 1,881 |
| Efficiency ratio | 80.8514% | 1,556 |
| Assets per employee ($millions) | 4.4934% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 5,732 |
| Loan loss allowance to noncurrent loans | 19.0258% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 1,679 |
| Noncurrent loans to loans | 3.3824% | 426 |
| Net loans and leases to total assets | 37.3870% | 5,650 |
| Net loans and leases to deposits | 58.3712% | 4,891 |
| Net loans and leases to core deposits | 60.6600% | 4,942 |
| Total domestic deposits to total assets | 64.0505% | 6,047 |
| Equity capital to assets | 24.5172% | 103 |
| Core capital (leverage) ratio | 25.3526% | 89 |
| Tier 1 risk-based capital ratio | 54.9990% | 106 |
| Total risk-based capital ratio | 55.5282% | 106 |
| Memoranda: | ||
| Average total assets | $375,872,200 | 1,748 |
| Average earning assets | $347,547,400 | 1,747 |
| Average equity | $90,683,200 | 838 |
| Average total loans | $150,181,600 | 2,595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,527 |
| Cost of funding earning assets | 0.1617% | 5,692 |
| Net interest margin | 3.7929% | 2,413 |
| Noninterest income to average assets | 0.8220% | 1,719 |
| Noninterest expense to average assets | 3.6323% | 1,066 |
| Loan and lease loss provision to assets | 0.0170% | 3,931 |
| Net operating income to assets | 0.5977% | 4,395 |
| Return on assets (ROA) | 0.6431% | 4,279 |
| Pretax return on assets | 0.7393% | 4,537 |
| Return on Equity (ROE) | 2.6764% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.6764% | 4,512 |
| Net charge-offs to loans | 0.0999% | 2,149 |
| Credit loss provision to net charge-offs | 42.1053% | 3,138 |
| Earnings coverage of net charge-offs (x) | 17.3943% | 2,058 |
| Efficiency ratio | 83.7619% | 1,199 |
| Assets per employee ($millions) | 4.0706% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 5,824 |
| Loan loss allowance to noncurrent loans | 18.8247% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 1,712 |
| Noncurrent loans to loans | 3.4289% | 465 |
| Net loans and leases to total assets | 38.8410% | 5,654 |
| Net loans and leases to deposits | 60.8359% | 4,795 |
| Net loans and leases to core deposits | 63.1509% | 4,858 |
| Total domestic deposits to total assets | 63.8455% | 6,132 |
| Equity capital to assets | 24.2830% | 109 |
| Core capital (leverage) ratio | 24.8564% | 91 |
| Tier 1 risk-based capital ratio | 54.1208% | 117 |
| Total risk-based capital ratio | 54.6654% | 118 |
| Memoranda: | ||
| Average total assets | $375,478,000 | 1,761 |
| Average earning assets | $347,902,750 | 1,757 |
| Average equity | $90,219,000 | 849 |
| Average total loans | $152,219,250 | 2,578 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,374 |
| Cost of funding earning assets | 0.1636% | 5,749 |
| Net interest margin | 3.8168% | 2,250 |
| Noninterest income to average assets | 0.9782% | 1,226 |
| Noninterest expense to average assets | 3.6556% | 1,042 |
| Loan and lease loss provision to assets | 0.0128% | 3,862 |
| Net operating income to assets | 0.7403% | 3,685 |
| Return on assets (ROA) | 0.8084% | 3,441 |
| Pretax return on assets | 0.9265% | 3,859 |
| Return on Equity (ROE) | 3.3763% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.3763% | 3,886 |
| Net charge-offs to loans | 0.0545% | 2,632 |
| Credit loss provision to net charge-offs | 57.1429% | 2,620 |
| Earnings coverage of net charge-offs (x) | 38.5238% | 1,155 |
| Efficiency ratio | 80.9355% | 1,630 |
| Assets per employee ($millions) | 4.1855% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 5,870 |
| Loan loss allowance to noncurrent loans | 19.5897% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 1,863 |
| Noncurrent loans to loans | 3.4004% | 530 |
| Net loans and leases to total assets | 39.3091% | 5,669 |
| Net loans and leases to deposits | 61.4050% | 4,743 |
| Net loans and leases to core deposits | 63.6948% | 4,834 |
| Total domestic deposits to total assets | 64.0161% | 6,203 |
| Equity capital to assets | 23.6900% | 115 |
| Core capital (leverage) ratio | 24.5033% | 93 |
| Tier 1 risk-based capital ratio | 37.8381% | 297 |
| Total risk-based capital ratio | 38.2394% | 310 |
| Memoranda: | ||
| Average total assets | $375,805,330 | 1,768 |
| Average earning assets | $348,405,670 | 1,759 |
| Average equity | $89,979,000 | 854 |
| Average total loans | $154,158,000 | 2,566 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,195 |
| Cost of funding earning assets | 0.1734% | 5,740 |
| Net interest margin | 3.8373% | 2,109 |
| Noninterest income to average assets | 0.9687% | 1,192 |
| Noninterest expense to average assets | 3.7255% | 971 |
| Loan and lease loss provision to assets | 0.0011% | 3,697 |
| Net operating income to assets | 0.6824% | 3,884 |
| Return on assets (ROA) | 0.7875% | 3,463 |
| Pretax return on assets | 0.9260% | 3,795 |
| Return on Equity (ROE) | 3.2718% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.2718% | 4,019 |
| Net charge-offs to loans | 0.0204% | 2,744 |
| Credit loss provision to net charge-offs | 12.5000% | 2,419 |
| Earnings coverage of net charge-offs (x) | 94.2500% | 517 |
| Efficiency ratio | 82.2588% | 1,583 |
| Assets per employee ($millions) | 4.2026% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 5,983 |
| Loan loss allowance to noncurrent loans | 17.8014% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 1,764 |
| Noncurrent loans to loans | 3.6687% | 500 |
| Net loans and leases to total assets | 40.3802% | 5,576 |
| Net loans and leases to deposits | 63.8640% | 4,382 |
| Net loans and leases to core deposits | 66.2284% | 4,496 |
| Total domestic deposits to total assets | 63.2285% | 6,290 |
| Equity capital to assets | 24.0346% | 109 |
| Core capital (leverage) ratio | 24.9205% | 92 |
| Tier 1 risk-based capital ratio | 37.5920% | 293 |
| Total risk-based capital ratio | 37.9985% | 309 |
| Memoranda: | ||
| Average total assets | $375,358,500 | 1,780 |
| Average earning assets | $348,262,000 | 1,767 |
| Average equity | $90,348,500 | 854 |
| Average total loans | $156,702,000 | 2,528 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 3,121 |
