Home > Lisle Savings Bank > Performance and Condition Ratios
Lisle 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 | 3.7623% | 4,217 |
| Cost of funding earning assets | 1.5805% | 1,741 |
| Net interest margin | 2.1818% | 4,332 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.6804% | 4,155 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4832% | 3,702 |
| Return on assets (ROA) | 0.4513% | 3,766 |
| Pretax return on assets | 0.5601% | 3,704 |
| Return on Equity (ROE) | 2.1400% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.1403% | 3,551 |
| Net charge-offs to loans | -0.0054% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.0729% | 1,452 |
| Assets per employee ($millions) | 10.2319% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,258 |
| Loan loss allowance to noncurrent loans | 60.4689% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 506 |
| Noncurrent loans to loans | 1.9960% | 281 |
| Net loans and leases to total assets | 48.7700% | 3,677 |
| Net loans and leases to deposits | 70.3453% | 2,867 |
| Net loans and leases to core deposits | 77.4696% | 2,881 |
| Total domestic deposits to total assets | 69.3300% | 4,312 |
| Equity capital to assets | 22.0646% | 234 |
| Core capital (leverage) ratio | 24.0894% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $570,573,400 | 1,551 |
| Average earning assets | $501,366,600 | 1,632 |
| Average equity | $120,308,000 | 824 |
| Average total loans | $279,385,400 | 1,876 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,181 |
| Cost of funding earning assets | 1.4435% | 1,756 |
| Net interest margin | 2.2857% | 4,308 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.6856% | 4,146 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.5507% | 3,661 |
| Return on assets (ROA) | 0.5086% | 3,742 |
| Pretax return on assets | 0.6383% | 3,665 |
| Return on Equity (ROE) | 2.4400% | 4,154 |
| Retained earnings to average equity (ytd only) | 2.4400% | 3,643 |
| Net charge-offs to loans | -0.0062% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.3807% | 1,632 |
| Assets per employee ($millions) | 9.9897% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,351 |
| Loan loss allowance to noncurrent loans | 58.7379% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 499 |
| Noncurrent loans to loans | 2.0456% | 291 |
| Net loans and leases to total assets | 49.2500% | 3,670 |
| Net loans and leases to deposits | 70.5163% | 2,806 |
| Net loans and leases to core deposits | 77.3801% | 2,774 |
| Total domestic deposits to total assets | 69.8500% | 4,326 |
| Equity capital to assets | 20.9702% | 263 |
| Core capital (leverage) ratio | 23.9240% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $572,528,750 | 1,546 |
| Average earning assets | $503,573,500 | 1,622 |
| Average equity | $119,342,750 | 822 |
| Average total loans | $279,782,000 | 1,877 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,181 |
| Cost of funding earning assets | 1.2960% | 1,721 |
| Net interest margin | 2.3666% | 4,328 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.6564% | 4,203 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.6153% | 3,541 |
| Return on assets (ROA) | 0.5540% | 3,695 |
| Pretax return on assets | 0.7010% | 3,600 |
| Return on Equity (ROE) | 2.6600% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.6629% | 3,561 |
| Net charge-offs to loans | -0.0064% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.6494% | 1,901 |
| Assets per employee ($millions) | 9.6393% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,447 |
| Loan loss allowance to noncurrent loans | 55.9585% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 425 |
| Noncurrent loans to loans | 2.1434% | 245 |
| Net loans and leases to total assets | 48.4900% | 3,661 |
| Net loans and leases to deposits | 68.7012% | 2,881 |
| Net loans and leases to core deposits | 75.2282% | 2,813 |
| Total domestic deposits to total assets | 70.5800% | 4,340 |
| Equity capital to assets | 21.2616% | 249 |
| Core capital (leverage) ratio | 23.4836% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $576,897,667 | 1,540 |
| Average earning assets | $509,245,000 | 1,602 |
| Average equity | $120,019,667 | 811 |
| Average total loans | $280,079,333 | 1,866 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,190 |
| Cost of funding earning assets | 1.1309% | 1,661 |
| Net interest margin | 2.4381% | 4,356 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.6241% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6844% | 3,506 |
| Return on assets (ROA) | 0.6844% | 3,458 |
| Pretax return on assets | 0.8813% | 3,288 |
| Return on Equity (ROE) | 3.3300% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.3252% | 3,427 |
| Net charge-offs to loans | -0.0086% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.8611% | 2,347 |
| Assets per employee ($millions) | 10.0306% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,431 |
| Loan loss allowance to noncurrent loans | 54.5120% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 369 |
| Noncurrent loans to loans | 2.2445% | 226 |
| Net loans and leases to total assets | 47.2800% | 3,684 |
| Net loans and leases to deposits | 66.5971% | 2,886 |
| Net loans and leases to core deposits | 72.6098% | 2,775 |
| Total domestic deposits to total assets | 70.9900% | 4,392 |
| Equity capital to assets | 20.9432% | 211 |
| Core capital (leverage) ratio | 23.1910% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $580,988,500 | 1,547 |
| Average earning assets | $514,653,000 | 1,609 |
| Average equity | $119,570,500 | 824 |
| Average total loans | $280,553,500 | 1,879 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 4,022 |
| Cost of funding earning assets | 0.4230% | 1,918 |
| Net interest margin | 2.6604% | 4,102 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.4763% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8817% | 3,041 |
| Return on assets (ROA) | 0.8868% | 2,961 |
| Pretax return on assets | 1.1447% | 2,624 |
| Return on Equity (ROE) | 4.2600% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.2577% | 3,314 |
| Net charge-offs to loans | -0.0043% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5324% | 3,524 |
| Assets per employee ($millions) | 10.5491% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,364 |
| Loan loss allowance to noncurrent loans | 75.0551% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 604 |
