Home > Geddes Federal Savings and Loan Association > Performance and Condition Ratios
Geddes Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,221 |
| Cost of funding earning assets | 2.0630% | 824 |
| Net interest margin | 1.6934% | 4,475 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.4824% | 4,336 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.1072% | 4,246 |
| Return on assets (ROA) | 0.1072% | 4,271 |
| Pretax return on assets | 0.1233% | 4,257 |
| Return on Equity (ROE) | 0.6800% | 4,289 |
| Retained earnings to average equity (ytd only) | 0.6784% | 3,906 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.5264% | 398 |
| Assets per employee ($millions) | 15.1149% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2024% | 4,448 |
| Loan loss allowance to noncurrent loans | 124.4344% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,361 |
| Noncurrent loans to loans | 0.1627% | 2,707 |
| Net loans and leases to total assets | 83.4400% | 312 |
| Net loans and leases to deposits | 120.4494% | 84 |
| Net loans and leases to core deposits | 147.0975% | 224 |
| Total domestic deposits to total assets | 69.2700% | 4,314 |
| Equity capital to assets | 15.2058% | 535 |
| Core capital (leverage) ratio | 15.4518% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $625,277,600 | 1,425 |
| Average earning assets | $597,613,000 | 1,382 |
| Average equity | $98,755,200 | 955 |
| Average total loans | $529,093,000 | 1,183 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,218 |
| Cost of funding earning assets | 1.9074% | 851 |
| Net interest margin | 1.7838% | 4,484 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.4513% | 4,352 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.2007% | 4,226 |
| Return on assets (ROA) | 0.2007% | 4,243 |
| Pretax return on assets | 0.2412% | 4,211 |
| Return on Equity (ROE) | 1.2600% | 4,287 |
| Retained earnings to average equity (ytd only) | 1.2585% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1428% | 606 |
| Assets per employee ($millions) | 14.0873% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1902% | 4,468 |
| Loan loss allowance to noncurrent loans | 90.3141% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 2,154 |
| Noncurrent loans to loans | 0.2106% | 2,508 |
| Net loans and leases to total assets | 85.6900% | 172 |
| Net loans and leases to deposits | 125.4241% | 57 |
| Net loans and leases to core deposits | 152.2130% | 138 |
| Total domestic deposits to total assets | 68.3200% | 4,365 |
| Equity capital to assets | 15.6200% | 479 |
| Core capital (leverage) ratio | 15.8872% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $619,111,500 | 1,438 |
| Average earning assets | $592,280,750 | 1,398 |
| Average equity | $98,736,750 | 954 |
| Average total loans | $525,517,000 | 1,182 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,224 |
| Cost of funding earning assets | 1.7653% | 791 |
| Net interest margin | 1.8611% | 4,524 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.3840% | 4,429 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2866% | 4,174 |
| Return on assets (ROA) | 0.2866% | 4,204 |
| Pretax return on assets | 0.3533% | 4,176 |
| Return on Equity (ROE) | 1.7800% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.7842% | 3,762 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1185% | 1,082 |
| Assets per employee ($millions) | 14.0110% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1921% | 4,502 |
| Loan loss allowance to noncurrent loans | 78.6552% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 1,953 |
| Noncurrent loans to loans | 0.2443% | 2,281 |
| Net loans and leases to total assets | 84.7700% | 227 |
| Net loans and leases to deposits | 120.4891% | 86 |
| Net loans and leases to core deposits | 145.3129% | 165 |
| Total domestic deposits to total assets | 70.3500% | 4,351 |
| Equity capital to assets | 16.0599% | 439 |
| Core capital (leverage) ratio | 16.1858% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $614,172,000 | 1,443 |
| Average earning assets | $587,193,333 | 1,406 |
| Average equity | $98,642,333 | 949 |
| Average total loans | $519,268,667 | 1,180 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 4,197 |
| Cost of funding earning assets | 1.6445% | 637 |
| Net interest margin | 1.9195% | 4,582 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 1.3605% | 4,499 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3471% | 4,172 |
| Return on assets (ROA) | 0.3471% | 4,128 |
| Pretax return on assets | 0.4326% | 4,078 |
| Return on Equity (ROE) | 2.1600% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.1613% | 3,670 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9100% | 1,352 |
| Assets per employee ($millions) | 14.8633% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1919% | 4,563 |
| Loan loss allowance to noncurrent loans | 62.1775% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 1,649 |
| Noncurrent loans to loans | 0.3086% | 2,041 |
| Net loans and leases to total assets | 84.3300% | 215 |
| Net loans and leases to deposits | 118.1458% | 97 |
| Net loans and leases to core deposits | 144.6090% | 151 |
| Total domestic deposits to total assets | 71.3800% | 4,379 |
| Equity capital to assets | 16.1914% | 388 |
| Core capital (leverage) ratio | 16.1361% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $613,016,000 | 1,469 |
| Average earning assets | $584,727,000 | 1,433 |
| Average equity | $98,460,000 | 961 |
| Average total loans | $517,108,500 | 1,196 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 3,626 |
| Cost of funding earning assets | 1.1025% | 106 |
| Net interest margin | 2.1824% | 4,488 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.4486% | 4,472 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5317% | 4,033 |
| Return on assets (ROA) | 0.5317% | 3,989 |
| Pretax return on assets | 0.6253% | 3,986 |
| Return on Equity (ROE) | 3.3400% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.3378% | 3,614 |
| Net charge-offs to loans | 0.0020% | 2,463 |
| Credit loss provision to net charge-offs | 1,320.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 392.1000% | 393 |
| Efficiency ratio | 69.1236% | 1,808 |
| Assets per employee ($millions) | 14.6818% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1523% | 4,588 |
| Loan loss allowance to noncurrent loans | 46.1224% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,577 |
| Noncurrent loans to loans | 0.3302% | 1,971 |
| Net loans and leases to total assets | 84.0900% | 247 |
| Net loans and leases to deposits | 118.9493% | 75 |
| Net loans and leases to core deposits | 143.9148% | 117 |
| Total domestic deposits to total assets | 70.6900% | 4,459 |
| Equity capital to assets | 15.9332% | 392 |
| Core capital (leverage) ratio | 16.1115% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $605,975,200 | 1,463 |
| Average earning assets | $576,340,200 | 1,436 |
| Average equity | $96,531,800 | 969 |
| Average total loans | $500,721,000 | 1,177 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2267% | 3,367 |
| Cost of funding earning assets | 1.0403% | 52 |
| Net interest margin | 2.1865% | 4,471 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 1.4774% | 4,446 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4966% | 4,080 |
| Return on assets (ROA) | 0.4966% | 4,029 |
| Pretax return on assets | 0.6075% | 3,973 |
| Return on Equity (ROE) | 3.1200% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.1174% | 3,746 |
| Net charge-offs to loans | 0.0022% | 2,199 |
| Credit loss provision to net charge-offs | 800.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 351.6250% | 424 |
| Efficiency ratio | 70.3832% | 1,714 |
| Assets per employee ($millions) | 15.0492% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1417% | 4,627 |
| Loan loss allowance to noncurrent loans | 47.6660% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 1,761 |
| Noncurrent loans to loans | 0.2972% | 2,175 |
| Net loans and leases to total assets | 84.8800% | 194 |
| Net loans and leases to deposits | 116.5501% | 72 |
| Net loans and leases to core deposits | 141.3625% | 92 |
| Total domestic deposits to total assets | 72.8300% | 4,486 |
| Equity capital to assets | 16.1512% | 364 |
| Core capital (leverage) ratio | 16.0437% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $603,310,000 | 1,480 |
| Average earning assets | $573,693,750 | 1,445 |
| Average equity | $96,102,250 | 981 |
| Average total loans | $496,072,250 | 1,181 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1580% | 3,168 |
| Cost of funding earning assets | 1.0344% | 32 |
| Net interest margin | 2.1237% | 4,500 |
| Noninterest income to average assets | 0.0195% | 4,704 |
| Noninterest expense to average assets | 1.4287% | 4,502 |
| Loan and lease loss provision to assets | 0.0139% | 2,346 |
| Net operating income to assets | 0.4810% | 3,947 |
| Return on assets (ROA) | 0.4810% | 3,894 |
| Pretax return on assets | 0.5886% | 3,837 |
| Return on Equity (ROE) | 3.0336% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.0336% | 3,433 |
| Net charge-offs to loans | 0.0016% | 2,062 |
| Credit loss provision to net charge-offs | 1,050.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 454.7500% | 278 |
| Efficiency ratio | 70.3359% | 1,909 |
| Assets per employee ($millions) | 14.8005% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1425% | 4,698 |
| Loan loss allowance to noncurrent loans | 48.0299% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 1,871 |
| Noncurrent loans to loans | 0.2967% | 2,274 |
| Net loans and leases to total assets | 81.6513% | 305 |
| Net loans and leases to deposits | 110.7852% | 86 |
| Net loans and leases to core deposits | 133.0989% | 106 |
| Total domestic deposits to total assets | 73.7023% | 4,545 |
| Equity capital to assets | 15.8943% | 342 |
| Core capital (leverage) ratio | 15.9503% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,757,667 | 1,483 |
| Average earning assets | $571,937,667 | 1,466 |
| Average equity | $95,728,000 | 991 |
| Average total loans | $490,863,667 | 1,186 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1483% | 2,832 |
| Cost of funding earning assets | 1.0494% | 30 |
| Net interest margin | 2.0989% | 4,448 |
| Noninterest income to average assets | 0.0179% | 4,725 |
| Noninterest expense to average assets | 1.3869% | 4,555 |
| Loan and lease loss provision to assets | 0.0179% | 2,036 |
| Net operating income to assets | 0.4649% | 3,800 |
| Return on assets (ROA) | 0.4649% | 3,764 |
| Pretax return on assets | 0.6004% | 3,631 |
| Return on Equity (ROE) | 2.9360% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.9360% | 3,283 |
| Net charge-offs to loans | 0.0016% | 1,771 |
| Credit loss provision to net charge-offs | 1,350.0000% | 282 |
| Earnings coverage of net charge-offs (x) | 465.5000% | 220 |
| Efficiency ratio | 69.1620% | 2,355 |
| Assets per employee ($millions) | 14.7028% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1417% | 4,728 |
| Loan loss allowance to noncurrent loans | 57.3554% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,178 |
| Noncurrent loans to loans | 0.2470% | 2,605 |
| Net loans and leases to total assets | 81.1534% | 193 |
| Net loans and leases to deposits | 110.2143% | 67 |
| Net loans and leases to core deposits | 131.8367% | 85 |
| Total domestic deposits to total assets | 73.6324% | 4,583 |
| Equity capital to assets | 15.8765% | 325 |
| Core capital (leverage) ratio | 15.9793% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,225,500 | 1,497 |
| Average earning assets | $570,212,000 | 1,479 |
| Average equity | $95,367,000 | 1,022 |
| Average total loans | $488,203,000 | 1,179 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 3,365 |
| Cost of funding earning assets | 1.2298% | 27 |
| Net interest margin | 2.0129% | 4,595 |
| Noninterest income to average assets | 0.0170% | 4,774 |
| Noninterest expense to average assets | 1.4358% | 4,597 |
| Loan and lease loss provision to assets | 0.0170% | 2,735 |
| Net operating income to assets | 0.3639% | 4,324 |
| Return on assets (ROA) | 0.3639% | 4,354 |
| Pretax return on assets | 0.4613% | 4,310 |
| Return on Equity (ROE) | 2.2986% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.2986% | 3,884 |
| Net charge-offs to loans | 0.0006% | 2,675 |
| Credit loss provision to net charge-offs | 3,366.6667% | 197 |
