Home > Huntington Federal Savings Bank > Performance and Condition Ratios
Huntington Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 4,509 |
| Cost of funding earning assets | 1.6579% | 1,544 |
| Net interest margin | 1.4109% | 4,517 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.7429% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2352% | 4,472 |
| Return on assets (ROA) | -0.2352% | 4,458 |
| Pretax return on assets | -0.3226% | 4,462 |
| Return on Equity (ROE) | -1.4600% | 4,403 |
| Retained earnings to average equity (ytd only) | -1.4617% | 4,227 |
| Net charge-offs to loans | 0.0550% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -12.0132% | 4,556 |
| Efficiency ratio | 122.7171% | 74 |
| Assets per employee ($millions) | 6.1124% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 3,989 |
| Loan loss allowance to noncurrent loans | 209.7078% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,244 |
| Noncurrent loans to loans | 0.3769% | 1,857 |
| Net loans and leases to total assets | 48.6100% | 3,691 |
| Net loans and leases to deposits | 62.5480% | 3,380 |
| Net loans and leases to core deposits | 73.1209% | 3,119 |
| Total domestic deposits to total assets | 77.7100% | 3,767 |
| Equity capital to assets | 15.7153% | 487 |
| Core capital (leverage) ratio | 16.1358% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $565,954,800 | 1,565 |
| Average earning assets | $546,884,800 | 1,502 |
| Average equity | $91,060,800 | 1,019 |
| Average total loans | $276,134,600 | 1,891 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0368% | 4,521 |
| Cost of funding earning assets | 1.5178% | 1,558 |
| Net interest margin | 1.5190% | 4,523 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.7289% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1859% | 4,492 |
| Return on assets (ROA) | -0.1859% | 4,477 |
| Pretax return on assets | -0.2083% | 4,474 |
| Return on Equity (ROE) | -1.1500% | 4,432 |
| Retained earnings to average equity (ytd only) | -1.1484% | 4,266 |
| Net charge-offs to loans | 0.0738% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -5.7961% | 4,587 |
| Efficiency ratio | 113.7014% | 94 |
| Assets per employee ($millions) | 5.9216% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 3,986 |
| Loan loss allowance to noncurrent loans | 153.6973% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,970 |
| Noncurrent loans to loans | 0.5203% | 1,520 |
| Net loans and leases to total assets | 49.5700% | 3,648 |
| Net loans and leases to deposits | 62.8498% | 3,342 |
| Net loans and leases to core deposits | 73.0848% | 3,051 |
| Total domestic deposits to total assets | 78.8600% | 3,717 |
| Equity capital to assets | 16.2841% | 427 |
| Core capital (leverage) ratio | 16.3939% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $563,801,750 | 1,569 |
| Average earning assets | $545,252,500 | 1,512 |
| Average equity | $91,252,250 | 1,015 |
| Average total loans | $274,794,000 | 1,899 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9872% | 4,550 |
| Cost of funding earning assets | 1.4023% | 1,442 |
| Net interest margin | 1.5849% | 4,571 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.6789% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1017% | 4,515 |
| Return on assets (ROA) | -0.1017% | 4,501 |
| Pretax return on assets | -0.1017% | 4,490 |
| Return on Equity (ROE) | -0.6300% | 4,463 |
| Retained earnings to average equity (ytd only) | -0.6298% | 4,180 |
| Net charge-offs to loans | 0.0007% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -288.0000% | 4,665 |
| Efficiency ratio | 106.4502% | 115 |
| Assets per employee ($millions) | 5.9179% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 3,882 |
| Loan loss allowance to noncurrent loans | 155.0261% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,806 |
| Noncurrent loans to loans | 0.5530% | 1,351 |
| Net loans and leases to total assets | 48.8600% | 3,637 |
| Net loans and leases to deposits | 60.4616% | 3,394 |
| Net loans and leases to core deposits | 69.7017% | 3,146 |
| Total domestic deposits to total assets | 80.8100% | 3,457 |
| Equity capital to assets | 16.2113% | 423 |
| Core capital (leverage) ratio | 16.4066% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $566,192,667 | 1,567 |
| Average earning assets | $547,528,000 | 1,504 |
| Average equity | $91,455,667 | 1,009 |
| Average total loans | $273,684,667 | 1,896 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 4,572 |
| Cost of funding earning assets | 1.2893% | 1,255 |
| Net interest margin | 1.6680% | 4,624 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.6973% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0444% | 4,511 |
| Return on assets (ROA) | -0.0444% | 4,494 |
| Pretax return on assets | -0.0451% | 4,480 |
| Return on Equity (ROE) | -0.2800% | 4,461 |
| Retained earnings to average equity (ytd only) | -0.2751% | 4,061 |
| Net charge-offs to loans | -0.0015% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.7269% | 144 |
| Assets per employee ($millions) | 5.8960% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 3,920 |
| Loan loss allowance to noncurrent loans | 168.1047% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 1,872 |
| Noncurrent loans to loans | 0.5201% | 1,420 |
| Net loans and leases to total assets | 47.6200% | 3,658 |
| Net loans and leases to deposits | 59.5350% | 3,361 |
| Net loans and leases to core deposits | 66.4890% | 3,189 |
| Total domestic deposits to total assets | 79.9800% | 3,762 |
| Equity capital to assets | 16.1418% | 395 |
| Core capital (leverage) ratio | 16.3295% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $568,189,500 | 1,579 |
| Average earning assets | $548,205,500 | 1,525 |
| Average equity | $91,613,500 | 1,018 |
| Average total loans | $272,005,500 | 1,918 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7531% | 4,366 |
| Cost of funding earning assets | 0.6401% | 753 |
| Net interest margin | 2.1131% | 4,518 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.8920% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1427% | 4,485 |
| Return on assets (ROA) | 0.1427% | 4,473 |
| Pretax return on assets | 0.1835% | 4,455 |
| Return on Equity (ROE) | 0.8800% | 4,498 |
| Retained earnings to average equity (ytd only) | 0.8807% | 4,223 |
| Net charge-offs to loans | 0.0159% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 24.4524% | 1,794 |
| Efficiency ratio | 91.1603% | 274 |
| Assets per employee ($millions) | 5.8800% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 4,236 |
| Loan loss allowance to noncurrent loans | 143.3230% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,020 |
| Noncurrent loans to loans | 0.4733% | 1,516 |
| Net loans and leases to total assets | 47.3900% | 3,712 |
| Net loans and leases to deposits | 59.9469% | 3,331 |
| Net loans and leases to core deposits | 66.0502% | 3,129 |
| Total domestic deposits to total assets | 79.0500% | 4,000 |
| Equity capital to assets | 16.1059% | 382 |
| Core capital (leverage) ratio | 16.4722% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $559,785,800 | 1,587 |
| Average earning assets | $538,077,600 | 1,529 |
| Average equity | $90,718,600 | 1,028 |
| Average total loans | $264,555,200 | 1,876 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7159% | 4,285 |
| Cost of funding earning assets | 0.5266% | 654 |
| Net interest margin | 2.1893% | 4,469 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.8604% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2123% | 4,465 |
| Return on assets (ROA) | 0.2123% | 4,432 |
| Pretax return on assets | 0.2869% | 4,390 |
| Return on Equity (ROE) | 1.3100% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.3078% | 4,174 |
| Net charge-offs to loans | 0.0218% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 27.8837% | 1,559 |
| Efficiency ratio | 86.6377% | 439 |
| Assets per employee ($millions) | 5.6778% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 4,278 |
| Loan loss allowance to noncurrent loans | 160.7143% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,231 |
| Noncurrent loans to loans | 0.4257% | 1,746 |
| Net loans and leases to total assets | 48.1300% | 3,619 |
| Net loans and leases to deposits | 60.5684% | 3,146 |
| Net loans and leases to core deposits | 66.1158% | 2,948 |
| Total domestic deposits to total assets | 79.4700% | 4,148 |
| Equity capital to assets | 16.3359% | 353 |
| Core capital (leverage) ratio | 16.8646% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $557,141,500 | 1,603 |
| Average earning assets | $535,009,000 | 1,555 |
| Average equity | $90,432,750 | 1,043 |
| Average total loans | $262,663,500 | 1,886 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6769% | 4,175 |
| Cost of funding earning assets | 0.5100% | 489 |
| Net interest margin | 2.1669% | 4,475 |
| Noninterest income to average assets | 0.0452% | 4,643 |
| Noninterest expense to average assets | 1.8400% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2135% | 4,402 |
| Return on assets (ROA) | 0.2135% | 4,362 |
| Pretax return on assets | 0.2892% | 4,311 |
| Return on Equity (ROE) | 1.3181% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.3181% | 3,921 |
| Net charge-offs to loans | 0.0330% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.7442% | 1,573 |
| Efficiency ratio | 86.4173% | 566 |
| Assets per employee ($millions) | 5.6350% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,347 |
| Loan loss allowance to noncurrent loans | 175.7143% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,408 |
| Noncurrent loans to loans | 0.3921% | 1,959 |
| Net loans and leases to total assets | 47.6682% | 3,576 |
| Net loans and leases to deposits | 59.3644% | 3,103 |
| Net loans and leases to core deposits | 63.8993% | 2,978 |
| Total domestic deposits to total assets | 80.2976% | 4,202 |
| Equity capital to assets | 16.2412% | 316 |
| Core capital (leverage) ratio | 16.6766% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,382,000 | 1,604 |
| Average earning assets | $536,073,667 | 1,565 |
| Average equity | $90,278,333 | 1,049 |
| Average total loans | $260,327,333 | 1,894 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 4,060 |
| Cost of funding earning assets | 0.5205% | 449 |
| Net interest margin | 2.1141% | 4,426 |
| Noninterest income to average assets | 0.0438% | 4,669 |
| Noninterest expense to average assets | 1.8624% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1515% | 4,401 |
| Return on assets (ROA) | 0.1515% | 4,368 |
| Pretax return on assets | 0.2111% | 4,312 |
| Return on Equity (ROE) | 0.9366% | 4,434 |
| Retained earnings to average equity (ytd only) | 0.9366% | 3,836 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8199% | 555 |
| Assets per employee ($millions) | 5.5677% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 4,340 |
| Loan loss allowance to noncurrent loans | 265.9155% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 2,829 |
| Noncurrent loans to loans | 0.2743% | 2,491 |
| Net loans and leases to total assets | 46.1464% | 3,560 |
| Net loans and leases to deposits | 56.7243% | 3,194 |
| Net loans and leases to core deposits | 61.3709% | 3,033 |
| Total domestic deposits to total assets | 81.3521% | 4,162 |
| Equity capital to assets | 16.2043% | 306 |
| Core capital (leverage) ratio | 16.6120% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,140,500 | 1,609 |
| Average earning assets | $534,887,000 | 1,573 |
| Average equity | $90,115,500 | 1,085 |
| Average total loans | $256,606,500 | 1,904 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7963% | 4,210 |
| Cost of funding earning assets | 0.6467% | 427 |
| Net interest margin | 2.1497% | 4,514 |
| Noninterest income to average assets | 0.0635% | 4,695 |
| Noninterest expense to average assets | 1.8748% | 3,985 |
| Loan and lease loss provision to assets | 0.0180% | 2,711 |
| Net operating income to assets | 0.1718% | 4,562 |
| Return on assets (ROA) | 0.1718% | 4,575 |
| Pretax return on assets | 0.2354% | 4,539 |
| Return on Equity (ROE) | 1.0682% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.0682% | 4,243 |
| Net charge-offs to loans | 0.0162% | 1,980 |