| Noncurrent loans to loans | 1.6041% | 403 |
| Net loans and leases to total assets | 48.1300% | 3,661 |
| Net loans and leases to deposits | 67.0928% | 2,806 |
| Net loans and leases to core deposits | 72.6403% | 2,669 |
| Total domestic deposits to total assets | 71.7400% | 4,435 |
| Equity capital to assets | 20.2168% | 221 |
| Core capital (leverage) ratio | 22.7682% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $593,256,600 | 1,504 |
| Average earning assets | $535,440,600 | 1,538 |
| Average equity | $123,563,000 | 792 |
| Average total loans | $280,768,400 | 1,813 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9698% | 3,939 |
| Cost of funding earning assets | 0.3171% | 1,994 |
| Net interest margin | 2.6527% | 4,019 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.4839% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8737% | 2,991 |
| Return on assets (ROA) | 0.8804% | 2,934 |
| Pretax return on assets | 1.1354% | 2,612 |
| Return on Equity (ROE) | 4.2000% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.1972% | 3,379 |
| Net charge-offs to loans | -0.0038% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.9187% | 3,525 |
| Assets per employee ($millions) | 10.1908% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,506 |
| Loan loss allowance to noncurrent loans | 73.0298% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 627 |
| Noncurrent loans to loans | 1.6482% | 405 |
| Net loans and leases to total assets | 48.0600% | 3,622 |
| Net loans and leases to deposits | 66.6212% | 2,664 |
| Net loans and leases to core deposits | 70.7992% | 2,583 |
| Total domestic deposits to total assets | 72.1300% | 4,505 |
| Equity capital to assets | 19.8307% | 222 |
| Core capital (leverage) ratio | 22.7138% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $596,520,750 | 1,499 |
| Average earning assets | $539,822,250 | 1,534 |
| Average equity | $125,129,250 | 798 |
| Average total loans | $280,297,000 | 1,806 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8204% | 3,942 |
| Cost of funding earning assets | 0.2735% | 1,982 |
| Net interest margin | 2.5469% | 4,007 |
| Noninterest income to average assets | 0.2064% | 3,960 |
| Noninterest expense to average assets | 1.4910% | 4,428 |
| Loan and lease loss provision to assets | -0.0013% | 4,363 |
| Net operating income to assets | 0.8073% | 2,927 |
| Return on assets (ROA) | 0.8073% | 2,897 |
| Pretax return on assets | 1.0320% | 2,630 |
| Return on Equity (ROE) | 3.7823% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.7823% | 3,169 |
| Net charge-offs to loans | 0.0572% | 826 |
| Credit loss provision to net charge-offs | -5.0000% | 2,960 |
| Earnings coverage of net charge-offs (x) | 38.7625% | 1,274 |
| Efficiency ratio | 59.1275% | 3,423 |
| Assets per employee ($millions) | 10.4907% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 2,818 |
| Loan loss allowance to noncurrent loans | 67.8295% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 620 |
| Noncurrent loans to loans | 1.7326% | 392 |
| Net loans and leases to total assets | 47.5930% | 3,582 |
| Net loans and leases to deposits | 65.0004% | 2,642 |
| Net loans and leases to core deposits | 67.4208% | 2,704 |
| Total domestic deposits to total assets | 73.2195% | 4,555 |
| Equity capital to assets | 20.5065% | 159 |
| Core capital (leverage) ratio | 22.2929% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,735,333 | 1,489 |
| Average earning assets | $547,018,000 | 1,532 |
| Average equity | $128,441,667 | 783 |
| Average total loans | $279,547,333 | 1,810 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7918% | 3,760 |
| Cost of funding earning assets | 0.2690% | 1,940 |
| Net interest margin | 2.5227% | 3,853 |
| Noninterest income to average assets | 0.2004% | 3,960 |
| Noninterest expense to average assets | 1.4414% | 4,489 |
| Loan and lease loss provision to assets | -0.0013% | 4,389 |
| Net operating income to assets | 0.8153% | 2,612 |
| Return on assets (ROA) | 0.8153% | 2,599 |
| Pretax return on assets | 1.0643% | 2,250 |
| Return on Equity (ROE) | 3.7485% | 3,938 |
| Retained earnings to average equity (ytd only) | 3.7485% | 3,029 |
| Net charge-offs to loans | 0.1180% | 460 |
| Credit loss provision to net charge-offs | -2.4390% | 2,741 |
| Earnings coverage of net charge-offs (x) | 19.7317% | 1,284 |
| Efficiency ratio | 57.5551% | 3,727 |
| Assets per employee ($millions) | 10.8320% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,906 |
| Loan loss allowance to noncurrent loans | 58.8048% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 570 |
| Noncurrent loans to loans | 2.0241% | 360 |
| Net loans and leases to total assets | 45.5187% | 3,622 |
| Net loans and leases to deposits | 63.1764% | 2,606 |
| Net loans and leases to core deposits | 65.3126% | 2,688 |
| Total domestic deposits to total assets | 72.0502% | 4,621 |
| Equity capital to assets | 21.0478% | 141 |
| Core capital (leverage) ratio | 22.2961% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $608,864,500 | 1,482 |
| Average earning assets | $556,063,500 | 1,516 |
| Average equity | $132,427,000 | 773 |
| Average total loans | $277,859,500 | 1,800 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7356% | 4,277 |
| Cost of funding earning assets | 0.3485% | 1,944 |
| Net interest margin | 2.3871% | 4,337 |
| Noninterest income to average assets | 0.2407% | 3,940 |
| Noninterest expense to average assets | 1.4116% | 4,617 |
| Loan and lease loss provision to assets | -0.0678% | 4,432 |
| Net operating income to assets | 0.7145% | 3,592 |
| Return on assets (ROA) | 0.9058% | 3,083 |
| Pretax return on assets | 1.3296% | 2,268 |
| Return on Equity (ROE) | 4.0450% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,207 |
| Net charge-offs to loans | -0.0146% | 3,862 |
| Credit loss provision to net charge-offs | 1,051.2821% | 516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0597% | 3,439 |
| Assets per employee ($millions) | 10.7217% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,715 |
| Loan loss allowance to noncurrent loans | 61.5079% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 647 |
| Noncurrent loans to loans | 2.0067% | 390 |
| Net loans and leases to total assets | 44.6496% | 3,786 |
| Net loans and leases to deposits | 63.2216% | 2,762 |
| Net loans and leases to core deposits | 65.3421% | 2,878 |
| Total domestic deposits to total assets | 70.6239% | 4,672 |