| Earnings coverage of net charge-offs (x) | 946.0000% | 155 |
| Efficiency ratio | 75.0110% | 1,208 |
| Assets per employee ($millions) | 14.6740% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1375% | 4,764 |
| Loan loss allowance to noncurrent loans | 47.4805% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 2,160 |
| Noncurrent loans to loans | 0.2896% | 2,558 |
| Net loans and leases to total assets | 80.7528% | 237 |
| Net loans and leases to deposits | 110.8273% | 77 |
| Net loans and leases to core deposits | 132.7143% | 94 |
| Total domestic deposits to total assets | 72.8637% | 4,622 |
| Equity capital to assets | 15.7949% | 404 |
| Core capital (leverage) ratio | 15.9200% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $593,320,400 | 1,469 |
| Average earning assets | $559,204,600 | 1,455 |
| Average equity | $93,928,400 | 1,065 |
| Average total loans | $477,392,400 | 1,204 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 3,450 |
| Cost of funding earning assets | 1.2681% | 27 |
| Net interest margin | 2.0067% | 4,675 |
| Noninterest income to average assets | 0.0171% | 4,851 |
| Noninterest expense to average assets | 1.5059% | 4,588 |
| Loan and lease loss provision to assets | 0.0178% | 2,650 |
| Net operating income to assets | 0.3234% | 4,485 |
| Return on assets (ROA) | 0.3234% | 4,512 |
| Pretax return on assets | 0.3822% | 4,511 |
| Return on Equity (ROE) | 2.0415% | 4,588 |
| Retained earnings to average equity (ytd only) | 2.0415% | 4,179 |
| Net charge-offs to loans | 0.0006% | 2,435 |
| Credit loss provision to net charge-offs | 3,950.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 887.0000% | 180 |
| Efficiency ratio | 79.0109% | 810 |
| Assets per employee ($millions) | 14.3987% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1348% | 4,849 |
| Loan loss allowance to noncurrent loans | 42.6596% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 2,265 |
| Noncurrent loans to loans | 0.3159% | 2,650 |
| Net loans and leases to total assets | 81.3341% | 230 |
| Net loans and leases to deposits | 112.1963% | 81 |
| Net loans and leases to core deposits | 135.1667% | 95 |
| Total domestic deposits to total assets | 72.4927% | 4,674 |
| Equity capital to assets | 15.9748% | 417 |
| Core capital (leverage) ratio | 15.8237% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,241,500 | 1,488 |
| Average earning assets | $556,520,750 | 1,475 |
| Average equity | $93,653,500 | 1,077 |
| Average total loans | $475,113,750 | 1,229 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 3,437 |
| Cost of funding earning assets | 1.3070% | 28 |
| Net interest margin | 1.9885% | 4,714 |
| Noninterest income to average assets | 0.0159% | 4,889 |
| Noninterest expense to average assets | 1.4579% | 4,667 |
| Loan and lease loss provision to assets | 0.0233% | 2,502 |
| Net operating income to assets | 0.3367% | 4,481 |
| Return on assets (ROA) | 0.3367% | 4,506 |
| Pretax return on assets | 0.4003% | 4,499 |
| Return on Equity (ROE) | 2.1319% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,085 |
| Net charge-offs to loans | 0.0008% | 2,211 |
| Credit loss provision to net charge-offs | 3,450.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 626.5000% | 216 |
| Efficiency ratio | 77.4843% | 953 |
| Assets per employee ($millions) | 14.1851% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1367% | 4,881 |
| Loan loss allowance to noncurrent loans | 44.0912% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 2,571 |
| Noncurrent loans to loans | 0.3099% | 2,816 |
| Net loans and leases to total assets | 78.2571% | 427 |
| Net loans and leases to deposits | 107.4447% | 137 |
| Net loans and leases to core deposits | 129.5653% | 131 |
| Total domestic deposits to total assets | 72.8348% | 4,694 |
| Equity capital to assets | 15.7576% | 437 |
| Core capital (leverage) ratio | 15.7738% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,539,333 | 1,478 |
| Average earning assets | $554,993,667 | 1,473 |
| Average equity | $93,435,667 | 1,076 |
| Average total loans | $473,217,667 | 1,235 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 3,379 |
| Cost of funding earning assets | 1.3405% | 32 |
| Net interest margin | 1.9915% | 4,735 |
| Noninterest income to average assets | 0.0143% | 4,915 |
| Noninterest expense to average assets | 1.3376% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4391% | 4,290 |
| Return on assets (ROA) | 0.4391% | 4,321 |
| Pretax return on assets | 0.5348% | 4,297 |
| Return on Equity (ROE) | 2.7764% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.7764% | 3,844 |
| Net charge-offs to loans | 0.0008% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 120 |
| Efficiency ratio | 71.4389% | 1,550 |
| Assets per employee ($millions) | 14.0775% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1208% | 4,915 |
| Loan loss allowance to noncurrent loans | 32.4971% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 2,510 |
| Noncurrent loans to loans | 0.3718% | 2,757 |
| Net loans and leases to total assets | 79.6945% | 351 |
| Net loans and leases to deposits | 109.6526% | 137 |
| Net loans and leases to core deposits | 132.5989% | 128 |
| Total domestic deposits to total assets | 72.6791% | 4,706 |
| Equity capital to assets | 15.8191% | 411 |
| Core capital (leverage) ratio | 15.9793% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,421,000 | 1,472 |
| Average earning assets | $549,942,500 | 1,470 |
| Average equity | $93,213,500 | 1,066 |
| Average total loans | $476,389,000 | 1,229 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,017 |
| Cost of funding earning assets | 1.5409% | 68 |
| Net interest margin | 1.9665% | 4,841 |
| Noninterest income to average assets | 0.0153% | 4,927 |
| Noninterest expense to average assets | 1.4230% | 4,824 |
| Loan and lease loss provision to assets | 0.0090% | 4,244 |
| Net operating income to assets | 0.3634% | 4,317 |
| Return on assets (ROA) | 0.3634% | 4,393 |
| Pretax return on assets | 0.4452% | 4,357 |
| Return on Equity (ROE) | 2.2802% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.2802% | 3,714 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8035% | 1,255 |
| Assets per employee ($millions) | 13.9902% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1187% | 4,939 |
| Loan loss allowance to noncurrent loans | 38.3479% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 2,886 |
| Noncurrent loans to loans | 0.3096% | 3,098 |
| Net loans and leases to total assets | 81.7647% | 315 |
| Net loans and leases to deposits | 112.5933% | 132 |
| Net loans and leases to core deposits | 137.8567% | 137 |
| Total domestic deposits to total assets | 72.6195% | 4,689 |
| Equity capital to assets | 15.8097% | 453 |
| Core capital (leverage) ratio | 15.8903% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,808,000 | 1,377 |
| Average earning assets | $546,159,800 | 1,362 |
| Average equity | $91,922,000 | 1,039 |
| Average total loans | $493,225,000 | 1,153 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 4,172 |
| Cost of funding earning assets | 1.5733% | 86 |
| Net interest margin | 1.9472% | 4,902 |
| Noninterest income to average assets | 0.0153% | 4,961 |
| Noninterest expense to average assets | 1.3707% | 4,875 |
| Loan and lease loss provision to assets | 0.0228% | 4,043 |
| Net operating income to assets | 0.3867% | 4,290 |
| Return on assets (ROA) | 0.3867% | 4,351 |
| Pretax return on assets | 0.4735% | 4,334 |
| Return on Equity (ROE) | 2.4214% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.4214% | 3,777 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4171% | 1,470 |
| Assets per employee ($millions) | 14.1897% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1255% | 4,976 |
| Loan loss allowance to noncurrent loans | 39.0506% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 2,949 |
| Noncurrent loans to loans | 0.3214% | 3,134 |
| Net loans and leases to total assets | 84.3865% | 244 |
| Net loans and leases to deposits | 116.5006% | 143 |
| Net loans and leases to core deposits | 142.9050% | 149 |
| Total domestic deposits to total assets | 72.4344% | 4,672 |
| Equity capital to assets | 15.8940% | 481 |
| Core capital (leverage) ratio | 15.7706% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,113,250 | 1,360 |
| Average earning assets | $545,920,250 | 1,336 |
| Average equity | $91,678,500 | 1,029 |
| Average total loans | $496,278,750 | 1,134 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,271 |
| Cost of funding earning assets | 1.6015% | 113 |
| Net interest margin | 1.9905% | 4,948 |
| Noninterest income to average assets | 0.0150% | 4,982 |
| Noninterest expense to average assets | 1.3696% | 4,915 |
| Loan and lease loss provision to assets | 0.0199% | 3,992 |
| Net operating income to assets | 0.4227% | 4,182 |
| Return on assets (ROA) | 0.4227% | 4,244 |
| Pretax return on assets | 0.5200% | 4,218 |
| Return on Equity (ROE) | 2.6429% | 4,414 |
| Retained earnings to average equity (ytd only) | 2.6429% | 3,532 |
| Net charge-offs to loans | -0.0004% | 3,720 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7244% | 1,729 |
| Assets per employee ($millions) | 15.3222% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1170% | 5,011 |
| Loan loss allowance to noncurrent loans | 27.4762% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 2,731 |
| Noncurrent loans to loans | 0.4258% | 2,885 |
| Net loans and leases to total assets | 84.6099% | 214 |
| Net loans and leases to deposits | 116.6350% | 120 |
| Net loans and leases to core deposits | 142.9023% | 145 |
| Total domestic deposits to total assets | 72.5425% | 4,682 |
| Equity capital to assets | 15.8025% | 492 |
| Core capital (leverage) ratio | 15.9156% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1834% | 280 |
| Memoranda: | ||
| Average total assets | $571,558,000 | 1,346 |
| Average earning assets | $543,982,333 | 1,322 |
| Average equity | $91,415,333 | 1,022 |
| Average total loans | $497,851,667 | 1,120 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,490 |
| Cost of funding earning assets | 1.6245% | 175 |
| Net interest margin | 2.0101% | 5,009 |
| Noninterest income to average assets | 0.0155% | 5,033 |
| Noninterest expense to average assets | 1.3211% | 4,996 |
| Loan and lease loss provision to assets | 0.0184% | 3,561 |
| Net operating income to assets | 0.4924% | 3,911 |
| Return on assets (ROA) | 0.4924% | 3,969 |
| Pretax return on assets | 0.6097% | 3,904 |
| Return on Equity (ROE) | 3.0598% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.0598% | 3,055 |
| Net charge-offs to loans | 0.0008% | 2,572 |
| Credit loss provision to net charge-offs | 2,600.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 60 |
| Efficiency ratio | 67.7782% | 2,710 |
| Assets per employee ($millions) | 14.3417% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1090% | 5,048 |
| Loan loss allowance to noncurrent loans | 26.3950% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 2,886 |
| Noncurrent loans to loans | 0.4131% | 3,013 |
| Net loans and leases to total assets | 86.8715% | 101 |
| Net loans and leases to deposits | 120.3487% | 74 |
| Net loans and leases to core deposits | 148.2474% | 123 |
| Total domestic deposits to total assets | 72.1832% | 4,759 |
| Equity capital to assets | 15.9417% | 592 |
| Core capital (leverage) ratio | 16.2364% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $566,214,500 | 1,319 |
| Average earning assets | $544,657,000 | 1,273 |
| Average equity | $91,118,500 | 1,024 |
| Average total loans | $500,170,500 | 1,096 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,617 |
| Cost of funding earning assets | 1.6399% | 256 |
| Net interest margin | 2.1248% | 5,075 |
| Noninterest income to average assets | -0.0013% | 5,140 |
| Noninterest expense to average assets | 1.4082% | 5,036 |
| Loan and lease loss provision to assets | 0.0292% | 3,429 |
| Net operating income to assets | 0.4670% | 4,475 |
| Return on assets (ROA) | 0.4670% | 4,514 |
| Pretax return on assets | 0.5821% | 4,437 |
| Return on Equity (ROE) | 2.8616% | 4,687 |
| Retained earnings to average equity (ytd only) | 2.8616% | 3,607 |
| Net charge-offs to loans | 0.0132% | 3,218 |
| Credit loss provision to net charge-offs | 242.4242% | 1,118 |
| Earnings coverage of net charge-offs (x) | 50.7727% | 1,118 |