| Credit loss provision to net charge-offs | 250.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 35.2250% | 1,503 |
| Efficiency ratio | 88.0916% | 384 |
| Assets per employee ($millions) | 5.6314% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,361 |
| Loan loss allowance to noncurrent loans | 167.0796% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 2,500 |
| Noncurrent loans to loans | 0.4442% | 2,024 |
| Net loans and leases to total assets | 45.2919% | 3,743 |
| Net loans and leases to deposits | 55.5909% | 3,460 |
| Net loans and leases to core deposits | 60.0699% | 3,307 |
| Total domestic deposits to total assets | 81.4737% | 4,043 |
| Equity capital to assets | 16.1450% | 367 |
| Core capital (leverage) ratio | 16.6484% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,961,000 | 1,556 |
| Average earning assets | $533,982,800 | 1,507 |
| Average equity | $89,405,800 | 1,109 |
| Average total loans | $246,372,000 | 1,954 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 4,264 |
| Cost of funding earning assets | 0.6698% | 452 |
| Net interest margin | 2.1575% | 4,594 |
| Noninterest income to average assets | 0.0689% | 4,757 |
| Noninterest expense to average assets | 1.7898% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2707% | 4,557 |
| Return on assets (ROA) | 0.2707% | 4,579 |
| Pretax return on assets | 0.3530% | 4,547 |
| Return on Equity (ROE) | 1.6850% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.6850% | 4,276 |
| Net charge-offs to loans | 0.0224% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 35.8780% | 1,439 |
| Efficiency ratio | 83.5256% | 545 |
| Assets per employee ($millions) | 5.6271% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,499 |
| Loan loss allowance to noncurrent loans | 134.5893% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,458 |
| Noncurrent loans to loans | 0.5216% | 1,996 |
| Net loans and leases to total assets | 45.3509% | 3,842 |
| Net loans and leases to deposits | 55.6745% | 3,610 |
| Net loans and leases to core deposits | 60.1642% | 3,461 |
| Total domestic deposits to total assets | 81.4573% | 4,020 |
| Equity capital to assets | 16.1108% | 405 |
| Core capital (leverage) ratio | 16.5667% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,573,750 | 1,568 |
| Average earning assets | $534,058,250 | 1,521 |
| Average equity | $89,254,750 | 1,122 |
| Average total loans | $244,366,250 | 1,988 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8559% | 4,277 |
| Cost of funding earning assets | 0.6958% | 478 |
| Net interest margin | 2.1601% | 4,624 |
| Noninterest income to average assets | 0.0822% | 4,752 |
| Noninterest expense to average assets | 1.7209% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3174% | 4,507 |
| Return on assets (ROA) | 0.3174% | 4,530 |
| Pretax return on assets | 0.4385% | 4,464 |
| Return on Equity (ROE) | 1.9778% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.9778% | 4,116 |
| Net charge-offs to loans | 0.0349% | 1,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 28.9762% | 1,328 |
| Efficiency ratio | 79.6930% | 806 |
| Assets per employee ($millions) | 5.6626% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 4,518 |
| Loan loss allowance to noncurrent loans | 121.4966% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 2,445 |
| Noncurrent loans to loans | 0.5865% | 1,935 |
| Net loans and leases to total assets | 44.3920% | 4,017 |
| Net loans and leases to deposits | 54.3853% | 3,832 |
| Net loans and leases to core deposits | 58.8242% | 3,700 |
| Total domestic deposits to total assets | 81.6251% | 3,989 |
| Equity capital to assets | 15.9659% | 417 |
| Core capital (leverage) ratio | 16.4734% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,069,333 | 1,561 |
| Average earning assets | $533,764,667 | 1,520 |
| Average equity | $89,089,333 | 1,113 |
| Average total loans | $241,011,667 | 2,023 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8654% | 4,295 |
| Cost of funding earning assets | 0.7370% | 474 |
| Net interest margin | 2.1284% | 4,662 |
| Noninterest income to average assets | 0.1282% | 4,558 |
| Noninterest expense to average assets | 1.7077% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3759% | 4,402 |
| Return on assets (ROA) | 0.3759% | 4,431 |
| Pretax return on assets | 0.4722% | 4,390 |
| Return on Equity (ROE) | 2.3357% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.3357% | 3,944 |
| Net charge-offs to loans | -0.0017% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3389% | 931 |
| Assets per employee ($millions) | 5.6858% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,474 |
| Loan loss allowance to noncurrent loans | 159.5113% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 2,732 |
| Noncurrent loans to loans | 0.4765% | 2,416 |
| Net loans and leases to total assets | 43.2725% | 4,159 |
| Net loans and leases to deposits | 52.0268% | 4,043 |
| Net loans and leases to core deposits | 56.2371% | 3,957 |
| Total domestic deposits to total assets | 83.1734% | 3,647 |
| Equity capital to assets | 16.1626% | 373 |
| Core capital (leverage) ratio | 16.6837% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,306,000 | 1,555 |
| Average earning assets | $532,412,500 | 1,509 |
| Average equity | $88,882,000 | 1,105 |
| Average total loans | $236,194,500 | 2,055 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 4,519 |
| Cost of funding earning assets | 1.1126% | 380 |
| Net interest margin | 2.0273% | 4,818 |
| Noninterest income to average assets | 0.0387% | 4,880 |
| Noninterest expense to average assets | 1.7813% | 4,499 |
| Loan and lease loss provision to assets | -0.0182% | 4,912 |
| Net operating income to assets | 0.1787% | 4,602 |
| Return on assets (ROA) | 0.1787% | 4,656 |
| Pretax return on assets | 0.2361% | 4,623 |
| Return on Equity (ROE) | 1.1056% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.1056% | 4,187 |
| Net charge-offs to loans | -0.1674% | 4,875 |
| Credit loss provision to net charge-offs | 26.4550% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1017% | 405 |
| Assets per employee ($millions) | 5.5867% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,449 |
| Loan loss allowance to noncurrent loans | 153.5294% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 2,796 |
| Noncurrent loans to loans | 0.5131% | 2,438 |
| Net loans and leases to total assets | 41.5984% | 4,373 |
| Net loans and leases to deposits | 49.9135% | 4,320 |
| Net loans and leases to core deposits | 53.8873% | 4,259 |
| Total domestic deposits to total assets | 83.3409% | 3,316 |
| Equity capital to assets | 16.0234% | 425 |
| Core capital (leverage) ratio | 16.5508% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,468,600 | 1,433 |
| Average earning assets | $530,401,800 | 1,392 |
| Average equity | $88,637,200 | 1,070 |
| Average total loans | $225,760,200 | 2,065 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1934% | 4,597 |
| Cost of funding earning assets | 1.1854% | 390 |
| Net interest margin | 2.0081% | 4,884 |
| Noninterest income to average assets | 0.0421% | 4,904 |
| Noninterest expense to average assets | 1.7140% | 4,608 |
| Loan and lease loss provision to assets | -0.0243% | 4,973 |
| Net operating income to assets | 0.2251% | 4,553 |
| Return on assets (ROA) | 0.2251% | 4,595 |
| Pretax return on assets | 0.2974% | 4,552 |
| Return on Equity (ROE) | 1.3898% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.3898% | 4,119 |
| Net charge-offs to loans | -0.2295% | 4,938 |
| Credit loss provision to net charge-offs | 25.9067% | 2,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2572% | 489 |
| Assets per employee ($millions) | 5.6340% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 4,335 |
| Loan loss allowance to noncurrent loans | 169.3727% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,037 |
| Noncurrent loans to loans | 0.4800% | 2,623 |
| Net loans and leases to total assets | 40.5716% | 4,546 |
| Net loans and leases to deposits | 48.6626% | 4,529 |
| Net loans and leases to core deposits | 52.7651% | 4,494 |
| Total domestic deposits to total assets | 83.3733% | 3,034 |
| Equity capital to assets | 16.1270% | 458 |
| Core capital (leverage) ratio | 16.5759% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,314,250 | 1,426 |
| Average earning assets | $530,115,750 | 1,377 |
| Average equity | $88,640,750 | 1,058 |
| Average total loans | $224,224,750 | 2,075 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2517% | 4,681 |
| Cost of funding earning assets | 1.2363% | 455 |
| Net interest margin | 2.0154% | 4,943 |
| Noninterest income to average assets | 0.0337% | 4,947 |
| Noninterest expense to average assets | 1.6701% | 4,712 |
| Loan and lease loss provision to assets | -0.0366% | 5,014 |
| Net operating income to assets | 0.2727% | 4,466 |
| Return on assets (ROA) | 0.2727% | 4,505 |
| Pretax return on assets | 0.3522% | 4,468 |
| Return on Equity (ROE) | 1.6812% | 4,591 |
| Retained earnings to average equity (ytd only) | 1.6812% | 3,878 |
| Net charge-offs to loans | -0.3523% | 4,985 |
| Credit loss provision to net charge-offs | 25.3807% | 2,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1085% | 631 |
| Assets per employee ($millions) | 5.6168% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,262 |
| Loan loss allowance to noncurrent loans | 139.1698% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 2,989 |
| Noncurrent loans to loans | 0.5958% | 2,365 |
| Net loans and leases to total assets | 40.0638% | 4,602 |
| Net loans and leases to deposits | 48.0751% | 4,592 |
| Net loans and leases to core deposits | 52.2419% | 4,553 |
| Total domestic deposits to total assets | 83.3358% | 2,981 |
| Equity capital to assets | 16.1435% | 454 |
| Core capital (leverage) ratio | 16.6760% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,707,333 | 1,404 |
| Average earning assets | $528,519,667 | 1,353 |
| Average equity | $88,506,667 | 1,049 |
| Average total loans | $223,684,333 | 2,055 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3080% | 4,805 |
| Cost of funding earning assets | 1.2828% | 588 |
| Net interest margin | 2.0252% | 5,005 |
| Noninterest income to average assets | 0.0464% | 4,981 |
| Noninterest expense to average assets | 1.6793% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3092% | 4,325 |
| Return on assets (ROA) | 0.3092% | 4,349 |
| Pretax return on assets | 0.3291% | 4,405 |
| Return on Equity (ROE) | 1.9020% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.9020% | 3,480 |
| Net charge-offs to loans | -0.7293% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6144% | 855 |
| Assets per employee ($millions) | 5.5880% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,201 |
| Loan loss allowance to noncurrent loans | 99.1392% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,685 |
| Noncurrent loans to loans | 0.8840% | 1,846 |
| Net loans and leases to total assets | 40.8564% | 4,633 |
| Net loans and leases to deposits | 49.1314% | 4,622 |
| Net loans and leases to core deposits | 53.6856% | 4,579 |
| Total domestic deposits to total assets | 83.1573% | 3,060 |
| Equity capital to assets | 16.3344% | 528 |
| Core capital (leverage) ratio | 16.6944% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $543,336,000 | 1,367 |
| Average earning assets | $526,358,500 | 1,317 |
| Average equity | $88,329,000 | 1,048 |
| Average total loans | $224,339,000 | 2,026 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 4,962 |
| Cost of funding earning assets | 1.2177% | 987 |
| Net interest margin | 2.0952% | 5,082 |
| Noninterest income to average assets | 0.0296% | 5,080 |
| Noninterest expense to average assets | 1.8312% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1729% | 4,867 |
| Return on assets (ROA) | 0.1729% | 4,889 |
| Pretax return on assets | 0.2269% | 4,868 |
| Return on Equity (ROE) | 1.0538% | 4,910 |
| Retained earnings to average equity (ytd only) | 1.0538% | 4,365 |
| Net charge-offs to loans | 0.0340% | 2,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 16.0395% | 2,198 |
| Efficiency ratio | 88.9773% | 395 |
| Assets per employee ($millions) | 5.6733% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 4,599 |
