Home > Home Bank SB > Performance and Condition Ratios
Home Bank SB, 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 | 4.0493% | 3,883 |
| Cost of funding earning assets | 0.8963% | 3,526 |
| Net interest margin | 3.1530% | 2,975 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.1219% | 927 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4675% | 3,740 |
| Return on assets (ROA) | 0.4499% | 3,770 |
| Pretax return on assets | 0.4082% | 3,948 |
| Return on Equity (ROE) | 6.5100% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.5119% | 2,057 |
| Net charge-offs to loans | 0.0703% | 1,149 |
| Credit loss provision to net charge-offs | 159.5890% | 1,413 |
| Earnings coverage of net charge-offs (x) | 13.8973% | 2,094 |
| Efficiency ratio | 86.6504% | 529 |
| Assets per employee ($millions) | 5.2036% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 1,978 |
| Loan loss allowance to noncurrent loans | 308.5651% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 1,893 |
| Noncurrent loans to loans | 0.4074% | 1,764 |
| Net loans and leases to total assets | 49.8500% | 3,604 |
| Net loans and leases to deposits | 62.2830% | 3,390 |
| Net loans and leases to core deposits | 70.1013% | 3,304 |
| Total domestic deposits to total assets | 80.0400% | 3,455 |
| Equity capital to assets | 7.4435% | 3,749 |
| Core capital (leverage) ratio | 11.4640% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $421,859,000 | 1,946 |
| Average earning assets | $381,796,000 | 1,974 |
| Average equity | $29,146,600 | 2,307 |
| Average total loans | $207,721,000 | 2,238 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,882 |
| Cost of funding earning assets | 0.7628% | 3,627 |
| Net interest margin | 3.2196% | 2,871 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 3.1552% | 866 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5160% | 3,727 |
| Return on assets (ROA) | 0.4924% | 3,784 |
| Pretax return on assets | 0.4577% | 3,979 |
| Return on Equity (ROE) | 7.2700% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.2745% | 2,206 |
| Net charge-offs to loans | 0.0880% | 859 |
| Credit loss provision to net charge-offs | 120.0000% | 1,484 |
| Earnings coverage of net charge-offs (x) | 12.3778% | 2,071 |
| Efficiency ratio | 85.5500% | 531 |
| Assets per employee ($millions) | 5.0847% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 1,975 |
| Loan loss allowance to noncurrent loans | 169.3699% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 1,498 |
| Noncurrent loans to loans | 0.7541% | 1,102 |
| Net loans and leases to total assets | 50.3400% | 3,594 |
| Net loans and leases to deposits | 60.5839% | 3,471 |
| Net loans and leases to core deposits | 63.6056% | 3,551 |
| Total domestic deposits to total assets | 83.0800% | 3,002 |
| Equity capital to assets | 6.1244% | 3,946 |
| Core capital (leverage) ratio | 11.4836% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $418,047,250 | 1,961 |
| Average earning assets | $378,256,000 | 1,983 |
| Average equity | $28,299,250 | 2,335 |
| Average total loans | $204,481,500 | 2,257 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,924 |
| Cost of funding earning assets | 0.6610% | 3,599 |
| Net interest margin | 3.2080% | 2,969 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.1227% | 878 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5454% | 3,710 |
| Return on assets (ROA) | 0.5100% | 3,797 |
| Pretax return on assets | 0.4823% | 3,996 |
| Return on Equity (ROE) | 7.3000% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.3031% | 2,194 |
| Net charge-offs to loans | 0.0793% | 790 |
| Credit loss provision to net charge-offs | 61.2500% | 1,620 |
| Earnings coverage of net charge-offs (x) | 14.1500% | 1,880 |
| Efficiency ratio | 85.2316% | 533 |
| Assets per employee ($millions) | 5.6261% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 1,965 |
| Loan loss allowance to noncurrent loans | 190.9418% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,603 |
| Noncurrent loans to loans | 0.6764% | 1,106 |
| Net loans and leases to total assets | 48.1100% | 3,678 |
| Net loans and leases to deposits | 58.0372% | 3,532 |
| Net loans and leases to core deposits | 60.8120% | 3,586 |
| Total domestic deposits to total assets | 82.9000% | 3,068 |
| Equity capital to assets | 7.0342% | 3,778 |
| Core capital (leverage) ratio | 10.4151% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $418,415,667 | 1,957 |
| Average earning assets | $379,425,333 | 1,983 |
| Average equity | $29,220,667 | 2,294 |
| Average total loans | $201,780,333 | 2,278 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 3,885 |
| Cost of funding earning assets | 0.5595% | 3,504 |
| Net interest margin | 3.2257% | 3,054 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.1403% | 879 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5357% | 3,822 |
| Return on assets (ROA) | 0.5357% | 3,781 |
| Pretax return on assets | 0.5107% | 3,979 |
| Return on Equity (ROE) | 7.7000% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.6991% | 2,315 |
| Net charge-offs to loans | 0.0400% | 963 |
| Credit loss provision to net charge-offs | 70.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 1,344 |
| Efficiency ratio | 85.6956% | 521 |
| Assets per employee ($millions) | 5.7142% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,427 |
| Loan loss allowance to noncurrent loans | 179.1304% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,546 |
| Noncurrent loans to loans | 0.6834% | 1,110 |
| Net loans and leases to total assets | 47.1700% | 3,695 |
| Net loans and leases to deposits | 56.5343% | 3,540 |
| Net loans and leases to core deposits | 58.8925% | 3,589 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 7.3215% | 3,663 |
| Core capital (leverage) ratio | 11.2441% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $416,646,500 | 1,988 |
| Average earning assets | $378,214,000 | 2,005 |
| Average equity | $28,990,500 | 2,332 |
| Average total loans | $199,840,000 | 2,308 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 3,459 |
| Cost of funding earning assets | 0.2851% | 2,998 |
| Net interest margin | 3.0714% | 3,256 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.0034% | 964 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6054% | 3,869 |
| Return on assets (ROA) | 0.6023% | 3,830 |
| Pretax return on assets | 0.6248% | 3,988 |
| Return on Equity (ROE) | 7.3200% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.3198% | 2,096 |
| Net charge-offs to loans | 0.0739% | 907 |
| Credit loss provision to net charge-offs | 64.2336% | 1,754 |
| Earnings coverage of net charge-offs (x) | 19.5401% | 1,908 |
| Efficiency ratio | 82.2233% | 585 |
| Assets per employee ($millions) | 5.4726% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,127 |
| Loan loss allowance to noncurrent loans | 154.2004% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 1,306 |
| Noncurrent loans to loans | 0.8127% | 913 |
| Net loans and leases to total assets | 47.5700% | 3,697 |
| Net loans and leases to deposits | 55.9274% | 3,582 |
| Net loans and leases to core deposits | 57.1684% | 3,663 |
| Total domestic deposits to total assets | 85.0600% | 2,981 |
| Equity capital to assets | 6.5836% | 3,866 |
| Core capital (leverage) ratio | 11.6111% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $412,265,400 | 1,978 |
| Average earning assets | $375,693,800 | 2,002 |
| Average equity | $33,921,800 | 2,159 |
| Average total loans | $185,381,400 | 2,335 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 3,340 |
| Cost of funding earning assets | 0.2669% | 2,520 |
| Net interest margin | 2.9703% | 3,297 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 3.0044% | 901 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5385% | 3,995 |
| Return on assets (ROA) | 0.5343% | 3,945 |
| Pretax return on assets | 0.5395% | 4,088 |
| Return on Equity (ROE) | 6.1900% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.1865% | 2,683 |
| Net charge-offs to loans | 0.0709% | 798 |
| Credit loss provision to net charge-offs | 71.1340% | 1,450 |
| Earnings coverage of net charge-offs (x) | 18.0619% | 1,773 |
| Efficiency ratio | 84.1477% | 537 |
| Assets per employee ($millions) | 5.0582% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,926 |
| Loan loss allowance to noncurrent loans | 159.2097% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,400 |
| Noncurrent loans to loans | 0.8309% | 947 |
| Net loans and leases to total assets | 46.0500% | 3,756 |
| Net loans and leases to deposits | 53.9384% | 3,608 |
| Net loans and leases to core deposits | 55.2009% | 3,675 |
| Total domestic deposits to total assets | 85.3700% | 3,204 |
| Equity capital to assets | 5.7907% | 4,040 |
| Core capital (leverage) ratio | 11.0856% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $412,720,750 | 1,992 |
| Average earning assets | $376,696,250 | 2,020 |
| Average equity | $35,646,750 | 2,117 |
| Average total loans | $182,292,000 | 2,360 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0937% | 3,322 |
| Cost of funding earning assets | 0.2598% | 2,143 |
| Net interest margin | 2.8339% | 3,333 |
| Noninterest income to average assets | 0.9143% | 817 |
| Noninterest expense to average assets | 2.9619% | 890 |
| Loan and lease loss provision to assets | 0.0188% | 2,266 |
| Net operating income to assets | 0.5238% | 3,834 |
| Return on assets (ROA) | 0.5176% | 3,804 |
| Pretax return on assets | 0.5214% | 3,959 |
| Return on Equity (ROE) | 5.4131% | 3,729 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,550 |
| Net charge-offs to loans | 0.0677% | 751 |
| Credit loss provision to net charge-offs | 63.9344% | 1,447 |
| Earnings coverage of net charge-offs (x) | 18.6066% | 1,576 |
| Efficiency ratio | 84.4243% | 657 |
| Assets per employee ($millions) | 4.7724% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,890 |
| Loan loss allowance to noncurrent loans | 189.1994% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,715 |
| Noncurrent loans to loans | 0.7231% | 1,196 |
| Net loans and leases to total assets | 44.0024% | 3,834 |
| Net loans and leases to deposits | 52.1456% | 3,674 |
| Net loans and leases to core deposits | 53.3532% | 3,732 |
| Total domestic deposits to total assets | 84.3837% | 3,608 |
| Equity capital to assets | 7.3859% | 3,542 |
| Core capital (leverage) ratio | 11.3241% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,410,333 | 1,990 |
| Average earning assets | $380,257,333 | 2,019 |
| Average equity | $39,718,333 | 2,006 |
| Average total loans | $180,110,333 | 2,383 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9427% | 3,422 |
| Cost of funding earning assets | 0.2646% | 1,981 |
| Net interest margin | 2.6781% | 3,454 |
| Noninterest income to average assets | 0.9667% | 731 |
| Noninterest expense to average assets | 2.9318% | 908 |
| Loan and lease loss provision to assets | 0.0144% | 2,094 |
| Net operating income to assets | 0.4853% | 3,748 |
| Return on assets (ROA) | 0.4853% | 3,712 |
| Pretax return on assets | 0.4815% | 3,899 |
| Return on Equity (ROE) | 4.5655% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.5655% | 2,751 |
| Net charge-offs to loans | 0.0941% | 547 |
| Credit loss provision to net charge-offs | 35.7143% | 1,242 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,418 |
| Efficiency ratio | 85.5348% | 762 |
| Assets per employee ($millions) | 5.2497% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 1,916 |
| Loan loss allowance to noncurrent loans | 97.9616% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 980 |
| Noncurrent loans to loans | 1.4252% | 594 |
| Net loans and leases to total assets | 42.0251% | 3,878 |
| Net loans and leases to deposits | 50.4603% | 3,700 |
| Net loans and leases to core deposits | 51.7635% | 3,746 |
| Total domestic deposits to total assets | 83.2834% | 3,906 |
| Equity capital to assets | 9.3057% | 2,436 |
| Core capital (leverage) ratio | 11.0034% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5737% | 514 |
| Memoranda: | ||
| Average total assets | $417,900,500 | 1,986 |
| Average earning assets | $384,007,000 | 2,009 |
| Average equity | $44,420,500 | 1,910 |
| Average total loans | $178,613,500 | 2,390 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 3,760 |
| Cost of funding earning assets | 0.3428% | 2,003 |
| Net interest margin | 2.7181% | 3,842 |
| Noninterest income to average assets | 1.6626% | 412 |
| Noninterest expense to average assets | 3.1579% | 776 |
| Loan and lease loss provision to assets | 0.0139% | 2,806 |
| Net operating income to assets | 0.9186% | 2,975 |
| Return on assets (ROA) | 0.9150% | 3,048 |