| Efficiency ratio | 69.7317% | 2,211 |
| Assets per employee ($millions) | 13.9691% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1035% | 5,105 |
| Loan loss allowance to noncurrent loans | 30.4042% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,072 |
| Noncurrent loans to loans | 0.3404% | 3,225 |
| Net loans and leases to total assets | 89.6491% | 51 |
| Net loans and leases to deposits | 122.1652% | 73 |
| Net loans and leases to core deposits | 148.9177% | 124 |
| Total domestic deposits to total assets | 73.3835% | 4,802 |
| Equity capital to assets | 16.2475% | 562 |
| Core capital (leverage) ratio | 16.2443% | 492 |
| Tier 1 risk-based capital ratio | 29.1943% | 505 |
| Total risk-based capital ratio | 29.3613% | 542 |
| Memoranda: | ||
| Average total assets | $548,211,400 | 1,309 |
| Average earning assets | $521,358,800 | 1,288 |
| Average equity | $89,459,800 | 982 |
| Average total loans | $500,150,400 | 1,077 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 4,750 |
| Cost of funding earning assets | 1.6216% | 270 |
| Net interest margin | 2.1054% | 5,169 |
| Noninterest income to average assets | -0.0134% | 5,224 |
| Noninterest expense to average assets | 1.4631% | 5,088 |
| Loan and lease loss provision to assets | 0.0376% | 3,144 |
| Net operating income to assets | 0.3871% | 4,744 |
| Return on assets (ROA) | 0.3871% | 4,767 |
| Pretax return on assets | 0.4810% | 4,722 |
| Return on Equity (ROE) | 2.3696% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.3696% | 4,149 |
| Net charge-offs to loans | 0.0173% | 2,788 |
| Credit loss provision to net charge-offs | 236.9231% | 1,139 |
| Earnings coverage of net charge-offs (x) | 32.6478% | 1,551 |
| Efficiency ratio | 73.8315% | 1,595 |
| Assets per employee ($millions) | 15.0922% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1034% | 5,180 |
| Loan loss allowance to noncurrent loans | 34.5895% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 3,363 |
| Noncurrent loans to loans | 0.2990% | 3,468 |
| Net loans and leases to total assets | 88.9173% | 69 |
| Net loans and leases to deposits | 120.8840% | 87 |
| Net loans and leases to core deposits | 147.4182% | 135 |
| Total domestic deposits to total assets | 73.5559% | 4,834 |
| Equity capital to assets | 16.0939% | 617 |
| Core capital (leverage) ratio | 16.3948% | 512 |
| Tier 1 risk-based capital ratio | 28.9040% | 519 |
| Total risk-based capital ratio | 29.0714% | 573 |
| Memoranda: | ||
| Average total assets | $545,573,750 | 1,320 |
| Average earning assets | $517,001,500 | 1,300 |
| Average equity | $89,128,500 | 986 |
| Average total loans | $499,827,000 | 1,079 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,749 |
| Cost of funding earning assets | 1.6044% | 262 |
| Net interest margin | 2.1650% | 5,218 |
| Noninterest income to average assets | 0.0137% | 5,230 |
| Noninterest expense to average assets | 1.4421% | 5,145 |
| Loan and lease loss provision to assets | 0.0325% | 3,185 |
| Net operating income to assets | 0.4622% | 4,611 |
| Return on assets (ROA) | 0.4622% | 4,643 |
| Pretax return on assets | 0.5779% | 4,583 |
| Return on Equity (ROE) | 2.8150% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.8150% | 3,806 |
| Net charge-offs to loans | 0.0248% | 2,355 |
| Credit loss provision to net charge-offs | 141.9355% | 1,550 |
| Earnings coverage of net charge-offs (x) | 26.6452% | 1,566 |
| Efficiency ratio | 70.2610% | 2,181 |
| Assets per employee ($millions) | 13.5059% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0906% | 5,235 |
| Loan loss allowance to noncurrent loans | 42.7894% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,259 |
| Noncurrent loans to loans | 0.2116% | 3,785 |
| Net loans and leases to total assets | 92.1090% | 20 |
| Net loans and leases to deposits | 119.0400% | 96 |
| Net loans and leases to core deposits | 144.5018% | 161 |
| Total domestic deposits to total assets | 77.3765% | 4,512 |
| Equity capital to assets | 16.5724% | 522 |
| Core capital (leverage) ratio | 16.4705% | 490 |
| Tier 1 risk-based capital ratio | 30.8035% | 459 |
| Total risk-based capital ratio | 30.9602% | 484 |
| Memoranda: | ||
| Average total assets | $541,294,330 | 1,330 |
| Average earning assets | $509,736,330 | 1,314 |
| Average equity | $88,881,330 | 980 |
| Average total loans | $500,756,330 | 1,078 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 4,836 |
| Cost of funding earning assets | 1.5429% | 283 |
| Net interest margin | 2.1643% | 5,286 |
| Noninterest income to average assets | 0.0126% | 5,291 |
| Noninterest expense to average assets | 1.3783% | 5,232 |
| Loan and lease loss provision to assets | 0.0347% | 2,930 |
| Net operating income to assets | 0.5079% | 4,500 |
| Return on assets (ROA) | 0.5079% | 4,520 |
| Pretax return on assets | 0.6386% | 4,443 |
| Return on Equity (ROE) | 3.1076% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.1076% | 3,695 |
| Net charge-offs to loans | 0.0351% | 1,768 |
| Credit loss provision to net charge-offs | 106.8182% | 1,518 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,548 |
| Efficiency ratio | 67.1824% | 2,765 |
| Assets per employee ($millions) | 13.9913% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0856% | 5,303 |
| Loan loss allowance to noncurrent loans | 34.4051% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 3,205 |
| Noncurrent loans to loans | 0.2488% | 3,672 |
| Net loans and leases to total assets | 91.5500% | 23 |
| Net loans and leases to deposits | 119.6125% | 91 |
| Net loans and leases to core deposits | 144.5736% | 151 |
| Total domestic deposits to total assets | 76.5388% | 4,702 |
| Equity capital to assets | 16.2935% | 533 |
| Core capital (leverage) ratio | 16.5908% | 468 |
| Tier 1 risk-based capital ratio | 30.0809% | 474 |
| Total risk-based capital ratio | 30.2260% | 504 |
| Memoranda: | ||
| Average total assets | $541,824,000 | 1,334 |
| Average earning assets | $510,474,000 | 1,316 |
| Average equity | $88,557,000 | 980 |
| Average total loans | $502,106,500 | 1,076 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,752 |
| Cost of funding earning assets | 1.2849% | 235 |
| Net interest margin | 2.3593% | 5,264 |
| Noninterest income to average assets | 0.0150% | 5,329 |
| Noninterest expense to average assets | 1.5101% | 5,221 |
| Loan and lease loss provision to assets | -0.0004% | 5,075 |
| Net operating income to assets | 0.6094% | 4,388 |
| Return on assets (ROA) | 0.6094% | 4,397 |
| Pretax return on assets | 0.7633% | 4,262 |
| Return on Equity (ROE) | 3.7627% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.7627% | 3,499 |
| Net charge-offs to loans | -0.0325% | 4,840 |
| Credit loss provision to net charge-offs | 1.2422% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4363% | 2,794 |
| Assets per employee ($millions) | 13.4497% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0843% | 5,347 |
| Loan loss allowance to noncurrent loans | 28.6775% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,916 |
| Noncurrent loans to loans | 0.2939% | 3,509 |
| Net loans and leases to total assets | 93.6467% | 10 |
| Net loans and leases to deposits | 123.0690% | 75 |
| Net loans and leases to core deposits | 146.9808% | 151 |
| Total domestic deposits to total assets | 76.0928% | 4,745 |
| Equity capital to assets | 16.3957% | 481 |
| Core capital (leverage) ratio | 16.4599% | 461 |
| Tier 1 risk-based capital ratio | 29.6257% | 482 |
| Total risk-based capital ratio | 29.7684% | 532 |
| Memoranda: | ||
| Average total assets | $534,809,200 | 1,320 |
| Average earning assets | $511,852,800 | 1,283 |
| Average equity | $86,614,000 | 965 |
| Average total loans | $495,781,400 | 1,057 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,789 |
| Cost of funding earning assets | 1.2367% | 208 |
| Net interest margin | 2.3718% | 5,329 |
| Noninterest income to average assets | 0.0090% | 5,412 |
| Noninterest expense to average assets | 1.4661% | 5,301 |
| Loan and lease loss provision to assets | 0.0057% | 3,862 |
| Net operating income to assets | 0.6464% | 4,375 |
| Return on assets (ROA) | 0.6464% | 4,385 |
| Pretax return on assets | 0.8102% | 4,264 |
| Return on Equity (ROE) | 4.0038% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,768 |
| Net charge-offs to loans | -0.0286% | 4,730 |
| Credit loss provision to net charge-offs | -21.6981% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2451% | 3,140 |
| Assets per employee ($millions) | 12.9599% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0793% | 5,421 |
| Loan loss allowance to noncurrent loans | 34.8940% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,210 |
| Noncurrent loans to loans | 0.2272% | 3,892 |
| Net loans and leases to total assets | 93.6882% | 11 |
| Net loans and leases to deposits | 121.8692% | 87 |
| Net loans and leases to core deposits | 146.5661% | 156 |
| Total domestic deposits to total assets | 76.8761% | 4,664 |
| Equity capital to assets | 16.4730% | 459 |
| Core capital (leverage) ratio | 16.2526% | 486 |
| Tier 1 risk-based capital ratio | 29.6360% | 496 |
| Total risk-based capital ratio | 29.7697% | 534 |
| Memoranda: | ||
| Average total assets | $534,014,250 | 1,326 |
| Average earning assets | $511,770,500 | 1,288 |
| Average equity | $86,215,750 | 965 |
| Average total loans | $493,668,250 | 1,063 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,808 |
| Cost of funding earning assets | 1.2061% | 182 |
| Net interest margin | 2.3675% | 5,394 |
| Noninterest income to average assets | 0.0007% | 5,486 |
| Noninterest expense to average assets | 1.4590% | 5,363 |
| Loan and lease loss provision to assets | 0.0056% | 3,720 |
| Net operating income to assets | 0.6356% | 4,395 |
| Return on assets (ROA) | 0.6356% | 4,400 |
| Pretax return on assets | 0.7983% | 4,251 |
| Return on Equity (ROE) | 3.9637% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,626 |
| Net charge-offs to loans | -0.0443% | 4,878 |
| Credit loss provision to net charge-offs | -13.7615% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4746% | 3,251 |
| Assets per employee ($millions) | 13.2019% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1119% | 5,474 |
| Loan loss allowance to noncurrent loans | 36.1799% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 3,082 |
| Noncurrent loans to loans | 0.3094% | 3,598 |
| Net loans and leases to total assets | 91.5041% | 40 |
| Net loans and leases to deposits | 118.1735% | 126 |
| Net loans and leases to core deposits | 142.1682% | 174 |
| Total domestic deposits to total assets | 77.4320% | 4,672 |
| Equity capital to assets | 16.0087% | 502 |
| Core capital (leverage) ratio | 16.0430% | 486 |
| Tier 1 risk-based capital ratio | 29.2217% | 508 |
| Total risk-based capital ratio | 29.4092% | 546 |
| Memoranda: | ||
| Average total assets | $534,901,000 | 1,330 |
| Average earning assets | $511,081,000 | 1,292 |
| Average equity | $85,777,670 | 972 |
| Average total loans | $492,154,000 | 1,065 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 4,843 |
| Cost of funding earning assets | 1.1507% | 175 |
| Net interest margin | 2.3697% | 5,452 |
| Noninterest income to average assets | -0.0414% | 5,582 |
| Noninterest expense to average assets | 1.4707% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6011% | 4,423 |
| Return on assets (ROA) | 0.6011% | 4,429 |
| Pretax return on assets | 0.7606% | 4,256 |
| Return on Equity (ROE) | 3.7450% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.7450% | 3,698 |
| Net charge-offs to loans | 0.0114% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 72.2143% | 755 |
| Efficiency ratio | 65.9137% | 3,173 |
| Assets per employee ($millions) | 12.7987% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0882% | 5,540 |
| Loan loss allowance to noncurrent loans | 34.2585% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,230 |
| Noncurrent loans to loans | 0.2574% | 3,833 |
| Net loans and leases to total assets | 91.0624% | 41 |
| Net loans and leases to deposits | 119.0417% | 125 |
| Net loans and leases to core deposits | 142.7276% | 190 |
| Total domestic deposits to total assets | 76.4962% | 4,922 |
| Equity capital to assets | 15.9499% | 492 |
| Core capital (leverage) ratio | 16.1895% | 466 |
| Tier 1 risk-based capital ratio | 29.2874% | 501 |
| Total risk-based capital ratio | 29.4356% | 543 |
| Memoranda: | ||
