Home > Gold Coast Bank > Performance and Condition Ratios
Gold Coast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5269% | 157 |
| Cost of funding earning assets | 3.3358% | 92 |
| Net interest margin | 4.1911% | 948 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.1580% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4656% | 1,087 |
| Return on assets (ROA) | 1.4656% | 1,058 |
| Pretax return on assets | 2.0632% | 617 |
| Return on Equity (ROE) | 12.2000% | 1,910 |
| Retained earnings to average equity (ytd only) | 3.0895% | 3,248 |
| Net charge-offs to loans | 0.0120% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 235.6500% | 523 |
| Efficiency ratio | 51.1226% | 3,902 |
| Assets per employee ($millions) | 13.9397% | 262 |
| Cash dividends to net income (ytd only)* | 74.6714% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4767% | 50 |
| Loan loss allowance to noncurrent loans | 643.5832% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 564 |
| Noncurrent loans to loans | 0.6956% | 1,128 |
| Net loans and leases to total assets | 70.4800% | 1,753 |
| Net loans and leases to deposits | 87.5511% | 1,480 |
| Net loans and leases to core deposits | 104.2614% | 1,205 |
| Total domestic deposits to total assets | 80.5100% | 3,377 |
| Equity capital to assets | 11.7732% | 1,208 |
| Core capital (leverage) ratio | 12.1466% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $456,862,200 | 1,833 |
| Average earning assets | $411,442,800 | 1,873 |
| Average equity | $54,896,000 | 1,490 |
| Average total loans | $334,278,600 | 1,669 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5612% | 139 |
| Cost of funding earning assets | 3.2343% | 91 |
| Net interest margin | 4.3269% | 778 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.2034% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5240% | 1,075 |
| Return on assets (ROA) | 1.5240% | 1,065 |
| Pretax return on assets | 2.1435% | 602 |
| Return on Equity (ROE) | 12.6200% | 1,974 |
| Retained earnings to average equity (ytd only) | 12.6188% | 866 |
| Net charge-offs to loans | 0.0160% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 183.3000% | 637 |
| Efficiency ratio | 50.6894% | 3,861 |
| Assets per employee ($millions) | 13.4968% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5175% | 46 |
| Loan loss allowance to noncurrent loans | 799.3161% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 682 |
| Noncurrent loans to loans | 0.5652% | 1,417 |
| Net loans and leases to total assets | 72.1100% | 1,561 |
| Net loans and leases to deposits | 91.2120% | 1,125 |
| Net loans and leases to core deposits | 104.8391% | 1,071 |
| Total domestic deposits to total assets | 79.0600% | 3,684 |
| Equity capital to assets | 12.9476% | 823 |
| Core capital (leverage) ratio | 12.8950% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $456,075,500 | 1,835 |
| Average earning assets | $407,700,500 | 1,884 |
| Average equity | $55,080,500 | 1,474 |
| Average total loans | $332,992,250 | 1,667 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4878% | 129 |
| Cost of funding earning assets | 3.0735% | 77 |
| Net interest margin | 4.4142% | 692 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.1708% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5573% | 1,011 |
| Return on assets (ROA) | 1.5573% | 1,005 |
| Pretax return on assets | 2.1900% | 545 |
| Return on Equity (ROE) | 13.2000% | 1,860 |
| Retained earnings to average equity (ytd only) | 13.2023% | 777 |
| Net charge-offs to loans | 0.0241% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 125.8250% | 824 |
| Efficiency ratio | 49.7805% | 3,947 |
| Assets per employee ($millions) | 13.5382% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5729% | 54 |
| Loan loss allowance to noncurrent loans | 697.6584% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 568 |
| Noncurrent loans to loans | 0.6555% | 1,139 |
| Net loans and leases to total assets | 70.9700% | 1,634 |
| Net loans and leases to deposits | 89.1635% | 1,250 |
| Net loans and leases to core deposits | 101.7936% | 1,143 |
| Total domestic deposits to total assets | 79.6000% | 3,628 |
| Equity capital to assets | 12.5412% | 919 |
| Core capital (leverage) ratio | 12.1725% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $459,636,000 | 1,831 |
| Average earning assets | $406,957,333 | 1,889 |
| Average equity | $54,218,000 | 1,501 |
| Average total loans | $331,870,000 | 1,664 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1968% | 104 |
| Cost of funding earning assets | 2.7454% | 62 |
| Net interest margin | 4.4515% | 625 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.1765% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4950% | 1,195 |
| Return on assets (ROA) | 1.4950% | 1,176 |
| Pretax return on assets | 2.1035% | 651 |
| Return on Equity (ROE) | 13.0700% | 1,970 |
| Retained earnings to average equity (ytd only) | 13.0701% | 1,081 |
| Net charge-offs to loans | 0.0482% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 61.2750% | 1,005 |
| Efficiency ratio | 50.8522% | 3,865 |
| Assets per employee ($millions) | 16.0866% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5486% | 49 |
| Loan loss allowance to noncurrent loans | 1,306.5348% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 873 |
| Noncurrent loans to loans | 0.3481% | 1,897 |
| Net loans and leases to total assets | 61.9400% | 2,469 |
| Net loans and leases to deposits | 88.4917% | 1,170 |
| Net loans and leases to core deposits | 100.8323% | 1,055 |
| Total domestic deposits to total assets | 70.0000% | 4,419 |
| Equity capital to assets | 10.5263% | 1,552 |
| Core capital (leverage) ratio | 12.3778% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $466,074,000 | 1,832 |
| Average earning assets | $401,842,500 | 1,931 |
| Average equity | $53,312,500 | 1,529 |
| Average total loans | $331,664,500 | 1,681 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 218 |
| Cost of funding earning assets | 1.1622% | 81 |
| Net interest margin | 4.0520% | 725 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.4928% | 2,141 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.4803% | 931 |
| Return on assets (ROA) | 1.4803% | 896 |
| Pretax return on assets | 2.0487% | 424 |
| Return on Equity (ROE) | 12.4600% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.8112% | 3,138 |
| Net charge-offs to loans | 0.1198% | 637 |
| Credit loss provision to net charge-offs | 191.3876% | 1,154 |
| Earnings coverage of net charge-offs (x) | 23.4880% | 1,811 |
| Efficiency ratio | 52.7776% | 3,910 |
| Assets per employee ($millions) | 12.6478% | 328 |
| Cash dividends to net income (ytd only)* | 61.3874% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6269% | 45 |
| Loan loss allowance to noncurrent loans | 775.3181% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 480 |
| Noncurrent loans to loans | 0.5968% | 1,259 |
| Net loans and leases to total assets | 75.2400% | 1,098 |
| Net loans and leases to deposits | 91.0447% | 978 |
| Net loans and leases to core deposits | 102.4307% | 877 |
| Total domestic deposits to total assets | 82.6400% | 3,504 |
| Equity capital to assets | 12.5639% | 794 |
| Core capital (leverage) ratio | 12.4599% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $440,188,600 | 1,888 |
| Average earning assets | $410,937,000 | 1,876 |
| Average equity | $52,294,200 | 1,558 |
| Average total loans | $348,886,800 | 1,548 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 286 |
| Cost of funding earning assets | 0.9271% | 91 |
| Net interest margin | 3.8711% | 843 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 2.5584% | 1,832 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.4230% | 1,023 |
| Return on assets (ROA) | 1.4230% | 997 |
| Pretax return on assets | 1.9998% | 466 |
| Return on Equity (ROE) | 12.1400% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.1420% | 763 |
| Net charge-offs to loans | 0.1575% | 412 |
| Credit loss provision to net charge-offs | 143.5407% | 1,143 |
| Earnings coverage of net charge-offs (x) | 17.4354% | 1,789 |
| Efficiency ratio | 54.0015% | 3,823 |
| Assets per employee ($millions) | 12.9120% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5430% | 51 |
| Loan loss allowance to noncurrent loans | 760.4957% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 499 |
| Noncurrent loans to loans | 0.5974% | 1,351 |
| Net loans and leases to total assets | 74.1400% | 1,083 |
| Net loans and leases to deposits | 88.6936% | 984 |
| Net loans and leases to core deposits | 98.8046% | 865 |
| Total domestic deposits to total assets | 83.5900% | 3,586 |
| Equity capital to assets | 12.8319% | 705 |
| Core capital (leverage) ratio | 12.6612% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $445,891,250 | 1,874 |
| Average earning assets | $417,618,000 | 1,861 |
| Average equity | $52,258,000 | 1,587 |
| Average total loans | $353,790,750 | 1,519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 381 |
| Cost of funding earning assets | 0.7909% | 106 |
| Net interest margin | 3.6986% | 913 |
| Noninterest income to average assets | 1.2137% | 466 |
| Noninterest expense to average assets | 2.6193% | 1,582 |
| Loan and lease loss provision to assets | 0.1326% | 724 |
| Net operating income to assets | 1.3764% | 966 |
| Return on assets (ROA) | 1.3764% | 945 |
| Pretax return on assets | 1.9342% | 438 |
| Return on Equity (ROE) | 12.1045% | 1,641 |
| Retained earnings to average equity (ytd only) | 12.1045% | 591 |
| Net charge-offs to loans | 0.2418% | 268 |
| Credit loss provision to net charge-offs | 68.6499% | 1,437 |
| Earnings coverage of net charge-offs (x) | 10.7002% | 1,751 |
| Efficiency ratio | 55.8951% | 3,786 |
| Assets per employee ($millions) | 12.2477% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0864% | 63 |
| Loan loss allowance to noncurrent loans | 739.4975% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 561 |
| Noncurrent loans to loans | 0.5526% | 1,511 |
| Net loans and leases to total assets | 78.3388% | 531 |
| Net loans and leases to deposits | 92.6154% | 575 |
| Net loans and leases to core deposits | 103.6265% | 527 |
| Total domestic deposits to total assets | 84.5851% | 3,570 |
| Equity capital to assets | 12.0261% | 864 |
| Core capital (leverage) ratio | 11.9448% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,489,667 | 1,869 |
| Average earning assets | $424,813,000 | 1,859 |
| Average equity | $51,452,000 | 1,643 |
| Average total loans | $361,404,000 | 1,498 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 443 |
| Cost of funding earning assets | 0.7794% | 98 |
| Net interest margin | 3.5135% | 1,067 |
| Noninterest income to average assets | 1.2743% | 438 |
| Noninterest expense to average assets | 2.5688% | 1,699 |
| Loan and lease loss provision to assets | 0.1309% | 625 |
| Net operating income to assets | 1.3346% | 929 |
| Return on assets (ROA) | 1.3346% | 919 |
| Pretax return on assets | 1.8757% | 467 |
| Return on Equity (ROE) | 12.0713% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.0713% | 591 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1427% | 3,867 |
| Assets per employee ($millions) | 12.5564% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1675% | 67 |
| Loan loss allowance to noncurrent loans | 556.0786% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 510 |
| Noncurrent loans to loans | 0.7494% | 1,269 |
| Net loans and leases to total assets | 76.3214% | 487 |
| Net loans and leases to deposits | 89.4553% | 540 |
| Net loans and leases to core deposits | 99.6145% | 528 |
| Total domestic deposits to total assets | 85.3180% | 3,466 |
| Equity capital to assets | 11.3785% | 1,171 |
| Core capital (leverage) ratio | 11.1571% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $458,276,000 | 1,863 |
| Average earning assets | $430,571,500 | 1,857 |
| Average equity | $50,665,500 | 1,721 |
| Average total loans | $362,043,500 | 1,483 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 743 |
| Cost of funding earning assets | 0.9677% | 84 |
| Net interest margin | 3.4109% | 1,991 |
| Noninterest income to average assets | 2.1420% | 278 |
| Noninterest expense to average assets | 3.6197% | 419 |
| Loan and lease loss provision to assets | 0.2736% | 315 |
