Home > Hancock County Savings Bank, F.S.B. > Performance and Condition Ratios
Hancock County Savings Bank, F.S.B., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 3,925 |
| Cost of funding earning assets | 1.3173% | 3,563 |
| Net interest margin | 3.1552% | 3,105 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 2.3988% | 2,584 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.7543% | 2,963 |
| Return on assets (ROA) | 0.7588% | 2,956 |
| Pretax return on assets | 1.0175% | 2,703 |
| Return on Equity (ROE) | 4.2600% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.2634% | 2,786 |
| Net charge-offs to loans | 0.0075% | 1,964 |
| Credit loss provision to net charge-offs | 562.5000% | 505 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 505 |
| Efficiency ratio | 69.5922% | 1,863 |
| Assets per employee ($millions) | 6.0835% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 2,986 |
| Loan loss allowance to noncurrent loans | 200.5405% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 1,495 |
| Noncurrent loans to loans | 0.5222% | 1,814 |
| Net loans and leases to total assets | 85.3600% | 173 |
| Net loans and leases to deposits | 108.0818% | 190 |
| Net loans and leases to core deposits | 117.1482% | 628 |
| Total domestic deposits to total assets | 78.9800% | 3,704 |
| Equity capital to assets | 17.6941% | 363 |
| Core capital (leverage) ratio | 17.9409% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9504% | 178 |
| Memoranda: | ||
| Average total assets | $487,079,500 | 1,815 |
| Average earning assets | $475,532,500 | 1,749 |
| Average equity | $86,692,000 | 1,165 |
| Average total loans | $424,362,000 | 1,489 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 3,994 |
| Cost of funding earning assets | 1.2423% | 3,762 |
| Net interest margin | 3.1505% | 2,823 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.5098% | 2,279 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.6582% | 3,082 |
| Return on assets (ROA) | 0.6580% | 3,110 |
| Pretax return on assets | 0.8841% | 2,850 |
| Return on Equity (ROE) | 3.6600% | 3,754 |
| Retained earnings to average equity (ytd only) | 3.6562% | 2,759 |
| Net charge-offs to loans | 0.0478% | 1,673 |
| Credit loss provision to net charge-offs | 146.7337% | 1,434 |
| Earnings coverage of net charge-offs (x) | 22.4020% | 1,749 |
| Efficiency ratio | 72.5026% | 1,722 |
| Assets per employee ($millions) | 6.1717% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 2,987 |
| Loan loss allowance to noncurrent loans | 273.7136% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,875 |
| Noncurrent loans to loans | 0.3808% | 2,125 |
| Net loans and leases to total assets | 87.0800% | 113 |
| Net loans and leases to deposits | 110.6889% | 166 |
| Net loans and leases to core deposits | 119.9012% | 604 |
| Total domestic deposits to total assets | 78.6700% | 3,700 |
| Equity capital to assets | 17.9050% | 344 |
| Core capital (leverage) ratio | 18.0368% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9423% | 182 |
| Memoranda: | ||
| Average total assets | $470,512,600 | 1,837 |
| Average earning assets | $459,384,400 | 1,774 |
| Average equity | $84,678,600 | 1,154 |
| Average total loans | $416,713,000 | 1,484 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 4,006 |
| Cost of funding earning assets | 1.2142% | 3,796 |
| Net interest margin | 3.1429% | 2,810 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.4572% | 2,375 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.6917% | 2,998 |
| Return on assets (ROA) | 0.6949% | 3,015 |
| Pretax return on assets | 0.9294% | 2,740 |
| Return on Equity (ROE) | 3.8600% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.8560% | 2,907 |
| Net charge-offs to loans | 0.0607% | 1,301 |
| Credit loss provision to net charge-offs | 128.5714% | 1,425 |
| Earnings coverage of net charge-offs (x) | 18.4815% | 1,809 |
| Efficiency ratio | 71.0665% | 1,898 |
| Assets per employee ($millions) | 5.7187% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,054 |
| Loan loss allowance to noncurrent loans | 251.6389% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,768 |
| Noncurrent loans to loans | 0.4128% | 2,044 |
| Net loans and leases to total assets | 87.8300% | 75 |
| Net loans and leases to deposits | 111.8591% | 156 |
| Net loans and leases to core deposits | 121.7458% | 568 |
| Total domestic deposits to total assets | 78.5200% | 3,665 |
| Equity capital to assets | 18.0375% | 340 |
| Core capital (leverage) ratio | 18.1594% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9218% | 180 |
| Memoranda: | ||
| Average total assets | $467,792,000 | 1,837 |
| Average earning assets | $456,812,000 | 1,785 |
| Average equity | $84,299,750 | 1,153 |
| Average total loans | $414,982,500 | 1,484 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 4,009 |
| Cost of funding earning assets | 1.1650% | 3,831 |
| Net interest margin | 3.1535% | 2,735 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.4885% | 2,276 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.7054% | 2,928 |
| Return on assets (ROA) | 0.7050% | 2,947 |
| Pretax return on assets | 0.9435% | 2,645 |
| Return on Equity (ROE) | 3.9100% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.9136% | 2,742 |
| Net charge-offs to loans | 0.0465% | 1,328 |
| Credit loss provision to net charge-offs | 63.5417% | 1,755 |
| Earnings coverage of net charge-offs (x) | 23.5521% | 1,538 |
| Efficiency ratio | 71.8242% | 1,882 |
| Assets per employee ($millions) | 5.5692% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,130 |
| Loan loss allowance to noncurrent loans | 297.5711% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 1,902 |
| Noncurrent loans to loans | 0.3458% | 2,159 |
| Net loans and leases to total assets | 87.1300% | 111 |
| Net loans and leases to deposits | 110.9323% | 198 |
| Net loans and leases to core deposits | 120.2304% | 627 |
| Total domestic deposits to total assets | 78.5400% | 3,646 |
| Equity capital to assets | 17.8905% | 349 |
| Core capital (leverage) ratio | 18.2422% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1502% | 177 |
| Memoranda: | ||
| Average total assets | $465,504,000 | 1,838 |
| Average earning assets | $454,608,333 | 1,779 |
| Average equity | $83,861,000 | 1,150 |
| Average total loans | $412,881,333 | 1,492 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 3,961 |
| Cost of funding earning assets | 1.1696% | 3,777 |
| Net interest margin | 3.1309% | 2,714 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.3815% | 2,568 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.7168% | 2,786 |
| Return on assets (ROA) | 0.7141% | 2,818 |
| Pretax return on assets | 0.9541% | 2,517 |
| Return on Equity (ROE) | 3.9500% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.9499% | 2,726 |
| Net charge-offs to loans | 0.0701% | 887 |
| Credit loss provision to net charge-offs | 116.6667% | 1,065 |
| Earnings coverage of net charge-offs (x) | 16.5139% | 1,431 |
| Efficiency ratio | 69.6977% | 2,181 |
| Assets per employee ($millions) | 5.7835% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,045 |
| Loan loss allowance to noncurrent loans | 305.0669% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 1,756 |
| Noncurrent loans to loans | 0.3445% | 2,096 |
| Net loans and leases to total assets | 88.2000% | 74 |
| Net loans and leases to deposits | 112.7495% | 144 |
| Net loans and leases to core deposits | 121.4354% | 594 |
| Total domestic deposits to total assets | 78.2300% | 3,765 |
| Equity capital to assets | 18.1246% | 341 |
| Core capital (leverage) ratio | 18.3142% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2338% | 180 |
| Memoranda: | ||
| Average total assets | $461,564,000 | 1,855 |
| Average earning assets | $450,734,500 | 1,795 |
| Average equity | $83,446,000 | 1,149 |
| Average total loans | $410,957,000 | 1,490 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,926 |
| Cost of funding earning assets | 0.8186% | 3,686 |
| Net interest margin | 3.2045% | 2,865 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4738% | 2,362 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7563% | 3,027 |
| Return on assets (ROA) | 0.7561% | 3,004 |
| Pretax return on assets | 0.9949% | 2,700 |
| Return on Equity (ROE) | 4.2300% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.2272% | 2,885 |
| Net charge-offs to loans | 0.0273% | 1,768 |
| Credit loss provision to net charge-offs | 153.2110% | 1,455 |
| Earnings coverage of net charge-offs (x) | 43.2477% | 1,392 |
| Efficiency ratio | 70.3768% | 1,828 |
| Assets per employee ($millions) | 5.7557% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,044 |
| Loan loss allowance to noncurrent loans | 329.6720% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 1,761 |
| Noncurrent loans to loans | 0.3202% | 2,033 |
| Net loans and leases to total assets | 87.9900% | 86 |
| Net loans and leases to deposits | 114.0962% | 135 |
| Net loans and leases to core deposits | 122.6965% | 549 |
| Total domestic deposits to total assets | 77.1200% | 3,838 |
| Equity capital to assets | 18.0332% | 345 |
| Core capital (leverage) ratio | 18.0412% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2740% | 177 |
| Memoranda: | ||
| Average total assets | $457,345,200 | 1,830 |
| Average earning assets | $446,275,200 | 1,760 |
| Average equity | $81,803,200 | 1,113 |
| Average total loans | $398,653,400 | 1,475 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,934 |
| Cost of funding earning assets | 0.7088% | 3,747 |
| Net interest margin | 3.2340% | 2,837 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.3622% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8966% | 2,691 |
| Return on assets (ROA) | 0.8936% | 2,692 |
| Pretax return on assets | 1.1678% | 2,369 |
| Return on Equity (ROE) | 5.0100% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,927 |
| Net charge-offs to loans | 0.0290% | 1,494 |
| Credit loss provision to net charge-offs | 1.1628% | 2,097 |
| Earnings coverage of net charge-offs (x) | 46.6279% | 1,353 |
| Efficiency ratio | 66.6088% | 2,206 |
| Assets per employee ($millions) | 5.8655% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,197 |
| Loan loss allowance to noncurrent loans | 316.4269% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 1,817 |
| Noncurrent loans to loans | 0.3262% | 2,062 |
| Net loans and leases to total assets | 86.4900% | 137 |
| Net loans and leases to deposits | 112.7055% | 149 |
| Net loans and leases to core deposits | 120.9263% | 531 |
| Total domestic deposits to total assets | 76.7400% | 3,952 |
| Equity capital to assets | 17.8023% | 356 |
| Core capital (leverage) ratio | 18.0380% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1924% | 181 |
| Memoranda: | ||
| Average total assets | $456,568,500 | 1,833 |
| Average earning assets | $445,420,000 | 1,764 |
| Average equity | $81,495,500 | 1,115 |
| Average total loans | $395,944,750 | 1,475 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,887 |
| Cost of funding earning assets | 0.6031% | 3,742 |
| Net interest margin | 3.2885% | 2,781 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3786% | 2,564 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.8335% | 2,979 |
| Return on assets (ROA) | 0.8325% | 2,992 |
| Pretax return on assets | 1.0737% | 2,713 |
| Return on Equity (ROE) | 4.6600% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.6597% | 3,040 |
| Net charge-offs to loans | 0.0387% | 1,139 |
| Credit loss provision to net charge-offs | 377.6316% | 753 |
| Earnings coverage of net charge-offs (x) | 35.8947% | 1,468 |
| Efficiency ratio | 66.1911% | 2,213 |
| Assets per employee ($millions) | 5.8641% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 2,804 |
| Loan loss allowance to noncurrent loans | 282.0416% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 1,504 |
| Noncurrent loans to loans | 0.3998% | 1,729 |
| Net loans and leases to total assets | 85.7900% | 161 |
| Net loans and leases to deposits | 109.8755% | 206 |
| Net loans and leases to core deposits | 115.3570% | 639 |
| Total domestic deposits to total assets | 78.0800% | 3,840 |
| Equity capital to assets | 17.7975% | 352 |
| Core capital (leverage) ratio | 17.8580% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9938% | 172 |
| Memoranda: | ||
| Average total assets | $454,300,000 | 1,841 |
| Average earning assets | $443,064,000 | 1,778 |
| Average equity | $81,163,667 | 1,110 |
| Average total loans | $392,935,667 | 1,471 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7914% | 3,868 |
| Cost of funding earning assets | 0.4946% | 3,707 |
| Net interest margin | 3.2967% | 2,885 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.2034% | 3,092 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9810% | 2,590 |
| Return on assets (ROA) | 0.9824% | 2,555 |
| Pretax return on assets | 1.2881% | 2,213 |
| Return on Equity (ROE) | 5.4900% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.4885% | 2,892 |
| Net charge-offs to loans | 0.0460% | 895 |
| Credit loss provision to net charge-offs | 235.5556% | 764 |
| Earnings coverage of net charge-offs (x) | 34.7111% | 1,248 |
| Efficiency ratio | 61.1686% | 2,798 |
| Assets per employee ($millions) | 5.9114% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,035 |
| Loan loss allowance to noncurrent loans | 213.8408% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 1,153 |
| Noncurrent loans to loans | 0.5161% | 1,435 |
| Net loans and leases to total assets | 85.1600% | 179 |
