Home > Hatboro Federal Savings, FA > Performance and Condition Ratios
Hatboro Federal Savings, FA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 3,296 |
| Cost of funding earning assets | 1.5161% | 1,905 |
| Net interest margin | 2.8743% | 3,531 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6013% | 4,247 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9606% | 2,335 |
| Return on assets (ROA) | 0.9606% | 2,328 |
| Pretax return on assets | 1.2191% | 2,094 |
| Return on Equity (ROE) | 4.0600% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.0628% | 2,938 |
| Net charge-offs to loans | -0.0069% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4474% | 3,449 |
| Assets per employee ($millions) | 14.0398% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 4,285 |
| Loan loss allowance to noncurrent loans | 105.5370% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 1,451 |
| Noncurrent loans to loans | 0.5358% | 1,452 |
| Net loans and leases to total assets | 71.0100% | 1,701 |
| Net loans and leases to deposits | 95.6160% | 817 |
| Net loans and leases to core deposits | 108.5768% | 1,011 |
| Total domestic deposits to total assets | 74.2600% | 4,090 |
| Equity capital to assets | 24.2096% | 205 |
| Core capital (leverage) ratio | 24.6309% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1693% | 126 |
| Memoranda: | ||
| Average total assets | $548,103,000 | 1,622 |
| Average earning assets | $503,849,200 | 1,626 |
| Average equity | $129,591,400 | 764 |
| Average total loans | $374,269,200 | 1,538 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 3,184 |
| Cost of funding earning assets | 1.3436% | 2,019 |
| Net interest margin | 3.0134% | 3,319 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.6000% | 4,239 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1080% | 2,030 |
| Return on assets (ROA) | 1.1080% | 2,009 |
| Pretax return on assets | 1.4074% | 1,763 |
| Return on Equity (ROE) | 4.7100% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.7144% | 3,039 |
| Net charge-offs to loans | -0.0068% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.9454% | 3,683 |
| Assets per employee ($millions) | 14.6515% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4839% | 4,360 |
| Loan loss allowance to noncurrent loans | 68.2927% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 1,160 |
| Noncurrent loans to loans | 0.7085% | 1,169 |
| Net loans and leases to total assets | 70.1100% | 1,814 |
| Net loans and leases to deposits | 94.1964% | 881 |
| Net loans and leases to core deposits | 105.6571% | 1,036 |
| Total domestic deposits to total assets | 74.4300% | 4,131 |
| Equity capital to assets | 23.9685% | 210 |
| Core capital (leverage) ratio | 24.3974% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6809% | 113 |
| Memoranda: | ||
| Average total assets | $548,241,000 | 1,620 |
| Average earning assets | $504,311,000 | 1,618 |
| Average equity | $128,849,250 | 765 |
| Average total loans | $370,081,750 | 1,547 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 3,170 |
| Cost of funding earning assets | 1.1248% | 2,207 |
| Net interest margin | 3.1358% | 3,140 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.6115% | 4,249 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1696% | 1,910 |
| Return on assets (ROA) | 1.1696% | 1,903 |
| Pretax return on assets | 1.4967% | 1,604 |
| Return on Equity (ROE) | 5.0100% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.0090% | 2,936 |
| Net charge-offs to loans | -0.0049% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.6723% | 3,799 |
| Assets per employee ($millions) | 15.2578% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 4,387 |
| Loan loss allowance to noncurrent loans | 58.5548% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 967 |
| Noncurrent loans to loans | 0.8303% | 925 |
| Net loans and leases to total assets | 67.3300% | 2,029 |
| Net loans and leases to deposits | 89.9835% | 1,189 |
| Net loans and leases to core deposits | 100.8164% | 1,189 |
| Total domestic deposits to total assets | 74.8300% | 4,135 |
| Equity capital to assets | 23.6475% | 207 |
| Core capital (leverage) ratio | 24.3177% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4504% | 103 |
| Memoranda: | ||
| Average total assets | $550,286,667 | 1,605 |
| Average earning assets | $506,917,000 | 1,610 |
| Average equity | $128,487,667 | 761 |
| Average total loans | $366,134,000 | 1,547 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,077 |
| Cost of funding earning assets | 0.9516% | 2,215 |
| Net interest margin | 3.2313% | 3,038 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.5919% | 4,312 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.2578% | 1,777 |
| Return on assets (ROA) | 1.2578% | 1,751 |
| Pretax return on assets | 1.6151% | 1,425 |
| Return on Equity (ROE) | 5.4200% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.4216% | 2,916 |
| Net charge-offs to loans | -0.0033% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.4696% | 3,984 |
| Assets per employee ($millions) | 14.7572% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4886% | 4,440 |
| Loan loss allowance to noncurrent loans | 51.2181% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 787 |
| Noncurrent loans to loans | 0.9539% | 787 |
| Net loans and leases to total assets | 66.6600% | 1,992 |
| Net loans and leases to deposits | 89.0588% | 1,133 |
| Net loans and leases to core deposits | 99.1869% | 1,126 |
| Total domestic deposits to total assets | 74.8500% | 4,232 |
| Equity capital to assets | 23.5920% | 171 |
| Core capital (leverage) ratio | 23.7276% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5603% | 108 |
| Memoranda: | ||
| Average total assets | $550,790,500 | 1,623 |
| Average earning assets | $507,780,500 | 1,630 |
| Average equity | $127,786,000 | 772 |
| Average total loans | $363,372,000 | 1,569 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 3,859 |
| Cost of funding earning assets | 0.6866% | 620 |
| Net interest margin | 2.4900% | 4,298 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.4401% | 4,479 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6625% | 3,729 |
| Return on assets (ROA) | 0.6625% | 3,679 |
| Pretax return on assets | 0.8623% | 3,454 |
| Return on Equity (ROE) | 3.0300% | 4,289 |
| Retained earnings to average equity (ytd only) | 3.0294% | 3,712 |
| Net charge-offs to loans | -0.0029% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9966% | 2,766 |
| Assets per employee ($millions) | 13.8891% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4901% | 4,440 |
| Loan loss allowance to noncurrent loans | 48.2279% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 748 |
| Noncurrent loans to loans | 1.0161% | 712 |
| Net loans and leases to total assets | 64.6600% | 2,179 |
| Net loans and leases to deposits | 85.3347% | 1,365 |
| Net loans and leases to core deposits | 94.0760% | 1,294 |
| Total domestic deposits to total assets | 75.7700% | 4,272 |
| Equity capital to assets | 22.8157% | 177 |
| Core capital (leverage) ratio | 22.7237% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.5940% | 104 |
| Memoranda: | ||
| Average total assets | $576,145,000 | 1,551 |
| Average earning assets | $533,663,600 | 1,542 |
| Average equity | $126,000,400 | 784 |
| Average total loans | $342,550,200 | 1,568 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9260% | 4,021 |
| Cost of funding earning assets | 0.6616% | 313 |
| Net interest margin | 2.2644% | 4,429 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.4400% | 4,482 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5062% | 4,057 |
| Return on assets (ROA) | 0.5062% | 4,008 |
| Pretax return on assets | 0.6505% | 3,895 |
| Return on Equity (ROE) | 2.3400% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.3389% | 3,950 |
| Net charge-offs to loans | -0.0028% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2243% | 1,985 |
| Assets per employee ($millions) | 14.1341% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 4,477 |
| Loan loss allowance to noncurrent loans | 51.4218% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 889 |
| Noncurrent loans to loans | 0.9619% | 811 |
| Net loans and leases to total assets | 61.7700% | 2,316 |
| Net loans and leases to deposits | 80.7119% | 1,544 |
| Net loans and leases to core deposits | 88.5715% | 1,385 |
| Total domestic deposits to total assets | 76.5300% | 4,344 |
| Equity capital to assets | 22.0281% | 178 |
| Core capital (leverage) ratio | 22.2105% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4030% | 108 |
| Memoranda: | ||
| Average total assets | $581,290,000 | 1,540 |
| Average earning assets | $538,875,250 | 1,539 |
| Average equity | $125,811,500 | 792 |
| Average total loans | $337,945,000 | 1,578 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6838% | 4,163 |
| Cost of funding earning assets | 0.6597% | 199 |
| Net interest margin | 2.0242% | 4,544 |
| Noninterest income to average assets | 0.0713% | 4,578 |
| Noninterest expense to average assets | 1.4207% | 4,508 |
| Loan and lease loss provision to assets | 0.0130% | 2,361 |
| Net operating income to assets | 0.4200% | 4,074 |
| Return on assets (ROA) | 0.4200% | 4,021 |
| Pretax return on assets | 0.5165% | 3,966 |
| Return on Equity (ROE) | 1.9519% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.9519% | 3,765 |
| Net charge-offs to loans | -0.0012% | 3,059 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8497% | 1,645 |
| Assets per employee ($millions) | 15.8130% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 4,562 |
| Loan loss allowance to noncurrent loans | 46.3341% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 891 |
| Noncurrent loans to loans | 1.0572% | 784 |
| Net loans and leases to total assets | 58.3653% | 2,490 |
| Net loans and leases to deposits | 75.5371% | 1,722 |
| Net loans and leases to core deposits | 82.3774% | 1,571 |
| Total domestic deposits to total assets | 77.2671% | 4,396 |
| Equity capital to assets | 21.4050% | 139 |
| Core capital (leverage) ratio | 21.6822% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.7208% | 68 |
| Memoranda: | ||
| Average total assets | $586,599,000 | 1,529 |
| Average earning assets | $544,519,000 | 1,536 |
| Average equity | $126,235,667 | 798 |
| Average total loans | $333,606,333 | 1,585 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5301% | 4,230 |
| Cost of funding earning assets | 0.6644% | 189 |
| Net interest margin | 1.8657% | 4,594 |
| Noninterest income to average assets | 0.1914% | 4,015 |
| Noninterest expense to average assets | 1.3954% | 4,541 |
| Loan and lease loss provision to assets | -0.0089% | 4,419 |
| Net operating income to assets | 0.4583% | 3,822 |
| Return on assets (ROA) | 0.4583% | 3,785 |
| Pretax return on assets | 0.5373% | 3,793 |
| Return on Equity (ROE) | 2.1241% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.1241% | 3,513 |
| Net charge-offs to loans | -0.0012% | 3,037 |
| Credit loss provision to net charge-offs | 1,300.0000% | 287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5310% | 1,910 |
| Assets per employee ($millions) | 15.5062% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4955% | 4,592 |
| Loan loss allowance to noncurrent loans | 43.0611% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 928 |
| Noncurrent loans to loans | 1.1507% | 771 |
| Net loans and leases to total assets | 55.5154% | 2,573 |
| Net loans and leases to deposits | 71.7678% | 1,800 |
| Net loans and leases to core deposits | 78.3613% | 1,583 |
| Total domestic deposits to total assets | 77.3542% | 4,441 |
| Equity capital to assets | 21.3580% | 136 |
| Core capital (leverage) ratio | 21.5986% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.0272% | 65 |
| Memoranda: | ||
| Average total assets | $587,357,500 | 1,540 |
| Average earning assets | $545,439,500 | 1,546 |
| Average equity | $126,735,000 | 809 |
| Average total loans | $328,826,500 | 1,590 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7371% | 4,274 |
| Cost of funding earning assets | 0.7838% | 219 |
| Net interest margin | 1.9533% | 4,617 |
| Noninterest income to average assets | 0.2471% | 3,893 |
| Noninterest expense to average assets | 1.4170% | 4,613 |
| Loan and lease loss provision to assets | -0.0664% | 4,425 |
| Net operating income to assets | 0.5935% | 3,889 |
| Return on assets (ROA) | 0.5935% | 3,932 |
| Pretax return on assets | 0.7101% | 3,909 |
| Return on Equity (ROE) | 2.7039% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.7039% | 3,756 |