| Average total assets | $531,713,500 | 1,346 |
| Average earning assets | $509,935,500 | 1,303 |
| Average equity | $85,341,000 | 980 |
| Average total loans | $490,308,500 | 1,075 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,673 |
| Cost of funding earning assets | 1.1411% | 103 |
| Net interest margin | 2.4170% | 5,454 |
| Noninterest income to average assets | 0.0457% | 5,543 |
| Noninterest expense to average assets | 1.4137% | 5,512 |
| Loan and lease loss provision to assets | 0.0196% | 3,905 |
| Net operating income to assets | 0.6258% | 3,908 |
| Return on assets (ROA) | 0.6258% | 3,945 |
| Pretax return on assets | 0.9481% | 3,747 |
| Return on Equity (ROE) | 4.0226% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.0226% | 2,779 |
| Net charge-offs to loans | 0.0710% | 2,435 |
| Credit loss provision to net charge-offs | 30.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 14.8114% | 2,299 |
| Efficiency ratio | 59.3635% | 4,357 |
| Assets per employee ($millions) | 12.5210% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0909% | 5,603 |
| Loan loss allowance to noncurrent loans | 22.4912% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,149 |
| Noncurrent loans to loans | 0.4041% | 3,314 |
| Net loans and leases to total assets | 93.2220% | 16 |
| Net loans and leases to deposits | 119.3994% | 119 |
| Net loans and leases to core deposits | 141.7682% | 193 |
| Total domestic deposits to total assets | 78.0758% | 4,704 |
| Equity capital to assets | 16.1527% | 493 |
| Core capital (leverage) ratio | 16.1348% | 457 |
| Tier 1 risk-based capital ratio | 29.4596% | 480 |
| Total risk-based capital ratio | 29.6143% | 519 |
| Memoranda: | ||
| Average total assets | $535,676,200 | 1,311 |
| Average earning assets | $517,662,400 | 1,265 |
| Average equity | $83,328,800 | 973 |
| Average total loans | $493,203,200 | 1,043 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 4,695 |
| Cost of funding earning assets | 1.1392% | 95 |
| Net interest margin | 2.4100% | 5,520 |
| Noninterest income to average assets | 0.0543% | 5,598 |
| Noninterest expense to average assets | 1.3434% | 5,599 |
| Loan and lease loss provision to assets | 0.0260% | 3,616 |
| Net operating income to assets | 0.6660% | 4,135 |
| Return on assets (ROA) | 0.6660% | 4,191 |
| Pretax return on assets | 1.0116% | 3,642 |
| Return on Equity (ROE) | 4.3219% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.3219% | 3,336 |
| Net charge-offs to loans | 0.0958% | 1,830 |
| Credit loss provision to net charge-offs | 29.5775% | 3,080 |
| Earnings coverage of net charge-offs (x) | 11.7972% | 2,474 |
| Efficiency ratio | 56.4204% | 4,685 |
| Assets per employee ($millions) | 12.7135% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0901% | 5,672 |
| Loan loss allowance to noncurrent loans | 21.3043% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,425 |
| Noncurrent loans to loans | 0.4230% | 3,434 |
| Net loans and leases to total assets | 91.5740% | 42 |
| Net loans and leases to deposits | 116.7206% | 144 |
| Net loans and leases to core deposits | 139.3685% | 206 |
| Total domestic deposits to total assets | 78.4557% | 4,637 |
| Equity capital to assets | 15.7842% | 581 |
| Core capital (leverage) ratio | 15.6369% | 553 |
| Tier 1 risk-based capital ratio | 29.6687% | 488 |
| Total risk-based capital ratio | 29.8240% | 532 |
| Memoranda: | ||
| Average total assets | $538,125,250 | 1,313 |
| Average earning assets | $519,547,000 | 1,269 |
| Average equity | $82,925,000 | 983 |
| Average total loans | $493,833,500 | 1,043 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,658 |
| Cost of funding earning assets | 1.1315% | 86 |
| Net interest margin | 2.4079% | 5,565 |
| Noninterest income to average assets | 0.0541% | 5,642 |
| Noninterest expense to average assets | 1.3260% | 5,658 |
| Loan and lease loss provision to assets | 0.0367% | 3,272 |
| Net operating income to assets | 0.6695% | 3,985 |
| Return on assets (ROA) | 0.6695% | 4,042 |
| Pretax return on assets | 1.0194% | 3,485 |
| Return on Equity (ROE) | 4.3796% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.3796% | 3,096 |
| Net charge-offs to loans | 0.1304% | 1,377 |
| Credit loss provision to net charge-offs | 30.6502% | 2,720 |
| Earnings coverage of net charge-offs (x) | 8.8204% | 2,480 |
| Efficiency ratio | 55.6645% | 4,865 |
| Assets per employee ($millions) | 12.8811% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0947% | 5,719 |
| Loan loss allowance to noncurrent loans | 22.2593% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4018% | 3,496 |
| Noncurrent loans to loans | 0.4253% | 3,493 |
| Net loans and leases to total assets | 91.0899% | 55 |
| Net loans and leases to deposits | 115.3106% | 173 |
| Net loans and leases to core deposits | 138.8440% | 195 |
| Total domestic deposits to total assets | 78.9953% | 4,621 |
| Equity capital to assets | 15.4151% | 631 |
| Core capital (leverage) ratio | 15.4746% | 552 |
| Tier 1 risk-based capital ratio | 28.5735% | 521 |
| Total risk-based capital ratio | 28.7335% | 569 |
| Memoranda: | ||
| Average total assets | $539,512,000 | 1,323 |
| Average earning assets | $521,611,670 | 1,274 |
| Average equity | $82,472,670 | 990 |
| Average total loans | $495,306,670 | 1,035 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 4,665 |
| Cost of funding earning assets | 1.0895% | 100 |
| Net interest margin | 2.4206% | 5,608 |
| Noninterest income to average assets | 0.0624% | 5,698 |
| Noninterest expense to average assets | 1.3601% | 5,713 |
| Loan and lease loss provision to assets | 0.0661% | 2,479 |
| Net operating income to assets | 0.6444% | 3,957 |
| Return on assets (ROA) | 0.6444% | 3,991 |
| Pretax return on assets | 0.9785% | 3,463 |
| Return on Equity (ROE) | 4.2336% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.2336% | 3,330 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5607% | 4,879 |
| Assets per employee ($millions) | 13.1410% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1573% | 5,786 |
| Loan loss allowance to noncurrent loans | 32.9531% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 3,430 |
| Noncurrent loans to loans | 0.4772% | 3,378 |
| Net loans and leases to total assets | 91.9129% | 20 |
| Net loans and leases to deposits | 116.3749% | 116 |
| Net loans and leases to core deposits | 140.0002% | 168 |
| Total domestic deposits to total assets | 78.9800% | 4,828 |
| Equity capital to assets | 15.3025% | 594 |
| Core capital (leverage) ratio | 15.3502% | 548 |
| Tier 1 risk-based capital ratio | 29.0178% | 512 |
| Total risk-based capital ratio | 29.2923% | 544 |
| Memoranda: | ||
| Average total assets | $538,764,500 | 1,323 |
| Average earning assets | $521,357,000 | 1,269 |
| Average equity | $82,010,500 | 994 |
| Average total loans | $496,325,000 | 1,025 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 4,373 |
| Cost of funding earning assets | 1.2108% | 54 |
| Net interest margin | 2.4382% | 5,617 |
| Noninterest income to average assets | 0.0562% | 5,753 |
| Noninterest expense to average assets | 1.3940% | 5,775 |
| Loan and lease loss provision to assets | 0.0265% | 3,823 |
| Net operating income to assets | 0.6367% | 4,059 |
| Return on assets (ROA) | 0.6367% | 4,171 |
| Pretax return on assets | 0.9843% | 3,530 |
| Return on Equity (ROE) | 4.2879% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.2879% | 2,855 |
| Net charge-offs to loans | -0.0149% | 5,047 |
| Credit loss provision to net charge-offs | -195.8904% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9674% | 4,861 |
| Assets per employee ($millions) | 13.1402% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1391% | 5,843 |
| Loan loss allowance to noncurrent loans | 29.1807% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,509 |
| Noncurrent loans to loans | 0.4768% | 3,440 |
| Net loans and leases to total assets | 92.0597% | 30 |
| Net loans and leases to deposits | 116.2154% | 130 |
| Net loans and leases to core deposits | 139.6565% | 176 |
| Total domestic deposits to total assets | 79.2147% | 4,744 |
| Equity capital to assets | 15.1414% | 623 |
| Core capital (leverage) ratio | 15.1923% | 580 |
| Tier 1 risk-based capital ratio | 27.7270% | 580 |
| Total risk-based capital ratio | 27.9618% | 629 |
| Memoranda: | ||
| Average total assets | $538,863,400 | 1,284 |
| Average earning assets | $519,064,800 | 1,238 |
| Average equity | $80,015,600 | 987 |
| Average total loans | $490,702,200 | 990 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 4,380 |
| Cost of funding earning assets | 1.2288% | 46 |
| Net interest margin | 2.4282% | 5,699 |
| Noninterest income to average assets | 0.0500% | 5,835 |
| Noninterest expense to average assets | 1.3286% | 5,853 |
| Loan and lease loss provision to assets | 0.0292% | 3,657 |
| Net operating income to assets | 0.6742% | 3,990 |
| Return on assets (ROA) | 0.6742% | 4,107 |
| Pretax return on assets | 1.0253% | 3,531 |
| Return on Equity (ROE) | 4.5629% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.5629% | 3,099 |
| Net charge-offs to loans | -0.0196% | 5,001 |
| Credit loss provision to net charge-offs | -163.8889% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7517% | 5,087 |
| Assets per employee ($millions) | 12.4361% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1359% | 5,909 |
| Loan loss allowance to noncurrent loans | 25.0471% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 3,459 |
| Noncurrent loans to loans | 0.5426% | 3,369 |
| Net loans and leases to total assets | 91.3713% | 37 |
| Net loans and leases to deposits | 115.3612% | 165 |
| Net loans and leases to core deposits | 139.2759% | 204 |
| Total domestic deposits to total assets | 79.2045% | 4,671 |
| Equity capital to assets | 15.1254% | 707 |
| Core capital (leverage) ratio | 15.0061% | 633 |
| Tier 1 risk-based capital ratio | 27.4461% | 614 |
| Total risk-based capital ratio | 27.6718% | 665 |
| Memoranda: | ||
| Average total assets | $538,892,500 | 1,288 |
| Average earning assets | $517,796,500 | 1,236 |
| Average equity | $79,626,000 | 995 |
| Average total loans | $489,212,750 | 997 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,377 |
| Cost of funding earning assets | 1.1856% | 56 |
| Net interest margin | 2.4882% | 5,752 |
| Noninterest income to average assets | 0.0329% | 5,947 |
| Noninterest expense to average assets | 1.2645% | 5,959 |
| Loan and lease loss provision to assets | 0.0204% | 3,733 |
| Net operating income to assets | 0.7418% | 3,593 |
| Return on assets (ROA) | 0.7418% | 3,747 |
| Pretax return on assets | 1.1324% | 3,076 |
| Return on Equity (ROE) | 5.0602% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.0602% | 2,694 |
| Net charge-offs to loans | -0.0298% | 5,119 |
| Credit loss provision to net charge-offs | -75.3425% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3124% | 5,428 |
| Assets per employee ($millions) | 12.6460% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1241% | 5,990 |
| Loan loss allowance to noncurrent loans | 26.4242% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 3,828 |
| Noncurrent loans to loans | 0.4696% | 3,678 |
| Net loans and leases to total assets | 89.2556% | 89 |
| Net loans and leases to deposits | 114.3910% | 173 |
| Net loans and leases to core deposits | 136.7103% | 216 |
| Total domestic deposits to total assets | 78.0267% | 4,995 |
| Equity capital to assets | 14.7422% | 806 |
| Core capital (leverage) ratio | 14.7847% | 646 |
| Tier 1 risk-based capital ratio | 27.1903% | 636 |
| Total risk-based capital ratio | 27.3948% | 700 |
| Memoranda: | ||
| Average total assets | $540,273,000 | 1,287 |
| Average earning assets | $517,723,670 | 1,242 |
| Average equity | $79,207,000 | 1,004 |
| Average total loans | $489,192,330 | 996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,245 |
| Cost of funding earning assets | 1.1772% | 62 |
| Net interest margin | 2.5443% | 5,773 |
| Noninterest income to average assets | 0.0230% | 6,032 |
| Noninterest expense to average assets | 1.1959% | 6,032 |
| Loan and lease loss provision to assets | -0.0245% | 5,918 |
| Net operating income to assets | 0.8341% | 3,064 |
| Return on assets (ROA) | 0.8341% | 3,198 |
| Pretax return on assets | 1.2791% | 2,391 |
| Return on Equity (ROE) | 5.7057% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.7057% | 2,526 |