| Pretax return on assets | 0.9776% | 3,322 |
| Return on Equity (ROE) | 7.5266% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.5266% | 1,711 |
| Net charge-offs to loans | 0.0137% | 2,053 |
| Credit loss provision to net charge-offs | 220.0000% | 1,253 |
| Earnings coverage of net charge-offs (x) | 157.1600% | 633 |
| Efficiency ratio | 76.0398% | 1,104 |
| Assets per employee ($millions) | 5.2636% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,853 |
| Loan loss allowance to noncurrent loans | 91.3232% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 974 |
| Noncurrent loans to loans | 1.5519% | 572 |
| Net loans and leases to total assets | 42.2550% | 3,966 |
| Net loans and leases to deposits | 52.9972% | 3,666 |
| Net loans and leases to core deposits | 54.5593% | 3,721 |
| Total domestic deposits to total assets | 79.7306% | 4,249 |
| Equity capital to assets | 11.9664% | 1,265 |
| Core capital (leverage) ratio | 11.4853% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,854,000 | 2,009 |
| Average earning assets | $361,757,200 | 2,034 |
| Average equity | $48,002,800 | 1,821 |
| Average total loans | $183,008,800 | 2,359 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 3,850 |
| Cost of funding earning assets | 0.3610% | 2,012 |
| Net interest margin | 2.7217% | 3,931 |
| Noninterest income to average assets | 1.7460% | 413 |
| Noninterest expense to average assets | 3.2301% | 681 |
| Loan and lease loss provision to assets | 0.0141% | 2,712 |
| Net operating income to assets | 0.9431% | 3,112 |
| Return on assets (ROA) | 0.9383% | 3,210 |
| Pretax return on assets | 0.9869% | 3,501 |
| Return on Equity (ROE) | 7.6863% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.6863% | 2,152 |
| Net charge-offs to loans | 0.0065% | 2,077 |
| Credit loss provision to net charge-offs | 455.5556% | 801 |
| Earnings coverage of net charge-offs (x) | 326.5556% | 414 |
| Efficiency ratio | 76.2563% | 1,021 |
| Assets per employee ($millions) | 5.0469% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,925 |
| Loan loss allowance to noncurrent loans | 355.6962% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,941 |
| Noncurrent loans to loans | 0.4003% | 2,359 |
| Net loans and leases to total assets | 43.3690% | 3,999 |
| Net loans and leases to deposits | 54.6606% | 3,679 |
| Net loans and leases to core deposits | 56.5263% | 3,731 |
| Total domestic deposits to total assets | 79.3424% | 4,313 |
| Equity capital to assets | 12.0555% | 1,374 |
| Core capital (leverage) ratio | 11.4086% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,611,750 | 2,046 |
| Average earning assets | $356,441,250 | 2,073 |
| Average equity | $47,563,750 | 1,859 |
| Average total loans | $184,203,000 | 2,393 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0899% | 3,889 |
| Cost of funding earning assets | 0.3725% | 2,111 |
| Net interest margin | 2.7174% | 3,947 |
| Noninterest income to average assets | 1.7012% | 433 |
| Noninterest expense to average assets | 3.2476% | 668 |
| Loan and lease loss provision to assets | 0.0145% | 2,662 |
| Net operating income to assets | 0.8600% | 3,336 |
| Return on assets (ROA) | 0.8532% | 3,432 |
| Pretax return on assets | 0.9187% | 3,618 |
| Return on Equity (ROE) | 6.9586% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.9586% | 2,445 |
| Net charge-offs to loans | -0.0182% | 3,953 |
| Credit loss provision to net charge-offs | -164.7059% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5530% | 948 |
| Assets per employee ($millions) | 4.9908% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,950 |
| Loan loss allowance to noncurrent loans | 112.2350% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 1,469 |
| Noncurrent loans to loans | 1.2533% | 946 |
| Net loans and leases to total assets | 44.6060% | 4,001 |
| Net loans and leases to deposits | 56.3984% | 3,685 |
| Net loans and leases to core deposits | 58.5420% | 3,724 |
| Total domestic deposits to total assets | 79.0909% | 4,333 |
| Equity capital to assets | 12.1716% | 1,285 |
| Core capital (leverage) ratio | 11.8032% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,899,333 | 2,057 |
| Average earning assets | $352,176,000 | 2,080 |
| Average equity | $47,193,667 | 1,861 |
| Average total loans | $186,393,667 | 2,380 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 3,952 |
| Cost of funding earning assets | 0.3861% | 2,208 |
| Net interest margin | 2.6797% | 4,007 |
| Noninterest income to average assets | 1.8119% | 438 |
| Noninterest expense to average assets | 3.2829% | 626 |
| Loan and lease loss provision to assets | 0.0138% | 2,603 |
| Net operating income to assets | 0.8791% | 3,184 |
| Return on assets (ROA) | 0.8800% | 3,260 |
| Pretax return on assets | 0.9637% | 3,470 |
| Return on Equity (ROE) | 7.1496% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.1496% | 2,532 |
| Net charge-offs to loans | -0.0655% | 4,493 |
| Credit loss provision to net charge-offs | -41.9355% | 2,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0761% | 1,032 |
| Assets per employee ($millions) | 4.6585% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,233 |
| Loan loss allowance to noncurrent loans | 98.3353% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 1,411 |
| Noncurrent loans to loans | 1.3664% | 932 |
| Net loans and leases to total assets | 48.2324% | 3,792 |
| Net loans and leases to deposits | 60.8320% | 3,428 |
| Net loans and leases to core deposits | 63.2637% | 3,478 |
| Total domestic deposits to total assets | 79.2880% | 4,297 |
| Equity capital to assets | 11.9152% | 1,330 |
| Core capital (leverage) ratio | 11.7664% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,715,500 | 2,072 |
| Average earning assets | $344,961,000 | 2,102 |
| Average equity | $46,492,000 | 1,872 |
| Average total loans | $189,271,500 | 2,358 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5571% | 3,913 |
| Cost of funding earning assets | 0.5143% | 2,856 |
| Net interest margin | 3.0427% | 3,773 |
| Noninterest income to average assets | 2.0383% | 321 |
| Noninterest expense to average assets | 3.6826% | 539 |
| Loan and lease loss provision to assets | 0.0691% | 3,517 |
| Net operating income to assets | 0.9356% | 2,537 |
| Return on assets (ROA) | 0.9921% | 2,466 |
| Pretax return on assets | 1.1213% | 2,615 |
| Return on Equity (ROE) | 7.8505% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.8505% | 1,097 |
| Net charge-offs to loans | -0.0364% | 4,597 |
| Credit loss provision to net charge-offs | -342.2535% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5767% | 1,165 |
| Assets per employee ($millions) | 4.4430% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,333 |
| Loan loss allowance to noncurrent loans | 224.0575% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 2,788 |
| Noncurrent loans to loans | 0.5878% | 2,231 |
| Net loans and leases to total assets | 50.7121% | 3,767 |
| Net loans and leases to deposits | 65.0339% | 3,358 |
| Net loans and leases to core deposits | 67.7757% | 3,428 |
| Total domestic deposits to total assets | 77.9780% | 4,320 |
| Equity capital to assets | 12.7214% | 1,220 |
| Core capital (leverage) ratio | 11.8595% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,464,800 | 2,041 |
| Average earning assets | $320,040,400 | 2,077 |
| Average equity | $44,417,800 | 1,865 |
| Average total loans | $195,302,200 | 2,282 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 3,872 |
| Cost of funding earning assets | 0.5412% | 2,983 |
| Net interest margin | 3.1250% | 3,679 |
| Noninterest income to average assets | 1.9623% | 326 |
| Noninterest expense to average assets | 3.6688% | 564 |
| Loan and lease loss provision to assets | 0.0807% | 3,302 |
| Net operating income to assets | 0.9383% | 2,571 |
| Return on assets (ROA) | 0.9333% | 2,717 |
| Pretax return on assets | 1.0532% | 2,894 |
| Return on Equity (ROE) | 7.3981% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.3981% | 1,536 |
| Net charge-offs to loans | -0.0197% | 4,418 |
| Credit loss provision to net charge-offs | -724.1379% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3122% | 1,181 |
| Assets per employee ($millions) | 4.5551% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,640 |
| Loan loss allowance to noncurrent loans | 147.7411% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,384 |
| Noncurrent loans to loans | 0.8151% | 1,791 |
| Net loans and leases to total assets | 54.4811% | 3,759 |
| Net loans and leases to deposits | 69.8292% | 3,326 |
| Net loans and leases to core deposits | 73.0330% | 3,393 |
| Total domestic deposits to total assets | 78.0204% | 4,200 |
| Equity capital to assets | 12.5358% | 1,406 |
| Core capital (leverage) ratio | 11.6057% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,138,000 | 2,039 |
| Average earning assets | $316,071,000 | 2,073 |
| Average equity | $43,794,000 | 1,873 |
| Average total loans | $196,750,750 | 2,261 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 3,894 |
| Cost of funding earning assets | 0.5871% | 3,032 |
| Net interest margin | 3.1993% | 3,673 |
| Noninterest income to average assets | 1.8279% | 331 |
| Noninterest expense to average assets | 3.6979% | 578 |
| Loan and lease loss provision to assets | 0.0961% | 3,071 |
| Net operating income to assets | 0.8524% | 2,860 |
| Return on assets (ROA) | 0.8448% | 2,996 |
| Pretax return on assets | 0.9380% | 3,207 |
| Return on Equity (ROE) | 6.6814% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.6814% | 1,785 |
| Net charge-offs to loans | -0.0328% | 4,572 |
| Credit loss provision to net charge-offs | -512.5000% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0222% | 1,056 |
| Assets per employee ($millions) | 4.5579% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,603 |
| Loan loss allowance to noncurrent loans | 104.0245% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6349% | 1,914 |
| Noncurrent loans to loans | 1.1362% | 1,383 |
| Net loans and leases to total assets | 55.2181% | 3,756 |
| Net loans and leases to deposits | 70.6536% | 3,371 |
| Net loans and leases to core deposits | 73.9225% | 3,469 |
| Total domestic deposits to total assets | 78.1532% | 4,172 |
| Equity capital to assets | 12.4493% | 1,403 |
| Core capital (leverage) ratio | 11.8294% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1239% | 891 |
| Memoranda: | ||
| Average total assets | $341,380,333 | 2,039 |
| Average earning assets | $310,697,667 | 2,069 |
| Average equity | $43,164,667 | 1,878 |
| Average total loans | $195,349,333 | 2,250 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 3,739 |
| Cost of funding earning assets | 0.6598% | 3,116 |
| Net interest margin | 3.3585% | 3,426 |
| Noninterest income to average assets | 1.3613% | 480 |
| Noninterest expense to average assets | 3.6936% | 704 |
| Loan and lease loss provision to assets | 0.1205% | 2,187 |
| Net operating income to assets | 0.5746% | 3,673 |
| Return on assets (ROA) | 0.5746% | 3,738 |
| Pretax return on assets | 0.6011% | 3,915 |
| Return on Equity (ROE) | 4.5071% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.5071% | 2,496 |
| Net charge-offs to loans | -0.1455% | 4,893 |
| Credit loss provision to net charge-offs | -142.8571% | 3,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6562% | 852 |
| Assets per employee ($millions) | 4.1255% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,575 |
| Loan loss allowance to noncurrent loans | 131.3233% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 2,342 |
| Noncurrent loans to loans | 0.9271% | 1,772 |
| Net loans and leases to total assets | 57.1057% | 3,745 |
| Net loans and leases to deposits | 73.8641% | 3,283 |
| Net loans and leases to core deposits | 77.5809% | 3,385 |
| Total domestic deposits to total assets | 77.3119% | 4,317 |
| Equity capital to assets | 12.8194% | 1,537 |
| Core capital (leverage) ratio | 12.2383% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0742% | 736 |
| Memoranda: | ||
| Average total assets | $332,032,500 | 2,032 |
| Average earning assets | $301,916,500 | 2,064 |
| Average equity | $42,333,500 | 1,902 |
| Average total loans | $192,421,500 | 2,237 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,783 |
| Cost of funding earning assets | 0.6633% | 3,339 |
| Net interest margin | 3.5501% | 3,289 |
| Noninterest income to average assets | 1.2515% | 604 |
| Noninterest expense to average assets | 3.7196% | 746 |
| Loan and lease loss provision to assets | 0.0294% | 3,425 |
| Net operating income to assets | 0.6592% | 3,990 |
| Return on assets (ROA) | 0.6704% | 4,026 |
| Pretax return on assets | 0.7469% | 4,092 |