| Net operating income to assets | 1.0295% | 2,560 |
| Return on assets (ROA) | 1.0295% | 2,632 |
| Pretax return on assets | 1.4485% | 1,882 |
| Return on Equity (ROE) | 9.0412% | 2,898 |
| Retained earnings to average equity (ytd only) | 3.0351% | 3,617 |
| Net charge-offs to loans | -0.0053% | 3,566 |
| Credit loss provision to net charge-offs | -6,315.7895% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7620% | 2,019 |
| Assets per employee ($millions) | 11.9108% | 408 |
| Cash dividends to net income (ytd only)* | 66.4305% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0795% | 64 |
| Loan loss allowance to noncurrent loans | 450.7739% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 407 |
| Noncurrent loans to loans | 0.9050% | 1,119 |
| Net loans and leases to total assets | 75.1816% | 572 |
| Net loans and leases to deposits | 87.8499% | 662 |
| Net loans and leases to core deposits | 97.8976% | 619 |
| Total domestic deposits to total assets | 85.5796% | 3,058 |
| Equity capital to assets | 10.7416% | 1,983 |
| Core capital (leverage) ratio | 10.7496% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,652,200 | 1,871 |
| Average earning assets | $411,507,200 | 1,864 |
| Average equity | $49,949,200 | 1,767 |
| Average total loans | $357,535,000 | 1,497 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 756 |
| Cost of funding earning assets | 0.9940% | 88 |
| Net interest margin | 3.4458% | 2,023 |
| Noninterest income to average assets | 2.3304% | 268 |
| Noninterest expense to average assets | 3.8347% | 331 |
| Loan and lease loss provision to assets | 0.2777% | 305 |
| Net operating income to assets | 1.0378% | 2,775 |
| Return on assets (ROA) | 1.0378% | 2,839 |
| Pretax return on assets | 1.4586% | 2,120 |
| Return on Equity (ROE) | 8.9772% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.9772% | 1,706 |
| Net charge-offs to loans | -0.0034% | 3,332 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8338% | 1,722 |
| Assets per employee ($millions) | 11.8381% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8483% | 75 |
| Loan loss allowance to noncurrent loans | 438.7029% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 560 |
| Noncurrent loans to loans | 0.8772% | 1,310 |
| Net loans and leases to total assets | 78.7044% | 359 |
| Net loans and leases to deposits | 92.6822% | 459 |
| Net loans and leases to core deposits | 104.1790% | 451 |
| Total domestic deposits to total assets | 84.9186% | 3,143 |
| Equity capital to assets | 11.2063% | 1,887 |
| Core capital (leverage) ratio | 11.2687% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,184,500 | 1,907 |
| Average earning assets | $406,442,000 | 1,898 |
| Average equity | $49,962,250 | 1,781 |
| Average total loans | $355,896,500 | 1,529 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 786 |
| Cost of funding earning assets | 1.0357% | 93 |
| Net interest margin | 3.4141% | 2,095 |
| Noninterest income to average assets | 2.6078% | 232 |
| Noninterest expense to average assets | 4.1586% | 258 |
| Loan and lease loss provision to assets | 0.2841% | 314 |
| Net operating income to assets | 0.9698% | 3,003 |
| Return on assets (ROA) | 0.9698% | 3,084 |
| Pretax return on assets | 1.3619% | 2,434 |
| Return on Equity (ROE) | 8.2965% | 3,316 |
| Retained earnings to average equity (ytd only) | 8.2965% | 1,978 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6430% | 1,466 |
| Assets per employee ($millions) | 10.3953% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8650% | 75 |
| Loan loss allowance to noncurrent loans | 768.9897% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 961 |
| Noncurrent loans to loans | 0.5026% | 2,170 |
| Net loans and leases to total assets | 79.2040% | 364 |
| Net loans and leases to deposits | 93.5075% | 478 |
| Net loans and leases to core deposits | 106.2459% | 463 |
| Total domestic deposits to total assets | 84.7033% | 3,216 |
| Equity capital to assets | 11.2785% | 1,772 |
| Core capital (leverage) ratio | 11.7332% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,350,333 | 1,930 |
| Average earning assets | $395,472,000 | 1,931 |
| Average equity | $49,370,333 | 1,788 |
| Average total loans | $348,558,333 | 1,565 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 869 |
| Cost of funding earning assets | 1.0893% | 88 |
| Net interest margin | 3.3423% | 2,269 |
| Noninterest income to average assets | 2.5228% | 262 |
| Noninterest expense to average assets | 4.0417% | 275 |
| Loan and lease loss provision to assets | 0.2927% | 325 |
| Net operating income to assets | 0.9599% | 2,931 |
| Return on assets (ROA) | 0.9599% | 3,027 |
| Pretax return on assets | 1.3463% | 2,442 |
| Return on Equity (ROE) | 8.0576% | 3,304 |
| Retained earnings to average equity (ytd only) | 8.0576% | 2,213 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1489% | 1,591 |
| Assets per employee ($millions) | 9.6719% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8048% | 78 |
| Loan loss allowance to noncurrent loans | 742.7505% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 922 |
| Noncurrent loans to loans | 0.5123% | 2,324 |
| Net loans and leases to total assets | 84.7069% | 124 |
| Net loans and leases to deposits | 100.7744% | 266 |
| Net loans and leases to core deposits | 113.9817% | 322 |
| Total domestic deposits to total assets | 84.0560% | 3,416 |
| Equity capital to assets | 11.8643% | 1,353 |
| Core capital (leverage) ratio | 11.9182% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,026,000 | 1,959 |
| Average earning assets | $387,403,500 | 1,944 |
| Average equity | $48,848,000 | 1,794 |
| Average total loans | $338,700,000 | 1,601 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 1,055 |
| Cost of funding earning assets | 1.5844% | 53 |
| Net interest margin | 3.0402% | 3,788 |
| Noninterest income to average assets | 1.9791% | 337 |
| Noninterest expense to average assets | 3.7415% | 500 |
| Loan and lease loss provision to assets | 0.4607% | 598 |
| Net operating income to assets | 0.4320% | 4,178 |
| Return on assets (ROA) | 0.4320% | 4,260 |
| Pretax return on assets | 0.6076% | 4,065 |
| Return on Equity (ROE) | 3.5588% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.5588% | 3,055 |
| Net charge-offs to loans | -0.0804% | 4,761 |
| Credit loss provision to net charge-offs | -772.5322% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7896% | 1,048 |
| Assets per employee ($millions) | 8.5991% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3814% | 57 |
| Loan loss allowance to noncurrent loans | 783.5632% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,081 |
| Noncurrent loans to loans | 0.5592% | 2,302 |
| Net loans and leases to total assets | 73.6200% | 1,075 |
| Net loans and leases to deposits | 87.0164% | 1,174 |
| Net loans and leases to core deposits | 99.4209% | 931 |
| Total domestic deposits to total assets | 84.6048% | 2,912 |
| Equity capital to assets | 11.9639% | 1,591 |
| Core capital (leverage) ratio | 11.9530% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,726,800 | 1,888 |
| Average earning assets | $363,797,800 | 1,889 |
| Average equity | $47,431,600 | 1,779 |
| Average total loans | $289,913,600 | 1,725 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 1,240 |
| Cost of funding earning assets | 1.6922% | 49 |
| Net interest margin | 2.9317% | 4,123 |
| Noninterest income to average assets | 1.6996% | 401 |
| Noninterest expense to average assets | 3.5280% | 682 |
| Loan and lease loss provision to assets | 0.4130% | 830 |
| Net operating income to assets | 0.3060% | 4,440 |
| Return on assets (ROA) | 0.3060% | 4,489 |
| Pretax return on assets | 0.4826% | 4,313 |
| Return on Equity (ROE) | 2.5112% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.5112% | 3,735 |
| Net charge-offs to loans | 0.0656% | 1,677 |
| Credit loss provision to net charge-offs | 857.1429% | 932 |
| Earnings coverage of net charge-offs (x) | 18.5857% | 1,956 |
| Efficiency ratio | 79.7541% | 883 |
| Assets per employee ($millions) | 9.2439% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2785% | 55 |
| Loan loss allowance to noncurrent loans | 454.1248% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2413% | 789 |
| Noncurrent loans to loans | 0.9421% | 1,598 |
| Net loans and leases to total assets | 71.2622% | 1,778 |
| Net loans and leases to deposits | 84.6112% | 1,847 |
| Net loans and leases to core deposits | 96.7986% | 1,392 |
| Total domestic deposits to total assets | 84.2231% | 2,745 |
| Equity capital to assets | 11.9619% | 1,698 |
| Core capital (leverage) ratio | 11.9318% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,368,750 | 1,885 |
| Average earning assets | $359,923,500 | 1,887 |
| Average equity | $47,201,250 | 1,773 |
| Average total loans | $284,598,000 | 1,744 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 1,257 |
| Cost of funding earning assets | 1.7999% | 45 |
| Net interest margin | 2.9613% | 4,209 |
| Noninterest income to average assets | 1.4396% | 505 |
| Noninterest expense to average assets | 3.3849% | 875 |
| Loan and lease loss provision to assets | 0.3125% | 1,378 |
| Net operating income to assets | 0.2750% | 4,463 |
| Return on assets (ROA) | 0.2750% | 4,502 |
| Pretax return on assets | 0.4740% | 4,292 |
| Return on Equity (ROE) | 2.2427% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.2427% | 3,665 |
| Net charge-offs to loans | 0.1446% | 996 |
| Credit loss provision to net charge-offs | 295.5665% | 1,632 |
| Earnings coverage of net charge-offs (x) | 7.4384% | 2,360 |
| Efficiency ratio | 81.1462% | 808 |
| Assets per employee ($millions) | 10.5626% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2193% | 56 |
| Loan loss allowance to noncurrent loans | 561.9672% | 912 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 1,085 |
| Noncurrent loans to loans | 0.7508% | 2,003 |
| Net loans and leases to total assets | 67.8572% | 2,380 |
| Net loans and leases to deposits | 80.1678% | 2,402 |
| Net loans and leases to core deposits | 93.2367% | 1,806 |
| Total domestic deposits to total assets | 84.6439% | 2,521 |
| Equity capital to assets | 11.7543% | 1,802 |
| Core capital (leverage) ratio | 12.0181% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,996,000 | 1,874 |
| Average earning assets | $354,242,000 | 1,877 |
| Average equity | $47,086,000 | 1,764 |
| Average total loans | $280,824,333 | 1,743 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 798 |
| Cost of funding earning assets | 1.8985% | 52 |
| Net interest margin | 3.2002% | 3,851 |
| Noninterest income to average assets | 1.3919% | 455 |
| Noninterest expense to average assets | 3.1526% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8505% | 2,711 |
| Return on assets (ROA) | 0.8505% | 2,807 |
| Pretax return on assets | 1.2054% | 2,176 |
| Return on Equity (ROE) | 6.7858% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.7858% | 1,616 |
| Net charge-offs to loans | 0.2910% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,046 |
| Efficiency ratio | 72.3404% | 2,034 |
| Assets per employee ($millions) | 10.2997% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0524% | 70 |
| Loan loss allowance to noncurrent loans | 529.4008% | 923 |
| Noncurrent assets plus other real estate owned to assets | 1.6856% | 583 |
| Noncurrent loans to loans | 0.7655% | 2,084 |
| Net loans and leases to total assets | 72.7822% | 1,805 |
| Net loans and leases to deposits | 87.4070% | 1,817 |
| Net loans and leases to core deposits | 102.9814% | 1,248 |
| Total domestic deposits to total assets | 83.2682% | 3,025 |
| Equity capital to assets | 12.7948% | 1,547 |
| Core capital (leverage) ratio | 12.6217% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,305,500 | 1,872 |
| Average earning assets | $347,848,000 | 1,859 |
| Average equity | $47,039,500 | 1,757 |
| Average total loans | $279,056,000 | 1,720 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8860% | 267 |
| Cost of funding earning assets | 2.0110% | 55 |
| Net interest margin | 3.8750% | 2,261 |
| Noninterest income to average assets | 1.2229% | 631 |
| Noninterest expense to average assets | 2.9174% | 2,237 |
| Loan and lease loss provision to assets | 0.1565% | 1,349 |
| Net operating income to assets | 1.2565% | 1,846 |
| Return on assets (ROA) | 1.2565% | 1,928 |