| Net charge-offs to loans | -0.0036% | 3,470 |
| Credit loss provision to net charge-offs | 3,191.6667% | 211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7631% | 1,888 |
| Assets per employee ($millions) | 14.6370% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 4,628 |
| Loan loss allowance to noncurrent loans | 47.2366% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 1,111 |
| Noncurrent loans to loans | 1.0562% | 925 |
| Net loans and leases to total assets | 55.8971% | 2,629 |
| Net loans and leases to deposits | 72.6367% | 1,851 |
| Net loans and leases to core deposits | 79.2903% | 1,654 |
| Total domestic deposits to total assets | 76.9544% | 4,466 |
| Equity capital to assets | 21.7977% | 127 |
| Core capital (leverage) ratio | 21.7335% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.6550% | 65 |
| Memoranda: | ||
| Average total assets | $577,126,200 | 1,496 |
| Average earning assets | $535,860,400 | 1,505 |
| Average equity | $126,666,800 | 820 |
| Average total loans | $337,262,800 | 1,564 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7750% | 4,327 |
| Cost of funding earning assets | 0.8055% | 237 |
| Net interest margin | 1.9695% | 4,691 |
| Noninterest income to average assets | 0.2940% | 3,686 |
| Noninterest expense to average assets | 1.4107% | 4,679 |
| Loan and lease loss provision to assets | -0.0840% | 4,566 |
| Net operating income to assets | 0.6536% | 3,891 |
| Return on assets (ROA) | 0.6536% | 3,943 |
| Pretax return on assets | 0.7955% | 3,899 |
| Return on Equity (ROE) | 2.9729% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.9729% | 3,920 |
| Net charge-offs to loans | -0.0043% | 3,390 |
| Credit loss provision to net charge-offs | 3,290.9091% | 221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4700% | 2,037 |
| Assets per employee ($millions) | 14.9298% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 4,706 |
| Loan loss allowance to noncurrent loans | 41.0427% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,072 |
| Noncurrent loans to loans | 1.2137% | 916 |
| Net loans and leases to total assets | 56.9794% | 2,615 |
| Net loans and leases to deposits | 74.1945% | 1,837 |
| Net loans and leases to core deposits | 81.4115% | 1,618 |
| Total domestic deposits to total assets | 76.7973% | 4,503 |
| Equity capital to assets | 21.8898% | 136 |
| Core capital (leverage) ratio | 21.6161% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.0514% | 70 |
| Memoranda: | ||
| Average total assets | $575,038,000 | 1,520 |
| Average earning assets | $533,805,500 | 1,523 |
| Average equity | $126,428,250 | 829 |
| Average total loans | $339,351,750 | 1,588 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8339% | 4,302 |
| Cost of funding earning assets | 0.8238% | 260 |
| Net interest margin | 2.0101% | 4,704 |
| Noninterest income to average assets | 0.2833% | 3,728 |
| Noninterest expense to average assets | 1.4495% | 4,675 |
| Loan and lease loss provision to assets | -0.1558% | 4,713 |
| Net operating income to assets | 0.7101% | 3,736 |
| Return on assets (ROA) | 0.7101% | 3,804 |
| Pretax return on assets | 0.8550% | 3,759 |
| Return on Equity (ROE) | 3.2248% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.2248% | 3,767 |
| Net charge-offs to loans | -0.0053% | 3,450 |
| Credit loss provision to net charge-offs | 4,955.5556% | 147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4577% | 1,941 |
| Assets per employee ($millions) | 14.2148% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4710% | 4,758 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 880 |
| Noncurrent loans to loans | 1.4131% | 825 |
| Net loans and leases to total assets | 57.1033% | 2,776 |
| Net loans and leases to deposits | 74.1785% | 1,979 |
| Net loans and leases to core deposits | 80.7624% | 1,823 |
| Total domestic deposits to total assets | 76.9810% | 4,514 |
| Equity capital to assets | 21.7464% | 136 |
| Core capital (leverage) ratio | 21.6654% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.2572% | 75 |
| Memoranda: | ||
| Average total assets | $572,630,333 | 1,517 |
| Average earning assets | $531,428,667 | 1,524 |
| Average equity | $126,085,667 | 830 |
| Average total loans | $341,325,667 | 1,592 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9197% | 4,229 |
| Cost of funding earning assets | 0.8501% | 282 |
| Net interest margin | 2.0695% | 4,695 |
| Noninterest income to average assets | 0.3883% | 3,159 |
| Noninterest expense to average assets | 1.4702% | 4,681 |
| Loan and lease loss provision to assets | -0.2227% | 4,825 |
| Net operating income to assets | 0.8796% | 3,182 |
| Return on assets (ROA) | 0.8796% | 3,263 |
| Pretax return on assets | 1.0607% | 3,213 |
| Return on Equity (ROE) | 3.9695% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.9695% | 3,512 |
| Net charge-offs to loans | -0.0104% | 3,679 |
| Credit loss provision to net charge-offs | 3,511.1111% | 159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6947% | 2,502 |
| Assets per employee ($millions) | 13.9697% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 4,772 |
| Loan loss allowance to noncurrent loans | 35.8043% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 947 |
| Noncurrent loans to loans | 1.4023% | 902 |
| Net loans and leases to total assets | 58.9909% | 2,671 |
| Net loans and leases to deposits | 76.9378% | 1,808 |
| Net loans and leases to core deposits | 83.5532% | 1,715 |
| Total domestic deposits to total assets | 76.6735% | 4,543 |
| Equity capital to assets | 22.0291% | 124 |
| Core capital (leverage) ratio | 21.9933% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.1826% | 77 |
| Memoranda: | ||
| Average total assets | $567,543,000 | 1,522 |
| Average earning assets | $526,495,500 | 1,523 |
| Average equity | $125,759,000 | 826 |
| Average total loans | $344,800,500 | 1,579 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 4,318 |
| Cost of funding earning assets | 1.0831% | 430 |
| Net interest margin | 2.2261% | 4,745 |
| Noninterest income to average assets | 0.2023% | 4,258 |
| Noninterest expense to average assets | 1.4584% | 4,808 |
| Loan and lease loss provision to assets | 0.0117% | 4,219 |
| Net operating income to assets | 0.6521% | 3,587 |
| Return on assets (ROA) | 0.6521% | 3,714 |
| Pretax return on assets | 0.7917% | 3,643 |
| Return on Equity (ROE) | 2.8532% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.8532% | 3,446 |
| Net charge-offs to loans | -0.0199% | 4,427 |
| Credit loss provision to net charge-offs | -86.3014% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4815% | 2,743 |
| Assets per employee ($millions) | 14.0583% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 4,731 |
| Loan loss allowance to noncurrent loans | 34.5586% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 910 |
| Noncurrent loans to loans | 1.6633% | 782 |
| Net loans and leases to total assets | 61.8871% | 2,625 |
| Net loans and leases to deposits | 80.9077% | 1,774 |
| Net loans and leases to core deposits | 87.6734% | 1,723 |
| Total domestic deposits to total assets | 76.4910% | 4,470 |
| Equity capital to assets | 22.2903% | 128 |
| Core capital (leverage) ratio | 22.1225% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,872,600 | 1,459 |
| Average earning assets | $498,547,200 | 1,459 |
| Average equity | $123,160,800 | 799 |
| Average total loans | $366,309,800 | 1,462 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3829% | 4,372 |
| Cost of funding earning assets | 1.1205% | 495 |
| Net interest margin | 2.2624% | 4,791 |
| Noninterest income to average assets | 0.1931% | 4,317 |
| Noninterest expense to average assets | 1.5019% | 4,800 |
| Loan and lease loss provision to assets | 0.0705% | 3,444 |
| Net operating income to assets | 0.5931% | 3,787 |
| Return on assets (ROA) | 0.5931% | 3,886 |
| Pretax return on assets | 0.7122% | 3,876 |
| Return on Equity (ROE) | 2.5782% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.5782% | 3,697 |
| Net charge-offs to loans | -0.0007% | 3,797 |
| Credit loss provision to net charge-offs | -14,100.0000% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7396% | 2,499 |
| Assets per employee ($millions) | 13.3848% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 4,730 |
| Loan loss allowance to noncurrent loans | 33.5092% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 872 |
| Noncurrent loans to loans | 1.7790% | 749 |
| Net loans and leases to total assets | 65.6324% | 2,564 |
| Net loans and leases to deposits | 86.3456% | 1,656 |
| Net loans and leases to core deposits | 93.9480% | 1,642 |
| Total domestic deposits to total assets | 76.0113% | 4,422 |
| Equity capital to assets | 22.6469% | 132 |
| Core capital (leverage) ratio | 22.4441% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,008,250 | 1,455 |
| Average earning assets | $492,743,250 | 1,451 |
| Average equity | $122,614,750 | 797 |
| Average total loans | $370,381,750 | 1,439 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 4,466 |
| Cost of funding earning assets | 1.1513% | 606 |
| Net interest margin | 2.3088% | 4,835 |
| Noninterest income to average assets | 0.1012% | 4,777 |
| Noninterest expense to average assets | 1.5140% | 4,836 |
| Loan and lease loss provision to assets | 0.0970% | 3,062 |
| Net operating income to assets | 0.5116% | 3,984 |
| Return on assets (ROA) | 0.5116% | 4,065 |
| Pretax return on assets | 0.6234% | 4,013 |
| Return on Equity (ROE) | 2.2120% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.2120% | 3,677 |
| Net charge-offs to loans | -0.0005% | 3,726 |
| Credit loss provision to net charge-offs | -25,600.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7578% | 2,271 |
| Assets per employee ($millions) | 13.1712% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5744% | 4,771 |
| Loan loss allowance to noncurrent loans | 30.4410% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 806 |
| Noncurrent loans to loans | 1.8869% | 732 |
| Net loans and leases to total assets | 68.3698% | 2,292 |
| Net loans and leases to deposits | 90.1585% | 1,340 |
| Net loans and leases to core deposits | 97.2427% | 1,479 |
| Total domestic deposits to total assets | 75.8329% | 4,442 |
| Equity capital to assets | 22.8577% | 129 |
| Core capital (leverage) ratio | 22.7548% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,752,333 | 1,441 |
| Average earning assets | $487,621,667 | 1,439 |
| Average equity | $122,059,333 | 790 |
| Average total loans | $373,064,000 | 1,421 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,257 |
| Cost of funding earning assets | 1.1815% | 822 |
| Net interest margin | 2.6031% | 4,754 |
| Noninterest income to average assets | 0.2469% | 4,076 |
| Noninterest expense to average assets | 1.5835% | 4,866 |
| Loan and lease loss provision to assets | 0.1840% | 1,625 |
| Net operating income to assets | 0.7270% | 3,178 |
| Return on assets (ROA) | 0.7270% | 3,263 |
| Pretax return on assets | 0.8819% | 3,187 |
| Return on Equity (ROE) | 3.1243% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.1243% | 3,028 |
| Net charge-offs to loans | -0.0075% | 3,973 |
| Credit loss provision to net charge-offs | -3,428.5714% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7685% | 3,766 |
| Assets per employee ($millions) | 12.8273% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 4,802 |
| Loan loss allowance to noncurrent loans | 33.4805% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 1,028 |
| Noncurrent loans to loans | 1.7037% | 889 |
| Net loans and leases to total assets | 70.3649% | 2,193 |
| Net loans and leases to deposits | 93.3988% | 1,136 |
| Net loans and leases to core deposits | 101.1341% | 1,390 |
| Total domestic deposits to total assets | 75.3381% | 4,549 |
| Equity capital to assets | 23.3305% | 139 |
| Core capital (leverage) ratio | 23.1065% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,619,000 | 1,411 |
| Average earning assets | $481,418,500 | 1,419 |
| Average equity | $121,371,000 | 784 |
| Average total loans | $373,924,500 | 1,371 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 4,191 |
| Cost of funding earning assets | 1.1532% | 1,149 |
| Net interest margin | 2.8757% | 4,681 |
| Noninterest income to average assets | 0.1750% | 4,611 |
| Noninterest expense to average assets | 1.6533% | 4,913 |
| Loan and lease loss provision to assets | -0.0231% | 4,965 |
| Net operating income to assets | 0.9361% | 3,071 |
| Return on assets (ROA) | 0.9361% | 3,149 |
| Pretax return on assets | 1.1947% | 2,858 |
| Return on Equity (ROE) | 4.0911% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.0911% | 2,927 |