| Net loans and leases to deposits | 108.9905% | 203 |
| Net loans and leases to core deposits | 113.6524% | 590 |
| Total domestic deposits to total assets | 78.1400% | 3,993 |
| Equity capital to assets | 17.7273% | 315 |
| Core capital (leverage) ratio | 17.9662% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2751% | 178 |
| Memoranda: | ||
| Average total assets | $452,749,500 | 1,872 |
| Average earning assets | $441,528,000 | 1,800 |
| Average equity | $81,042,500 | 1,126 |
| Average total loans | $390,952,500 | 1,496 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 2,973 |
| Cost of funding earning assets | 0.3299% | 2,634 |
| Net interest margin | 3.2103% | 2,842 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3723% | 2,506 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.9024% | 2,948 |
| Return on assets (ROA) | 0.8931% | 2,922 |
| Pretax return on assets | 1.1847% | 2,487 |
| Return on Equity (ROE) | 5.0400% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.0403% | 3,034 |
| Net charge-offs to loans | 0.0311% | 1,447 |
| Credit loss provision to net charge-offs | -258.9744% | 4,613 |
| Earnings coverage of net charge-offs (x) | 43.2479% | 1,456 |
| Efficiency ratio | 67.3804% | 2,038 |
| Assets per employee ($millions) | 5.9253% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 4,431 |
| Loan loss allowance to noncurrent loans | 215.1549% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 2,166 |
| Noncurrent loans to loans | 0.2318% | 2,347 |
| Net loans and leases to total assets | 86.1600% | 148 |
| Net loans and leases to deposits | 111.7784% | 134 |
| Net loans and leases to core deposits | 115.5680% | 451 |
| Total domestic deposits to total assets | 77.0800% | 4,163 |
| Equity capital to assets | 18.0747% | 286 |
| Core capital (leverage) ratio | 18.1494% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4315% | 175 |
| Memoranda: | ||
| Average total assets | $448,211,400 | 1,860 |
| Average earning assets | $435,596,200 | 1,804 |
| Average equity | $79,419,600 | 1,135 |
| Average total loans | $376,697,800 | 1,469 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 2,688 |
| Cost of funding earning assets | 0.3218% | 1,947 |
| Net interest margin | 3.1560% | 2,755 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.2822% | 2,684 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8709% | 3,002 |
| Return on assets (ROA) | 0.8577% | 3,014 |
| Pretax return on assets | 1.1374% | 2,603 |
| Return on Equity (ROE) | 4.8700% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.8652% | 3,147 |
| Net charge-offs to loans | 0.0382% | 1,113 |
| Credit loss provision to net charge-offs | 28.0374% | 1,606 |
| Earnings coverage of net charge-offs (x) | 36.4953% | 1,424 |
| Efficiency ratio | 65.8714% | 2,295 |
| Assets per employee ($millions) | 6.0002% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5980% | 4,384 |
| Loan loss allowance to noncurrent loans | 202.4779% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 1,963 |
| Noncurrent loans to loans | 0.2953% | 2,184 |
| Net loans and leases to total assets | 84.5200% | 210 |
| Net loans and leases to deposits | 109.1308% | 132 |
| Net loans and leases to core deposits | 112.6292% | 397 |
| Total domestic deposits to total assets | 77.4400% | 4,298 |
| Equity capital to assets | 17.8199% | 282 |
| Core capital (leverage) ratio | 17.8934% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5706% | 173 |
| Memoranda: | ||
| Average total assets | $447,684,250 | 1,867 |
| Average earning assets | $434,631,250 | 1,812 |
| Average equity | $78,926,000 | 1,159 |
| Average total loans | $373,387,500 | 1,474 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 2,326 |
| Cost of funding earning assets | 0.3245% | 1,486 |
| Net interest margin | 3.1153% | 2,486 |
| Noninterest income to average assets | 0.3813% | 2,861 |
| Noninterest expense to average assets | 2.2600% | 2,671 |
| Loan and lease loss provision to assets | 0.0134% | 2,353 |
| Net operating income to assets | 0.8518% | 2,766 |
| Return on assets (ROA) | 0.8373% | 2,804 |
| Pretax return on assets | 1.1103% | 2,368 |
| Return on Equity (ROE) | 4.7666% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.7666% | 2,794 |
| Net charge-offs to loans | 0.0535% | 857 |
| Credit loss provision to net charge-offs | 30.3030% | 1,570 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,457 |
| Efficiency ratio | 66.0616% | 2,497 |
| Assets per employee ($millions) | 6.0593% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 4,452 |
| Loan loss allowance to noncurrent loans | 200.0872% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 1,943 |
| Noncurrent loans to loans | 0.3044% | 2,241 |
| Net loans and leases to total assets | 83.5227% | 206 |
| Net loans and leases to deposits | 107.6879% | 106 |
| Net loans and leases to core deposits | 110.5247% | 342 |
| Total domestic deposits to total assets | 77.5600% | 4,376 |
| Equity capital to assets | 17.7075% | 239 |
| Core capital (leverage) ratio | 17.5836% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8321% | 165 |
| Memoranda: | ||
| Average total assets | $446,908,000 | 1,883 |
| Average earning assets | $433,347,667 | 1,833 |
| Average equity | $78,504,000 | 1,181 |
| Average total loans | $370,309,333 | 1,474 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 2,059 |
| Cost of funding earning assets | 0.3283% | 1,392 |
| Net interest margin | 3.0813% | 2,230 |
| Noninterest income to average assets | 0.3783% | 2,823 |
| Noninterest expense to average assets | 2.1732% | 2,913 |
| Loan and lease loss provision to assets | 0.0269% | 1,881 |
| Net operating income to assets | 0.8778% | 2,372 |
| Return on assets (ROA) | 0.8616% | 2,436 |
| Pretax return on assets | 1.1449% | 2,001 |
| Return on Equity (ROE) | 4.9246% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.9246% | 2,610 |
| Net charge-offs to loans | 0.0469% | 823 |
| Credit loss provision to net charge-offs | 69.7674% | 1,139 |
| Earnings coverage of net charge-offs (x) | 30.9302% | 1,114 |
| Efficiency ratio | 64.2515% | 2,993 |
| Assets per employee ($millions) | 5.8895% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 4,477 |
| Loan loss allowance to noncurrent loans | 232.4111% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,222 |
| Noncurrent loans to loans | 0.2741% | 2,492 |
| Net loans and leases to total assets | 81.9674% | 164 |
| Net loans and leases to deposits | 105.4503% | 105 |
| Net loans and leases to core deposits | 108.2266% | 301 |
| Total domestic deposits to total assets | 77.7308% | 4,422 |
| Equity capital to assets | 17.5449% | 246 |
| Core capital (leverage) ratio | 17.6897% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9704% | 166 |
| Memoranda: | ||
| Average total assets | $446,169,000 | 1,894 |
| Average earning assets | $432,539,500 | 1,849 |
| Average equity | $78,057,000 | 1,219 |
| Average total loans | $367,064,500 | 1,469 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 2,732 |
| Cost of funding earning assets | 0.3897% | 1,613 |
| Net interest margin | 3.0861% | 2,953 |
| Noninterest income to average assets | 0.3813% | 3,158 |
| Noninterest expense to average assets | 2.2511% | 2,947 |
| Loan and lease loss provision to assets | -0.0725% | 4,454 |
| Net operating income to assets | 0.8801% | 3,109 |
| Return on assets (ROA) | 0.8774% | 3,177 |
| Pretax return on assets | 1.1765% | 2,745 |
| Return on Equity (ROE) | 5.0421% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.0421% | 2,771 |
| Net charge-offs to loans | -0.0579% | 4,394 |
| Credit loss provision to net charge-offs | 156.7164% | 1,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6415% | 2,175 |
| Assets per employee ($millions) | 5.7758% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 4,495 |
| Loan loss allowance to noncurrent loans | 235.9281% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 2,380 |
| Noncurrent loans to loans | 0.2746% | 2,621 |
| Net loans and leases to total assets | 81.5147% | 199 |
| Net loans and leases to deposits | 105.5960% | 111 |
| Net loans and leases to core deposits | 108.4475% | 312 |
| Total domestic deposits to total assets | 77.1949% | 4,456 |
| Equity capital to assets | 17.4447% | 278 |
| Core capital (leverage) ratio | 17.5103% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1709% | 176 |
| Memoranda: | ||
| Average total assets | $434,591,800 | 1,882 |
| Average earning assets | $419,268,200 | 1,841 |
| Average equity | $75,623,800 | 1,267 |
| Average total loans | $347,163,800 | 1,528 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 2,875 |
| Cost of funding earning assets | 0.3971% | 1,713 |
| Net interest margin | 3.0886% | 3,087 |
| Noninterest income to average assets | 0.3888% | 3,157 |
| Noninterest expense to average assets | 2.2256% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8485% | 3,393 |
| Return on assets (ROA) | 0.8459% | 3,460 |
| Pretax return on assets | 1.1362% | 3,115 |
| Return on Equity (ROE) | 4.8641% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.8641% | 3,268 |
| Net charge-offs to loans | -0.0864% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7497% | 2,131 |
| Assets per employee ($millions) | 5.6082% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 4,413 |
| Loan loss allowance to noncurrent loans | 230.0681% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 2,387 |
| Noncurrent loans to loans | 0.3286% | 2,608 |
| Net loans and leases to total assets | 80.0333% | 290 |
| Net loans and leases to deposits | 102.6786% | 178 |
| Net loans and leases to core deposits | 105.5649% | 418 |
| Total domestic deposits to total assets | 77.9455% | 4,432 |
| Equity capital to assets | 17.2697% | 323 |
| Core capital (leverage) ratio | 17.2842% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9255% | 196 |
| Memoranda: | ||
| Average total assets | $432,055,250 | 1,908 |
| Average earning assets | $416,355,500 | 1,869 |
| Average equity | $75,134,000 | 1,289 |
| Average total loans | $342,732,000 | 1,574 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 2,903 |
| Cost of funding earning assets | 0.4046% | 1,848 |
| Net interest margin | 3.0923% | 3,056 |
| Noninterest income to average assets | 0.3889% | 3,162 |
| Noninterest expense to average assets | 2.2858% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7994% | 3,517 |
| Return on assets (ROA) | 0.7965% | 3,595 |
| Pretax return on assets | 1.0757% | 3,286 |
| Return on Equity (ROE) | 4.5692% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.5692% | 3,337 |
| Net charge-offs to loans | 0.0112% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 121.6842% | 664 |
| Efficiency ratio | 67.5361% | 1,934 |
| Assets per employee ($millions) | 5.6065% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 4,521 |
| Loan loss allowance to noncurrent loans | 255.1867% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,733 |
| Noncurrent loans to loans | 0.2788% | 2,938 |
| Net loans and leases to total assets | 77.5224% | 477 |
| Net loans and leases to deposits | 99.1573% | 283 |
| Net loans and leases to core deposits | 101.9311% | 593 |
| Total domestic deposits to total assets | 78.1812% | 4,418 |
| Equity capital to assets | 17.0418% | 322 |
| Core capital (leverage) ratio | 17.2038% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2277% | 213 |
| Memoranda: | ||
| Average total assets | $428,391,000 | 1,916 |
| Average earning assets | $412,308,333 | 1,873 |
| Average equity | $74,674,333 | 1,288 |
| Average total loans | $337,880,333 | 1,603 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5737% | 2,725 |
| Cost of funding earning assets | 0.4177% | 1,951 |
| Net interest margin | 3.1560% | 2,821 |
| Noninterest income to average assets | 0.3904% | 3,143 |
| Noninterest expense to average assets | 2.1485% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9433% | 2,996 |
| Return on assets (ROA) | 0.9365% | 3,100 |
| Pretax return on assets | 1.2690% | 2,658 |
| Return on Equity (ROE) | 5.3103% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.3103% | 3,122 |
| Net charge-offs to loans | 0.0036% | 1,799 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 448.3333% | 209 |
| Efficiency ratio | 62.2955% | 2,704 |
| Assets per employee ($millions) | 5.7534% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 4,509 |
| Loan loss allowance to noncurrent loans | 256.3147% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 2,980 |
| Noncurrent loans to loans | 0.2870% | 3,074 |
| Net loans and leases to total assets | 77.4292% | 501 |
| Net loans and leases to deposits | 99.5539% | 298 |
| Net loans and leases to core deposits | 102.6351% | 615 |
| Total domestic deposits to total assets | 77.7761% | 4,458 |
| Equity capital to assets | 17.3257% | 284 |
| Core capital (leverage) ratio | 17.8229% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1597% | 216 |
| Memoranda: | ||
| Average total assets | $421,128,000 | 1,927 |
| Average earning assets | $405,065,000 | 1,889 |
| Average equity | $74,271,000 | 1,288 |
| Average total loans | $333,910,500 | 1,616 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 3,238 |
| Cost of funding earning assets | 0.5002% | 2,943 |
| Net interest margin | 3.3234% | 3,009 |
| Noninterest income to average assets | 0.3732% | 3,247 |
| Noninterest expense to average assets | 2.4955% | 2,861 |
| Loan and lease loss provision to assets | -0.0431% | 4,930 |
| Net operating income to assets | 0.8468% | 2,913 |