| Pretax return on assets | 1.7736% | 1,011 |
| Return on Equity (ROE) | 10.1338% | 2,236 |
| Retained earnings to average equity (ytd only) | 1.7170% | 4,119 |
| Net charge-offs to loans | 0.2645% | 784 |
| Credit loss provision to net charge-offs | 77.6197% | 2,825 |
| Earnings coverage of net charge-offs (x) | 9.5705% | 2,649 |
| Efficiency ratio | 60.1830% | 3,665 |
| Assets per employee ($millions) | 10.5506% | 319 |
| Cash dividends to net income (ytd only)* | 83.0565% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1904% | 54 |
| Loan loss allowance to noncurrent loans | 640.2318% | 802 |
| Noncurrent assets plus other real estate owned to assets | 1.5557% | 638 |
| Noncurrent loans to loans | 0.6545% | 2,254 |
| Net loans and leases to total assets | 69.8339% | 2,424 |
| Net loans and leases to deposits | 82.0242% | 2,556 |
| Net loans and leases to core deposits | 96.2270% | 1,882 |
| Total domestic deposits to total assets | 85.1383% | 2,440 |
| Equity capital to assets | 12.2787% | 1,962 |
| Core capital (leverage) ratio | 12.2126% | 1,644 |
| Tier 1 risk-based capital ratio | 18.0551% | 1,745 |
| Total risk-based capital ratio | 19.3454% | 1,694 |
| Memoranda: | ||
| Average total assets | $383,283,800 | 1,791 |
| Average earning assets | $358,530,600 | 1,783 |
| Average equity | $47,524,200 | 1,674 |
| Average total loans | $292,201,600 | 1,639 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 243 |
| Cost of funding earning assets | 2.0043% | 65 |
| Net interest margin | 3.9857% | 1,994 |
| Noninterest income to average assets | 1.0728% | 798 |
| Noninterest expense to average assets | 2.8037% | 2,552 |
| Loan and lease loss provision to assets | 0.1562% | 1,201 |
| Net operating income to assets | 1.3168% | 1,784 |
| Return on assets (ROA) | 1.3168% | 1,861 |
| Pretax return on assets | 1.8496% | 983 |
| Return on Equity (ROE) | 10.5947% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.5947% | 604 |
| Net charge-offs to loans | 0.2774% | 632 |
| Credit loss provision to net charge-offs | 73.0519% | 2,587 |
| Earnings coverage of net charge-offs (x) | 9.3815% | 2,577 |
| Efficiency ratio | 58.2954% | 3,895 |
| Assets per employee ($millions) | 10.8281% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1449% | 58 |
| Loan loss allowance to noncurrent loans | 628.1385% | 816 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 677 |
| Noncurrent loans to loans | 0.6599% | 2,309 |
| Net loans and leases to total assets | 70.8343% | 2,350 |
| Net loans and leases to deposits | 84.0361% | 2,449 |
| Net loans and leases to core deposits | 99.4314% | 1,705 |
| Total domestic deposits to total assets | 84.2903% | 2,716 |
| Equity capital to assets | 13.0898% | 1,573 |
| Core capital (leverage) ratio | 12.9105% | 1,378 |
| Tier 1 risk-based capital ratio | 18.9404% | 1,578 |
| Total risk-based capital ratio | 20.2301% | 1,546 |
| Memoranda: | ||
| Average total assets | $384,149,500 | 1,799 |
| Average earning assets | $360,146,250 | 1,796 |
| Average equity | $47,746,000 | 1,670 |
| Average total loans | $296,040,750 | 1,634 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 193 |
| Cost of funding earning assets | 1.9760% | 65 |
| Net interest margin | 4.1578% | 1,468 |
| Noninterest income to average assets | 0.8029% | 1,337 |
| Noninterest expense to average assets | 2.6356% | 3,099 |
| Loan and lease loss provision to assets | 0.1555% | 1,169 |
| Net operating income to assets | 1.3528% | 1,565 |
| Return on assets (ROA) | 1.3528% | 1,631 |
| Pretax return on assets | 1.9074% | 823 |
| Return on Equity (ROE) | 11.0768% | 1,949 |
| Retained earnings to average equity (ytd only) | 11.0768% | 538 |
| Net charge-offs to loans | 0.4095% | 408 |
| Credit loss provision to net charge-offs | 48.6224% | 2,482 |
| Earnings coverage of net charge-offs (x) | 6.4506% | 2,569 |
| Efficiency ratio | 56.0949% | 4,237 |
| Assets per employee ($millions) | 11.5013% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0199% | 61 |
| Loan loss allowance to noncurrent loans | 609.4149% | 861 |
| Noncurrent assets plus other real estate owned to assets | 1.5285% | 731 |
| Noncurrent loans to loans | 0.6596% | 2,308 |
| Net loans and leases to total assets | 69.9544% | 2,535 |
| Net loans and leases to deposits | 82.6459% | 2,659 |
| Net loans and leases to core deposits | 98.1874% | 1,877 |
| Total domestic deposits to total assets | 84.6435% | 2,622 |
| Equity capital to assets | 12.3814% | 1,920 |
| Core capital (leverage) ratio | 12.4432% | 1,565 |
| Tier 1 risk-based capital ratio | 18.5330% | 1,658 |
| Total risk-based capital ratio | 19.8218% | 1,613 |
| Memoranda: | ||
| Average total assets | $385,871,670 | 1,803 |
| Average earning assets | $361,534,330 | 1,797 |
| Average equity | $47,125,330 | 1,679 |
| Average total loans | $301,368,330 | 1,618 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 165 |
| Cost of funding earning assets | 1.9024% | 71 |
| Net interest margin | 4.2661% | 1,158 |
| Noninterest income to average assets | 0.4790% | 2,684 |
| Noninterest expense to average assets | 2.3325% | 3,942 |
| Loan and lease loss provision to assets | 0.1565% | 1,072 |
| Net operating income to assets | 1.4245% | 1,309 |
| Return on assets (ROA) | 1.4245% | 1,337 |
| Pretax return on assets | 2.0058% | 637 |
| Return on Equity (ROE) | 11.7471% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.7471% | 665 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8923% | 4,705 |
| Assets per employee ($millions) | 11.7409% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8420% | 70 |
| Loan loss allowance to noncurrent loans | 595.9020% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 2,134 |
| Noncurrent loans to loans | 0.6447% | 2,401 |
| Net loans and leases to total assets | 77.0252% | 1,311 |
| Net loans and leases to deposits | 90.8422% | 1,523 |
| Net loans and leases to core deposits | 108.9434% | 987 |
| Total domestic deposits to total assets | 84.7900% | 2,757 |
| Equity capital to assets | 12.1732% | 1,920 |
| Core capital (leverage) ratio | 12.3010% | 1,604 |
| Tier 1 risk-based capital ratio | 16.9232% | 2,128 |
| Total risk-based capital ratio | 18.2103% | 2,069 |
| Memoranda: | ||
| Average total assets | $383,285,000 | 1,824 |
| Average earning assets | $360,800,500 | 1,807 |
| Average equity | $46,479,500 | 1,687 |
| Average total loans | $309,547,500 | 1,591 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0190% | 160 |
| Cost of funding earning assets | 1.5525% | 69 |
| Net interest margin | 4.4665% | 814 |
| Noninterest income to average assets | 0.8717% | 1,257 |
| Noninterest expense to average assets | 2.6880% | 3,067 |
| Loan and lease loss provision to assets | 0.3238% | 492 |
| Net operating income to assets | 1.4564% | 1,252 |
| Return on assets (ROA) | 1.4564% | 1,242 |
| Pretax return on assets | 2.0475% | 502 |
| Return on Equity (ROE) | 11.8777% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.2765% | 2,612 |
| Net charge-offs to loans | -0.1513% | 5,226 |
| Credit loss provision to net charge-offs | -247.4227% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1303% | 4,705 |
| Assets per employee ($millions) | 11.4885% | 227 |
| Cash dividends to net income (ytd only)* | 55.5761% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 65 |
| Loan loss allowance to noncurrent loans | 714.4417% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 2,234 |
| Noncurrent loans to loans | 0.5338% | 2,670 |
| Net loans and leases to total assets | 78.3296% | 1,218 |
| Net loans and leases to deposits | 92.3315% | 1,500 |
| Net loans and leases to core deposits | 111.5140% | 907 |
| Total domestic deposits to total assets | 84.8351% | 2,715 |
| Equity capital to assets | 12.0790% | 1,839 |
| Core capital (leverage) ratio | 12.2314% | 1,600 |
| Tier 1 risk-based capital ratio | 16.3345% | 2,292 |
| Total risk-based capital ratio | 17.6211% | 2,218 |
| Memoranda: | ||
| Average total assets | $370,640,600 | 1,828 |
| Average earning assets | $347,498,000 | 1,824 |
| Average equity | $45,446,400 | 1,651 |
| Average total loans | $320,555,600 | 1,511 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9693% | 158 |
| Cost of funding earning assets | 1.4774% | 72 |
| Net interest margin | 4.4919% | 753 |
| Noninterest income to average assets | 0.9041% | 1,187 |
| Noninterest expense to average assets | 2.7598% | 2,778 |
| Loan and lease loss provision to assets | 0.3256% | 434 |
| Net operating income to assets | 1.4447% | 1,346 |
| Return on assets (ROA) | 1.4447% | 1,347 |
| Pretax return on assets | 2.0329% | 575 |
| Return on Equity (ROE) | 11.7371% | 1,889 |
| Retained earnings to average equity (ytd only) | 11.7371% | 515 |
| Net charge-offs to loans | -0.0688% | 5,049 |
| Credit loss provision to net charge-offs | -538.9222% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9196% | 4,617 |
| Assets per employee ($millions) | 11.0364% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5274% | 84 |
| Loan loss allowance to noncurrent loans | 469.1337% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 1,844 |
| Noncurrent loans to loans | 0.7519% | 2,213 |
| Net loans and leases to total assets | 81.3107% | 828 |
| Net loans and leases to deposits | 96.3784% | 1,108 |
| Net loans and leases to core deposits | 115.5625% | 736 |
| Total domestic deposits to total assets | 84.3661% | 2,828 |
| Equity capital to assets | 12.6275% | 1,506 |
| Core capital (leverage) ratio | 12.5521% | 1,470 |
| Tier 1 risk-based capital ratio | 16.4440% | 2,289 |
| Total risk-based capital ratio | 17.7267% | 2,222 |
| Memoranda: | ||
| Average total assets | $368,520,750 | 1,846 |
| Average earning assets | $345,740,500 | 1,832 |
| Average equity | $45,359,500 | 1,659 |
| Average total loans | $323,510,250 | 1,512 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9420% | 153 |
| Cost of funding earning assets | 1.3862% | 78 |
| Net interest margin | 4.5559% | 619 |
| Noninterest income to average assets | 0.8480% | 1,325 |
| Noninterest expense to average assets | 2.7230% | 2,928 |
| Loan and lease loss provision to assets | 0.3276% | 416 |
| Net operating income to assets | 1.4683% | 1,231 |
| Return on assets (ROA) | 1.4683% | 1,232 |
| Pretax return on assets | 2.0667% | 518 |
| Return on Equity (ROE) | 12.0354% | 1,712 |
| Retained earnings to average equity (ytd only) | 12.0354% | 510 |
| Net charge-offs to loans | -0.0018% | 3,937 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2117% | 4,765 |
| Assets per employee ($millions) | 10.9521% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2446% | 110 |
| Loan loss allowance to noncurrent loans | 747.1698% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 2,574 |
| Noncurrent loans to loans | 0.4343% | 3,144 |
| Net loans and leases to total assets | 85.6242% | 292 |
| Net loans and leases to deposits | 101.1917% | 722 |
| Net loans and leases to core deposits | 124.2015% | 455 |
| Total domestic deposits to total assets | 84.6158% | 2,833 |
| Equity capital to assets | 12.3726% | 1,615 |
| Core capital (leverage) ratio | 12.1860% | 1,598 |
| Tier 1 risk-based capital ratio | 15.4738% | 2,649 |
| Total risk-based capital ratio | 16.7528% | 2,578 |
| Memoranda: | ||
| Average total assets | $366,282,330 | 1,863 |
| Average earning assets | $343,249,330 | 1,852 |
| Average equity | $44,685,000 | 1,684 |
| Average total loans | $325,926,000 | 1,499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 192 |
| Cost of funding earning assets | 1.2732% | 95 |
| Net interest margin | 4.4942% | 626 |
| Noninterest income to average assets | 0.7521% | 1,615 |
| Noninterest expense to average assets | 2.6825% | 3,091 |
| Loan and lease loss provision to assets | 0.3304% | 374 |
| Net operating income to assets | 1.3633% | 1,442 |
| Return on assets (ROA) | 1.3633% | 1,456 |
| Pretax return on assets | 1.9216% | 686 |
| Return on Equity (ROE) | 11.2567% | 1,868 |
| Retained earnings to average equity (ytd only) | 11.2567% | 835 |
| Net charge-offs to loans | -0.0012% | 3,771 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3629% | 4,762 |
| Assets per employee ($millions) | 11.0380% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1536% | 128 |
| Loan loss allowance to noncurrent loans | 760.6149% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 2,750 |