| Loan loss allowance to noncurrent loans | 82.1751% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 2,777 |
| Noncurrent loans to loans | 0.8368% | 1,837 |
| Net loans and leases to total assets | 41.0760% | 4,699 |
| Net loans and leases to deposits | 49.3014% | 4,705 |
| Net loans and leases to core deposits | 53.7631% | 4,654 |
| Total domestic deposits to total assets | 83.3161% | 3,097 |
| Equity capital to assets | 16.1795% | 574 |
| Core capital (leverage) ratio | 16.7022% | 448 |
| Tier 1 risk-based capital ratio | 48.9722% | 139 |
| Total risk-based capital ratio | 49.8209% | 139 |
| Memoranda: | ||
| Average total assets | $537,355,800 | 1,336 |
| Average earning assets | $520,229,400 | 1,290 |
| Average equity | $88,157,800 | 1,003 |
| Average total loans | $223,632,800 | 2,007 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3141% | 5,061 |
| Cost of funding earning assets | 1.1892% | 1,060 |
| Net interest margin | 2.1249% | 5,165 |
| Noninterest income to average assets | 0.0212% | 5,168 |
| Noninterest expense to average assets | 1.7440% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2537% | 4,899 |
| Return on assets (ROA) | 0.2537% | 4,914 |
| Pretax return on assets | 0.3341% | 4,872 |
| Return on Equity (ROE) | 1.5410% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.5410% | 4,417 |
| Net charge-offs to loans | 0.0078% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 103.2481% | 737 |
| Efficiency ratio | 83.9224% | 617 |
| Assets per employee ($millions) | 5.6584% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,604 |
| Loan loss allowance to noncurrent loans | 67.6878% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,614 |
| Noncurrent loans to loans | 1.0659% | 1,498 |
| Net loans and leases to total assets | 41.2889% | 4,772 |
| Net loans and leases to deposits | 49.6765% | 4,781 |
| Net loans and leases to core deposits | 54.1561% | 4,740 |
| Total domestic deposits to total assets | 83.1156% | 3,125 |
| Equity capital to assets | 16.4871% | 561 |
| Core capital (leverage) ratio | 16.9516% | 451 |
| Tier 1 risk-based capital ratio | 49.6932% | 138 |
| Total risk-based capital ratio | 50.5887% | 138 |
| Memoranda: | ||
| Average total assets | $535,536,750 | 1,345 |
| Average earning assets | $518,420,250 | 1,296 |
| Average equity | $88,167,500 | 995 |
| Average total loans | $223,225,500 | 2,015 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3215% | 5,116 |
| Cost of funding earning assets | 1.1510% | 1,137 |
| Net interest margin | 2.1706% | 5,216 |
| Noninterest income to average assets | 0.0131% | 5,231 |
| Noninterest expense to average assets | 1.7444% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2726% | 4,909 |
| Return on assets (ROA) | 0.2726% | 4,921 |
| Pretax return on assets | 0.3702% | 4,862 |
| Return on Equity (ROE) | 1.6565% | 4,986 |
| Retained earnings to average equity (ytd only) | 1.6565% | 4,224 |
| Net charge-offs to loans | 0.0099% | 2,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 746 |
| Efficiency ratio | 82.4934% | 767 |
| Assets per employee ($millions) | 5.7317% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 4,658 |
| Loan loss allowance to noncurrent loans | 80.9023% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,005 |
| Noncurrent loans to loans | 0.8951% | 1,826 |
| Net loans and leases to total assets | 41.5099% | 4,801 |
| Net loans and leases to deposits | 49.9929% | 4,805 |
| Net loans and leases to core deposits | 54.3657% | 4,771 |
| Total domestic deposits to total assets | 83.0316% | 3,192 |
| Equity capital to assets | 16.5716% | 523 |
| Core capital (leverage) ratio | 16.8875% | 444 |
| Tier 1 risk-based capital ratio | 49.9028% | 137 |
| Total risk-based capital ratio | 50.8055% | 142 |
| Memoranda: | ||
| Average total assets | $534,866,000 | 1,347 |
| Average earning assets | $517,831,330 | 1,294 |
| Average equity | $88,014,670 | 989 |
| Average total loans | $223,113,670 | 2,031 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 5,167 |
| Cost of funding earning assets | 1.1059% | 1,161 |
| Net interest margin | 2.2025% | 5,277 |
| Noninterest income to average assets | -0.0090% | 5,326 |
| Noninterest expense to average assets | 1.6313% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3696% | 4,793 |
| Return on assets (ROA) | 0.3696% | 4,799 |
| Pretax return on assets | 0.4905% | 4,711 |
| Return on Equity (ROE) | 2.2537% | 4,932 |
| Retained earnings to average equity (ytd only) | 2.2537% | 3,994 |
| Net charge-offs to loans | 0.0520% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.6552% | 1,491 |
| Efficiency ratio | 76.8825% | 1,393 |
| Assets per employee ($millions) | 5.3068% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 4,750 |
| Loan loss allowance to noncurrent loans | 81.6368% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 2,933 |
| Noncurrent loans to loans | 0.8736% | 1,898 |
| Net loans and leases to total assets | 41.4526% | 4,848 |
| Net loans and leases to deposits | 49.8522% | 4,819 |
| Net loans and leases to core deposits | 53.9497% | 4,787 |
| Total domestic deposits to total assets | 83.1510% | 3,332 |
| Equity capital to assets | 16.4372% | 510 |
| Core capital (leverage) ratio | 16.8398% | 442 |
| Tier 1 risk-based capital ratio | 49.1460% | 138 |
| Total risk-based capital ratio | 50.0275% | 142 |
| Memoranda: | ||
| Average total assets | $535,773,500 | 1,350 |
| Average earning assets | $518,316,500 | 1,299 |
| Average equity | $87,854,500 | 986 |
| Average total loans | $223,229,000 | 2,041 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2351% | 5,125 |
| Cost of funding earning assets | 0.9178% | 1,035 |
| Net interest margin | 2.3172% | 5,280 |
| Noninterest income to average assets | 0.0197% | 5,323 |
| Noninterest expense to average assets | 1.6882% | 5,102 |
| Loan and lease loss provision to assets | 0.0186% | 3,790 |
| Net operating income to assets | 0.4209% | 4,827 |
| Return on assets (ROA) | 0.4209% | 4,820 |
| Pretax return on assets | 0.5552% | 4,713 |
| Return on Equity (ROE) | 2.6266% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.6266% | 4,091 |
| Net charge-offs to loans | 0.0735% | 2,068 |
| Credit loss provision to net charge-offs | 62.1118% | 3,078 |
| Earnings coverage of net charge-offs (x) | 19.2050% | 2,082 |
| Efficiency ratio | 74.6329% | 1,547 |
| Assets per employee ($millions) | 5.8213% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7297% | 4,732 |
| Loan loss allowance to noncurrent loans | 100.6192% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,027 |
| Noncurrent loans to loans | 0.7253% | 2,177 |
| Net loans and leases to total assets | 41.2757% | 4,904 |
| Net loans and leases to deposits | 49.5872% | 4,895 |
| Net loans and leases to core deposits | 53.4929% | 4,862 |
| Total domestic deposits to total assets | 83.2386% | 3,251 |
| Equity capital to assets | 16.3581% | 483 |
| Core capital (leverage) ratio | 16.7483% | 432 |
| Tier 1 risk-based capital ratio | 48.9818% | 140 |
| Total risk-based capital ratio | 49.8811% | 141 |
| Memoranda: | ||
| Average total assets | $538,857,000 | 1,314 |
| Average earning assets | $521,442,000 | 1,265 |
| Average equity | $86,347,800 | 968 |
| Average total loans | $219,028,600 | 2,031 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 5,186 |
| Cost of funding earning assets | 0.8755% | 1,012 |
| Net interest margin | 2.3462% | 5,334 |
| Noninterest income to average assets | 0.0400% | 5,366 |
| Noninterest expense to average assets | 1.5957% | 5,208 |
| Loan and lease loss provision to assets | 0.0247% | 3,524 |
| Net operating income to assets | 0.5146% | 4,727 |
| Return on assets (ROA) | 0.5146% | 4,727 |
| Pretax return on assets | 0.6917% | 4,553 |
| Return on Equity (ROE) | 3.2281% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.2281% | 4,131 |
| Net charge-offs to loans | 0.0984% | 1,510 |
| Credit loss provision to net charge-offs | 62.1118% | 2,722 |
| Earnings coverage of net charge-offs (x) | 18.0125% | 2,078 |
| Efficiency ratio | 69.0138% | 2,354 |
| Assets per employee ($millions) | 5.8904% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 4,794 |
| Loan loss allowance to noncurrent loans | 95.7008% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,245 |
| Noncurrent loans to loans | 0.7701% | 2,161 |
| Net loans and leases to total assets | 40.8329% | 5,003 |
| Net loans and leases to deposits | 49.0743% | 4,980 |
| Net loans and leases to core deposits | 52.8359% | 4,942 |
| Total domestic deposits to total assets | 83.2062% | 3,231 |
| Equity capital to assets | 16.2291% | 497 |
| Core capital (leverage) ratio | 16.6357% | 447 |
| Tier 1 risk-based capital ratio | 49.1521% | 141 |
| Total risk-based capital ratio | 50.0563% | 141 |
| Memoranda: | ||
| Average total assets | $539,682,000 | 1,313 |
| Average earning assets | $522,657,500 | 1,264 |
| Average equity | $86,033,000 | 969 |
| Average total loans | $218,115,750 | 2,050 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 5,204 |
| Cost of funding earning assets | 0.8289% | 1,011 |
| Net interest margin | 2.3959% | 5,384 |
| Noninterest income to average assets | 0.0385% | 5,424 |
| Noninterest expense to average assets | 1.5637% | 5,297 |
| Loan and lease loss provision to assets | 0.0370% | 3,174 |
| Net operating income to assets | 0.5557% | 4,618 |
| Return on assets (ROA) | 0.5557% | 4,618 |
| Pretax return on assets | 0.7550% | 4,377 |
| Return on Equity (ROE) | 3.5070% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,835 |
| Net charge-offs to loans | 0.1150% | 1,235 |
| Credit loss provision to net charge-offs | 80.0000% | 2,256 |
| Earnings coverage of net charge-offs (x) | 17.1360% | 1,968 |
| Efficiency ratio | 66.3789% | 2,913 |
| Assets per employee ($millions) | 5.9954% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,794 |
| Loan loss allowance to noncurrent loans | 100.1206% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,283 |
| Noncurrent loans to loans | 0.7667% | 2,202 |
| Net loans and leases to total assets | 39.7923% | 5,062 |
| Net loans and leases to deposits | 47.6694% | 5,038 |
| Net loans and leases to core deposits | 51.0312% | 5,019 |
| Total domestic deposits to total assets | 83.4756% | 3,258 |
| Equity capital to assets | 16.0142% | 500 |
| Core capital (leverage) ratio | 16.4239% | 452 |
| Tier 1 risk-based capital ratio | 49.0755% | 140 |
| Total risk-based capital ratio | 50.0041% | 141 |
| Memoranda: | ||
| Average total assets | $540,900,670 | 1,315 |
| Average earning assets | $523,134,000 | 1,266 |
| Average equity | $85,713,330 | 974 |
| Average total loans | $217,321,000 | 2,059 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2575% | 5,188 |
| Cost of funding earning assets | 0.7806% | 1,044 |
| Net interest margin | 2.4769% | 5,407 |
| Noninterest income to average assets | 0.0510% | 5,472 |
| Noninterest expense to average assets | 1.5585% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6714% | 4,205 |
| Return on assets (ROA) | 0.6714% | 4,208 |
| Pretax return on assets | 0.8900% | 3,879 |
| Return on Equity (ROE) | 4.2594% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.2594% | 3,483 |
| Net charge-offs to loans | 0.0790% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.0233% | 1,283 |
| Efficiency ratio | 63.6501% | 3,535 |
| Assets per employee ($millions) | 5.9548% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 4,902 |
| Loan loss allowance to noncurrent loans | 97.8559% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,411 |
| Noncurrent loans to loans | 0.7729% | 2,275 |
| Net loans and leases to total assets | 39.7857% | 5,076 |
| Net loans and leases to deposits | 47.5657% | 5,054 |
| Net loans and leases to core deposits | 50.3777% | 5,032 |
| Total domestic deposits to total assets | 83.6437% | 3,455 |
| Equity capital to assets | 15.8372% | 514 |
| Core capital (leverage) ratio | 16.3563% | 447 |
| Tier 1 risk-based capital ratio | 48.5139% | 144 |
| Total risk-based capital ratio | 49.4282% | 144 |
| Memoranda: | ||
| Average total assets | $541,556,500 | 1,325 |
| Average earning assets | $524,207,000 | 1,279 |
| Average equity | $85,364,500 | 979 |