| Cost of funding earning assets | 0.2134% | 5,638 |
| Net interest margin | 3.9371% | 2,095 |
| Noninterest income to average assets | 1.1135% | 985 |
| Noninterest expense to average assets | 3.3963% | 1,706 |
| Loan and lease loss provision to assets | 0.0957% | 2,555 |
| Net operating income to assets | 1.1027% | 1,963 |
| Return on assets (ROA) | 1.1753% | 1,733 |
| Pretax return on assets | 1.3054% | 2,225 |
| Return on Equity (ROE) | 5.0102% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.0102% | 2,591 |
| Net charge-offs to loans | 0.1578% | 2,458 |
| Credit loss provision to net charge-offs | 136.5019% | 1,733 |
| Earnings coverage of net charge-offs (x) | 18.8403% | 1,817 |
| Efficiency ratio | 72.0072% | 3,213 |
| Assets per employee ($millions) | 3.8801% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6332% | 6,096 |
| Loan loss allowance to noncurrent loans | 19.3419% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 1,982 |
| Noncurrent loans to loans | 3.2736% | 657 |
| Net loans and leases to total assets | 42.5945% | 5,574 |
| Net loans and leases to deposits | 67.6267% | 4,163 |
| Net loans and leases to core deposits | 70.5289% | 4,274 |
| Total domestic deposits to total assets | 62.9847% | 6,370 |
| Equity capital to assets | 24.1058% | 110 |
| Core capital (leverage) ratio | 24.3027% | 98 |
| Tier 1 risk-based capital ratio | 37.8595% | 267 |
| Total risk-based capital ratio | 38.2751% | 275 |
| Memoranda: | ||
| Average total assets | $375,295,000 | 1,739 |
| Average earning assets | $343,451,800 | 1,744 |
| Average equity | $88,039,600 | 836 |
| Average total loans | $166,711,400 | 2,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 3,120 |
| Cost of funding earning assets | 0.2203% | 5,664 |
| Net interest margin | 3.9426% | 2,067 |
| Noninterest income to average assets | 1.1408% | 924 |
| Noninterest expense to average assets | 3.2347% | 2,075 |
| Loan and lease loss provision to assets | 0.0858% | 2,641 |
| Net operating income to assets | 1.1316% | 1,925 |
| Return on assets (ROA) | 1.2028% | 1,740 |
| Pretax return on assets | 1.5078% | 1,622 |
| Return on Equity (ROE) | 5.1626% | 4,643 |
| Retained earnings to average equity (ytd only) | 5.1626% | 2,981 |
| Net charge-offs to loans | 0.1519% | 2,274 |
| Credit loss provision to net charge-offs | 126.0417% | 1,827 |
| Earnings coverage of net charge-offs (x) | 22.0993% | 1,647 |
| Efficiency ratio | 68.2529% | 3,818 |
| Assets per employee ($millions) | 3.7360% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5899% | 6,239 |
| Loan loss allowance to noncurrent loans | 18.2179% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 1.4194% | 2,176 |
| Noncurrent loans to loans | 3.2382% | 777 |
| Net loans and leases to total assets | 43.0954% | 5,588 |
| Net loans and leases to deposits | 68.8127% | 4,041 |
| Net loans and leases to core deposits | 71.7287% | 4,178 |
| Total domestic deposits to total assets | 62.6271% | 6,454 |
| Equity capital to assets | 24.1965% | 109 |
| Core capital (leverage) ratio | 23.8662% | 105 |
| Tier 1 risk-based capital ratio | 37.1791% | 295 |
| Total risk-based capital ratio | 37.5730% | 309 |
| Memoranda: | ||
| Average total assets | $375,997,000 | 1,753 |
| Average earning assets | $343,187,250 | 1,751 |
| Average equity | $87,601,750 | 840 |
| Average total loans | $168,471,750 | 2,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 3,377 |
| Cost of funding earning assets | 0.2240% | 5,711 |
| Net interest margin | 3.8691% | 2,299 |
| Noninterest income to average assets | 1.2073% | 803 |
| Noninterest expense to average assets | 3.4664% | 1,540 |
| Loan and lease loss provision to assets | 0.1225% | 2,006 |
| Net operating income to assets | 1.0231% | 2,234 |
| Return on assets (ROA) | 1.1482% | 1,843 |
| Pretax return on assets | 1.2813% | 2,331 |
| Return on Equity (ROE) | 4.9926% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.9926% | 2,961 |
| Net charge-offs to loans | 0.0999% | 2,682 |
| Credit loss provision to net charge-offs | 270.5882% | 933 |
| Earnings coverage of net charge-offs (x) | 27.9412% | 1,321 |
| Efficiency ratio | 73.2665% | 3,112 |
| Assets per employee ($millions) | 3.8279% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 6,267 |
| Loan loss allowance to noncurrent loans | 21.2042% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 2,475 |
| Noncurrent loans to loans | 2.9856% | 973 |
| Net loans and leases to total assets | 43.9043% | 5,538 |
| Net loans and leases to deposits | 69.7188% | 3,857 |
| Net loans and leases to core deposits | 72.4196% | 4,003 |
| Total domestic deposits to total assets | 62.9735% | 6,528 |
| Equity capital to assets | 23.5783% | 113 |
| Core capital (leverage) ratio | 23.7801% | 103 |
| Tier 1 risk-based capital ratio | 36.9709% | 300 |
| Total risk-based capital ratio | 37.4071% | 313 |
| Memoranda: | ||
| Average total assets | $375,551,000 | 1,752 |
| Average earning assets | $342,040,330 | 1,755 |
| Average equity | $86,368,330 | 851 |
| Average total loans | $170,102,670 | 2,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 2,868 |
| Cost of funding earning assets | 0.2431% | 5,655 |
| Net interest margin | 3.9585% | 1,894 |
| Noninterest income to average assets | 1.0571% | 1,002 |
| Noninterest expense to average assets | 3.4003% | 1,701 |
| Loan and lease loss provision to assets | 0.1059% | 2,154 |
| Net operating income to assets | 0.9172% | 2,563 |
| Return on assets (ROA) | 1.0978% | 1,888 |
| Pretax return on assets | 1.3653% | 1,870 |
| Return on Equity (ROE) | 4.8353% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.8353% | 3,209 |
| Net charge-offs to loans | 0.1330% | 1,916 |
| Credit loss provision to net charge-offs | 173.6842% | 1,144 |
| Earnings coverage of net charge-offs (x) | 20.4211% | 1,333 |
| Efficiency ratio | 73.1921% | 3,279 |
| Assets per employee ($millions) | 3.7607% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 6,447 |
| Loan loss allowance to noncurrent loans | 16.5571% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5896% | 2,217 |