| Net charge-offs to loans | -0.0249% | 4,674 |
| Credit loss provision to net charge-offs | 128.2609% | 1,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5278% | 3,910 |
| Assets per employee ($millions) | 12.0307% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 4,890 |
| Loan loss allowance to noncurrent loans | 29.2075% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 917 |
| Noncurrent loans to loans | 1.7098% | 806 |
| Net loans and leases to total assets | 72.2548% | 2,052 |
| Net loans and leases to deposits | 95.7054% | 971 |
| Net loans and leases to core deposits | 103.5435% | 1,265 |
| Total domestic deposits to total assets | 75.4971% | 4,657 |
| Equity capital to assets | 23.2047% | 156 |
| Core capital (leverage) ratio | 23.1228% | 154 |
| Tier 1 risk-based capital ratio | 44.0327% | 188 |
| Total risk-based capital ratio | 44.7315% | 191 |
| Memoranda: | ||
| Average total assets | $509,753,400 | 1,404 |
| Average earning assets | $469,721,800 | 1,416 |
| Average equity | $116,644,600 | 781 |
| Average total loans | $369,713,600 | 1,358 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 4,344 |
| Cost of funding earning assets | 1.1312% | 1,237 |
| Net interest margin | 2.8794% | 4,778 |
| Noninterest income to average assets | 0.1869% | 4,601 |
| Noninterest expense to average assets | 1.7004% | 4,922 |
| Loan and lease loss provision to assets | 0.0063% | 3,755 |
| Net operating income to assets | 0.8955% | 3,364 |
| Return on assets (ROA) | 0.8955% | 3,438 |
| Pretax return on assets | 1.1326% | 3,193 |
| Return on Equity (ROE) | 3.9275% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.9275% | 3,437 |
| Net charge-offs to loans | 0.0036% | 3,285 |
| Credit loss provision to net charge-offs | 240.0000% | 1,129 |
| Earnings coverage of net charge-offs (x) | 433.8980% | 228 |
| Efficiency ratio | 59.8890% | 3,672 |
| Assets per employee ($millions) | 12.2217% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5102% | 4,961 |
| Loan loss allowance to noncurrent loans | 26.7374% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 839 |
| Noncurrent loans to loans | 1.9081% | 733 |
| Net loans and leases to total assets | 72.7910% | 2,039 |
| Net loans and leases to deposits | 96.4014% | 971 |
| Net loans and leases to core deposits | 104.9320% | 1,264 |
| Total domestic deposits to total assets | 75.5083% | 4,696 |
| Equity capital to assets | 23.1257% | 160 |
| Core capital (leverage) ratio | 22.9084% | 159 |
| Tier 1 risk-based capital ratio | 43.2007% | 195 |
| Total risk-based capital ratio | 43.9089% | 199 |
| Memoranda: | ||
| Average total assets | $507,862,250 | 1,411 |
| Average earning assets | $467,816,000 | 1,429 |
| Average equity | $115,795,250 | 786 |
| Average total loans | $368,226,250 | 1,374 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 4,403 |
| Cost of funding earning assets | 1.0945% | 1,319 |
| Net interest margin | 2.8945% | 4,827 |
| Noninterest income to average assets | 0.1948% | 4,589 |
| Noninterest expense to average assets | 1.6821% | 4,991 |
| Loan and lease loss provision to assets | -0.0012% | 5,082 |
| Net operating income to assets | 0.9343% | 3,153 |
| Return on assets (ROA) | 0.9343% | 3,211 |
| Pretax return on assets | 1.1793% | 2,977 |
| Return on Equity (ROE) | 4.1176% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.1176% | 3,189 |
| Net charge-offs to loans | 0.0175% | 2,529 |
| Credit loss provision to net charge-offs | -9.3750% | 3,757 |
| Earnings coverage of net charge-offs (x) | 93.1563% | 730 |
| Efficiency ratio | 58.8089% | 3,892 |
| Assets per employee ($millions) | 12.2237% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 5,008 |
| Loan loss allowance to noncurrent loans | 26.7939% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3572% | 901 |
| Noncurrent loans to loans | 1.8856% | 788 |
| Net loans and leases to total assets | 71.6159% | 2,263 |
| Net loans and leases to deposits | 94.3879% | 1,216 |
| Net loans and leases to core deposits | 102.3227% | 1,527 |
| Total domestic deposits to total assets | 75.8740% | 4,686 |
| Equity capital to assets | 22.8210% | 165 |
| Core capital (leverage) ratio | 22.9463% | 153 |
| Tier 1 risk-based capital ratio | 42.9980% | 194 |
| Total risk-based capital ratio | 43.6904% | 203 |
| Memoranda: | ||
| Average total assets | $506,045,670 | 1,416 |
| Average earning assets | $465,985,000 | 1,429 |
| Average equity | $114,824,670 | 784 |
| Average total loans | $365,781,330 | 1,385 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 4,373 |
| Cost of funding earning assets | 1.0660% | 1,305 |
| Net interest margin | 2.9299% | 4,849 |
| Noninterest income to average assets | 0.0518% | 5,209 |
| Noninterest expense to average assets | 1.6745% | 5,040 |
| Loan and lease loss provision to assets | 0.0127% | 3,272 |
| Net operating income to assets | 0.8313% | 3,513 |
| Return on assets (ROA) | 0.8313% | 3,552 |
| Pretax return on assets | 1.0606% | 3,266 |
| Return on Equity (ROE) | 3.6742% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.6742% | 3,454 |
| Net charge-offs to loans | 0.0011% | 2,724 |
| Credit loss provision to net charge-offs | 1,600.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 1,348.0000% | 36 |
| Efficiency ratio | 60.9389% | 3,687 |
| Assets per employee ($millions) | 11.7467% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 5,051 |
| Loan loss allowance to noncurrent loans | 27.8836% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 935 |
| Noncurrent loans to loans | 1.8884% | 805 |
| Net loans and leases to total assets | 71.6984% | 2,212 |
| Net loans and leases to deposits | 94.5448% | 1,108 |
| Net loans and leases to core deposits | 102.2693% | 1,438 |
| Total domestic deposits to total assets | 75.8354% | 4,781 |
| Equity capital to assets | 22.7740% | 154 |
| Core capital (leverage) ratio | 22.8789% | 153 |
| Tier 1 risk-based capital ratio | 42.7968% | 191 |
| Total risk-based capital ratio | 43.5127% | 194 |
| Memoranda: | ||
| Average total assets | $502,370,500 | 1,429 |
| Average earning assets | $462,274,000 | 1,442 |
| Average equity | $113,656,000 | 786 |
| Average total loans | $363,902,000 | 1,394 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 4,337 |
| Cost of funding earning assets | 0.9520% | 918 |
| Net interest margin | 2.9192% | 4,892 |
| Noninterest income to average assets | 0.1823% | 4,812 |
| Noninterest expense to average assets | 1.6485% | 5,136 |
| Loan and lease loss provision to assets | 0.0183% | 3,792 |
| Net operating income to assets | 0.9448% | 3,262 |
| Return on assets (ROA) | 0.9410% | 3,272 |
| Pretax return on assets | 1.1948% | 2,901 |
| Return on Equity (ROE) | 4.2515% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.2515% | 3,213 |
| Net charge-offs to loans | -0.0009% | 4,178 |
| Credit loss provision to net charge-offs | -3,033.3333% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5093% | 4,216 |
| Assets per employee ($millions) | 11.6194% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 5,097 |
| Loan loss allowance to noncurrent loans | 24.1248% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 725 |
| Noncurrent loans to loans | 2.1675% | 598 |
| Net loans and leases to total assets | 72.4193% | 2,188 |
| Net loans and leases to deposits | 94.9175% | 1,179 |
| Net loans and leases to core deposits | 102.0340% | 1,574 |
| Total domestic deposits to total assets | 76.2971% | 4,718 |
| Equity capital to assets | 22.4722% | 160 |
| Core capital (leverage) ratio | 22.8120% | 150 |
| Tier 1 risk-based capital ratio | 42.2454% | 204 |
| Total risk-based capital ratio | 42.9526% | 208 |
| Memoranda: | ||
| Average total assets | $496,401,600 | 1,417 |
| Average earning assets | $456,421,800 | 1,429 |
| Average equity | $109,866,200 | 783 |
| Average total loans | $346,254,400 | 1,418 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 4,361 |
| Cost of funding earning assets | 0.9205% | 840 |
| Net interest margin | 2.9140% | 4,955 |
| Noninterest income to average assets | 0.2026% | 4,757 |
| Noninterest expense to average assets | 1.6615% | 5,163 |
| Loan and lease loss provision to assets | 0.0221% | 3,579 |
| Net operating income to assets | 0.9513% | 3,301 |
| Return on assets (ROA) | 0.9462% | 3,326 |
| Pretax return on assets | 1.1918% | 3,018 |
| Return on Equity (ROE) | 4.2917% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.2917% | 3,618 |
| Net charge-offs to loans | -0.0008% | 4,006 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6550% | 4,172 |
| Assets per employee ($millions) | 11.7900% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5276% | 5,155 |
| Loan loss allowance to noncurrent loans | 20.6573% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8830% | 594 |
| Noncurrent loans to loans | 2.5540% | 507 |
| Net loans and leases to total assets | 72.0392% | 2,323 |
| Net loans and leases to deposits | 94.2336% | 1,359 |
| Net loans and leases to core deposits | 101.2661% | 1,674 |
| Total domestic deposits to total assets | 76.4475% | 4,735 |
| Equity capital to assets | 22.2461% | 156 |
| Core capital (leverage) ratio | 22.6921% | 148 |
| Tier 1 risk-based capital ratio | 41.8329% | 207 |
| Total risk-based capital ratio | 42.5363% | 212 |
| Memoranda: | ||
| Average total assets | $495,593,250 | 1,424 |
| Average earning assets | $455,675,000 | 1,434 |
| Average equity | $109,263,000 | 780 |
| Average total loans | $341,884,500 | 1,432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,490 |
| Cost of funding earning assets | 0.8890% | 762 |
| Net interest margin | 2.8511% | 5,069 |
| Noninterest income to average assets | 0.1638% | 5,009 |
| Noninterest expense to average assets | 1.6941% | 5,203 |
| Loan and lease loss provision to assets | -0.0024% | 5,286 |
| Net operating income to assets | 0.8739% | 3,569 |
| Return on assets (ROA) | 0.8662% | 3,597 |
| Pretax return on assets | 1.0853% | 3,369 |
| Return on Equity (ROE) | 3.9407% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.9407% | 3,634 |
| Net charge-offs to loans | 0.0083% | 2,828 |
| Credit loss provision to net charge-offs | -42.8571% | 4,000 |
| Earnings coverage of net charge-offs (x) | 193.4286% | 427 |
| Efficiency ratio | 60.7934% | 3,798 |
| Assets per employee ($millions) | 12.0993% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 5,233 |
| Loan loss allowance to noncurrent loans | 18.3988% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 555 |
| Noncurrent loans to loans | 2.8176% | 426 |
| Net loans and leases to total assets | 69.1673% | 2,695 |
| Net loans and leases to deposits | 90.1182% | 1,826 |
| Net loans and leases to core deposits | 96.3463% | 2,030 |
| Total domestic deposits to total assets | 76.7517% | 4,761 |
| Equity capital to assets | 22.0433% | 162 |
| Core capital (leverage) ratio | 22.3941% | 150 |
| Tier 1 risk-based capital ratio | 42.3202% | 201 |
| Total risk-based capital ratio | 43.0012% | 207 |
| Memoranda: | ||
| Average total assets | $495,731,330 | 1,429 |
| Average earning assets | $456,027,000 | 1,431 |
| Average equity | $108,964,670 | 779 |
| Average total loans | $336,307,670 | 1,457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,483 |
| Cost of funding earning assets | 0.8692% | 692 |
| Net interest margin | 2.8233% | 5,130 |
| Noninterest income to average assets | 0.2341% | 4,610 |
| Noninterest expense to average assets | 1.6547% | 5,289 |
| Loan and lease loss provision to assets | -0.0137% | 5,417 |
| Net operating income to assets | 0.9748% | 2,967 |
| Return on assets (ROA) | 0.9589% | 3,054 |
| Pretax return on assets | 1.1720% | 2,883 |
| Return on Equity (ROE) | 4.3688% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.3688% | 3,440 |
| Net charge-offs to loans | -0.0012% | 3,767 |
| Credit loss provision to net charge-offs | 1,700.0000% | 210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4212% | 4,294 |
| Assets per employee ($millions) | 11.8146% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5417% | 5,274 |
| Loan loss allowance to noncurrent loans | 18.3494% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.9681% | 586 |
| Noncurrent loans to loans | 2.9520% | 411 |
| Net loans and leases to total assets | 66.3090% | 2,984 |
| Net loans and leases to deposits | 86.2375% | 2,138 |
| Net loans and leases to core deposits | 92.4456% | 2,262 |
| Total domestic deposits to total assets | 76.8911% | 4,870 |
| Equity capital to assets | 21.8879% | 160 |
| Core capital (leverage) ratio | 22.3490% | 145 |
| Tier 1 risk-based capital ratio | 42.9157% | 196 |