| Average total loans | $217,793,500 | 2,059 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1932% | 5,196 |
| Cost of funding earning assets | 0.7404% | 847 |
| Net interest margin | 2.4528% | 5,434 |
| Noninterest income to average assets | 0.0386% | 5,557 |
| Noninterest expense to average assets | 1.6314% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3730% | 4,779 |
| Return on assets (ROA) | 0.3730% | 4,795 |
| Pretax return on assets | 0.7831% | 4,297 |
| Return on Equity (ROE) | 2.4205% | 4,970 |
| Retained earnings to average equity (ytd only) | 2.4205% | 3,882 |
| Net charge-offs to loans | 0.0066% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 305.4286% | 284 |
| Efficiency ratio | 67.5667% | 2,983 |
| Assets per employee ($millions) | 5.8829% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,901 |
| Loan loss allowance to noncurrent loans | 46.5746% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 2,234 |
| Noncurrent loans to loans | 1.6579% | 992 |
| Net loans and leases to total assets | 40.0321% | 5,132 |
| Net loans and leases to deposits | 47.7666% | 5,132 |
| Net loans and leases to core deposits | 50.0197% | 5,133 |
| Total domestic deposits to total assets | 83.8078% | 3,278 |
| Equity capital to assets | 15.6883% | 554 |
| Core capital (leverage) ratio | 16.0390% | 473 |
| Tier 1 risk-based capital ratio | 47.3385% | 136 |
| Total risk-based capital ratio | 48.2677% | 138 |
| Memoranda: | ||
| Average total assets | $546,050,800 | 1,288 |
| Average earning assets | $528,900,000 | 1,240 |
| Average equity | $84,157,000 | 966 |
| Average total loans | $211,759,800 | 2,060 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2026% | 5,228 |
| Cost of funding earning assets | 0.7537% | 742 |
| Net interest margin | 2.4489% | 5,503 |
| Noninterest income to average assets | 0.0256% | 5,642 |
| Noninterest expense to average assets | 1.5322% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5389% | 4,619 |
| Return on assets (ROA) | 0.5389% | 4,652 |
| Pretax return on assets | 0.8644% | 4,159 |
| Return on Equity (ROE) | 3.5123% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.5123% | 3,824 |
| Net charge-offs to loans | -0.0095% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9321% | 3,560 |
| Assets per employee ($millions) | 5.8417% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,903 |
| Loan loss allowance to noncurrent loans | 52.2374% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 2,680 |
| Noncurrent loans to loans | 1.5256% | 1,221 |
| Net loans and leases to total assets | 39.3197% | 5,219 |
| Net loans and leases to deposits | 46.9144% | 5,229 |
| Net loans and leases to core deposits | 49.2872% | 5,224 |
| Total domestic deposits to total assets | 83.8115% | 3,191 |
| Equity capital to assets | 15.6501% | 610 |
| Core capital (leverage) ratio | 15.9419% | 499 |
| Tier 1 risk-based capital ratio | 47.6133% | 143 |
| Total risk-based capital ratio | 48.5624% | 145 |
| Memoranda: | ||
| Average total assets | $547,256,000 | 1,298 |
| Average earning assets | $529,846,750 | 1,251 |
| Average equity | $83,968,750 | 975 |
| Average total loans | $210,111,750 | 2,084 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1912% | 5,252 |
| Cost of funding earning assets | 0.7175% | 815 |
| Net interest margin | 2.4737% | 5,523 |
| Noninterest income to average assets | 0.0237% | 5,696 |
| Noninterest expense to average assets | 1.4940% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5822% | 4,381 |
| Return on assets (ROA) | 0.5822% | 4,435 |
| Pretax return on assets | 0.9227% | 3,858 |
| Return on Equity (ROE) | 3.8198% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,418 |
| Net charge-offs to loans | -0.0029% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8193% | 4,022 |
| Assets per employee ($millions) | 5.8414% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,936 |
| Loan loss allowance to noncurrent loans | 32.1449% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 1,804 |
| Noncurrent loans to loans | 2.5065% | 597 |
| Net loans and leases to total assets | 38.2060% | 5,296 |
| Net loans and leases to deposits | 45.4029% | 5,300 |
| Net loans and leases to core deposits | 47.6181% | 5,296 |
| Total domestic deposits to total assets | 84.1487% | 3,142 |
| Equity capital to assets | 15.3721% | 639 |
| Core capital (leverage) ratio | 15.7776% | 504 |
| Tier 1 risk-based capital ratio | 47.0706% | 144 |
| Total risk-based capital ratio | 47.9998% | 147 |
| Memoranda: | ||
| Average total assets | $548,583,000 | 1,304 |
| Average earning assets | $530,710,670 | 1,251 |
| Average equity | $83,617,330 | 980 |
| Average total loans | $208,372,330 | 2,099 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1880% | 5,261 |
| Cost of funding earning assets | 0.7068% | 817 |
| Net interest margin | 2.4812% | 5,563 |
| Noninterest income to average assets | 0.0321% | 5,758 |
| Noninterest expense to average assets | 1.4955% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6026% | 4,153 |
| Return on assets (ROA) | 0.6026% | 4,206 |
| Pretax return on assets | 0.9389% | 3,631 |
| Return on Equity (ROE) | 3.9701% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.9701% | 3,461 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4324% | 4,238 |
| Assets per employee ($millions) | 5.7309% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 5,025 |
| Loan loss allowance to noncurrent loans | 36.6379% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 2,139 |
| Noncurrent loans to loans | 2.2266% | 756 |
| Net loans and leases to total assets | 37.5679% | 5,343 |
| Net loans and leases to deposits | 44.6045% | 5,352 |
| Net loans and leases to core deposits | 46.6237% | 5,347 |
| Total domestic deposits to total assets | 84.2244% | 3,381 |
| Equity capital to assets | 15.2017% | 616 |
| Core capital (leverage) ratio | 15.6395% | 507 |
| Tier 1 risk-based capital ratio | 46.9659% | 155 |
| Total risk-based capital ratio | 47.9041% | 157 |
| Memoranda: | ||
| Average total assets | $548,328,500 | 1,307 |
| Average earning assets | $530,872,500 | 1,249 |
| Average equity | $83,222,500 | 979 |
| Average total loans | $206,813,500 | 2,124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,190 |
| Cost of funding earning assets | 0.7086% | 787 |
| Net interest margin | 2.5709% | 5,542 |
| Noninterest income to average assets | 0.0247% | 5,816 |
| Noninterest expense to average assets | 1.5837% | 5,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5808% | 4,289 |
| Return on assets (ROA) | 0.6302% | 4,200 |
| Pretax return on assets | 0.9919% | 3,503 |
| Return on Equity (ROE) | 4.2394% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.2394% | 2,889 |
| Net charge-offs to loans | -0.0102% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3852% | 4,045 |
| Assets per employee ($millions) | 6.0054% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 5,026 |
| Loan loss allowance to noncurrent loans | 38.8838% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 2,283 |
| Noncurrent loans to loans | 2.1302% | 815 |
| Net loans and leases to total assets | 37.2451% | 5,437 |
| Net loans and leases to deposits | 44.1553% | 5,426 |
| Net loans and leases to core deposits | 46.2989% | 5,419 |
| Total domestic deposits to total assets | 84.3503% | 3,290 |
| Equity capital to assets | 15.1531% | 616 |
| Core capital (leverage) ratio | 15.5423% | 525 |
| Tier 1 risk-based capital ratio | 46.9665% | 159 |
| Total risk-based capital ratio | 47.9138% | 158 |
| Memoranda: | ||
| Average total assets | $547,633,000 | 1,264 |
| Average earning assets | $526,984,000 | 1,214 |
| Average equity | $81,403,000 | 977 |
| Average total loans | $206,246,600 | 2,068 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 5,223 |
| Cost of funding earning assets | 0.7080% | 784 |
| Net interest margin | 2.5844% | 5,599 |
| Noninterest income to average assets | 0.0241% | 5,892 |
| Noninterest expense to average assets | 1.5031% | 5,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6358% | 4,144 |
| Return on assets (ROA) | 0.6358% | 4,272 |
| Pretax return on assets | 1.0045% | 3,612 |
| Return on Equity (ROE) | 4.2984% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.2984% | 3,263 |
| Net charge-offs to loans | 0.0103% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 258.0338% | 313 |
| Efficiency ratio | 59.9418% | 4,551 |
| Assets per employee ($millions) | 6.0742% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 5,165 |
| Loan loss allowance to noncurrent loans | 33.5214% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 2,228 |
| Noncurrent loans to loans | 2.4145% | 740 |
| Net loans and leases to total assets | 37.3025% | 5,498 |
| Net loans and leases to deposits | 44.1431% | 5,511 |
| Net loans and leases to core deposits | 46.3170% | 5,504 |
| Total domestic deposits to total assets | 84.5036% | 3,030 |
| Equity capital to assets | 15.0654% | 729 |
| Core capital (leverage) ratio | 15.2896% | 582 |
| Tier 1 risk-based capital ratio | 46.3579% | 165 |
| Total risk-based capital ratio | 47.3646% | 163 |
| Memoranda: | ||
| Average total assets | $547,918,750 | 1,265 |
| Average earning assets | $526,522,500 | 1,214 |
| Average equity | $81,051,250 | 982 |
| Average total loans | $206,498,000 | 2,076 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 5,319 |
| Cost of funding earning assets | 0.7049% | 779 |
| Net interest margin | 2.5767% | 5,689 |
| Noninterest income to average assets | 0.0266% | 5,960 |
| Noninterest expense to average assets | 1.4608% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6609% | 3,995 |
| Return on assets (ROA) | 0.6609% | 4,137 |
| Pretax return on assets | 1.0377% | 3,447 |
| Return on Equity (ROE) | 4.4954% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.4954% | 3,052 |
| Net charge-offs to loans | 0.0309% | 2,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 88.9063% | 642 |
| Efficiency ratio | 58.4672% | 4,839 |
| Assets per employee ($millions) | 5.8751% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 5,273 |
| Loan loss allowance to noncurrent loans | 28.9659% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 1,974 |
| Noncurrent loans to loans | 2.7774% | 575 |
| Net loans and leases to total assets | 36.7728% | 5,572 |
| Net loans and leases to deposits | 43.3585% | 5,585 |
| Net loans and leases to core deposits | 45.3742% | 5,582 |
| Total domestic deposits to total assets | 84.8110% | 2,960 |
| Equity capital to assets | 14.7660% | 797 |
| Core capital (leverage) ratio | 15.0871% | 595 |
| Tier 1 risk-based capital ratio | 45.5461% | 171 |
| Total risk-based capital ratio | 46.5311% | 171 |
| Memoranda: | ||
| Average total assets | $548,331,000 | 1,269 |
| Average earning assets | $526,020,330 | 1,222 |
| Average equity | $80,615,000 | 988 |
| Average total loans | $206,800,670 | 2,082 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 5,321 |
| Cost of funding earning assets | 0.7011% | 805 |
| Net interest margin | 2.6016% | 5,719 |
| Noninterest income to average assets | 0.0286% | 6,022 |
| Noninterest expense to average assets | 1.4986% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6428% | 4,012 |
| Return on assets (ROA) | 0.6428% | 4,130 |
| Pretax return on assets | 1.0293% | 3,367 |
| Return on Equity (ROE) | 4.3818% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.3818% | 3,290 |
| Net charge-offs to loans | 0.0115% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 234.3333% | 268 |
| Efficiency ratio | 59.2818% | 4,841 |
| Assets per employee ($millions) | 5.8045% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,346 |
| Loan loss allowance to noncurrent loans | 32.5364% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 2,272 |
| Noncurrent loans to loans | 2.4705% | 768 |
| Net loans and leases to total assets | 37.4630% | 5,578 |
| Net loans and leases to deposits | 44.1309% | 5,585 |
| Net loans and leases to core deposits | 46.1110% | 5,584 |
| Total domestic deposits to total assets | 84.8907% | 3,166 |
| Equity capital to assets | 14.6149% | 804 |
| Core capital (leverage) ratio | 15.0727% | 592 |
| Tier 1 risk-based capital ratio | 44.8848% | 178 |