| Return on Equity (ROE) | 5.2953% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.2953% | 2,274 |
| Net charge-offs to loans | 0.1369% | 1,414 |
| Credit loss provision to net charge-offs | 35.9073% | 3,236 |
| Earnings coverage of net charge-offs (x) | 9.3282% | 2,679 |
| Efficiency ratio | 82.9727% | 730 |
| Assets per employee ($millions) | 4.1237% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,753 |
| Loan loss allowance to noncurrent loans | 104.1031% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 1,945 |
| Noncurrent loans to loans | 1.0936% | 1,381 |
| Net loans and leases to total assets | 57.4361% | 3,811 |
| Net loans and leases to deposits | 74.3293% | 3,320 |
| Net loans and leases to core deposits | 78.2834% | 3,429 |
| Total domestic deposits to total assets | 77.2724% | 4,463 |
| Equity capital to assets | 12.6793% | 1,718 |
| Core capital (leverage) ratio | 12.0041% | 1,777 |
| Tier 1 risk-based capital ratio | 19.5437% | 1,402 |
| Total risk-based capital ratio | 20.6115% | 1,409 |
| Memoranda: | ||
| Average total assets | $316,511,400 | 2,059 |
| Average earning assets | $288,103,000 | 2,097 |
| Average equity | $40,073,400 | 1,930 |
| Average total loans | $189,186,400 | 2,241 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 3,736 |
| Cost of funding earning assets | 0.6440% | 3,482 |
| Net interest margin | 3.6300% | 3,172 |
| Noninterest income to average assets | 1.2330% | 600 |
| Noninterest expense to average assets | 3.7462% | 701 |
| Loan and lease loss provision to assets | 0.0162% | 3,584 |
| Net operating income to assets | 0.7003% | 4,011 |
| Return on assets (ROA) | 0.7157% | 4,032 |
| Pretax return on assets | 0.7902% | 4,143 |
| Return on Equity (ROE) | 5.6549% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.6549% | 2,532 |
| Net charge-offs to loans | 0.0580% | 1,994 |
| Credit loss provision to net charge-offs | 46.3415% | 2,816 |
| Earnings coverage of net charge-offs (x) | 22.5976% | 1,863 |
| Efficiency ratio | 82.6042% | 713 |
| Assets per employee ($millions) | 4.0715% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,648 |
| Loan loss allowance to noncurrent loans | 157.8082% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 2,527 |
| Noncurrent loans to loans | 0.7436% | 2,103 |
| Net loans and leases to total assets | 60.3266% | 3,648 |
| Net loans and leases to deposits | 75.4178% | 3,354 |
| Net loans and leases to core deposits | 79.7194% | 3,409 |
| Total domestic deposits to total assets | 79.9898% | 3,993 |
| Equity capital to assets | 12.9299% | 1,670 |
| Core capital (leverage) ratio | 12.3977% | 1,628 |
| Tier 1 risk-based capital ratio | 19.2752% | 1,512 |
| Total risk-based capital ratio | 20.3996% | 1,504 |
| Memoranda: | ||
| Average total assets | $313,164,500 | 2,097 |
| Average earning assets | $284,879,750 | 2,132 |
| Average equity | $39,634,500 | 1,959 |
| Average total loans | $188,567,250 | 2,272 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 3,707 |
| Cost of funding earning assets | 0.6217% | 3,540 |
| Net interest margin | 3.6555% | 3,088 |
| Noninterest income to average assets | 1.1297% | 661 |
| Noninterest expense to average assets | 3.7186% | 734 |
| Loan and lease loss provision to assets | 0.0052% | 3,624 |
| Net operating income to assets | 0.6765% | 4,079 |
| Return on assets (ROA) | 0.7005% | 4,064 |
| Pretax return on assets | 0.7560% | 4,203 |
| Return on Equity (ROE) | 5.5768% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,485 |
| Net charge-offs to loans | 0.0419% | 2,058 |
| Credit loss provision to net charge-offs | 20.5128% | 2,652 |
| Earnings coverage of net charge-offs (x) | 29.2308% | 1,493 |
| Efficiency ratio | 83.5022% | 693 |
| Assets per employee ($millions) | 3.8317% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,318 |
| Loan loss allowance to noncurrent loans | 178.2308% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 2,854 |
| Noncurrent loans to loans | 0.6942% | 2,236 |
| Net loans and leases to total assets | 58.8683% | 3,834 |
| Net loans and leases to deposits | 72.2680% | 3,666 |
| Net loans and leases to core deposits | 76.3397% | 3,699 |
| Total domestic deposits to total assets | 81.4584% | 3,678 |
| Equity capital to assets | 12.8821% | 1,647 |
| Core capital (leverage) ratio | 12.3499% | 1,609 |
| Tier 1 risk-based capital ratio | 19.4530% | 1,446 |
| Total risk-based capital ratio | 20.6117% | 1,437 |
| Memoranda: | ||
| Average total assets | $310,335,670 | 2,116 |
| Average earning assets | $282,151,000 | 2,153 |
| Average equity | $38,983,000 | 1,979 |
| Average total loans | $185,974,670 | 2,292 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,799 |
| Cost of funding earning assets | 0.5749% | 3,704 |
| Net interest margin | 3.6480% | 3,079 |
| Noninterest income to average assets | 0.9740% | 872 |
| Noninterest expense to average assets | 3.7029% | 751 |
| Loan and lease loss provision to assets | 0.0117% | 3,284 |
| Net operating income to assets | 0.5482% | 4,383 |
| Return on assets (ROA) | 0.6148% | 4,233 |
| Pretax return on assets | 0.6459% | 4,428 |
| Return on Equity (ROE) | 4.9585% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.9585% | 2,922 |
| Net charge-offs to loans | 0.0237% | 1,973 |
| Credit loss provision to net charge-offs | 81.8182% | 1,772 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 1,136 |
| Efficiency ratio | 86.3059% | 561 |
| Assets per employee ($millions) | 4.0127% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,258 |
| Loan loss allowance to noncurrent loans | 55.0834% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 951 |
| Noncurrent loans to loans | 2.2931% | 599 |
| Net loans and leases to total assets | 57.8495% | 3,904 |
| Net loans and leases to deposits | 71.7493% | 3,620 |
| Net loans and leases to core deposits | 75.3436% | 3,705 |
| Total domestic deposits to total assets | 80.6272% | 4,044 |
| Equity capital to assets | 12.2511% | 1,876 |
| Core capital (leverage) ratio | 12.6293% | 1,442 |
| Tier 1 risk-based capital ratio | 19.3414% | 1,476 |
| Total risk-based capital ratio | 20.5266% | 1,456 |
| Memoranda: | ||
| Average total assets | $308,405,500 | 2,141 |
| Average earning assets | $280,375,000 | 2,177 |
| Average equity | $38,237,000 | 2,004 |
| Average total loans | $185,322,500 | 2,316 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 3,532 |
| Cost of funding earning assets | 0.5201% | 3,225 |
| Net interest margin | 3.6484% | 3,231 |
| Noninterest income to average assets | 1.3572% | 496 |
| Noninterest expense to average assets | 3.9203% | 590 |
| Loan and lease loss provision to assets | 0.0397% | 3,402 |
| Net operating income to assets | 0.6821% | 4,192 |
| Return on assets (ROA) | 0.6786% | 4,213 |
| Pretax return on assets | 0.6876% | 4,442 |
| Return on Equity (ROE) | 5.3982% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3982% | 2,538 |
| Net charge-offs to loans | 0.0044% | 3,568 |
| Credit loss provision to net charge-offs | 1,437.5000% | 294 |
| Earnings coverage of net charge-offs (x) | 264.7500% | 364 |
| Efficiency ratio | 84.2890% | 637 |
| Assets per employee ($millions) | 3.6561% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,188 |
| Loan loss allowance to noncurrent loans | 60.8549% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 994 |
| Noncurrent loans to loans | 2.0875% | 636 |
| Net loans and leases to total assets | 60.8941% | 3,676 |
| Net loans and leases to deposits | 76.1323% | 3,341 |
| Net loans and leases to core deposits | 79.7838% | 3,447 |
| Total domestic deposits to total assets | 79.9846% | 4,110 |
| Equity capital to assets | 12.5539% | 1,556 |
| Core capital (leverage) ratio | 13.1307% | 1,195 |
| Tier 1 risk-based capital ratio | 19.2142% | 1,475 |
| Total risk-based capital ratio | 20.4078% | 1,449 |
| Memoranda: | ||
| Average total assets | $289,851,200 | 2,209 |
| Average earning assets | $261,674,600 | 2,254 |
| Average equity | $36,438,000 | 2,010 |
| Average total loans | $183,518,400 | 2,308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,605 |
| Cost of funding earning assets | 0.5083% | 3,139 |
| Net interest margin | 3.6008% | 3,360 |
| Noninterest income to average assets | 1.4026% | 486 |
| Noninterest expense to average assets | 3.9549% | 555 |
| Loan and lease loss provision to assets | 0.0534% | 2,908 |
| Net operating income to assets | 0.6421% | 4,389 |
| Return on assets (ROA) | 0.6375% | 4,412 |
| Pretax return on assets | 0.6370% | 4,666 |
| Return on Equity (ROE) | 5.0693% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.0693% | 3,198 |
| Net charge-offs to loans | 0.0269% | 2,570 |
| Credit loss provision to net charge-offs | 310.8108% | 999 |
| Earnings coverage of net charge-offs (x) | 40.4881% | 1,345 |
| Efficiency ratio | 85.0529% | 575 |
| Assets per employee ($millions) | 3.6344% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,402 |
| Loan loss allowance to noncurrent loans | 45.6676% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7808% | 660 |
| Noncurrent loans to loans | 2.7171% | 447 |
| Net loans and leases to total assets | 64.2841% | 3,391 |
| Net loans and leases to deposits | 80.9652% | 2,932 |
| Net loans and leases to core deposits | 84.8032% | 3,093 |
| Total domestic deposits to total assets | 79.3972% | 4,234 |
| Equity capital to assets | 12.6548% | 1,491 |
| Core capital (leverage) ratio | 13.0521% | 1,258 |
| Tier 1 risk-based capital ratio | 18.5723% | 1,642 |
| Total risk-based capital ratio | 19.7295% | 1,635 |
| Memoranda: | ||
| Average total assets | $287,363,000 | 2,236 |
| Average earning assets | $259,155,750 | 2,282 |
| Average equity | $36,138,250 | 2,027 |
| Average total loans | $183,170,000 | 2,322 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 3,683 |
| Cost of funding earning assets | 0.5038% | 2,982 |
| Net interest margin | 3.5274% | 3,543 |
| Noninterest income to average assets | 1.4458% | 455 |
| Noninterest expense to average assets | 3.9472% | 576 |
| Loan and lease loss provision to assets | 0.0411% | 3,088 |
| Net operating income to assets | 0.6276% | 4,413 |
| Return on assets (ROA) | 0.6186% | 4,445 |
| Pretax return on assets | 0.6297% | 4,683 |
| Return on Equity (ROE) | 4.9289% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9289% | 3,112 |
| Net charge-offs to loans | 0.0022% | 3,127 |
| Credit loss provision to net charge-offs | 2,950.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 488.5000% | 182 |
| Efficiency ratio | 85.3083% | 611 |
| Assets per employee ($millions) | 3.4370% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,550 |
| Loan loss allowance to noncurrent loans | 43.3887% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.8121% | 641 |
| Noncurrent loans to loans | 2.8367% | 416 |
| Net loans and leases to total assets | 63.0948% | 3,503 |
| Net loans and leases to deposits | 80.1101% | 2,931 |
| Net loans and leases to core deposits | 83.9514% | 3,085 |
| Total domestic deposits to total assets | 78.7601% | 4,468 |
| Equity capital to assets | 12.4066% | 1,592 |
| Core capital (leverage) ratio | 12.8393% | 1,302 |
| Tier 1 risk-based capital ratio | 18.4080% | 1,696 |
| Total risk-based capital ratio | 19.5590% | 1,687 |
| Memoranda: | ||
| Average total assets | $287,445,330 | 2,243 |
| Average earning assets | $259,227,000 | 2,286 |
| Average equity | $36,073,000 | 2,029 |
| Average total loans | $181,930,330 | 2,337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,585 |
| Cost of funding earning assets | 0.5027% | 2,776 |
| Net interest margin | 3.5048% | 3,520 |
| Noninterest income to average assets | 1.2178% | 625 |
| Noninterest expense to average assets | 3.9159% | 578 |
| Loan and lease loss provision to assets | 0.0421% | 2,915 |
| Net operating income to assets | 0.4462% | 4,826 |
| Return on assets (ROA) | 0.4462% | 4,825 |
| Pretax return on assets | 0.4195% | 5,005 |
| Return on Equity (ROE) | 3.5346% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.5346% | 3,791 |
| Net charge-offs to loans | 0.0668% | 1,441 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 10.9667% | 1,875 |
| Efficiency ratio | 89.4551% | 469 |
| Assets per employee ($millions) | 3.5178% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,549 |
| Loan loss allowance to noncurrent loans | 74.0092% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,398 |
| Noncurrent loans to loans | 1.6818% | 1,017 |
| Net loans and leases to total assets | 62.3996% | 3,501 |
| Net loans and leases to deposits | 79.4493% | 2,872 |
| Net loans and leases to core deposits | 82.9146% | 3,072 |
| Total domestic deposits to total assets | 78.5401% | 4,642 |
| Equity capital to assets | 12.5493% | 1,453 |