| Return on assets (ROA) | 0.8490% | 3,039 |
| Pretax return on assets | 1.1388% | 2,554 |
| Return on Equity (ROE) | 4.6259% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.6259% | 2,465 |
| Net charge-offs to loans | 0.0051% | 3,163 |
| Credit loss provision to net charge-offs | -1,056.2500% | 4,065 |
| Earnings coverage of net charge-offs (x) | 267.7500% | 373 |
| Efficiency ratio | 69.0388% | 2,088 |
| Assets per employee ($millions) | 5.5507% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 4,511 |
| Loan loss allowance to noncurrent loans | 188.8043% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 2,718 |
| Noncurrent loans to loans | 0.3964% | 2,791 |
| Net loans and leases to total assets | 80.0376% | 423 |
| Net loans and leases to deposits | 104.9129% | 247 |
| Net loans and leases to core deposits | 108.1544% | 567 |
| Total domestic deposits to total assets | 76.2896% | 4,493 |
| Equity capital to assets | 17.9624% | 276 |
| Core capital (leverage) ratio | 18.1935% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6306% | 181 |
| Memoranda: | ||
| Average total assets | $391,987,000 | 1,882 |
| Average earning assets | $379,223,000 | 1,836 |
| Average equity | $71,942,800 | 1,272 |
| Average total loans | $315,663,200 | 1,628 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,363 |
| Cost of funding earning assets | 0.5132% | 3,146 |
| Net interest margin | 3.3550% | 3,030 |
| Noninterest income to average assets | 0.3677% | 3,259 |
| Noninterest expense to average assets | 2.4501% | 2,990 |
| Loan and lease loss provision to assets | 0.1469% | 2,550 |
| Net operating income to assets | 0.7593% | 3,251 |
| Return on assets (ROA) | 0.7625% | 3,354 |
| Pretax return on assets | 1.0266% | 2,973 |
| Return on Equity (ROE) | 4.1314% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.1314% | 2,978 |
| Net charge-offs to loans | 0.0068% | 2,879 |
| Credit loss provision to net charge-offs | 2,668.7500% | 380 |
| Earnings coverage of net charge-offs (x) | 212.3125% | 478 |
| Efficiency ratio | 67.1676% | 2,291 |
| Assets per employee ($millions) | 5.3951% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,877 |
| Loan loss allowance to noncurrent loans | 188.9982% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 2,509 |
| Noncurrent loans to loans | 0.5041% | 2,541 |
| Net loans and leases to total assets | 80.0711% | 608 |
| Net loans and leases to deposits | 105.4303% | 341 |
| Net loans and leases to core deposits | 108.7927% | 740 |
| Total domestic deposits to total assets | 75.9470% | 4,430 |
| Equity capital to assets | 18.2023% | 288 |
| Core capital (leverage) ratio | 18.4536% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2970% | 186 |
| Memoranda: | ||
| Average total assets | $387,295,750 | 1,886 |
| Average earning assets | $375,393,250 | 1,825 |
| Average equity | $71,483,250 | 1,260 |
| Average total loans | $311,770,250 | 1,636 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,676 |
| Cost of funding earning assets | 0.5230% | 3,401 |
| Net interest margin | 3.3566% | 3,232 |
| Noninterest income to average assets | 0.3631% | 3,307 |
| Noninterest expense to average assets | 2.4596% | 3,072 |
| Loan and lease loss provision to assets | 0.2228% | 1,879 |
| Net operating income to assets | 0.6686% | 3,507 |
| Return on assets (ROA) | 0.6736% | 3,596 |
| Pretax return on assets | 0.9486% | 3,183 |
| Return on Equity (ROE) | 3.6321% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6321% | 3,108 |
| Net charge-offs to loans | -0.0013% | 3,772 |
| Credit loss provision to net charge-offs | -21,350.0000% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3096% | 2,334 |
| Assets per employee ($millions) | 5.5323% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 3,623 |
| Loan loss allowance to noncurrent loans | 226.4275% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 2,929 |
| Noncurrent loans to loans | 0.4369% | 2,855 |
| Net loans and leases to total assets | 77.7095% | 890 |
| Net loans and leases to deposits | 102.7645% | 425 |
| Net loans and leases to core deposits | 106.0211% | 893 |
| Total domestic deposits to total assets | 75.6190% | 4,462 |
| Equity capital to assets | 18.0131% | 303 |
| Core capital (leverage) ratio | 18.2970% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1273% | 197 |
| Memoranda: | ||
| Average total assets | $383,316,000 | 1,878 |
| Average earning assets | $372,461,667 | 1,812 |
| Average equity | $71,087,667 | 1,252 |
| Average total loans | $308,111,333 | 1,633 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,637 |
| Cost of funding earning assets | 0.5407% | 3,738 |
| Net interest margin | 3.5155% | 2,926 |
| Noninterest income to average assets | 0.3672% | 3,316 |
| Noninterest expense to average assets | 2.5811% | 3,040 |
| Loan and lease loss provision to assets | 0.3300% | 936 |
| Net operating income to assets | 0.6500% | 3,447 |
| Return on assets (ROA) | 0.6567% | 3,484 |
| Pretax return on assets | 0.8834% | 3,180 |
| Return on Equity (ROE) | 3.4880% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.4880% | 2,895 |
| Net charge-offs to loans | -0.0065% | 3,935 |
| Credit loss provision to net charge-offs | -6,200.0000% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6413% | 2,731 |
| Assets per employee ($millions) | 5.1833% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,825 |
| Loan loss allowance to noncurrent loans | 197.1542% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,852 |
| Noncurrent loans to loans | 0.4942% | 2,783 |
| Net loans and leases to total assets | 80.0097% | 695 |
| Net loans and leases to deposits | 104.1890% | 360 |
| Net loans and leases to core deposits | 107.7006% | 956 |
| Total domestic deposits to total assets | 76.7928% | 4,380 |
| Equity capital to assets | 18.7830% | 303 |
| Core capital (leverage) ratio | 18.8938% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6160% | 179 |
| Memoranda: | ||
| Average total assets | $375,811,000 | 1,868 |
| Average earning assets | $365,465,500 | 1,792 |
| Average equity | $70,756,000 | 1,249 |
| Average total loans | $305,852,000 | 1,618 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 3,957 |
| Cost of funding earning assets | 0.5632% | 3,810 |
| Net interest margin | 3.5761% | 3,211 |
| Noninterest income to average assets | 0.4031% | 3,276 |
| Noninterest expense to average assets | 2.6971% | 2,891 |
| Loan and lease loss provision to assets | -0.0327% | 4,980 |
| Net operating income to assets | 0.9068% | 3,180 |
| Return on assets (ROA) | 0.9100% | 3,249 |
| Pretax return on assets | 1.2204% | 2,768 |
| Return on Equity (ROE) | 4.9402% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.9402% | 2,449 |
| Net charge-offs to loans | 0.0264% | 2,869 |
| Credit loss provision to net charge-offs | -154.4304% | 4,265 |
| Earnings coverage of net charge-offs (x) | 55.9494% | 1,032 |
| Efficiency ratio | 69.0291% | 2,315 |
| Assets per employee ($millions) | 5.0438% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,081 |
| Loan loss allowance to noncurrent loans | 186.5546% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 2,881 |
| Noncurrent loans to loans | 0.4667% | 2,779 |
| Net loans and leases to total assets | 81.2664% | 645 |
| Net loans and leases to deposits | 106.1235% | 295 |
| Net loans and leases to core deposits | 110.2212% | 836 |
| Total domestic deposits to total assets | 76.5772% | 4,536 |
| Equity capital to assets | 18.8727% | 305 |
| Core capital (leverage) ratio | 18.7416% | 289 |
| Tier 1 risk-based capital ratio | 35.7255% | 314 |
| Total risk-based capital ratio | 36.9764% | 308 |
| Memoranda: | ||
| Average total assets | $373,400,200 | 1,831 |
| Average earning assets | $363,133,000 | 1,770 |
| Average equity | $68,783,200 | 1,235 |
| Average total loans | $299,440,200 | 1,604 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 4,056 |
| Cost of funding earning assets | 0.5582% | 3,880 |
| Net interest margin | 3.5839% | 3,292 |
| Noninterest income to average assets | 0.3920% | 3,371 |
| Noninterest expense to average assets | 2.6613% | 2,976 |
| Loan and lease loss provision to assets | 0.0118% | 3,658 |
| Net operating income to assets | 0.9138% | 3,295 |
| Return on assets (ROA) | 0.9186% | 3,358 |
| Pretax return on assets | 1.2114% | 2,949 |
| Return on Equity (ROE) | 5.0178% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.0178% | 2,882 |
| Net charge-offs to loans | 0.0166% | 2,814 |
| Credit loss provision to net charge-offs | 89.1892% | 2,405 |
| Earnings coverage of net charge-offs (x) | 92.1391% | 793 |
| Efficiency ratio | 68.1580% | 2,385 |
| Assets per employee ($millions) | 5.1880% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,846 |
| Loan loss allowance to noncurrent loans | 199.3728% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 2,920 |
| Noncurrent loans to loans | 0.4741% | 2,873 |
| Net loans and leases to total assets | 80.2610% | 815 |
| Net loans and leases to deposits | 104.3992% | 392 |
| Net loans and leases to core deposits | 108.5539% | 1,016 |
| Total domestic deposits to total assets | 76.8789% | 4,531 |
| Equity capital to assets | 18.6385% | 337 |
| Core capital (leverage) ratio | 18.5369% | 313 |
| Tier 1 risk-based capital ratio | 35.5626% | 332 |
| Total risk-based capital ratio | 36.8153% | 324 |
| Memoranda: | ||
| Average total assets | $373,439,500 | 1,848 |
| Average earning assets | $363,280,000 | 1,784 |
| Average equity | $68,368,750 | 1,241 |
| Average total loans | $297,804,000 | 1,622 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 4,086 |
| Cost of funding earning assets | 0.5457% | 3,901 |
| Net interest margin | 3.5873% | 3,306 |
| Noninterest income to average assets | 0.3910% | 3,333 |
| Noninterest expense to average assets | 2.5945% | 3,209 |
| Loan and lease loss provision to assets | 0.0177% | 3,440 |
| Net operating income to assets | 0.9682% | 3,034 |
| Return on assets (ROA) | 0.9737% | 3,081 |
| Pretax return on assets | 1.2753% | 2,654 |
| Return on Equity (ROE) | 5.3509% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.3509% | 2,595 |
| Net charge-offs to loans | -0.0027% | 4,011 |
| Credit loss provision to net charge-offs | -825.0000% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4044% | 2,764 |
| Assets per employee ($millions) | 5.3330% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,760 |
| Loan loss allowance to noncurrent loans | 206.4011% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 3,030 |
| Noncurrent loans to loans | 0.4722% | 2,864 |
| Net loans and leases to total assets | 77.8731% | 1,245 |
| Net loans and leases to deposits | 101.4516% | 577 |
| Net loans and leases to core deposits | 105.1914% | 1,293 |
| Total domestic deposits to total assets | 76.7588% | 4,593 |
| Equity capital to assets | 18.1871% | 362 |
| Core capital (leverage) ratio | 18.2354% | 324 |
| Tier 1 risk-based capital ratio | 35.2535% | 330 |
| Total risk-based capital ratio | 36.5061% | 325 |
| Memoranda: | ||
| Average total assets | $373,408,000 | 1,856 |
| Average earning assets | $363,222,330 | 1,787 |
| Average equity | $67,951,330 | 1,239 |
| Average total loans | $296,184,330 | 1,636 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 4,067 |
| Cost of funding earning assets | 0.5230% | 3,958 |
| Net interest margin | 3.6000% | 3,248 |
| Noninterest income to average assets | 0.3679% | 3,388 |
| Noninterest expense to average assets | 2.5351% | 3,404 |
| Loan and lease loss provision to assets | 0.0356% | 2,913 |
| Net operating income to assets | 1.0133% | 2,797 |
| Return on assets (ROA) | 1.0184% | 2,821 |
| Pretax return on assets | 1.3086% | 2,421 |
| Return on Equity (ROE) | 5.5945% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.5945% | 2,646 |
| Net charge-offs to loans | 0.0460% | 1,619 |
| Credit loss provision to net charge-offs | 97.0588% | 1,651 |
| Earnings coverage of net charge-offs (x) | 36.4706% | 1,211 |
| Efficiency ratio | 65.0139% | 3,084 |
| Assets per employee ($millions) | 5.1388% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,887 |
| Loan loss allowance to noncurrent loans | 202.4028% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,035 |
| Noncurrent loans to loans | 0.4781% | 2,880 |
| Net loans and leases to total assets | 78.1275% | 1,126 |
| Net loans and leases to deposits | 101.7332% | 512 |
| Net loans and leases to core deposits | 105.3434% | 1,216 |
| Total domestic deposits to total assets | 76.7965% | 4,674 |
| Equity capital to assets | 18.1210% | 343 |
| Core capital (leverage) ratio | 18.3549% | 316 |
| Tier 1 risk-based capital ratio | 35.3160% | 318 |
| Total risk-based capital ratio | 36.5689% | 311 |
| Memoranda: | ||
| Average total assets | $370,790,500 | 1,872 |
| Average earning assets | $361,004,000 | 1,805 |
| Average equity | $67,495,000 | 1,237 |
| Average total loans | $295,395,000 | 1,652 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 4,026 |
| Cost of funding earning assets | 0.4563% | 3,640 |
| Net interest margin | 3.5447% | 3,560 |
| Noninterest income to average assets | 0.4100% | 3,383 |
| Noninterest expense to average assets | 2.6771% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9027% | 3,428 |
| Return on assets (ROA) | 0.9027% | 3,421 |
| Pretax return on assets | 1.1749% | 2,986 |
| Return on Equity (ROE) | 5.0573% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.0573% | 2,731 |
| Net charge-offs to loans | 0.0361% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 41.3846% | 1,277 |