| Total risk-based capital ratio | 45.8719% | 179 |
| Memoranda: | ||
| Average total assets | $546,368,500 | 1,273 |
| Average earning assets | $524,900,500 | 1,230 |
| Average equity | $80,149,500 | 991 |
| Average total loans | $207,837,500 | 2,074 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 5,149 |
| Cost of funding earning assets | 0.6795% | 916 |
| Net interest margin | 2.7247% | 5,622 |
| Noninterest income to average assets | 0.0286% | 6,051 |
| Noninterest expense to average assets | 1.5987% | 5,916 |
| Loan and lease loss provision to assets | 0.0185% | 4,036 |
| Net operating income to assets | 0.6586% | 4,002 |
| Return on assets (ROA) | 0.6586% | 4,088 |
| Pretax return on assets | 1.0266% | 3,358 |
| Return on Equity (ROE) | 4.5678% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.5678% | 2,729 |
| Net charge-offs to loans | 0.0819% | 2,662 |
| Credit loss provision to net charge-offs | 58.1395% | 3,286 |
| Earnings coverage of net charge-offs (x) | 32.9070% | 1,361 |
| Efficiency ratio | 60.4693% | 4,847 |
| Assets per employee ($millions) | 5.6386% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 5,386 |
| Loan loss allowance to noncurrent loans | 43.8413% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 2,765 |
| Noncurrent loans to loans | 1.8475% | 1,167 |
| Net loans and leases to total assets | 38.0078% | 5,621 |
| Net loans and leases to deposits | 44.8068% | 5,624 |
| Net loans and leases to core deposits | 47.0379% | 5,605 |
| Total domestic deposits to total assets | 84.8258% | 3,160 |
| Equity capital to assets | 14.7251% | 721 |
| Core capital (leverage) ratio | 15.0464% | 604 |
| Tier 1 risk-based capital ratio | 44.9697% | 168 |
| Total risk-based capital ratio | 45.9710% | 170 |
| Memoranda: | ||
| Average total assets | $541,569,400 | 1,253 |
| Average earning assets | $519,795,200 | 1,209 |
| Average equity | $78,090,400 | 976 |
| Average total loans | $209,897,200 | 1,997 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 5,159 |
| Cost of funding earning assets | 0.6757% | 951 |
| Net interest margin | 2.7448% | 5,672 |
| Noninterest income to average assets | 0.0172% | 6,156 |
| Noninterest expense to average assets | 1.5304% | 6,020 |
| Loan and lease loss provision to assets | 0.0273% | 3,707 |
| Net operating income to assets | 0.6851% | 3,967 |
| Return on assets (ROA) | 0.6851% | 4,085 |
| Pretax return on assets | 1.0935% | 3,257 |
| Return on Equity (ROE) | 4.7764% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.7764% | 3,071 |
| Net charge-offs to loans | 0.0988% | 2,164 |
| Credit loss provision to net charge-offs | 71.1538% | 2,746 |
| Earnings coverage of net charge-offs (x) | 29.1865% | 1,528 |
| Efficiency ratio | 57.7252% | 5,157 |
| Assets per employee ($millions) | 5.7599% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 5,474 |
| Loan loss allowance to noncurrent loans | 34.4988% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 2,235 |
| Noncurrent loans to loans | 2.3685% | 882 |
| Net loans and leases to total assets | 38.2687% | 5,685 |
| Net loans and leases to deposits | 45.0361% | 5,684 |
| Net loans and leases to core deposits | 47.3079% | 5,681 |
| Total domestic deposits to total assets | 84.9733% | 3,023 |
| Equity capital to assets | 14.5801% | 841 |
| Core capital (leverage) ratio | 14.8563% | 665 |
| Tier 1 risk-based capital ratio | 44.0753% | 194 |
| Total risk-based capital ratio | 45.0881% | 194 |
| Memoranda: | ||
| Average total assets | $541,634,750 | 1,262 |
| Average earning assets | $519,749,000 | 1,220 |
| Average equity | $77,686,000 | 984 |
| Average total loans | $210,516,750 | 2,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 5,085 |
| Cost of funding earning assets | 0.6692% | 1,003 |
| Net interest margin | 2.7894% | 5,635 |
| Noninterest income to average assets | 0.0336% | 6,208 |
| Noninterest expense to average assets | 1.4864% | 6,123 |
| Loan and lease loss provision to assets | 0.0410% | 3,293 |
| Net operating income to assets | 0.7388% | 3,695 |
| Return on assets (ROA) | 0.7388% | 3,803 |
| Pretax return on assets | 1.1792% | 2,863 |
| Return on Equity (ROE) | 5.1794% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.1794% | 2,740 |
| Net charge-offs to loans | 0.1450% | 1,622 |
| Credit loss provision to net charge-offs | 72.5490% | 2,426 |
| Earnings coverage of net charge-offs (x) | 21.6013% | 1,668 |
| Efficiency ratio | 54.9175% | 5,513 |
| Assets per employee ($millions) | 5.7638% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 5,546 |
| Loan loss allowance to noncurrent loans | 36.9730% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 2,520 |
| Noncurrent loans to loans | 2.2191% | 1,076 |
| Net loans and leases to total assets | 38.1530% | 5,730 |
| Net loans and leases to deposits | 44.8225% | 5,731 |
| Net loans and leases to core deposits | 46.8379% | 5,727 |
| Total domestic deposits to total assets | 85.1202% | 3,076 |
| Equity capital to assets | 14.4409% | 834 |
| Core capital (leverage) ratio | 14.7822% | 658 |
| Tier 1 risk-based capital ratio | 43.9237% | 207 |
| Total risk-based capital ratio | 44.9764% | 207 |
| Memoranda: | ||
| Average total assets | $541,703,000 | 1,264 |
| Average earning assets | $519,104,330 | 1,228 |
| Average equity | $77,267,670 | 994 |
| Average total loans | $211,054,000 | 2,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,956 |
| Cost of funding earning assets | 0.6648% | 1,024 |
| Net interest margin | 2.8380% | 5,573 |
| Noninterest income to average assets | 0.0510% | 6,227 |
| Noninterest expense to average assets | 1.4600% | 6,201 |
| Loan and lease loss provision to assets | 0.0081% | 3,607 |
| Net operating income to assets | 0.7843% | 3,343 |
| Return on assets (ROA) | 0.7843% | 3,476 |
| Pretax return on assets | 1.3005% | 2,282 |
| Return on Equity (ROE) | 5.5326% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.5326% | 2,758 |
| Net charge-offs to loans | 0.2562% | 935 |
| Credit loss provision to net charge-offs | 8.0882% | 2,442 |
| Earnings coverage of net charge-offs (x) | 13.0294% | 1,750 |
| Efficiency ratio | 52.7341% | 5,764 |
| Assets per employee ($millions) | 5.8884% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 5,758 |
| Loan loss allowance to noncurrent loans | 35.3786% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0066% | 2,611 |
| Noncurrent loans to loans | 2.1780% | 1,168 |
| Net loans and leases to total assets | 38.6516% | 5,682 |
| Net loans and leases to deposits | 45.3600% | 5,687 |
| Net loans and leases to core deposits | 47.4047% | 5,698 |
| Total domestic deposits to total assets | 85.2107% | 3,302 |
| Equity capital to assets | 14.2692% | 899 |
| Core capital (leverage) ratio | 14.6016% | 671 |
| Tier 1 risk-based capital ratio | 42.5080% | 225 |
| Total risk-based capital ratio | 43.4947% | 226 |
| Memoranda: | ||
| Average total assets | $541,657,000 | 1,266 |
| Average earning assets | $518,669,000 | 1,230 |
| Average equity | $76,781,500 | 996 |
| Average total loans | $212,370,500 | 2,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 5,068 |
| Cost of funding earning assets | 0.7342% | 926 |
| Net interest margin | 2.8711% | 5,694 |
| Noninterest income to average assets | -0.0013% | 6,404 |
| Noninterest expense to average assets | 1.6136% | 6,225 |
| Loan and lease loss provision to assets | 0.0497% | 3,567 |
| Net operating income to assets | 0.7065% | 3,856 |
| Return on assets (ROA) | 0.7065% | 3,974 |
| Pretax return on assets | 1.0834% | 3,154 |
| Return on Equity (ROE) | 5.1927% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.1927% | 2,472 |
| Net charge-offs to loans | 0.1304% | 2,710 |
| Credit loss provision to net charge-offs | 96.4664% | 2,506 |
| Earnings coverage of net charge-offs (x) | 21.9823% | 1,645 |
| Efficiency ratio | 58.7467% | 5,371 |
| Assets per employee ($millions) | 5.8867% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 5,727 |
| Loan loss allowance to noncurrent loans | 106.5085% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 4,160 |
| Noncurrent loans to loans | 0.7692% | 3,390 |
| Net loans and leases to total assets | 39.1402% | 5,794 |
| Net loans and leases to deposits | 45.7948% | 5,801 |
| Net loans and leases to core deposits | 47.7523% | 5,825 |
| Total domestic deposits to total assets | 85.4686% | 3,093 |
| Equity capital to assets | 14.0814% | 929 |
| Core capital (leverage) ratio | 14.3893% | 728 |
| Tier 1 risk-based capital ratio | 41.8280% | 212 |
| Total risk-based capital ratio | 42.8868% | 212 |
| Memoranda: | ||
| Average total assets | $549,010,800 | 1,218 |
| Average earning assets | $525,473,200 | 1,159 |
| Average equity | $74,700,400 | 978 |
| Average total loans | $217,098,800 | 1,920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,945 |
| Cost of funding earning assets | 0.7332% | 975 |
| Net interest margin | 2.9363% | 5,622 |
| Noninterest income to average assets | 0.0065% | 6,465 |
| Noninterest expense to average assets | 1.5636% | 6,317 |
| Loan and lease loss provision to assets | 0.0661% | 3,027 |
| Net operating income to assets | 0.7164% | 3,858 |
| Return on assets (ROA) | 0.7164% | 3,958 |
| Pretax return on assets | 1.1879% | 2,834 |
| Return on Equity (ROE) | 5.3110% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.3110% | 2,875 |
| Net charge-offs to loans | 0.1493% | 2,295 |
| Credit loss provision to net charge-offs | 111.8852% | 2,020 |
| Earnings coverage of net charge-offs (x) | 21.2333% | 1,688 |
| Efficiency ratio | 55.4935% | 5,705 |
| Assets per employee ($millions) | 6.1570% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 5,788 |
| Loan loss allowance to noncurrent loans | 117.5312% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 3,982 |
| Noncurrent loans to loans | 0.7075% | 3,841 |
| Net loans and leases to total assets | 38.9587% | 5,885 |
| Net loans and leases to deposits | 45.3757% | 5,912 |
| Net loans and leases to core deposits | 47.3198% | 5,913 |
| Total domestic deposits to total assets | 85.8581% | 2,927 |
| Equity capital to assets | 13.8302% | 1,060 |
| Core capital (leverage) ratio | 14.0508% | 833 |
| Tier 1 risk-based capital ratio | 40.8327% | 227 |
| Total risk-based capital ratio | 41.8814% | 228 |
| Memoranda: | ||
| Average total assets | $550,868,750 | 1,219 |
| Average earning assets | $527,370,000 | 1,153 |
| Average equity | $74,310,000 | 985 |
| Average total loans | $217,942,000 | 1,931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 4,796 |
| Cost of funding earning assets | 0.7591% | 886 |
| Net interest margin | 2.9620% | 5,605 |
| Noninterest income to average assets | 0.0145% | 6,523 |
| Noninterest expense to average assets | 1.5110% | 6,413 |
| Loan and lease loss provision to assets | 0.0989% | 2,373 |
| Net operating income to assets | 0.7470% | 3,585 |
| Return on assets (ROA) | 0.7470% | 3,687 |
| Pretax return on assets | 1.2402% | 2,500 |
| Return on Equity (ROE) | 5.5840% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.5840% | 2,593 |
| Net charge-offs to loans | 0.1435% | 2,241 |
| Credit loss provision to net charge-offs | 173.8854% | 1,310 |
| Earnings coverage of net charge-offs (x) | 23.5350% | 1,465 |
| Efficiency ratio | 53.0137% | 5,997 |
| Assets per employee ($millions) | 5.7167% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 5,848 |
| Loan loss allowance to noncurrent loans | 112.2608% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 4,031 |
| Noncurrent loans to loans | 0.7655% | 3,794 |
| Net loans and leases to total assets | 39.4600% | 5,863 |
| Net loans and leases to deposits | 45.8574% | 5,890 |
| Net loans and leases to core deposits | 47.7591% | 5,909 |
| Total domestic deposits to total assets | 86.0494% | 3,017 |
| Equity capital to assets | 13.6412% | 1,110 |
| Core capital (leverage) ratio | 13.8647% | 869 |
| Tier 1 risk-based capital ratio | 40.1167% | 237 |
| Total risk-based capital ratio | 41.1956% | 239 |
| Memoranda: | ||
| Average total assets | $551,834,000 | 1,208 |
| Average earning assets | $528,285,000 | 1,154 |
| Average equity | $73,818,000 | 988 |
| Average total loans | $218,831,670 | 1,914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,467 |