| Total risk-based capital ratio | 43.6134% | 199 |
| Memoranda: | ||
| Average total assets | $495,562,000 | 1,436 |
| Average earning assets | $456,063,000 | 1,442 |
| Average equity | $108,772,000 | 779 |
| Average total loans | $332,008,500 | 1,479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 4,718 |
| Cost of funding earning assets | 0.8641% | 452 |
| Net interest margin | 2.6739% | 5,297 |
| Noninterest income to average assets | 0.1845% | 5,034 |
| Noninterest expense to average assets | 1.5922% | 5,421 |
| Loan and lease loss provision to assets | 0.0697% | 2,806 |
| Net operating income to assets | 0.4687% | 4,464 |
| Return on assets (ROA) | 0.4788% | 4,469 |
| Pretax return on assets | 0.9994% | 3,574 |
| Return on Equity (ROE) | 2.2232% | 5,016 |
| Retained earnings to average equity (ytd only) | 2.2232% | 3,992 |
| Net charge-offs to loans | 0.1040% | 2,023 |
| Credit loss provision to net charge-offs | 106.0606% | 2,430 |
| Earnings coverage of net charge-offs (x) | 16.0333% | 2,204 |
| Efficiency ratio | 60.1851% | 4,234 |
| Assets per employee ($millions) | 11.2479% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5426% | 5,335 |
| Loan loss allowance to noncurrent loans | 17.8762% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.0436% | 545 |
| Noncurrent loans to loans | 3.0355% | 367 |
| Net loans and leases to total assets | 66.9582% | 2,971 |
| Net loans and leases to deposits | 87.0663% | 2,123 |
| Net loans and leases to core deposits | 93.1502% | 2,269 |
| Total domestic deposits to total assets | 76.9048% | 4,861 |
| Equity capital to assets | 22.0107% | 151 |
| Core capital (leverage) ratio | 22.0768% | 138 |
| Tier 1 risk-based capital ratio | 42.0717% | 186 |
| Total risk-based capital ratio | 42.7688% | 191 |
| Memoranda: | ||
| Average total assets | $502,318,800 | 1,397 |
| Average earning assets | $462,319,600 | 1,409 |
| Average equity | $108,178,200 | 756 |
| Average total loans | $317,232,600 | 1,495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,792 |
| Cost of funding earning assets | 0.8595% | 431 |
| Net interest margin | 2.6510% | 5,368 |
| Noninterest income to average assets | 0.1801% | 5,115 |
| Noninterest expense to average assets | 1.5426% | 5,491 |
| Loan and lease loss provision to assets | 0.0759% | 2,555 |
| Net operating income to assets | 0.7010% | 3,976 |
| Return on assets (ROA) | 0.7156% | 3,958 |
| Pretax return on assets | 1.0221% | 3,598 |
| Return on Equity (ROE) | 3.3410% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.3410% | 3,942 |
| Net charge-offs to loans | 0.1366% | 1,429 |
| Credit loss provision to net charge-offs | 89.4081% | 2,469 |
| Earnings coverage of net charge-offs (x) | 12.6885% | 2,406 |
| Efficiency ratio | 58.8835% | 4,377 |
| Assets per employee ($millions) | 11.0634% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 5,418 |
| Loan loss allowance to noncurrent loans | 21.0413% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6744% | 864 |
| Noncurrent loans to loans | 2.5496% | 584 |
| Net loans and leases to total assets | 65.3204% | 3,204 |
| Net loans and leases to deposits | 85.0712% | 2,424 |
| Net loans and leases to core deposits | 90.7123% | 2,551 |
| Total domestic deposits to total assets | 76.7832% | 4,926 |
| Equity capital to assets | 22.0896% | 155 |
| Core capital (leverage) ratio | 21.8646% | 147 |
| Tier 1 risk-based capital ratio | 42.6045% | 192 |
| Total risk-based capital ratio | 43.2885% | 195 |
| Memoranda: | ||
| Average total assets | $504,171,250 | 1,400 |
| Average earning assets | $463,964,500 | 1,414 |
| Average equity | $107,989,500 | 761 |
| Average total loans | $313,243,250 | 1,520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 4,877 |
| Cost of funding earning assets | 0.8526% | 400 |
| Net interest margin | 2.5977% | 5,440 |
| Noninterest income to average assets | 0.2070% | 5,009 |
| Noninterest expense to average assets | 1.5272% | 5,551 |
| Loan and lease loss provision to assets | 0.0976% | 2,053 |
| Net operating income to assets | 0.6857% | 3,909 |
| Return on assets (ROA) | 0.7075% | 3,880 |
| Pretax return on assets | 1.0038% | 3,559 |
| Return on Equity (ROE) | 3.3374% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.3374% | 3,731 |
| Net charge-offs to loans | 0.2093% | 976 |
| Credit loss provision to net charge-offs | 76.4706% | 2,303 |
| Earnings coverage of net charge-offs (x) | 8.3870% | 2,515 |
| Efficiency ratio | 58.7985% | 4,493 |
| Assets per employee ($millions) | 11.7939% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 5,469 |
| Loan loss allowance to noncurrent loans | 22.8663% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5651% | 956 |
| Noncurrent loans to loans | 2.3633% | 661 |
| Net loans and leases to total assets | 62.1315% | 3,619 |
| Net loans and leases to deposits | 80.2062% | 2,888 |
| Net loans and leases to core deposits | 85.6631% | 2,912 |
| Total domestic deposits to total assets | 77.4646% | 4,895 |
| Equity capital to assets | 21.5072% | 158 |
| Core capital (leverage) ratio | 21.5323% | 149 |
| Tier 1 risk-based capital ratio | 42.8663% | 184 |
| Total risk-based capital ratio | 43.5438% | 184 |
| Memoranda: | ||
| Average total assets | $506,276,670 | 1,399 |
| Average earning assets | $465,881,000 | 1,412 |
| Average equity | $107,328,000 | 766 |
| Average total loans | $308,672,670 | 1,535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 4,909 |
| Cost of funding earning assets | 0.8487% | 380 |
| Net interest margin | 2.5599% | 5,494 |
| Noninterest income to average assets | 0.1922% | 5,123 |
| Noninterest expense to average assets | 1.5008% | 5,632 |
| Loan and lease loss provision to assets | 0.1819% | 948 |
| Net operating income to assets | 0.6169% | 4,081 |
| Return on assets (ROA) | 0.6460% | 3,982 |
| Pretax return on assets | 0.9046% | 3,754 |
| Return on Equity (ROE) | 3.0698% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.0698% | 3,879 |
| Net charge-offs to loans | 0.3900% | 471 |
| Credit loss provision to net charge-offs | 77.4411% | 1,771 |
| Earnings coverage of net charge-offs (x) | 4.4512% | 2,386 |
| Efficiency ratio | 58.9441% | 4,596 |
| Assets per employee ($millions) | 12.0615% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,536 |
| Loan loss allowance to noncurrent loans | 21.5502% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 987 |
| Noncurrent loans to loans | 2.5878% | 589 |
| Net loans and leases to total assets | 60.5788% | 3,721 |
| Net loans and leases to deposits | 77.8643% | 2,990 |
| Net loans and leases to core deposits | 83.1539% | 2,982 |
| Total domestic deposits to total assets | 77.8005% | 4,990 |
| Equity capital to assets | 21.1778% | 165 |
| Core capital (leverage) ratio | 21.3737% | 152 |
| Tier 1 risk-based capital ratio | 43.0946% | 190 |
| Total risk-based capital ratio | 43.7850% | 194 |
| Memoranda: | ||
| Average total assets | $505,847,000 | 1,405 |
| Average earning assets | $465,167,500 | 1,420 |
| Average equity | $106,456,500 | 769 |
| Average total loans | $304,607,500 | 1,557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 5,086 |
| Cost of funding earning assets | 0.8719% | 341 |
| Net interest margin | 2.4743% | 5,598 |
| Noninterest income to average assets | 0.1652% | 5,387 |
| Noninterest expense to average assets | 1.5716% | 5,672 |
| Loan and lease loss provision to assets | 0.0673% | 3,021 |
| Net operating income to assets | 0.5750% | 4,324 |
| Return on assets (ROA) | 0.5750% | 4,427 |
| Pretax return on assets | 0.8084% | 4,164 |
| Return on Equity (ROE) | 2.7008% | 5,241 |
| Retained earnings to average equity (ytd only) | 2.7008% | 3,985 |
| Net charge-offs to loans | 0.0520% | 3,000 |
| Credit loss provision to net charge-offs | 212.6582% | 1,341 |
| Earnings coverage of net charge-offs (x) | 27.6519% | 1,505 |
| Efficiency ratio | 64.2179% | 3,906 |
| Assets per employee ($millions) | 11.4798% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 5,544 |
| Loan loss allowance to noncurrent loans | 21.4286% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 906 |
| Noncurrent loans to loans | 2.7757% | 530 |
| Net loans and leases to total assets | 59.1601% | 3,942 |
| Net loans and leases to deposits | 75.6948% | 3,353 |
| Net loans and leases to core deposits | 81.2293% | 3,288 |
| Total domestic deposits to total assets | 78.1561% | 4,954 |
| Equity capital to assets | 20.9122% | 178 |
| Core capital (leverage) ratio | 21.2399% | 161 |
| Tier 1 risk-based capital ratio | 43.1927% | 185 |
| Total risk-based capital ratio | 43.9186% | 189 |
| Memoranda: | ||
| Average total assets | $498,916,000 | 1,380 |
| Average earning assets | $460,161,400 | 1,383 |
| Average equity | $106,228,400 | 751 |
| Average total loans | $303,638,000 | 1,505 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 5,059 |
| Cost of funding earning assets | 0.8663% | 351 |
| Net interest margin | 2.5181% | 5,645 |
| Noninterest income to average assets | 0.1818% | 5,371 |
| Noninterest expense to average assets | 1.5347% | 5,733 |
| Loan and lease loss provision to assets | 0.0485% | 3,278 |
| Net operating income to assets | 0.6450% | 4,104 |
| Return on assets (ROA) | 0.6450% | 4,227 |
| Pretax return on assets | 0.9230% | 3,896 |
| Return on Equity (ROE) | 3.0156% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.0156% | 4,105 |
| Net charge-offs to loans | 0.0329% | 2,987 |
| Credit loss provision to net charge-offs | 241.3333% | 1,229 |
| Earnings coverage of net charge-offs (x) | 48.3188% | 1,103 |
| Efficiency ratio | 61.2365% | 4,347 |
| Assets per employee ($millions) | 11.9072% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 5,648 |
| Loan loss allowance to noncurrent loans | 28.7293% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 1,537 |
| Noncurrent loans to loans | 1.9710% | 1,007 |
| Net loans and leases to total assets | 60.2524% | 3,841 |
| Net loans and leases to deposits | 77.8468% | 3,197 |
| Net loans and leases to core deposits | 83.5637% | 3,169 |
| Total domestic deposits to total assets | 77.3987% | 5,013 |
| Equity capital to assets | 21.6259% | 176 |
| Core capital (leverage) ratio | 21.3203% | 156 |
| Tier 1 risk-based capital ratio | 42.3096% | 200 |
| Total risk-based capital ratio | 42.9951% | 202 |
| Memoranda: | ||
| Average total assets | $497,367,250 | 1,391 |
| Average earning assets | $459,125,000 | 1,393 |
| Average equity | $106,378,000 | 751 |
| Average total loans | $304,394,500 | 1,504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,045 |
| Cost of funding earning assets | 0.8586% | 361 |
| Net interest margin | 2.5565% | 5,704 |
| Noninterest income to average assets | 0.1611% | 5,514 |
| Noninterest expense to average assets | 1.5079% | 5,830 |
| Loan and lease loss provision to assets | 0.0379% | 3,399 |
| Net operating income to assets | 0.6663% | 3,972 |
| Return on assets (ROA) | 0.6663% | 4,111 |
| Pretax return on assets | 0.9749% | 3,677 |
| Return on Equity (ROE) | 3.1270% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.1270% | 3,914 |
| Net charge-offs to loans | 0.0453% | 2,565 |
| Credit loss provision to net charge-offs | 136.2319% | 1,714 |
| Earnings coverage of net charge-offs (x) | 36.4348% | 1,227 |
| Efficiency ratio | 59.8210% | 4,664 |
| Assets per employee ($millions) | 11.6177% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5423% | 5,752 |
| Loan loss allowance to noncurrent loans | 41.6985% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 2,446 |
| Noncurrent loans to loans | 1.3006% | 1,740 |
| Net loans and leases to total assets | 60.0192% | 3,884 |
| Net loans and leases to deposits | 77.3634% | 3,224 |
| Net loans and leases to core deposits | 82.9716% | 3,171 |
| Total domestic deposits to total assets | 77.5809% | 5,069 |
| Equity capital to assets | 21.4805% | 169 |
| Core capital (leverage) ratio | 21.3014% | 153 |
| Tier 1 risk-based capital ratio | 42.2978% | 204 |
| Total risk-based capital ratio | 42.9557% | 207 |
| Memoranda: | ||
| Average total assets | $496,455,330 | 1,396 |
| Average earning assets | $458,198,000 | 1,396 |
| Average equity | $105,786,670 | 755 |
| Average total loans | $304,846,000 | 1,507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 5,104 |
| Cost of funding earning assets | 0.8533% | 384 |
| Net interest margin | 2.5581% | 5,760 |
| Noninterest income to average assets | 0.1172% | 5,760 |
| Noninterest expense to average assets | 1.5284% | 5,885 |
| Loan and lease loss provision to assets | 0.0170% | 3,467 |
| Net operating income to assets | 0.6272% | 4,070 |
| Return on assets (ROA) | 0.6272% | 4,186 |