| Net charge-offs to loans | -0.0587% | 5,403 |
| Credit loss provision to net charge-offs | 45.8333% | 2,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8027% | 5,688 |
| Assets per employee ($millions) | 13.1429% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1051% | 6,058 |
| Loan loss allowance to noncurrent loans | 24.4181% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,004 |
| Noncurrent loans to loans | 0.4302% | 3,902 |
| Net loans and leases to total assets | 90.7059% | 51 |
| Net loans and leases to deposits | 116.7801% | 121 |
| Net loans and leases to core deposits | 137.9363% | 185 |
| Total domestic deposits to total assets | 77.6724% | 5,195 |
| Equity capital to assets | 14.7143% | 769 |
| Core capital (leverage) ratio | 14.8083% | 641 |
| Tier 1 risk-based capital ratio | 27.3299% | 653 |
| Total risk-based capital ratio | 27.5070% | 702 |
| Memoranda: | ||
| Average total assets | $538,520,000 | 1,291 |
| Average earning assets | $513,777,000 | 1,257 |
| Average equity | $78,728,000 | 1,009 |
| Average total loans | $490,810,500 | 994 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,893 |
| Cost of funding earning assets | 1.2113% | 53 |
| Net interest margin | 2.6358% | 5,723 |
| Noninterest income to average assets | 0.0481% | 6,016 |
| Noninterest expense to average assets | 1.3476% | 6,058 |
| Loan and lease loss provision to assets | 0.0283% | 3,805 |
| Net operating income to assets | 0.7983% | 3,349 |
| Return on assets (ROA) | 0.8109% | 3,370 |
| Pretax return on assets | 1.2145% | 2,606 |
| Return on Equity (ROE) | 5.6616% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.6616% | 1,977 |
| Net charge-offs to loans | 0.0178% | 3,928 |
| Credit loss provision to net charge-offs | 170.4545% | 1,584 |
| Earnings coverage of net charge-offs (x) | 73.7500% | 740 |
| Efficiency ratio | 52.4054% | 5,613 |
| Assets per employee ($millions) | 14.1627% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0965% | 6,111 |
| Loan loss allowance to noncurrent loans | 25.5651% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 4,163 |
| Noncurrent loans to loans | 0.3774% | 4,095 |
| Net loans and leases to total assets | 91.3921% | 37 |
| Net loans and leases to deposits | 117.2289% | 125 |
| Net loans and leases to core deposits | 137.4310% | 195 |
| Total domestic deposits to total assets | 77.9604% | 5,174 |
| Equity capital to assets | 14.5243% | 766 |
| Core capital (leverage) ratio | 14.5855% | 693 |
| Tier 1 risk-based capital ratio | 26.8433% | 685 |
| Total risk-based capital ratio | 27.0064% | 736 |
| Memoranda: | ||
| Average total assets | $530,271,600 | 1,275 |
| Average earning assets | $507,657,000 | 1,230 |
| Average equity | $75,950,000 | 1,004 |
| Average total loans | $494,105,200 | 950 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,854 |
| Cost of funding earning assets | 1.2099% | 56 |
| Net interest margin | 2.6595% | 5,773 |
| Noninterest income to average assets | 0.0495% | 6,097 |
| Noninterest expense to average assets | 1.3242% | 6,140 |
| Loan and lease loss provision to assets | 0.0818% | 2,536 |
| Net operating income to assets | 0.7425% | 3,719 |
| Return on assets (ROA) | 0.7425% | 3,809 |
| Pretax return on assets | 1.1897% | 2,857 |
| Return on Equity (ROE) | 5.2026% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.2026% | 2,776 |
| Net charge-offs to loans | 0.0798% | 2,418 |
| Credit loss provision to net charge-offs | 109.4595% | 2,119 |
| Earnings coverage of net charge-offs (x) | 17.0201% | 2,081 |
| Efficiency ratio | 51.0160% | 5,721 |
| Assets per employee ($millions) | 13.6584% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0896% | 6,201 |
| Loan loss allowance to noncurrent loans | 28.9560% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,434 |
| Noncurrent loans to loans | 0.3094% | 4,496 |
| Net loans and leases to total assets | 92.3136% | 24 |
| Net loans and leases to deposits | 118.3487% | 118 |
| Net loans and leases to core deposits | 139.0053% | 178 |
| Total domestic deposits to total assets | 78.0013% | 5,180 |
| Equity capital to assets | 14.4213% | 878 |
| Core capital (leverage) ratio | 14.3516% | 770 |
| Tier 1 risk-based capital ratio | 26.3714% | 738 |
| Total risk-based capital ratio | 26.5228% | 811 |
| Memoranda: | ||
| Average total assets | $528,294,000 | 1,287 |
| Average earning assets | $505,794,500 | 1,245 |
| Average equity | $75,395,750 | 1,016 |
| Average total loans | $494,548,750 | 952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,765 |
| Cost of funding earning assets | 1.2022% | 58 |
| Net interest margin | 2.6796% | 5,791 |
| Noninterest income to average assets | 0.0524% | 6,167 |
| Noninterest expense to average assets | 1.3097% | 6,223 |
| Loan and lease loss provision to assets | 0.0774% | 2,574 |
| Net operating income to assets | 0.7653% | 3,559 |
| Return on assets (ROA) | 0.7653% | 3,664 |
| Pretax return on assets | 1.2300% | 2,651 |
| Return on Equity (ROE) | 5.3816% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.3816% | 2,615 |
| Net charge-offs to loans | 0.0763% | 2,299 |
| Credit loss provision to net charge-offs | 107.9365% | 1,948 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,814 |
| Efficiency ratio | 50.0435% | 5,852 |
| Assets per employee ($millions) | 13.6706% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0867% | 6,274 |
| Loan loss allowance to noncurrent loans | 22.7176% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 4,261 |
| Noncurrent loans to loans | 0.3817% | 4,340 |
| Net loans and leases to total assets | 92.4943% | 21 |
| Net loans and leases to deposits | 118.2889% | 115 |
| Net loans and leases to core deposits | 137.9940% | 179 |
| Total domestic deposits to total assets | 78.1936% | 5,236 |
| Equity capital to assets | 14.2353% | 898 |
| Core capital (leverage) ratio | 14.3693% | 747 |
| Tier 1 risk-based capital ratio | 27.0458% | 706 |
| Total risk-based capital ratio | 27.1984% | 771 |
| Memoranda: | ||
| Average total assets | $526,832,670 | 1,297 |
| Average earning assets | $504,247,000 | 1,253 |
| Average equity | $74,921,330 | 1,028 |
| Average total loans | $495,340,000 | 950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,644 |
| Cost of funding earning assets | 1.1997% | 60 |
| Net interest margin | 2.6957% | 5,810 |
| Noninterest income to average assets | 0.0550% | 6,214 |
| Noninterest expense to average assets | 1.3054% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8280% | 3,126 |
| Return on assets (ROA) | 0.8280% | 3,251 |
| Pretax return on assets | 1.3344% | 2,133 |
| Return on Equity (ROE) | 5.8253% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.8253% | 2,595 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4502% | 5,951 |
| Assets per employee ($millions) | 13.8131% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0831% | 6,346 |
| Loan loss allowance to noncurrent loans | 16.3824% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 4,010 |
| Noncurrent loans to loans | 0.5073% | 4,063 |
| Net loans and leases to total assets | 94.5898% | 6 |
| Net loans and leases to deposits | 121.2025% | 77 |
| Net loans and leases to core deposits | 141.4510% | 147 |
| Total domestic deposits to total assets | 78.0428% | 5,442 |
| Equity capital to assets | 14.2832% | 895 |
| Core capital (leverage) ratio | 14.3639% | 724 |
| Tier 1 risk-based capital ratio | 26.7985% | 729 |
| Total risk-based capital ratio | 26.9461% | 800 |
| Memoranda: | ||
| Average total assets | $523,671,500 | 1,306 |
| Average earning assets | $502,141,500 | 1,258 |
| Average equity | $74,434,000 | 1,034 |
| Average total loans | $496,227,000 | 948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 3,757 |
| Cost of funding earning assets | 1.2335% | 73 |
| Net interest margin | 2.7583% | 5,863 |
| Noninterest income to average assets | 0.0160% | 6,362 |
| Noninterest expense to average assets | 1.4413% | 6,332 |
| Loan and lease loss provision to assets | 0.0400% | 3,774 |
| Net operating income to assets | 0.7407% | 3,673 |
| Return on assets (ROA) | 0.7407% | 3,781 |
| Pretax return on assets | 1.1785% | 2,739 |
| Return on Equity (ROE) | 5.3387% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.3387% | 2,378 |
| Net charge-offs to loans | 0.0343% | 4,145 |
| Credit loss provision to net charge-offs | 123.8095% | 1,931 |
| Earnings coverage of net charge-offs (x) | 37.6786% | 1,140 |
| Efficiency ratio | 54.1869% | 5,824 |
| Assets per employee ($millions) | 13.0611% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0833% | 6,436 |
| Loan loss allowance to noncurrent loans | 21.2887% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 4,578 |
| Noncurrent loans to loans | 0.3915% | 4,470 |
| Net loans and leases to total assets | 94.7713% | 4 |
| Net loans and leases to deposits | 121.6244% | 85 |
| Net loans and leases to core deposits | 141.4062% | 156 |
| Total domestic deposits to total assets | 77.9213% | 5,451 |
| Equity capital to assets | 14.1443% | 913 |
| Core capital (leverage) ratio | 14.1379% | 780 |
| Tier 1 risk-based capital ratio | 27.2741% | 660 |
| Total risk-based capital ratio | 27.4266% | 731 |
| Memoranda: | ||
| Average total assets | $519,474,400 | 1,295 |
| Average earning assets | $497,923,400 | 1,237 |
| Average equity | $72,076,800 | 1,017 |
| Average total loans | $489,530,800 | 913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,805 |
| Cost of funding earning assets | 1.2326% | 75 |
| Net interest margin | 2.7557% | 5,927 |
| Noninterest income to average assets | 0.0129% | 6,455 |
| Noninterest expense to average assets | 1.3556% | 6,435 |
| Loan and lease loss provision to assets | 0.0493% | 3,393 |
| Net operating income to assets | 0.7783% | 3,520 |
| Return on assets (ROA) | 0.7783% | 3,628 |
| Pretax return on assets | 1.2484% | 2,581 |
| Return on Equity (ROE) | 5.6369% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.6369% | 2,643 |
| Net charge-offs to loans | 0.0426% | 3,650 |
| Credit loss provision to net charge-offs | 123.0769% | 1,874 |
| Earnings coverage of net charge-offs (x) | 32.3661% | 1,304 |
| Efficiency ratio | 51.0898% | 6,045 |
| Assets per employee ($millions) | 13.0327% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0832% | 6,518 |
| Loan loss allowance to noncurrent loans | 15.5395% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 3,532 |
| Noncurrent loans to loans | 0.5352% | 4,332 |
| Net loans and leases to total assets | 94.2531% | 4 |
| Net loans and leases to deposits | 119.4253% | 103 |
| Net loans and leases to core deposits | 138.0505% | 162 |
| Total domestic deposits to total assets | 78.9222% | 5,343 |
| Equity capital to assets | 14.0203% | 996 |
| Core capital (leverage) ratio | 14.0115% | 840 |
| Tier 1 risk-based capital ratio | 27.0346% | 707 |
| Total risk-based capital ratio | 27.1860% | 772 |
| Memoranda: | ||
| Average total assets | $518,731,750 | 1,308 |
| Average earning assets | $497,049,750 | 1,250 |
| Average equity | $71,622,000 | 1,024 |
| Average total loans | $488,028,250 | 920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,804 |
| Cost of funding earning assets | 1.2293% | 78 |
| Net interest margin | 2.7524% | 5,984 |
| Noninterest income to average assets | 0.0166% | 6,518 |
| Noninterest expense to average assets | 1.3451% | 6,506 |
| Loan and lease loss provision to assets | 0.0286% | 3,707 |
| Net operating income to assets | 0.7944% | 3,363 |
| Return on assets (ROA) | 0.7944% | 3,460 |
| Pretax return on assets | 1.2760% | 2,348 |
| Return on Equity (ROE) | 5.7835% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.7835% | 2,460 |
| Net charge-offs to loans | 0.0181% | 3,857 |
| Credit loss provision to net charge-offs | 168.1818% | 1,341 |
| Earnings coverage of net charge-offs (x) | 76.7727% | 686 |
| Efficiency ratio | 50.7652% | 6,137 |
| Assets per employee ($millions) | 13.0570% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0823% | 6,586 |
| Loan loss allowance to noncurrent loans | 15.8350% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 4,548 |
| Noncurrent loans to loans | 0.5198% | 4,445 |
| Net loans and leases to total assets | 93.6616% | 9 |
| Net loans and leases to deposits | 118.2930% | 100 |
| Net loans and leases to core deposits | 136.9397% | 162 |
| Total domestic deposits to total assets | 79.1776% | 5,422 |
| Equity capital to assets | 13.8114% | 1,046 |