| Core capital (leverage) ratio | 12.8652% | 1,223 |
| Tier 1 risk-based capital ratio | 18.7064% | 1,631 |
| Total risk-based capital ratio | 19.8656% | 1,625 |
| Memoranda: | ||
| Average total assets | $285,096,500 | 2,279 |
| Average earning assets | $257,016,500 | 2,314 |
| Average equity | $35,987,000 | 2,044 |
| Average total loans | $179,583,500 | 2,367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 3,692 |
| Cost of funding earning assets | 0.4228% | 3,027 |
| Net interest margin | 3.4865% | 3,568 |
| Noninterest income to average assets | 1.4370% | 514 |
| Noninterest expense to average assets | 3.9907% | 543 |
| Loan and lease loss provision to assets | 0.0500% | 3,219 |
| Net operating income to assets | 0.5744% | 4,120 |
| Return on assets (ROA) | 0.5725% | 4,169 |
| Pretax return on assets | 0.5416% | 4,861 |
| Return on Equity (ROE) | 4.4362% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.4362% | 2,494 |
| Net charge-offs to loans | 0.0852% | 2,243 |
| Credit loss provision to net charge-offs | 92.5170% | 2,734 |
| Earnings coverage of net charge-offs (x) | 10.9796% | 2,618 |
| Efficiency ratio | 87.0538% | 582 |
| Assets per employee ($millions) | 3.8034% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,465 |
| Loan loss allowance to noncurrent loans | 78.3765% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 1,535 |
| Noncurrent loans to loans | 1.5955% | 1,053 |
| Net loans and leases to total assets | 62.0097% | 3,622 |
| Net loans and leases to deposits | 80.9260% | 2,822 |
| Net loans and leases to core deposits | 84.6173% | 3,018 |
| Total domestic deposits to total assets | 76.6252% | 4,903 |
| Equity capital to assets | 12.6961% | 1,411 |
| Core capital (leverage) ratio | 13.0774% | 1,120 |
| Tier 1 risk-based capital ratio | 18.7089% | 1,588 |
| Total risk-based capital ratio | 19.8754% | 1,562 |
| Memoranda: | ||
| Average total assets | $271,955,600 | 2,339 |
| Average earning assets | $245,490,000 | 2,376 |
| Average equity | $35,097,600 | 2,076 |
| Average total loans | $172,499,200 | 2,398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,707 |
| Cost of funding earning assets | 0.4118% | 3,070 |
| Net interest margin | 3.4793% | 3,571 |
| Noninterest income to average assets | 1.4418% | 515 |
| Noninterest expense to average assets | 4.0203% | 505 |
| Loan and lease loss provision to assets | 0.0253% | 3,631 |
| Net operating income to assets | 0.5440% | 4,602 |
| Return on assets (ROA) | 0.5415% | 4,640 |
| Pretax return on assets | 0.5345% | 4,961 |
| Return on Equity (ROE) | 4.1778% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.1778% | 3,413 |
| Net charge-offs to loans | 0.0780% | 2,025 |
| Credit loss provision to net charge-offs | 51.0000% | 2,900 |
| Earnings coverage of net charge-offs (x) | 11.3300% | 2,513 |
| Efficiency ratio | 87.7288% | 523 |
| Assets per employee ($millions) | 3.2459% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,521 |
| Loan loss allowance to noncurrent loans | 80.0290% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 1,704 |
| Noncurrent loans to loans | 1.5865% | 1,166 |
| Net loans and leases to total assets | 62.1183% | 3,641 |
| Net loans and leases to deposits | 80.0876% | 2,966 |
| Net loans and leases to core deposits | 83.7884% | 3,143 |
| Total domestic deposits to total assets | 77.5630% | 4,796 |
| Equity capital to assets | 12.9673% | 1,399 |
| Core capital (leverage) ratio | 12.9273% | 1,241 |
| Tier 1 risk-based capital ratio | 18.6369% | 1,697 |
| Total risk-based capital ratio | 19.7952% | 1,668 |
| Memoranda: | ||
| Average total assets | $268,631,500 | 2,370 |
| Average earning assets | $242,495,000 | 2,421 |
| Average equity | $34,818,000 | 2,099 |
| Average total loans | $170,843,000 | 2,426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 3,757 |
| Cost of funding earning assets | 0.3968% | 3,107 |
| Net interest margin | 3.4441% | 3,616 |
| Noninterest income to average assets | 1.4455% | 516 |
| Noninterest expense to average assets | 3.9796% | 537 |
| Loan and lease loss provision to assets | 0.0278% | 3,446 |
| Net operating income to assets | 0.5560% | 4,494 |
| Return on assets (ROA) | 0.5522% | 4,555 |
| Pretax return on assets | 0.5447% | 4,916 |
| Return on Equity (ROE) | 4.2611% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.2611% | 3,175 |
| Net charge-offs to loans | 0.1036% | 1,594 |
| Credit loss provision to net charge-offs | 42.0455% | 2,627 |
| Earnings coverage of net charge-offs (x) | 8.7159% | 2,490 |
| Efficiency ratio | 87.3516% | 588 |
| Assets per employee ($millions) | 3.3178% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,606 |
| Loan loss allowance to noncurrent loans | 213.6893% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,622 |
| Noncurrent loans to loans | 0.5911% | 2,958 |
| Net loans and leases to total assets | 62.4834% | 3,575 |
| Net loans and leases to deposits | 80.7411% | 2,834 |
| Net loans and leases to core deposits | 84.6722% | 2,992 |
| Total domestic deposits to total assets | 77.3874% | 4,905 |
| Equity capital to assets | 12.8173% | 1,463 |
| Core capital (leverage) ratio | 13.3447% | 1,040 |
| Tier 1 risk-based capital ratio | 19.0155% | 1,592 |
| Total risk-based capital ratio | 20.2078% | 1,555 |
| Memoranda: | ||
| Average total assets | $266,208,330 | 2,399 |
| Average earning assets | $240,412,330 | 2,444 |
| Average equity | $34,498,330 | 2,110 |
| Average total loans | $169,927,670 | 2,442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,642 |
| Cost of funding earning assets | 0.3963% | 3,027 |
| Net interest margin | 3.4384% | 3,492 |
| Noninterest income to average assets | 1.4540% | 511 |
| Noninterest expense to average assets | 4.0012% | 538 |
| Loan and lease loss provision to assets | 0.0321% | 3,144 |
| Net operating income to assets | 0.5489% | 4,386 |
| Return on assets (ROA) | 0.5611% | 4,368 |
| Pretax return on assets | 0.5366% | 4,880 |
| Return on Equity (ROE) | 4.3050% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.3050% | 3,273 |
| Net charge-offs to loans | 0.1264% | 1,162 |
| Credit loss provision to net charge-offs | 39.6226% | 2,066 |
| Earnings coverage of net charge-offs (x) | 6.8679% | 2,188 |
| Efficiency ratio | 87.7893% | 674 |
| Assets per employee ($millions) | 3.3613% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,505 |
| Loan loss allowance to noncurrent loans | 262.7219% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 3,889 |
| Noncurrent loans to loans | 0.4976% | 3,314 |
| Net loans and leases to total assets | 62.3315% | 3,487 |
| Net loans and leases to deposits | 82.0184% | 2,507 |
| Net loans and leases to core deposits | 85.9588% | 2,716 |
| Total domestic deposits to total assets | 75.9970% | 5,229 |
| Equity capital to assets | 12.7711% | 1,367 |
| Core capital (leverage) ratio | 13.5235% | 968 |
| Tier 1 risk-based capital ratio | 19.3224% | 1,530 |
| Total risk-based capital ratio | 20.5574% | 1,510 |
| Memoranda: | ||
| Average total assets | $261,624,000 | 2,454 |
| Average earning assets | $236,158,000 | 2,501 |
| Average equity | $34,099,500 | 2,141 |
| Average total loans | $167,758,500 | 2,477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 3,976 |
| Cost of funding earning assets | 0.3967% | 3,032 |
| Net interest margin | 3.3805% | 3,889 |
| Noninterest income to average assets | 1.6165% | 469 |
| Noninterest expense to average assets | 4.0487% | 563 |
| Loan and lease loss provision to assets | 0.0524% | 3,340 |
| Net operating income to assets | 0.5637% | 4,372 |
| Return on assets (ROA) | 0.5721% | 4,441 |
| Pretax return on assets | 0.6023% | 4,784 |
| Return on Equity (ROE) | 4.2379% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.2379% | 2,890 |
| Net charge-offs to loans | 0.1028% | 2,243 |
| Credit loss provision to net charge-offs | 80.4878% | 2,964 |
| Earnings coverage of net charge-offs (x) | 9.9085% | 2,708 |
| Efficiency ratio | 86.2475% | 805 |
| Assets per employee ($millions) | 3.1793% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,265 |
| Loan loss allowance to noncurrent loans | 180.8835% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 3,179 |
| Noncurrent loans to loans | 0.7514% | 2,650 |
| Net loans and leases to total assets | 64.2567% | 3,323 |
| Net loans and leases to deposits | 83.8466% | 2,440 |
| Net loans and leases to core deposits | 88.0836% | 2,667 |
| Total domestic deposits to total assets | 76.6360% | 5,161 |
| Equity capital to assets | 13.3115% | 1,129 |
| Core capital (leverage) ratio | 13.7143% | 895 |
| Tier 1 risk-based capital ratio | 19.8857% | 1,398 |
| Total risk-based capital ratio | 21.1360% | 1,364 |
| Memoranda: | ||
| Average total assets | $251,710,800 | 2,491 |
| Average earning assets | $229,166,200 | 2,520 |
| Average equity | $33,979,000 | 2,134 |
| Average total loans | $159,513,600 | 2,526 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 4,145 |
| Cost of funding earning assets | 0.3992% | 3,027 |
| Net interest margin | 3.3313% | 4,090 |
| Noninterest income to average assets | 1.5986% | 479 |
| Noninterest expense to average assets | 4.0182% | 575 |
| Loan and lease loss provision to assets | 0.0531% | 3,195 |
| Net operating income to assets | 0.5321% | 4,568 |
| Return on assets (ROA) | 0.5406% | 4,640 |
| Pretax return on assets | 0.5773% | 4,934 |
| Return on Equity (ROE) | 3.9909% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.9909% | 3,466 |
| Net charge-offs to loans | 0.1426% | 1,560 |
| Credit loss provision to net charge-offs | 59.1716% | 2,918 |
| Earnings coverage of net charge-offs (x) | 6.9171% | 2,944 |
| Efficiency ratio | 86.6171% | 773 |
| Assets per employee ($millions) | 3.3172% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 2,358 |
| Loan loss allowance to noncurrent loans | 101.0954% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 2,373 |
| Noncurrent loans to loans | 1.3510% | 1,630 |
| Net loans and leases to total assets | 63.4513% | 3,464 |
| Net loans and leases to deposits | 82.5595% | 2,662 |
| Net loans and leases to core deposits | 86.7474% | 2,882 |
| Total domestic deposits to total assets | 76.8553% | 5,114 |
| Equity capital to assets | 13.8030% | 1,118 |
| Core capital (leverage) ratio | 13.6964% | 942 |
| Tier 1 risk-based capital ratio | 19.3399% | 1,591 |
| Total risk-based capital ratio | 20.5899% | 1,551 |
| Memoranda: | ||
| Average total assets | $251,052,500 | 2,502 |
| Average earning assets | $229,135,750 | 2,530 |
| Average equity | $34,009,500 | 2,146 |
| Average total loans | $157,970,750 | 2,550 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,302 |
| Cost of funding earning assets | 0.4104% | 2,933 |
| Net interest margin | 3.2893% | 4,267 |
| Noninterest income to average assets | 1.4974% | 529 |
| Noninterest expense to average assets | 3.9505% | 631 |
| Loan and lease loss provision to assets | 0.0519% | 3,110 |
| Net operating income to assets | 0.4898% | 4,717 |
| Return on assets (ROA) | 0.4795% | 4,867 |
| Pretax return on assets | 0.4962% | 5,138 |
| Return on Equity (ROE) | 3.5618% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,626 |
| Net charge-offs to loans | 0.0843% | 2,004 |
| Credit loss provision to net charge-offs | 98.4848% | 2,147 |
| Earnings coverage of net charge-offs (x) | 10.6061% | 2,320 |
| Efficiency ratio | 87.6150% | 747 |
| Assets per employee ($millions) | 3.3316% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,137 |
| Loan loss allowance to noncurrent loans | 113.6386% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 2,505 |
| Noncurrent loans to loans | 1.2617% | 1,814 |
| Net loans and leases to total assets | 61.9827% | 3,629 |
| Net loans and leases to deposits | 82.1544% | 2,692 |
| Net loans and leases to core deposits | 86.3742% | 2,863 |
| Total domestic deposits to total assets | 75.4466% | 5,360 |
| Equity capital to assets | 13.7281% | 1,131 |
| Core capital (leverage) ratio | 13.3619% | 1,032 |
| Tier 1 risk-based capital ratio | 20.0598% | 1,451 |
| Total risk-based capital ratio | 21.3108% | 1,412 |
| Memoranda: | ||
| Average total assets | $250,701,670 | 2,525 |
| Average earning assets | $229,529,670 | 2,541 |
| Average equity | $33,746,670 | 2,160 |
| Average total loans | $156,568,000 | 2,568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 4,489 |
| Cost of funding earning assets | 0.4134% | 2,918 |
| Net interest margin | 3.2317% | 4,467 |
| Noninterest income to average assets | 1.1738% | 797 |
| Noninterest expense to average assets | 3.7667% | 820 |
| Loan and lease loss provision to assets | 0.0657% | 2,649 |
| Net operating income to assets | 0.3480% | 5,157 |