| Noncurrent loans to loans | 0.4146% | 3,297 |
| Net loans and leases to total assets | 85.0213% | 337 |
| Net loans and leases to deposits | 99.7549% | 727 |
| Net loans and leases to core deposits | 129.8109% | 347 |
| Total domestic deposits to total assets | 85.2302% | 2,845 |
| Equity capital to assets | 11.8878% | 1,858 |
| Core capital (leverage) ratio | 12.5117% | 1,383 |
| Tier 1 risk-based capital ratio | 14.6091% | 3,066 |
| Total risk-based capital ratio | 15.8858% | 2,965 |
| Memoranda: | ||
| Average total assets | $363,238,500 | 1,885 |
| Average earning assets | $338,034,000 | 1,884 |
| Average equity | $43,991,500 | 1,711 |
| Average total loans | $324,123,500 | 1,507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5766% | 236 |
| Cost of funding earning assets | 1.1720% | 82 |
| Net interest margin | 4.4046% | 757 |
| Noninterest income to average assets | 0.9871% | 1,050 |
| Noninterest expense to average assets | 2.6965% | 3,133 |
| Loan and lease loss provision to assets | 0.3314% | 502 |
| Net operating income to assets | 0.9866% | 2,305 |
| Return on assets (ROA) | 0.9866% | 2,338 |
| Pretax return on assets | 2.0646% | 422 |
| Return on Equity (ROE) | 8.1526% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.4467% | 3,869 |
| Net charge-offs to loans | 0.1509% | 1,593 |
| Credit loss provision to net charge-offs | 254.2373% | 1,084 |
| Earnings coverage of net charge-offs (x) | 18.3792% | 2,077 |
| Efficiency ratio | 52.9504% | 5,041 |
| Assets per employee ($millions) | 10.0338% | 314 |
| Cash dividends to net income (ytd only)* | 69.9888% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1649% | 118 |
| Loan loss allowance to noncurrent loans | 704.5391% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 2,599 |
| Noncurrent loans to loans | 0.4492% | 3,167 |
| Net loans and leases to total assets | 87.8995% | 142 |
| Net loans and leases to deposits | 103.7582% | 502 |
| Net loans and leases to core deposits | 130.0433% | 338 |
| Total domestic deposits to total assets | 84.7157% | 2,942 |
| Equity capital to assets | 12.3494% | 1,610 |
| Core capital (leverage) ratio | 12.0774% | 1,564 |
| Tier 1 risk-based capital ratio | 14.7841% | 2,941 |
| Total risk-based capital ratio | 16.0615% | 2,866 |
| Memoranda: | ||
| Average total assets | $362,060,000 | 1,858 |
| Average earning assets | $337,465,800 | 1,856 |
| Average equity | $43,814,400 | 1,696 |
| Average total loans | $312,781,000 | 1,521 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 245 |
| Cost of funding earning assets | 1.1511% | 87 |
| Net interest margin | 4.3757% | 767 |
| Noninterest income to average assets | 0.9419% | 1,161 |
| Noninterest expense to average assets | 2.6192% | 3,349 |
| Loan and lease loss provision to assets | 0.3290% | 459 |
| Net operating income to assets | 1.2383% | 1,551 |
| Return on assets (ROA) | 1.2383% | 1,580 |
| Pretax return on assets | 2.0549% | 489 |
| Return on Equity (ROE) | 10.2838% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.2838% | 529 |
| Net charge-offs to loans | 0.2026% | 1,050 |
| Credit loss provision to net charge-offs | 190.2748% | 1,396 |
| Earnings coverage of net charge-offs (x) | 13.7886% | 2,336 |
| Efficiency ratio | 52.3524% | 5,071 |
| Assets per employee ($millions) | 10.9742% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1096% | 143 |
| Loan loss allowance to noncurrent loans | 1,588.9610% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 3,669 |
| Noncurrent loans to loans | 0.1957% | 4,300 |
| Net loans and leases to total assets | 84.2136% | 414 |
| Net loans and leases to deposits | 99.8788% | 753 |
| Net loans and leases to core deposits | 129.1552% | 355 |
| Total domestic deposits to total assets | 84.3158% | 2,990 |
| Equity capital to assets | 12.6134% | 1,599 |
| Core capital (leverage) ratio | 12.5383% | 1,405 |
| Tier 1 risk-based capital ratio | 15.7943% | 2,591 |
| Total risk-based capital ratio | 17.0709% | 2,515 |
| Memoranda: | ||
| Average total assets | $364,779,000 | 1,864 |
| Average earning assets | $338,557,750 | 1,862 |
| Average equity | $43,925,750 | 1,705 |
| Average total loans | $311,281,750 | 1,528 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 294 |
| Cost of funding earning assets | 1.1280% | 89 |
| Net interest margin | 4.2373% | 1,000 |
| Noninterest income to average assets | 0.8730% | 1,355 |
| Noninterest expense to average assets | 2.5374% | 3,624 |
| Loan and lease loss provision to assets | 0.3282% | 449 |
| Net operating income to assets | 1.1814% | 1,661 |
| Return on assets (ROA) | 1.1814% | 1,694 |
| Pretax return on assets | 1.9461% | 593 |
| Return on Equity (ROE) | 9.9674% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.9674% | 592 |
| Net charge-offs to loans | 0.3347% | 604 |
| Credit loss provision to net charge-offs | 115.6069% | 1,828 |
| Earnings coverage of net charge-offs (x) | 8.0116% | 2,543 |
| Efficiency ratio | 52.7339% | 5,117 |
| Assets per employee ($millions) | 10.7089% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9935% | 163 |
| Loan loss allowance to noncurrent loans | 689.7005% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 1,892 |
| Noncurrent loans to loans | 0.4340% | 3,458 |
| Net loans and leases to total assets | 84.0337% | 445 |
| Net loans and leases to deposits | 99.0736% | 808 |
| Net loans and leases to core deposits | 129.1111% | 326 |
| Total domestic deposits to total assets | 84.8194% | 2,883 |
| Equity capital to assets | 12.2064% | 1,784 |
| Core capital (leverage) ratio | 12.2920% | 1,479 |
| Tier 1 risk-based capital ratio | 15.2678% | 2,819 |
| Total risk-based capital ratio | 16.5426% | 2,736 |
| Memoranda: | ||
| Average total assets | $365,656,000 | 1,864 |
| Average earning assets | $339,887,330 | 1,855 |
| Average equity | $43,341,330 | 1,723 |
| Average total loans | $310,120,330 | 1,526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 355 |
| Cost of funding earning assets | 1.1117% | 91 |
| Net interest margin | 4.1309% | 1,145 |
| Noninterest income to average assets | 0.8176% | 1,494 |
| Noninterest expense to average assets | 2.5118% | 3,773 |
| Loan and lease loss provision to assets | 0.3275% | 380 |
| Net operating income to assets | 1.1047% | 1,850 |
| Return on assets (ROA) | 1.1047% | 1,890 |
| Pretax return on assets | 1.8197% | 758 |
| Return on Equity (ROE) | 9.4602% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.4602% | 933 |
| Net charge-offs to loans | 0.0104% | 2,616 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 245.8750% | 236 |
| Efficiency ratio | 53.9128% | 5,135 |
| Assets per employee ($millions) | 12.4301% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1831% | 146 |
| Loan loss allowance to noncurrent loans | 562.8571% | 963 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 1,669 |
| Noncurrent loans to loans | 0.5655% | 3,110 |
| Net loans and leases to total assets | 81.4513% | 628 |
| Net loans and leases to deposits | 94.7447% | 1,040 |
| Net loans and leases to core deposits | 123.7775% | 365 |
| Total domestic deposits to total assets | 85.9692% | 2,678 |
| Equity capital to assets | 12.0109% | 1,831 |
| Core capital (leverage) ratio | 11.8165% | 1,740 |
| Tier 1 risk-based capital ratio | 15.5274% | 2,745 |
| Total risk-based capital ratio | 16.8049% | 2,660 |
| Memoranda: | ||
| Average total assets | $366,432,000 | 1,873 |
| Average earning assets | $340,753,000 | 1,868 |
| Average equity | $42,790,000 | 1,748 |
| Average total loans | $307,474,500 | 1,544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 374 |
| Cost of funding earning assets | 1.1025% | 100 |
| Net interest margin | 4.1595% | 1,213 |
| Noninterest income to average assets | 0.5574% | 2,874 |
| Noninterest expense to average assets | 2.0410% | 5,112 |
| Loan and lease loss provision to assets | 0.6682% | 192 |
| Net operating income to assets | 1.0699% | 2,038 |
| Return on assets (ROA) | 1.0699% | 2,144 |
| Pretax return on assets | 1.7620% | 865 |
| Return on Equity (ROE) | 9.5305% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.5305% | 491 |
| Net charge-offs to loans | 0.2953% | 938 |
| Credit loss provision to net charge-offs | 263.7363% | 1,093 |
| Earnings coverage of net charge-offs (x) | 9.5923% | 2,739 |
| Efficiency ratio | 45.6476% | 5,649 |
| Assets per employee ($millions) | 12.4131% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0033% | 176 |
| Loan loss allowance to noncurrent loans | 352.1821% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 1,423 |
| Noncurrent loans to loans | 0.8528% | 2,400 |
| Net loans and leases to total assets | 81.1849% | 716 |
| Net loans and leases to deposits | 93.8030% | 1,215 |
| Net loans and leases to core deposits | 122.2670% | 421 |
| Total domestic deposits to total assets | 86.5483% | 2,351 |
| Equity capital to assets | 11.3547% | 2,289 |
| Core capital (leverage) ratio | 11.3334% | 2,056 |
| Tier 1 risk-based capital ratio | 15.7910% | 2,638 |
| Total risk-based capital ratio | 17.0690% | 2,546 |
| Memoranda: | ||
| Average total assets | $359,193,800 | 1,858 |
| Average earning assets | $337,974,200 | 1,839 |
| Average equity | $40,323,200 | 1,840 |
| Average total loans | $308,113,200 | 1,486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 387 |
| Cost of funding earning assets | 1.0941% | 99 |
| Net interest margin | 4.1752% | 1,189 |
| Noninterest income to average assets | 0.5856% | 2,729 |
| Noninterest expense to average assets | 1.9387% | 5,316 |
| Loan and lease loss provision to assets | 0.6743% | 168 |
| Net operating income to assets | 1.1509% | 1,805 |
| Return on assets (ROA) | 1.1509% | 1,903 |
| Pretax return on assets | 1.8953% | 713 |
| Return on Equity (ROE) | 10.2827% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.2827% | 517 |
| Net charge-offs to loans | -0.1749% | 5,728 |
| Credit loss provision to net charge-offs | -446.6501% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0032% | 5,767 |
| Assets per employee ($millions) | 12.7746% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0532% | 177 |
| Loan loss allowance to noncurrent loans | 546.6088% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 2,687 |
| Noncurrent loans to loans | 0.5586% | 3,321 |
| Net loans and leases to total assets | 86.3447% | 227 |
| Net loans and leases to deposits | 100.8370% | 650 |
| Net loans and leases to core deposits | 131.6640% | 276 |
| Total domestic deposits to total assets | 85.6280% | 2,545 |
| Equity capital to assets | 11.2057% | 2,794 |
| Core capital (leverage) ratio | 11.3691% | 2,139 |
| Tier 1 risk-based capital ratio | 14.8147% | 3,141 |
| Total risk-based capital ratio | 16.0938% | 3,062 |
| Memoranda: | ||
| Average total assets | $355,894,250 | 1,884 |
| Average earning assets | $334,381,250 | 1,859 |
| Average equity | $39,833,000 | 1,866 |
| Average total loans | $307,219,750 | 1,494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 462 |
| Cost of funding earning assets | 1.0907% | 94 |
| Net interest margin | 4.0541% | 1,497 |
| Noninterest income to average assets | 0.3094% | 4,565 |
| Noninterest expense to average assets | 1.8021% | 5,594 |
| Loan and lease loss provision to assets | 0.6837% | 163 |
| Net operating income to assets | 0.9765% | 2,488 |
| Return on assets (ROA) | 0.9765% | 2,635 |
| Pretax return on assets | 1.6101% | 1,346 |
| Return on Equity (ROE) | 8.7286% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.7286% | 927 |
| Net charge-offs to loans | -0.2670% | 5,861 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9978% | 5,813 |
| Assets per employee ($millions) | 12.6644% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0776% | 177 |
| Loan loss allowance to noncurrent loans | 586.4396% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,902 |
| Noncurrent loans to loans | 0.5248% | 3,511 |
| Net loans and leases to total assets | 81.2140% | 723 |
| Net loans and leases to deposits | 95.1450% | 1,172 |
| Net loans and leases to core deposits | 121.7078% | 468 |
| Total domestic deposits to total assets | 85.3581% | 2,709 |
| Equity capital to assets | 10.9334% | 3,125 |
| Core capital (leverage) ratio | 11.1141% | 2,313 |
| Tier 1 risk-based capital ratio | 14.7608% | 3,174 |