| Core capital (leverage) ratio | 13.7995% | 883 |
| Tier 1 risk-based capital ratio | 26.8693% | 710 |
| Total risk-based capital ratio | 27.0195% | 781 |
| Memoranda: | ||
| Average total assets | $517,873,330 | 1,299 |
| Average earning assets | $495,422,000 | 1,247 |
| Average equity | $71,133,000 | 1,024 |
| Average total loans | $486,785,330 | 918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,728 |
| Cost of funding earning assets | 1.2221% | 88 |
| Net interest margin | 2.7688% | 6,001 |
| Noninterest income to average assets | 0.0411% | 6,506 |
| Noninterest expense to average assets | 1.3086% | 6,598 |
| Loan and lease loss provision to assets | 0.0194% | 3,574 |
| Net operating income to assets | 0.8424% | 2,940 |
| Return on assets (ROA) | 0.8424% | 3,014 |
| Pretax return on assets | 1.3668% | 1,867 |
| Return on Equity (ROE) | 6.1501% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.1501% | 2,456 |
| Net charge-offs to loans | 0.0165% | 3,260 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 89.3500% | 499 |
| Efficiency ratio | 48.5607% | 6,331 |
| Assets per employee ($millions) | 12.8997% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0782% | 6,656 |
| Loan loss allowance to noncurrent loans | 13.8868% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 4,395 |
| Noncurrent loans to loans | 0.5633% | 4,470 |
| Net loans and leases to total assets | 93.5756% | 8 |
| Net loans and leases to deposits | 118.2910% | 83 |
| Net loans and leases to core deposits | 136.0523% | 148 |
| Total domestic deposits to total assets | 79.1063% | 5,666 |
| Equity capital to assets | 13.7943% | 990 |
| Core capital (leverage) ratio | 13.7794% | 897 |
| Tier 1 risk-based capital ratio | 26.8525% | 721 |
| Total risk-based capital ratio | 26.9952% | 789 |
| Memoranda: | ||
| Average total assets | $515,670,000 | 1,310 |
| Average earning assets | $494,221,000 | 1,256 |
| Average equity | $70,632,500 | 1,029 |
| Average total loans | $485,388,500 | 920 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,726 |
| Cost of funding earning assets | 1.2947% | 111 |
| Net interest margin | 2.8089% | 5,965 |
| Noninterest income to average assets | 0.0564% | 6,530 |
| Noninterest expense to average assets | 1.3485% | 6,658 |
| Loan and lease loss provision to assets | 0.0309% | 4,494 |
| Net operating income to assets | 0.8750% | 2,908 |
| Return on assets (ROA) | 0.8624% | 3,043 |
| Pretax return on assets | 1.3631% | 1,923 |
| Return on Equity (ROE) | 6.4401% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.4401% | 1,719 |
| Net charge-offs to loans | 0.0249% | 4,924 |
| Credit loss provision to net charge-offs | 131.9328% | 1,786 |
| Earnings coverage of net charge-offs (x) | 60.2941% | 685 |
| Efficiency ratio | 48.8195% | 6,457 |
| Assets per employee ($millions) | 12.8838% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0765% | 6,733 |
| Loan loss allowance to noncurrent loans | 12.7391% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 4,527 |
| Noncurrent loans to loans | 0.6005% | 4,483 |
| Net loans and leases to total assets | 94.5348% | 4 |
| Net loans and leases to deposits | 119.1595% | 73 |
| Net loans and leases to core deposits | 136.4357% | 148 |
| Total domestic deposits to total assets | 79.3347% | 5,594 |
| Equity capital to assets | 13.6001% | 1,035 |
| Core capital (leverage) ratio | 13.5859% | 933 |
| Tier 1 risk-based capital ratio | 26.3273% | 747 |
| Total risk-based capital ratio | 26.4675% | 818 |
| Memoranda: | ||
| Average total assets | $507,520,800 | 1,310 |
| Average earning assets | $488,903,400 | 1,253 |
| Average equity | $67,964,400 | 1,049 |
| Average total loans | $478,094,800 | 890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,663 |
| Cost of funding earning assets | 1.3104% | 114 |
| Net interest margin | 2.8142% | 5,990 |
| Noninterest income to average assets | 0.0699% | 6,574 |
| Noninterest expense to average assets | 1.3118% | 6,734 |
| Loan and lease loss provision to assets | 0.0285% | 4,438 |
| Net operating income to assets | 0.8985% | 2,841 |
| Return on assets (ROA) | 0.8985% | 2,961 |
| Pretax return on assets | 1.4386% | 1,804 |
| Return on Equity (ROE) | 6.7363% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.7363% | 2,010 |
| Net charge-offs to loans | 0.0196% | 4,742 |
| Credit loss provision to net charge-offs | 154.2857% | 1,532 |
| Earnings coverage of net charge-offs (x) | 79.4723% | 597 |
| Efficiency ratio | 47.2051% | 6,543 |
| Assets per employee ($millions) | 13.1933% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0769% | 6,818 |
| Loan loss allowance to noncurrent loans | 11.4137% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 4,532 |
| Noncurrent loans to loans | 0.6733% | 4,521 |
| Net loans and leases to total assets | 94.2519% | 5 |
| Net loans and leases to deposits | 118.6669% | 76 |
| Net loans and leases to core deposits | 135.7474% | 140 |
| Total domestic deposits to total assets | 79.4257% | 5,643 |
| Equity capital to assets | 13.4305% | 1,149 |
| Core capital (leverage) ratio | 13.4186% | 1,057 |
| Tier 1 risk-based capital ratio | 26.5011% | 743 |
| Total risk-based capital ratio | 26.6442% | 827 |
| Memoranda: | ||
| Average total assets | $505,563,250 | 1,324 |
| Average earning assets | $486,660,000 | 1,267 |
| Average equity | $67,433,500 | 1,067 |
| Average total loans | $475,728,750 | 894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,573 |
| Cost of funding earning assets | 1.3288% | 124 |
| Net interest margin | 2.8136% | 5,979 |
| Noninterest income to average assets | 0.0764% | 6,598 |
| Noninterest expense to average assets | 1.2866% | 6,798 |
| Loan and lease loss provision to assets | 0.0235% | 4,444 |
| Net operating income to assets | 0.9209% | 2,695 |
| Return on assets (ROA) | 0.9209% | 2,835 |
| Pretax return on assets | 1.4788% | 1,677 |
| Return on Equity (ROE) | 6.9202% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.9202% | 1,919 |
| Net charge-offs to loans | 0.0131% | 4,587 |
| Credit loss provision to net charge-offs | 190.3226% | 1,251 |
| Earnings coverage of net charge-offs (x) | 121.7742% | 398 |
| Efficiency ratio | 46.1330% | 6,630 |
| Assets per employee ($millions) | 12.9326% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0765% | 6,866 |
| Loan loss allowance to noncurrent loans | 7.3053% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 3,730 |
| Noncurrent loans to loans | 1.0467% | 3,841 |
| Net loans and leases to total assets | 94.0550% | 5 |
| Net loans and leases to deposits | 112.9090% | 106 |
| Net loans and leases to core deposits | 129.9749% | 188 |
| Total domestic deposits to total assets | 83.3015% | 4,588 |
| Equity capital to assets | 13.4818% | 1,146 |
| Core capital (leverage) ratio | 13.4725% | 987 |
| Tier 1 risk-based capital ratio | 26.7487% | 715 |
| Total risk-based capital ratio | 26.8916% | 788 |
| Memoranda: | ||
| Average total assets | $502,571,330 | 1,330 |
| Average earning assets | $484,504,330 | 1,272 |
| Average equity | $66,876,330 | 1,080 |
| Average total loans | $472,526,330 | 897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,370 |
| Cost of funding earning assets | 1.3595% | 120 |
| Net interest margin | 2.8232% | 5,989 |
| Noninterest income to average assets | 0.0662% | 6,685 |
| Noninterest expense to average assets | 1.2359% | 6,899 |
| Loan and lease loss provision to assets | 0.0359% | 3,993 |
| Net operating income to assets | 0.9409% | 2,469 |
| Return on assets (ROA) | 0.9409% | 2,617 |
| Pretax return on assets | 1.5149% | 1,526 |
| Return on Equity (ROE) | 7.1175% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.1175% | 2,102 |
| Net charge-offs to loans | 0.0144% | 3,857 |
| Credit loss provision to net charge-offs | 264.7059% | 881 |
| Earnings coverage of net charge-offs (x) | 114.4118% | 338 |
| Efficiency ratio | 44.3491% | 6,761 |
| Assets per employee ($millions) | 13.1831% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0772% | 6,945 |
| Loan loss allowance to noncurrent loans | 7.7797% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 4,066 |
| Noncurrent loans to loans | 0.9918% | 4,144 |
| Net loans and leases to total assets | 93.8422% | 8 |
| Net loans and leases to deposits | 112.6161% | 103 |
| Net loans and leases to core deposits | 129.7831% | 179 |
| Total domestic deposits to total assets | 83.3293% | 4,747 |
| Equity capital to assets | 13.3561% | 1,268 |
| Core capital (leverage) ratio | 13.3381% | 1,003 |
| Tier 1 risk-based capital ratio | 26.4607% | 748 |
| Total risk-based capital ratio | 26.6044% | 839 |
| Memoranda: | ||
| Average total assets | $501,672,000 | 1,346 |
| Average earning assets | $483,424,500 | 1,284 |
| Average equity | $66,315,500 | 1,106 |
| Average total loans | $471,415,500 | 898 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 3,558 |
| Cost of funding earning assets | 1.5703% | 117 |
| Net interest margin | 2.8922% | 6,239 |
| Noninterest income to average assets | 0.0892% | 6,548 |
| Noninterest expense to average assets | 1.3572% | 6,931 |
| Loan and lease loss provision to assets | 0.0449% | 5,282 |
| Net operating income to assets | 0.9222% | 2,694 |
| Return on assets (ROA) | 0.9222% | 2,937 |
| Pretax return on assets | 1.4583% | 1,826 |
| Return on Equity (ROE) | 7.1157% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.1157% | 1,516 |
| Net charge-offs to loans | 0.1084% | 4,581 |
| Credit loss provision to net charge-offs | 44.2656% | 4,832 |
| Earnings coverage of net charge-offs (x) | 14.8149% | 1,704 |
| Efficiency ratio | 47.4484% | 6,733 |
| Assets per employee ($millions) | 12.5597% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0709% | 6,995 |
| Loan loss allowance to noncurrent loans | 7.2121% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,160 |
| Noncurrent loans to loans | 0.9834% | 4,228 |
| Net loans and leases to total assets | 93.9563% | 7 |
| Net loans and leases to deposits | 112.2915% | 131 |
| Net loans and leases to core deposits | 130.0961% | 186 |
| Total domestic deposits to total assets | 83.6718% | 4,464 |
| Equity capital to assets | 13.0821% | 1,401 |
| Core capital (leverage) ratio | 13.0650% | 1,093 |
| Tier 1 risk-based capital ratio | 25.8766% | 780 |
| Total risk-based capital ratio | 26.0087% | 867 |
| Memoranda: | ||
| Average total assets | $489,826,400 | 1,359 |
| Average earning assets | $469,339,000 | 1,302 |
| Average equity | $63,479,600 | 1,115 |
| Average total loans | $458,287,000 | 906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 3,603 |
| Cost of funding earning assets | 1.6033% | 123 |
| Net interest margin | 2.9041% | 6,352 |
| Noninterest income to average assets | 0.0956% | 6,634 |
| Noninterest expense to average assets | 1.3057% | 7,042 |
| Loan and lease loss provision to assets | 0.0742% | 4,729 |
| Net operating income to assets | 0.9405% | 2,796 |
| Return on assets (ROA) | 0.9405% | 3,017 |
| Pretax return on assets | 1.4985% | 1,884 |
| Return on Equity (ROE) | 7.2748% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,958 |
| Net charge-offs to loans | 0.1551% | 3,875 |
| Credit loss provision to net charge-offs | 51.2287% | 4,377 |
| Earnings coverage of net charge-offs (x) | 10.8525% | 2,139 |
| Efficiency ratio | 45.3602% | 6,848 |
| Assets per employee ($millions) | 12.5045% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0758% | 7,104 |
| Loan loss allowance to noncurrent loans | 9.4124% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 4,794 |
| Noncurrent loans to loans | 0.8054% | 4,799 |
| Net loans and leases to total assets | 93.2856% | 17 |
| Net loans and leases to deposits | 111.3012% | 140 |
| Net loans and leases to core deposits | 128.4227% | 205 |
| Total domestic deposits to total assets | 83.8137% | 4,317 |
| Equity capital to assets | 12.9251% | 1,633 |
| Core capital (leverage) ratio | 12.9059% | 1,225 |
| Tier 1 risk-based capital ratio | 25.6667% | 851 |
| Total risk-based capital ratio | 25.8074% | 942 |
| Memoranda: | ||
| Average total assets | $486,686,000 | 1,384 |
| Average earning assets | $466,360,750 | 1,324 |
| Average equity | $62,918,750 | 1,139 |
| Average total loans | $454,768,750 | 914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 3,579 |
| Cost of funding earning assets | 1.6334% | 132 |
| Net interest margin | 2.9123% | 6,408 |