| Return on assets (ROA) | 0.3480% | 5,244 |
| Pretax return on assets | 0.2999% | 5,508 |
| Return on Equity (ROE) | 2.6113% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.6113% | 4,201 |
| Net charge-offs to loans | 0.1005% | 1,524 |
| Credit loss provision to net charge-offs | 105.1282% | 1,561 |
| Earnings coverage of net charge-offs (x) | 5.8462% | 2,290 |
| Efficiency ratio | 91.1525% | 601 |
| Assets per employee ($millions) | 3.4037% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,191 |
| Loan loss allowance to noncurrent loans | 155.6161% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 3,190 |
| Noncurrent loans to loans | 0.9328% | 2,518 |
| Net loans and leases to total assets | 61.6175% | 3,580 |
| Net loans and leases to deposits | 81.3152% | 2,628 |
| Net loans and leases to core deposits | 86.4368% | 2,710 |
| Total domestic deposits to total assets | 75.7761% | 5,433 |
| Equity capital to assets | 13.3261% | 1,253 |
| Core capital (leverage) ratio | 13.4720% | 995 |
| Tier 1 risk-based capital ratio | 20.4475% | 1,415 |
| Total risk-based capital ratio | 21.6992% | 1,388 |
| Memoranda: | ||
| Average total assets | $249,451,000 | 2,543 |
| Average earning assets | $228,364,500 | 2,568 |
| Average equity | $33,240,000 | 2,186 |
| Average total loans | $155,239,500 | 2,581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 3,856 |
| Cost of funding earning assets | 0.4761% | 2,384 |
| Net interest margin | 3.3803% | 3,984 |
| Noninterest income to average assets | 1.2583% | 757 |
| Noninterest expense to average assets | 3.7243% | 950 |
| Loan and lease loss provision to assets | 0.0308% | 3,753 |
| Net operating income to assets | 0.5290% | 4,588 |
| Return on assets (ROA) | 0.5236% | 4,686 |
| Pretax return on assets | 0.5780% | 4,910 |
| Return on Equity (ROE) | 3.9092% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,257 |
| Net charge-offs to loans | 0.1519% | 1,850 |
| Credit loss provision to net charge-offs | 31.0924% | 3,640 |
| Earnings coverage of net charge-offs (x) | 6.2101% | 3,265 |
| Efficiency ratio | 85.8429% | 1,003 |
| Assets per employee ($millions) | 3.3839% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 2,042 |
| Loan loss allowance to noncurrent loans | 107.1797% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 2,505 |
| Noncurrent loans to loans | 1.3929% | 1,681 |
| Net loans and leases to total assets | 61.0095% | 3,690 |
| Net loans and leases to deposits | 81.3901% | 2,663 |
| Net loans and leases to core deposits | 86.7970% | 2,719 |
| Total domestic deposits to total assets | 74.9594% | 5,557 |
| Equity capital to assets | 13.3245% | 1,197 |
| Core capital (leverage) ratio | 13.8050% | 874 |
| Tier 1 risk-based capital ratio | 21.6488% | 1,194 |
| Total risk-based capital ratio | 22.9016% | 1,175 |
| Memoranda: | ||
| Average total assets | $240,638,400 | 2,575 |
| Average earning assets | $219,268,600 | 2,594 |
| Average equity | $32,231,800 | 2,189 |
| Average total loans | $156,713,600 | 2,509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 4,143 |
| Cost of funding earning assets | 0.4910% | 2,308 |
| Net interest margin | 3.2935% | 4,379 |
| Noninterest income to average assets | 1.2076% | 825 |
| Noninterest expense to average assets | 3.7287% | 936 |
| Loan and lease loss provision to assets | 0.0379% | 3,453 |
| Net operating income to assets | 0.4390% | 5,013 |
| Return on assets (ROA) | 0.4317% | 5,129 |
| Pretax return on assets | 0.4306% | 5,398 |
| Return on Equity (ROE) | 3.2188% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.2188% | 4,170 |
| Net charge-offs to loans | 0.1861% | 1,370 |
| Credit loss provision to net charge-offs | 30.9091% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.8772% | 3,442 |
| Efficiency ratio | 88.6840% | 788 |
| Assets per employee ($millions) | 3.2618% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 2,343 |
| Loan loss allowance to noncurrent loans | 73.9452% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,703 |
| Noncurrent loans to loans | 1.9698% | 1,180 |
| Net loans and leases to total assets | 66.1421% | 2,982 |
| Net loans and leases to deposits | 91.2152% | 1,501 |
| Net loans and leases to core deposits | 96.2685% | 1,858 |
| Total domestic deposits to total assets | 72.5121% | 5,828 |
| Equity capital to assets | 13.8310% | 1,091 |
| Core capital (leverage) ratio | 13.7459% | 929 |
| Tier 1 risk-based capital ratio | 21.0489% | 1,336 |
| Total risk-based capital ratio | 22.3020% | 1,312 |
| Memoranda: | ||
| Average total assets | $239,041,250 | 2,598 |
| Average earning assets | $217,515,000 | 2,625 |
| Average equity | $32,061,000 | 2,210 |
| Average total loans | $157,643,500 | 2,508 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,121 |
| Cost of funding earning assets | 0.5086% | 2,175 |
| Net interest margin | 3.2751% | 4,396 |
| Noninterest income to average assets | 1.0398% | 1,097 |
| Noninterest expense to average assets | 3.6259% | 1,080 |
| Loan and lease loss provision to assets | 0.0433% | 3,242 |
| Net operating income to assets | 0.3885% | 5,170 |
| Return on assets (ROA) | 0.3776% | 5,325 |
| Pretax return on assets | 0.3377% | 5,594 |
| Return on Equity (ROE) | 2.8446% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.8446% | 4,229 |
| Net charge-offs to loans | 0.0723% | 2,356 |
| Credit loss provision to net charge-offs | 91.2281% | 2,185 |
| Earnings coverage of net charge-offs (x) | 8.2632% | 2,579 |
| Efficiency ratio | 90.2484% | 733 |
| Assets per employee ($millions) | 3.6356% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 2,065 |
| Loan loss allowance to noncurrent loans | 55.2840% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.0021% | 1,100 |
| Noncurrent loans to loans | 2.8167% | 733 |
| Net loans and leases to total assets | 64.3641% | 3,216 |
| Net loans and leases to deposits | 90.2954% | 1,560 |
| Net loans and leases to core deposits | 95.2147% | 1,862 |
| Total domestic deposits to total assets | 71.2818% | 5,972 |
| Equity capital to assets | 13.3335% | 1,245 |
| Core capital (leverage) ratio | 13.5444% | 975 |
| Tier 1 risk-based capital ratio | 22.3750% | 1,151 |
| Total risk-based capital ratio | 23.6304% | 1,134 |
| Memoranda: | ||
| Average total assets | $240,438,670 | 2,606 |
| Average earning assets | $218,619,000 | 2,634 |
| Average equity | $31,920,670 | 2,225 |
| Average total loans | $157,648,000 | 2,511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,237 |
| Cost of funding earning assets | 0.5267% | 2,036 |
| Net interest margin | 3.2116% | 4,565 |
| Noninterest income to average assets | 0.9024% | 1,377 |
| Noninterest expense to average assets | 3.5732% | 1,172 |
| Loan and lease loss provision to assets | 0.0432% | 3,049 |
| Net operating income to assets | 0.3357% | 5,298 |
| Return on assets (ROA) | 0.3357% | 5,406 |
| Pretax return on assets | 0.2044% | 5,820 |
| Return on Equity (ROE) | 2.5342% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.5342% | 4,422 |
| Net charge-offs to loans | 0.1342% | 1,446 |
| Credit loss provision to net charge-offs | 49.0566% | 2,113 |
| Earnings coverage of net charge-offs (x) | 2.8113% | 2,696 |
| Efficiency ratio | 93.5189% | 622 |
| Assets per employee ($millions) | 3.8209% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 2,286 |
| Loan loss allowance to noncurrent loans | 50.9899% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 1,160 |
| Noncurrent loans to loans | 3.0175% | 713 |
| Net loans and leases to total assets | 64.3608% | 3,045 |
| Net loans and leases to deposits | 88.9655% | 1,511 |
| Net loans and leases to core deposits | 93.8196% | 1,783 |
| Total domestic deposits to total assets | 72.3436% | 6,022 |
| Equity capital to assets | 13.3347% | 1,245 |
| Core capital (leverage) ratio | 13.3762% | 1,021 |
| Tier 1 risk-based capital ratio | 21.0645% | 1,408 |
| Total risk-based capital ratio | 22.3185% | 1,383 |
| Memoranda: | ||
| Average total assets | $240,682,000 | 2,630 |
| Average earning assets | $218,708,500 | 2,655 |
| Average equity | $31,884,000 | 2,242 |
| Average total loans | $158,029,000 | 2,511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 4,455 |
| Cost of funding earning assets | 0.6789% | 1,212 |
| Net interest margin | 3.1336% | 5,118 |
| Noninterest income to average assets | 0.8507% | 1,680 |
| Noninterest expense to average assets | 3.5182% | 1,447 |
| Loan and lease loss provision to assets | -0.1102% | 6,162 |
| Net operating income to assets | 0.2734% | 5,590 |
| Return on assets (ROA) | 0.2727% | 5,664 |
| Pretax return on assets | 0.2908% | 5,720 |
| Return on Equity (ROE) | 2.1368% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.1368% | 4,711 |
| Net charge-offs to loans | -0.2030% | 6,269 |
| Credit loss provision to net charge-offs | 87.8289% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1043% | 540 |
| Assets per employee ($millions) | 3.5917% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 2,291 |
| Loan loss allowance to noncurrent loans | 51.8754% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 2.1471% | 1,142 |
| Noncurrent loans to loans | 2.9734% | 757 |
| Net loans and leases to total assets | 64.9340% | 3,060 |
| Net loans and leases to deposits | 91.2020% | 1,378 |
| Net loans and leases to core deposits | 96.8046% | 1,653 |
| Total domestic deposits to total assets | 71.1979% | 6,132 |
| Equity capital to assets | 13.1600% | 1,286 |
| Core capital (leverage) ratio | 13.1585% | 1,080 |
| Tier 1 risk-based capital ratio | 21.0929% | 1,384 |
| Total risk-based capital ratio | 22.3478% | 1,355 |
| Memoranda: | ||
| Average total assets | $242,396,400 | 2,595 |
| Average earning assets | $220,354,800 | 2,621 |
| Average equity | $30,933,600 | 2,224 |
| Average total loans | $149,724,600 | 2,570 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 4,485 |
| Cost of funding earning assets | 0.7064% | 1,119 |
| Net interest margin | 3.1101% | 5,225 |
| Noninterest income to average assets | 0.7654% | 2,029 |
| Noninterest expense to average assets | 3.5760% | 1,335 |
| Loan and lease loss provision to assets | -0.1499% | 6,348 |
| Net operating income to assets | 0.1971% | 5,853 |
| Return on assets (ROA) | 0.1966% | 5,907 |
| Pretax return on assets | 0.1669% | 5,989 |
| Return on Equity (ROE) | 1.5523% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.5523% | 5,266 |
| Net charge-offs to loans | -0.4222% | 6,436 |
| Credit loss provision to net charge-offs | 58.4582% | 2,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5111% | 383 |
| Assets per employee ($millions) | 3.6317% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 1,901 |
| Loan loss allowance to noncurrent loans | 56.5689% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.2036% | 1,254 |
| Noncurrent loans to loans | 3.0503% | 867 |
| Net loans and leases to total assets | 60.9728% | 3,635 |
| Net loans and leases to deposits | 84.1899% | 2,124 |
| Net loans and leases to core deposits | 90.0331% | 2,222 |
| Total domestic deposits to total assets | 72.4229% | 6,142 |
| Equity capital to assets | 12.7932% | 1,530 |
| Core capital (leverage) ratio | 12.8764% | 1,235 |
| Tier 1 risk-based capital ratio | 21.3079% | 1,390 |
| Total risk-based capital ratio | 22.5641% | 1,362 |
| Memoranda: | ||
| Average total assets | $242,834,000 | 2,605 |
| Average earning assets | $220,825,500 | 2,626 |
| Average equity | $30,749,750 | 2,244 |
| Average total loans | $147,478,500 | 2,622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 4,191 |
| Cost of funding earning assets | 0.7215% | 1,075 |
| Net interest margin | 3.1649% | 5,054 |
| Noninterest income to average assets | 0.6585% | 2,491 |
| Noninterest expense to average assets | 3.3799% | 1,727 |
| Loan and lease loss provision to assets | -0.2390% | 6,499 |
| Net operating income to assets | 0.3434% | 5,424 |
| Return on assets (ROA) | 0.3412% | 5,502 |
| Pretax return on assets | 0.3981% | 5,568 |
| Return on Equity (ROE) | 2.7038% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.7038% | 4,482 |
| Net charge-offs to loans | -0.7532% | 6,555 |
| Credit loss provision to net charge-offs | 52.6316% | 2,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4831% | 583 |
| Assets per employee ($millions) | 3.6437% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 1,834 |
| Loan loss allowance to noncurrent loans | 47.2168% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.6388% | 1,021 |
| Noncurrent loans to loans | 3.8201% | 646 |
| Net loans and leases to total assets | 59.5859% | 3,783 |
| Net loans and leases to deposits | 83.6363% | 2,068 |
| Net loans and leases to core deposits | 90.3544% | 2,095 |