| Equity capital to assets | 22.4467% | 120 |
| Core capital (leverage) ratio | 22.3066% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,992,200 | 1,440 |
| Average earning assets | $555,189,800 | 1,466 |
| Average equity | $135,474,800 | 769 |
| Average total loans | $267,895,800 | 1,845 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7194% | 4,383 |
| Cost of funding earning assets | 0.3698% | 1,937 |
| Net interest margin | 2.3496% | 4,447 |
| Noninterest income to average assets | 0.2528% | 3,880 |
| Noninterest expense to average assets | 1.4202% | 4,669 |
| Loan and lease loss provision to assets | -0.0901% | 4,582 |
| Net operating income to assets | 0.6641% | 3,857 |
| Return on assets (ROA) | 0.9143% | 3,273 |
| Pretax return on assets | 1.3955% | 2,356 |
| Return on Equity (ROE) | 4.0853% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.0853% | 3,553 |
| Net charge-offs to loans | -0.0191% | 3,942 |
| Credit loss provision to net charge-offs | 1,073.6842% | 497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9563% | 3,128 |
| Assets per employee ($millions) | 10.1123% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,652 |
| Loan loss allowance to noncurrent loans | 62.8293% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 771 |
| Noncurrent loans to loans | 2.0138% | 433 |
| Net loans and leases to total assets | 43.8701% | 3,959 |
| Net loans and leases to deposits | 62.1745% | 3,020 |
| Net loans and leases to core deposits | 64.4094% | 3,094 |
| Total domestic deposits to total assets | 70.5597% | 4,720 |
| Equity capital to assets | 22.4810% | 125 |
| Core capital (leverage) ratio | 22.1658% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,456,000 | 1,458 |
| Average earning assets | $553,790,750 | 1,483 |
| Average equity | $135,048,500 | 786 |
| Average total loans | $265,799,750 | 1,883 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7187% | 4,437 |
| Cost of funding earning assets | 0.4004% | 1,883 |
| Net interest margin | 2.3183% | 4,501 |
| Noninterest income to average assets | 0.2752% | 3,756 |
| Noninterest expense to average assets | 1.4453% | 4,679 |
| Loan and lease loss provision to assets | -0.1325% | 4,686 |
| Net operating income to assets | 0.5932% | 3,997 |
| Return on assets (ROA) | 0.8988% | 3,308 |
| Pretax return on assets | 1.4775% | 2,087 |
| Return on Equity (ROE) | 4.0224% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.0224% | 3,510 |
| Net charge-offs to loans | -0.0370% | 4,241 |
| Credit loss provision to net charge-offs | 814.2857% | 537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1326% | 3,007 |
| Assets per employee ($millions) | 10.3467% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,532 |
| Loan loss allowance to noncurrent loans | 60.8118% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 831 |
| Noncurrent loans to loans | 2.1060% | 445 |
| Net loans and leases to total assets | 43.3239% | 4,085 |
| Net loans and leases to deposits | 61.2386% | 3,280 |
| Net loans and leases to core deposits | 63.6977% | 3,314 |
| Total domestic deposits to total assets | 70.7462% | 4,740 |
| Equity capital to assets | 22.3226% | 121 |
| Core capital (leverage) ratio | 21.8636% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $602,361,667 | 1,454 |
| Average earning assets | $552,992,333 | 1,478 |
| Average equity | $134,597,667 | 784 |
| Average total loans | $264,537,000 | 1,901 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7328% | 4,444 |
| Cost of funding earning assets | 0.4388% | 1,808 |
| Net interest margin | 2.2940% | 4,533 |
| Noninterest income to average assets | 0.2520% | 3,887 |
| Noninterest expense to average assets | 1.3886% | 4,750 |
| Loan and lease loss provision to assets | -0.1698% | 4,789 |
| Net operating income to assets | 0.7751% | 3,499 |
| Return on assets (ROA) | 1.3745% | 1,708 |
| Pretax return on assets | 1.8960% | 1,122 |
| Return on Equity (ROE) | 6.1483% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.1483% | 2,841 |
| Net charge-offs to loans | -0.0715% | 4,521 |
| Credit loss provision to net charge-offs | 540.4255% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9387% | 3,165 |
| Assets per employee ($millions) | 10.3871% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 2,212 |
| Loan loss allowance to noncurrent loans | 65.0646% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 939 |
| Noncurrent loans to loans | 2.0703% | 510 |
| Net loans and leases to total assets | 43.4483% | 4,149 |
| Net loans and leases to deposits | 61.0381% | 3,406 |
| Net loans and leases to core deposits | 63.9491% | 3,418 |
| Total domestic deposits to total assets | 71.1822% | 4,738 |
| Equity capital to assets | 22.0186% | 125 |
| Core capital (leverage) ratio | 22.1779% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,314,000 | 1,453 |
| Average earning assets | $548,743,500 | 1,476 |
| Average equity | $133,761,500 | 784 |
| Average total loans | $262,853,000 | 1,906 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 4,664 |
| Cost of funding earning assets | 0.7970% | 1,226 |
| Net interest margin | 2.1616% | 4,780 |
| Noninterest income to average assets | 0.2524% | 3,972 |
| Noninterest expense to average assets | 1.4733% | 4,797 |
| Loan and lease loss provision to assets | 0.1336% | 2,689 |
| Net operating income to assets | 0.5351% | 3,956 |
| Return on assets (ROA) | 0.6518% | 3,717 |
| Pretax return on assets | 0.7641% | 3,725 |
| Return on Equity (ROE) | 2.7740% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.7740% | 3,477 |
| Net charge-offs to loans | -0.0503% | 4,667 |
| Credit loss provision to net charge-offs | -581.8898% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9599% | 2,536 |
| Assets per employee ($millions) | 10.2444% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,768 |
| Loan loss allowance to noncurrent loans | 62.9013% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 935 |
| Noncurrent loans to loans | 2.3086% | 459 |
| Net loans and leases to total assets | 43.1852% | 4,294 |
| Net loans and leases to deposits | 61.3265% | 3,651 |
| Net loans and leases to core deposits | 64.3862% | 3,666 |
| Total domestic deposits to total assets | 70.4184% | 4,765 |
| Equity capital to assets | 22.6989% | 120 |
| Core capital (leverage) ratio | 22.2871% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,197,000 | 1,427 |
| Average earning assets | $507,033,800 | 1,441 |
| Average equity | $129,992,800 | 768 |