| Efficiency ratio | 69.0100% | 2,385 |
| Assets per employee ($millions) | 4.8860% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,853 |
| Loan loss allowance to noncurrent loans | 168.2325% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,697 |
| Noncurrent loans to loans | 0.5776% | 2,554 |
| Net loans and leases to total assets | 79.6781% | 985 |
| Net loans and leases to deposits | 104.1383% | 474 |
| Net loans and leases to core deposits | 107.6241% | 1,148 |
| Total domestic deposits to total assets | 76.5118% | 4,693 |
| Equity capital to assets | 18.2870% | 322 |
| Core capital (leverage) ratio | 18.3363% | 306 |
| Tier 1 risk-based capital ratio | 34.1167% | 335 |
| Total risk-based capital ratio | 35.3693% | 330 |
| Memoranda: | ||
| Average total assets | $366,332,800 | 1,847 |
| Average earning assets | $355,710,600 | 1,786 |
| Average equity | $65,390,600 | 1,231 |
| Average total loans | $288,457,800 | 1,640 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,019 |
| Cost of funding earning assets | 0.4434% | 3,574 |
| Net interest margin | 3.5276% | 3,606 |
| Noninterest income to average assets | 0.4120% | 3,412 |
| Noninterest expense to average assets | 2.6517% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9165% | 3,451 |
| Return on assets (ROA) | 0.9165% | 3,458 |
| Pretax return on assets | 1.1830% | 3,054 |
| Return on Equity (ROE) | 5.1662% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.1662% | 3,145 |
| Net charge-offs to loans | 0.0186% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 81.2531% | 870 |
| Efficiency ratio | 68.6379% | 2,417 |
| Assets per employee ($millions) | 5.0708% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,725 |
| Loan loss allowance to noncurrent loans | 233.0151% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,294 |
| Noncurrent loans to loans | 0.4311% | 3,109 |
| Net loans and leases to total assets | 79.0687% | 1,154 |
| Net loans and leases to deposits | 103.1674% | 593 |
| Net loans and leases to core deposits | 106.4890% | 1,269 |
| Total domestic deposits to total assets | 76.6411% | 4,699 |
| Equity capital to assets | 18.1315% | 325 |
| Core capital (leverage) ratio | 17.9663% | 332 |
| Tier 1 risk-based capital ratio | 34.2211% | 339 |
| Total risk-based capital ratio | 35.4740% | 333 |
| Memoranda: | ||
| Average total assets | $366,303,000 | 1,855 |
| Average earning assets | $355,395,500 | 1,790 |
| Average equity | $64,985,000 | 1,234 |
| Average total loans | $286,860,500 | 1,654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,951 |
| Cost of funding earning assets | 0.4317% | 3,487 |
| Net interest margin | 3.5091% | 3,599 |
| Noninterest income to average assets | 0.4025% | 3,464 |
| Noninterest expense to average assets | 2.6288% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9266% | 3,337 |
| Return on assets (ROA) | 0.9266% | 3,341 |
| Pretax return on assets | 1.1786% | 3,016 |
| Return on Equity (ROE) | 5.2616% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.2616% | 2,951 |
| Net charge-offs to loans | 0.0631% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 24.0111% | 1,691 |
| Efficiency ratio | 68.5145% | 2,556 |
| Assets per employee ($millions) | 5.0064% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,807 |
| Loan loss allowance to noncurrent loans | 302.4160% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,548 |
| Noncurrent loans to loans | 0.3324% | 3,506 |
| Net loans and leases to total assets | 76.5399% | 1,555 |
| Net loans and leases to deposits | 99.8321% | 819 |
| Net loans and leases to core deposits | 102.8890% | 1,498 |
| Total domestic deposits to total assets | 76.6687% | 4,773 |
| Equity capital to assets | 17.6488% | 355 |
| Core capital (leverage) ratio | 17.7002% | 332 |
| Tier 1 risk-based capital ratio | 33.5725% | 359 |
| Total risk-based capital ratio | 34.8252% | 350 |
| Memoranda: | ||
| Average total assets | $366,704,330 | 1,858 |
| Average earning assets | $355,820,670 | 1,798 |
| Average equity | $64,580,670 | 1,244 |
| Average total loans | $285,278,000 | 1,662 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 3,860 |
| Cost of funding earning assets | 0.4121% | 3,502 |
| Net interest margin | 3.5126% | 3,491 |
| Noninterest income to average assets | 0.4035% | 3,442 |
| Noninterest expense to average assets | 2.5678% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0208% | 2,776 |
| Return on assets (ROA) | 1.0208% | 2,797 |
| Pretax return on assets | 1.2466% | 2,568 |
| Return on Equity (ROE) | 5.8025% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.8025% | 2,809 |
| Net charge-offs to loans | 0.0520% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 30.7297% | 1,223 |
| Efficiency ratio | 66.8008% | 3,031 |
| Assets per employee ($millions) | 5.0606% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,772 |
| Loan loss allowance to noncurrent loans | 131.9532% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 2,311 |
| Noncurrent loans to loans | 0.7817% | 2,251 |
| Net loans and leases to total assets | 76.1506% | 1,515 |
| Net loans and leases to deposits | 99.1579% | 772 |
| Net loans and leases to core deposits | 102.1459% | 1,514 |
| Total domestic deposits to total assets | 76.7972% | 4,882 |
| Equity capital to assets | 17.4923% | 359 |
| Core capital (leverage) ratio | 17.7508% | 323 |
| Tier 1 risk-based capital ratio | 33.8019% | 353 |
| Total risk-based capital ratio | 35.0550% | 350 |
| Memoranda: | ||
| Average total assets | $364,820,500 | 1,877 |
| Average earning assets | $354,266,500 | 1,816 |
| Average equity | $64,179,000 | 1,258 |
| Average total loans | $284,698,000 | 1,677 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,978 |
| Cost of funding earning assets | 0.4227% | 3,030 |
| Net interest margin | 3.3986% | 3,860 |
| Noninterest income to average assets | 0.3921% | 3,691 |
| Noninterest expense to average assets | 2.4792% | 3,855 |
| Loan and lease loss provision to assets | 0.0067% | 4,133 |
| Net operating income to assets | 0.6960% | 3,620 |
| Return on assets (ROA) | 0.6960% | 3,673 |
| Pretax return on assets | 1.1997% | 2,774 |
| Return on Equity (ROE) | 4.0050% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.0050% | 2,793 |
| Net charge-offs to loans | 0.0286% | 3,236 |
| Credit loss provision to net charge-offs | 30.3797% | 3,532 |
| Earnings coverage of net charge-offs (x) | 54.9873% | 1,021 |
| Efficiency ratio | 66.7169% | 3,131 |
| Assets per employee ($millions) | 5.0030% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,678 |
| Loan loss allowance to noncurrent loans | 131.2555% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 2,448 |
| Noncurrent loans to loans | 0.7933% | 2,229 |
| Net loans and leases to total assets | 78.3352% | 1,244 |
| Net loans and leases to deposits | 102.4642% | 579 |
| Net loans and leases to core deposits | 105.5874% | 1,287 |
| Total domestic deposits to total assets | 76.4513% | 4,928 |
| Equity capital to assets | 17.6942% | 338 |
| Core capital (leverage) ratio | 17.4928% | 332 |
| Tier 1 risk-based capital ratio | 33.5801% | 355 |
| Total risk-based capital ratio | 34.8340% | 348 |
| Memoranda: | ||
| Average total assets | $360,079,000 | 1,868 |
| Average earning assets | $348,933,000 | 1,808 |
| Average equity | $62,571,600 | 1,267 |
| Average total loans | $276,181,200 | 1,680 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,031 |
| Cost of funding earning assets | 0.4207% | 2,981 |
| Net interest margin | 3.3730% | 3,937 |
| Noninterest income to average assets | 0.3873% | 3,772 |
| Noninterest expense to average assets | 2.4463% | 3,896 |
| Loan and lease loss provision to assets | 0.0067% | 3,993 |
| Net operating income to assets | 0.7628% | 3,679 |
| Return on assets (ROA) | 0.7628% | 3,741 |
| Pretax return on assets | 1.2006% | 2,908 |
| Return on Equity (ROE) | 4.4101% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.4101% | 3,273 |
| Net charge-offs to loans | 0.0146% | 3,227 |
| Credit loss provision to net charge-offs | 60.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 108.6640% | 659 |
| Efficiency ratio | 66.3998% | 3,147 |
| Assets per employee ($millions) | 4.9541% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,636 |
| Loan loss allowance to noncurrent loans | 119.3344% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,442 |
| Noncurrent loans to loans | 0.9009% | 2,128 |
| Net loans and leases to total assets | 75.5987% | 1,660 |
| Net loans and leases to deposits | 98.1712% | 897 |
| Net loans and leases to core deposits | 101.3616% | 1,596 |
| Total domestic deposits to total assets | 77.0070% | 4,894 |
| Equity capital to assets | 17.2694% | 403 |
| Core capital (leverage) ratio | 17.2737% | 357 |
| Tier 1 risk-based capital ratio | 32.5339% | 399 |
| Total risk-based capital ratio | 33.7890% | 388 |
| Memoranda: | ||
| Average total assets | $360,045,000 | 1,881 |
| Average earning assets | $348,646,750 | 1,819 |
| Average equity | $62,280,250 | 1,276 |
| Average total loans | $273,940,500 | 1,700 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 3,928 |
| Cost of funding earning assets | 0.4164% | 2,919 |
| Net interest margin | 3.3739% | 3,863 |
| Noninterest income to average assets | 0.3823% | 3,812 |
| Noninterest expense to average assets | 2.4552% | 3,905 |
| Loan and lease loss provision to assets | 0.0101% | 3,735 |
| Net operating income to assets | 0.7550% | 3,612 |
| Return on assets (ROA) | 0.7550% | 3,667 |
| Pretax return on assets | 1.1865% | 2,818 |
| Return on Equity (ROE) | 4.3625% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.3625% | 3,105 |
| Net charge-offs to loans | 0.0574% | 2,108 |
| Credit loss provision to net charge-offs | 23.0769% | 2,766 |
| Earnings coverage of net charge-offs (x) | 27.4487% | 1,540 |
| Efficiency ratio | 66.6514% | 3,237 |
| Assets per employee ($millions) | 5.2524% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,693 |
| Loan loss allowance to noncurrent loans | 114.8392% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 2,405 |
| Noncurrent loans to loans | 0.9400% | 2,087 |
| Net loans and leases to total assets | 73.8734% | 1,897 |
| Net loans and leases to deposits | 95.5310% | 1,118 |
| Net loans and leases to core deposits | 98.3367% | 1,777 |
| Total domestic deposits to total assets | 77.3293% | 4,911 |
| Equity capital to assets | 17.0257% | 401 |
| Core capital (leverage) ratio | 17.1172% | 364 |
| Tier 1 risk-based capital ratio | 32.2475% | 395 |
| Total risk-based capital ratio | 33.5017% | 385 |
| Memoranda: | ||
| Average total assets | $357,859,000 | 1,894 |
| Average earning assets | $346,779,330 | 1,830 |
| Average equity | $61,937,000 | 1,283 |
| Average total loans | $271,867,670 | 1,706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,742 |
| Cost of funding earning assets | 0.4054% | 2,941 |
| Net interest margin | 3.4031% | 3,647 |
| Noninterest income to average assets | 0.4125% | 3,575 |
| Noninterest expense to average assets | 2.3720% | 4,196 |
| Loan and lease loss provision to assets | 0.0204% | 3,313 |
| Net operating income to assets | 0.8488% | 2,997 |
| Return on assets (ROA) | 0.8488% | 3,039 |
| Pretax return on assets | 1.3214% | 2,162 |
| Return on Equity (ROE) | 4.8631% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8631% | 2,974 |
| Net charge-offs to loans | -0.0044% | 4,147 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2591% | 3,946 |
| Assets per employee ($millions) | 5.1052% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,574 |
| Loan loss allowance to noncurrent loans | 118.7598% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 2,488 |
| Noncurrent loans to loans | 0.9445% | 2,155 |
| Net loans and leases to total assets | 74.0563% | 1,724 |
| Net loans and leases to deposits | 95.9306% | 940 |
| Net loans and leases to core deposits | 98.7852% | 1,601 |
| Total domestic deposits to total assets | 77.1978% | 5,093 |
| Equity capital to assets | 17.1004% | 376 |
| Core capital (leverage) ratio | 17.4431% | 327 |
| Tier 1 risk-based capital ratio | 32.6796% | 392 |
| Total risk-based capital ratio | 33.9342% | 381 |
| Memoranda: | ||
| Average total assets | $352,954,500 | 1,919 |
| Average earning assets | $342,392,000 | 1,859 |
| Average equity | $61,606,500 | 1,289 |
| Average total loans | $270,515,000 | 1,727 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 3,742 |
| Cost of funding earning assets | 0.3670% | 3,345 |
| Net interest margin | 3.4830% | 3,500 |
| Noninterest income to average assets | 0.3895% | 3,967 |
| Noninterest expense to average assets | 2.6481% | 3,529 |
| Loan and lease loss provision to assets | -0.0734% | 5,638 |
| Net operating income to assets | 0.7412% | 3,583 |
| Return on assets (ROA) | 0.7412% | 3,699 |
| Pretax return on assets | 1.1776% | 2,769 |
| Return on Equity (ROE) | 4.2437% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.2437% | 2,885 |
| Net charge-offs to loans | 0.1787% | 1,537 |
| Credit loss provision to net charge-offs | -53.0526% | 4,824 |
| Earnings coverage of net charge-offs (x) | 7.9853% | 2,939 |
| Efficiency ratio | 69.9201% | 2,915 |
| Assets per employee ($millions) | 4.7700% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,597 |
| Loan loss allowance to noncurrent loans | 133.9238% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 2,674 |
| Noncurrent loans to loans | 0.8377% | 2,429 |
| Net loans and leases to total assets | 77.6059% | 1,267 |
| Net loans and leases to deposits | 98.2943% | 798 |