| Noncurrent loans to loans | 3.4117% | 874 |
| Net loans and leases to total assets | 44.7953% | 5,439 |
| Net loans and leases to deposits | 70.8753% | 3,489 |
| Net loans and leases to core deposits | 73.8156% | 3,667 |
| Total domestic deposits to total assets | 63.2030% | 6,600 |
| Equity capital to assets | 23.0145% | 125 |
| Core capital (leverage) ratio | 23.8769% | 106 |
| Tier 1 risk-based capital ratio | 36.3675% | 306 |
| Total risk-based capital ratio | 36.7599% | 329 |
| Memoranda: | ||
| Average total assets | $373,847,500 | 1,759 |
| Average earning assets | $338,918,500 | 1,780 |
| Average equity | $84,876,500 | 867 |
| Average total loans | $171,434,500 | 2,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 2,895 |
| Cost of funding earning assets | 0.3145% | 5,473 |
| Net interest margin | 4.0014% | 1,942 |
| Noninterest income to average assets | 1.4091% | 710 |
| Noninterest expense to average assets | 3.5220% | 1,606 |
| Loan and lease loss provision to assets | 0.0236% | 4,656 |
| Net operating income to assets | 1.2644% | 1,351 |
| Return on assets (ROA) | 1.3225% | 1,236 |
| Pretax return on assets | 1.5835% | 1,212 |
| Return on Equity (ROE) | 6.1792% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1792% | 1,868 |
| Net charge-offs to loans | 0.2217% | 2,691 |
| Credit loss provision to net charge-offs | 22.1675% | 4,410 |
| Earnings coverage of net charge-offs (x) | 14.4409% | 1,944 |
| Efficiency ratio | 69.6060% | 3,901 |
| Assets per employee ($millions) | 3.7921% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5275% | 6,552 |
| Loan loss allowance to noncurrent loans | 15.6491% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 2,290 |
| Noncurrent loans to loans | 3.3710% | 954 |
| Net loans and leases to total assets | 46.4273% | 5,453 |
| Net loans and leases to deposits | 73.4395% | 3,339 |
| Net loans and leases to core deposits | 76.7730% | 3,521 |
| Total domestic deposits to total assets | 63.2185% | 6,680 |
| Equity capital to assets | 22.3888% | 135 |
| Core capital (leverage) ratio | 23.5065% | 106 |
| Tier 1 risk-based capital ratio | 36.1472% | 294 |
| Total risk-based capital ratio | 36.5244% | 309 |
| Memoranda: | ||
| Average total assets | $381,234,000 | 1,721 |
| Average earning assets | $347,831,200 | 1,722 |
| Average equity | $81,596,200 | 876 |
| Average total loans | $183,107,000 | 2,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 3,004 |
| Cost of funding earning assets | 0.3243% | 5,511 |
| Net interest margin | 3.9739% | 2,024 |
| Noninterest income to average assets | 1.3474% | 804 |
| Noninterest expense to average assets | 3.3573% | 1,922 |
| Loan and lease loss provision to assets | 0.0229% | 4,548 |
| Net operating income to assets | 1.2778% | 1,405 |
| Return on assets (ROA) | 1.3485% | 1,273 |
| Pretax return on assets | 1.6884% | 1,123 |
| Return on Equity (ROE) | 6.3713% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.3713% | 2,199 |
| Net charge-offs to loans | 0.1991% | 2,642 |
| Credit loss provision to net charge-offs | 23.8267% | 4,001 |
| Earnings coverage of net charge-offs (x) | 16.8594% | 1,772 |
| Efficiency ratio | 67.4110% | 4,206 |
| Assets per employee ($millions) | 3.6544% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 6,590 |
| Loan loss allowance to noncurrent loans | 12.4254% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 2.2221% | 1,791 |
| Noncurrent loans to loans | 4.6605% | 680 |
| Net loans and leases to total assets | 46.9804% | 5,449 |
| Net loans and leases to deposits | 74.0498% | 3,227 |
| Net loans and leases to core deposits | 77.4897% | 3,425 |
| Total domestic deposits to total assets | 63.4443% | 6,761 |
| Equity capital to assets | 21.5027% | 159 |
| Core capital (leverage) ratio | 22.5698% | 121 |
| Tier 1 risk-based capital ratio | 36.5376% | 297 |
| Total risk-based capital ratio | 36.9683% | 311 |
| Memoranda: | ||
| Average total assets | $383,636,500 | 1,721 |
| Average earning assets | $350,715,750 | 1,722 |
| Average equity | $81,194,750 | 889 |
| Average total loans | $185,521,250 | 2,149 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 3,047 |
| Cost of funding earning assets | 0.3350% | 5,524 |
| Net interest margin | 3.9421% | 2,072 |
| Noninterest income to average assets | 1.3562% | 851 |
| Noninterest expense to average assets | 3.3218% | 2,013 |
| Loan and lease loss provision to assets | 0.0294% | 4,339 |
| Net operating income to assets | 1.2913% | 1,346 |
| Return on assets (ROA) | 1.2921% | 1,436 |
| Pretax return on assets | 1.6159% | 1,317 |
| Return on Equity (ROE) | 6.1367% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.1367% | 2,350 |
| Net charge-offs to loans | 0.2173% | 2,452 |
| Credit loss provision to net charge-offs | 27.8049% | 3,629 |
| Earnings coverage of net charge-offs (x) | 15.5317% | 1,731 |
| Efficiency ratio | 66.8885% | 4,380 |
| Assets per employee ($millions) | 3.7577% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5942% | 6,623 |
| Loan loss allowance to noncurrent loans | 15.4339% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8516% | 2,340 |
| Noncurrent loans to loans | 3.8497% | 1,045 |
| Net loans and leases to total assets | 47.2734% | 5,396 |
| Net loans and leases to deposits | 74.7799% | 3,044 |
| Net loans and leases to core deposits | 78.1811% | 3,264 |
| Total domestic deposits to total assets | 63.2167% | 6,811 |
| Equity capital to assets | 20.7990% | 173 |
| Core capital (leverage) ratio | 21.7642% | 130 |
| Tier 1 risk-based capital ratio | 36.1080% | 300 |
| Total risk-based capital ratio | 36.5673% | 322 |
| Memoranda: | ||
| Average total assets | $387,265,670 | 1,712 |
| Average earning assets | $354,631,330 | 1,710 |
| Average equity | $81,542,670 | 883 |
| Average total loans | $188,648,670 | 2,114 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 3,055 |
| Cost of funding earning assets | 0.3663% | 5,402 |
| Net interest margin | 3.8945% | 2,138 |
| Noninterest income to average assets | 1.4191% | 754 |
| Noninterest expense to average assets | 3.3407% | 1,984 |