| Total domestic deposits to total assets | 71.2440% | 6,303 |
| Equity capital to assets | 12.7821% | 1,498 |
| Core capital (leverage) ratio | 12.8590% | 1,217 |
| Tier 1 risk-based capital ratio | 21.8083% | 1,288 |
| Total risk-based capital ratio | 23.0659% | 1,263 |
| Memoranda: | ||
| Average total assets | $242,670,330 | 2,613 |
| Average earning assets | $220,923,330 | 2,635 |
| Average equity | $30,623,330 | 2,237 |
| Average total loans | $146,315,670 | 2,634 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 5,416 |
| Cost of funding earning assets | 0.7320% | 1,064 |
| Net interest margin | 2.7704% | 5,999 |
| Noninterest income to average assets | 0.6398% | 2,518 |
| Noninterest expense to average assets | 3.3132% | 1,917 |
| Loan and lease loss provision to assets | 0.4133% | 404 |
| Net operating income to assets | -0.2711% | 6,385 |
| Return on assets (ROA) | -0.2711% | 6,386 |
| Pretax return on assets | -0.5588% | 6,475 |
| Return on Equity (ROE) | -2.1627% | 6,362 |
| Retained earnings to average equity (ytd only) | -2.1627% | 5,871 |
| Net charge-offs to loans | 0.2393% | 1,363 |
| Credit loss provision to net charge-offs | 287.3563% | 821 |
| Earnings coverage of net charge-offs (x) | -1.0115% | 3,514 |
| Efficiency ratio | 104.5929% | 358 |
| Assets per employee ($millions) | 3.8359% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,099 |
| Loan loss allowance to noncurrent loans | 36.8188% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.2680% | 818 |
| Noncurrent loans to loans | 4.8379% | 473 |
| Net loans and leases to total assets | 57.8137% | 3,867 |
| Net loans and leases to deposits | 80.6175% | 2,212 |
| Net loans and leases to core deposits | 86.3554% | 2,281 |
| Total domestic deposits to total assets | 71.7135% | 6,375 |
| Equity capital to assets | 12.3772% | 1,638 |
| Core capital (leverage) ratio | 12.5383% | 1,371 |
| Tier 1 risk-based capital ratio | 22.0591% | 1,286 |
| Total risk-based capital ratio | 23.3166% | 1,260 |
| Memoranda: | ||
| Average total assets | $241,940,500 | 2,625 |
| Average earning assets | $220,760,500 | 2,645 |
| Average equity | $30,332,500 | 2,255 |
| Average total loans | $145,404,000 | 2,651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 5,297 |
| Cost of funding earning assets | 0.8392% | 1,001 |
| Net interest margin | 2.8033% | 5,976 |
| Noninterest income to average assets | 0.8714% | 1,779 |
| Noninterest expense to average assets | 3.1538% | 2,570 |
| Loan and lease loss provision to assets | 0.3275% | 992 |
| Net operating income to assets | 0.0291% | 6,166 |
| Return on assets (ROA) | 0.0255% | 6,214 |
| Pretax return on assets | -0.0498% | 6,261 |
| Return on Equity (ROE) | 0.1970% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.1970% | 5,758 |
| Net charge-offs to loans | 0.3416% | 1,971 |
| Credit loss provision to net charge-offs | 151.8738% | 1,527 |
| Earnings coverage of net charge-offs (x) | 1.2998% | 4,633 |
| Efficiency ratio | 91.8390% | 887 |
| Assets per employee ($millions) | 3.8449% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 2,576 |
| Loan loss allowance to noncurrent loans | 32.6252% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 3.4512% | 859 |
| Noncurrent loans to loans | 5.0512% | 488 |
| Net loans and leases to total assets | 60.3615% | 3,648 |
| Net loans and leases to deposits | 85.2359% | 1,785 |
| Net loans and leases to core deposits | 91.6737% | 1,825 |
| Total domestic deposits to total assets | 70.8170% | 6,485 |
| Equity capital to assets | 12.7019% | 1,421 |
| Core capital (leverage) ratio | 12.9654% | 1,154 |
| Tier 1 risk-based capital ratio | 22.2205% | 1,224 |
| Total risk-based capital ratio | 23.4763% | 1,201 |
| Memoranda: | ||
| Average total assets | $235,142,000 | 2,668 |
| Average earning assets | $214,958,200 | 2,674 |
| Average equity | $30,460,800 | 2,229 |
| Average total loans | $148,415,400 | 2,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 5,293 |
| Cost of funding earning assets | 0.8494% | 1,050 |
| Net interest margin | 2.8039% | 6,013 |
| Noninterest income to average assets | 0.8944% | 1,774 |
| Noninterest expense to average assets | 3.2153% | 2,320 |
| Loan and lease loss provision to assets | 0.4239% | 689 |
| Net operating income to assets | -0.0643% | 6,353 |
| Return on assets (ROA) | -0.0717% | 6,396 |
| Pretax return on assets | -0.1883% | 6,467 |
| Return on Equity (ROE) | -0.5507% | 6,388 |
| Retained earnings to average equity (ytd only) | -0.5507% | 6,054 |
| Net charge-offs to loans | 0.4198% | 1,525 |
| Credit loss provision to net charge-offs | 158.8486% | 1,484 |
| Earnings coverage of net charge-offs (x) | 0.9104% | 4,545 |
| Efficiency ratio | 92.9747% | 792 |
| Assets per employee ($millions) | 3.9288% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 2,821 |
| Loan loss allowance to noncurrent loans | 30.1043% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 3.6805% | 893 |
| Noncurrent loans to loans | 5.4616% | 504 |
| Net loans and leases to total assets | 59.5294% | 3,772 |
| Net loans and leases to deposits | 85.2123% | 1,714 |
| Net loans and leases to core deposits | 91.3515% | 1,837 |
| Total domestic deposits to total assets | 69.8601% | 6,606 |
| Equity capital to assets | 12.3711% | 1,653 |
| Core capital (leverage) ratio | 12.6158% | 1,363 |
| Tier 1 risk-based capital ratio | 22.0918% | 1,305 |
| Total risk-based capital ratio | 23.3477% | 1,285 |
| Memoranda: | ||
| Average total assets | $234,332,000 | 2,696 |
| Average earning assets | $214,266,000 | 2,691 |
| Average equity | $30,506,250 | 2,245 |
| Average total loans | $148,943,750 | 2,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 5,077 |
| Cost of funding earning assets | 0.8760% | 1,005 |
| Net interest margin | 2.8458% | 5,910 |
| Noninterest income to average assets | 0.9245% | 1,732 |
| Noninterest expense to average assets | 3.2692% | 2,164 |
| Loan and lease loss provision to assets | 0.4930% | 562 |
| Net operating income to assets | -0.1012% | 6,405 |
| Return on assets (ROA) | -0.1124% | 6,462 |
| Pretax return on assets | -0.2499% | 6,526 |
| Return on Equity (ROE) | -0.8488% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.8488% | 6,019 |
| Net charge-offs to loans | 0.4938% | 1,324 |
| Credit loss provision to net charge-offs | 154.4715% | 1,496 |
| Earnings coverage of net charge-offs (x) | 0.7967% | 4,262 |
| Efficiency ratio | 92.7835% | 835 |
| Assets per employee ($millions) | 3.4581% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,120 |
| Loan loss allowance to noncurrent loans | 34.2870% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 3.6381% | 1,029 |
| Noncurrent loans to loans | 4.6955% | 723 |
| Net loans and leases to total assets | 61.9608% | 3,292 |
| Net loans and leases to deposits | 90.9377% | 1,058 |
| Net loans and leases to core deposits | 97.9911% | 1,217 |
| Total domestic deposits to total assets | 68.1354% | 6,716 |
| Equity capital to assets | 13.0765% | 1,322 |
| Core capital (leverage) ratio | 13.2693% | 1,066 |
| Tier 1 risk-based capital ratio | 22.9703% | 1,141 |
| Total risk-based capital ratio | 24.2263% | 1,127 |
| Memoranda: | ||
| Average total assets | $231,248,000 | 2,727 |
| Average earning assets | $211,185,000 | 2,730 |
| Average equity | $30,630,330 | 2,243 |
| Average total loans | $149,449,000 | 2,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 5,063 |
| Cost of funding earning assets | 0.8879% | 1,049 |
| Net interest margin | 2.8399% | 5,944 |
| Noninterest income to average assets | 0.8432% | 1,947 |
| Noninterest expense to average assets | 3.1858% | 2,395 |
| Loan and lease loss provision to assets | 0.7791% | 282 |
| Net operating income to assets | -0.2961% | 6,576 |
| Return on assets (ROA) | -0.2961% | 6,610 |
| Pretax return on assets | -0.5246% | 6,683 |
| Return on Equity (ROE) | -2.2210% | 6,570 |
| Retained earnings to average equity (ytd only) | -2.2210% | 6,102 |
| Net charge-offs to loans | 0.8914% | 682 |
| Credit loss provision to net charge-offs | 133.5312% | 1,483 |
| Earnings coverage of net charge-offs (x) | 0.4362% | 3,667 |
| Efficiency ratio | 92.6019% | 938 |
| Assets per employee ($millions) | 3.6127% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 3,726 |
| Loan loss allowance to noncurrent loans | 30.1829% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 3.8953% | 1,047 |
| Noncurrent loans to loans | 5.0446% | 750 |
| Net loans and leases to total assets | 61.3297% | 3,202 |
| Net loans and leases to deposits | 86.4957% | 1,293 |
| Net loans and leases to core deposits | 98.2267% | 1,065 |
| Total domestic deposits to total assets | 70.9049% | 6,715 |
| Equity capital to assets | 12.8918% | 1,476 |
| Core capital (leverage) ratio | 12.9141% | 1,150 |
| Tier 1 risk-based capital ratio | 22.4976% | 1,239 |
| Total risk-based capital ratio | 23.7528% | 1,224 |
| Memoranda: | ||
| Average total assets | $231,027,000 | 2,766 |
| Average earning assets | $211,275,000 | 2,759 |
| Average equity | $30,797,000 | 2,252 |
| Average total loans | $151,220,500 | 2,565 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 4,482 |
| Cost of funding earning assets | 1.0462% | 1,139 |
| Net interest margin | 3.1823% | 5,613 |
| Noninterest income to average assets | 0.8520% | 2,033 |
| Noninterest expense to average assets | 3.1855% | 2,664 |
| Loan and lease loss provision to assets | 0.0528% | 5,146 |
| Net operating income to assets | 0.4229% | 4,996 |
| Return on assets (ROA) | 0.4229% | 5,253 |
| Pretax return on assets | 0.5387% | 5,166 |
| Return on Equity (ROE) | 3.1501% | 5,494 |
| Retained earnings to average equity (ytd only) | 3.1501% | 4,019 |
| Net charge-offs to loans | 0.6605% | 1,782 |
| Credit loss provision to net charge-offs | 11.2888% | 5,383 |
| Earnings coverage of net charge-offs (x) | 1.2643% | 4,830 |
| Efficiency ratio | 84.3393% | 1,586 |
| Assets per employee ($millions) | 3.4402% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,192 |
| Loan loss allowance to noncurrent loans | 28.2967% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 4.1495% | 1,019 |
| Noncurrent loans to loans | 4.9309% | 819 |
| Net loans and leases to total assets | 67.8836% | 2,200 |
| Net loans and leases to deposits | 98.6848% | 473 |
| Net loans and leases to core deposits | 106.7046% | 663 |
| Total domestic deposits to total assets | 68.7883% | 6,831 |
| Equity capital to assets | 13.7983% | 1,119 |
| Core capital (leverage) ratio | 13.8325% | 842 |
| Tier 1 risk-based capital ratio | 22.3076% | 1,211 |
| Total risk-based capital ratio | 23.5612% | 1,184 |
| Memoranda: | ||
| Average total assets | $227,217,600 | 2,761 |
| Average earning assets | $208,844,600 | 2,752 |
| Average equity | $30,507,200 | 2,220 |
| Average total loans | $160,944,000 | 2,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 4,284 |
| Cost of funding earning assets | 1.0593% | 1,238 |
| Net interest margin | 3.2833% | 5,445 |
| Noninterest income to average assets | 0.8235% | 2,144 |
| Noninterest expense to average assets | 3.1451% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5313% | 4,703 |
| Return on assets (ROA) | 0.5313% | 4,974 |
| Pretax return on assets | 0.6984% | 4,867 |
| Return on Equity (ROE) | 3.9841% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.9841% | 4,079 |
| Net charge-offs to loans | 0.5917% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.6551% | 4,450 |
| Efficiency ratio | 81.8279% | 1,830 |
| Assets per employee ($millions) | 3.6066% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,793 |
| Loan loss allowance to noncurrent loans | 33.7703% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 3.8898% | 1,255 |
| Noncurrent loans to loans | 4.5469% | 1,033 |
| Net loans and leases to total assets | 67.9642% | 2,307 |
| Net loans and leases to deposits | 95.4467% | 695 |
| Net loans and leases to core deposits | 102.7038% | 947 |
| Total domestic deposits to total assets | 71.2064% | 6,781 |
| Equity capital to assets | 13.8606% | 1,214 |
| Core capital (leverage) ratio | 13.8209% | 895 |
| Tier 1 risk-based capital ratio | 22.7138% | 1,218 |
| Total risk-based capital ratio | 23.9697% | 1,199 |
| Memoranda: | ||
| Average total assets | $228,118,250 | 2,772 |
| Average earning assets | $209,821,250 | 2,768 |
| Average equity | $30,420,250 | 2,245 |
| Average total loans | $162,693,500 | 2,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 4,102 |
| Cost of funding earning assets | 1.0840% | 1,294 |
| Net interest margin | 3.3373% | 5,319 |
| Noninterest income to average assets | 0.7151% | 2,579 |
| Noninterest expense to average assets | 3.0703% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5357% | 4,654 |