| Pretax return on assets | 0.9319% | 3,719 |
| Return on Equity (ROE) | 2.9555% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.9555% | 4,035 |
| Net charge-offs to loans | 0.0796% | 1,691 |
| Credit loss provision to net charge-offs | 34.4262% | 2,185 |
| Earnings coverage of net charge-offs (x) | 19.2459% | 1,513 |
| Efficiency ratio | 61.6966% | 4,488 |
| Assets per employee ($millions) | 11.7946% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 5,849 |
| Loan loss allowance to noncurrent loans | 37.2303% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 2,516 |
| Noncurrent loans to loans | 1.3877% | 1,720 |
| Net loans and leases to total assets | 61.0287% | 3,647 |
| Net loans and leases to deposits | 78.5586% | 2,945 |
| Net loans and leases to core deposits | 84.1670% | 2,922 |
| Total domestic deposits to total assets | 77.6856% | 5,194 |
| Equity capital to assets | 21.3394% | 169 |
| Core capital (leverage) ratio | 21.2311% | 158 |
| Tier 1 risk-based capital ratio | 41.9387% | 208 |
| Total risk-based capital ratio | 42.5705% | 216 |
| Memoranda: | ||
| Average total assets | $494,903,000 | 1,397 |
| Average earning assets | $456,594,000 | 1,400 |
| Average equity | $105,026,000 | 764 |
| Average total loans | $306,535,500 | 1,496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 5,074 |
| Cost of funding earning assets | 0.8438% | 386 |
| Net interest margin | 2.5951% | 5,759 |
| Noninterest income to average assets | 0.1441% | 5,693 |
| Noninterest expense to average assets | 1.7102% | 5,832 |
| Loan and lease loss provision to assets | 0.1002% | 2,311 |
| Net operating income to assets | 0.5022% | 4,685 |
| Return on assets (ROA) | 0.5022% | 4,778 |
| Pretax return on assets | 0.7279% | 4,444 |
| Return on Equity (ROE) | 2.4018% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.4018% | 4,348 |
| Net charge-offs to loans | 0.0167% | 3,948 |
| Credit loss provision to net charge-offs | 951.9231% | 363 |
| Earnings coverage of net charge-offs (x) | 78.6731% | 712 |
| Efficiency ratio | 67.3764% | 3,679 |
| Assets per employee ($millions) | 11.2371% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 5,906 |
| Loan loss allowance to noncurrent loans | 34.3503% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 2,301 |
| Noncurrent loans to loans | 1.5159% | 1,534 |
| Net loans and leases to total assets | 62.2069% | 3,530 |
| Net loans and leases to deposits | 79.7123% | 2,852 |
| Net loans and leases to core deposits | 85.4603% | 2,831 |
| Total domestic deposits to total assets | 78.0392% | 5,153 |
| Equity capital to assets | 21.1035% | 175 |
| Core capital (leverage) ratio | 21.2045% | 154 |
| Tier 1 risk-based capital ratio | 41.3727% | 210 |
| Total risk-based capital ratio | 42.0171% | 217 |
| Memoranda: | ||
| Average total assets | $494,038,600 | 1,364 |
| Average earning assets | $455,785,800 | 1,359 |
| Average equity | $103,298,800 | 750 |
| Average total loans | $312,147,200 | 1,416 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,099 |
| Cost of funding earning assets | 0.8380% | 405 |
| Net interest margin | 2.6116% | 5,827 |
| Noninterest income to average assets | 0.1628% | 5,668 |
| Noninterest expense to average assets | 1.6277% | 5,964 |
| Loan and lease loss provision to assets | 0.1234% | 1,845 |
| Net operating income to assets | 0.5542% | 4,577 |
| Return on assets (ROA) | 0.5542% | 4,671 |
| Pretax return on assets | 0.8211% | 4,273 |
| Return on Equity (ROE) | 2.6566% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.6566% | 4,523 |
| Net charge-offs to loans | 0.0136% | 3,695 |
| Credit loss provision to net charge-offs | 1,428.1250% | 256 |
| Earnings coverage of net charge-offs (x) | 109.3326% | 579 |
| Efficiency ratio | 63.2805% | 4,366 |
| Assets per employee ($millions) | 11.7053% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5151% | 6,005 |
| Loan loss allowance to noncurrent loans | 41.4844% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 2,939 |
| Noncurrent loans to loans | 1.2417% | 2,060 |
| Net loans and leases to total assets | 62.5803% | 3,524 |
| Net loans and leases to deposits | 80.3365% | 2,846 |
| Net loans and leases to core deposits | 86.1648% | 2,837 |
| Total domestic deposits to total assets | 77.8977% | 5,202 |
| Equity capital to assets | 21.2341% | 184 |
| Core capital (leverage) ratio | 21.0384% | 169 |
| Tier 1 risk-based capital ratio | 42.7577% | 214 |
| Total risk-based capital ratio | 43.4194% | 221 |
| Memoranda: | ||
| Average total assets | $493,940,500 | 1,368 |
| Average earning assets | $455,702,500 | 1,365 |
| Average equity | $103,038,000 | 756 |
| Average total loans | $312,889,000 | 1,420 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4520% | 5,099 |
| Cost of funding earning assets | 0.8284% | 433 |
| Net interest margin | 2.6236% | 5,858 |
| Noninterest income to average assets | 0.1686% | 5,693 |
| Noninterest expense to average assets | 1.6515% | 6,014 |
| Loan and lease loss provision to assets | 0.1779% | 1,159 |
| Net operating income to assets | 0.5203% | 4,682 |
| Return on assets (ROA) | 0.5203% | 4,785 |
| Pretax return on assets | 0.7604% | 4,454 |
| Return on Equity (ROE) | 2.5091% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.5091% | 4,455 |
| Net charge-offs to loans | 0.0204% | 3,277 |
| Credit loss provision to net charge-offs | 1,375.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 72.5313% | 761 |
| Efficiency ratio | 63.7683% | 4,394 |
| Assets per employee ($millions) | 11.2465% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5104% | 6,080 |
| Loan loss allowance to noncurrent loans | 49.2962% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 3,482 |
| Noncurrent loans to loans | 1.0354% | 2,575 |
| Net loans and leases to total assets | 62.0803% | 3,536 |
| Net loans and leases to deposits | 79.2140% | 2,881 |
| Net loans and leases to core deposits | 84.6615% | 2,915 |
| Total domestic deposits to total assets | 78.3704% | 5,206 |
| Equity capital to assets | 20.8317% | 190 |
| Core capital (leverage) ratio | 20.8565% | 173 |
| Tier 1 risk-based capital ratio | 42.5032% | 227 |
| Total risk-based capital ratio | 43.1584% | 230 |
| Memoranda: | ||
| Average total assets | $494,712,670 | 1,371 |
| Average earning assets | $456,544,000 | 1,368 |
| Average equity | $102,586,670 | 761 |
| Average total loans | $314,101,000 | 1,420 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 5,008 |
| Cost of funding earning assets | 0.8194% | 449 |
| Net interest margin | 2.6677% | 5,842 |
| Noninterest income to average assets | 0.1407% | 5,907 |
| Noninterest expense to average assets | 1.6650% | 6,046 |
| Loan and lease loss provision to assets | 0.2952% | 499 |
| Net operating income to assets | 0.4496% | 4,875 |
| Return on assets (ROA) | 0.4496% | 4,991 |
| Pretax return on assets | 0.6421% | 4,790 |
| Return on Equity (ROE) | 2.1732% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.1732% | 4,594 |
| Net charge-offs to loans | 0.0013% | 3,263 |
| Credit loss provision to net charge-offs | 36,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 1,159.0000% | 32 |
| Efficiency ratio | 63.9838% | 4,486 |
| Assets per employee ($millions) | 10.7846% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 6,178 |
| Loan loss allowance to noncurrent loans | 57.9644% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 3,864 |
| Noncurrent loans to loans | 0.8422% | 3,140 |
| Net loans and leases to total assets | 62.9514% | 3,244 |
| Net loans and leases to deposits | 80.2016% | 2,539 |
| Net loans and leases to core deposits | 85.4482% | 2,605 |
| Total domestic deposits to total assets | 78.4915% | 5,354 |
| Equity capital to assets | 20.7304% | 196 |
| Core capital (leverage) ratio | 20.7327% | 180 |
| Tier 1 risk-based capital ratio | 42.5726% | 224 |
| Total risk-based capital ratio | 43.2148% | 229 |
| Memoranda: | ||
| Average total assets | $494,646,000 | 1,376 |
| Average earning assets | $456,418,000 | 1,375 |
| Average equity | $102,337,500 | 763 |
| Average total loans | $316,762,500 | 1,413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 5,352 |
| Cost of funding earning assets | 0.8700% | 462 |
| Net interest margin | 2.6138% | 6,050 |
| Noninterest income to average assets | 0.2140% | 5,574 |
| Noninterest expense to average assets | 2.0151% | 5,736 |
| Loan and lease loss provision to assets | -0.0166% | 5,932 |
| Net operating income to assets | 0.4937% | 4,835 |
| Return on assets (ROA) | 0.4915% | 4,932 |
| Pretax return on assets | 0.6330% | 4,827 |
| Return on Equity (ROE) | 2.4652% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.4652% | 4,474 |
| Net charge-offs to loans | 0.0549% | 3,732 |
| Credit loss provision to net charge-offs | -47.4576% | 5,416 |
| Earnings coverage of net charge-offs (x) | 17.6554% | 1,908 |
| Efficiency ratio | 76.4967% | 2,440 |
| Assets per employee ($millions) | 10.4936% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 6,341 |
| Loan loss allowance to noncurrent loans | 38.4084% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6277% | 3,700 |
| Noncurrent loans to loans | 0.9512% | 2,949 |
| Net loans and leases to total assets | 64.5839% | 3,127 |
| Net loans and leases to deposits | 82.1399% | 2,452 |
| Net loans and leases to core deposits | 87.2123% | 2,593 |
| Total domestic deposits to total assets | 78.6267% | 5,324 |
| Equity capital to assets | 20.6474% | 197 |
| Core capital (leverage) ratio | 20.4051% | 198 |
| Tier 1 risk-based capital ratio | 41.4601% | 218 |
| Total risk-based capital ratio | 41.9429% | 224 |
| Memoranda: | ||
| Average total assets | $504,751,400 | 1,322 |
| Average earning assets | $467,367,800 | 1,314 |
| Average equity | $100,639,000 | 730 |
| Average total loans | $322,352,200 | 1,351 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 5,468 |
| Cost of funding earning assets | 0.8833% | 463 |
| Net interest margin | 2.5782% | 6,154 |
| Noninterest income to average assets | 0.2571% | 5,380 |
| Noninterest expense to average assets | 1.8519% | 6,024 |
| Loan and lease loss provision to assets | -0.0047% | 6,073 |
| Net operating income to assets | 0.6127% | 4,384 |
| Return on assets (ROA) | 0.6099% | 4,492 |
| Pretax return on assets | 0.7958% | 4,379 |
| Return on Equity (ROE) | 3.0854% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.0854% | 4,423 |
| Net charge-offs to loans | 0.0355% | 3,778 |
| Credit loss provision to net charge-offs | -20.9302% | 5,281 |
| Earnings coverage of net charge-offs (x) | 35.1872% | 1,229 |
| Efficiency ratio | 69.9712% | 3,512 |
| Assets per employee ($millions) | 10.7318% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 6,399 |
| Loan loss allowance to noncurrent loans | 39.2296% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 3,582 |
| Noncurrent loans to loans | 1.0478% | 2,978 |
| Net loans and leases to total assets | 64.9779% | 3,032 |
| Net loans and leases to deposits | 82.5558% | 2,353 |
| Net loans and leases to core deposits | 87.5584% | 2,476 |
| Total domestic deposits to total assets | 78.7078% | 5,390 |
| Equity capital to assets | 20.5567% | 208 |
| Core capital (leverage) ratio | 20.3482% | 201 |
| Tier 1 risk-based capital ratio | 41.3980% | 219 |
| Total risk-based capital ratio | 41.9457% | 227 |
| Memoranda: | ||
| Average total assets | $507,639,250 | 1,333 |
| Average earning assets | $470,494,500 | 1,310 |
| Average equity | $100,340,500 | 730 |
| Average total loans | $323,016,250 | 1,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 5,567 |
| Cost of funding earning assets | 0.9005% | 431 |
| Net interest margin | 2.5254% | 6,245 |
| Noninterest income to average assets | 0.3334% | 4,757 |
| Noninterest expense to average assets | 1.7744% | 6,182 |
| Loan and lease loss provision to assets | -0.0265% | 6,256 |
| Net operating income to assets | 0.6766% | 3,958 |
| Return on assets (ROA) | 0.6734% | 4,069 |
| Pretax return on assets | 0.9252% | 3,783 |
| Return on Equity (ROE) | 3.4514% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.4514% | 4,004 |
| Net charge-offs to loans | 0.0328% | 3,550 |
| Credit loss provision to net charge-offs | -128.3019% | 5,303 |
| Earnings coverage of net charge-offs (x) | 43.6415% | 989 |
| Efficiency ratio | 66.2730% | 4,320 |
| Assets per employee ($millions) | 11.0784% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4060% | 6,486 |
| Loan loss allowance to noncurrent loans | 36.4473% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 3,630 |
| Noncurrent loans to loans | 1.1139% | 2,991 |
| Net loans and leases to total assets | 62.9166% | 3,249 |