| Net loans and leases to core deposits | 101.1783% | 1,521 |
| Total domestic deposits to total assets | 78.9526% | 4,808 |
| Equity capital to assets | 17.8282% | 314 |
| Core capital (leverage) ratio | 17.8951% | 295 |
| Tier 1 risk-based capital ratio | 34.6566% | 332 |
| Total risk-based capital ratio | 35.9126% | 327 |
| Memoranda: | ||
| Average total assets | $343,497,800 | 1,930 |
| Average earning assets | $331,637,400 | 1,866 |
| Average equity | $59,994,200 | 1,292 |
| Average total loans | $265,840,400 | 1,698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 3,765 |
| Cost of funding earning assets | 0.3686% | 3,344 |
| Net interest margin | 3.4822% | 3,535 |
| Noninterest income to average assets | 0.4029% | 3,901 |
| Noninterest expense to average assets | 2.6098% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7262% | 3,718 |
| Return on assets (ROA) | 0.7262% | 3,851 |
| Pretax return on assets | 1.1520% | 3,039 |
| Return on Equity (ROE) | 4.1796% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.1796% | 3,347 |
| Net charge-offs to loans | 0.1948% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.6692% | 2,853 |
| Efficiency ratio | 68.7061% | 3,097 |
| Assets per employee ($millions) | 4.7880% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,912 |
| Loan loss allowance to noncurrent loans | 135.4267% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 2,526 |
| Noncurrent loans to loans | 0.9285% | 2,391 |
| Net loans and leases to total assets | 77.7079% | 1,247 |
| Net loans and leases to deposits | 98.3606% | 824 |
| Net loans and leases to core deposits | 101.3734% | 1,527 |
| Total domestic deposits to total assets | 79.0031% | 4,722 |
| Equity capital to assets | 17.8296% | 358 |
| Core capital (leverage) ratio | 17.6741% | 322 |
| Tier 1 risk-based capital ratio | 34.9715% | 335 |
| Total risk-based capital ratio | 36.2353% | 331 |
| Memoranda: | ||
| Average total assets | $343,512,500 | 1,930 |
| Average earning assets | $331,349,500 | 1,870 |
| Average equity | $59,685,500 | 1,305 |
| Average total loans | $264,912,250 | 1,706 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 3,802 |
| Cost of funding earning assets | 0.3664% | 3,392 |
| Net interest margin | 3.4755% | 3,586 |
| Noninterest income to average assets | 0.3969% | 3,891 |
| Noninterest expense to average assets | 2.5599% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7508% | 3,543 |
| Return on assets (ROA) | 0.7508% | 3,699 |
| Pretax return on assets | 1.1883% | 2,826 |
| Return on Equity (ROE) | 4.3586% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.3586% | 3,141 |
| Net charge-offs to loans | 0.2166% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 7.1608% | 2,659 |
| Efficiency ratio | 67.6006% | 3,425 |
| Assets per employee ($millions) | 4.6602% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,723 |
| Loan loss allowance to noncurrent loans | 126.5522% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 2,143 |
| Noncurrent loans to loans | 1.0372% | 2,208 |
| Net loans and leases to total assets | 76.5776% | 1,401 |
| Net loans and leases to deposits | 96.6671% | 1,007 |
| Net loans and leases to core deposits | 99.6218% | 1,662 |
| Total domestic deposits to total assets | 79.2179% | 4,729 |
| Equity capital to assets | 17.6474% | 367 |
| Core capital (leverage) ratio | 17.4201% | 334 |
| Tier 1 risk-based capital ratio | 34.8828% | 337 |
| Total risk-based capital ratio | 36.1470% | 331 |
| Memoranda: | ||
| Average total assets | $344,701,670 | 1,934 |
| Average earning assets | $332,382,670 | 1,867 |
| Average equity | $59,377,000 | 1,310 |
| Average total loans | $264,040,330 | 1,707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 3,882 |
| Cost of funding earning assets | 0.3681% | 3,417 |
| Net interest margin | 3.4492% | 3,668 |
| Noninterest income to average assets | 0.3735% | 4,049 |
| Noninterest expense to average assets | 2.5340% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7828% | 3,334 |
| Return on assets (ROA) | 0.7828% | 3,440 |
| Pretax return on assets | 1.1667% | 2,832 |
| Return on Equity (ROE) | 4.5996% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.5996% | 3,174 |
| Net charge-offs to loans | 0.3151% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.8654% | 2,385 |
| Efficiency ratio | 67.7570% | 3,504 |
| Assets per employee ($millions) | 4.5997% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,682 |
| Loan loss allowance to noncurrent loans | 127.4919% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9484% | 2,334 |
| Noncurrent loans to loans | 1.0552% | 2,283 |
| Net loans and leases to total assets | 76.3335% | 1,338 |
| Net loans and leases to deposits | 96.0983% | 935 |
| Net loans and leases to core deposits | 98.8288% | 1,575 |
| Total domestic deposits to total assets | 79.4327% | 4,873 |
| Equity capital to assets | 17.4531% | 381 |
| Core capital (leverage) ratio | 16.9746% | 373 |
| Tier 1 risk-based capital ratio | 34.5083% | 349 |
| Total risk-based capital ratio | 35.7727% | 344 |
| Memoranda: | ||
| Average total assets | $346,957,000 | 1,933 |
| Average earning assets | $334,685,000 | 1,857 |
| Average equity | $59,048,000 | 1,312 |
| Average total loans | $264,073,000 | 1,699 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,202 |
| Cost of funding earning assets | 0.3977% | 3,186 |
| Net interest margin | 3.3494% | 4,115 |
| Noninterest income to average assets | 0.3397% | 4,480 |
| Noninterest expense to average assets | 2.5562% | 4,052 |
| Loan and lease loss provision to assets | -0.0945% | 5,845 |
| Net operating income to assets | 0.6851% | 3,885 |
| Return on assets (ROA) | 0.6851% | 3,985 |
| Pretax return on assets | 1.1120% | 2,989 |
| Return on Equity (ROE) | 4.2222% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.2222% | 2,981 |
| Net charge-offs to loans | 0.0245% | 3,760 |
| Credit loss provision to net charge-offs | -523.4375% | 5,452 |
| Earnings coverage of net charge-offs (x) | 56.3438% | 917 |
| Efficiency ratio | 70.9041% | 3,086 |
| Assets per employee ($millions) | 5.0506% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 2,342 |
| Loan loss allowance to noncurrent loans | 124.9917% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 2,439 |
| Noncurrent loans to loans | 1.1334% | 2,070 |
| Net loans and leases to total assets | 73.8340% | 1,758 |
| Net loans and leases to deposits | 91.9085% | 1,414 |
| Net loans and leases to core deposits | 94.5114% | 2,002 |
| Total domestic deposits to total assets | 80.3343% | 4,656 |
| Equity capital to assets | 16.6007% | 452 |
| Core capital (leverage) ratio | 16.5937% | 405 |
| Tier 1 risk-based capital ratio | 33.2002% | 390 |
| Total risk-based capital ratio | 34.4634% | 383 |
| Memoranda: | ||
| Average total assets | $354,396,800 | 1,844 |
| Average earning assets | $342,182,200 | 1,774 |
| Average equity | $57,505,400 | 1,301 |
| Average total loans | $261,473,000 | 1,662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,272 |
| Cost of funding earning assets | 0.4056% | 3,171 |
| Net interest margin | 3.3410% | 4,176 |
| Noninterest income to average assets | 0.3328% | 4,560 |
| Noninterest expense to average assets | 2.4988% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6527% | 4,117 |
| Return on assets (ROA) | 0.6527% | 4,227 |
| Pretax return on assets | 1.0614% | 3,369 |
| Return on Equity (ROE) | 4.0459% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.0459% | 3,580 |
| Net charge-offs to loans | 0.0292% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 49.5251% | 1,063 |
| Efficiency ratio | 69.6061% | 3,267 |
| Assets per employee ($millions) | 4.8963% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,939 |
| Loan loss allowance to noncurrent loans | 147.7617% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 2,842 |
| Noncurrent loans to loans | 1.0546% | 2,376 |
| Net loans and leases to total assets | 73.3489% | 1,850 |
| Net loans and leases to deposits | 91.1076% | 1,513 |
| Net loans and leases to core deposits | 93.6564% | 2,107 |
| Total domestic deposits to total assets | 80.5080% | 4,601 |
| Equity capital to assets | 16.4582% | 498 |
| Core capital (leverage) ratio | 16.2111% | 460 |
| Tier 1 risk-based capital ratio | 33.8490% | 383 |
| Total risk-based capital ratio | 35.1172% | 378 |
| Memoranda: | ||
| Average total assets | $354,611,250 | 1,860 |
| Average earning assets | $342,567,000 | 1,780 |
| Average equity | $57,209,250 | 1,319 |
| Average total loans | $260,645,500 | 1,676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,311 |
| Cost of funding earning assets | 0.4056% | 3,218 |
| Net interest margin | 3.3264% | 4,186 |
| Noninterest income to average assets | 0.3332% | 4,572 |
| Noninterest expense to average assets | 2.4824% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6957% | 3,909 |
| Return on assets (ROA) | 0.6957% | 4,026 |
| Pretax return on assets | 1.0684% | 3,309 |
| Return on Equity (ROE) | 4.3415% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.3415% | 3,256 |
| Net charge-offs to loans | 0.0562% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,499 |
| Efficiency ratio | 69.3405% | 3,438 |
| Assets per employee ($millions) | 4.8282% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 2,021 |
| Loan loss allowance to noncurrent loans | 161.3376% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 3,111 |
| Noncurrent loans to loans | 0.9723% | 2,705 |
| Net loans and leases to total assets | 71.6006% | 2,055 |
| Net loans and leases to deposits | 88.4732% | 1,773 |
| Net loans and leases to core deposits | 91.0940% | 2,233 |
| Total domestic deposits to total assets | 80.9292% | 4,631 |
| Equity capital to assets | 16.0948% | 520 |
| Core capital (leverage) ratio | 15.9744% | 469 |
| Tier 1 risk-based capital ratio | 32.4149% | 444 |
| Total risk-based capital ratio | 33.6805% | 438 |
| Memoranda: | ||
| Average total assets | $355,305,000 | 1,871 |
| Average earning assets | $343,671,330 | 1,778 |
| Average equity | $56,939,000 | 1,333 |
| Average total loans | $259,970,670 | 1,687 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 4,153 |
| Cost of funding earning assets | 0.4029% | 3,269 |
| Net interest margin | 3.3614% | 3,984 |
| Noninterest income to average assets | 0.3342% | 4,514 |
| Noninterest expense to average assets | 2.4148% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7666% | 3,445 |
| Return on assets (ROA) | 0.7666% | 3,581 |
| Pretax return on assets | 1.1685% | 2,791 |
| Return on Equity (ROE) | 4.7938% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.7938% | 3,177 |
| Net charge-offs to loans | -0.0031% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8242% | 4,009 |
| Assets per employee ($millions) | 4.8123% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 2,047 |
| Loan loss allowance to noncurrent loans | 174.1611% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 3,315 |
| Noncurrent loans to loans | 0.9193% | 2,942 |
| Net loans and leases to total assets | 71.6567% | 1,868 |
| Net loans and leases to deposits | 88.4515% | 1,567 |
| Net loans and leases to core deposits | 90.9680% | 2,038 |
| Total domestic deposits to total assets | 81.0125% | 4,818 |
| Equity capital to assets | 16.0106% | 542 |
| Core capital (leverage) ratio | 16.0362% | 456 |
| Tier 1 risk-based capital ratio | 32.0598% | 456 |
| Total risk-based capital ratio | 33.3271% | 451 |
| Memoranda: | ||
| Average total assets | $354,313,000 | 1,878 |
| Average earning assets | $342,475,000 | 1,788 |
| Average equity | $56,656,000 | 1,343 |
| Average total loans | $260,007,000 | 1,684 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 4,457 |
| Cost of funding earning assets | 0.4370% | 3,310 |
| Net interest margin | 3.3750% | 4,300 |
| Noninterest income to average assets | 0.3543% | 4,568 |
| Noninterest expense to average assets | 2.5328% | 4,446 |
| Loan and lease loss provision to assets | 0.2489% | 919 |
| Net operating income to assets | 0.5324% | 4,672 |
| Return on assets (ROA) | 0.5324% | 4,760 |
| Pretax return on assets | 0.8392% | 4,113 |
| Return on Equity (ROE) | 3.2735% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.2735% | 3,899 |
| Net charge-offs to loans | 0.1557% | 2,476 |
| Credit loss provision to net charge-offs | 209.9010% | 1,179 |
| Earnings coverage of net charge-offs (x) | 9.1757% | 2,784 |
| Efficiency ratio | 69.2283% | 3,669 |
| Assets per employee ($millions) | 4.8960% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 2,119 |
| Loan loss allowance to noncurrent loans | 104.2976% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 2,453 |
| Noncurrent loans to loans | 1.5264% | 1,922 |
| Net loans and leases to total assets | 72.7726% | 1,796 |
| Net loans and leases to deposits | 89.8546% | 1,532 |
| Net loans and leases to core deposits | 92.4313% | 2,045 |
| Total domestic deposits to total assets | 80.9894% | 4,754 |
| Equity capital to assets | 15.9699% | 541 |
| Core capital (leverage) ratio | 15.9026% | 479 |
| Tier 1 risk-based capital ratio | 34.0065% | 370 |
| Total risk-based capital ratio | 35.2758% | 365 |
| Memoranda: | ||
| Average total assets | $340,691,800 | 1,909 |
| Average earning assets | $329,748,400 | 1,822 |
| Average equity | $55,414,200 | 1,316 |
| Average total loans | $259,507,800 | 1,634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,444 |
| Cost of funding earning assets | 0.4435% | 3,329 |
| Net interest margin | 3.3842% | 4,297 |