| Return on assets (ROA) | 0.5357% | 4,930 |
| Pretax return on assets | 0.7151% | 4,782 |
| Return on Equity (ROE) | 4.0689% | 5,234 |
| Retained earnings to average equity (ytd only) | 4.0689% | 3,900 |
| Net charge-offs to loans | 0.6333% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.5668% | 4,211 |
| Efficiency ratio | 81.1091% | 2,013 |
| Assets per employee ($millions) | 3.4979% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 3,560 |
| Loan loss allowance to noncurrent loans | 31.6445% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 4.4741% | 1,112 |
| Noncurrent loans to loans | 5.0953% | 952 |
| Net loans and leases to total assets | 69.9698% | 1,926 |
| Net loans and leases to deposits | 99.0646% | 465 |
| Net loans and leases to core deposits | 106.4868% | 720 |
| Total domestic deposits to total assets | 70.6305% | 6,875 |
| Equity capital to assets | 13.6348% | 1,247 |
| Core capital (leverage) ratio | 13.6636% | 912 |
| Tier 1 risk-based capital ratio | 21.9670% | 1,297 |
| Total risk-based capital ratio | 23.2240% | 1,275 |
| Memoranda: | ||
| Average total assets | $229,620,330 | 2,756 |
| Average earning assets | $211,246,670 | 2,746 |
| Average equity | $30,229,000 | 2,244 |
| Average total loans | $165,476,000 | 2,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 3,811 |
| Cost of funding earning assets | 1.1077% | 1,364 |
| Net interest margin | 3.4183% | 5,037 |
| Noninterest income to average assets | 0.8310% | 2,028 |
| Noninterest expense to average assets | 3.0349% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6899% | 3,931 |
| Return on assets (ROA) | 0.6899% | 4,151 |
| Pretax return on assets | 0.9445% | 3,885 |
| Return on Equity (ROE) | 5.3322% | 4,625 |
| Retained earnings to average equity (ytd only) | 5.3322% | 3,358 |
| Net charge-offs to loans | 1.0675% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.2200% | 3,730 |
| Efficiency ratio | 76.2646% | 2,751 |
| Assets per employee ($millions) | 3.8669% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 3,707 |
| Loan loss allowance to noncurrent loans | 35.2368% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 4.1730% | 1,306 |
| Noncurrent loans to loans | 4.5494% | 1,269 |
| Net loans and leases to total assets | 69.8685% | 1,774 |
| Net loans and leases to deposits | 95.6637% | 560 |
| Net loans and leases to core deposits | 106.8652% | 644 |
| Total domestic deposits to total assets | 73.0355% | 6,829 |
| Equity capital to assets | 13.0258% | 1,433 |
| Core capital (leverage) ratio | 13.0961% | 1,088 |
| Tier 1 risk-based capital ratio | 19.8398% | 1,747 |
| Total risk-based capital ratio | 21.0955% | 1,721 |
| Memoranda: | ||
| Average total assets | $232,496,500 | 2,745 |
| Average earning assets | $214,140,500 | 2,723 |
| Average equity | $30,081,500 | 2,258 |
| Average total loans | $168,610,500 | 2,376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 4,093 |
| Cost of funding earning assets | 1.3882% | 1,090 |
| Net interest margin | 3.3484% | 5,653 |
| Noninterest income to average assets | 0.5810% | 3,289 |
| Noninterest expense to average assets | 2.8290% | 4,242 |
| Loan and lease loss provision to assets | 0.1482% | 4,757 |
| Net operating income to assets | 0.5075% | 4,388 |
| Return on assets (ROA) | 0.5082% | 4,595 |
| Pretax return on assets | 0.6936% | 4,342 |
| Return on Equity (ROE) | 4.0240% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,327 |
| Net charge-offs to loans | -0.2339% | 7,225 |
| Credit loss provision to net charge-offs | -82.6087% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0865% | 2,730 |
| Assets per employee ($millions) | 3.8830% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 2,894 |
| Loan loss allowance to noncurrent loans | 35.2773% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 4.7657% | 1,142 |
| Noncurrent loans to loans | 5.0802% | 1,103 |
| Net loans and leases to total assets | 72.7037% | 1,513 |
| Net loans and leases to deposits | 102.2573% | 360 |
| Net loans and leases to core deposits | 109.0353% | 651 |
| Total domestic deposits to total assets | 71.0989% | 6,924 |
| Equity capital to assets | 12.8515% | 1,570 |
| Core capital (leverage) ratio | 12.8498% | 1,200 |
| Tier 1 risk-based capital ratio | 19.1725% | 1,850 |
| Total risk-based capital ratio | 20.4013% | 1,821 |
| Memoranda: | ||
| Average total assets | $230,826,400 | 2,715 |
| Average earning assets | $212,938,800 | 2,698 |
| Average equity | $29,150,400 | 2,259 |
| Average total loans | $176,974,000 | 2,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 3,495 |
| Cost of funding earning assets | 1.4418% | 1,055 |
| Net interest margin | 3.4714% | 5,308 |
| Noninterest income to average assets | 0.5946% | 3,204 |
| Noninterest expense to average assets | 2.9470% | 3,751 |
| Loan and lease loss provision to assets | 0.1980% | 4,045 |
| Net operating income to assets | 0.4800% | 4,633 |
| Return on assets (ROA) | 0.4800% | 4,830 |
| Pretax return on assets | 0.6531% | 4,634 |
| Return on Equity (ROE) | 3.8176% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.8176% | 4,010 |
| Net charge-offs to loans | -0.3578% | 7,320 |
| Credit loss provision to net charge-offs | -71.5481% | 6,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5915% | 2,595 |
| Assets per employee ($millions) | 3.7742% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,885 |
| Loan loss allowance to noncurrent loans | 36.6520% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 4.7543% | 1,238 |
| Noncurrent loans to loans | 4.9524% | 1,265 |
| Net loans and leases to total assets | 72.9324% | 1,522 |
| Net loans and leases to deposits | 103.2601% | 343 |
| Net loans and leases to core deposits | 110.5346% | 652 |
| Total domestic deposits to total assets | 70.6298% | 7,008 |
| Equity capital to assets | 12.6124% | 1,843 |
| Core capital (leverage) ratio | 12.7190% | 1,335 |
| Tier 1 risk-based capital ratio | 20.2259% | 1,634 |
| Total risk-based capital ratio | 21.4873% | 1,596 |
| Memoranda: | ||
| Average total assets | $230,288,750 | 2,728 |
| Average earning assets | $212,513,500 | 2,709 |
| Average equity | $28,952,750 | 2,271 |
| Average total loans | $178,099,000 | 2,287 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 3,527 |
| Cost of funding earning assets | 1.4920% | 1,032 |
| Net interest margin | 3.4295% | 5,446 |
| Noninterest income to average assets | 0.7370% | 2,335 |
| Noninterest expense to average assets | 2.9871% | 3,693 |
| Loan and lease loss provision to assets | 0.2986% | 3,015 |
| Net operating income to assets | 0.4506% | 4,718 |
| Return on assets (ROA) | 0.4506% | 4,857 |
| Pretax return on assets | 0.6103% | 4,717 |
| Return on Equity (ROE) | 3.5876% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.5876% | 3,951 |
| Net charge-offs to loans | -0.0078% | 6,641 |
| Credit loss provision to net charge-offs | -4,885.7143% | 6,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6697% | 2,907 |
| Assets per employee ($millions) | 3.5995% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 5,676 |
| Loan loss allowance to noncurrent loans | 23.8849% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 5.2151% | 1,164 |
| Noncurrent loans to loans | 4.8870% | 1,347 |
| Net loans and leases to total assets | 76.5811% | 986 |
| Net loans and leases to deposits | 105.9742% | 267 |
| Net loans and leases to core deposits | 113.4617% | 598 |
| Total domestic deposits to total assets | 72.2639% | 6,988 |
| Equity capital to assets | 12.8555% | 1,596 |
| Core capital (leverage) ratio | 12.9431% | 1,189 |
| Tier 1 risk-based capital ratio | 18.8859% | 1,876 |
| Total risk-based capital ratio | 20.1364% | 1,846 |
| Memoranda: | ||
| Average total assets | $229,052,000 | 2,762 |
| Average earning assets | $210,991,670 | 2,749 |
| Average equity | $28,766,000 | 2,258 |
| Average total loans | $179,526,670 | 2,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 3,306 |
| Cost of funding earning assets | 1.5195% | 1,094 |
| Net interest margin | 3.4354% | 5,286 |
| Noninterest income to average assets | 0.7455% | 2,281 |
| Noninterest expense to average assets | 3.0722% | 3,373 |
| Loan and lease loss provision to assets | 0.3215% | 2,620 |
| Net operating income to assets | 0.3753% | 5,048 |
| Return on assets (ROA) | 0.3753% | 5,130 |
| Pretax return on assets | 0.5143% | 4,981 |
| Return on Equity (ROE) | 3.0238% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.0238% | 4,346 |
| Net charge-offs to loans | -0.3263% | 7,352 |
| Credit loss provision to net charge-offs | -125.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6127% | 2,746 |
| Assets per employee ($millions) | 3.7233% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,931 |
| Loan loss allowance to noncurrent loans | 21.9810% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 5.2161% | 1,198 |
| Noncurrent loans to loans | 5.1365% | 1,307 |
| Net loans and leases to total assets | 77.1970% | 849 |
| Net loans and leases to deposits | 106.6062% | 237 |
| Net loans and leases to core deposits | 112.7517% | 637 |
| Total domestic deposits to total assets | 72.4132% | 7,049 |
| Equity capital to assets | 12.4540% | 1,651 |
| Core capital (leverage) ratio | 12.5395% | 1,307 |
| Tier 1 risk-based capital ratio | 18.3890% | 1,990 |
| Total risk-based capital ratio | 19.5800% | 1,965 |
| Memoranda: | ||
| Average total assets | $230,195,000 | 2,771 |
| Average earning assets | $211,910,000 | 2,757 |
| Average equity | $28,573,000 | 2,265 |
| Average total loans | $181,434,500 | 2,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 3,965 |
| Cost of funding earning assets | 1.7754% | 1,273 |
| Net interest margin | 3.3534% | 5,780 |
| Noninterest income to average assets | 0.7402% | 2,591 |
| Noninterest expense to average assets | 3.2286% | 2,983 |
| Loan and lease loss provision to assets | 1.0642% | 1,509 |
| Net operating income to assets | -0.2658% | 6,183 |
| Return on assets (ROA) | -0.1418% | 6,097 |
| Pretax return on assets | -0.2509% | 6,127 |
| Return on Equity (ROE) | -1.1418% | 6,076 |
| Retained earnings to average equity (ytd only) | -1.1418% | 5,826 |
| Net charge-offs to loans | 1.2113% | 1,851 |
| Credit loss provision to net charge-offs | 109.4081% | 4,031 |
| Earnings coverage of net charge-offs (x) | 0.6369% | 5,472 |
| Efficiency ratio | 83.9009% | 1,932 |
| Assets per employee ($millions) | 3.5315% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,632 |
| Loan loss allowance to noncurrent loans | 17.3607% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 5.5544% | 1,109 |
| Noncurrent loans to loans | 5.3649% | 1,226 |
| Net loans and leases to total assets | 78.8201% | 832 |
| Net loans and leases to deposits | 110.9374% | 217 |
| Net loans and leases to core deposits | 117.9535% | 585 |
| Total domestic deposits to total assets | 71.0492% | 7,167 |
| Equity capital to assets | 12.3708% | 1,710 |
| Core capital (leverage) ratio | 12.5544% | 1,292 |
| Tier 1 risk-based capital ratio | 17.8149% | 2,060 |
| Total risk-based capital ratio | 18.8657% | 2,095 |
| Memoranda: | ||
| Average total assets | $232,765,200 | 2,710 |
| Average earning assets | $215,723,800 | 2,677 |
| Average equity | $28,901,800 | 2,252 |
| Average total loans | $186,912,800 | 2,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 4,015 |
| Cost of funding earning assets | 1.8048% | 1,396 |
| Net interest margin | 3.3593% | 5,808 |
| Noninterest income to average assets | 0.6787% | 2,954 |
| Noninterest expense to average assets | 3.0916% | 3,368 |
| Loan and lease loss provision to assets | 1.2050% | 1,185 |
| Net operating income to assets | -0.3044% | 6,430 |
| Return on assets (ROA) | -0.1444% | 6,321 |
| Pretax return on assets | -0.2495% | 6,365 |
| Return on Equity (ROE) | -1.1621% | 6,299 |
| Retained earnings to average equity (ytd only) | -1.1621% | 6,041 |
| Net charge-offs to loans | 1.5696% | 1,269 |
| Credit loss provision to net charge-offs | 95.3909% | 4,549 |
| Earnings coverage of net charge-offs (x) | 0.5585% | 5,462 |
| Efficiency ratio | 81.4191% | 2,141 |
| Assets per employee ($millions) | 3.8685% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 7,114 |
| Loan loss allowance to noncurrent loans | 14.1209% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 5.1382% | 1,246 |
| Noncurrent loans to loans | 5.2986% | 1,279 |
| Net loans and leases to total assets | 77.7429% | 1,080 |
| Net loans and leases to deposits | 113.1187% | 201 |
| Net loans and leases to core deposits | 121.6970% | 565 |
| Total domestic deposits to total assets | 68.7269% | 7,342 |
| Equity capital to assets | 12.1693% | 2,044 |