| Loan and lease loss provision to assets | 0.0010% | 4,404 |
| Net operating income to assets | 1.3145% | 1,243 |
| Return on assets (ROA) | 1.2783% | 1,433 |
| Pretax return on assets | 1.6051% | 1,297 |
| Return on Equity (ROE) | 6.0348% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0348% | 2,660 |
| Net charge-offs to loans | 0.2502% | 1,953 |
| Credit loss provision to net charge-offs | 0.8333% | 3,232 |
| Earnings coverage of net charge-offs (x) | 13.3917% | 1,531 |
| Efficiency ratio | 66.9205% | 4,503 |
| Assets per employee ($millions) | 3.8391% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 6,716 |
| Loan loss allowance to noncurrent loans | 18.3832% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5827% | 2,884 |
| Noncurrent loans to loans | 3.2208% | 1,518 |
| Net loans and leases to total assets | 48.1492% | 5,210 |
| Net loans and leases to deposits | 77.3806% | 2,435 |
| Net loans and leases to core deposits | 81.1874% | 2,669 |
| Total domestic deposits to total assets | 62.2238% | 6,895 |
| Equity capital to assets | 21.3229% | 169 |
| Core capital (leverage) ratio | 21.4114% | 149 |
| Tier 1 risk-based capital ratio | 35.6178% | 331 |
| Total risk-based capital ratio | 36.0900% | 347 |
| Memoranda: | ||
| Average total assets | $389,257,000 | 1,719 |
| Average earning assets | $357,119,000 | 1,711 |
| Average equity | $82,454,500 | 884 |
| Average total loans | $191,836,000 | 2,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,625 |
| Cost of funding earning assets | 0.5233% | 5,043 |
| Net interest margin | 4.1706% | 1,741 |
| Noninterest income to average assets | 1.1597% | 1,159 |
| Noninterest expense to average assets | 3.1897% | 2,650 |
| Loan and lease loss provision to assets | 0.0226% | 5,609 |
| Net operating income to assets | 1.3397% | 1,217 |
| Return on assets (ROA) | 1.4027% | 1,208 |
| Pretax return on assets | 1.8412% | 850 |
| Return on Equity (ROE) | 7.0541% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.0541% | 1,543 |
| Net charge-offs to loans | 0.2178% | 3,648 |
| Credit loss provision to net charge-offs | 19.1398% | 5,303 |
| Earnings coverage of net charge-offs (x) | 15.0667% | 1,681 |
| Efficiency ratio | 64.1710% | 4,847 |
| Assets per employee ($millions) | 3.9077% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 6,722 |
| Loan loss allowance to noncurrent loans | 20.3639% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5562% | 3,050 |
| Noncurrent loans to loans | 3.0863% | 1,678 |
| Net loans and leases to total assets | 49.8077% | 5,194 |
| Net loans and leases to deposits | 80.7518% | 2,184 |
| Net loans and leases to core deposits | 85.0449% | 2,417 |
| Total domestic deposits to total assets | 61.6800% | 6,958 |
| Equity capital to assets | 21.0432% | 183 |
| Core capital (leverage) ratio | 21.0193% | 162 |
| Tier 1 risk-based capital ratio | 34.3623% | 357 |
| Total risk-based capital ratio | 34.8742% | 371 |
| Memoranda: | ||
| Average total assets | $393,389,400 | 1,664 |
| Average earning assets | $359,471,400 | 1,659 |
| Average equity | $78,223,800 | 898 |
| Average total loans | $213,540,800 | 1,897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 2,674 |
| Cost of funding earning assets | 0.5554% | 5,042 |
| Net interest margin | 4.1732% | 1,816 |
| Noninterest income to average assets | 1.2117% | 1,022 |
| Noninterest expense to average assets | 3.1647% | 2,668 |
| Loan and lease loss provision to assets | 0.0217% | 5,525 |
| Net operating income to assets | 1.4073% | 1,209 |
| Return on assets (ROA) | 1.3937% | 1,366 |
| Pretax return on assets | 1.8163% | 1,001 |
| Return on Equity (ROE) | 7.1118% | 3,743 |
| Retained earnings to average equity (ytd only) | 7.1118% | 2,053 |
| Net charge-offs to loans | 0.2000% | 3,529 |
| Credit loss provision to net charge-offs | 19.5719% | 4,962 |
| Earnings coverage of net charge-offs (x) | 16.7706% | 1,662 |
| Efficiency ratio | 63.0384% | 4,971 |
| Assets per employee ($millions) | 3.7677% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 6,805 |
| Loan loss allowance to noncurrent loans | 26.3581% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 3,642 |
| Noncurrent loans to loans | 2.4794% | 2,321 |
| Net loans and leases to total assets | 52.1412% | 5,026 |
| Net loans and leases to deposits | 85.9235% | 1,609 |
| Net loans and leases to core deposits | 90.6452% | 1,910 |
| Total domestic deposits to total assets | 60.6833% | 7,055 |
| Equity capital to assets | 20.9764% | 204 |
| Core capital (leverage) ratio | 20.4553% | 193 |
| Tier 1 risk-based capital ratio | 35.2034% | 353 |
| Total risk-based capital ratio | 35.7858% | 367 |
| Memoranda: | ||
| Average total assets | $394,045,000 | 1,683 |
| Average earning assets | $359,622,750 | 1,682 |
| Average equity | $77,222,250 | 912 |
| Average total loans | $217,960,250 | 1,869 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 2,637 |
| Cost of funding earning assets | 0.5705% | 5,144 |
| Net interest margin | 4.2001% | 1,752 |
| Noninterest income to average assets | 1.1581% | 1,059 |
| Noninterest expense to average assets | 3.1673% | 2,703 |
| Loan and lease loss provision to assets | 0.0152% | 5,470 |
| Net operating income to assets | 1.3843% | 1,219 |
| Return on assets (ROA) | 1.3663% | 1,429 |
| Pretax return on assets | 1.7787% | 1,081 |
| Return on Equity (ROE) | 7.1382% | 3,710 |
| Retained earnings to average equity (ytd only) | 7.1382% | 2,028 |
| Net charge-offs to loans | 0.1693% | 3,587 |
| Credit loss provision to net charge-offs | 15.9574% | 4,667 |
| Earnings coverage of net charge-offs (x) | 19.0798% | 1,453 |
| Efficiency ratio | 63.5430% | 4,976 |
| Assets per employee ($millions) | 3.8477% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 6,845 |
| Loan loss allowance to noncurrent loans | 27.8976% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3343% | 3,771 |
| Noncurrent loans to loans | 2.4439% | 2,456 |
| Net loans and leases to total assets | 53.2622% | 4,924 |
| Net loans and leases to deposits | 87.3493% | 1,436 |