| Average total loans | $252,712,200 | 1,909 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9793% | 4,747 |
| Cost of funding earning assets | 0.8825% | 1,128 |
| Net interest margin | 2.0968% | 4,854 |
| Noninterest income to average assets | 0.2652% | 3,877 |
| Noninterest expense to average assets | 1.5196% | 4,789 |
| Loan and lease loss provision to assets | 0.1822% | 2,160 |
| Net operating income to assets | 0.4270% | 4,210 |
| Return on assets (ROA) | 0.5508% | 3,996 |
| Pretax return on assets | 0.6250% | 4,061 |
| Return on Equity (ROE) | 2.3224% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.3224% | 3,818 |
| Net charge-offs to loans | -0.0128% | 4,287 |
| Credit loss provision to net charge-offs | -3,091.6667% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5125% | 1,959 |
| Assets per employee ($millions) | 10.1272% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,575 |
| Loan loss allowance to noncurrent loans | 59.4638% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.0727% | 998 |
| Noncurrent loans to loans | 2.4206% | 443 |
| Net loans and leases to total assets | 43.6759% | 4,430 |
| Net loans and leases to deposits | 62.3860% | 3,907 |
| Net loans and leases to core deposits | 65.9017% | 3,895 |
| Total domestic deposits to total assets | 70.0091% | 4,756 |
| Equity capital to assets | 22.9052% | 128 |
| Core capital (leverage) ratio | 22.5852% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,952,750 | 1,429 |
| Average earning assets | $497,377,000 | 1,442 |
| Average equity | $128,773,250 | 762 |
| Average total loans | $250,796,250 | 1,916 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 4,815 |
| Cost of funding earning assets | 0.9739% | 1,060 |
| Net interest margin | 2.0774% | 4,925 |
| Noninterest income to average assets | 0.2352% | 4,071 |
| Noninterest expense to average assets | 1.5826% | 4,789 |
| Loan and lease loss provision to assets | 0.2803% | 1,534 |
| Net operating income to assets | 0.2598% | 4,488 |
| Return on assets (ROA) | 0.4079% | 4,281 |
| Pretax return on assets | 0.4263% | 4,378 |
| Return on Equity (ROE) | 1.6987% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.6987% | 3,874 |
| Net charge-offs to loans | -0.0193% | 4,393 |
| Credit loss provision to net charge-offs | -3,104.1667% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1276% | 1,449 |
| Assets per employee ($millions) | 9.7424% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,416 |
| Loan loss allowance to noncurrent loans | 55.3486% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 875 |
| Noncurrent loans to loans | 2.6167% | 433 |
| Net loans and leases to total assets | 45.1432% | 4,397 |
| Net loans and leases to deposits | 65.2206% | 3,789 |
| Net loans and leases to core deposits | 68.8765% | 3,797 |
| Total domestic deposits to total assets | 69.2162% | 4,815 |
| Equity capital to assets | 23.4080% | 119 |
| Core capital (leverage) ratio | 22.9629% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $531,519,667 | 1,430 |
| Average earning assets | $486,078,000 | 1,444 |
| Average equity | $127,624,000 | 765 |
| Average total loans | $249,127,667 | 1,907 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 4,869 |
| Cost of funding earning assets | 1.0248% | 1,318 |
| Net interest margin | 2.1685% | 4,973 |
| Noninterest income to average assets | 0.2648% | 3,950 |
| Noninterest expense to average assets | 1.6119% | 4,845 |
| Loan and lease loss provision to assets | 0.3056% | 1,016 |
| Net operating income to assets | 0.2813% | 4,384 |
| Return on assets (ROA) | 0.5527% | 3,793 |
| Pretax return on assets | 0.6435% | 3,831 |
| Return on Equity (ROE) | 2.2714% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.2714% | 3,344 |
| Net charge-offs to loans | -0.0292% | 4,464 |
| Credit loss provision to net charge-offs | -2,205.5556% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7861% | 2,108 |
| Assets per employee ($millions) | 9.2155% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 1,973 |
| Loan loss allowance to noncurrent loans | 49.9700% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 939 |
| Noncurrent loans to loans | 2.6750% | 429 |
| Net loans and leases to total assets | 45.9851% | 4,424 |
| Net loans and leases to deposits | 66.1154% | 3,857 |
| Net loans and leases to core deposits | 70.2528% | 3,866 |
| Total domestic deposits to total assets | 69.5528% | 4,870 |
| Equity capital to assets | 23.5263% | 135 |
| Core capital (leverage) ratio | 24.6663% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $519,622,000 | 1,416 |
| Average earning assets | $474,619,500 | 1,434 |
| Average equity | $126,442,000 | 765 |
| Average total loans | $246,506,000 | 1,888 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 4,925 |
| Cost of funding earning assets | 0.9419% | 2,002 |
| Net interest margin | 2.4436% | 4,991 |
| Noninterest income to average assets | 0.8158% | 1,404 |
| Noninterest expense to average assets | 1.6591% | 4,912 |
| Loan and lease loss provision to assets | -0.0425% | 5,004 |
| Net operating income to assets | 1.2944% | 1,711 |
| Return on assets (ROA) | 1.3967% | 1,425 |
| Pretax return on assets | 1.5279% | 1,721 |
| Return on Equity (ROE) | 5.8057% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.8057% | 1,979 |
| Net charge-offs to loans | -0.0615% | 4,860 |
| Credit loss provision to net charge-offs | 149.6552% | 1,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7181% | 4,353 |
| Assets per employee ($millions) | 8.7025% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,458 |
| Loan loss allowance to noncurrent loans | 43.1660% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 780 |
| Noncurrent loans to loans | 2.7688% | 368 |
| Net loans and leases to total assets | 47.7423% | 4,439 |
| Net loans and leases to deposits | 64.9826% | 4,008 |
| Net loans and leases to core deposits | 69.5103% | 3,990 |
| Total domestic deposits to total assets | 73.4694% | 4,795 |
| Equity capital to assets | 25.1882% | 123 |
| Core capital (leverage) ratio | 24.7871% | 127 |
| Tier 1 risk-based capital ratio | 56.8724% | 103 |
| Total risk-based capital ratio | 58.1233% | 103 |
| Memoranda: | ||
| Average total assets | $510,645,600 | 1,399 |
| Average earning assets | $463,128,000 | 1,428 |
| Average equity | $122,843,800 | 743 |
| Average total loans | $235,851,400 | 1,918 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 5,000 |