| Core capital (leverage) ratio | 12.2577% | 1,533 |
| Tier 1 risk-based capital ratio | 17.3330% | 2,234 |
| Total risk-based capital ratio | 18.1620% | 2,332 |
| Memoranda: | ||
| Average total assets | $233,569,500 | 2,735 |
| Average earning assets | $216,823,250 | 2,705 |
| Average equity | $29,028,000 | 2,268 |
| Average total loans | $187,983,250 | 2,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 3,896 |
| Cost of funding earning assets | 1.8401% | 1,486 |
| Net interest margin | 3.3707% | 5,754 |
| Noninterest income to average assets | 0.5602% | 3,630 |
| Noninterest expense to average assets | 3.0984% | 3,333 |
| Loan and lease loss provision to assets | 0.8352% | 1,740 |
| Net operating income to assets | -0.1889% | 6,344 |
| Return on assets (ROA) | 0.1057% | 5,965 |
| Pretax return on assets | 0.1332% | 5,917 |
| Return on Equity (ROE) | 0.8444% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.8444% | 5,430 |
| Net charge-offs to loans | 1.1003% | 1,719 |
| Credit loss provision to net charge-offs | 93.4615% | 4,317 |
| Earnings coverage of net charge-offs (x) | 0.6663% | 5,078 |
| Efficiency ratio | 83.8800% | 1,931 |
| Assets per employee ($millions) | 3.5097% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 7,175 |
| Loan loss allowance to noncurrent loans | 20.1278% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 4.0014% | 1,729 |
| Noncurrent loans to loans | 3.6607% | 2,146 |
| Net loans and leases to total assets | 80.6077% | 711 |
| Net loans and leases to deposits | 115.7420% | 179 |
| Net loans and leases to core deposits | 124.5154% | 558 |
| Total domestic deposits to total assets | 69.6442% | 7,348 |
| Equity capital to assets | 12.5283% | 1,781 |
| Core capital (leverage) ratio | 12.6456% | 1,347 |
| Tier 1 risk-based capital ratio | 20.8772% | 1,358 |
| Total risk-based capital ratio | 21.8651% | 1,376 |
| Memoranda: | ||
| Average total assets | $232,766,330 | 2,768 |
| Average earning assets | $216,397,000 | 2,726 |
| Average equity | $29,131,670 | 2,252 |
| Average total loans | $189,031,000 | 2,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 3,548 |
| Cost of funding earning assets | 1.8780% | 1,541 |
| Net interest margin | 3.4221% | 5,491 |
| Noninterest income to average assets | 0.3360% | 5,453 |
| Noninterest expense to average assets | 2.9469% | 3,869 |
| Loan and lease loss provision to assets | 0.2571% | 3,983 |
| Net operating income to assets | 0.2110% | 5,642 |
| Return on assets (ROA) | 0.6412% | 3,822 |
| Pretax return on assets | 0.9446% | 3,290 |
| Return on Equity (ROE) | 5.1256% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.1256% | 3,087 |
| Net charge-offs to loans | 0.0992% | 4,426 |
| Credit loss provision to net charge-offs | 319.1489% | 1,247 |
| Earnings coverage of net charge-offs (x) | 7.0638% | 2,135 |
| Efficiency ratio | 83.8128% | 2,042 |
| Assets per employee ($millions) | 3.7134% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 7,101 |
| Loan loss allowance to noncurrent loans | 32.9016% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 3.1593% | 2,271 |
| Noncurrent loans to loans | 2.4630% | 3,204 |
| Net loans and leases to total assets | 79.7368% | 871 |
| Net loans and leases to deposits | 114.3126% | 208 |
| Net loans and leases to core deposits | 123.0327% | 671 |
| Total domestic deposits to total assets | 69.7533% | 7,426 |
| Equity capital to assets | 12.5580% | 1,724 |
| Core capital (leverage) ratio | 12.6372% | 1,351 |
| Tier 1 risk-based capital ratio | 18.2284% | 1,891 |
| Total risk-based capital ratio | 19.1683% | 1,936 |
| Memoranda: | ||
| Average total assets | $233,328,000 | 2,833 |
| Average earning assets | $216,828,000 | 2,784 |
| Average equity | $29,187,000 | 2,272 |
| Average total loans | $189,492,500 | 2,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 4,007 |
| Cost of funding earning assets | 2.3421% | 1,487 |
| Net interest margin | 3.1846% | 6,145 |
| Noninterest income to average assets | 0.6602% | 3,218 |
| Noninterest expense to average assets | 3.1876% | 3,416 |
| Loan and lease loss provision to assets | 0.7970% | 2,739 |
| Net operating income to assets | -0.2664% | 5,917 |
| Return on assets (ROA) | -0.3083% | 5,977 |
| Pretax return on assets | -0.4378% | 5,953 |
| Return on Equity (ROE) | -2.4484% | 5,914 |
| Retained earnings to average equity (ytd only) | -2.4925% | 5,611 |
| Net charge-offs to loans | 0.8233% | 2,764 |
| Credit loss provision to net charge-offs | 118.4244% | 4,557 |
| Earnings coverage of net charge-offs (x) | 0.6226% | 5,475 |
| Efficiency ratio | 88.3817% | 1,849 |
| Assets per employee ($millions) | 3.5259% | 4,949 |
| Cash dividends to net income (ytd only)* | -1.8031% | 7,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 7,261 |
| Loan loss allowance to noncurrent loans | 30.6772% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 3.2113% | 2,138 |
| Noncurrent loans to loans | 2.4518% | 3,099 |
| Net loans and leases to total assets | 81.4249% | 774 |
| Net loans and leases to deposits | 115.6674% | 240 |
| Net loans and leases to core deposits | 150.2232% | 501 |
| Total domestic deposits to total assets | 70.3958% | 7,384 |
| Equity capital to assets | 12.4597% | 1,767 |
| Core capital (leverage) ratio | 12.5435% | 1,432 |
| Tier 1 risk-based capital ratio | 17.8801% | 1,920 |
| Total risk-based capital ratio | 18.7599% | 1,986 |
| Memoranda: | ||
| Average total assets | $233,875,600 | 2,779 |
| Average earning assets | $216,383,200 | 2,750 |
| Average equity | $29,447,800 | 2,270 |
| Average total loans | $191,193,000 | 2,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5317% | 4,265 |
| Cost of funding earning assets | 2.4126% | 1,587 |
| Net interest margin | 3.1191% | 6,259 |
| Noninterest income to average assets | 0.6064% | 3,649 |
| Noninterest expense to average assets | 3.0934% | 3,668 |
| Loan and lease loss provision to assets | 0.8660% | 2,219 |
| Net operating income to assets | -0.5016% | 6,423 |
| Return on assets (ROA) | -0.5643% | 6,486 |
| Pretax return on assets | -0.5324% | 6,338 |
| Return on Equity (ROE) | -4.4697% | 6,394 |
| Retained earnings to average equity (ytd only) | -4.5284% | 6,192 |
| Net charge-offs to loans | 0.9502% | 2,074 |
| Credit loss provision to net charge-offs | 111.5921% | 4,555 |
| Earnings coverage of net charge-offs (x) | 0.5106% | 5,517 |
| Efficiency ratio | 88.6442% | 1,809 |
| Assets per employee ($millions) | 3.5241% | 4,868 |
| Cash dividends to net income (ytd only)* | -1.3116% | 7,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 7,425 |
| Loan loss allowance to noncurrent loans | 42.8195% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.7275% | 2,545 |
| Noncurrent loans to loans | 1.5798% | 4,268 |
| Net loans and leases to total assets | 80.8431% | 1,010 |
| Net loans and leases to deposits | 117.8307% | 240 |
| Net loans and leases to core deposits | 154.0854% | 493 |
| Total domestic deposits to total assets | 68.6095% | 7,526 |
| Equity capital to assets | 12.1887% | 2,127 |
| Core capital (leverage) ratio | 12.2511% | 1,685 |
| Tier 1 risk-based capital ratio | 17.5633% | 2,106 |
| Total risk-based capital ratio | 18.3530% | 2,196 |
| Memoranda: | ||
| Average total assets | $234,167,000 | 2,791 |
| Average earning assets | $216,470,000 | 2,768 |
| Average equity | $29,561,000 | 2,282 |
| Average total loans | $191,261,250 | 2,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 4,187 |
| Cost of funding earning assets | 2.4166% | 1,898 |
| Net interest margin | 3.1591% | 6,065 |
| Noninterest income to average assets | 0.7674% | 2,603 |
| Noninterest expense to average assets | 3.0028% | 4,074 |
| Loan and lease loss provision to assets | 0.2355% | 4,706 |
| Net operating income to assets | 0.3126% | 4,836 |
| Return on assets (ROA) | 0.3126% | 4,952 |
| Pretax return on assets | 0.4479% | 4,798 |
| Return on Equity (ROE) | 2.4479% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.3607% | 4,021 |
| Net charge-offs to loans | 0.3257% | 3,553 |
| Credit loss provision to net charge-offs | 88.4244% | 4,969 |
| Earnings coverage of net charge-offs (x) | 2.5659% | 3,784 |
| Efficiency ratio | 81.4591% | 2,801 |
| Assets per employee ($millions) | 3.3764% | 5,120 |
| Cash dividends to net income (ytd only)* | 3.5616% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5706% | 7,689 |
| Loan loss allowance to noncurrent loans | 39.9271% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8373% | 2,260 |
| Noncurrent loans to loans | 1.4291% | 4,356 |
| Net loans and leases to total assets | 80.8046% | 1,171 |
| Net loans and leases to deposits | 121.2294% | 211 |
| Net loans and leases to core deposits | 162.9063% | 406 |
| Total domestic deposits to total assets | 66.6543% | 7,701 |
| Equity capital to assets | 12.6948% | 1,838 |
| Core capital (leverage) ratio | 12.8058% | 1,503 |
| Tier 1 risk-based capital ratio | 18.0704% | 2,000 |
| Total risk-based capital ratio | 18.7247% | 2,114 |
| Memoranda: | ||
| Average total assets | $233,518,330 | 2,821 |
| Average earning assets | $215,755,000 | 2,803 |
| Average equity | $29,821,670 | 2,276 |
| Average total loans | $190,954,670 | 2,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6959% | 3,826 |
| Cost of funding earning assets | 2.4129% | 2,244 |
| Net interest margin | 3.2830% | 5,556 |
| Noninterest income to average assets | 0.7497% | 2,602 |
| Noninterest expense to average assets | 2.8884% | 4,194 |
| Loan and lease loss provision to assets | 0.4050% | 2,896 |
| Net operating income to assets | 0.3412% | 5,107 |
| Return on assets (ROA) | 0.3412% | 5,290 |
| Pretax return on assets | 0.4929% | 5,099 |
| Return on Equity (ROE) | 2.6639% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,399 |
| Net charge-offs to loans | 0.5231% | 2,149 |
| Credit loss provision to net charge-offs | 94.3775% | 3,912 |
| Earnings coverage of net charge-offs (x) | 2.0924% | 3,677 |
| Efficiency ratio | 76.2858% | 3,442 |
| Assets per employee ($millions) | 3.4830% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 7,665 |
| Loan loss allowance to noncurrent loans | 38.5517% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 3.1008% | 1,818 |
| Noncurrent loans to loans | 1.5427% | 3,965 |
| Net loans and leases to total assets | 78.8978% | 1,605 |
| Net loans and leases to deposits | 121.4917% | 259 |
| Net loans and leases to core deposits | 165.8772% | 409 |
| Total domestic deposits to total assets | 64.9409% | 7,794 |
| Equity capital to assets | 12.6029% | 1,925 |
| Core capital (leverage) ratio | 12.7143% | 1,595 |
| Tier 1 risk-based capital ratio | 18.6028% | 1,906 |
| Total risk-based capital ratio | 19.2934% | 1,993 |
| Memoranda: | ||
| Average total assets | $232,103,500 | 2,854 |
| Average earning assets | $214,682,000 | 2,828 |
| Average equity | $29,730,500 | 2,300 |
| Average total loans | $190,394,000 | 2,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1282% | 4,907 |
| Cost of funding earning assets | 2.7026% | 3,144 |
| Net interest margin | 3.4256% | 5,557 |
| Noninterest income to average assets | 0.8216% | 2,398 |
| Noninterest expense to average assets | 3.1417% | 3,545 |
| Loan and lease loss provision to assets | 0.1628% | 5,299 |
| Net operating income to assets | 0.5069% | 4,697 |
| Return on assets (ROA) | 0.5069% | 4,548 |
| Pretax return on assets | 0.6773% | 4,460 |
| Return on Equity (ROE) | 3.8528% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.8321% | 2,744 |
| Net charge-offs to loans | 0.2214% | 4,011 |
| Credit loss provision to net charge-offs | 87.1671% | 5,739 |
| Earnings coverage of net charge-offs (x) | 4.4988% | 3,959 |
| Efficiency ratio | 78.9007% | 2,773 |
| Assets per employee ($millions) | 3.3935% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.5352% | 4,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 7,700 |
| Loan loss allowance to noncurrent loans | 33.0032% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 2.9402% | 1,572 |
| Noncurrent loans to loans | 1.7805% | 3,090 |
| Net loans and leases to total assets | 84.3023% | 840 |
| Net loans and leases to deposits | 136.4221% | 136 |
| Net loans and leases to core deposits | 184.7379% | 244 |
| Total domestic deposits to total assets | 61.7952% | 7,895 |
| Equity capital to assets | 13.0240% | 1,771 |
| Core capital (leverage) ratio | 13.1550% | 1,496 |
| Tier 1 risk-based capital ratio | 18.9236% | 1,831 |
| Total risk-based capital ratio | 19.6402% | 1,885 |
| Memoranda: | ||
| Average total assets | $221,157,600 | 2,863 |
| Average earning assets | $204,022,400 | 2,855 |
| Average equity | $29,096,000 | 2,326 |
| Average total loans | $186,508,600 | 2,435 |