| Net loans and leases to core deposits | 92.4202% | 1,742 |
| Total domestic deposits to total assets | 60.9761% | 7,121 |
| Equity capital to assets | 20.1115% | 231 |
| Core capital (leverage) ratio | 19.9632% | 208 |
| Tier 1 risk-based capital ratio | 34.1315% | 371 |
| Total risk-based capital ratio | 34.7512% | 385 |
| Memoranda: | ||
| Average total assets | $394,781,330 | 1,677 |
| Average earning assets | $359,659,000 | 1,680 |
| Average equity | $75,565,330 | 925 |
| Average total loans | $222,063,000 | 1,827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 2,392 |
| Cost of funding earning assets | 0.6281% | 4,909 |
| Net interest margin | 4.2331% | 1,659 |
| Noninterest income to average assets | 1.5004% | 636 |
| Noninterest expense to average assets | 3.1481% | 2,766 |
| Loan and lease loss provision to assets | 0.0030% | 5,229 |
| Net operating income to assets | 1.6216% | 830 |
| Return on assets (ROA) | 1.6253% | 922 |
| Pretax return on assets | 2.1857% | 554 |
| Return on Equity (ROE) | 8.7134% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.7134% | 1,692 |
| Net charge-offs to loans | 0.1922% | 2,958 |
| Credit loss provision to net charge-offs | 2.7523% | 3,973 |
| Earnings coverage of net charge-offs (x) | 19.7339% | 1,217 |
| Efficiency ratio | 59.0442% | 5,767 |
| Assets per employee ($millions) | 3.8897% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 6,904 |
| Loan loss allowance to noncurrent loans | 41.7873% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 4,667 |
| Noncurrent loans to loans | 1.6179% | 3,692 |
| Net loans and leases to total assets | 56.1300% | 4,357 |
| Net loans and leases to deposits | 92.2134% | 781 |
| Net loans and leases to core deposits | 97.9387% | 1,129 |
| Total domestic deposits to total assets | 60.8696% | 7,184 |
| Equity capital to assets | 18.8568% | 289 |
| Core capital (leverage) ratio | 19.1926% | 235 |
| Tier 1 risk-based capital ratio | 32.3402% | 417 |
| Total risk-based capital ratio | 32.9754% | 440 |
| Memoranda: | ||
| Average total assets | $394,016,500 | 1,687 |
| Average earning assets | $356,619,000 | 1,701 |
| Average equity | $73,496,000 | 947 |
| Average total loans | $226,828,000 | 1,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 2,063 |
| Cost of funding earning assets | 0.7766% | 5,029 |
| Net interest margin | 4.4216% | 1,341 |
| Noninterest income to average assets | 0.9613% | 1,469 |
| Noninterest expense to average assets | 3.0636% | 3,341 |
| Loan and lease loss provision to assets | 0.1337% | 4,941 |
| Net operating income to assets | 1.4269% | 975 |
| Return on assets (ROA) | 1.4521% | 1,003 |
| Pretax return on assets | 1.7679% | 862 |
| Return on Equity (ROE) | 8.3619% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.3619% | 966 |
| Net charge-offs to loans | 0.1523% | 4,922 |
| Credit loss provision to net charge-offs | 142.7419% | 2,040 |
| Earnings coverage of net charge-offs (x) | 19.9704% | 1,151 |
| Efficiency ratio | 62.0853% | 5,446 |
| Assets per employee ($millions) | 3.9126% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 6,913 |
| Loan loss allowance to noncurrent loans | 43.1873% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 4,723 |
| Noncurrent loans to loans | 1.6063% | 3,750 |
| Net loans and leases to total assets | 58.2114% | 4,332 |
| Net loans and leases to deposits | 97.8352% | 568 |
| Net loans and leases to core deposits | 104.6488% | 864 |
| Total domestic deposits to total assets | 59.4994% | 7,233 |
| Equity capital to assets | 18.4505% | 318 |
| Core capital (leverage) ratio | 18.4678% | 274 |
| Tier 1 risk-based capital ratio | 31.0865% | 466 |
| Total risk-based capital ratio | 31.7542% | 486 |
| Memoranda: | ||
| Average total assets | $397,081,000 | 1,633 |
| Average earning assets | $356,813,800 | 1,661 |
| Average equity | $68,955,800 | 976 |
| Average total loans | $244,269,200 | 1,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 2,301 |
| Cost of funding earning assets | 0.8058% | 5,110 |
| Net interest margin | 4.3677% | 1,504 |
| Noninterest income to average assets | 0.7606% | 2,256 |
| Noninterest expense to average assets | 3.0536% | 3,338 |
| Loan and lease loss provision to assets | 0.0906% | 5,325 |
| Net operating income to assets | 1.2043% | 1,644 |
| Return on assets (ROA) | 1.2382% | 1,647 |
| Pretax return on assets | 1.5675% | 1,467 |
| Return on Equity (ROE) | 7.2426% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.2426% | 1,843 |
| Net charge-offs to loans | 0.1094% | 4,907 |
| Credit loss provision to net charge-offs | 133.0049% | 2,394 |
| Earnings coverage of net charge-offs (x) | 23.7241% | 1,104 |
| Efficiency ratio | 65.4048% | 4,826 |
| Assets per employee ($millions) | 3.8369% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 7,037 |
| Loan loss allowance to noncurrent loans | 42.2594% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 4,922 |
| Noncurrent loans to loans | 1.5058% | 4,028 |
| Net loans and leases to total assets | 58.7170% | 4,368 |
| Net loans and leases to deposits | 100.1236% | 472 |
| Net loans and leases to core deposits | 107.4068% | 789 |
| Total domestic deposits to total assets | 58.6446% | 7,319 |
| Equity capital to assets | 18.2085% | 366 |
| Core capital (leverage) ratio | 18.1817% | 310 |
| Tier 1 risk-based capital ratio | 29.6026% | 564 |
| Total risk-based capital ratio | 30.2192% | 585 |
| Memoranda: | ||
| Average total assets | $397,557,000 | 1,644 |
| Average earning assets | $355,725,250 | 1,670 |
| Average equity | $67,966,750 | 997 |
| Average total loans | $247,425,250 | 1,708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 2,052 |
| Cost of funding earning assets | 0.8434% | 5,111 |
| Net interest margin | 4.4110% | 1,339 |
| Noninterest income to average assets | 0.9530% | 1,456 |
| Noninterest expense to average assets | 3.0466% | 3,447 |
| Loan and lease loss provision to assets | 0.1203% | 4,774 |
| Net operating income to assets | 1.2858% | 1,355 |
| Return on assets (ROA) | 1.3760% | 1,206 |
| Pretax return on assets | 1.8283% | 828 |