| Net loans and leases to deposits | 79.1533% | 2,634 |
| Net loans and leases to core deposits | 83.6554% | 2,775 |
| Total domestic deposits to total assets | 79.4871% | 5,349 |
| Equity capital to assets | 19.8159% | 227 |
| Core capital (leverage) ratio | 19.6061% | 216 |
| Tier 1 risk-based capital ratio | 40.9287% | 221 |
| Total risk-based capital ratio | 41.4659% | 232 |
| Memoranda: | ||
| Average total assets | $512,297,330 | 1,319 |
| Average earning assets | $475,488,000 | 1,294 |
| Average equity | $99,960,330 | 726 |
| Average total loans | $323,322,670 | 1,345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,692 |
| Cost of funding earning assets | 0.9082% | 431 |
| Net interest margin | 2.4721% | 6,352 |
| Noninterest income to average assets | 0.1783% | 5,897 |
| Noninterest expense to average assets | 1.6681% | 6,375 |
| Loan and lease loss provision to assets | -0.1051% | 6,500 |
| Net operating income to assets | 0.6066% | 4,171 |
| Return on assets (ROA) | 0.6066% | 4,248 |
| Pretax return on assets | 0.9111% | 3,656 |
| Return on Equity (ROE) | 3.1333% | 5,420 |
| Retained earnings to average equity (ytd only) | 3.1333% | 4,243 |
| Net charge-offs to loans | 0.0444% | 2,763 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 1,079 |
| Efficiency ratio | 67.4221% | 4,291 |
| Assets per employee ($millions) | 11.1193% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3904% | 6,568 |
| Loan loss allowance to noncurrent loans | 28.2599% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 3,489 |
| Noncurrent loans to loans | 1.3813% | 2,718 |
| Net loans and leases to total assets | 62.7092% | 3,121 |
| Net loans and leases to deposits | 78.5695% | 2,476 |
| Net loans and leases to core deposits | 82.9400% | 2,649 |
| Total domestic deposits to total assets | 79.8137% | 5,523 |
| Equity capital to assets | 19.5219% | 234 |
| Core capital (leverage) ratio | 19.3477% | 233 |
| Tier 1 risk-based capital ratio | 40.6454% | 226 |
| Total risk-based capital ratio | 41.1637% | 234 |
| Memoranda: | ||
| Average total assets | $513,643,000 | 1,317 |
| Average earning assets | $477,008,500 | 1,296 |
| Average equity | $99,449,000 | 733 |
| Average total loans | $324,017,000 | 1,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 5,813 |
| Cost of funding earning assets | 0.9976% | 446 |
| Net interest margin | 2.4170% | 6,433 |
| Noninterest income to average assets | 0.1924% | 5,938 |
| Noninterest expense to average assets | 1.6460% | 6,487 |
| Loan and lease loss provision to assets | 0.0366% | 4,389 |
| Net operating income to assets | 0.5500% | 4,506 |
| Return on assets (ROA) | 0.5500% | 4,633 |
| Pretax return on assets | 0.7601% | 4,300 |
| Return on Equity (ROE) | 2.9654% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.9654% | 4,131 |
| Net charge-offs to loans | 0.0134% | 5,186 |
| Credit loss provision to net charge-offs | 428.8889% | 533 |
| Earnings coverage of net charge-offs (x) | 93.3111% | 483 |
| Efficiency ratio | 67.3839% | 4,310 |
| Assets per employee ($millions) | 10.9745% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4380% | 6,615 |
| Loan loss allowance to noncurrent loans | 28.1490% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 3,448 |
| Noncurrent loans to loans | 1.5560% | 2,562 |
| Net loans and leases to total assets | 62.9314% | 3,215 |
| Net loans and leases to deposits | 78.4611% | 2,664 |
| Net loans and leases to core deposits | 82.7517% | 2,807 |
| Total domestic deposits to total assets | 80.2071% | 5,395 |
| Equity capital to assets | 19.2024% | 251 |
| Core capital (leverage) ratio | 18.9053% | 243 |
| Tier 1 risk-based capital ratio | 39.7027% | 234 |
| Total risk-based capital ratio | 40.2862% | 241 |
| Memoranda: | ||
| Average total assets | $527,044,000 | 1,261 |
| Average earning assets | $490,687,000 | 1,246 |
| Average equity | $97,759,800 | 724 |
| Average total loans | $336,579,800 | 1,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 5,792 |
| Cost of funding earning assets | 1.0088% | 469 |
| Net interest margin | 2.4360% | 6,484 |
| Noninterest income to average assets | 0.1729% | 6,152 |
| Noninterest expense to average assets | 1.5808% | 6,570 |
| Loan and lease loss provision to assets | 0.0717% | 3,628 |
| Net operating income to assets | 0.5531% | 4,572 |
| Return on assets (ROA) | 0.5531% | 4,717 |
| Pretax return on assets | 0.7894% | 4,336 |
| Return on Equity (ROE) | 3.0076% | 5,603 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,524 |
| Net charge-offs to loans | 0.0755% | 3,867 |
| Credit loss provision to net charge-offs | 148.4375% | 1,588 |
| Earnings coverage of net charge-offs (x) | 17.8232% | 1,714 |
| Efficiency ratio | 64.7362% | 4,691 |
| Assets per employee ($millions) | 11.5285% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 6,711 |
| Loan loss allowance to noncurrent loans | 42.8126% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 4,519 |
| Noncurrent loans to loans | 0.9791% | 3,852 |
| Net loans and leases to total assets | 62.8697% | 3,188 |
| Net loans and leases to deposits | 78.1899% | 2,634 |
| Net loans and leases to core deposits | 82.7967% | 2,788 |
| Total domestic deposits to total assets | 80.4064% | 5,386 |
| Equity capital to assets | 18.9633% | 255 |
| Core capital (leverage) ratio | 18.6513% | 248 |
| Tier 1 risk-based capital ratio | 39.2544% | 251 |
| Total risk-based capital ratio | 39.8135% | 256 |
| Memoranda: | ||
| Average total assets | $529,855,000 | 1,269 |
| Average earning assets | $493,525,000 | 1,242 |
| Average equity | $97,438,250 | 731 |
| Average total loans | $339,217,750 | 1,261 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 5,777 |
| Cost of funding earning assets | 1.0166% | 503 |
| Net interest margin | 2.4406% | 6,513 |
| Noninterest income to average assets | 0.1706% | 6,191 |
| Noninterest expense to average assets | 1.4664% | 6,699 |
| Loan and lease loss provision to assets | 0.1177% | 2,855 |
| Net operating income to assets | 0.5799% | 4,406 |
| Return on assets (ROA) | 0.5799% | 4,580 |
| Pretax return on assets | 0.8614% | 4,062 |
| Return on Equity (ROE) | 3.1856% | 5,553 |
| Retained earnings to average equity (ytd only) | 3.1856% | 4,289 |
| Net charge-offs to loans | 0.0210% | 4,421 |
| Credit loss provision to net charge-offs | 872.2222% | 349 |
| Earnings coverage of net charge-offs (x) | 72.5556% | 617 |
| Efficiency ratio | 59.9632% | 5,491 |
| Assets per employee ($millions) | 11.8239% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4692% | 6,728 |
| Loan loss allowance to noncurrent loans | 39.2246% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 4,330 |
| Noncurrent loans to loans | 1.1963% | 3,559 |
| Net loans and leases to total assets | 62.1097% | 3,268 |
| Net loans and leases to deposits | 76.5766% | 2,788 |
| Net loans and leases to core deposits | 80.9174% | 2,922 |
| Total domestic deposits to total assets | 81.1079% | 5,312 |
| Equity capital to assets | 18.3267% | 294 |
| Core capital (leverage) ratio | 18.0106% | 287 |
| Tier 1 risk-based capital ratio | 38.2501% | 266 |
| Total risk-based capital ratio | 38.8740% | 270 |
| Memoranda: | ||
| Average total assets | $533,546,330 | 1,255 |
| Average earning assets | $497,338,330 | 1,234 |
| Average equity | $97,125,000 | 734 |
| Average total loans | $343,114,000 | 1,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 5,573 |
| Cost of funding earning assets | 1.0438% | 484 |
| Net interest margin | 2.5091% | 6,499 |
| Noninterest income to average assets | 0.1602% | 6,302 |
| Noninterest expense to average assets | 1.4779% | 6,762 |
| Loan and lease loss provision to assets | 0.1437% | 2,443 |
| Net operating income to assets | 0.5914% | 4,262 |
| Return on assets (ROA) | 0.5914% | 4,407 |
| Pretax return on assets | 0.8782% | 3,847 |
| Return on Equity (ROE) | 3.2600% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.2600% | 4,297 |
| Net charge-offs to loans | 0.0103% | 3,940 |
| Credit loss provision to net charge-offs | 2,133.3333% | 159 |
| Earnings coverage of net charge-offs (x) | 151.6667% | 265 |
| Efficiency ratio | 59.1195% | 5,704 |
| Assets per employee ($millions) | 12.1880% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4271% | 6,838 |
| Loan loss allowance to noncurrent loans | 54.5082% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 5,132 |
| Noncurrent loans to loans | 0.7836% | 4,553 |
| Net loans and leases to total assets | 63.5971% | 2,788 |
| Net loans and leases to deposits | 78.2047% | 2,310 |
| Net loans and leases to core deposits | 82.5849% | 2,503 |
| Total domestic deposits to total assets | 81.3213% | 5,412 |
| Equity capital to assets | 18.1480% | 319 |
| Core capital (leverage) ratio | 17.8086% | 295 |
| Tier 1 risk-based capital ratio | 37.6822% | 275 |
| Total risk-based capital ratio | 38.2619% | 286 |
| Memoranda: | ||
| Average total assets | $534,282,000 | 1,269 |
| Average earning assets | $498,186,000 | 1,244 |
| Average equity | $96,931,500 | 744 |
| Average total loans | $348,657,000 | 1,216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 4,748 |
| Cost of funding earning assets | 1.1404% | 769 |
| Net interest margin | 3.0159% | 6,018 |
| Noninterest income to average assets | 0.1659% | 6,204 |
| Noninterest expense to average assets | 1.5047% | 6,869 |
| Loan and lease loss provision to assets | 0.1384% | 3,879 |
| Net operating income to assets | 0.8850% | 2,891 |
| Return on assets (ROA) | 0.8850% | 3,133 |
| Pretax return on assets | 1.3394% | 2,259 |
| Return on Equity (ROE) | 4.9903% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.9903% | 2,713 |
| Net charge-offs to loans | 0.1205% | 4,482 |
| Credit loss provision to net charge-offs | 163.6971% | 1,643 |
| Earnings coverage of net charge-offs (x) | 17.4788% | 1,503 |
| Efficiency ratio | 50.4514% | 6,561 |
| Assets per employee ($millions) | 12.3789% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3608% | 6,918 |
| Loan loss allowance to noncurrent loans | 43.4045% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 5,093 |
| Noncurrent loans to loans | 0.8312% | 4,531 |
| Net loans and leases to total assets | 66.4142% | 2,466 |
| Net loans and leases to deposits | 81.6125% | 2,057 |
| Net loans and leases to core deposits | 86.2310% | 2,287 |
| Total domestic deposits to total assets | 81.3775% | 5,284 |
| Equity capital to assets | 18.1367% | 315 |
| Core capital (leverage) ratio | 17.8066% | 293 |
| Tier 1 risk-based capital ratio | 37.2252% | 286 |
| Total risk-based capital ratio | 37.7299% | 290 |
| Memoranda: | ||
| Average total assets | $531,064,400 | 1,256 |
| Average earning assets | $495,971,800 | 1,228 |
| Average equity | $94,181,800 | 750 |
| Average total loans | $372,510,800 | 1,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 4,233 |
| Cost of funding earning assets | 1.1499% | 867 |
| Net interest margin | 3.2038% | 5,691 |
| Noninterest income to average assets | 0.1643% | 6,322 |
| Noninterest expense to average assets | 1.4304% | 6,977 |
| Loan and lease loss provision to assets | 0.2123% | 2,944 |
| Net operating income to assets | 0.9845% | 2,589 |
| Return on assets (ROA) | 0.9845% | 2,817 |
| Pretax return on assets | 1.5150% | 1,829 |
| Return on Equity (ROE) | 5.5829% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,975 |
| Net charge-offs to loans | 0.1213% | 4,164 |
| Credit loss provision to net charge-offs | 246.3557% | 1,123 |
| Earnings coverage of net charge-offs (x) | 20.0467% | 1,465 |
| Efficiency ratio | 45.2983% | 6,853 |
| Assets per employee ($millions) | 12.2877% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4103% | 7,007 |
| Loan loss allowance to noncurrent loans | 30.3571% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 4,420 |
| Noncurrent loans to loans | 1.3517% | 3,766 |
| Net loans and leases to total assets | 68.7166% | 2,171 |
| Net loans and leases to deposits | 84.5124% | 1,803 |
| Net loans and leases to core deposits | 89.2344% | 2,081 |
| Total domestic deposits to total assets | 81.3095% | 5,259 |
| Equity capital to assets | 18.1305% | 351 |
| Core capital (leverage) ratio | 18.1187% | 294 |
| Tier 1 risk-based capital ratio | 37.0563% | 311 |
| Total risk-based capital ratio | 37.6354% | 314 |
| Memoranda: | ||
| Average total assets | $530,757,750 | 1,270 |
| Average earning assets | $495,894,250 | 1,240 |
| Average equity | $93,592,250 | 758 |
| Average total loans | $376,939,250 | 1,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 5,608 |
| Cost of funding earning assets | 1.1577% | 988 |
| Net interest margin | 2.8535% | 6,491 |