| Total risk-based capital ratio | 16.0385% | 3,109 |
| Memoranda: | ||
| Average total assets | $351,038,000 | 1,904 |
| Average earning assets | $327,868,670 | 1,890 |
| Average equity | $39,273,000 | 1,885 |
| Average total loans | $299,643,330 | 1,522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 516 |
| Cost of funding earning assets | 1.0583% | 113 |
| Net interest margin | 4.0105% | 1,583 |
| Noninterest income to average assets | 0.4409% | 3,543 |
| Noninterest expense to average assets | 1.9760% | 5,390 |
| Loan and lease loss provision to assets | 0.6999% | 153 |
| Net operating income to assets | 0.9122% | 2,690 |
| Return on assets (ROA) | 0.9122% | 2,808 |
| Pretax return on assets | 1.5047% | 1,568 |
| Return on Equity (ROE) | 8.0552% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.0552% | 1,436 |
| Net charge-offs to loans | -0.0487% | 5,312 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2656% | 5,758 |
| Assets per employee ($millions) | 12.0858% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8853% | 249 |
| Loan loss allowance to noncurrent loans | 351.2386% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 2,314 |
| Noncurrent loans to loans | 0.8215% | 2,784 |
| Net loans and leases to total assets | 81.6947% | 600 |
| Net loans and leases to deposits | 96.4009% | 903 |
| Net loans and leases to core deposits | 127.3795% | 313 |
| Total domestic deposits to total assets | 84.7447% | 3,230 |
| Equity capital to assets | 11.1910% | 2,733 |
| Core capital (leverage) ratio | 11.4901% | 1,978 |
| Tier 1 risk-based capital ratio | 14.6200% | 3,332 |
| Total risk-based capital ratio | 15.8936% | 3,258 |
| Memoranda: | ||
| Average total assets | $342,923,000 | 1,955 |
| Average earning assets | $319,757,500 | 1,937 |
| Average equity | $38,832,000 | 1,898 |
| Average total loans | $295,593,000 | 1,537 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 430 |
| Cost of funding earning assets | 0.9867% | 186 |
| Net interest margin | 4.2142% | 1,140 |
| Noninterest income to average assets | 0.4644% | 3,566 |
| Noninterest expense to average assets | 1.8592% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5139% | 841 |
| Return on assets (ROA) | 1.5139% | 871 |
| Pretax return on assets | 2.4870% | 212 |
| Return on Equity (ROE) | 14.6765% | 739 |
| Retained earnings to average equity (ytd only) | 14.6765% | 142 |
| Net charge-offs to loans | 0.1235% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.7033% | 1,716 |
| Efficiency ratio | 42.7776% | 6,007 |
| Assets per employee ($millions) | 13.4143% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6560% | 336 |
| Loan loss allowance to noncurrent loans | 371.7997% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 2,388 |
| Noncurrent loans to loans | 0.7144% | 3,041 |
| Net loans and leases to total assets | 86.0209% | 231 |
| Net loans and leases to deposits | 102.1667% | 535 |
| Net loans and leases to core deposits | 138.0007% | 189 |
| Total domestic deposits to total assets | 84.1966% | 3,402 |
| Equity capital to assets | 11.4627% | 2,390 |
| Core capital (leverage) ratio | 11.1452% | 2,270 |
| Tier 1 risk-based capital ratio | 14.5388% | 3,427 |
| Total risk-based capital ratio | 15.8103% | 3,324 |
| Memoranda: | ||
| Average total assets | $346,926,200 | 1,884 |
| Average earning assets | $319,560,800 | 1,893 |
| Average equity | $35,785,000 | 1,992 |
| Average total loans | $294,617,600 | 1,485 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 534 |
| Cost of funding earning assets | 0.9681% | 204 |
| Net interest margin | 4.1143% | 1,377 |
| Noninterest income to average assets | 0.4616% | 3,620 |
| Noninterest expense to average assets | 1.8238% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4647% | 980 |
| Return on assets (ROA) | 1.4647% | 1,021 |
| Pretax return on assets | 2.4054% | 281 |
| Return on Equity (ROE) | 14.5892% | 794 |
| Retained earnings to average equity (ytd only) | 14.5892% | 182 |
| Net charge-offs to loans | -0.0018% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1236% | 6,059 |
| Assets per employee ($millions) | 13.8622% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7987% | 300 |
| Loan loss allowance to noncurrent loans | 314.7059% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 2,375 |
| Noncurrent loans to loans | 0.8893% | 2,756 |
| Net loans and leases to total assets | 82.5684% | 517 |
| Net loans and leases to deposits | 97.7879% | 831 |
| Net loans and leases to core deposits | 134.3902% | 225 |
| Total domestic deposits to total assets | 84.4362% | 3,243 |
| Equity capital to assets | 10.6855% | 3,377 |
| Core capital (leverage) ratio | 10.6402% | 2,889 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,807 |
| Total risk-based capital ratio | 15.3562% | 3,727 |
| Memoranda: | ||
| Average total assets | $349,818,250 | 1,883 |
| Average earning assets | $320,339,750 | 1,900 |
| Average equity | $35,121,000 | 2,045 |
| Average total loans | $294,184,750 | 1,499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 515 |
| Cost of funding earning assets | 0.9574% | 208 |
| Net interest margin | 4.1351% | 1,263 |
| Noninterest income to average assets | 0.3756% | 4,260 |
| Noninterest expense to average assets | 1.7423% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4665% | 957 |
| Return on assets (ROA) | 1.4665% | 1,007 |
| Pretax return on assets | 2.4046% | 280 |
| Return on Equity (ROE) | 14.9227% | 746 |
| Retained earnings to average equity (ytd only) | 14.9227% | 196 |
| Net charge-offs to loans | -0.0020% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0148% | 6,169 |
| Assets per employee ($millions) | 14.0472% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7980% | 335 |
| Loan loss allowance to noncurrent loans | 484.9323% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,234 |
| Noncurrent loans to loans | 0.5770% | 3,724 |
| Net loans and leases to total assets | 81.5024% | 605 |
| Net loans and leases to deposits | 95.7767% | 985 |
| Net loans and leases to core deposits | 130.0579% | 273 |
| Total domestic deposits to total assets | 85.0963% | 3,083 |
| Equity capital to assets | 10.1831% | 3,822 |
| Core capital (leverage) ratio | 10.1481% | 3,400 |
| Tier 1 risk-based capital ratio | 13.7974% | 4,034 |
| Total risk-based capital ratio | 15.0710% | 3,955 |
| Memoranda: | ||
| Average total assets | $350,906,000 | 1,889 |
| Average earning assets | $320,037,330 | 1,919 |
| Average equity | $34,484,330 | 2,097 |
| Average total loans | $294,118,330 | 1,506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 472 |
| Cost of funding earning assets | 0.9501% | 226 |
| Net interest margin | 4.1630% | 1,142 |
| Noninterest income to average assets | 0.2566% | 5,122 |
| Noninterest expense to average assets | 1.6341% | 6,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4665% | 910 |
| Return on assets (ROA) | 1.4665% | 967 |
| Pretax return on assets | 2.3947% | 279 |
| Return on Equity (ROE) | 15.1983% | 684 |
| Retained earnings to average equity (ytd only) | 15.1983% | 270 |
| Net charge-offs to loans | -0.0041% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5604% | 6,256 |
| Assets per employee ($millions) | 14.1406% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8111% | 362 |
| Loan loss allowance to noncurrent loans | 530.7990% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 3,445 |
| Noncurrent loans to loans | 0.5296% | 3,984 |
| Net loans and leases to total assets | 80.5669% | 626 |
| Net loans and leases to deposits | 94.3087% | 949 |
| Net loans and leases to core deposits | 134.6431% | 196 |
| Total domestic deposits to total assets | 85.4289% | 3,207 |
| Equity capital to assets | 9.7518% | 4,430 |
| Core capital (leverage) ratio | 9.7479% | 3,959 |
| Tier 1 risk-based capital ratio | 13.4475% | 4,352 |
| Total risk-based capital ratio | 14.7219% | 4,255 |
| Memoranda: | ||
| Average total assets | $350,768,500 | 1,893 |
| Average earning assets | $317,847,500 | 1,939 |
| Average equity | $33,846,000 | 2,132 |
| Average total loans | $293,947,500 | 1,508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 216 |
| Cost of funding earning assets | 0.9418% | 307 |
| Net interest margin | 4.7929% | 441 |
| Noninterest income to average assets | 0.3376% | 4,696 |
| Noninterest expense to average assets | 1.8304% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6372% | 657 |
| Return on assets (ROA) | 1.6372% | 682 |
| Pretax return on assets | 2.8087% | 133 |
| Return on Equity (ROE) | 17.4318% | 447 |
| Retained earnings to average equity (ytd only) | 17.4318% | 97 |
| Net charge-offs to loans | 0.0553% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 57.9810% | 813 |
| Efficiency ratio | 39.4554% | 6,405 |
| Assets per employee ($millions) | 13.3855% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7930% | 377 |
| Loan loss allowance to noncurrent loans | 1,467.9144% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 4,364 |
| Noncurrent loans to loans | 0.1903% | 5,143 |
| Net loans and leases to total assets | 82.3528% | 485 |
| Net loans and leases to deposits | 96.4601% | 874 |
| Net loans and leases to core deposits | 141.9945% | 150 |
| Total domestic deposits to total assets | 85.3751% | 3,133 |
| Equity capital to assets | 9.5448% | 4,665 |
| Core capital (leverage) ratio | 9.7126% | 3,959 |
| Tier 1 risk-based capital ratio | 12.4947% | 5,040 |
| Total risk-based capital ratio | 13.7680% | 4,943 |
| Memoranda: | ||
| Average total assets | $326,166,600 | 1,992 |
| Average earning assets | $292,724,200 | 2,051 |
| Average equity | $30,633,600 | 2,237 |
| Average total loans | $285,965,200 | 1,490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7573% | 208 |
| Cost of funding earning assets | 0.9340% | 337 |
| Net interest margin | 4.8233% | 410 |
| Noninterest income to average assets | 0.3987% | 4,254 |
| Noninterest expense to average assets | 1.8201% | 6,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7511% | 556 |
| Return on assets (ROA) | 1.7511% | 578 |
| Pretax return on assets | 2.9327% | 123 |
| Return on Equity (ROE) | 18.7273% | 376 |
| Retained earnings to average equity (ytd only) | 18.7273% | 94 |
| Net charge-offs to loans | -0.0042% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2960% | 6,484 |
| Assets per employee ($millions) | 13.9392% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8275% | 428 |
| Loan loss allowance to noncurrent loans | 1,135.4054% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 3,955 |
| Noncurrent loans to loans | 0.2490% | 5,155 |
| Net loans and leases to total assets | 86.3128% | 181 |
| Net loans and leases to deposits | 100.9132% | 563 |
| Net loans and leases to core deposits | 153.9833% | 92 |
| Total domestic deposits to total assets | 85.5318% | 3,102 |
| Equity capital to assets | 9.5965% | 4,672 |
| Core capital (leverage) ratio | 9.6880% | 4,099 |
| Tier 1 risk-based capital ratio | 11.9600% | 5,514 |
| Total risk-based capital ratio | 13.2337% | 5,415 |
| Memoranda: | ||
| Average total assets | $320,702,750 | 2,038 |
| Average earning assets | $289,504,000 | 2,089 |
| Average equity | $29,987,500 | 2,286 |
| Average total loans | $283,746,250 | 1,508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 187 |
| Cost of funding earning assets | 0.9305% | 357 |
| Net interest margin | 4.8645% | 369 |
| Noninterest income to average assets | 0.3227% | 4,837 |
| Noninterest expense to average assets | 1.7989% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7217% | 557 |
| Return on assets (ROA) | 1.7217% | 581 |
| Pretax return on assets | 2.8935% | 126 |
| Return on Equity (ROE) | 18.5848% | 401 |
| Retained earnings to average equity (ytd only) | 18.5848% | 110 |
| Net charge-offs to loans | -0.0043% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3360% | 6,550 |
| Assets per employee ($millions) | 13.6809% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8831% | 440 |
| Loan loss allowance to noncurrent loans | 576.8544% | 817 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 2,235 |
| Noncurrent loans to loans | 0.4998% | 4,496 |
| Net loans and leases to total assets | 86.1647% | 168 |
| Net loans and leases to deposits | 100.8150% | 514 |
| Net loans and leases to core deposits | 151.9121% | 95 |