| Cost of funding earning assets | 0.7699% | 879 |
| Net interest margin | 3.0351% | 5,428 |
| Noninterest income to average assets | 0.0007% | 6,593 |
| Noninterest expense to average assets | 1.5542% | 6,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6968% | 3,704 |
| Return on assets (ROA) | 0.6968% | 3,782 |
| Pretax return on assets | 1.3503% | 1,913 |
| Return on Equity (ROE) | 5.2609% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2609% | 2,952 |
| Net charge-offs to loans | 0.3305% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.3204% | 1,870 |
| Efficiency ratio | 53.5092% | 6,052 |
| Assets per employee ($millions) | 5.7226% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,252 |
| Loan loss allowance to noncurrent loans | 46.0105% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 3,682 |
| Noncurrent loans to loans | 1.5655% | 2,467 |
| Net loans and leases to total assets | 39.2314% | 5,862 |
| Net loans and leases to deposits | 45.4380% | 5,890 |
| Net loans and leases to core deposits | 47.0710% | 5,930 |
| Total domestic deposits to total assets | 86.3405% | 3,189 |
| Equity capital to assets | 13.2896% | 1,173 |
| Core capital (leverage) ratio | 13.5102% | 971 |
| Tier 1 risk-based capital ratio | 39.2228% | 250 |
| Total risk-based capital ratio | 40.1382% | 252 |
| Memoranda: | ||
| Average total assets | $553,351,500 | 1,212 |
| Average earning assets | $529,413,500 | 1,159 |
| Average equity | $73,295,500 | 993 |
| Average total loans | $219,031,000 | 1,904 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,741 |
| Cost of funding earning assets | 0.8906% | 777 |
| Net interest margin | 2.9294% | 5,731 |
| Noninterest income to average assets | -0.0089% | 6,670 |
| Noninterest expense to average assets | 1.6439% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7315% | 3,652 |
| Return on assets (ROA) | 0.7315% | 3,736 |
| Pretax return on assets | 1.1335% | 2,833 |
| Return on Equity (ROE) | 5.6973% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.6973% | 2,161 |
| Net charge-offs to loans | 0.1696% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.8509% | 1,767 |
| Efficiency ratio | 59.1888% | 5,577 |
| Assets per employee ($millions) | 5.6868% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 6,165 |
| Loan loss allowance to noncurrent loans | 51.0879% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 3,637 |
| Noncurrent loans to loans | 1.5760% | 2,533 |
| Net loans and leases to total assets | 39.3303% | 6,010 |
| Net loans and leases to deposits | 45.4697% | 6,047 |
| Net loans and leases to core deposits | 47.1476% | 6,084 |
| Total domestic deposits to total assets | 86.4978% | 2,989 |
| Equity capital to assets | 13.2016% | 1,184 |
| Core capital (leverage) ratio | 13.4210% | 983 |
| Tier 1 risk-based capital ratio | 38.8197% | 250 |
| Total risk-based capital ratio | 39.8388% | 248 |
| Memoranda: | ||
| Average total assets | $548,573,200 | 1,206 |
| Average earning assets | $521,773,800 | 1,162 |
| Average equity | $70,437,200 | 1,014 |
| Average total loans | $217,632,800 | 1,880 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 4,787 |
| Cost of funding earning assets | 0.9152% | 759 |
| Net interest margin | 2.9019% | 5,812 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 1.6171% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7270% | 3,719 |
| Return on assets (ROA) | 0.7270% | 3,844 |
| Pretax return on assets | 1.1417% | 2,940 |
| Return on Equity (ROE) | 5.7023% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.7023% | 2,596 |
| Net charge-offs to loans | 0.2270% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.6784% | 2,109 |
| Efficiency ratio | 58.6149% | 5,611 |
| Assets per employee ($millions) | 5.8024% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 6,257 |
| Loan loss allowance to noncurrent loans | 64.6476% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 4,021 |
| Noncurrent loans to loans | 1.2554% | 3,301 |
| Net loans and leases to total assets | 39.0425% | 6,103 |
| Net loans and leases to deposits | 45.0921% | 6,152 |
| Net loans and leases to core deposits | 46.8145% | 6,180 |
| Total domestic deposits to total assets | 86.5839% | 2,918 |
| Equity capital to assets | 12.9406% | 1,359 |
| Core capital (leverage) ratio | 13.2431% | 1,113 |
| Tier 1 risk-based capital ratio | 38.5055% | 262 |
| Total risk-based capital ratio | 39.5221% | 260 |
| Memoranda: | ||
| Average total assets | $547,812,750 | 1,223 |
| Average earning assets | $520,797,750 | 1,180 |
| Average equity | $69,841,000 | 1,030 |
| Average total loans | $217,362,750 | 1,883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,628 |
| Cost of funding earning assets | 0.9374% | 751 |
| Net interest margin | 2.9211% | 5,748 |
| Noninterest income to average assets | -0.0285% | 6,828 |
| Noninterest expense to average assets | 1.4813% | 6,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7456% | 3,591 |
| Return on assets (ROA) | 0.7456% | 3,746 |
| Pretax return on assets | 1.2673% | 2,416 |
| Return on Equity (ROE) | 5.8779% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.8779% | 2,506 |
| Net charge-offs to loans | 0.3053% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.4337% | 2,154 |
| Efficiency ratio | 53.8933% | 6,155 |
| Assets per employee ($millions) | 5.5463% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 6,295 |
| Loan loss allowance to noncurrent loans | 71.8164% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 4,245 |
| Noncurrent loans to loans | 1.1579% | 3,621 |
| Net loans and leases to total assets | 39.0737% | 6,105 |
| Net loans and leases to deposits | 45.0454% | 6,166 |
| Net loans and leases to core deposits | 46.6366% | 6,203 |
| Total domestic deposits to total assets | 86.7428% | 2,978 |
| Equity capital to assets | 12.8180% | 1,412 |
| Core capital (leverage) ratio | 13.1220% | 1,121 |
| Tier 1 risk-based capital ratio | 38.1178% | 268 |
| Total risk-based capital ratio | 39.1565% | 264 |
| Memoranda: | ||
| Average total assets | $546,674,670 | 1,229 |
| Average earning assets | $519,741,670 | 1,187 |
| Average equity | $69,344,000 | 1,044 |
| Average total loans | $217,492,330 | 1,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,444 |
| Cost of funding earning assets | 0.9961% | 627 |
| Net interest margin | 2.9111% | 5,792 |
| Noninterest income to average assets | 0.0381% | 6,770 |
| Noninterest expense to average assets | 1.4798% | 6,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7788% | 3,289 |
| Return on assets (ROA) | 0.7788% | 3,421 |
| Pretax return on assets | 1.3229% | 2,148 |
| Return on Equity (ROE) | 6.1721% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.1721% | 2,589 |
| Net charge-offs to loans | 0.0514% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 64.4286% | 553 |
| Efficiency ratio | 52.7996% | 6,329 |
| Assets per employee ($millions) | 5.6083% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,094 |
| Loan loss allowance to noncurrent loans | 65.9041% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9590% | 4,014 |
| Noncurrent loans to loans | 1.4618% | 3,372 |
| Net loans and leases to total assets | 39.3356% | 6,048 |
| Net loans and leases to deposits | 45.3338% | 6,099 |
| Net loans and leases to core deposits | 46.7313% | 6,164 |
| Total domestic deposits to total assets | 86.7687% | 3,091 |
| Equity capital to assets | 12.6213% | 1,634 |
| Core capital (leverage) ratio | 12.9302% | 1,143 |
| Tier 1 risk-based capital ratio | 37.1778% | 289 |
| Total risk-based capital ratio | 38.3497% | 285 |
| Memoranda: | ||
| Average total assets | $545,471,500 | 1,240 |
| Average earning assets | $518,017,500 | 1,202 |
| Average equity | $68,825,500 | 1,056 |
| Average total loans | $218,066,000 | 1,882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 4,460 |
| Cost of funding earning assets | 1.2162% | 540 |
| Net interest margin | 3.0176% | 6,013 |
| Noninterest income to average assets | -0.0876% | 6,910 |
| Noninterest expense to average assets | 1.6356% | 6,772 |
| Loan and lease loss provision to assets | 0.0583% | 5,044 |
| Net operating income to assets | 0.6859% | 3,805 |
| Return on assets (ROA) | 0.6859% | 4,065 |
| Pretax return on assets | 1.0621% | 3,312 |
| Return on Equity (ROE) | 5.4909% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4909% | 2,386 |
| Net charge-offs to loans | 0.5295% | 2,140 |
| Credit loss provision to net charge-offs | 26.8864% | 5,172 |
| Earnings coverage of net charge-offs (x) | 5.1691% | 3,125 |
| Efficiency ratio | 59.3479% | 5,643 |
| Assets per employee ($millions) | 5.5238% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,036 |
| Loan loss allowance to noncurrent loans | 60.7815% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 3,648 |
| Noncurrent loans to loans | 1.6095% | 3,210 |
| Net loans and leases to total assets | 39.8472% | 6,179 |
| Net loans and leases to deposits | 45.8915% | 6,258 |
| Net loans and leases to core deposits | 47.2577% | 6,312 |
| Total domestic deposits to total assets | 86.8291% | 2,923 |
| Equity capital to assets | 12.6139% | 1,632 |
| Core capital (leverage) ratio | 12.9308% | 1,139 |
| Tier 1 risk-based capital ratio | 36.8499% | 294 |
| Total risk-based capital ratio | 38.0333% | 287 |
| Memoranda: | ||
| Average total assets | $531,968,400 | 1,252 |
| Average earning assets | $501,296,600 | 1,213 |
| Average equity | $66,455,200 | 1,064 |
| Average total loans | $217,746,800 | 1,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 4,418 |
| Cost of funding earning assets | 1.2603% | 532 |
| Net interest margin | 3.0494% | 6,065 |
| Noninterest income to average assets | -0.1460% | 7,050 |
| Noninterest expense to average assets | 1.5653% | 6,902 |
| Loan and lease loss provision to assets | 0.0780% | 4,662 |
| Net operating income to assets | 0.5901% | 4,436 |
| Return on assets (ROA) | 0.5901% | 4,707 |
| Pretax return on assets | 1.0802% | 3,422 |
| Return on Equity (ROE) | 4.7354% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.7354% | 3,572 |
| Net charge-offs to loans | 0.6240% | 1,764 |
| Credit loss provision to net charge-offs | 30.4220% | 4,797 |
| Earnings coverage of net charge-offs (x) | 4.5152% | 3,284 |
| Efficiency ratio | 57.4730% | 5,859 |
| Assets per employee ($millions) | 5.3925% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 5,917 |
| Loan loss allowance to noncurrent loans | 62.4139% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 3,800 |
| Noncurrent loans to loans | 1.6732% | 3,279 |
| Net loans and leases to total assets | 40.2029% | 6,264 |
| Net loans and leases to deposits | 46.2017% | 6,371 |
| Net loans and leases to core deposits | 47.6097% | 6,444 |
| Total domestic deposits to total assets | 87.0162% | 2,659 |
| Equity capital to assets | 12.5704% | 1,848 |
| Core capital (leverage) ratio | 12.8670% | 1,244 |
| Tier 1 risk-based capital ratio | 36.1753% | 323 |
| Total risk-based capital ratio | 37.4250% | 319 |
| Memoranda: | ||
| Average total assets | $529,627,750 | 1,275 |
| Average earning assets | $498,406,000 | 1,234 |
| Average equity | $65,998,250 | 1,076 |
| Average total loans | $217,724,500 | 1,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3962% | 4,200 |
| Cost of funding earning assets | 1.2945% | 542 |
| Net interest margin | 3.1017% | 6,004 |
| Noninterest income to average assets | -0.0727% | 7,072 |
| Noninterest expense to average assets | 1.5164% | 6,995 |
| Loan and lease loss provision to assets | 0.1174% | 4,055 |
| Net operating income to assets | 0.6671% | 4,028 |
| Return on assets (ROA) | 0.6671% | 4,287 |
| Pretax return on assets | 1.2003% | 2,926 |
| Return on Equity (ROE) | 5.3696% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.3696% | 3,061 |
| Net charge-offs to loans | 0.9183% | 1,202 |
| Credit loss provision to net charge-offs | 30.9690% | 4,426 |
| Earnings coverage of net charge-offs (x) | 3.4765% | 3,358 |
| Efficiency ratio | 53.5070% | 6,365 |
| Assets per employee ($millions) | 5.3972% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,928 |
| Loan loss allowance to noncurrent loans | 45.7149% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6249% | 3,290 |