| Noninterest income to average assets | 0.0933% | 6,702 |
| Noninterest expense to average assets | 1.2970% | 7,106 |
| Loan and lease loss provision to assets | 0.1024% | 4,240 |
| Net operating income to assets | 0.9370% | 2,731 |
| Return on assets (ROA) | 0.9370% | 2,992 |
| Pretax return on assets | 1.4886% | 1,881 |
| Return on Equity (ROE) | 7.2471% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.2471% | 1,984 |
| Net charge-offs to loans | 0.2299% | 3,190 |
| Credit loss provision to net charge-offs | 47.6834% | 4,089 |
| Earnings coverage of net charge-offs (x) | 7.4054% | 2,487 |
| Efficiency ratio | 44.9088% | 6,919 |
| Assets per employee ($millions) | 12.3417% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0738% | 7,174 |
| Loan loss allowance to noncurrent loans | 9.4722% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 4,941 |
| Noncurrent loans to loans | 0.7792% | 4,945 |
| Net loans and leases to total assets | 93.5139% | 12 |
| Net loans and leases to deposits | 111.5022% | 131 |
| Net loans and leases to core deposits | 127.4278% | 230 |
| Total domestic deposits to total assets | 83.8673% | 4,365 |
| Equity capital to assets | 12.8558% | 1,595 |
| Core capital (leverage) ratio | 12.8384% | 1,205 |
| Tier 1 risk-based capital ratio | 25.3812% | 866 |
| Total risk-based capital ratio | 25.5178% | 967 |
| Memoranda: | ||
| Average total assets | $482,187,670 | 1,395 |
| Average earning assets | $462,725,330 | 1,336 |
| Average equity | $62,342,000 | 1,141 |
| Average total loans | $450,708,000 | 922 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 3,360 |
| Cost of funding earning assets | 1.6793% | 133 |
| Net interest margin | 2.9500% | 6,389 |
| Noninterest income to average assets | 0.1016% | 6,741 |
| Noninterest expense to average assets | 1.2056% | 7,209 |
| Loan and lease loss provision to assets | 0.1746% | 3,221 |
| Net operating income to assets | 0.9705% | 2,591 |
| Return on assets (ROA) | 0.9705% | 2,795 |
| Pretax return on assets | 1.5515% | 1,733 |
| Return on Equity (ROE) | 7.4846% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.4846% | 2,179 |
| Net charge-offs to loans | 0.4368% | 2,002 |
| Credit loss provision to net charge-offs | 42.7984% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.2305% | 2,629 |
| Efficiency ratio | 41.1226% | 7,081 |
| Assets per employee ($millions) | 11.9620% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0743% | 7,225 |
| Loan loss allowance to noncurrent loans | 9.7518% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 4,985 |
| Noncurrent loans to loans | 0.7624% | 5,135 |
| Net loans and leases to total assets | 93.8254% | 9 |
| Net loans and leases to deposits | 108.8285% | 157 |
| Net loans and leases to core deposits | 124.9712% | 242 |
| Total domestic deposits to total assets | 86.2140% | 3,407 |
| Equity capital to assets | 13.0361% | 1,422 |
| Core capital (leverage) ratio | 13.0154% | 1,124 |
| Tier 1 risk-based capital ratio | 25.6054% | 843 |
| Total risk-based capital ratio | 25.7428% | 942 |
| Memoranda: | ||
| Average total assets | $476,447,500 | 1,408 |
| Average earning assets | $457,083,000 | 1,355 |
| Average equity | $61,780,500 | 1,147 |
| Average total loans | $445,067,500 | 933 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 3,941 |
| Cost of funding earning assets | 1.8754% | 165 |
| Net interest margin | 2.8943% | 6,699 |
| Noninterest income to average assets | 0.0628% | 6,785 |
| Noninterest expense to average assets | 1.3890% | 7,219 |
| Loan and lease loss provision to assets | 0.0203% | 6,313 |
| Net operating income to assets | 0.8797% | 2,693 |
| Return on assets (ROA) | 0.8797% | 2,830 |
| Pretax return on assets | 1.4131% | 1,741 |
| Return on Equity (ROE) | 6.9630% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.9630% | 1,521 |
| Net charge-offs to loans | 0.0327% | 5,990 |
| Credit loss provision to net charge-offs | 68.3453% | 4,916 |
| Earnings coverage of net charge-offs (x) | 48.2878% | 577 |
| Efficiency ratio | 49.2131% | 6,879 |
| Assets per employee ($millions) | 12.8221% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1388% | 7,269 |
| Loan loss allowance to noncurrent loans | 47.0407% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,124 |
| Noncurrent loans to loans | 0.2951% | 6,135 |
| Net loans and leases to total assets | 92.7992% | 16 |
| Net loans and leases to deposits | 106.6225% | 232 |
| Net loans and leases to core deposits | 121.8099% | 326 |
| Total domestic deposits to total assets | 87.0352% | 2,739 |
| Equity capital to assets | 12.8971% | 1,546 |
| Core capital (leverage) ratio | 12.8850% | 1,186 |
| Tier 1 risk-based capital ratio | 22.9609% | 1,106 |
| Total risk-based capital ratio | 23.1908% | 1,214 |
| Memoranda: | ||
| Average total assets | $468,247,000 | 1,410 |
| Average earning assets | $446,457,400 | 1,356 |
| Average equity | $59,155,200 | 1,144 |
| Average total loans | $424,652,000 | 985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 4,017 |
| Cost of funding earning assets | 1.9070% | 176 |
| Net interest margin | 2.8943% | 6,757 |
| Noninterest income to average assets | 0.0606% | 6,916 |
| Noninterest expense to average assets | 1.3276% | 7,305 |
| Loan and lease loss provision to assets | 0.0180% | 6,213 |
| Net operating income to assets | 0.9173% | 2,679 |
| Return on assets (ROA) | 0.9173% | 2,814 |
| Pretax return on assets | 1.4738% | 1,727 |
| Return on Equity (ROE) | 7.2999% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.2999% | 1,810 |
| Net charge-offs to loans | 0.0095% | 6,027 |
| Credit loss provision to net charge-offs | 210.0000% | 1,384 |
| Earnings coverage of net charge-offs (x) | 174.0623% | 221 |
| Efficiency ratio | 47.0868% | 7,013 |
| Assets per employee ($millions) | 12.8004% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1617% | 7,344 |
| Loan loss allowance to noncurrent loans | 42.9819% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 6,105 |
| Noncurrent loans to loans | 0.3763% | 6,099 |
| Net loans and leases to total assets | 89.8012% | 44 |
| Net loans and leases to deposits | 102.9539% | 352 |
| Net loans and leases to core deposits | 117.8728% | 443 |
| Total domestic deposits to total assets | 87.2246% | 2,513 |
| Equity capital to assets | 12.7243% | 1,772 |
| Core capital (leverage) ratio | 12.7147% | 1,338 |
| Tier 1 risk-based capital ratio | 23.8779% | 1,022 |
| Total risk-based capital ratio | 24.1512% | 1,140 |
| Memoranda: | ||
| Average total assets | $466,704,500 | 1,424 |
| Average earning assets | $444,869,000 | 1,374 |
| Average equity | $58,647,500 | 1,153 |
| Average total loans | $420,598,250 | 999 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 4,087 |
| Cost of funding earning assets | 1.9203% | 189 |
| Net interest margin | 2.8839% | 6,821 |
| Noninterest income to average assets | 0.0693% | 6,962 |
| Noninterest expense to average assets | 1.2916% | 7,395 |
| Loan and lease loss provision to assets | 0.0228% | 6,008 |
| Net operating income to assets | 0.9432% | 2,467 |
| Return on assets (ROA) | 0.9432% | 2,559 |
| Pretax return on assets | 1.5172% | 1,482 |
| Return on Equity (ROE) | 7.5376% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.5376% | 1,641 |
| Net charge-offs to loans | 0.0392% | 5,302 |
| Credit loss provision to net charge-offs | 64.6341% | 4,216 |
| Earnings coverage of net charge-offs (x) | 43.6098% | 698 |
| Efficiency ratio | 45.6122% | 7,172 |
| Assets per employee ($millions) | 12.6896% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1499% | 7,410 |
| Loan loss allowance to noncurrent loans | 37.9081% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 6,109 |
| Noncurrent loans to loans | 0.3953% | 6,111 |
| Net loans and leases to total assets | 88.9729% | 59 |
| Net loans and leases to deposits | 101.8463% | 405 |
| Net loans and leases to core deposits | 115.5042% | 526 |
| Total domestic deposits to total assets | 87.3600% | 2,544 |
| Equity capital to assets | 12.6055% | 1,731 |
| Core capital (leverage) ratio | 12.6066% | 1,319 |
| Tier 1 risk-based capital ratio | 23.9872% | 1,008 |
| Total risk-based capital ratio | 24.2413% | 1,107 |
| Memoranda: | ||
| Average total assets | $464,401,000 | 1,442 |
| Average earning assets | $444,819,000 | 1,378 |
| Average equity | $58,108,670 | 1,151 |
| Average total loans | $418,797,330 | 1,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 4,005 |
| Cost of funding earning assets | 1.9361% | 215 |
| Net interest margin | 2.8764% | 6,795 |
| Noninterest income to average assets | 0.0676% | 7,054 |
| Noninterest expense to average assets | 1.2385% | 7,479 |
| Loan and lease loss provision to assets | 0.0130% | 5,751 |
| Net operating income to assets | 0.9865% | 2,226 |
| Return on assets (ROA) | 0.9865% | 2,284 |
| Pretax return on assets | 1.5876% | 1,223 |
| Return on Equity (ROE) | 7.9138% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.9138% | 1,770 |
| Net charge-offs to loans | 0.0296% | 4,683 |
| Credit loss provision to net charge-offs | 48.3871% | 3,788 |
| Earnings coverage of net charge-offs (x) | 59.6129% | 497 |
| Efficiency ratio | 43.6242% | 7,294 |
| Assets per employee ($millions) | 12.8496% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1550% | 7,463 |
| Loan loss allowance to noncurrent loans | 28.3290% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 5,980 |
| Noncurrent loans to loans | 0.5471% | 5,935 |
| Net loans and leases to total assets | 90.6687% | 32 |
| Net loans and leases to deposits | 103.8935% | 316 |
| Net loans and leases to core deposits | 117.5469% | 489 |
| Total domestic deposits to total assets | 87.2709% | 2,786 |
| Equity capital to assets | 12.5679% | 1,591 |
| Core capital (leverage) ratio | 12.5684% | 1,294 |
| Tier 1 risk-based capital ratio | 23.8882% | 984 |
| Total risk-based capital ratio | 24.1557% | 1,079 |
| Memoranda: | ||
| Average total assets | $461,843,000 | 1,457 |
| Average earning assets | $445,008,000 | 1,388 |
| Average equity | $57,570,500 | 1,150 |
| Average total loans | $419,011,000 | 1,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 4,357 |
| Cost of funding earning assets | 2.2622% | 243 |
| Net interest margin | 2.7798% | 7,053 |
| Noninterest income to average assets | 0.0876% | 6,955 |
| Noninterest expense to average assets | 1.4505% | 7,465 |
| Loan and lease loss provision to assets | 0.0354% | 6,801 |
| Net operating income to assets | 0.8055% | 2,778 |
| Return on assets (ROA) | 0.8055% | 2,911 |
| Pretax return on assets | 1.2844% | 1,971 |
| Return on Equity (ROE) | 6.4333% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.4333% | 1,597 |
| Net charge-offs to loans | 0.0067% | 6,777 |
| Credit loss provision to net charge-offs | 577.7778% | 381 |
| Earnings coverage of net charge-offs (x) | 215.3704% | 115 |
| Efficiency ratio | 52.3595% | 6,959 |
| Assets per employee ($millions) | 12.8084% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1596% | 7,540 |
| Loan loss allowance to noncurrent loans | 31.5217% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 6,130 |
| Noncurrent loans to loans | 0.5063% | 6,025 |
| Net loans and leases to total assets | 90.4973% | 50 |
| Net loans and leases to deposits | 104.1226% | 395 |
| Net loans and leases to core deposits | 117.0508% | 604 |
| Total domestic deposits to total assets | 86.9142% | 2,874 |
| Equity capital to assets | 12.3626% | 1,713 |
| Core capital (leverage) ratio | 12.3620% | 1,367 |
| Tier 1 risk-based capital ratio | 24.1822% | 914 |
| Total risk-based capital ratio | 24.4651% | 991 |
| Memoranda: | ||
| Average total assets | $440,601,200 | 1,515 |
| Average earning assets | $425,214,400 | 1,423 |
| Average equity | $55,166,000 | 1,209 |
| Average total loans | $405,022,400 | 1,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 4,329 |
| Cost of funding earning assets | 2.3143% | 260 |
| Net interest margin | 2.7830% | 7,150 |
| Noninterest income to average assets | 0.0787% | 7,141 |
| Noninterest expense to average assets | 1.4678% | 7,564 |
| Loan and lease loss provision to assets | 0.0343% | 6,736 |
| Net operating income to assets | 0.7881% | 3,054 |
| Return on assets (ROA) | 0.7881% | 3,219 |
| Pretax return on assets | 1.2577% | 2,312 |
| Return on Equity (ROE) | 6.2733% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.2733% | 2,218 |
| Net charge-offs to loans | 0.0090% | 6,540 |