| Total domestic deposits to total assets | 85.4682% | 3,301 |
| Equity capital to assets | 9.3330% | 4,945 |
| Core capital (leverage) ratio | 9.4262% | 4,439 |
| Tier 1 risk-based capital ratio | 11.4998% | 5,799 |
| Total risk-based capital ratio | 12.7735% | 5,738 |
| Memoranda: | ||
| Average total assets | $316,090,330 | 2,069 |
| Average earning assets | $283,933,000 | 2,109 |
| Average equity | $29,282,000 | 2,313 |
| Average total loans | $279,277,330 | 1,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 187 |
| Cost of funding earning assets | 0.9236% | 401 |
| Net interest margin | 4.8799% | 331 |
| Noninterest income to average assets | 0.2968% | 4,983 |
| Noninterest expense to average assets | 1.7163% | 6,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7589% | 515 |
| Return on assets (ROA) | 1.7589% | 531 |
| Pretax return on assets | 2.9578% | 146 |
| Return on Equity (ROE) | 19.0623% | 354 |
| Retained earnings to average equity (ytd only) | 19.0623% | 142 |
| Net charge-offs to loans | -0.0044% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7200% | 6,633 |
| Assets per employee ($millions) | 12.8187% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9904% | 442 |
| Loan loss allowance to noncurrent loans | 2,221.1640% | 260 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 3,040 |
| Noncurrent loans to loans | 0.1346% | 5,705 |
| Net loans and leases to total assets | 84.9919% | 187 |
| Net loans and leases to deposits | 99.5774% | 462 |
| Net loans and leases to core deposits | 150.6957% | 96 |
| Total domestic deposits to total assets | 85.3527% | 3,695 |
| Equity capital to assets | 9.1382% | 4,958 |
| Core capital (leverage) ratio | 9.5116% | 4,265 |
| Tier 1 risk-based capital ratio | 11.2168% | 6,065 |
| Total risk-based capital ratio | 12.4911% | 5,995 |
| Memoranda: | ||
| Average total assets | $309,964,500 | 2,111 |
| Average earning assets | $278,039,000 | 2,163 |
| Average equity | $28,601,000 | 2,360 |
| Average total loans | $273,259,000 | 1,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 152 |
| Cost of funding earning assets | 0.9876% | 477 |
| Net interest margin | 5.1047% | 258 |
| Noninterest income to average assets | 0.6204% | 2,973 |
| Noninterest expense to average assets | 2.0360% | 5,953 |
| Loan and lease loss provision to assets | 0.2154% | 1,698 |
| Net operating income to assets | 1.7334% | 551 |
| Return on assets (ROA) | 1.7334% | 568 |
| Pretax return on assets | 2.9135% | 133 |
| Return on Equity (ROE) | 19.0512% | 333 |
| Retained earnings to average equity (ytd only) | 19.0512% | 92 |
| Net charge-offs to loans | 0.0942% | 3,903 |
| Credit loss provision to net charge-offs | 254.2373% | 889 |
| Earnings coverage of net charge-offs (x) | 36.9280% | 1,015 |
| Efficiency ratio | 39.4203% | 6,698 |
| Assets per employee ($millions) | 14.9731% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1582% | 390 |
| Loan loss allowance to noncurrent loans | 1,498.7500% | 375 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 2,869 |
| Noncurrent loans to loans | 0.2107% | 5,549 |
| Net loans and leases to total assets | 85.9401% | 157 |
| Net loans and leases to deposits | 101.0642% | 434 |
| Net loans and leases to core deposits | 151.7623% | 91 |
| Total domestic deposits to total assets | 85.0351% | 3,732 |
| Equity capital to assets | 9.3224% | 4,666 |
| Core capital (leverage) ratio | 9.5305% | 4,218 |
| Tier 1 risk-based capital ratio | 11.5696% | 5,869 |
| Total risk-based capital ratio | 12.8472% | 5,795 |
| Memoranda: | ||
| Average total assets | $278,530,600 | 2,281 |
| Average earning assets | $247,969,200 | 2,348 |
| Average equity | $25,342,200 | 2,599 |
| Average total loans | $250,627,400 | 1,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0702% | 155 |
| Cost of funding earning assets | 0.9882% | 522 |
| Net interest margin | 5.0820% | 271 |
| Noninterest income to average assets | 0.7425% | 2,401 |
| Noninterest expense to average assets | 2.1368% | 5,752 |
| Loan and lease loss provision to assets | 0.2927% | 1,172 |
| Net operating income to assets | 1.6772% | 643 |
| Return on assets (ROA) | 1.6772% | 680 |
| Pretax return on assets | 2.8213% | 163 |
| Return on Equity (ROE) | 18.5594% | 402 |
| Retained earnings to average equity (ytd only) | 18.5594% | 95 |
| Net charge-offs to loans | 0.0329% | 4,475 |
| Credit loss provision to net charge-offs | 983.6066% | 317 |
| Earnings coverage of net charge-offs (x) | 104.6410% | 478 |
| Efficiency ratio | 40.6950% | 6,737 |
| Assets per employee ($millions) | 8.9794% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3269% | 400 |
| Loan loss allowance to noncurrent loans | 867.2065% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 4,018 |
| Noncurrent loans to loans | 0.3836% | 5,246 |
| Net loans and leases to total assets | 86.6448% | 123 |
| Net loans and leases to deposits | 101.7180% | 399 |
| Net loans and leases to core deposits | 153.7517% | 82 |
| Total domestic deposits to total assets | 85.1814% | 3,643 |
| Equity capital to assets | 9.2305% | 4,900 |
| Core capital (leverage) ratio | 9.4321% | 4,503 |
| Tier 1 risk-based capital ratio | 11.5815% | 6,019 |
| Total risk-based capital ratio | 12.8623% | 5,967 |
| Memoranda: | ||
| Average total assets | $273,298,000 | 2,325 |
| Average earning assets | $242,445,500 | 2,421 |
| Average equity | $24,698,500 | 2,681 |
| Average total loans | $246,846,750 | 1,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 138 |
| Cost of funding earning assets | 1.0020% | 541 |
| Net interest margin | 5.1630% | 224 |
| Noninterest income to average assets | 0.7304% | 2,503 |
| Noninterest expense to average assets | 2.1838% | 5,671 |
| Loan and lease loss provision to assets | 0.4467% | 653 |
| Net operating income to assets | 1.5725% | 784 |
| Return on assets (ROA) | 1.5725% | 854 |
| Pretax return on assets | 2.6461% | 224 |
| Return on Equity (ROE) | 17.5340% | 506 |
| Retained earnings to average equity (ytd only) | 17.5340% | 139 |
| Net charge-offs to loans | 0.0575% | 3,879 |
| Credit loss provision to net charge-offs | 857.1429% | 353 |
| Earnings coverage of net charge-offs (x) | 59.3429% | 709 |
| Efficiency ratio | 41.3856% | 6,771 |
| Assets per employee ($millions) | 8.3391% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4249% | 395 |
| Loan loss allowance to noncurrent loans | 1,561.8613% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,428 |
| Noncurrent loans to loans | 0.2193% | 5,756 |
| Net loans and leases to total assets | 87.7002% | 97 |
| Net loans and leases to deposits | 103.8776% | 268 |
| Net loans and leases to core deposits | 159.4433% | 72 |
| Total domestic deposits to total assets | 84.4265% | 4,156 |
| Equity capital to assets | 9.1544% | 5,042 |
| Core capital (leverage) ratio | 9.2979% | 4,541 |
| Tier 1 risk-based capital ratio | 11.7188% | 5,978 |
| Total risk-based capital ratio | 13.0027% | 5,912 |
| Memoranda: | ||
| Average total assets | $268,616,670 | 2,387 |
| Average earning assets | $236,529,670 | 2,478 |
| Average equity | $24,090,330 | 2,764 |
| Average total loans | $243,284,000 | 1,699 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2101% | 129 |
| Cost of funding earning assets | 1.0147% | 568 |
| Net interest margin | 5.1954% | 196 |
| Noninterest income to average assets | 0.6694% | 2,764 |
| Noninterest expense to average assets | 2.4257% | 5,029 |
| Loan and lease loss provision to assets | 0.4523% | 627 |
| Net operating income to assets | 1.3975% | 1,028 |
| Return on assets (ROA) | 1.3975% | 1,117 |
| Pretax return on assets | 2.3533% | 329 |
| Return on Equity (ROE) | 15.7522% | 645 |
| Retained earnings to average equity (ytd only) | 15.7522% | 300 |
| Net charge-offs to loans | 0.1250% | 2,671 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 24.8133% | 1,068 |
| Efficiency ratio | 46.3689% | 6,678 |
| Assets per employee ($millions) | 8.3710% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4836% | 419 |
| Loan loss allowance to noncurrent loans | 1,506.2044% | 332 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 3,554 |
| Noncurrent loans to loans | 0.2313% | 5,835 |
| Net loans and leases to total assets | 85.3721% | 145 |
| Net loans and leases to deposits | 100.3326% | 337 |
| Net loans and leases to core deposits | 154.8894% | 83 |
| Total domestic deposits to total assets | 85.0891% | 3,994 |
| Equity capital to assets | 8.9614% | 5,536 |
| Core capital (leverage) ratio | 9.0972% | 4,722 |
| Tier 1 risk-based capital ratio | 11.7745% | 6,046 |
| Total risk-based capital ratio | 13.0591% | 5,999 |
| Memoranda: | ||
| Average total assets | $265,329,500 | 2,437 |
| Average earning assets | $232,974,000 | 2,543 |
| Average equity | $23,539,500 | 2,850 |
| Average total loans | $239,975,000 | 1,726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3426% | 156 |
| Cost of funding earning assets | 1.1428% | 758 |
| Net interest margin | 5.1998% | 272 |
| Noninterest income to average assets | 0.7251% | 2,606 |
| Noninterest expense to average assets | 2.5435% | 4,951 |
| Loan and lease loss provision to assets | 0.6836% | 771 |
| Net operating income to assets | 1.2434% | 1,464 |
| Return on assets (ROA) | 1.2434% | 1,627 |
| Pretax return on assets | 2.0958% | 498 |
| Return on Equity (ROE) | 13.5927% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.5927% | 221 |
| Net charge-offs to loans | 0.7930% | 1,477 |
| Credit loss provision to net charge-offs | 94.6186% | 3,291 |
| Earnings coverage of net charge-offs (x) | 3.8468% | 3,572 |
| Efficiency ratio | 47.7846% | 6,722 |
| Assets per employee ($millions) | 7.7290% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3040% | 505 |
| Loan loss allowance to noncurrent loans | 1,972.7273% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 4,335 |
| Noncurrent loans to loans | 0.1675% | 6,063 |
| Net loans and leases to total assets | 89.4180% | 65 |
| Net loans and leases to deposits | 104.5936% | 254 |
| Net loans and leases to core deposits | 162.7887% | 73 |
| Total domestic deposits to total assets | 85.4909% | 3,614 |
| Equity capital to assets | 8.7805% | 5,762 |
| Core capital (leverage) ratio | 9.0486% | 4,816 |
| Tier 1 risk-based capital ratio | 11.5464% | 6,063 |
| Total risk-based capital ratio | 12.8305% | 6,009 |
| Memoranda: | ||
| Average total assets | $234,044,600 | 2,688 |
| Average earning assets | $206,951,400 | 2,780 |
| Average equity | $21,408,600 | 3,052 |
| Average total loans | $213,244,400 | 1,898 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3102% | 177 |
| Cost of funding earning assets | 1.1754% | 777 |
| Net interest margin | 5.1348% | 316 |
| Noninterest income to average assets | 0.7858% | 2,300 |
| Noninterest expense to average assets | 2.6483% | 4,569 |
| Loan and lease loss provision to assets | 0.7640% | 636 |
| Net operating income to assets | 1.1167% | 2,038 |
| Return on assets (ROA) | 1.1167% | 2,232 |
| Pretax return on assets | 1.8925% | 885 |
| Return on Equity (ROE) | 12.0676% | 1,611 |
| Retained earnings to average equity (ytd only) | 12.0676% | 516 |
| Net charge-offs to loans | 1.0631% | 987 |
| Credit loss provision to net charge-offs | 79.2200% | 3,646 |
| Earnings coverage of net charge-offs (x) | 2.7544% | 3,934 |
| Efficiency ratio | 49.9224% | 6,596 |
| Assets per employee ($millions) | 7.1733% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4113% | 502 |
| Loan loss allowance to noncurrent loans | 433.6120% | 875 |
| Noncurrent assets plus other real estate owned to assets | 1.6147% | 3,171 |
| Noncurrent loans to loans | 0.7867% | 4,833 |
| Net loans and leases to total assets | 87.7292% | 100 |
| Net loans and leases to deposits | 102.9536% | 311 |
| Net loans and leases to core deposits | 158.9973% | 81 |
| Total domestic deposits to total assets | 85.2123% | 3,658 |
| Equity capital to assets | 8.7869% | 6,025 |
| Core capital (leverage) ratio | 9.2421% | 4,688 |
| Tier 1 risk-based capital ratio | 11.6384% | 6,153 |
| Total risk-based capital ratio | 12.9236% | 6,110 |
| Memoranda: | ||
| Average total assets | $226,859,000 | 2,785 |
| Average earning assets | $199,650,750 | 2,867 |
| Average equity | $20,992,250 | 3,117 |
| Average total loans | $205,803,500 | 1,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3436% | 180 |