| Return on Equity (ROE) | 8.2304% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.2304% | 1,372 |
| Net charge-offs to loans | 0.0655% | 4,983 |
| Credit loss provision to net charge-offs | 290.2439% | 1,054 |
| Earnings coverage of net charge-offs (x) | 44.1220% | 690 |
| Efficiency ratio | 62.4961% | 5,502 |
| Assets per employee ($millions) | 3.8072% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 7,083 |
| Loan loss allowance to noncurrent loans | 52.6074% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 5,359 |
| Noncurrent loans to loans | 1.2445% | 4,581 |
| Net loans and leases to total assets | 61.4683% | 3,996 |
| Net loans and leases to deposits | 101.8513% | 404 |
| Net loans and leases to core deposits | 109.3280% | 741 |
| Total domestic deposits to total assets | 60.3510% | 7,375 |
| Equity capital to assets | 17.3013% | 452 |
| Core capital (leverage) ratio | 18.1683% | 316 |
| Tier 1 risk-based capital ratio | 29.7279% | 550 |
| Total risk-based capital ratio | 30.3923% | 575 |
| Memoranda: | ||
| Average total assets | $395,783,330 | 1,662 |
| Average earning assets | $351,893,330 | 1,700 |
| Average equity | $66,169,670 | 1,016 |
| Average total loans | $250,542,670 | 1,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 1,616 |
| Cost of funding earning assets | 0.9492% | 4,575 |
| Net interest margin | 4.4356% | 1,201 |
| Noninterest income to average assets | 1.1898% | 910 |
| Noninterest expense to average assets | 3.0943% | 3,267 |
| Loan and lease loss provision to assets | 0.1122% | 4,611 |
| Net operating income to assets | 1.3802% | 1,094 |
| Return on assets (ROA) | 1.3576% | 1,191 |
| Pretax return on assets | 1.8822% | 703 |
| Return on Equity (ROE) | 8.2644% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.2644% | 1,627 |
| Net charge-offs to loans | 0.0347% | 4,609 |
| Credit loss provision to net charge-offs | 504.5455% | 708 |
| Earnings coverage of net charge-offs (x) | 91.0909% | 348 |
| Efficiency ratio | 60.4344% | 5,914 |
| Assets per employee ($millions) | 3.8668% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6159% | 7,186 |
| Loan loss allowance to noncurrent loans | 35.1958% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,688 |
| Noncurrent loans to loans | 1.7500% | 3,890 |
| Net loans and leases to total assets | 63.5005% | 3,543 |
| Net loans and leases to deposits | 106.2008% | 243 |
| Net loans and leases to core deposits | 114.3748% | 591 |
| Total domestic deposits to total assets | 59.7929% | 7,435 |
| Equity capital to assets | 16.8701% | 458 |
| Core capital (leverage) ratio | 17.4819% | 362 |
| Tier 1 risk-based capital ratio | 29.5241% | 543 |
| Total risk-based capital ratio | 30.1688% | 565 |
| Memoranda: | ||
| Average total assets | $395,699,000 | 1,672 |
| Average earning assets | $350,614,000 | 1,715 |
| Average equity | $65,002,000 | 1,032 |
| Average total loans | $253,319,500 | 1,710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 2,574 |
| Cost of funding earning assets | 1.1288% | 4,973 |
| Net interest margin | 4.2930% | 1,842 |
| Noninterest income to average assets | 1.2005% | 1,039 |
| Noninterest expense to average assets | 3.1072% | 3,424 |
| Loan and lease loss provision to assets | 0.1720% | 5,503 |
| Net operating income to assets | 1.4186% | 909 |
| Return on assets (ROA) | 1.5140% | 799 |
| Pretax return on assets | 1.8500% | 686 |
| Return on Equity (ROE) | 9.7809% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.7809% | 557 |
| Net charge-offs to loans | 0.2462% | 4,816 |
| Credit loss provision to net charge-offs | 103.9039% | 4,328 |
| Earnings coverage of net charge-offs (x) | 11.5120% | 1,601 |
| Efficiency ratio | 61.9843% | 5,736 |
| Assets per employee ($millions) | 4.0490% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 7,309 |
| Loan loss allowance to noncurrent loans | 46.3954% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 5,383 |
| Noncurrent loans to loans | 1.2139% | 4,703 |
| Net loans and leases to total assets | 63.7780% | 3,921 |
| Net loans and leases to deposits | 111.7349% | 207 |
| Net loans and leases to core deposits | 120.1715% | 523 |
| Total domestic deposits to total assets | 57.0797% | 7,529 |
| Equity capital to assets | 15.9955% | 584 |
| Core capital (leverage) ratio | 17.1620% | 386 |
| Tier 1 risk-based capital ratio | 27.4717% | 650 |
| Total risk-based capital ratio | 28.0478% | 673 |
| Memoranda: | ||
| Average total assets | $402,320,800 | 1,644 |
| Average earning assets | $357,282,600 | 1,676 |
| Average equity | $62,274,400 | 1,074 |
| Average total loans | $270,509,600 | 1,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 2,709 |
| Cost of funding earning assets | 1.1510% | 5,143 |
| Net interest margin | 4.2861% | 1,892 |
| Noninterest income to average assets | 1.0728% | 1,246 |
| Noninterest expense to average assets | 3.0683% | 3,494 |
| Loan and lease loss provision to assets | 0.1586% | 5,456 |
| Net operating income to assets | 1.2043% | 1,584 |
| Return on assets (ROA) | 1.3287% | 1,361 |
| Pretax return on assets | 1.8333% | 866 |
| Return on Equity (ROE) | 8.6559% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.6559% | 1,179 |
| Net charge-offs to loans | 0.2726% | 4,311 |
| Credit loss provision to net charge-offs | 85.5357% | 4,942 |
| Earnings coverage of net charge-offs (x) | 9.8107% | 1,960 |
| Efficiency ratio | 62.7803% | 5,471 |
| Assets per employee ($millions) | 3.8607% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 7,456 |
| Loan loss allowance to noncurrent loans | 47.4858% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,641 |
| Noncurrent loans to loans | 1.0517% | 5,140 |
| Net loans and leases to total assets | 65.9075% | 3,712 |
| Net loans and leases to deposits | 117.3087% | 140 |
| Net loans and leases to core deposits | 126.2913% | 445 |
| Total domestic deposits to total assets | 56.1829% | 7,637 |
| Equity capital to assets | 15.9950% | 675 |
| Core capital (leverage) ratio | 16.6106% | 479 |
| Tier 1 risk-based capital ratio | 26.5924% | 732 |
| Total risk-based capital ratio | 27.1249% | 769 |