| Noncurrent loans to loans | 2.3157% | 2,587 |
| Net loans and leases to total assets | 39.9344% | 6,347 |
| Net loans and leases to deposits | 45.8312% | 6,450 |
| Net loans and leases to core deposits | 47.1718% | 6,503 |
| Total domestic deposits to total assets | 87.1335% | 2,694 |
| Equity capital to assets | 12.4493% | 1,848 |
| Core capital (leverage) ratio | 12.7465% | 1,240 |
| Tier 1 risk-based capital ratio | 35.5380% | 331 |
| Total risk-based capital ratio | 36.7830% | 324 |
| Memoranda: | ||
| Average total assets | $528,217,330 | 1,282 |
| Average earning assets | $495,023,000 | 1,245 |
| Average equity | $65,628,330 | 1,072 |
| Average total loans | $218,002,000 | 1,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 3,944 |
| Cost of funding earning assets | 1.3385% | 538 |
| Net interest margin | 3.1538% | 5,899 |
| Noninterest income to average assets | -0.2338% | 7,208 |
| Noninterest expense to average assets | 1.5248% | 7,039 |
| Loan and lease loss provision to assets | 0.2361% | 2,578 |
| Net operating income to assets | 0.6550% | 4,106 |
| Return on assets (ROA) | 0.6550% | 4,319 |
| Pretax return on assets | 0.9574% | 3,843 |
| Return on Equity (ROE) | 5.2774% | 4,652 |
| Retained earnings to average equity (ytd only) | 5.2774% | 3,386 |
| Net charge-offs to loans | 1.5641% | 640 |
| Credit loss provision to net charge-offs | 36.1727% | 3,515 |
| Earnings coverage of net charge-offs (x) | 1.8285% | 3,424 |
| Efficiency ratio | 56.0941% | 6,112 |
| Assets per employee ($millions) | 5.6972% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 5,868 |
| Loan loss allowance to noncurrent loans | 49.1196% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.8249% | 3,145 |
| Noncurrent loans to loans | 2.2605% | 2,849 |
| Net loans and leases to total assets | 40.7960% | 6,285 |
| Net loans and leases to deposits | 46.8739% | 6,367 |
| Net loans and leases to core deposits | 48.1979% | 6,448 |
| Total domestic deposits to total assets | 87.0334% | 2,941 |
| Equity capital to assets | 12.3857% | 1,797 |
| Core capital (leverage) ratio | 12.6843% | 1,256 |
| Tier 1 risk-based capital ratio | 34.6894% | 346 |
| Total risk-based capital ratio | 35.9948% | 339 |
| Memoranda: | ||
| Average total assets | $525,166,500 | 1,289 |
| Average earning assets | $491,604,000 | 1,251 |
| Average equity | $65,183,000 | 1,077 |
| Average total loans | $219,173,000 | 1,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 4,467 |
| Cost of funding earning assets | 1.6099% | 461 |
| Net interest margin | 3.0364% | 6,472 |
| Noninterest income to average assets | -0.1890% | 7,153 |
| Noninterest expense to average assets | 1.6063% | 7,116 |
| Loan and lease loss provision to assets | 0.6037% | 1,715 |
| Net operating income to assets | 0.2442% | 5,442 |
| Return on assets (ROA) | 0.2442% | 5,585 |
| Pretax return on assets | 0.4384% | 5,176 |
| Return on Equity (ROE) | 1.9240% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.9240% | 4,836 |
| Net charge-offs to loans | 0.6810% | 2,455 |
| Credit loss provision to net charge-offs | 200.1312% | 1,241 |
| Earnings coverage of net charge-offs (x) | 3.4547% | 3,514 |
| Efficiency ratio | 60.6532% | 5,656 |
| Assets per employee ($millions) | 5.5967% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,656 |
| Loan loss allowance to noncurrent loans | 50.5099% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.2460% | 2,685 |
| Noncurrent loans to loans | 2.6774% | 2,429 |
| Net loans and leases to total assets | 41.6516% | 6,412 |
| Net loans and leases to deposits | 47.8043% | 6,508 |
| Net loans and leases to core deposits | 49.2885% | 6,571 |
| Total domestic deposits to total assets | 87.1294% | 2,687 |
| Equity capital to assets | 12.4385% | 1,831 |
| Core capital (leverage) ratio | 12.7460% | 1,240 |
| Tier 1 risk-based capital ratio | 34.5453% | 348 |
| Total risk-based capital ratio | 35.8461% | 339 |
| Memoranda: | ||
| Average total assets | $505,250,800 | 1,326 |
| Average earning assets | $472,131,400 | 1,297 |
| Average equity | $64,137,200 | 1,051 |
| Average total loans | $223,794,400 | 1,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 4,494 |
| Cost of funding earning assets | 1.6372% | 504 |
| Net interest margin | 3.0554% | 6,482 |
| Noninterest income to average assets | -0.1819% | 7,256 |
| Noninterest expense to average assets | 1.5276% | 7,208 |
| Loan and lease loss provision to assets | 0.8907% | 1,015 |
| Net operating income to assets | 0.1587% | 5,801 |
| Return on assets (ROA) | 0.1587% | 5,928 |
| Pretax return on assets | 0.2537% | 5,800 |
| Return on Equity (ROE) | 1.2440% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.2440% | 5,514 |
| Net charge-offs to loans | 0.6738% | 2,227 |
| Credit loss provision to net charge-offs | 294.8944% | 973 |
| Earnings coverage of net charge-offs (x) | 3.7887% | 3,296 |
| Efficiency ratio | 57.1699% | 6,118 |
| Assets per employee ($millions) | 5.5819% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 3,404 |
| Loan loss allowance to noncurrent loans | 63.4032% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.3291% | 2,753 |
| Noncurrent loans to loans | 2.6231% | 2,649 |
| Net loans and leases to total assets | 42.1287% | 6,494 |
| Net loans and leases to deposits | 48.4220% | 6,603 |
| Net loans and leases to core deposits | 49.8325% | 6,676 |
| Total domestic deposits to total assets | 87.0032% | 2,656 |
| Equity capital to assets | 12.5619% | 1,875 |
| Core capital (leverage) ratio | 12.7947% | 1,304 |
| Tier 1 risk-based capital ratio | 34.4723% | 371 |
| Total risk-based capital ratio | 35.7787% | 362 |
| Memoranda: | ||
| Average total assets | $501,441,250 | 1,341 |
| Average earning assets | $468,363,000 | 1,309 |
| Average equity | $63,986,250 | 1,060 |
| Average total loans | $224,802,000 | 1,860 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 4,414 |
| Cost of funding earning assets | 1.6665% | 539 |
| Net interest margin | 3.0609% | 6,488 |
| Noninterest income to average assets | -0.1906% | 7,337 |
| Noninterest expense to average assets | 1.5219% | 7,291 |
| Loan and lease loss provision to assets | 1.3470% | 547 |
| Net operating income to assets | -0.1343% | 6,395 |
| Return on assets (ROA) | -0.1343% | 6,437 |
| Pretax return on assets | -0.2006% | 6,451 |
| Return on Equity (ROE) | -1.0468% | 6,408 |
| Retained earnings to average equity (ytd only) | -1.0468% | 6,062 |
| Net charge-offs to loans | 0.8330% | 1,839 |
| Credit loss provision to net charge-offs | 355.2492% | 865 |
| Earnings coverage of net charge-offs (x) | 3.0233% | 3,343 |
| Efficiency ratio | 57.0374% | 6,291 |
| Assets per employee ($millions) | 5.2552% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 3,224 |
| Loan loss allowance to noncurrent loans | 57.4132% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.7802% | 2,408 |
| Noncurrent loans to loans | 3.0133% | 2,408 |
| Net loans and leases to total assets | 43.3819% | 6,487 |
| Net loans and leases to deposits | 49.8354% | 6,612 |
| Net loans and leases to core deposits | 51.2850% | 6,702 |
| Total domestic deposits to total assets | 87.0505% | 2,715 |
| Equity capital to assets | 12.6090% | 1,730 |
| Core capital (leverage) ratio | 12.8409% | 1,223 |
| Tier 1 risk-based capital ratio | 33.8355% | 389 |
| Total risk-based capital ratio | 35.1555% | 380 |
| Memoranda: | ||
| Average total assets | $497,409,670 | 1,353 |
| Average earning assets | $464,567,330 | 1,324 |
| Average equity | $63,811,670 | 1,061 |
| Average total loans | $226,401,000 | 1,867 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 4,481 |
| Cost of funding earning assets | 1.7182% | 516 |
| Net interest margin | 2.9896% | 6,594 |
| Noninterest income to average assets | -0.1531% | 7,411 |
| Noninterest expense to average assets | 1.5024% | 7,359 |
| Loan and lease loss provision to assets | 1.1501% | 621 |
| Net operating income to assets | -0.0049% | 6,357 |
| Return on assets (ROA) | -0.0049% | 6,386 |
| Pretax return on assets | -0.0097% | 6,366 |
| Return on Equity (ROE) | -0.0376% | 6,389 |
| Retained earnings to average equity (ytd only) | -0.0376% | 5,800 |
| Net charge-offs to loans | 0.1753% | 3,439 |
| Credit loss provision to net charge-offs | 1,420.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 14.0800% | 1,390 |
| Efficiency ratio | 56.8495% | 6,400 |
| Assets per employee ($millions) | 5.3450% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,537 |
| Loan loss allowance to noncurrent loans | 32.4074% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 3.0743% | 2,243 |
| Noncurrent loans to loans | 3.7589% | 1,962 |
| Net loans and leases to total assets | 44.6271% | 6,412 |
| Net loans and leases to deposits | 51.3519% | 6,525 |
| Net loans and leases to core deposits | 52.8441% | 6,633 |
| Total domestic deposits to total assets | 86.9043% | 2,990 |
| Equity capital to assets | 12.7221% | 1,511 |
| Core capital (leverage) ratio | 12.9585% | 1,132 |
| Tier 1 risk-based capital ratio | 33.5353% | 390 |
| Total risk-based capital ratio | 34.8391% | 379 |
| Memoranda: | ||
| Average total assets | $493,865,500 | 1,369 |
| Average earning assets | $461,870,000 | 1,336 |
| Average equity | $63,911,500 | 1,047 |
| Average total loans | $228,244,500 | 1,870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 4,858 |
| Cost of funding earning assets | 1.9540% | 712 |
| Net interest margin | 2.9809% | 6,767 |
| Noninterest income to average assets | -0.0127% | 7,312 |
| Noninterest expense to average assets | 1.7215% | 7,335 |
| Loan and lease loss provision to assets | 0.3465% | 4,053 |
| Net operating income to assets | 0.4540% | 4,296 |
| Return on assets (ROA) | 0.4540% | 4,462 |
| Pretax return on assets | 0.7199% | 3,902 |
| Return on Equity (ROE) | 3.4063% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.4063% | 3,484 |
| Net charge-offs to loans | 0.3592% | 4,224 |
| Credit loss provision to net charge-offs | 200.8589% | 1,555 |
| Earnings coverage of net charge-offs (x) | 6.1816% | 2,418 |
| Efficiency ratio | 61.7493% | 5,772 |
| Assets per employee ($millions) | 5.1628% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,878 |
| Loan loss allowance to noncurrent loans | 16.0820% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 3.2577% | 2,169 |
| Noncurrent loans to loans | 5.2291% | 1,274 |
| Net loans and leases to total assets | 46.8934% | 6,486 |
| Net loans and leases to deposits | 54.2275% | 6,591 |
| Net loans and leases to core deposits | 55.7839% | 6,701 |
| Total domestic deposits to total assets | 86.4753% | 3,093 |
| Equity capital to assets | 13.1678% | 1,313 |
| Core capital (leverage) ratio | 13.4161% | 998 |
| Tier 1 risk-based capital ratio | 34.0381% | 372 |
| Total risk-based capital ratio | 35.0914% | 371 |
| Memoranda: | ||
| Average total assets | $472,444,800 | 1,416 |
| Average earning assets | $443,856,600 | 1,377 |
| Average equity | $62,971,400 | 1,065 |
| Average total loans | $226,899,000 | 1,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 4,798 |
| Cost of funding earning assets | 2.0000% | 754 |
| Net interest margin | 3.0034% | 6,824 |
| Noninterest income to average assets | 0.0506% | 7,265 |
| Noninterest expense to average assets | 1.6338% | 7,482 |
| Loan and lease loss provision to assets | 0.2850% | 4,293 |
| Net operating income to assets | 0.5353% | 4,161 |
| Return on assets (ROA) | 0.5353% | 4,329 |
| Pretax return on assets | 0.9547% | 3,347 |
| Return on Equity (ROE) | 4.0038% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,659 |
| Net charge-offs to loans | 0.3330% | 3,994 |
| Credit loss provision to net charge-offs | 177.5221% | 2,073 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,278 |
| Efficiency ratio | 56.8575% | 6,432 |
| Assets per employee ($millions) | 5.1196% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 7,129 |
| Loan loss allowance to noncurrent loans | 16.1044% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 2.9834% | 2,435 |
| Noncurrent loans to loans | 4.5999% | 1,552 |
| Net loans and leases to total assets | 47.5602% | 6,559 |
| Net loans and leases to deposits | 55.1437% | 6,677 |
| Net loans and leases to core deposits | 56.6765% | 6,821 |