| Noninterest income to average assets | 0.3553% | 4,599 |
| Noninterest expense to average assets | 2.4820% | 4,588 |
| Loan and lease loss provision to assets | 0.2282% | 983 |
| Net operating income to assets | 0.5862% | 4,503 |
| Return on assets (ROA) | 0.5862% | 4,589 |
| Pretax return on assets | 0.9226% | 3,895 |
| Return on Equity (ROE) | 3.5873% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.5873% | 4,096 |
| Net charge-offs to loans | 0.1559% | 2,250 |
| Credit loss provision to net charge-offs | 190.7591% | 1,319 |
| Earnings coverage of net charge-offs (x) | 9.6205% | 2,646 |
| Efficiency ratio | 67.5940% | 3,926 |
| Assets per employee ($millions) | 4.6272% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 2,558 |
| Loan loss allowance to noncurrent loans | 116.1996% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 2,902 |
| Noncurrent loans to loans | 1.3234% | 2,433 |
| Net loans and leases to total assets | 75.4638% | 1,295 |
| Net loans and leases to deposits | 93.9485% | 1,048 |
| Net loans and leases to core deposits | 96.7921% | 1,609 |
| Total domestic deposits to total assets | 80.3246% | 5,006 |
| Equity capital to assets | 16.5550% | 489 |
| Core capital (leverage) ratio | 16.5004% | 422 |
| Tier 1 risk-based capital ratio | 36.0629% | 324 |
| Total risk-based capital ratio | 37.3319% | 317 |
| Memoranda: | ||
| Average total assets | $337,736,500 | 1,933 |
| Average earning assets | $327,078,750 | 1,845 |
| Average equity | $55,193,750 | 1,328 |
| Average total loans | $259,214,000 | 1,642 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,557 |
| Cost of funding earning assets | 0.4419% | 3,421 |
| Net interest margin | 3.3500% | 4,405 |
| Noninterest income to average assets | 0.3607% | 4,535 |
| Noninterest expense to average assets | 2.5050% | 4,561 |
| Loan and lease loss provision to assets | 0.1895% | 1,284 |
| Net operating income to assets | 0.5792% | 4,460 |
| Return on assets (ROA) | 0.5792% | 4,557 |
| Pretax return on assets | 0.9120% | 3,835 |
| Return on Equity (ROE) | 3.5595% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.5595% | 3,928 |
| Net charge-offs to loans | 0.1103% | 2,565 |
| Credit loss provision to net charge-offs | 223.7762% | 1,065 |
| Earnings coverage of net charge-offs (x) | 13.0070% | 2,011 |
| Efficiency ratio | 68.7521% | 3,871 |
| Assets per employee ($millions) | 4.6933% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 2,879 |
| Loan loss allowance to noncurrent loans | 125.1370% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 3,138 |
| Noncurrent loans to loans | 1.2016% | 2,831 |
| Net loans and leases to total assets | 74.2419% | 1,408 |
| Net loans and leases to deposits | 91.9655% | 1,154 |
| Net loans and leases to core deposits | 94.6861% | 1,719 |
| Total domestic deposits to total assets | 80.7280% | 5,058 |
| Equity capital to assets | 16.1840% | 520 |
| Core capital (leverage) ratio | 16.1108% | 462 |
| Tier 1 risk-based capital ratio | 35.6686% | 324 |
| Total risk-based capital ratio | 36.9374% | 322 |
| Memoranda: | ||
| Average total assets | $337,721,000 | 1,935 |
| Average earning assets | $327,221,000 | 1,840 |
| Average equity | $54,951,670 | 1,319 |
| Average total loans | $259,323,670 | 1,634 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 4,388 |
| Cost of funding earning assets | 0.4373% | 3,571 |
| Net interest margin | 3.3864% | 4,184 |
| Noninterest income to average assets | 0.3508% | 4,573 |
| Noninterest expense to average assets | 2.3861% | 4,966 |
| Loan and lease loss provision to assets | 0.3006% | 642 |
| Net operating income to assets | 0.5918% | 4,232 |
| Return on assets (ROA) | 0.5918% | 4,311 |
| Pretax return on assets | 0.9437% | 3,544 |
| Return on Equity (ROE) | 3.6268% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.6268% | 3,956 |
| Net charge-offs to loans | 0.2047% | 1,520 |
| Credit loss provision to net charge-offs | 189.4737% | 1,087 |
| Earnings coverage of net charge-offs (x) | 7.8421% | 2,084 |
| Efficiency ratio | 65.0674% | 4,678 |
| Assets per employee ($millions) | 4.6423% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 3,254 |
| Loan loss allowance to noncurrent loans | 141.3525% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 3,556 |
| Noncurrent loans to loans | 1.0451% | 3,335 |
| Net loans and leases to total assets | 75.2752% | 1,092 |
| Net loans and leases to deposits | 93.3137% | 852 |
| Net loans and leases to core deposits | 96.0995% | 1,376 |
| Total domestic deposits to total assets | 80.6689% | 5,329 |
| Equity capital to assets | 16.2159% | 497 |
| Core capital (leverage) ratio | 16.1590% | 462 |
| Tier 1 risk-based capital ratio | 34.8489% | 357 |
| Total risk-based capital ratio | 36.1149% | 351 |
| Memoranda: | ||
| Average total assets | $335,276,000 | 1,954 |
| Average earning assets | $324,706,500 | 1,855 |
| Average equity | $54,703,500 | 1,325 |
| Average total loans | $259,863,500 | 1,635 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,828 |
| Cost of funding earning assets | 0.4617% | 4,005 |
| Net interest margin | 3.6143% | 3,399 |
| Noninterest income to average assets | 0.3993% | 4,447 |
| Noninterest expense to average assets | 2.5965% | 4,479 |
| Loan and lease loss provision to assets | 0.3235% | 1,013 |
| Net operating income to assets | 0.6001% | 4,259 |
| Return on assets (ROA) | 0.6001% | 4,377 |
| Pretax return on assets | 0.9755% | 3,450 |
| Return on Equity (ROE) | 3.6962% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.6962% | 3,586 |
| Net charge-offs to loans | 0.2055% | 2,826 |
| Credit loss provision to net charge-offs | 201.3208% | 1,136 |
| Earnings coverage of net charge-offs (x) | 8.0830% | 2,734 |
| Efficiency ratio | 66.2256% | 4,515 |
| Assets per employee ($millions) | 4.4819% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 3,548 |
| Loan loss allowance to noncurrent loans | 134.2267% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 3,795 |
| Noncurrent loans to loans | 1.0587% | 3,394 |
| Net loans and leases to total assets | 77.5175% | 883 |
| Net loans and leases to deposits | 96.5046% | 700 |
| Net loans and leases to core deposits | 99.1722% | 1,219 |
| Total domestic deposits to total assets | 80.3252% | 5,369 |
| Equity capital to assets | 16.4182% | 459 |
| Core capital (leverage) ratio | 16.3562% | 430 |
| Tier 1 risk-based capital ratio | 33.6928% | 375 |
| Total risk-based capital ratio | 34.9558% | 366 |
| Memoranda: | ||
| Average total assets | $329,787,400 | 1,955 |
| Average earning assets | $319,009,400 | 1,865 |
| Average equity | $53,541,400 | 1,326 |
| Average total loans | $257,931,600 | 1,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 3,727 |
| Cost of funding earning assets | 0.4624% | 4,143 |
| Net interest margin | 3.6457% | 3,251 |
| Noninterest income to average assets | 0.4024% | 4,520 |
| Noninterest expense to average assets | 2.5571% | 4,523 |
| Loan and lease loss provision to assets | 0.3219% | 1,040 |
| Net operating income to assets | 0.6486% | 4,129 |
| Return on assets (ROA) | 0.6486% | 4,253 |
| Pretax return on assets | 1.0506% | 3,297 |
| Return on Equity (ROE) | 4.0064% | 5,223 |
| Retained earnings to average equity (ytd only) | 4.0064% | 3,846 |
| Net charge-offs to loans | 0.1954% | 2,671 |
| Credit loss provision to net charge-offs | 210.8753% | 1,146 |
| Earnings coverage of net charge-offs (x) | 8.9921% | 2,545 |
| Efficiency ratio | 64.6816% | 4,698 |
| Assets per employee ($millions) | 4.5481% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,978 |
| Loan loss allowance to noncurrent loans | 134.5461% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 3,964 |
| Noncurrent loans to loans | 1.0271% | 3,745 |
| Net loans and leases to total assets | 77.1032% | 860 |
| Net loans and leases to deposits | 95.8409% | 701 |
| Net loans and leases to core deposits | 98.4880% | 1,203 |
| Total domestic deposits to total assets | 80.4491% | 5,374 |
| Equity capital to assets | 16.2904% | 499 |
| Core capital (leverage) ratio | 16.2612% | 461 |
| Tier 1 risk-based capital ratio | 34.9535% | 338 |
| Total risk-based capital ratio | 36.2203% | 329 |
| Memoranda: | ||
| Average total assets | $329,318,750 | 1,967 |
| Average earning assets | $318,613,000 | 1,881 |
| Average equity | $53,313,500 | 1,344 |
| Average total loans | $257,214,000 | 1,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 3,720 |
| Cost of funding earning assets | 0.4772% | 4,127 |
| Net interest margin | 3.6271% | 3,254 |
| Noninterest income to average assets | 0.3879% | 4,612 |
| Noninterest expense to average assets | 2.6052% | 4,362 |
| Loan and lease loss provision to assets | 0.2497% | 1,492 |
| Net operating income to assets | 0.6461% | 4,076 |
| Return on assets (ROA) | 0.6461% | 4,233 |
| Pretax return on assets | 1.0413% | 3,325 |
| Return on Equity (ROE) | 3.9995% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.9995% | 3,749 |
| Net charge-offs to loans | 0.1778% | 2,691 |
| Credit loss provision to net charge-offs | 179.8246% | 1,327 |
| Earnings coverage of net charge-offs (x) | 9.2982% | 2,303 |
| Efficiency ratio | 66.4895% | 4,453 |
| Assets per employee ($millions) | 4.5311% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,472 |
| Loan loss allowance to noncurrent loans | 161.5718% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 4,444 |
| Noncurrent loans to loans | 0.8092% | 4,292 |
| Net loans and leases to total assets | 77.5329% | 800 |
| Net loans and leases to deposits | 93.0512% | 878 |
| Net loans and leases to core deposits | 95.5667% | 1,393 |
| Total domestic deposits to total assets | 83.3228% | 4,581 |
| Equity capital to assets | 16.4142% | 476 |
| Core capital (leverage) ratio | 16.3768% | 427 |
| Tier 1 risk-based capital ratio | 34.8802% | 342 |
| Total risk-based capital ratio | 36.1453% | 336 |
| Memoranda: | ||
| Average total assets | $328,421,330 | 1,980 |
| Average earning assets | $317,666,670 | 1,884 |
| Average equity | $53,056,000 | 1,355 |
| Average total loans | $256,426,000 | 1,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,664 |
| Cost of funding earning assets | 0.4973% | 4,119 |
| Net interest margin | 3.6170% | 3,198 |
| Noninterest income to average assets | 0.3751% | 4,664 |
| Noninterest expense to average assets | 2.4096% | 5,093 |
| Loan and lease loss provision to assets | 0.3059% | 1,119 |
| Net operating income to assets | 0.7199% | 3,591 |
| Return on assets (ROA) | 0.7199% | 3,724 |
| Pretax return on assets | 1.1557% | 2,741 |
| Return on Equity (ROE) | 4.4917% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.4917% | 3,538 |
| Net charge-offs to loans | 0.2714% | 1,871 |
| Credit loss provision to net charge-offs | 144.8276% | 1,399 |
| Earnings coverage of net charge-offs (x) | 6.9195% | 2,147 |
| Efficiency ratio | 61.8689% | 5,320 |
| Assets per employee ($millions) | 4.5856% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,849 |
| Loan loss allowance to noncurrent loans | 211.1183% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 4,896 |
| Noncurrent loans to loans | 0.6014% | 4,938 |
| Net loans and leases to total assets | 76.4709% | 783 |
| Net loans and leases to deposits | 91.4322% | 853 |
| Net loans and leases to core deposits | 93.8563% | 1,355 |
| Total domestic deposits to total assets | 83.6367% | 4,617 |
| Equity capital to assets | 16.0832% | 550 |
| Core capital (leverage) ratio | 16.0527% | 445 |
| Tier 1 risk-based capital ratio | 33.3848% | 398 |
| Total risk-based capital ratio | 34.6526% | 392 |
| Memoranda: | ||
| Average total assets | $329,511,500 | 1,997 |
| Average earning assets | $318,496,000 | 1,907 |
| Average equity | $52,809,000 | 1,374 |
| Average total loans | $256,491,500 | 1,629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 3,914 |
| Cost of funding earning assets | 0.6403% | 4,001 |
| Net interest margin | 3.7371% | 3,492 |
| Noninterest income to average assets | 0.4229% | 4,432 |
| Noninterest expense to average assets | 2.4986% | 5,099 |
| Loan and lease loss provision to assets | 0.4964% | 1,206 |
| Net operating income to assets | 0.6318% | 4,081 |
| Return on assets (ROA) | 0.6318% | 4,349 |
| Pretax return on assets | 1.0201% | 3,470 |
| Return on Equity (ROE) | 3.9750% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.9750% | 3,403 |
| Net charge-offs to loans | 0.5618% | 2,049 |
| Credit loss provision to net charge-offs | 113.0190% | 2,574 |
| Earnings coverage of net charge-offs (x) | 3.4525% | 3,720 |
| Efficiency ratio | 61.5598% | 5,303 |
| Assets per employee ($millions) | 4.3271% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 4,972 |
| Loan loss allowance to noncurrent loans | 141.9167% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 4,606 |
| Noncurrent loans to loans | 0.8680% | 4,447 |
| Net loans and leases to total assets | 77.2634% | 764 |
| Net loans and leases to deposits | 92.1259% | 901 |
| Net loans and leases to core deposits | 94.5634% | 1,423 |
| Total domestic deposits to total assets | 83.8672% | 4,378 |
| Equity capital to assets | 15.9695% | 558 |
| Core capital (leverage) ratio | 15.9337% | 465 |
| Tier 1 risk-based capital ratio | 32.5172% | 415 |
| Total risk-based capital ratio | 33.7812% | 409 |
| Memoranda: | ||
| Average total assets | $323,506,600 | 1,990 |
| Average earning assets | $310,960,200 | 1,903 |
| Average equity | $51,422,000 | 1,383 |
| Average total loans | $252,954,200 | 1,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,969 |
| Cost of funding earning assets | 0.6701% | 4,018 |