| Memoranda: | ||
| Average total assets | $402,688,500 | 1,664 |
| Average earning assets | $358,389,250 | 1,694 |
| Average equity | $61,813,500 | 1,088 |
| Average total loans | $273,861,500 | 1,653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4291% | 2,846 |
| Cost of funding earning assets | 1.1396% | 5,461 |
| Net interest margin | 4.2896% | 1,820 |
| Noninterest income to average assets | 0.8243% | 2,001 |
| Noninterest expense to average assets | 3.0478% | 3,526 |
| Loan and lease loss provision to assets | 0.1160% | 5,740 |
| Net operating income to assets | 1.0630% | 1,972 |
| Return on assets (ROA) | 1.1533% | 1,746 |
| Pretax return on assets | 1.6083% | 1,280 |
| Return on Equity (ROE) | 7.6211% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.6211% | 1,588 |
| Net charge-offs to loans | 0.2155% | 4,311 |
| Credit loss provision to net charge-offs | 78.4512% | 4,751 |
| Earnings coverage of net charge-offs (x) | 10.8148% | 1,836 |
| Efficiency ratio | 65.5919% | 5,051 |
| Assets per employee ($millions) | 4.0134% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 7,511 |
| Loan loss allowance to noncurrent loans | 50.8996% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 5,684 |
| Noncurrent loans to loans | 0.9775% | 5,354 |
| Net loans and leases to total assets | 67.6687% | 3,462 |
| Net loans and leases to deposits | 118.0256% | 153 |
| Net loans and leases to core deposits | 126.8712% | 490 |
| Total domestic deposits to total assets | 57.3339% | 7,696 |
| Equity capital to assets | 15.5516% | 757 |
| Core capital (leverage) ratio | 16.1689% | 547 |
| Tier 1 risk-based capital ratio | 25.4765% | 813 |
| Total risk-based capital ratio | 26.0065% | 848 |
| Memoranda: | ||
| Average total assets | $401,792,670 | 1,684 |
| Average earning assets | $358,032,330 | 1,709 |
| Average equity | $60,804,670 | 1,095 |
| Average total loans | $275,644,000 | 1,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,669 |
| Cost of funding earning assets | 1.1403% | 5,700 |
| Net interest margin | 4.3431% | 1,555 |
| Noninterest income to average assets | 1.2238% | 818 |
| Noninterest expense to average assets | 3.0148% | 3,623 |
| Loan and lease loss provision to assets | 0.1015% | 5,614 |
| Net operating income to assets | 1.3701% | 1,143 |
| Return on assets (ROA) | 1.4676% | 1,020 |
| Pretax return on assets | 2.1143% | 492 |
| Return on Equity (ROE) | 9.8333% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.8333% | 1,179 |
| Net charge-offs to loans | 0.2729% | 3,319 |
| Credit loss provision to net charge-offs | 53.9683% | 4,419 |
| Earnings coverage of net charge-offs (x) | 11.0317% | 1,687 |
| Efficiency ratio | 59.2375% | 6,299 |
| Assets per employee ($millions) | 4.0278% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 7,602 |
| Loan loss allowance to noncurrent loans | 53.5929% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 5,819 |
| Noncurrent loans to loans | 0.9049% | 5,504 |
| Net loans and leases to total assets | 68.0160% | 3,386 |
| Net loans and leases to deposits | 120.3012% | 133 |
| Net loans and leases to core deposits | 130.0816% | 496 |
| Total domestic deposits to total assets | 56.5381% | 7,791 |
| Equity capital to assets | 15.1009% | 858 |
| Core capital (leverage) ratio | 16.0941% | 569 |
| Tier 1 risk-based capital ratio | 25.0457% | 857 |
| Total risk-based capital ratio | 25.5646% | 913 |
| Memoranda: | ||
| Average total assets | $402,021,500 | 1,718 |
| Average earning assets | $357,805,000 | 1,753 |
| Average equity | $60,000,000 | 1,112 |
| Average total loans | $276,998,000 | 1,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 3,820 |
| Cost of funding earning assets | 1.5253% | 5,402 |
| Net interest margin | 4.0337% | 2,727 |
| Noninterest income to average assets | 1.5626% | 586 |
| Noninterest expense to average assets | 3.4765% | 2,436 |
| Loan and lease loss provision to assets | 0.2444% | 5,429 |
| Net operating income to assets | 1.0691% | 1,599 |
| Return on assets (ROA) | 1.0523% | 1,698 |
| Pretax return on assets | 1.4442% | 1,327 |
| Return on Equity (ROE) | 7.4855% | 2,584 |
| Retained earnings to average equity (ytd only) | 7.4855% | 824 |
| Net charge-offs to loans | 0.3047% | 4,726 |
| Credit loss provision to net charge-offs | 111.3143% | 4,939 |
| Earnings coverage of net charge-offs (x) | 7.7966% | 2,066 |
| Efficiency ratio | 67.0084% | 5,184 |
| Assets per employee ($millions) | 3.7855% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 7,659 |
| Loan loss allowance to noncurrent loans | 56.7438% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 5,739 |
| Noncurrent loans to loans | 0.8992% | 5,511 |
| Net loans and leases to total assets | 69.1028% | 3,460 |
| Net loans and leases to deposits | 125.0680% | 122 |
| Net loans and leases to core deposits | 140.6666% | 787 |
| Total domestic deposits to total assets | 55.2522% | 7,863 |
| Equity capital to assets | 14.7475% | 962 |
| Core capital (leverage) ratio | 15.9981% | 616 |
| Tier 1 risk-based capital ratio | 24.5349% | 896 |
| Total risk-based capital ratio | 25.0890% | 945 |
| Memoranda: | ||
| Average total assets | $398,565,600 | 1,724 |
| Average earning assets | $358,229,800 | 1,749 |
| Average equity | $56,028,000 | 1,176 |
| Average total loans | $287,206,200 | 1,668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 3,892 |
| Cost of funding earning assets | 1.5416% | 5,665 |
| Net interest margin | 4.0531% | 2,582 |
| Noninterest income to average assets | 1.5548% | 616 |
| Noninterest expense to average assets | 3.3067% | 2,893 |
| Loan and lease loss provision to assets | 0.2409% | 5,038 |
| Net operating income to assets | 1.1780% | 1,522 |
| Return on assets (ROA) | 1.1423% | 1,672 |
| Pretax return on assets | 1.6131% | 1,150 |
| Return on Equity (ROE) | 8.2280% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.2280% | 1,071 |
| Net charge-offs to loans | 0.2585% | 4,437 |
| Credit loss provision to net charge-offs | 128.1640% | 3,915 |
| Earnings coverage of net charge-offs (x) | 10.1301% | 2,003 |