| Cost of funding earning assets | 1.2122% | 775 |
| Net interest margin | 5.1313% | 321 |
| Noninterest income to average assets | 0.6582% | 2,907 |
| Noninterest expense to average assets | 2.6866% | 4,476 |
| Loan and lease loss provision to assets | 0.9141% | 507 |
| Net operating income to assets | 0.9269% | 2,777 |
| Return on assets (ROA) | 0.9269% | 3,038 |
| Pretax return on assets | 1.5769% | 1,619 |
| Return on Equity (ROE) | 9.8275% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.8275% | 1,018 |
| Net charge-offs to loans | 0.9708% | 1,145 |
| Credit loss provision to net charge-offs | 103.8422% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.8297% | 3,612 |
| Efficiency ratio | 51.8891% | 6,511 |
| Assets per employee ($millions) | 7.9774% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0106% | 343 |
| Loan loss allowance to noncurrent loans | 369.0950% | 980 |
| Noncurrent assets plus other real estate owned to assets | 1.9555% | 2,836 |
| Noncurrent loans to loans | 1.0866% | 4,351 |
| Net loans and leases to total assets | 84.3895% | 195 |
| Net loans and leases to deposits | 98.1968% | 517 |
| Net loans and leases to core deposits | 151.5651% | 101 |
| Total domestic deposits to total assets | 85.9392% | 3,383 |
| Equity capital to assets | 9.1517% | 5,518 |
| Core capital (leverage) ratio | 9.4585% | 4,201 |
| Tier 1 risk-based capital ratio | 12.6448% | 5,458 |
| Total risk-based capital ratio | 13.9396% | 5,400 |
| Memoranda: | ||
| Average total assets | $218,789,670 | 2,885 |
| Average earning assets | $192,699,670 | 2,964 |
| Average equity | $20,636,000 | 3,147 |
| Average total loans | $198,392,000 | 2,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3075% | 205 |
| Cost of funding earning assets | 1.2602% | 746 |
| Net interest margin | 5.0473% | 368 |
| Noninterest income to average assets | 1.4380% | 698 |
| Noninterest expense to average assets | 3.1151% | 2,867 |
| Loan and lease loss provision to assets | 1.1293% | 351 |
| Net operating income to assets | 0.9844% | 2,537 |
| Return on assets (ROA) | 0.9844% | 2,738 |
| Pretax return on assets | 1.6790% | 1,362 |
| Return on Equity (ROE) | 10.2710% | 2,311 |
| Retained earnings to average equity (ytd only) | 10.2710% | 1,204 |
| Net charge-offs to loans | 0.2675% | 2,599 |
| Credit loss provision to net charge-offs | 458.0153% | 708 |
| Earnings coverage of net charge-offs (x) | 11.3893% | 1,674 |
| Efficiency ratio | 52.5898% | 6,489 |
| Assets per employee ($millions) | 7.2386% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3764% | 269 |
| Loan loss allowance to noncurrent loans | 252.3208% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 2.2836% | 2,612 |
| Noncurrent loans to loans | 1.7345% | 3,509 |
| Net loans and leases to total assets | 86.4209% | 107 |
| Net loans and leases to deposits | 101.3879% | 331 |
| Net loans and leases to core deposits | 161.6067% | 85 |
| Total domestic deposits to total assets | 85.2379% | 3,916 |
| Equity capital to assets | 9.5097% | 4,792 |
| Core capital (leverage) ratio | 9.6129% | 3,898 |
| Tier 1 risk-based capital ratio | 12.9903% | 5,228 |
| Total risk-based capital ratio | 14.2918% | 5,150 |
| Memoranda: | ||
| Average total assets | $212,512,000 | 2,964 |
| Average earning assets | $188,854,500 | 3,029 |
| Average equity | $20,368,000 | 3,185 |
| Average total loans | $195,894,000 | 2,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4820% | 185 |
| Cost of funding earning assets | 1.5037% | 707 |
| Net interest margin | 4.9783% | 425 |
| Noninterest income to average assets | 1.2933% | 769 |
| Noninterest expense to average assets | 3.1013% | 3,190 |
| Loan and lease loss provision to assets | 1.2674% | 657 |
| Net operating income to assets | 0.9487% | 2,418 |
| Return on assets (ROA) | 0.9487% | 2,543 |
| Pretax return on assets | 1.3243% | 2,040 |
| Return on Equity (ROE) | 9.9637% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.9637% | 576 |
| Net charge-offs to loans | 0.4442% | 3,215 |
| Credit loss provision to net charge-offs | 317.3575% | 737 |
| Earnings coverage of net charge-offs (x) | 6.4896% | 2,505 |
| Efficiency ratio | 54.4752% | 6,470 |
| Assets per employee ($millions) | 6.7054% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1528% | 343 |
| Loan loss allowance to noncurrent loans | 215.0993% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 2.4703% | 2,458 |
| Noncurrent loans to loans | 1.9307% | 3,300 |
| Net loans and leases to total assets | 90.1586% | 39 |
| Net loans and leases to deposits | 107.1815% | 224 |
| Net loans and leases to core deposits | 169.4362% | 93 |
| Total domestic deposits to total assets | 84.1177% | 4,273 |
| Equity capital to assets | 9.6624% | 4,656 |
| Core capital (leverage) ratio | 10.3037% | 2,966 |
| Tier 1 risk-based capital ratio | 12.5087% | 5,440 |
| Total risk-based capital ratio | 13.8060% | 5,392 |
| Memoranda: | ||
| Average total assets | $193,307,600 | 3,139 |
| Average earning assets | $170,841,600 | 3,233 |
| Average equity | $18,406,800 | 3,373 |
| Average total loans | $173,809,400 | 2,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6342% | 159 |
| Cost of funding earning assets | 1.5312% | 771 |
| Net interest margin | 5.1030% | 337 |
| Noninterest income to average assets | 1.1437% | 1,006 |
| Noninterest expense to average assets | 2.8857% | 3,992 |
| Loan and lease loss provision to assets | 1.5114% | 454 |
| Net operating income to assets | 0.7065% | 3,579 |
| Return on assets (ROA) | 0.7065% | 3,746 |
| Pretax return on assets | 1.2168% | 2,576 |
| Return on Equity (ROE) | 7.4496% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.4496% | 1,735 |
| Net charge-offs to loans | 0.2288% | 4,006 |
| Credit loss provision to net charge-offs | 743.9446% | 368 |
| Earnings coverage of net charge-offs (x) | 13.4292% | 1,619 |
| Efficiency ratio | 51.4025% | 6,733 |
| Assets per employee ($millions) | 6.4338% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5492% | 252 |
| Loan loss allowance to noncurrent loans | 153.4849% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 3.5137% | 1,793 |
| Noncurrent loans to loans | 2.9639% | 2,348 |
| Net loans and leases to total assets | 87.3370% | 96 |
| Net loans and leases to deposits | 100.5124% | 448 |
| Net loans and leases to core deposits | 156.8130% | 119 |
| Total domestic deposits to total assets | 86.8918% | 2,718 |
| Equity capital to assets | 9.6331% | 4,884 |
| Core capital (leverage) ratio | 10.0191% | 3,418 |
| Tier 1 risk-based capital ratio | 11.9390% | 5,936 |
| Total risk-based capital ratio | 13.2371% | 5,891 |
| Memoranda: | ||
| Average total assets | $189,667,750 | 3,205 |
| Average earning assets | $166,145,250 | 3,318 |
| Average equity | $17,987,250 | 3,428 |
| Average total loans | $168,379,250 | 2,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5698% | 186 |
| Cost of funding earning assets | 1.5893% | 727 |
| Net interest margin | 4.9805% | 410 |
| Noninterest income to average assets | 0.9120% | 1,609 |
| Noninterest expense to average assets | 2.7134% | 4,762 |
| Loan and lease loss provision to assets | 1.7703% | 381 |
| Net operating income to assets | 0.4259% | 4,830 |
| Return on assets (ROA) | 0.4259% | 4,978 |
| Pretax return on assets | 0.7489% | 4,216 |
| Return on Equity (ROE) | 4.5168% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.5168% | 3,316 |
| Net charge-offs to loans | 0.3556% | 3,134 |
| Credit loss provision to net charge-offs | 567.0103% | 545 |
| Earnings coverage of net charge-offs (x) | 8.0687% | 2,121 |
| Efficiency ratio | 51.8556% | 6,799 |
| Assets per employee ($millions) | 6.1042% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5237% | 271 |
| Loan loss allowance to noncurrent loans | 190.8268% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 2.8996% | 2,319 |
| Noncurrent loans to loans | 2.3706% | 3,017 |
| Net loans and leases to total assets | 87.0089% | 109 |
| Net loans and leases to deposits | 101.4686% | 427 |
| Net loans and leases to core deposits | 162.0031% | 121 |
| Total domestic deposits to total assets | 85.7496% | 3,470 |
| Equity capital to assets | 9.4139% | 4,948 |
| Core capital (leverage) ratio | 9.5531% | 3,878 |
| Tier 1 risk-based capital ratio | 11.1441% | 6,419 |
| Total risk-based capital ratio | 12.4391% | 6,381 |
| Memoranda: | ||
| Average total assets | $186,408,000 | 3,280 |
| Average earning assets | $161,710,330 | 3,412 |
| Average equity | $17,578,670 | 3,481 |
| Average total loans | $163,674,670 | 2,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 206 |
| Cost of funding earning assets | 1.6646% | 643 |
| Net interest margin | 4.8526% | 511 |
| Noninterest income to average assets | 1.0270% | 1,246 |
| Noninterest expense to average assets | 2.5276% | 5,457 |
| Loan and lease loss provision to assets | 1.8379% | 308 |
| Net operating income to assets | 0.4735% | 4,604 |
| Return on assets (ROA) | 0.4735% | 4,686 |
| Pretax return on assets | 0.8281% | 3,798 |
| Return on Equity (ROE) | 5.0169% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.0169% | 3,183 |
| Net charge-offs to loans | 0.1230% | 3,791 |
| Credit loss provision to net charge-offs | 1,734.6939% | 228 |
| Earnings coverage of net charge-offs (x) | 25.1633% | 971 |
| Efficiency ratio | 48.6678% | 7,088 |
| Assets per employee ($millions) | 6.0533% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5748% | 271 |
| Loan loss allowance to noncurrent loans | 193.2497% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 2.7892% | 2,471 |
| Noncurrent loans to loans | 2.3673% | 3,119 |
| Net loans and leases to total assets | 80.5113% | 468 |
| Net loans and leases to deposits | 92.4569% | 980 |
| Net loans and leases to core deposits | 156.7556% | 137 |
| Total domestic deposits to total assets | 87.0798% | 2,904 |
| Equity capital to assets | 9.3748% | 4,614 |
| Core capital (leverage) ratio | 9.3212% | 4,090 |
| Tier 1 risk-based capital ratio | 13.1035% | 4,747 |
| Total risk-based capital ratio | 14.4048% | 4,684 |
| Memoranda: | ||
| Average total assets | $184,997,000 | 3,321 |
| Average earning assets | $158,841,500 | 3,490 |
| Average equity | $17,461,000 | 3,499 |
| Average total loans | $159,288,000 | 2,576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9610% | 155 |
| Cost of funding earning assets | 1.9077% | 816 |
| Net interest margin | 5.0534% | 387 |
| Noninterest income to average assets | 0.7266% | 2,669 |
| Noninterest expense to average assets | 2.1905% | 6,644 |
| Loan and lease loss provision to assets | 1.9225% | 702 |
| Net operating income to assets | 0.7588% | 2,960 |
| Return on assets (ROA) | 0.7588% | 3,083 |
| Pretax return on assets | 1.0772% | 2,670 |
| Return on Equity (ROE) | 8.1743% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.1743% | 925 |
| Net charge-offs to loans | 0.5840% | 3,287 |
| Credit loss provision to net charge-offs | 376.5227% | 667 |
| Earnings coverage of net charge-offs (x) | 5.8749% | 2,505 |
| Efficiency ratio | 42.2050% | 7,459 |
| Assets per employee ($millions) | 6.0781% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0199% | 395 |
| Loan loss allowance to noncurrent loans | 728.7330% | 470 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 4,083 |
| Noncurrent loans to loans | 0.5516% | 5,948 |
| Net loans and leases to total assets | 84.3525% | 274 |
| Net loans and leases to deposits | 97.0282% | 782 |
| Net loans and leases to core deposits | 155.4971% | 161 |
| Total domestic deposits to total assets | 86.9361% | 2,862 |
| Equity capital to assets | 9.5041% | 4,400 |
| Core capital (leverage) ratio | 9.4270% | 3,805 |
| Tier 1 risk-based capital ratio | 12.8038% | 4,770 |
| Total risk-based capital ratio | 14.0953% | 4,701 |
| Memoranda: | ||
| Average total assets | $176,855,000 | 3,422 |
| Average earning assets | $156,213,000 | 3,520 |
| Average equity | $16,417,400 | 3,684 |
| Average total loans | $154,623,800 | 2,690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8643% | 180 |
| Cost of funding earning assets | 1.9296% | 937 |
| Net interest margin | 4.9346% | 517 |
| Noninterest income to average assets | 0.2333% | 6,216 |
| Noninterest expense to average assets | 1.7217% | 7,423 |
| Loan and lease loss provision to assets | 2.0134% | 591 |
| Net operating income to assets | 0.5265% | 4,196 |