| Noninterest income to average assets | 0.1558% | 6,417 |
| Noninterest expense to average assets | 1.4335% | 7,043 |
| Loan and lease loss provision to assets | 0.2273% | 2,801 |
| Net operating income to assets | 0.7830% | 3,458 |
| Return on assets (ROA) | 0.7830% | 3,723 |
| Pretax return on assets | 1.1630% | 3,068 |
| Return on Equity (ROE) | 4.4821% | 5,046 |
| Retained earnings to average equity (ytd only) | 4.4821% | 3,619 |
| Net charge-offs to loans | 0.0698% | 4,452 |
| Credit loss provision to net charge-offs | 454.1353% | 657 |
| Earnings coverage of net charge-offs (x) | 27.7820% | 1,123 |
| Efficiency ratio | 50.7662% | 6,592 |
| Assets per employee ($millions) | 12.7478% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3910% | 7,086 |
| Loan loss allowance to noncurrent loans | 24.3801% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 4,026 |
| Noncurrent loans to loans | 1.6037% | 3,503 |
| Net loans and leases to total assets | 69.7084% | 1,970 |
| Net loans and leases to deposits | 85.0629% | 1,714 |
| Net loans and leases to core deposits | 89.3515% | 2,053 |
| Total domestic deposits to total assets | 81.9492% | 5,153 |
| Equity capital to assets | 17.5497% | 384 |
| Core capital (leverage) ratio | 17.5347% | 324 |
| Tier 1 risk-based capital ratio | 35.7324% | 321 |
| Total risk-based capital ratio | 36.2900% | 336 |
| Memoranda: | ||
| Average total assets | $531,553,670 | 1,273 |
| Average earning assets | $497,004,330 | 1,240 |
| Average equity | $92,857,670 | 757 |
| Average total loans | $381,061,000 | 1,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 5,571 |
| Cost of funding earning assets | 1.1832% | 1,056 |
| Net interest margin | 2.8791% | 6,514 |
| Noninterest income to average assets | 0.1420% | 6,527 |
| Noninterest expense to average assets | 1.4063% | 7,115 |
| Loan and lease loss provision to assets | 0.2266% | 2,680 |
| Net operating income to assets | 0.7771% | 3,493 |
| Return on assets (ROA) | 0.7771% | 3,732 |
| Pretax return on assets | 1.2016% | 2,907 |
| Return on Equity (ROE) | 4.4591% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.4591% | 3,914 |
| Net charge-offs to loans | 0.0687% | 3,799 |
| Credit loss provision to net charge-offs | 454.5455% | 709 |
| Earnings coverage of net charge-offs (x) | 28.6515% | 957 |
| Efficiency ratio | 49.6136% | 6,698 |
| Assets per employee ($millions) | 13.3345% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3214% | 7,166 |
| Loan loss allowance to noncurrent loans | 20.0196% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 4,154 |
| Noncurrent loans to loans | 1.6052% | 3,708 |
| Net loans and leases to total assets | 71.4134% | 1,500 |
| Net loans and leases to deposits | 87.0747% | 1,280 |
| Net loans and leases to core deposits | 91.3562% | 1,715 |
| Total domestic deposits to total assets | 82.0139% | 5,293 |
| Equity capital to assets | 17.4004% | 385 |
| Core capital (leverage) ratio | 17.4041% | 329 |
| Tier 1 risk-based capital ratio | 35.0772% | 334 |
| Total risk-based capital ratio | 35.5412% | 348 |
| Memoranda: | ||
| Average total assets | $529,627,500 | 1,279 |
| Average earning assets | $495,285,500 | 1,244 |
| Average equity | $92,305,500 | 756 |
| Average total loans | $384,247,500 | 1,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 5,448 |
| Cost of funding earning assets | 1.4343% | 908 |
| Net interest margin | 2.9598% | 6,590 |
| Noninterest income to average assets | 0.1372% | 6,466 |
| Noninterest expense to average assets | 1.4298% | 7,202 |
| Loan and lease loss provision to assets | 0.1859% | 4,332 |
| Net operating income to assets | 0.8560% | 2,788 |
| Return on assets (ROA) | 0.8560% | 2,943 |
| Pretax return on assets | 1.2941% | 2,156 |
| Return on Equity (ROE) | 5.0450% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.0450% | 2,608 |
| Net charge-offs to loans | 0.1507% | 4,935 |
| Credit loss provision to net charge-offs | 164.2140% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.0769% | 1,573 |
| Efficiency ratio | 49.1382% | 6,887 |
| Assets per employee ($millions) | 13.1469% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2573% | 7,238 |
| Loan loss allowance to noncurrent loans | 12.4546% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 3,675 |
| Noncurrent loans to loans | 2.0657% | 3,118 |
| Net loans and leases to total assets | 73.2813% | 1,391 |
| Net loans and leases to deposits | 89.2767% | 1,230 |
| Net loans and leases to core deposits | 93.6444% | 1,735 |
| Total domestic deposits to total assets | 82.0834% | 5,102 |
| Equity capital to assets | 17.4568% | 391 |
| Core capital (leverage) ratio | 17.3027% | 345 |
| Tier 1 risk-based capital ratio | 35.2729% | 328 |
| Total risk-based capital ratio | 35.6589% | 344 |
| Memoranda: | ||
| Average total assets | $528,381,200 | 1,264 |
| Average earning assets | $494,959,600 | 1,222 |
| Average equity | $89,653,400 | 754 |
| Average total loans | $396,934,800 | 1,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 5,511 |
| Cost of funding earning assets | 1.4936% | 888 |
| Net interest margin | 2.9334% | 6,700 |
| Noninterest income to average assets | 0.1336% | 6,586 |
| Noninterest expense to average assets | 1.3096% | 7,307 |
| Loan and lease loss provision to assets | 0.2047% | 3,976 |
| Net operating income to assets | 0.8834% | 2,806 |
| Return on assets (ROA) | 0.8834% | 2,960 |
| Pretax return on assets | 1.3681% | 2,051 |
| Return on Equity (ROE) | 5.2439% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.2439% | 3,030 |
| Net charge-offs to loans | 0.0354% | 5,648 |
| Credit loss provision to net charge-offs | 766.0377% | 351 |
| Earnings coverage of net charge-offs (x) | 58.8678% | 563 |
| Efficiency ratio | 45.4355% | 7,086 |
| Assets per employee ($millions) | 13.0881% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3325% | 7,273 |
| Loan loss allowance to noncurrent loans | 24.1468% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 4,676 |
| Noncurrent loans to loans | 1.3769% | 4,229 |
| Net loans and leases to total assets | 75.3568% | 1,083 |
| Net loans and leases to deposits | 91.7956% | 1,031 |
| Net loans and leases to core deposits | 96.5342% | 1,551 |
| Total domestic deposits to total assets | 82.0919% | 5,058 |
| Equity capital to assets | 17.3579% | 454 |
| Core capital (leverage) ratio | 17.2125% | 379 |
| Tier 1 risk-based capital ratio | 35.6499% | 327 |
| Total risk-based capital ratio | 36.1715% | 349 |
| Memoranda: | ||
| Average total assets | $529,007,500 | 1,269 |
| Average earning assets | $495,701,000 | 1,226 |
| Average equity | $89,116,500 | 760 |
| Average total loans | $399,577,750 | 1,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 5,582 |
| Cost of funding earning assets | 1.5163% | 952 |
| Net interest margin | 2.9168% | 6,756 |
| Noninterest income to average assets | 0.1386% | 6,634 |
| Noninterest expense to average assets | 1.2904% | 7,397 |
| Loan and lease loss provision to assets | 0.1978% | 3,952 |
| Net operating income to assets | 0.9005% | 2,635 |
| Return on assets (ROA) | 0.9005% | 2,748 |
| Pretax return on assets | 1.3842% | 1,843 |
| Return on Equity (ROE) | 5.3992% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.3992% | 2,737 |
| Net charge-offs to loans | 0.0339% | 5,378 |
| Credit loss provision to net charge-offs | 772.0588% | 427 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 530 |
| Efficiency ratio | 44.9239% | 7,205 |
| Assets per employee ($millions) | 12.8860% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2681% | 7,366 |
| Loan loss allowance to noncurrent loans | 21.8056% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 4,939 |
| Noncurrent loans to loans | 1.2293% | 4,606 |
| Net loans and leases to total assets | 75.3513% | 1,178 |
| Net loans and leases to deposits | 91.3100% | 1,129 |
| Net loans and leases to core deposits | 95.9272% | 1,689 |
| Total domestic deposits to total assets | 82.5225% | 4,979 |
| Equity capital to assets | 16.9892% | 483 |
| Core capital (leverage) ratio | 16.8597% | 417 |
| Tier 1 risk-based capital ratio | 34.1927% | 380 |
| Total risk-based capital ratio | 34.6041% | 397 |
| Memoranda: | ||
| Average total assets | $530,835,330 | 1,260 |
| Average earning assets | $497,538,330 | 1,225 |
| Average equity | $88,531,000 | 762 |
| Average total loans | $400,828,000 | 1,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 5,472 |
| Cost of funding earning assets | 1.5451% | 999 |
| Net interest margin | 2.9194% | 6,727 |
| Noninterest income to average assets | 0.1391% | 6,717 |
| Noninterest expense to average assets | 1.3321% | 7,441 |
| Loan and lease loss provision to assets | 0.2864% | 2,855 |
| Net operating income to assets | 0.8269% | 2,897 |
| Return on assets (ROA) | 0.8269% | 2,961 |
| Pretax return on assets | 1.2577% | 2,170 |
| Return on Equity (ROE) | 5.0047% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.0047% | 3,193 |
| Net charge-offs to loans | 0.0110% | 4,935 |
| Credit loss provision to net charge-offs | 3,463.6364% | 105 |
| Earnings coverage of net charge-offs (x) | 186.7273% | 169 |
| Efficiency ratio | 46.3147% | 7,193 |
| Assets per employee ($millions) | 12.8425% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2680% | 7,420 |
| Loan loss allowance to noncurrent loans | 22.9368% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 5,071 |
| Noncurrent loans to loans | 1.1684% | 4,748 |
| Net loans and leases to total assets | 75.6262% | 1,090 |
| Net loans and leases to deposits | 91.5394% | 1,063 |
| Net loans and leases to core deposits | 95.6816% | 1,695 |
| Total domestic deposits to total assets | 82.6160% | 5,058 |
| Equity capital to assets | 16.8017% | 463 |
| Core capital (leverage) ratio | 16.6720% | 421 |
| Tier 1 risk-based capital ratio | 34.2376% | 371 |
| Total risk-based capital ratio | 34.6556% | 387 |
| Memoranda: | ||
| Average total assets | $532,091,000 | 1,270 |
| Average earning assets | $498,874,000 | 1,234 |
| Average equity | $87,917,500 | 759 |
| Average total loans | $401,657,500 | 1,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 6,268 |
| Cost of funding earning assets | 2.3594% | 178 |
| Net interest margin | 2.1859% | 7,401 |
| Noninterest income to average assets | 0.1221% | 6,796 |
| Noninterest expense to average assets | 1.2642% | 7,530 |
| Loan and lease loss provision to assets | 0.0104% | 6,981 |
| Net operating income to assets | 0.6176% | 3,593 |
| Return on assets (ROA) | 0.6176% | 3,764 |
| Pretax return on assets | 0.9158% | 3,219 |
| Return on Equity (ROE) | 4.1572% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.1572% | 2,938 |
| Net charge-offs to loans | 0.0636% | 6,155 |
| Credit loss provision to net charge-offs | 22.0588% | 6,548 |
| Earnings coverage of net charge-offs (x) | 19.5735% | 1,051 |
| Efficiency ratio | 57.7158% | 6,373 |
| Assets per employee ($millions) | 12.8010% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1732% | 7,533 |
| Loan loss allowance to noncurrent loans | 14.3149% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 5,091 |
| Noncurrent loans to loans | 1.2103% | 4,706 |
| Net loans and leases to total assets | 75.0207% | 1,472 |
| Net loans and leases to deposits | 90.0349% | 1,515 |
| Net loans and leases to core deposits | 93.6356% | 2,305 |
| Total domestic deposits to total assets | 83.3240% | 4,672 |
| Equity capital to assets | 16.2501% | 550 |
| Core capital (leverage) ratio | 16.1471% | 489 |
| Tier 1 risk-based capital ratio | 33.2954% | 396 |
| Total risk-based capital ratio | 33.5642% | 413 |
| Memoranda: | ||
| Average total assets | $574,816,000 | 1,172 |
| Average earning assets | $543,901,200 | 1,115 |
| Average equity | $85,394,200 | 777 |
| Average total loans | $427,354,000 | 1,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 6,542 |
| Cost of funding earning assets | 2.4937% | 141 |
| Net interest margin | 2.0324% | 7,572 |
| Noninterest income to average assets | 0.1118% | 6,984 |
| Noninterest expense to average assets | 1.2406% | 7,654 |
| Loan and lease loss provision to assets | 0.0210% | 6,847 |
| Net operating income to assets | 0.5216% | 4,212 |
| Return on assets (ROA) | 0.5216% | 4,394 |
| Pretax return on assets | 0.7770% | 3,985 |
| Return on Equity (ROE) | 3.5884% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.5884% | 3,922 |
| Net charge-offs to loans | 0.0252% | 6,321 |
| Credit loss provision to net charge-offs | 112.1951% | 3,766 |
| Earnings coverage of net charge-offs (x) | 42.6344% | 650 |
| Efficiency ratio | 60.8554% | 5,815 |