| Net interest margin | 3.7491% | 3,561 |
| Noninterest income to average assets | 0.4217% | 4,467 |
| Noninterest expense to average assets | 2.4641% | 5,200 |
| Loan and lease loss provision to assets | 0.6427% | 821 |
| Net operating income to assets | 0.5604% | 4,569 |
| Return on assets (ROA) | 0.5604% | 4,831 |
| Pretax return on assets | 0.9130% | 4,057 |
| Return on Equity (ROE) | 3.5295% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.5295% | 4,392 |
| Net charge-offs to loans | 0.7374% | 1,499 |
| Credit loss provision to net charge-offs | 111.4860% | 2,628 |
| Earnings coverage of net charge-offs (x) | 2.6985% | 3,955 |
| Efficiency ratio | 60.5271% | 5,404 |
| Assets per employee ($millions) | 4.3050% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,154 |
| Loan loss allowance to noncurrent loans | 147.8833% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 4,894 |
| Noncurrent loans to loans | 0.8306% | 4,759 |
| Net loans and leases to total assets | 77.2702% | 822 |
| Net loans and leases to deposits | 92.1152% | 963 |
| Net loans and leases to core deposits | 94.5675% | 1,525 |
| Total domestic deposits to total assets | 83.8843% | 4,277 |
| Equity capital to assets | 15.8449% | 636 |
| Core capital (leverage) ratio | 15.8022% | 503 |
| Tier 1 risk-based capital ratio | 32.7040% | 417 |
| Total risk-based capital ratio | 33.9692% | 412 |
| Memoranda: | ||
| Average total assets | $322,168,750 | 2,019 |
| Average earning assets | $309,190,500 | 1,933 |
| Average equity | $51,148,250 | 1,393 |
| Average total loans | $251,878,750 | 1,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 3,768 |
| Cost of funding earning assets | 0.7012% | 4,005 |
| Net interest margin | 3.7977% | 3,374 |
| Noninterest income to average assets | 0.4368% | 4,382 |
| Noninterest expense to average assets | 2.5385% | 5,005 |
| Loan and lease loss provision to assets | 0.7351% | 712 |
| Net operating income to assets | 0.5217% | 4,712 |
| Return on assets (ROA) | 0.5217% | 4,986 |
| Pretax return on assets | 0.8000% | 4,473 |
| Return on Equity (ROE) | 3.2838% | 5,568 |
| Retained earnings to average equity (ytd only) | 3.2838% | 4,423 |
| Net charge-offs to loans | 0.8949% | 1,230 |
| Credit loss provision to net charge-offs | 105.0847% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.1945% | 3,885 |
| Efficiency ratio | 61.4890% | 5,335 |
| Assets per employee ($millions) | 4.2639% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,362 |
| Loan loss allowance to noncurrent loans | 125.9735% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 4,777 |
| Noncurrent loans to loans | 0.9508% | 4,605 |
| Net loans and leases to total assets | 77.4064% | 793 |
| Net loans and leases to deposits | 92.2447% | 924 |
| Net loans and leases to core deposits | 94.6209% | 1,543 |
| Total domestic deposits to total assets | 83.9142% | 4,349 |
| Equity capital to assets | 15.8376% | 611 |
| Core capital (leverage) ratio | 15.7935% | 490 |
| Tier 1 risk-based capital ratio | 31.8013% | 449 |
| Total risk-based capital ratio | 33.0646% | 443 |
| Memoranda: | ||
| Average total assets | $320,499,000 | 2,023 |
| Average earning assets | $306,920,670 | 1,940 |
| Average equity | $50,917,330 | 1,393 |
| Average total loans | $250,520,000 | 1,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 3,424 |
| Cost of funding earning assets | 0.7429% | 3,916 |
| Net interest margin | 3.8747% | 3,032 |
| Noninterest income to average assets | 0.4004% | 4,667 |
| Noninterest expense to average assets | 2.4661% | 5,266 |
| Loan and lease loss provision to assets | 0.7254% | 709 |
| Net operating income to assets | 0.5761% | 4,465 |
| Return on assets (ROA) | 0.5761% | 4,690 |
| Pretax return on assets | 0.9137% | 3,988 |
| Return on Equity (ROE) | 3.6203% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.6203% | 4,407 |
| Net charge-offs to loans | 1.7682% | 538 |
| Credit loss provision to net charge-offs | 52.5455% | 3,242 |
| Earnings coverage of net charge-offs (x) | 1.1873% | 3,742 |
| Efficiency ratio | 59.3397% | 5,715 |
| Assets per employee ($millions) | 4.1106% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,286 |
| Loan loss allowance to noncurrent loans | 164.1333% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 5,297 |
| Noncurrent loans to loans | 0.6038% | 5,454 |
| Net loans and leases to total assets | 75.7379% | 830 |
| Net loans and leases to deposits | 90.0985% | 957 |
| Net loans and leases to core deposits | 92.3971% | 1,608 |
| Total domestic deposits to total assets | 84.0613% | 4,457 |
| Equity capital to assets | 15.6872% | 620 |
| Core capital (leverage) ratio | 15.6336% | 510 |
| Tier 1 risk-based capital ratio | 31.3031% | 472 |
| Total risk-based capital ratio | 32.5609% | 463 |
| Memoranda: | ||
| Average total assets | $318,720,000 | 2,039 |
| Average earning assets | $304,746,500 | 1,955 |
| Average equity | $50,714,500 | 1,394 |
| Average total loans | $248,839,000 | 1,670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 3,153 |
| Cost of funding earning assets | 0.9125% | 4,031 |
| Net interest margin | 4.0278% | 2,743 |
| Noninterest income to average assets | 0.3940% | 4,663 |
| Noninterest expense to average assets | 2.5941% | 5,123 |
| Loan and lease loss provision to assets | 0.3421% | 2,961 |
| Net operating income to assets | 0.8076% | 3,003 |
| Return on assets (ROA) | 0.8076% | 3,169 |
| Pretax return on assets | 1.3207% | 2,052 |
| Return on Equity (ROE) | 5.0241% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.0241% | 2,623 |
| Net charge-offs to loans | 0.3864% | 3,479 |
| Credit loss provision to net charge-offs | 107.0480% | 3,163 |
| Earnings coverage of net charge-offs (x) | 5.2033% | 2,870 |
| Efficiency ratio | 60.7469% | 5,642 |
| Assets per employee ($millions) | 3.9583% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,200 |
| Loan loss allowance to noncurrent loans | 106.1441% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 5,094 |
| Noncurrent loans to loans | 0.9468% | 4,809 |
| Net loans and leases to total assets | 78.9126% | 620 |
| Net loans and leases to deposits | 94.6035% | 771 |
| Net loans and leases to core deposits | 97.0976% | 1,402 |
| Total domestic deposits to total assets | 83.4140% | 4,588 |
| Equity capital to assets | 16.1454% | 561 |
| Core capital (leverage) ratio | 16.1268% | 447 |
| Tier 1 risk-based capital ratio | 30.9992% | 469 |
| Total risk-based capital ratio | 32.2639% | 460 |
| Memoranda: | ||
| Average total assets | $306,349,000 | 2,086 |
| Average earning assets | $293,807,200 | 1,991 |
| Average equity | $49,242,400 | 1,383 |
| Average total loans | $253,367,600 | 1,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 3,031 |
| Cost of funding earning assets | 0.9397% | 4,117 |
| Net interest margin | 4.0710% | 2,593 |
| Noninterest income to average assets | 0.3819% | 4,793 |
| Noninterest expense to average assets | 2.5414% | 5,311 |
| Loan and lease loss provision to assets | 0.4279% | 2,332 |
| Net operating income to assets | 0.8028% | 3,143 |
| Return on assets (ROA) | 0.8028% | 3,311 |
| Pretax return on assets | 1.3190% | 2,223 |
| Return on Equity (ROE) | 5.0001% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.0001% | 3,172 |
| Net charge-offs to loans | 0.4801% | 2,815 |
| Credit loss provision to net charge-offs | 106.7686% | 3,096 |
| Earnings coverage of net charge-offs (x) | 4.3592% | 3,094 |
| Efficiency ratio | 59.1308% | 5,847 |
| Assets per employee ($millions) | 3.9199% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 6,317 |
| Loan loss allowance to noncurrent loans | 148.4848% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 5,437 |
| Noncurrent loans to loans | 0.6674% | 5,550 |
| Net loans and leases to total assets | 80.6287% | 453 |
| Net loans and leases to deposits | 96.5466% | 670 |
| Net loans and leases to core deposits | 99.1120% | 1,324 |
| Total domestic deposits to total assets | 83.5127% | 4,471 |
| Equity capital to assets | 16.0898% | 613 |
| Core capital (leverage) ratio | 16.0773% | 495 |
| Tier 1 risk-based capital ratio | 30.9895% | 493 |
| Total risk-based capital ratio | 32.2538% | 482 |
| Memoranda: | ||
| Average total assets | $304,760,500 | 2,110 |
| Average earning assets | $292,434,000 | 2,009 |
| Average equity | $48,931,250 | 1,399 |
| Average total loans | $254,392,750 | 1,660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 2,936 |
| Cost of funding earning assets | 0.9681% | 4,186 |
| Net interest margin | 4.0807% | 2,485 |
| Noninterest income to average assets | 0.3734% | 4,888 |
| Noninterest expense to average assets | 2.5521% | 5,346 |
| Loan and lease loss provision to assets | 0.3424% | 2,731 |
| Net operating income to assets | 0.8511% | 2,852 |
| Return on assets (ROA) | 0.8511% | 2,946 |
| Pretax return on assets | 1.3922% | 1,814 |
| Return on Equity (ROE) | 5.3050% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.3050% | 2,808 |
| Net charge-offs to loans | 0.2618% | 3,582 |
| Credit loss provision to net charge-offs | 155.3892% | 1,956 |
| Earnings coverage of net charge-offs (x) | 7.8713% | 2,149 |
| Efficiency ratio | 59.4120% | 5,962 |
| Assets per employee ($millions) | 4.0925% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 6,211 |
| Loan loss allowance to noncurrent loans | 185.7548% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 5,774 |
| Noncurrent loans to loans | 0.5554% | 5,809 |
| Net loans and leases to total assets | 81.9164% | 377 |
| Net loans and leases to deposits | 98.0838% | 590 |
| Net loans and leases to core deposits | 100.4972% | 1,300 |
| Total domestic deposits to total assets | 83.5168% | 4,544 |
| Equity capital to assets | 16.0532% | 605 |
| Core capital (leverage) ratio | 16.0425% | 501 |
| Tier 1 risk-based capital ratio | 31.5086% | 472 |
| Total risk-based capital ratio | 32.7751% | 463 |
| Memoranda: | ||
| Average total assets | $303,124,330 | 2,127 |
| Average earning assets | $290,687,330 | 2,033 |
| Average equity | $48,633,330 | 1,391 |
| Average total loans | $255,130,000 | 1,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 2,728 |
| Cost of funding earning assets | 0.9933% | 4,247 |
| Net interest margin | 4.0895% | 2,307 |
| Noninterest income to average assets | 0.3732% | 4,926 |
| Noninterest expense to average assets | 2.5988% | 5,226 |
| Loan and lease loss provision to assets | 0.4236% | 2,073 |
| Net operating income to assets | 0.7782% | 3,129 |
| Return on assets (ROA) | 0.7782% | 3,201 |
| Pretax return on assets | 1.2762% | 2,114 |
| Return on Equity (ROE) | 4.8516% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.8516% | 3,280 |
| Net charge-offs to loans | 0.3567% | 2,638 |
| Credit loss provision to net charge-offs | 139.9123% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.6140% | 2,244 |
| Efficiency ratio | 60.3336% | 5,939 |
| Assets per employee ($millions) | 3.9625% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,438 |
| Loan loss allowance to noncurrent loans | 168.8043% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 5,718 |
| Noncurrent loans to loans | 0.5858% | 5,857 |
| Net loans and leases to total assets | 82.9216% | 282 |
| Net loans and leases to deposits | 99.4681% | 500 |
| Net loans and leases to core deposits | 101.8990% | 1,206 |
| Total domestic deposits to total assets | 83.3650% | 4,762 |
| Equity capital to assets | 15.9287% | 587 |
| Core capital (leverage) ratio | 15.9190% | 517 |
| Tier 1 risk-based capital ratio | 31.9741% | 436 |
| Total risk-based capital ratio | 33.2363% | 429 |
| Memoranda: | ||
| Average total assets | $301,218,500 | 2,156 |
| Average earning assets | $289,133,000 | 2,060 |
| Average equity | $48,313,500 | 1,384 |
| Average total loans | $255,669,000 | 1,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 2,635 |
| Cost of funding earning assets | 1.1480% | 4,861 |
| Net interest margin | 4.2596% | 1,957 |
| Noninterest income to average assets | 0.3628% | 5,208 |
| Noninterest expense to average assets | 2.6535% | 5,200 |
| Loan and lease loss provision to assets | 0.2994% | 4,408 |
| Net operating income to assets | 0.9099% | 2,342 |
| Return on assets (ROA) | 0.9143% | 2,463 |
| Pretax return on assets | 1.4983% | 1,380 |
| Return on Equity (ROE) | 5.6839% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.6839% | 1,995 |
| Net charge-offs to loans | 0.1403% | 5,517 |
| Credit loss provision to net charge-offs | 244.1011% | 1,180 |
| Earnings coverage of net charge-offs (x) | 14.6011% | 1,329 |
| Efficiency ratio | 59.5426% | 6,115 |
| Assets per employee ($millions) | 3.9643% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 6,571 |
| Loan loss allowance to noncurrent loans | 128.5639% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 5,508 |
| Noncurrent loans to loans | 0.7404% | 5,565 |
| Net loans and leases to total assets | 85.2173% | 227 |
| Net loans and leases to deposits | 101.9971% | 486 |
| Net loans and leases to core deposits | 104.5066% | 1,281 |
| Total domestic deposits to total assets | 83.5488% | 4,579 |
| Equity capital to assets | 16.1529% | 560 |
| Core capital (leverage) ratio | 16.1416% | 490 |
| Tier 1 risk-based capital ratio | 32.0426% | 425 |
| Total risk-based capital ratio | 33.3108% | 419 |
| Memoranda: | ||
| Average total assets | $290,261,800 | 2,213 |
| Average earning assets | $278,126,600 | 2,130 |
| Average equity | $46,693,600 | 1,435 |
| Average total loans | $253,731,000 | 1,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 2,562 |