| Cost of funding earning assets | 0.9354% | 2,060 |
| Net interest margin | 2.4999% | 5,065 |
| Noninterest income to average assets | 1.0122% | 913 |
| Noninterest expense to average assets | 1.6766% | 4,946 |
| Loan and lease loss provision to assets | -0.0031% | 5,034 |
| Net operating income to assets | 1.5004% | 1,184 |
| Return on assets (ROA) | 1.5293% | 1,169 |
| Pretax return on assets | 1.6308% | 1,524 |
| Return on Equity (ROE) | 6.4316% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.4316% | 2,151 |
| Net charge-offs to loans | -0.0832% | 4,958 |
| Credit loss provision to net charge-offs | 8.2192% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2168% | 4,657 |
| Assets per employee ($millions) | 8.4288% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 1,956 |
| Loan loss allowance to noncurrent loans | 45.3766% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 869 |
| Noncurrent loans to loans | 2.8697% | 358 |
| Net loans and leases to total assets | 46.7746% | 4,564 |
| Net loans and leases to deposits | 63.5424% | 4,207 |
| Net loans and leases to core deposits | 68.2490% | 4,157 |
| Total domestic deposits to total assets | 73.6116% | 4,830 |
| Equity capital to assets | 25.0118% | 126 |
| Core capital (leverage) ratio | 24.2647% | 134 |
| Tier 1 risk-based capital ratio | 56.6383% | 107 |
| Total risk-based capital ratio | 57.8903% | 104 |
| Memoranda: | ||
| Average total assets | $512,120,750 | 1,401 |
| Average earning assets | $463,254,750 | 1,439 |
| Average equity | $121,770,750 | 747 |
| Average total loans | $233,841,250 | 1,949 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 5,011 |
| Cost of funding earning assets | 0.9085% | 2,099 |
| Net interest margin | 2.5912% | 5,077 |
| Noninterest income to average assets | 1.4017% | 443 |
| Noninterest expense to average assets | 1.7116% | 4,968 |
| Loan and lease loss provision to assets | -0.0023% | 5,094 |
| Net operating income to assets | 1.9097% | 467 |
| Return on assets (ROA) | 1.9422% | 454 |
| Pretax return on assets | 2.0609% | 606 |
| Return on Equity (ROE) | 8.3097% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.3097% | 1,275 |
| Net charge-offs to loans | -0.1259% | 5,047 |
| Credit loss provision to net charge-offs | 4.1096% | 2,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8199% | 4,997 |
| Assets per employee ($millions) | 8.7871% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,864 |
| Loan loss allowance to noncurrent loans | 45.0252% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3396% | 929 |
| Noncurrent loans to loans | 2.9699% | 347 |
| Net loans and leases to total assets | 44.5021% | 4,700 |
| Net loans and leases to deposits | 59.7292% | 4,443 |
| Net loans and leases to core deposits | 64.5851% | 4,384 |
| Total domestic deposits to total assets | 74.5065% | 4,800 |
| Equity capital to assets | 24.1244% | 136 |
| Core capital (leverage) ratio | 24.1060% | 132 |
| Tier 1 risk-based capital ratio | 55.4245% | 112 |
| Total risk-based capital ratio | 56.6762% | 111 |
| Memoranda: | ||
| Average total assets | $514,251,000 | 1,391 |
| Average earning assets | $463,182,330 | 1,442 |
| Average equity | $120,197,000 | 748 |
| Average total loans | $231,897,000 | 1,967 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,154 |
| Cost of funding earning assets | 0.8631% | 2,192 |
| Net interest margin | 2.4825% | 5,196 |
| Noninterest income to average assets | 0.2374% | 4,312 |
| Noninterest expense to average assets | 1.7901% | 4,934 |
| Loan and lease loss provision to assets | -0.0023% | 5,188 |
| Net operating income to assets | 0.6585% | 4,065 |
| Return on assets (ROA) | 0.6615% | 4,094 |
| Pretax return on assets | 0.6857% | 4,330 |
| Return on Equity (ROE) | 2.8770% | 4,812 |
| Retained earnings to average equity (ytd only) | 2.8770% | 3,788 |
| Net charge-offs to loans | -0.2529% | 5,195 |
| Credit loss provision to net charge-offs | 2.0548% | 2,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4629% | 1,967 |
| Assets per employee ($millions) | 8.4510% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,834 |
| Loan loss allowance to noncurrent loans | 38.7616% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 741 |
| Noncurrent loans to loans | 3.5044% | 260 |
| Net loans and leases to total assets | 44.0914% | 4,748 |
| Net loans and leases to deposits | 58.5233% | 4,476 |
| Net loans and leases to core deposits | 62.9668% | 4,431 |
| Total domestic deposits to total assets | 75.3399% | 4,831 |
| Equity capital to assets | 23.1257% | 142 |
| Core capital (leverage) ratio | 23.5229% | 141 |
| Tier 1 risk-based capital ratio | 54.3376% | 114 |
| Total risk-based capital ratio | 55.5894% | 112 |
| Memoranda: | ||
| Average total assets | $512,157,500 | 1,406 |
| Average earning assets | $460,667,000 | 1,449 |
| Average equity | $117,760,500 | 758 |
| Average total loans | $230,924,000 | 1,987 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2105% | 5,142 |
| Cost of funding earning assets | 0.6595% | 2,328 |
| Net interest margin | 2.5510% | 5,185 |
| Noninterest income to average assets | 0.3012% | 4,092 |
| Noninterest expense to average assets | 1.7689% | 5,031 |
| Loan and lease loss provision to assets | 0.0467% | 3,250 |
| Net operating income to assets | 0.7584% | 3,941 |
| Return on assets (ROA) | 0.7704% | 3,917 |
| Pretax return on assets | 0.8086% | 4,149 |
| Return on Equity (ROE) | 3.4917% | 4,823 |
| Retained earnings to average equity (ytd only) | 3.4917% | 3,667 |
| Net charge-offs to loans | 0.1432% | 1,328 |
| Credit loss provision to net charge-offs | 72.4551% | 2,958 |
| Earnings coverage of net charge-offs (x) | 13.0689% | 2,485 |
| Efficiency ratio | 67.7312% | 2,592 |
| Assets per employee ($millions) | 8.2065% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,094 |
| Loan loss allowance to noncurrent loans | 32.8098% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 580 |
| Noncurrent loans to loans | 3.9340% | 192 |
| Net loans and leases to total assets | 44.8964% | 4,785 |
| Net loans and leases to deposits | 59.8306% | 4,490 |
| Net loans and leases to core deposits | 64.2217% | 4,443 |
| Total domestic deposits to total assets | 75.0392% | 4,865 |
| Equity capital to assets | 22.8586% | 148 |
| Core capital (leverage) ratio | 23.0628% | 141 |
| Tier 1 risk-based capital ratio | 54.1898% | 115 |
| Total risk-based capital ratio | 55.4412% | 110 |