| Total domestic deposits to total assets | 86.2478% | 2,951 |
| Equity capital to assets | 13.4015% | 1,391 |
| Core capital (leverage) ratio | 13.6193% | 1,020 |
| Tier 1 risk-based capital ratio | 34.3130% | 365 |
| Total risk-based capital ratio | 35.2462% | 373 |
| Memoranda: | ||
| Average total assets | $469,229,750 | 1,445 |
| Average earning assets | $441,051,000 | 1,397 |
| Average equity | $62,738,250 | 1,071 |
| Average total loans | $226,247,250 | 1,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 4,815 |
| Cost of funding earning assets | 2.0322% | 818 |
| Net interest margin | 2.9953% | 6,832 |
| Noninterest income to average assets | 0.0660% | 7,252 |
| Noninterest expense to average assets | 1.5917% | 7,572 |
| Loan and lease loss provision to assets | 0.3632% | 3,532 |
| Net operating income to assets | 0.5603% | 4,035 |
| Return on assets (ROA) | 0.5603% | 4,183 |
| Pretax return on assets | 0.9299% | 3,388 |
| Return on Equity (ROE) | 4.1935% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.1935% | 3,398 |
| Net charge-offs to loans | 0.4228% | 3,306 |
| Credit loss provision to net charge-offs | 177.7778% | 2,203 |
| Earnings coverage of net charge-offs (x) | 6.3291% | 2,473 |
| Efficiency ratio | 55.1745% | 6,739 |
| Assets per employee ($millions) | 4.8889% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 7,100 |
| Loan loss allowance to noncurrent loans | 13.5654% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 3.2441% | 2,171 |
| Noncurrent loans to loans | 5.6552% | 1,155 |
| Net loans and leases to total assets | 47.1885% | 6,691 |
| Net loans and leases to deposits | 55.4038% | 6,769 |
| Net loans and leases to core deposits | 56.9356% | 6,889 |
| Total domestic deposits to total assets | 85.1721% | 3,532 |
| Equity capital to assets | 13.3326% | 1,424 |
| Core capital (leverage) ratio | 13.5522% | 1,041 |
| Tier 1 risk-based capital ratio | 34.1461% | 373 |
| Total risk-based capital ratio | 35.1023% | 378 |
| Memoranda: | ||
| Average total assets | $466,930,670 | 1,464 |
| Average earning assets | $439,415,670 | 1,411 |
| Average equity | $62,381,670 | 1,068 |
| Average total loans | $225,617,330 | 1,979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 4,934 |
| Cost of funding earning assets | 2.0981% | 813 |
| Net interest margin | 2.9203% | 6,983 |
| Noninterest income to average assets | 0.0570% | 7,427 |
| Noninterest expense to average assets | 1.5912% | 7,664 |
| Loan and lease loss provision to assets | 0.7106% | 1,794 |
| Net operating income to assets | 0.0509% | 6,155 |
| Return on assets (ROA) | 0.0509% | 6,267 |
| Pretax return on assets | 0.5120% | 4,920 |
| Return on Equity (ROE) | 0.3809% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.3809% | 5,683 |
| Net charge-offs to loans | 0.6629% | 2,164 |
| Credit loss provision to net charge-offs | 220.0535% | 1,709 |
| Earnings coverage of net charge-offs (x) | 3.7861% | 2,786 |
| Efficiency ratio | 56.5511% | 6,689 |
| Assets per employee ($millions) | 4.9236% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 7,097 |
| Loan loss allowance to noncurrent loans | 12.9032% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 3.3082% | 2,169 |
| Noncurrent loans to loans | 6.2851% | 1,018 |
| Net loans and leases to total assets | 48.3078% | 6,643 |
| Net loans and leases to deposits | 56.8266% | 6,715 |
| Net loans and leases to core deposits | 58.4070% | 6,856 |
| Total domestic deposits to total assets | 85.0091% | 3,677 |
| Equity capital to assets | 13.3944% | 1,366 |
| Core capital (leverage) ratio | 13.6169% | 1,050 |
| Tier 1 risk-based capital ratio | 33.8956% | 384 |
| Total risk-based capital ratio | 34.9222% | 384 |
| Memoranda: | ||
| Average total assets | $463,285,500 | 1,512 |
| Average earning assets | $437,345,000 | 1,456 |
| Average equity | $61,959,500 | 1,079 |
| Average total loans | $225,672,000 | 2,031 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 5,418 |
| Cost of funding earning assets | 2.7043% | 584 |
| Net interest margin | 2.5450% | 7,374 |
| Noninterest income to average assets | 0.0700% | 7,401 |
| Noninterest expense to average assets | 1.6996% | 7,704 |
| Loan and lease loss provision to assets | 0.1891% | 5,829 |
| Net operating income to assets | 0.3881% | 4,171 |
| Return on assets (ROA) | 0.3881% | 4,275 |
| Pretax return on assets | 0.5893% | 3,929 |
| Return on Equity (ROE) | 2.8703% | 4,564 |
| Retained earnings to average equity (ytd only) | 2.8703% | 3,170 |
| Net charge-offs to loans | 0.1595% | 5,681 |
| Credit loss provision to net charge-offs | 248.2659% | 1,430 |
| Earnings coverage of net charge-offs (x) | 10.2197% | 1,707 |
| Efficiency ratio | 68.5884% | 4,904 |
| Assets per employee ($millions) | 4.8307% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 7,478 |
| Loan loss allowance to noncurrent loans | 12.2308% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 2.6659% | 2,633 |
| Noncurrent loans to loans | 5.3015% | 1,239 |
| Net loans and leases to total assets | 48.4038% | 6,779 |
| Net loans and leases to deposits | 57.5523% | 6,814 |
| Net loans and leases to core deposits | 73.1456% | 6,588 |
| Total domestic deposits to total assets | 84.1039% | 3,983 |
| Equity capital to assets | 13.3536% | 1,376 |
| Core capital (leverage) ratio | 13.5766% | 1,072 |
| Tier 1 risk-based capital ratio | 33.8364% | 378 |
| Total risk-based capital ratio | 34.6648% | 384 |
| Memoranda: | ||
| Average total assets | $454,276,000 | 1,525 |
| Average earning assets | $429,829,600 | 1,476 |
| Average equity | $61,422,600 | 1,077 |
| Average total loans | $216,963,600 | 2,130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2845% | 5,510 |
| Cost of funding earning assets | 2.8332% | 552 |
| Net interest margin | 2.4513% | 7,510 |
| Noninterest income to average assets | 0.0513% | 7,645 |
| Noninterest expense to average assets | 1.6560% | 7,795 |
| Loan and lease loss provision to assets | 0.1328% | 6,035 |
| Net operating income to assets | 0.3738% | 4,497 |
| Return on assets (ROA) | 0.3738% | 4,605 |
| Pretax return on assets | 0.5862% | 4,224 |
| Return on Equity (ROE) | 2.7559% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.7559% | 3,792 |
| Net charge-offs to loans | 0.1111% | 5,566 |
| Credit loss provision to net charge-offs | 251.3966% | 1,708 |
| Earnings coverage of net charge-offs (x) | 13.6146% | 1,666 |
| Efficiency ratio | 69.7267% | 4,644 |
| Assets per employee ($millions) | 4.8979% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 7,627 |
| Loan loss allowance to noncurrent loans | 13.4507% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 3,295 |
| Noncurrent loans to loans | 4.2037% | 1,719 |
| Net loans and leases to total assets | 48.1654% | 6,938 |
| Net loans and leases to deposits | 57.2365% | 7,011 |
| Net loans and leases to core deposits | 73.1205% | 6,776 |
| Total domestic deposits to total assets | 84.1516% | 3,654 |
| Equity capital to assets | 13.4679% | 1,512 |
| Core capital (leverage) ratio | 13.5664% | 1,215 |
| Tier 1 risk-based capital ratio | 34.2093% | 402 |
| Total risk-based capital ratio | 34.9320% | 404 |
| Memoranda: | ||
| Average total assets | $451,907,750 | 1,550 |
| Average earning assets | $428,390,250 | 1,491 |
| Average equity | $61,296,500 | 1,100 |
| Average total loans | $214,720,250 | 2,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 5,566 |
| Cost of funding earning assets | 2.9547% | 527 |
| Net interest margin | 2.3638% | 7,611 |
| Noninterest income to average assets | 0.0521% | 7,727 |
| Noninterest expense to average assets | 1.6505% | 7,882 |
| Loan and lease loss provision to assets | 0.1781% | 5,268 |
| Net operating income to assets | 0.2254% | 5,175 |
| Return on assets (ROA) | 0.2254% | 5,260 |
| Pretax return on assets | 0.4627% | 4,741 |
| Return on Equity (ROE) | 1.6574% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.6574% | 4,419 |
| Net charge-offs to loans | 0.1689% | 4,536 |
| Credit loss provision to net charge-offs | 223.4637% | 2,056 |
| Earnings coverage of net charge-offs (x) | 8.0391% | 2,326 |
| Efficiency ratio | 72.0311% | 4,403 |
| Assets per employee ($millions) | 4.7266% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5524% | 7,721 |
| Loan loss allowance to noncurrent loans | 16.8218% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 3,777 |
| Noncurrent loans to loans | 3.2838% | 2,153 |
| Net loans and leases to total assets | 48.0474% | 7,029 |
| Net loans and leases to deposits | 57.1777% | 7,082 |
| Net loans and leases to core deposits | 74.2238% | 6,777 |
| Total domestic deposits to total assets | 84.0318% | 3,750 |
| Equity capital to assets | 13.4927% | 1,496 |
| Core capital (leverage) ratio | 13.5964% | 1,242 |
| Tier 1 risk-based capital ratio | 34.1766% | 441 |
| Total risk-based capital ratio | 34.8709% | 447 |
| Memoranda: | ||
| Average total assets | $449,074,670 | 1,574 |
| Average earning assets | $425,424,670 | 1,519 |
| Average equity | $61,059,670 | 1,121 |
| Average total loans | $211,954,330 | 2,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 5,690 |
| Cost of funding earning assets | 3.0506% | 530 |
| Net interest margin | 2.2937% | 7,721 |
| Noninterest income to average assets | 0.0582% | 7,784 |
| Noninterest expense to average assets | 1.5213% | 7,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4656% | 4,589 |
| Return on assets (ROA) | 0.4656% | 4,772 |
| Pretax return on assets | 0.7074% | 4,413 |
| Return on Equity (ROE) | 3.4111% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.4111% | 3,990 |
| Net charge-offs to loans | 0.3360% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.5143% | 2,868 |
| Efficiency ratio | 68.2603% | 4,914 |
| Assets per employee ($millions) | 4.7497% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3864% | 7,962 |
| Loan loss allowance to noncurrent loans | 17.5043% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0678% | 4,555 |
| Noncurrent loans to loans | 2.2076% | 2,966 |
| Net loans and leases to total assets | 46.5606% | 7,151 |
| Net loans and leases to deposits | 55.4809% | 7,186 |
| Net loans and leases to core deposits | 72.8903% | 6,870 |
| Total domestic deposits to total assets | 83.9218% | 3,746 |
| Equity capital to assets | 13.5665% | 1,507 |
| Core capital (leverage) ratio | 13.6746% | 1,269 |
| Tier 1 risk-based capital ratio | 34.9513% | 437 |
| Total risk-based capital ratio | 35.4272% | 456 |
| Memoranda: | ||
| Average total assets | $446,733,000 | 1,589 |
| Average earning assets | $422,731,000 | 1,539 |
| Average equity | $60,977,500 | 1,126 |
| Average total loans | $208,316,500 | 2,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 7,141 |
| Cost of funding earning assets | 3.3141% | 886 |
| Net interest margin | 2.2617% | 7,928 |
| Noninterest income to average assets | 0.0728% | 7,774 |
| Noninterest expense to average assets | 1.6165% | 7,950 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3927% | 5,182 |
| Return on assets (ROA) | 0.3927% | 4,997 |
| Pretax return on assets | 0.6121% | 4,657 |
| Return on Equity (ROE) | 2.7301% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.7301% | 3,481 |
| Net charge-offs to loans | 0.0156% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 85.4333% | 495 |
| Efficiency ratio | 72.5324% | 3,842 |
| Assets per employee ($millions) | 5.3283% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 7,865 |
| Loan loss allowance to noncurrent loans | 67.9245% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 6,130 |
| Noncurrent loans to loans | 0.7213% | 5,228 |
| Net loans and leases to total assets | 46.2909% | 7,302 |
| Net loans and leases to deposits | 55.2408% | 7,372 |
| Net loans and leases to core deposits | 73.1257% | 7,018 |
| Total domestic deposits to total assets | 83.7983% | 3,429 |
| Equity capital to assets | 13.7345% | 1,529 |
| Core capital (leverage) ratio | 13.8369% | 1,302 |
| Tier 1 risk-based capital ratio | 35.4605% | 431 |
| Total risk-based capital ratio | 36.0784% | 436 |
| Memoranda: | ||
| Average total assets | $418,690,200 | 1,626 |
| Average earning assets | $399,081,000 | 1,563 |
| Average equity | $60,217,400 | 1,118 |
| Average total loans | $192,895,000 | 2,365 |