| Cost of funding earning assets | 1.1805% | 4,975 |
| Net interest margin | 4.2891% | 1,880 |
| Noninterest income to average assets | 0.3572% | 5,310 |
| Noninterest expense to average assets | 2.6523% | 5,104 |
| Loan and lease loss provision to assets | 0.3263% | 3,976 |
| Net operating income to assets | 0.9133% | 2,558 |
| Return on assets (ROA) | 0.9192% | 2,678 |
| Pretax return on assets | 1.4969% | 1,632 |
| Return on Equity (ROE) | 5.7202% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.7202% | 2,529 |
| Net charge-offs to loans | 0.1706% | 4,944 |
| Credit loss provision to net charge-offs | 217.9012% | 1,588 |
| Earnings coverage of net charge-offs (x) | 12.1142% | 1,723 |
| Efficiency ratio | 59.2094% | 6,080 |
| Assets per employee ($millions) | 3.9659% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,752 |
| Loan loss allowance to noncurrent loans | 118.8144% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 5,682 |
| Noncurrent loans to loans | 0.7562% | 5,691 |
| Net loans and leases to total assets | 86.6344% | 157 |
| Net loans and leases to deposits | 103.5620% | 456 |
| Net loans and leases to core deposits | 106.2584% | 1,304 |
| Total domestic deposits to total assets | 83.6547% | 4,292 |
| Equity capital to assets | 16.1504% | 648 |
| Core capital (leverage) ratio | 16.1336% | 538 |
| Tier 1 risk-based capital ratio | 32.2583% | 428 |
| Total risk-based capital ratio | 33.5287% | 418 |
| Memoranda: | ||
| Average total assets | $288,497,000 | 2,257 |
| Average earning assets | $276,384,500 | 2,174 |
| Average equity | $46,360,500 | 1,457 |
| Average total loans | $253,212,750 | 1,763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 2,565 |
| Cost of funding earning assets | 1.2321% | 4,948 |
| Net interest margin | 4.2576% | 1,930 |
| Noninterest income to average assets | 0.3521% | 5,328 |
| Noninterest expense to average assets | 2.6656% | 5,055 |
| Loan and lease loss provision to assets | 0.3933% | 3,356 |
| Net operating income to assets | 0.8438% | 2,753 |
| Return on assets (ROA) | 0.8528% | 2,872 |
| Pretax return on assets | 1.3841% | 1,875 |
| Return on Equity (ROE) | 5.3157% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,716 |
| Net charge-offs to loans | 0.2451% | 4,129 |
| Credit loss provision to net charge-offs | 182.5243% | 2,154 |
| Earnings coverage of net charge-offs (x) | 8.1845% | 2,178 |
| Efficiency ratio | 59.9969% | 6,046 |
| Assets per employee ($millions) | 3.7188% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 6,887 |
| Loan loss allowance to noncurrent loans | 125.5184% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,681 |
| Noncurrent loans to loans | 0.6817% | 5,887 |
| Net loans and leases to total assets | 85.9385% | 229 |
| Net loans and leases to deposits | 102.3853% | 573 |
| Net loans and leases to core deposits | 105.0233% | 1,533 |
| Total domestic deposits to total assets | 83.9363% | 4,135 |
| Equity capital to assets | 15.8785% | 690 |
| Core capital (leverage) ratio | 15.8591% | 583 |
| Tier 1 risk-based capital ratio | 31.3309% | 443 |
| Total risk-based capital ratio | 32.5971% | 435 |
| Memoranda: | ||
| Average total assets | $286,836,670 | 2,285 |
| Average earning assets | $274,661,670 | 2,199 |
| Average equity | $46,014,670 | 1,465 |
| Average total loans | $252,097,670 | 1,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 2,290 |
| Cost of funding earning assets | 1.2829% | 4,913 |
| Net interest margin | 4.2853% | 1,732 |
| Noninterest income to average assets | 0.3416% | 5,408 |
| Noninterest expense to average assets | 2.7371% | 4,736 |
| Loan and lease loss provision to assets | 0.4207% | 2,852 |
| Net operating income to assets | 0.8046% | 2,940 |
| Return on assets (ROA) | 0.8046% | 3,037 |
| Pretax return on assets | 1.2860% | 2,088 |
| Return on Equity (ROE) | 4.9893% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.9893% | 3,160 |
| Net charge-offs to loans | 0.0526% | 4,880 |
| Credit loss provision to net charge-offs | 903.0303% | 508 |
| Earnings coverage of net charge-offs (x) | 36.6364% | 749 |
| Efficiency ratio | 61.3723% | 5,932 |
| Assets per employee ($millions) | 3.6093% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,919 |
| Loan loss allowance to noncurrent loans | 100.4128% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0097% | 5,132 |
| Noncurrent loans to loans | 0.8689% | 5,578 |
| Net loans and leases to total assets | 87.2206% | 157 |
| Net loans and leases to deposits | 104.2405% | 515 |
| Net loans and leases to core deposits | 106.7547% | 1,510 |
| Total domestic deposits to total assets | 83.6725% | 4,316 |
| Equity capital to assets | 16.1255% | 651 |
| Core capital (leverage) ratio | 16.0955% | 568 |
| Tier 1 risk-based capital ratio | 31.4317% | 458 |
| Total risk-based capital ratio | 32.7029% | 449 |
| Memoranda: | ||
| Average total assets | $283,361,500 | 2,361 |
| Average earning assets | $271,255,000 | 2,277 |
| Average equity | $45,697,500 | 1,473 |
| Average total loans | $250,819,000 | 1,863 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 2,898 |
| Cost of funding earning assets | 1.5557% | 5,255 |
| Net interest margin | 4.1864% | 2,119 |
| Noninterest income to average assets | 0.3703% | 5,440 |
| Noninterest expense to average assets | 2.7245% | 5,277 |
| Loan and lease loss provision to assets | 0.1430% | 6,211 |
| Net operating income to assets | 0.9105% | 2,143 |
| Return on assets (ROA) | 0.9105% | 2,204 |
| Pretax return on assets | 1.4927% | 1,202 |
| Return on Equity (ROE) | 5.7548% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.7548% | 1,444 |
| Net charge-offs to loans | 0.1660% | 5,626 |
| Credit loss provision to net charge-offs | 97.7941% | 5,696 |
| Earnings coverage of net charge-offs (x) | 11.1838% | 1,618 |
| Efficiency ratio | 62.2873% | 6,105 |
| Assets per employee ($millions) | 3.7051% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 7,212 |
| Loan loss allowance to noncurrent loans | 117.9644% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 5,672 |
| Noncurrent loans to loans | 0.6504% | 5,933 |
| Net loans and leases to total assets | 88.3662% | 157 |
| Net loans and leases to deposits | 106.0965% | 545 |
| Net loans and leases to core deposits | 118.9030% | 2,045 |
| Total domestic deposits to total assets | 83.2885% | 4,388 |
| Equity capital to assets | 16.1283% | 682 |
| Core capital (leverage) ratio | 16.0976% | 607 |
| Tier 1 risk-based capital ratio | 31.5055% | 458 |
| Total risk-based capital ratio | 32.7564% | 451 |
| Memoranda: | ||
| Average total assets | $278,953,800 | 2,357 |
| Average earning assets | $265,863,400 | 2,277 |
| Average equity | $44,137,000 | 1,512 |
| Average total loans | $245,734,400 | 1,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7686% | 3,025 |
| Cost of funding earning assets | 1.6085% | 5,362 |
| Net interest margin | 4.1601% | 2,175 |
| Noninterest income to average assets | 0.3785% | 5,485 |
| Noninterest expense to average assets | 2.6824% | 5,400 |
| Loan and lease loss provision to assets | 0.1294% | 6,057 |
| Net operating income to assets | 0.9323% | 2,298 |
| Return on assets (ROA) | 0.9323% | 2,363 |
| Pretax return on assets | 1.5269% | 1,337 |
| Return on Equity (ROE) | 5.9214% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.9214% | 1,992 |
| Net charge-offs to loans | 0.1652% | 5,067 |
| Credit loss provision to net charge-offs | 89.1089% | 5,507 |
| Earnings coverage of net charge-offs (x) | 11.4092% | 1,856 |
| Efficiency ratio | 61.6277% | 6,175 |
| Assets per employee ($millions) | 3.6353% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 7,223 |
| Loan loss allowance to noncurrent loans | 93.7346% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 5,621 |
| Noncurrent loans to loans | 0.8140% | 5,671 |
| Net loans and leases to total assets | 88.2831% | 190 |
| Net loans and leases to deposits | 106.3947% | 632 |
| Net loans and leases to core deposits | 118.4175% | 2,382 |
| Total domestic deposits to total assets | 82.9769% | 4,232 |
| Equity capital to assets | 16.0321% | 788 |
| Core capital (leverage) ratio | 15.9914% | 678 |
| Tier 1 risk-based capital ratio | 31.4875% | 492 |
| Total risk-based capital ratio | 32.7221% | 480 |
| Memoranda: | ||
| Average total assets | $278,296,000 | 2,377 |
| Average earning assets | $264,923,500 | 2,298 |
| Average equity | $43,817,500 | 1,548 |
| Average total loans | $244,480,500 | 1,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8048% | 3,019 |
| Cost of funding earning assets | 1.6662% | 5,442 |
| Net interest margin | 4.1386% | 2,200 |
| Noninterest income to average assets | 0.3780% | 5,481 |
| Noninterest expense to average assets | 2.7398% | 5,220 |
| Loan and lease loss provision to assets | 0.1296% | 5,805 |
| Net operating income to assets | 0.8583% | 2,620 |
| Return on assets (ROA) | 0.8583% | 2,721 |
| Pretax return on assets | 1.4380% | 1,629 |
| Return on Equity (ROE) | 5.4850% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.4850% | 2,252 |
| Net charge-offs to loans | 0.1004% | 5,160 |
| Credit loss provision to net charge-offs | 147.5410% | 3,131 |
| Earnings coverage of net charge-offs (x) | 17.8443% | 1,448 |
| Efficiency ratio | 63.3902% | 6,025 |
| Assets per employee ($millions) | 3.7818% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 7,110 |
| Loan loss allowance to noncurrent loans | 106.6988% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 5,556 |
| Noncurrent loans to loans | 0.7612% | 5,717 |
| Net loans and leases to total assets | 86.8843% | 307 |
| Net loans and leases to deposits | 103.5403% | 941 |
| Net loans and leases to core deposits | 115.1054% | 2,797 |
| Total domestic deposits to total assets | 83.9135% | 3,817 |
| Equity capital to assets | 15.7617% | 870 |
| Core capital (leverage) ratio | 15.7417% | 777 |
| Tier 1 risk-based capital ratio | 31.0243% | 537 |
| Total risk-based capital ratio | 32.2761% | 528 |
| Memoranda: | ||
| Average total assets | $277,754,670 | 2,395 |
| Average earning assets | $263,710,670 | 2,314 |
| Average equity | $43,464,330 | 1,565 |
| Average total loans | $242,966,670 | 1,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 3,220 |
| Cost of funding earning assets | 1.7392% | 5,427 |
| Net interest margin | 4.0770% | 2,369 |
| Noninterest income to average assets | 0.3802% | 5,382 |
| Noninterest expense to average assets | 2.6368% | 5,289 |
| Loan and lease loss provision to assets | 0.1301% | 5,292 |
| Net operating income to assets | 0.9281% | 2,587 |
| Return on assets (ROA) | 0.9281% | 2,721 |
| Pretax return on assets | 1.4832% | 1,713 |
| Return on Equity (ROE) | 5.9525% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9525% | 2,651 |
| Net charge-offs to loans | 0.0529% | 4,728 |
| Credit loss provision to net charge-offs | 281.2500% | 1,713 |
| Earnings coverage of net charge-offs (x) | 34.8750% | 948 |
| Efficiency ratio | 61.8027% | 6,094 |
| Assets per employee ($millions) | 3.7683% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 7,083 |
| Loan loss allowance to noncurrent loans | 100.1509% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 5,174 |
| Noncurrent loans to loans | 0.8199% | 5,396 |
| Net loans and leases to total assets | 86.2368% | 413 |
| Net loans and leases to deposits | 103.6240% | 1,038 |
| Net loans and leases to core deposits | 115.2447% | 2,880 |
| Total domestic deposits to total assets | 83.2208% | 4,032 |
| Equity capital to assets | 15.5835% | 953 |
| Core capital (leverage) ratio | 15.5537% | 855 |
| Tier 1 risk-based capital ratio | 30.8534% | 590 |
| Total risk-based capital ratio | 32.1031% | 574 |
| Memoranda: | ||
| Average total assets | $276,704,000 | 2,412 |
| Average earning assets | $262,642,000 | 2,343 |
| Average equity | $43,141,500 | 1,584 |
| Average total loans | $241,879,000 | 2,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9029% | 6,022 |
| Cost of funding earning assets | 2.0568% | 6,208 |
| Net interest margin | 3.8461% | 3,810 |
| Noninterest income to average assets | 0.4009% | 5,462 |
| Noninterest expense to average assets | 2.6675% | 5,389 |
| Loan and lease loss provision to assets | 0.3951% | 3,322 |
| Net operating income to assets | 0.6134% | 4,251 |
| Return on assets (ROA) | 0.6258% | 4,052 |
| Pretax return on assets | 1.0212% | 3,308 |
| Return on Equity (ROE) | 4.0581% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.0581% | 2,604 |
| Net charge-offs to loans | 0.0887% | 5,471 |
| Credit loss provision to net charge-offs | 522.7053% | 832 |
| Earnings coverage of net charge-offs (x) | 18.4831% | 1,701 |
| Efficiency ratio | 65.3342% | 5,246 |
| Assets per employee ($millions) | 3.8133% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 7,106 |
| Loan loss allowance to noncurrent loans | 98.1717% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 4,855 |
| Noncurrent loans to loans | 0.8160% | 5,007 |
| Net loans and leases to total assets | 87.1811% | 454 |
| Net loans and leases to deposits | 107.0794% | 1,036 |
| Net loans and leases to core deposits | 118.7053% | 2,814 |
| Total domestic deposits to total assets | 81.4173% | 4,450 |
| Equity capital to assets | 15.5990% | 1,025 |
| Core capital (leverage) ratio | 15.5629% | 914 |
| Tier 1 risk-based capital ratio | 30.6453% | 606 |
| Total risk-based capital ratio | 31.8968% | 595 |
| Memoranda: | ||
| Average total assets | $273,885,200 | 2,351 |
| Average earning assets | $260,890,200 | 2,285 |
| Average equity | $42,236,000 | 1,583 |
| Average total loans | $233,489,600 | 2,025 |