| Memoranda: | ||
| Average total assets | $517,946,000 | 1,361 |
| Average earning assets | $469,113,600 | 1,389 |
| Average equity | $114,270,400 | 747 |
| Average total loans | $233,176,200 | 1,922 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 5,205 |
| Cost of funding earning assets | 0.6183% | 2,353 |
| Net interest margin | 2.5652% | 5,239 |
| Noninterest income to average assets | 0.3242% | 3,977 |
| Noninterest expense to average assets | 1.7692% | 5,070 |
| Loan and lease loss provision to assets | 0.0625% | 2,723 |
| Net operating income to assets | 0.7765% | 3,986 |
| Return on assets (ROA) | 0.7891% | 3,956 |
| Pretax return on assets | 0.8314% | 4,221 |
| Return on Equity (ROE) | 3.6086% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.6086% | 3,964 |
| Net charge-offs to loans | 0.1490% | 1,107 |
| Credit loss provision to net charge-offs | 93.4866% | 2,382 |
| Earnings coverage of net charge-offs (x) | 13.1648% | 2,390 |
| Efficiency ratio | 66.7666% | 2,755 |
| Assets per employee ($millions) | 8.1704% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,029 |
| Loan loss allowance to noncurrent loans | 30.5406% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.9478% | 552 |
| Noncurrent loans to loans | 4.3060% | 180 |
| Net loans and leases to total assets | 44.6396% | 4,859 |
| Net loans and leases to deposits | 58.4870% | 4,622 |
| Net loans and leases to core deposits | 63.4465% | 4,554 |
| Total domestic deposits to total assets | 76.3240% | 4,752 |
| Equity capital to assets | 22.1648% | 159 |
| Core capital (leverage) ratio | 22.7258% | 146 |
| Tier 1 risk-based capital ratio | 53.6060% | 116 |
| Total risk-based capital ratio | 54.8574% | 112 |
| Memoranda: | ||
| Average total assets | $520,232,000 | 1,353 |
| Average earning assets | $471,634,500 | 1,384 |
| Average equity | $113,761,750 | 749 |
| Average total loans | $233,615,000 | 1,927 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 5,274 |
| Cost of funding earning assets | 0.5809% | 2,355 |
| Net interest margin | 2.5541% | 5,303 |
| Noninterest income to average assets | 0.2360% | 4,603 |
| Noninterest expense to average assets | 1.7944% | 5,102 |
| Loan and lease loss provision to assets | 0.0782% | 2,343 |
| Net operating income to assets | 0.6819% | 4,246 |
| Return on assets (ROA) | 0.7007% | 4,196 |
| Pretax return on assets | 0.7014% | 4,510 |
| Return on Equity (ROE) | 3.2186% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.2186% | 3,961 |
| Net charge-offs to loans | 0.1625% | 951 |
| Credit loss provision to net charge-offs | 107.3684% | 1,929 |
| Earnings coverage of net charge-offs (x) | 10.4526% | 2,328 |
| Efficiency ratio | 70.2249% | 2,273 |
| Assets per employee ($millions) | 8.2224% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 2,031 |
| Loan loss allowance to noncurrent loans | 25.9676% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.3507% | 385 |
| Noncurrent loans to loans | 5.1213% | 128 |
| Net loans and leases to total assets | 44.3009% | 4,885 |
| Net loans and leases to deposits | 57.8600% | 4,650 |
| Net loans and leases to core deposits | 62.0221% | 4,600 |
| Total domestic deposits to total assets | 76.5657% | 4,790 |
| Equity capital to assets | 21.9309% | 168 |
| Core capital (leverage) ratio | 22.3424% | 156 |
| Tier 1 risk-based capital ratio | 53.2329% | 116 |
| Total risk-based capital ratio | 54.4848% | 112 |
| Memoranda: | ||
| Average total assets | $522,064,000 | 1,356 |
| Average earning assets | $474,063,330 | 1,386 |
| Average equity | $113,652,330 | 749 |
| Average total loans | $233,874,000 | 1,928 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 5,314 |
| Cost of funding earning assets | 0.5465% | 2,433 |
| Net interest margin | 2.5513% | 5,354 |
| Noninterest income to average assets | 0.2129% | 4,733 |
| Noninterest expense to average assets | 1.6997% | 5,248 |
| Loan and lease loss provision to assets | 0.1580% | 1,142 |
| Net operating income to assets | 0.6922% | 4,130 |
| Return on assets (ROA) | 0.7350% | 3,972 |
| Pretax return on assets | 0.7213% | 4,379 |
| Return on Equity (ROE) | 3.3886% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.3886% | 3,854 |
| Net charge-offs to loans | 0.4230% | 367 |
| Credit loss provision to net charge-offs | 83.4677% | 1,710 |
| Earnings coverage of net charge-offs (x) | 4.4194% | 2,306 |
| Efficiency ratio | 67.0178% | 3,004 |
| Assets per employee ($millions) | 8.3190% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,229 |
| Loan loss allowance to noncurrent loans | 25.1324% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.3572% | 413 |
| Noncurrent loans to loans | 5.1855% | 138 |
| Net loans and leases to total assets | 43.8993% | 4,903 |
| Net loans and leases to deposits | 57.0464% | 4,641 |
| Net loans and leases to core deposits | 61.1775% | 4,605 |
| Total domestic deposits to total assets | 76.9536% | 4,860 |
| Equity capital to assets | 21.5701% | 168 |
| Core capital (leverage) ratio | 22.1645% | 149 |
| Tier 1 risk-based capital ratio | 53.1386% | 114 |
| Total risk-based capital ratio | 54.3903% | 111 |
| Memoranda: | ||
| Average total assets | $524,089,000 | 1,363 |
| Average earning assets | $477,241,000 | 1,393 |
| Average equity | $113,676,000 | 749 |
| Average total loans | $234,522,000 | 1,935 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 5,333 |
| Cost of funding earning assets | 0.4667% | 2,627 |
| Net interest margin | 2.5730% | 5,369 |
| Noninterest income to average assets | 0.2357% | 4,725 |
| Noninterest expense to average assets | 1.6349% | 5,382 |
| Loan and lease loss provision to assets | 0.0073% | 4,119 |
| Net operating income to assets | 0.7096% | 3,560 |
| Return on assets (ROA) | 0.7800% | 3,289 |
| Pretax return on assets | 1.0496% | 3,384 |
| Return on Equity (ROE) | 3.7124% | 4,599 |
| Retained earnings to average equity (ytd only) | 3.7124% | 3,003 |
| Net charge-offs to loans | 0.0228% | 3,350 |
| Credit loss provision to net charge-offs | 72.2222% | 3,059 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 666 |
| Efficiency ratio | 62.9603% | 3,784 |
| Assets per employee ($millions) | 8.5915% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,191 |
| Loan loss allowance to noncurrent loans | 22.0102% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.6692% | 329 |
| Noncurrent loans to loans | 5.9293% | 90 |
| Net loans and leases to total assets | 44.4306% | 4,958 |