| Assets per employee ($millions) | 13.9940% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2186% | 7,634 |
| Loan loss allowance to noncurrent loans | 25.1915% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 5,621 |
| Noncurrent loans to loans | 0.8677% | 5,488 |
| Net loans and leases to total assets | 71.5352% | 2,351 |
| Net loans and leases to deposits | 84.2282% | 2,665 |
| Net loans and leases to core deposits | 88.3780% | 3,323 |
| Total domestic deposits to total assets | 84.9303% | 3,650 |
| Equity capital to assets | 14.6495% | 981 |
| Core capital (leverage) ratio | 14.5438% | 813 |
| Tier 1 risk-based capital ratio | 31.0288% | 473 |
| Total risk-based capital ratio | 31.3635% | 495 |
| Memoranda: | ||
| Average total assets | $584,109,750 | 1,158 |
| Average earning assets | $553,758,000 | 1,098 |
| Average equity | $84,901,000 | 778 |
| Average total loans | $433,182,000 | 1,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 6,677 |
| Cost of funding earning assets | 2.5604% | 143 |
| Net interest margin | 1.9538% | 7,652 |
| Noninterest income to average assets | 0.1077% | 7,063 |
| Noninterest expense to average assets | 1.1772% | 7,739 |
| Loan and lease loss provision to assets | 0.0240% | 6,700 |
| Net operating income to assets | 0.4982% | 4,338 |
| Return on assets (ROA) | 0.4982% | 4,490 |
| Pretax return on assets | 0.7631% | 4,013 |
| Return on Equity (ROE) | 3.4367% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.4367% | 3,920 |
| Net charge-offs to loans | 0.0210% | 6,046 |
| Credit loss provision to net charge-offs | 152.1739% | 2,576 |
| Earnings coverage of net charge-offs (x) | 49.8696% | 593 |
| Efficiency ratio | 59.9301% | 6,059 |
| Assets per employee ($millions) | 14.1450% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2157% | 7,703 |
| Loan loss allowance to noncurrent loans | 19.6635% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 5,434 |
| Noncurrent loans to loans | 1.0970% | 5,125 |
| Net loans and leases to total assets | 72.8032% | 2,212 |
| Net loans and leases to deposits | 85.4243% | 2,613 |
| Net loans and leases to core deposits | 89.7180% | 3,311 |
| Total domestic deposits to total assets | 85.2254% | 3,506 |
| Equity capital to assets | 14.3529% | 1,048 |
| Core capital (leverage) ratio | 14.2506% | 863 |
| Tier 1 risk-based capital ratio | 30.5817% | 477 |
| Total risk-based capital ratio | 30.9199% | 511 |
| Memoranda: | ||
| Average total assets | $582,897,330 | 1,166 |
| Average earning assets | $553,888,670 | 1,102 |
| Average equity | $84,500,670 | 776 |
| Average total loans | $437,120,330 | 1,039 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 6,627 |
| Cost of funding earning assets | 2.6623% | 139 |
| Net interest margin | 1.9112% | 7,749 |
| Noninterest income to average assets | 0.1074% | 7,158 |
| Noninterest expense to average assets | 1.1730% | 7,836 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4150% | 4,771 |
| Return on assets (ROA) | 0.4150% | 4,917 |
| Pretax return on assets | 0.7483% | 4,069 |
| Return on Equity (ROE) | 2.8484% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.8484% | 4,420 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0530% | 5,993 |
| Assets per employee ($millions) | 14.0704% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2090% | 7,808 |
| Loan loss allowance to noncurrent loans | 14.7387% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 5,052 |
| Noncurrent loans to loans | 1.4182% | 4,609 |
| Net loans and leases to total assets | 73.5949% | 2,059 |
| Net loans and leases to deposits | 86.2878% | 2,533 |
| Net loans and leases to core deposits | 90.8163% | 3,255 |
| Total domestic deposits to total assets | 85.2901% | 3,516 |
| Equity capital to assets | 14.2847% | 1,070 |
| Core capital (leverage) ratio | 14.1848% | 915 |
| Tier 1 risk-based capital ratio | 30.2879% | 515 |
| Total risk-based capital ratio | 30.6175% | 544 |
| Memoranda: | ||
| Average total assets | $577,302,000 | 1,203 |
| Average earning assets | $547,940,500 | 1,143 |
| Average equity | $84,116,500 | 787 |
| Average total loans | $438,955,500 | 1,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 5,773 |
| Cost of funding earning assets | 3.1183% | 161 |
| Net interest margin | 2.0549% | 7,720 |
| Noninterest income to average assets | 0.1263% | 7,117 |
| Noninterest expense to average assets | 1.3103% | 7,869 |
| Loan and lease loss provision to assets | 0.0804% | 6,804 |
| Net operating income to assets | 0.4811% | 3,809 |
| Return on assets (ROA) | 0.4811% | 3,904 |
| Pretax return on assets | 0.6886% | 3,609 |
| Return on Equity (ROE) | 3.0223% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.0223% | 3,053 |
| Net charge-offs to loans | 0.0515% | 6,583 |
| Credit loss provision to net charge-offs | 181.3043% | 2,282 |
| Earnings coverage of net charge-offs (x) | 17.3391% | 1,197 |
| Efficiency ratio | 63.0159% | 5,965 |
| Assets per employee ($millions) | 13.4202% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2061% | 7,882 |
| Loan loss allowance to noncurrent loans | 20.2085% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 5,506 |
| Noncurrent loans to loans | 1.0197% | 5,273 |
| Net loans and leases to total assets | 78.2714% | 1,328 |
| Net loans and leases to deposits | 92.3219% | 1,845 |
| Net loans and leases to core deposits | 126.0946% | 1,506 |
| Total domestic deposits to total assets | 84.7810% | 3,665 |
| Equity capital to assets | 14.8704% | 937 |
| Core capital (leverage) ratio | 14.7534% | 832 |
| Tier 1 risk-based capital ratio | 30.5525% | 493 |
| Total risk-based capital ratio | 30.8877% | 529 |
| Memoranda: | ||
| Average total assets | $518,569,200 | 1,332 |
| Average earning assets | $492,863,200 | 1,278 |
| Average equity | $82,553,800 | 784 |
| Average total loans | $446,398,000 | 1,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 5,195 |
| Cost of funding earning assets | 3.2539% | 162 |
| Net interest margin | 2.0914% | 7,773 |
| Noninterest income to average assets | 0.1262% | 7,258 |
| Noninterest expense to average assets | 1.2760% | 7,970 |
| Loan and lease loss provision to assets | 0.0731% | 6,626 |
| Net operating income to assets | 0.5017% | 3,977 |
| Return on assets (ROA) | 0.5017% | 4,067 |
| Pretax return on assets | 0.7664% | 3,639 |
| Return on Equity (ROE) | 3.0950% | 4,752 |
| Retained earnings to average equity (ytd only) | 3.0950% | 3,594 |
| Net charge-offs to loans | 0.0447% | 6,283 |
| Credit loss provision to net charge-offs | 185.3333% | 2,457 |
| Earnings coverage of net charge-offs (x) | 21.2928% | 1,206 |
| Efficiency ratio | 60.3181% | 6,366 |
| Assets per employee ($millions) | 13.1051% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1911% | 7,985 |
| Loan loss allowance to noncurrent loans | 9.4962% | 7,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 3,657 |
| Noncurrent loans to loans | 2.0121% | 3,624 |
| Net loans and leases to total assets | 89.3679% | 142 |
| Net loans and leases to deposits | 107.8588% | 563 |
| Net loans and leases to core deposits | 144.7660% | 735 |
| Total domestic deposits to total assets | 82.8564% | 4,298 |
| Equity capital to assets | 16.7133% | 668 |
| Core capital (leverage) ratio | 16.5883% | 604 |
| Tier 1 risk-based capital ratio | 31.7648% | 480 |
| Total risk-based capital ratio | 32.0929% | 510 |
| Memoranda: | ||
| Average total assets | $507,299,250 | 1,378 |
| Average earning assets | $482,531,000 | 1,328 |
| Average equity | $82,238,000 | 794 |
| Average total loans | $447,475,750 | 1,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 5,386 |
| Cost of funding earning assets | 3.3327% | 185 |
| Net interest margin | 2.0200% | 7,853 |
| Noninterest income to average assets | 0.1234% | 7,360 |
| Noninterest expense to average assets | 1.3621% | 8,029 |
| Loan and lease loss provision to assets | 0.0631% | 6,580 |
| Net operating income to assets | 0.3985% | 4,518 |
| Return on assets (ROA) | 0.3985% | 4,627 |
| Pretax return on assets | 0.6223% | 4,263 |
| Return on Equity (ROE) | 2.4833% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.4833% | 3,955 |
| Net charge-offs to loans | 0.0621% | 5,627 |
| Credit loss provision to net charge-offs | 115.8273% | 4,000 |
| Earnings coverage of net charge-offs (x) | 12.5827% | 1,808 |
| Efficiency ratio | 66.5263% | 5,452 |
| Assets per employee ($millions) | 13.9549% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1673% | 8,081 |
| Loan loss allowance to noncurrent loans | 13.7861% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 4,876 |
| Noncurrent loans to loans | 1.2136% | 4,789 |
| Net loans and leases to total assets | 86.0983% | 367 |
| Net loans and leases to deposits | 102.9754% | 993 |
| Net loans and leases to core deposits | 137.2665% | 1,147 |
| Total domestic deposits to total assets | 83.6106% | 3,960 |
| Equity capital to assets | 15.9469% | 838 |
| Core capital (leverage) ratio | 15.8320% | 765 |
| Tier 1 risk-based capital ratio | 31.5925% | 516 |
| Total risk-based capital ratio | 31.8808% | 553 |
| Memoranda: | ||
| Average total assets | $510,401,000 | 1,384 |
| Average earning assets | $486,148,000 | 1,329 |
| Average equity | $81,907,000 | 803 |
| Average total loans | $448,001,330 | 1,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 5,280 |
| Cost of funding earning assets | 3.3456% | 235 |
| Net interest margin | 2.0821% | 7,858 |
| Noninterest income to average assets | 0.1269% | 7,384 |
| Noninterest expense to average assets | 1.1722% | 8,122 |
| Loan and lease loss provision to assets | 0.0213% | 6,631 |
| Net operating income to assets | 0.5817% | 4,097 |
| Return on assets (ROA) | 0.5817% | 4,290 |
| Pretax return on assets | 0.9183% | 3,646 |
| Return on Equity (ROE) | 3.6136% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.6136% | 3,884 |
| Net charge-offs to loans | 0.0534% | 4,721 |
| Credit loss provision to net charge-offs | 45.0000% | 4,752 |
| Earnings coverage of net charge-offs (x) | 19.8667% | 1,402 |
| Efficiency ratio | 55.5058% | 7,035 |
| Assets per employee ($millions) | 13.8226% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1543% | 8,135 |
| Loan loss allowance to noncurrent loans | 18.4168% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 5,182 |
| Noncurrent loans to loans | 0.8376% | 5,347 |
| Net loans and leases to total assets | 87.4542% | 305 |
| Net loans and leases to deposits | 104.7932% | 957 |
| Net loans and leases to core deposits | 138.9047% | 1,158 |
| Total domestic deposits to total assets | 83.4541% | 3,929 |
| Equity capital to assets | 16.0450% | 865 |
| Core capital (leverage) ratio | 15.9378% | 792 |
| Tier 1 risk-based capital ratio | 31.7184% | 544 |
| Total risk-based capital ratio | 31.9876% | 577 |
| Memoranda: | ||
| Average total assets | $507,435,000 | 1,401 |
| Average earning assets | $483,739,000 | 1,339 |
| Average equity | $81,691,000 | 803 |
| Average total loans | $449,352,500 | 1,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 7,406 |
| Cost of funding earning assets | 3.6210% | 355 |
| Net interest margin | 1.8240% | 8,125 |
| Noninterest income to average assets | 0.1678% | 7,221 |
| Noninterest expense to average assets | 1.1778% | 8,167 |
| Loan and lease loss provision to assets | 0.0322% | 7,005 |
| Net operating income to assets | 0.5077% | 4,692 |
| Return on assets (ROA) | 0.5077% | 4,543 |
| Pretax return on assets | 0.6988% | 4,401 |
| Return on Equity (ROE) | 3.1116% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.1116% | 3,218 |
| Net charge-offs to loans | 0.0059% | 6,885 |
| Credit loss provision to net charge-offs | 632.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 143.5600% | 319 |
| Efficiency ratio | 61.7051% | 6,009 |
| Assets per employee ($millions) | 13.2482% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1606% | 8,186 |
| Loan loss allowance to noncurrent loans | 24.2953% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 5,413 |
| Noncurrent loans to loans | 0.6611% | 5,383 |
| Net loans and leases to total assets | 89.3897% | 243 |
| Net loans and leases to deposits | 107.0674% | 1,038 |
| Net loans and leases to core deposits | 140.3264% | 1,246 |
| Total domestic deposits to total assets | 83.4892% | 3,577 |
| Equity capital to assets | 16.1535% | 903 |
| Core capital (leverage) ratio | 16.0418% | 815 |
| Tier 1 risk-based capital ratio | 31.6171% | 567 |
| Total risk-based capital ratio | 31.9009% | 594 |
| Memoranda: | ||
| Average total assets | $491,013,400 | 1,388 |
| Average earning assets | $468,650,400 | 1,323 |
| Average equity | $80,118,400 | 833 |
| Average total loans | $425,836,400 | 1,126 |