| Credit loss provision to net charge-offs | 414.8148% | 725 |
| Earnings coverage of net charge-offs (x) | 156.2925% | 203 |
| Efficiency ratio | 53.1839% | 6,874 |
| Assets per employee ($millions) | 12.7277% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1510% | 7,655 |
| Loan loss allowance to noncurrent loans | 45.7814% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 6,579 |
| Noncurrent loans to loans | 0.3298% | 6,531 |
| Net loans and leases to total assets | 90.0669% | 59 |
| Net loans and leases to deposits | 103.9737% | 431 |
| Net loans and leases to core deposits | 116.8776% | 722 |
| Total domestic deposits to total assets | 86.6247% | 2,734 |
| Equity capital to assets | 12.2286% | 2,023 |
| Core capital (leverage) ratio | 12.2277% | 1,551 |
| Tier 1 risk-based capital ratio | 23.9280% | 955 |
| Total risk-based capital ratio | 24.1945% | 1,050 |
| Memoranda: | ||
| Average total assets | $435,476,000 | 1,560 |
| Average earning assets | $419,530,000 | 1,463 |
| Average equity | $54,706,500 | 1,222 |
| Average total loans | $401,790,000 | 1,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 4,291 |
| Cost of funding earning assets | 2.3503% | 287 |
| Net interest margin | 2.7810% | 7,171 |
| Noninterest income to average assets | 0.0846% | 7,157 |
| Noninterest expense to average assets | 1.5125% | 7,611 |
| Loan and lease loss provision to assets | 0.0168% | 6,753 |
| Net operating income to assets | 0.7777% | 3,076 |
| Return on assets (ROA) | 0.7777% | 3,220 |
| Pretax return on assets | 1.2386% | 2,297 |
| Return on Equity (ROE) | 6.1329% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.1329% | 2,262 |
| Net charge-offs to loans | 0.0136% | 6,153 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 99.4815% | 330 |
| Efficiency ratio | 54.6437% | 6,803 |
| Assets per employee ($millions) | 12.1780% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1344% | 7,729 |
| Loan loss allowance to noncurrent loans | 75.2747% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 6,845 |
| Noncurrent loans to loans | 0.1785% | 6,896 |
| Net loans and leases to total assets | 90.3921% | 66 |
| Net loans and leases to deposits | 104.3602% | 470 |
| Net loans and leases to core deposits | 117.4052% | 786 |
| Total domestic deposits to total assets | 86.6154% | 2,744 |
| Equity capital to assets | 12.2334% | 1,959 |
| Core capital (leverage) ratio | 12.2322% | 1,525 |
| Tier 1 risk-based capital ratio | 23.5920% | 987 |
| Total risk-based capital ratio | 23.8265% | 1,091 |
| Memoranda: | ||
| Average total assets | $427,902,670 | 1,596 |
| Average earning assets | $412,877,670 | 1,499 |
| Average equity | $54,265,000 | 1,225 |
| Average total loans | $397,951,000 | 1,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 4,144 |
| Cost of funding earning assets | 2.4237% | 275 |
| Net interest margin | 2.7550% | 7,241 |
| Noninterest income to average assets | 0.0768% | 7,315 |
| Noninterest expense to average assets | 1.6286% | 7,634 |
| Loan and lease loss provision to assets | -0.0038% | 7,828 |
| Net operating income to assets | 0.7039% | 3,428 |
| Return on assets (ROA) | 0.7039% | 3,537 |
| Pretax return on assets | 1.1273% | 2,639 |
| Return on Equity (ROE) | 5.4461% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.4461% | 2,902 |
| Net charge-offs to loans | 0.0275% | 5,186 |
| Credit loss provision to net charge-offs | -14.8148% | 5,963 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 639 |
| Efficiency ratio | 59.1766% | 6,308 |
| Assets per employee ($millions) | 11.8433% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1298% | 7,834 |
| Loan loss allowance to noncurrent loans | 32.9082% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,485 |
| Noncurrent loans to loans | 0.3946% | 6,491 |
| Net loans and leases to total assets | 93.0865% | 28 |
| Net loans and leases to deposits | 108.2747% | 335 |
| Net loans and leases to core deposits | 121.7583% | 718 |
| Total domestic deposits to total assets | 85.9726% | 3,167 |
| Equity capital to assets | 12.7128% | 1,648 |
| Core capital (leverage) ratio | 12.7093% | 1,322 |
| Tier 1 risk-based capital ratio | 24.5743% | 912 |
| Total risk-based capital ratio | 24.8083% | 980 |
| Memoranda: | ||
| Average total assets | $416,561,000 | 1,673 |
| Average earning assets | $404,499,000 | 1,570 |
| Average equity | $53,836,500 | 1,242 |
| Average total loans | $393,005,500 | 1,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 4,768 |
| Cost of funding earning assets | 2.9164% | 294 |
| Net interest margin | 2.4677% | 7,460 |
| Noninterest income to average assets | 0.0994% | 7,269 |
| Noninterest expense to average assets | 1.8547% | 7,561 |
| Loan and lease loss provision to assets | 0.0230% | 7,278 |
| Net operating income to assets | 0.4142% | 4,071 |
| Return on assets (ROA) | 0.4142% | 4,179 |
| Pretax return on assets | 0.6289% | 3,813 |
| Return on Equity (ROE) | 3.0057% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.0057% | 3,060 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9933% | 3,895 |
| Assets per employee ($millions) | 11.6219% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1408% | 7,902 |
| Loan loss allowance to noncurrent loans | 35.7050% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 6,442 |
| Noncurrent loans to loans | 0.3942% | 6,488 |
| Net loans and leases to total assets | 95.4032% | 5 |
| Net loans and leases to deposits | 110.5746% | 365 |
| Net loans and leases to core deposits | 163.7662% | 301 |
| Total domestic deposits to total assets | 86.2795% | 2,875 |
| Equity capital to assets | 13.1454% | 1,448 |
| Core capital (leverage) ratio | 13.1414% | 1,205 |
| Tier 1 risk-based capital ratio | 25.0398% | 840 |
| Total risk-based capital ratio | 25.2961% | 920 |
| Memoranda: | ||
| Average total assets | $382,440,000 | 1,790 |
| Average earning assets | $373,065,600 | 1,686 |
| Average equity | $52,700,600 | 1,252 |
| Average total loans | $360,228,800 | 1,345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 5,041 |
| Cost of funding earning assets | 2.9801% | 349 |
| Net interest margin | 2.3999% | 7,568 |
| Noninterest income to average assets | 0.1215% | 7,283 |
| Noninterest expense to average assets | 1.7798% | 7,677 |
| Loan and lease loss provision to assets | 0.0220% | 7,131 |
| Net operating income to assets | 0.4347% | 4,260 |
| Return on assets (ROA) | 0.4347% | 4,359 |
| Pretax return on assets | 0.6628% | 3,974 |
| Return on Equity (ROE) | 3.1156% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.1156% | 3,576 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2150% | 4,207 |
| Assets per employee ($millions) | 10.6152% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1385% | 7,992 |
| Loan loss allowance to noncurrent loans | 19.9311% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 5,812 |
| Noncurrent loans to loans | 0.6947% | 5,915 |
| Net loans and leases to total assets | 95.6650% | 8 |
| Net loans and leases to deposits | 110.6955% | 435 |
| Net loans and leases to core deposits | 165.3385% | 312 |
| Total domestic deposits to total assets | 86.4218% | 2,464 |
| Equity capital to assets | 13.5138% | 1,494 |
| Core capital (leverage) ratio | 13.5178% | 1,229 |
| Tier 1 risk-based capital ratio | 24.9577% | 902 |
| Total risk-based capital ratio | 25.2026% | 980 |
| Memoranda: | ||
| Average total assets | $376,358,750 | 1,826 |
| Average earning assets | $367,455,000 | 1,725 |
| Average equity | $52,508,000 | 1,281 |
| Average total loans | $353,132,500 | 1,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 5,394 |
| Cost of funding earning assets | 3.0118% | 455 |
| Net interest margin | 2.3390% | 7,639 |
| Noninterest income to average assets | 0.1283% | 7,326 |
| Noninterest expense to average assets | 1.6323% | 7,894 |
| Loan and lease loss provision to assets | 0.0173% | 7,047 |
| Net operating income to assets | 0.4950% | 4,107 |
| Return on assets (ROA) | 0.4950% | 4,231 |
| Pretax return on assets | 0.7663% | 3,787 |
| Return on Equity (ROE) | 3.5093% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.5093% | 3,356 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5670% | 5,238 |
| Assets per employee ($millions) | 10.4733% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1376% | 8,087 |
| Loan loss allowance to noncurrent loans | 21.5317% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 5,944 |
| Noncurrent loans to loans | 0.6389% | 5,969 |
| Net loans and leases to total assets | 92.1693% | 52 |
| Net loans and leases to deposits | 106.7340% | 728 |
| Net loans and leases to core deposits | 157.4764% | 488 |
| Total domestic deposits to total assets | 86.3542% | 2,598 |
| Equity capital to assets | 13.6148% | 1,452 |
| Core capital (leverage) ratio | 13.6209% | 1,235 |
| Tier 1 risk-based capital ratio | 24.1374% | 1,022 |
| Total risk-based capital ratio | 24.3623% | 1,102 |
| Memoranda: | ||
| Average total assets | $370,891,330 | 1,876 |
| Average earning assets | $362,712,330 | 1,767 |
| Average equity | $52,318,330 | 1,298 |
| Average total loans | $345,424,670 | 1,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 5,525 |
| Cost of funding earning assets | 3.0478% | 534 |
| Net interest margin | 2.3329% | 7,689 |
| Noninterest income to average assets | 0.1258% | 7,394 |
| Noninterest expense to average assets | 1.5434% | 7,952 |
| Loan and lease loss provision to assets | 0.0188% | 6,649 |
| Net operating income to assets | 0.5428% | 4,250 |
| Return on assets (ROA) | 0.5428% | 4,432 |
| Pretax return on assets | 0.8495% | 3,892 |
| Return on Equity (ROE) | 3.7775% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.7775% | 3,789 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9982% | 5,687 |
| Assets per employee ($millions) | 10.2404% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1399% | 8,141 |
| Loan loss allowance to noncurrent loans | 31.1927% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 6,174 |
| Noncurrent loans to loans | 0.4484% | 6,300 |
| Net loans and leases to total assets | 92.1881% | 60 |
| Net loans and leases to deposits | 107.9888% | 725 |
| Net loans and leases to core deposits | 158.8572% | 507 |
| Total domestic deposits to total assets | 85.3682% | 3,027 |
| Equity capital to assets | 14.1995% | 1,309 |
| Core capital (leverage) ratio | 14.2025% | 1,149 |
| Tier 1 risk-based capital ratio | 24.9585% | 986 |
| Total risk-based capital ratio | 25.1854% | 1,063 |
| Memoranda: | ||
| Average total assets | $362,581,500 | 1,915 |
| Average earning assets | $355,272,000 | 1,805 |
| Average equity | $52,098,000 | 1,313 |
| Average total loans | $339,308,000 | 1,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 7,143 |
| Cost of funding earning assets | 3.3755% | 745 |
| Net interest margin | 2.1990% | 7,962 |
| Noninterest income to average assets | 0.0647% | 7,824 |
| Noninterest expense to average assets | 1.8223% | 7,728 |
| Loan and lease loss provision to assets | 0.0278% | 7,054 |
| Net operating income to assets | 0.2383% | 5,735 |
| Return on assets (ROA) | 0.2383% | 5,555 |
| Pretax return on assets | 0.3623% | 5,350 |
| Return on Equity (ROE) | 1.6136% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.6136% | 4,245 |
| Net charge-offs to loans | 0.0059% | 6,886 |
| Credit loss provision to net charge-offs | 510.5263% | 855 |
| Earnings coverage of net charge-offs (x) | 71.6842% | 564 |
| Efficiency ratio | 82.3689% | 2,255 |
| Assets per employee ($millions) | 10.8033% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1357% | 8,199 |
| Loan loss allowance to noncurrent loans | 36.8379% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 6,197 |
| Noncurrent loans to loans | 0.3683% | 6,262 |
| Net loans and leases to total assets | 94.7594% | 19 |
| Net loans and leases to deposits | 111.5008% | 737 |
| Net loans and leases to core deposits | 162.1275% | 531 |
| Total domestic deposits to total assets | 84.9855% | 2,852 |
| Equity capital to assets | 14.5436% | 1,284 |
| Core capital (leverage) ratio | 14.5481% | 1,130 |
| Tier 1 risk-based capital ratio | 26.8706% | 835 |
| Total risk-based capital ratio | 27.1084% | 893 |
| Memoranda: | ||
| Average total assets | $349,167,800 | 1,905 |
| Average earning assets | $341,011,600 | 1,808 |
| Average equity | $51,560,200 | 1,309 |
| Average total loans | $323,902,000 | 1,500 |