| Net loans and leases to deposits | 57.8787% | 4,694 |
| Net loans and leases to core deposits | 61.8001% | 4,670 |
| Total domestic deposits to total assets | 76.7649% | 4,888 |
| Equity capital to assets | 21.8103% | 156 |
| Core capital (leverage) ratio | 21.8156% | 151 |
| Tier 1 risk-based capital ratio | 52.1497% | 112 |
| Total risk-based capital ratio | 53.4015% | 111 |
| Memoranda: | ||
| Average total assets | $533,359,200 | 1,323 |
| Average earning assets | $489,435,200 | 1,330 |
| Average equity | $112,057,400 | 736 |
| Average total loans | $237,258,200 | 1,894 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0521% | 5,379 |
| Cost of funding earning assets | 0.4561% | 2,653 |
| Net interest margin | 2.5960% | 5,408 |
| Noninterest income to average assets | 0.2377% | 4,784 |
| Noninterest expense to average assets | 1.6283% | 5,426 |
| Loan and lease loss provision to assets | 0.0142% | 3,861 |
| Net operating income to assets | 0.8813% | 3,122 |
| Return on assets (ROA) | 0.9859% | 2,675 |
| Pretax return on assets | 1.0944% | 3,323 |
| Return on Equity (ROE) | 4.7367% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7367% | 3,060 |
| Net charge-offs to loans | 0.0303% | 2,823 |
| Credit loss provision to net charge-offs | 105.5556% | 2,200 |
| Earnings coverage of net charge-offs (x) | 73.8315% | 861 |
| Efficiency ratio | 62.1332% | 3,861 |
| Assets per employee ($millions) | 8.5340% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,357 |
| Loan loss allowance to noncurrent loans | 23.0982% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.5341% | 420 |
| Noncurrent loans to loans | 5.6255% | 120 |
| Net loans and leases to total assets | 44.4605% | 5,003 |
| Net loans and leases to deposits | 57.7776% | 4,773 |
| Net loans and leases to core deposits | 61.7683% | 4,726 |
| Total domestic deposits to total assets | 76.9511% | 4,905 |
| Equity capital to assets | 21.5830% | 166 |
| Core capital (leverage) ratio | 21.5695% | 154 |
| Tier 1 risk-based capital ratio | 51.0563% | 122 |
| Total risk-based capital ratio | 52.3080% | 120 |
| Memoranda: | ||
| Average total assets | $535,678,250 | 1,323 |
| Average earning assets | $491,713,000 | 1,335 |
| Average equity | $111,495,750 | 742 |
| Average total loans | $237,589,750 | 1,903 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0466% | 5,401 |
| Cost of funding earning assets | 0.4486% | 2,615 |
| Net interest margin | 2.5980% | 5,439 |
| Noninterest income to average assets | 0.2462% | 4,766 |
| Noninterest expense to average assets | 1.6484% | 5,457 |
| Loan and lease loss provision to assets | 0.0227% | 3,535 |
| Net operating income to assets | 0.8896% | 2,969 |
| Return on assets (ROA) | 0.9311% | 2,816 |
| Pretax return on assets | 1.0036% | 3,562 |
| Return on Equity (ROE) | 4.5282% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.5282% | 3,017 |
| Net charge-offs to loans | 0.0624% | 2,032 |
| Credit loss provision to net charge-offs | 82.4324% | 2,234 |
| Earnings coverage of net charge-offs (x) | 35.6757% | 1,348 |
| Efficiency ratio | 62.6750% | 3,873 |
| Assets per employee ($millions) | 8.6770% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,492 |
| Loan loss allowance to noncurrent loans | 30.5746% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 713 |
| Noncurrent loans to loans | 4.2006% | 217 |
| Net loans and leases to total assets | 44.0192% | 5,041 |
| Net loans and leases to deposits | 56.6938% | 4,825 |
| Net loans and leases to core deposits | 60.6404% | 4,789 |
| Total domestic deposits to total assets | 77.6437% | 4,875 |
| Equity capital to assets | 20.9535% | 185 |
| Core capital (leverage) ratio | 21.0657% | 165 |
| Tier 1 risk-based capital ratio | 48.6912% | 129 |
| Total risk-based capital ratio | 49.9420% | 128 |
| Memoranda: | ||
| Average total assets | $537,867,670 | 1,325 |
| Average earning assets | $493,535,330 | 1,337 |
| Average equity | $110,595,000 | 745 |
| Average total loans | $237,339,000 | 1,905 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 5,453 |
| Cost of funding earning assets | 0.4444% | 2,576 |
| Net interest margin | 2.5571% | 5,498 |
| Noninterest income to average assets | 0.2187% | 4,962 |
| Noninterest expense to average assets | 1.5842% | 5,572 |
| Loan and lease loss provision to assets | -0.1056% | 5,753 |
| Net operating income to assets | 0.9877% | 2,358 |
| Return on assets (ROA) | 0.9877% | 2,406 |
| Pretax return on assets | 1.0851% | 3,045 |
| Return on Equity (ROE) | 4.8498% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.8498% | 2,986 |
| Net charge-offs to loans | -0.2067% | 5,626 |
| Credit loss provision to net charge-offs | 116.3934% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7929% | 4,180 |
| Assets per employee ($millions) | 9.1419% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,559 |
| Loan loss allowance to noncurrent loans | 29.1679% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 659 |
| Noncurrent loans to loans | 4.4405% | 213 |
| Net loans and leases to total assets | 43.4327% | 5,070 |
| Net loans and leases to deposits | 55.7041% | 4,835 |
| Net loans and leases to core deposits | 59.3395% | 4,814 |
| Total domestic deposits to total assets | 77.9704% | 4,968 |
| Equity capital to assets | 20.4870% | 197 |
| Core capital (leverage) ratio | 20.8199% | 173 |
| Tier 1 risk-based capital ratio | 48.4024% | 140 |
| Total risk-based capital ratio | 49.6532% | 139 |
| Memoranda: | ||
| Average total assets | $537,813,000 | 1,324 |
| Average earning assets | $493,216,000 | 1,336 |
| Average equity | $109,530,000 | 752 |
| Average total loans | $236,061,500 | 1,922 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0001% | 5,503 |
| Cost of funding earning assets | 0.4768% | 2,286 |
| Net interest margin | 2.5233% | 5,573 |
| Noninterest income to average assets | 0.2492% | 4,931 |
| Noninterest expense to average assets | 1.5983% | 5,650 |
| Loan and lease loss provision to assets | -0.0174% | 5,511 |
| Net operating income to assets | 0.8292% | 3,164 |
| Return on assets (ROA) | 1.0947% | 2,017 |
| Pretax return on assets | 1.3174% | 2,221 |
| Return on Equity (ROE) | 5.4281% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,061 |
| Net charge-offs to loans | 0.1023% | 2,250 |
| Credit loss provision to net charge-offs | -40.0000% | 4,803 |
| Earnings coverage of net charge-offs (x) | 22.5447% | 1,726 |
| Efficiency ratio | 61.9861% | 4,255 |