| Return on assets (ROA) | 0.5265% | 4,372 |
| Pretax return on assets | 0.8912% | 3,588 |
| Return on Equity (ROE) | 5.7074% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.7074% | 2,538 |
| Net charge-offs to loans | 0.0365% | 6,197 |
| Credit loss provision to net charge-offs | 6,309.5238% | 41 |
| Earnings coverage of net charge-offs (x) | 91.0216% | 339 |
| Efficiency ratio | 37.2146% | 7,623 |
| Assets per employee ($millions) | 6.6809% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0169% | 363 |
| Loan loss allowance to noncurrent loans | 278.8511% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9336% | 3,567 |
| Noncurrent loans to loans | 1.4405% | 4,456 |
| Net loans and leases to total assets | 86.8049% | 151 |
| Net loans and leases to deposits | 99.8342% | 674 |
| Net loans and leases to core deposits | 163.8137% | 136 |
| Total domestic deposits to total assets | 86.9490% | 2,561 |
| Equity capital to assets | 9.2253% | 5,268 |
| Core capital (leverage) ratio | 9.2964% | 4,217 |
| Tier 1 risk-based capital ratio | 12.1743% | 5,296 |
| Total risk-based capital ratio | 13.4677% | 5,223 |
| Memoranda: | ||
| Average total assets | $175,483,250 | 3,491 |
| Average earning assets | $156,225,500 | 3,567 |
| Average equity | $16,189,250 | 3,770 |
| Average total loans | $153,216,750 | 2,758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8214% | 197 |
| Cost of funding earning assets | 1.9649% | 1,000 |
| Net interest margin | 4.8566% | 592 |
| Noninterest income to average assets | 0.0253% | 7,447 |
| Noninterest expense to average assets | 1.5174% | 7,607 |
| Loan and lease loss provision to assets | 2.1858% | 552 |
| Net operating income to assets | 0.3716% | 4,886 |
| Return on assets (ROA) | 0.3716% | 5,049 |
| Pretax return on assets | 0.6385% | 4,438 |
| Return on Equity (ROE) | 4.0278% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.0278% | 3,520 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9497% | 7,709 |
| Assets per employee ($millions) | 16.5004% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7104% | 469 |
| Loan loss allowance to noncurrent loans | 237.1197% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 3,595 |
| Noncurrent loans to loans | 1.5648% | 4,363 |
| Net loans and leases to total assets | 83.5717% | 389 |
| Net loans and leases to deposits | 95.2610% | 1,117 |
| Net loans and leases to core deposits | 166.2221% | 143 |
| Total domestic deposits to total assets | 87.7292% | 2,150 |
| Equity capital to assets | 8.9425% | 5,535 |
| Core capital (leverage) ratio | 9.1189% | 4,433 |
| Tier 1 risk-based capital ratio | 12.0890% | 5,237 |
| Total risk-based capital ratio | 13.3776% | 5,171 |
| Memoranda: | ||
| Average total assets | $173,849,330 | 3,537 |
| Average earning assets | $154,512,670 | 3,628 |
| Average equity | $16,038,670 | 3,792 |
| Average total loans | $149,910,330 | 2,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9387% | 188 |
| Cost of funding earning assets | 2.0069% | 1,063 |
| Net interest margin | 4.9318% | 486 |
| Noninterest income to average assets | 0.0141% | 7,613 |
| Noninterest expense to average assets | 1.4869% | 7,716 |
| Loan and lease loss provision to assets | 2.1174% | 520 |
| Net operating income to assets | 0.4446% | 4,641 |
| Return on assets (ROA) | 0.4446% | 4,773 |
| Pretax return on assets | 0.7575% | 4,034 |
| Return on Equity (ROE) | 4.7420% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.7420% | 3,300 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0885% | 7,814 |
| Assets per employee ($millions) | 16.9280% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 685 |
| Loan loss allowance to noncurrent loans | 198.8916% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 3,779 |
| Noncurrent loans to loans | 1.6171% | 4,322 |
| Net loans and leases to total assets | 78.2990% | 1,093 |
| Net loans and leases to deposits | 88.8883% | 2,071 |
| Net loans and leases to core deposits | 164.4770% | 171 |
| Total domestic deposits to total assets | 88.0870% | 2,011 |
| Equity capital to assets | 8.6232% | 5,843 |
| Core capital (leverage) ratio | 9.0765% | 4,425 |
| Tier 1 risk-based capital ratio | 12.3834% | 4,846 |
| Total risk-based capital ratio | 13.6643% | 4,774 |
| Memoranda: | ||
| Average total assets | $170,022,000 | 3,661 |
| Average earning assets | $149,884,500 | 3,755 |
| Average equity | $15,942,500 | 3,836 |
| Average total loans | $146,100,000 | 2,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2413% | 192 |
| Cost of funding earning assets | 2.4724% | 1,086 |
| Net interest margin | 4.7690% | 737 |
| Noninterest income to average assets | 0.0419% | 7,540 |
| Noninterest expense to average assets | 1.7638% | 7,647 |
| Loan and lease loss provision to assets | 1.8958% | 1,177 |
| Net operating income to assets | 0.4089% | 4,097 |
| Return on assets (ROA) | 0.4089% | 4,203 |
| Pretax return on assets | 0.7068% | 3,547 |
| Return on Equity (ROE) | 3.9213% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.9213% | 2,467 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3945% | 7,852 |
| Assets per employee ($millions) | 15.3836% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7869% | 942 |
| Loan loss allowance to noncurrent loans | 180.6319% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 3,439 |
| Noncurrent loans to loans | 1.5429% | 4,341 |
| Net loans and leases to total assets | 89.4531% | 108 |
| Net loans and leases to deposits | 104.2468% | 636 |
| Net loans and leases to core deposits | 129.9664% | 1,288 |
| Total domestic deposits to total assets | 85.8089% | 3,107 |
| Equity capital to assets | 10.2889% | 3,414 |
| Core capital (leverage) ratio | 10.9134% | 2,276 |
| Tier 1 risk-based capital ratio | 12.6990% | 4,368 |
| Total risk-based capital ratio | 13.9722% | 4,284 |
| Memoranda: | ||
| Average total assets | $124,223,600 | 4,464 |
| Average earning assets | $112,645,200 | 4,490 |
| Average equity | $12,954,800 | 4,520 |
| Average total loans | $114,464,800 | 3,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2461% | 213 |
| Cost of funding earning assets | 2.6169% | 991 |
| Net interest margin | 4.6292% | 941 |
| Noninterest income to average assets | 0.0411% | 7,684 |
| Noninterest expense to average assets | 1.8101% | 7,655 |
| Loan and lease loss provision to assets | 1.8318% | 1,016 |
| Net operating income to assets | 0.3492% | 4,601 |
| Return on assets (ROA) | 0.3492% | 4,696 |
| Pretax return on assets | 0.6106% | 4,156 |
| Return on Equity (ROE) | 3.3342% | 4,646 |
| Retained earnings to average equity (ytd only) | 3.3342% | 3,437 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5658% | 7,874 |
| Assets per employee ($millions) | 13.9922% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4926% | 1,071 |
| Loan loss allowance to noncurrent loans | 174.8768% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9061% | 3,491 |
| Noncurrent loans to loans | 1.4254% | 4,538 |
| Net loans and leases to total assets | 89.3241% | 144 |
| Net loans and leases to deposits | 103.9610% | 779 |
| Net loans and leases to core deposits | 122.4817% | 2,033 |
| Total domestic deposits to total assets | 85.9207% | 2,732 |
| Equity capital to assets | 11.1405% | 2,887 |
| Core capital (leverage) ratio | 12.3523% | 1,641 |
| Tier 1 risk-based capital ratio | 14.0481% | 3,521 |
| Total risk-based capital ratio | 15.3179% | 3,455 |
| Memoranda: | ||
| Average total assets | $116,820,500 | 4,679 |
| Average earning assets | $106,279,500 | 4,699 |
| Average equity | $12,236,500 | 4,736 |
| Average total loans | $107,692,000 | 3,779 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2701% | 217 |
| Cost of funding earning assets | 2.8037% | 783 |
| Net interest margin | 4.4665% | 1,254 |
| Noninterest income to average assets | 0.0385% | 7,798 |
| Noninterest expense to average assets | 1.8768% | 7,655 |
| Loan and lease loss provision to assets | 1.5671% | 1,085 |
| Net operating income to assets | 0.3666% | 4,632 |
| Return on assets (ROA) | 0.3666% | 4,729 |
| Pretax return on assets | 0.6415% | 4,187 |
| Return on Equity (ROE) | 3.5973% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.5973% | 3,297 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9399% | 7,854 |
| Assets per employee ($millions) | 13.7928% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 1,406 |
| Loan loss allowance to noncurrent loans | 184.2502% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 3,563 |
| Noncurrent loans to loans | 1.1376% | 4,942 |
| Net loans and leases to total assets | 91.9958% | 58 |
| Net loans and leases to deposits | 105.5619% | 793 |
| Net loans and leases to core deposits | 125.7504% | 1,896 |
| Total domestic deposits to total assets | 87.1487% | 2,170 |
| Equity capital to assets | 12.4413% | 1,951 |
| Core capital (leverage) ratio | 13.2649% | 1,342 |
| Tier 1 risk-based capital ratio | 15.9369% | 2,644 |
| Total risk-based capital ratio | 17.2031% | 2,584 |
| Memoranda: | ||
| Average total assets | $109,120,000 | 4,908 |
| Average earning assets | $98,870,330 | 4,925 |
| Average equity | $11,119,330 | 5,050 |
| Average total loans | $100,863,000 | 3,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2900% | 228 |
| Cost of funding earning assets | 3.0529% | 527 |
| Net interest margin | 4.2372% | 1,787 |
| Noninterest income to average assets | 0.0354% | 7,901 |
| Noninterest expense to average assets | 1.9879% | 7,381 |
| Loan and lease loss provision to assets | 1.5943% | 786 |
| Net operating income to assets | 0.1338% | 5,874 |
| Return on assets (ROA) | 0.1338% | 6,043 |
| Pretax return on assets | 0.2559% | 5,803 |
| Return on Equity (ROE) | 1.5184% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.5184% | 5,004 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7949% | 7,438 |
| Assets per employee ($millions) | 13.6493% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0211% | 1,368 |
| Loan loss allowance to noncurrent loans | 95.9596% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 3,053 |
| Noncurrent loans to loans | 2.1062% | 3,110 |
| Net loans and leases to total assets | 88.5699% | 226 |
| Net loans and leases to deposits | 97.2000% | 1,774 |
| Net loans and leases to core deposits | 123.0618% | 2,161 |
| Total domestic deposits to total assets | 91.1213% | 376 |
| Equity capital to assets | 8.4620% | 6,133 |
| Core capital (leverage) ratio | 9.1257% | 4,509 |
| Tier 1 risk-based capital ratio | 11.5527% | 5,355 |
| Total risk-based capital ratio | 12.8180% | 5,241 |
| Memoranda: | ||
| Average total assets | $101,612,500 | 5,131 |
| Average earning assets | $91,193,000 | 5,178 |
| Average equity | $8,957,000 | 5,712 |
| Average total loans | $92,972,500 | 4,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8564% | 226 |
| Cost of funding earning assets | 3.2533% | 1,037 |
| Net interest margin | 4.6031% | 1,166 |
| Noninterest income to average assets | 0.0704% | 7,790 |
| Noninterest expense to average assets | 2.1264% | 7,169 |
| Loan and lease loss provision to assets | 1.9166% | 650 |
| Net operating income to assets | 0.4212% | 5,071 |
| Return on assets (ROA) | 0.4212% | 4,888 |
| Pretax return on assets | 0.4212% | 5,202 |
| Return on Equity (ROE) | 3.6622% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.6622% | 2,876 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6331% | 7,837 |
| Assets per employee ($millions) | 11.7539% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,580 |
| Loan loss allowance to noncurrent loans | 144.5455% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 3,920 |
| Noncurrent loans to loans | 1.2609% | 3,990 |
| Net loans and leases to total assets | 91.0838% | 128 |
| Net loans and leases to deposits | 100.6842% | 1,758 |
| Net loans and leases to core deposits | 133.3152% | 1,634 |
| Total domestic deposits to total assets | 90.4648% | 508 |
| Equity capital to assets | 9.2246% | 5,043 |
| Core capital (leverage) ratio | 9.7202% | 3,745 |
| Tier 1 risk-based capital ratio | 12.3424% | 4,558 |
| Total risk-based capital ratio | 13.6031% | 4,438 |
| Memoranda: | ||
| Average total assets | $68,143,200 | 6,087 |
| Average earning assets | $65,042,600 | 5,990 |
| Average equity | $7,836,800 | 6,159 |
| Average total loans | $62,287,400 | 5,167 |