| Efficiency ratio | 63.4557% | 5,849 |
| Assets per employee ($millions) | 3.4988% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 7,683 |
| Loan loss allowance to noncurrent loans | 33.6209% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 4,756 |
| Noncurrent loans to loans | 1.5585% | 4,302 |
| Net loans and leases to total assets | 71.7505% | 3,092 |
| Net loans and leases to deposits | 130.0891% | 108 |
| Net loans and leases to core deposits | 145.2487% | 718 |
| Total domestic deposits to total assets | 55.1549% | 7,934 |
| Equity capital to assets | 14.9387% | 1,022 |
| Core capital (leverage) ratio | 15.7229% | 723 |
| Tier 1 risk-based capital ratio | 24.8394% | 914 |
| Total risk-based capital ratio | 25.4311% | 961 |
| Memoranda: | ||
| Average total assets | $397,892,000 | 1,745 |
| Average earning assets | $358,927,000 | 1,758 |
| Average equity | $55,241,000 | 1,205 |
| Average total loans | $289,331,750 | 1,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 4,013 |
| Cost of funding earning assets | 1.6157% | 5,685 |
| Net interest margin | 3.9963% | 2,712 |
| Noninterest income to average assets | 1.3283% | 872 |
| Noninterest expense to average assets | 3.2368% | 3,204 |
| Loan and lease loss provision to assets | 0.1840% | 5,191 |
| Net operating income to assets | 1.0798% | 1,839 |
| Return on assets (ROA) | 1.0273% | 2,096 |
| Pretax return on assets | 1.4329% | 1,639 |
| Return on Equity (ROE) | 7.5875% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.5875% | 1,357 |
| Net charge-offs to loans | 0.3210% | 3,576 |
| Credit loss provision to net charge-offs | 78.6325% | 5,235 |
| Earnings coverage of net charge-offs (x) | 7.2201% | 2,475 |
| Efficiency ratio | 65.6989% | 5,600 |
| Assets per employee ($millions) | 3.5828% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4282% | 7,874 |
| Loan loss allowance to noncurrent loans | 34.6754% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 5,124 |
| Noncurrent loans to loans | 1.2349% | 4,741 |
| Net loans and leases to total assets | 72.1584% | 3,176 |
| Net loans and leases to deposits | 128.6884% | 130 |
| Net loans and leases to core deposits | 143.4295% | 858 |
| Total domestic deposits to total assets | 56.0722% | 8,005 |
| Equity capital to assets | 14.0573% | 1,295 |
| Core capital (leverage) ratio | 15.2662% | 864 |
| Tier 1 risk-based capital ratio | 24.1394% | 1,020 |
| Total risk-based capital ratio | 24.6248% | 1,078 |
| Memoranda: | ||
| Average total assets | $399,899,670 | 1,756 |
| Average earning assets | $360,086,000 | 1,778 |
| Average equity | $54,141,330 | 1,240 |
| Average total loans | $291,559,330 | 1,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 4,101 |
| Cost of funding earning assets | 1.6643% | 5,765 |
| Net interest margin | 3.9768% | 2,746 |
| Noninterest income to average assets | 0.8928% | 1,885 |
| Noninterest expense to average assets | 3.1758% | 3,090 |
| Loan and lease loss provision to assets | 0.1728% | 4,740 |
| Net operating income to assets | 0.8504% | 2,909 |
| Return on assets (ROA) | 0.7478% | 3,537 |
| Pretax return on assets | 0.9851% | 3,402 |
| Return on Equity (ROE) | 5.6287% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6287% | 2,811 |
| Net charge-offs to loans | 0.1589% | 3,694 |
| Credit loss provision to net charge-offs | 148.7179% | 2,810 |
| Earnings coverage of net charge-offs (x) | 11.1282% | 1,897 |
| Efficiency ratio | 71.0667% | 4,358 |
| Assets per employee ($millions) | 3.6229% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4723% | 7,861 |
| Loan loss allowance to noncurrent loans | 52.6316% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,438 |
| Noncurrent loans to loans | 0.8974% | 5,208 |
| Net loans and leases to total assets | 72.9738% | 3,008 |
| Net loans and leases to deposits | 132.7395% | 126 |
| Net loans and leases to core deposits | 147.7931% | 789 |
| Total domestic deposits to total assets | 54.9752% | 8,059 |
| Equity capital to assets | 13.4911% | 1,533 |
| Core capital (leverage) ratio | 14.5741% | 1,066 |
| Tier 1 risk-based capital ratio | 23.5169% | 1,138 |
| Total risk-based capital ratio | 24.0622% | 1,188 |
| Memoranda: | ||
| Average total assets | $402,795,500 | 1,744 |
| Average earning assets | $362,202,000 | 1,781 |
| Average equity | $53,511,500 | 1,261 |
| Average total loans | $294,536,500 | 1,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7759% | 6,516 |
| Cost of funding earning assets | 2.1989% | 5,604 |
| Net interest margin | 3.5771% | 4,986 |
| Noninterest income to average assets | 0.9535% | 1,752 |
| Noninterest expense to average assets | 3.0768% | 3,796 |
| Loan and lease loss provision to assets | 0.1036% | 6,052 |
| Net operating income to assets | 0.7655% | 3,590 |
| Return on assets (ROA) | 0.5714% | 4,298 |
| Pretax return on assets | 0.7355% | 4,286 |
| Return on Equity (ROE) | 4.1881% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.1881% | 2,517 |
| Net charge-offs to loans | 0.0876% | 5,491 |
| Credit loss provision to net charge-offs | 164.9606% | 3,120 |
| Earnings coverage of net charge-offs (x) | 17.3307% | 1,783 |
| Efficiency ratio | 73.8769% | 3,598 |
| Assets per employee ($millions) | 3.7007% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4456% | 7,926 |
| Loan loss allowance to noncurrent loans | 40.4216% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 4,818 |
| Noncurrent loans to loans | 1.1025% | 4,354 |
| Net loans and leases to total assets | 72.6052% | 3,458 |
| Net loans and leases to deposits | 137.9158% | 121 |
| Net loans and leases to core deposits | 153.7360% | 724 |
| Total domestic deposits to total assets | 52.6446% | 8,105 |
| Equity capital to assets | 13.0833% | 1,749 |
| Core capital (leverage) ratio | 14.4624% | 1,151 |
| Tier 1 risk-based capital ratio | 22.8796% | 1,212 |
| Total risk-based capital ratio | 23.3948% | 1,262 |
| Memoranda: | ||
| Average total assets | $404,609,200 | 1,683 |
| Average earning assets | $363,231,200 | 1,711 |
| Average equity | $55,203,400 | 1,220 |
| Average total loans | $290,093,600 | 1,666 |