| Assets per employee ($millions) | 9.0891% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,443 |
| Loan loss allowance to noncurrent loans | 20.7804% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.8084% | 387 |
| Noncurrent loans to loans | 6.3415% | 88 |
| Net loans and leases to total assets | 43.2055% | 5,163 |
| Net loans and leases to deposits | 55.1133% | 4,960 |
| Net loans and leases to core deposits | 58.5159% | 4,929 |
| Total domestic deposits to total assets | 78.3939% | 4,916 |
| Equity capital to assets | 20.2439% | 201 |
| Core capital (leverage) ratio | 20.6989% | 176 |
| Tier 1 risk-based capital ratio | 47.0673% | 157 |
| Total risk-based capital ratio | 48.3180% | 156 |
| Memoranda: | ||
| Average total assets | $540,524,000 | 1,282 |
| Average earning assets | $498,946,600 | 1,276 |
| Average equity | $109,006,000 | 737 |
| Average total loans | $229,672,400 | 1,907 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 5,573 |
| Cost of funding earning assets | 0.4830% | 2,232 |
| Net interest margin | 2.5111% | 5,650 |
| Noninterest income to average assets | 0.2504% | 4,966 |
| Noninterest expense to average assets | 1.5982% | 5,691 |
| Loan and lease loss provision to assets | -0.0027% | 5,627 |
| Net operating income to assets | 0.7954% | 3,387 |
| Return on assets (ROA) | 1.1472% | 1,922 |
| Pretax return on assets | 1.4069% | 2,014 |
| Return on Equity (ROE) | 5.6940% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,359 |
| Net charge-offs to loans | 0.0706% | 2,303 |
| Credit loss provision to net charge-offs | -9.0909% | 4,610 |
| Earnings coverage of net charge-offs (x) | 32.7354% | 1,412 |
| Efficiency ratio | 62.1066% | 4,213 |
| Assets per employee ($millions) | 8.8464% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 2,085 |
| Loan loss allowance to noncurrent loans | 21.6490% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.8479% | 428 |
| Noncurrent loans to loans | 6.5802% | 97 |
| Net loans and leases to total assets | 42.1883% | 5,284 |
| Net loans and leases to deposits | 54.3339% | 5,092 |
| Net loans and leases to core deposits | 57.9055% | 5,057 |
| Total domestic deposits to total assets | 77.6465% | 4,973 |
| Equity capital to assets | 20.6865% | 211 |
| Core capital (leverage) ratio | 20.4515% | 186 |
| Tier 1 risk-based capital ratio | 47.0867% | 159 |
| Total risk-based capital ratio | 48.3385% | 157 |
| Memoranda: | ||
| Average total assets | $541,591,000 | 1,280 |
| Average earning assets | $501,019,500 | 1,278 |
| Average equity | $109,117,750 | 737 |
| Average total loans | $228,394,000 | 1,920 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 5,589 |
| Cost of funding earning assets | 0.4789% | 2,279 |
| Net interest margin | 2.5785% | 5,688 |
| Noninterest income to average assets | 0.2578% | 4,935 |
| Noninterest expense to average assets | 1.6373% | 5,734 |
| Loan and lease loss provision to assets | -0.0033% | 5,746 |
| Net operating income to assets | 0.8659% | 3,024 |
| Return on assets (ROA) | 1.0597% | 2,253 |
| Pretax return on assets | 1.2341% | 2,652 |
| Return on Equity (ROE) | 5.3066% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,538 |
| Net charge-offs to loans | 0.1064% | 1,763 |
| Credit loss provision to net charge-offs | -7.4380% | 4,454 |
| Earnings coverage of net charge-offs (x) | 22.5289% | 1,622 |
| Efficiency ratio | 61.9539% | 4,356 |
| Assets per employee ($millions) | 9.2295% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 2,100 |
| Loan loss allowance to noncurrent loans | 21.7073% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.8173% | 445 |
| Noncurrent loans to loans | 6.6392% | 100 |
| Net loans and leases to total assets | 41.3562% | 5,365 |
| Net loans and leases to deposits | 52.8636% | 5,209 |
| Net loans and leases to core deposits | 56.1087% | 5,163 |
| Total domestic deposits to total assets | 78.2318% | 4,951 |
| Equity capital to assets | 20.4476% | 209 |
| Core capital (leverage) ratio | 20.0078% | 196 |
| Tier 1 risk-based capital ratio | 44.3606% | 180 |
| Total risk-based capital ratio | 45.6119% | 177 |
| Memoranda: | ||
| Average total assets | $542,245,330 | 1,283 |
| Average earning assets | $501,527,000 | 1,282 |
| Average equity | $108,280,330 | 742 |
| Average total loans | $227,542,000 | 1,932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0378% | 5,658 |
| Cost of funding earning assets | 0.4791% | 2,285 |
| Net interest margin | 2.5588% | 5,757 |
| Noninterest income to average assets | 0.2329% | 5,074 |
| Noninterest expense to average assets | 1.5953% | 5,832 |
| Loan and lease loss provision to assets | -0.0022% | 5,863 |
| Net operating income to assets | 0.8112% | 3,182 |
| Return on assets (ROA) | 0.9921% | 2,430 |
| Pretax return on assets | 1.2242% | 2,607 |
| Return on Equity (ROE) | 5.0287% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.0287% | 2,926 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4990% | 4,525 |
| Assets per employee ($millions) | 9.1661% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,941 |
| Loan loss allowance to noncurrent loans | 23.3272% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.7546% | 498 |
| Noncurrent loans to loans | 6.4709% | 123 |
| Net loans and leases to total assets | 41.2628% | 5,385 |
| Net loans and leases to deposits | 52.3973% | 5,202 |
| Net loans and leases to core deposits | 55.3094% | 5,170 |
| Total domestic deposits to total assets | 78.7499% | 5,020 |
| Equity capital to assets | 19.9289% | 214 |
| Core capital (leverage) ratio | 19.8756% | 203 |
| Tier 1 risk-based capital ratio | 44.3709% | 187 |
| Total risk-based capital ratio | 45.6233% | 181 |
| Memoranda: | ||
| Average total assets | $541,099,000 | 1,284 |
| Average earning assets | $499,303,000 | 1,288 |
| Average equity | $106,748,000 | 753 |
| Average total loans | $227,066,500 | 1,936 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 5,654 |
| Cost of funding earning assets | 0.4825% | 2,333 |
| Net interest margin | 2.6029% | 5,754 |
| Noninterest income to average assets | 0.2422% | 5,147 |
| Noninterest expense to average assets | 1.6170% | 5,905 |
| Loan and lease loss provision to assets | -0.0754% | 5,803 |
| Net operating income to assets | 0.8283% | 3,203 |
| Return on assets (ROA) | 0.8788% | 3,068 |
| Pretax return on assets | 1.1678% | 2,779 |
| Return on Equity (ROE) | 4.5818% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.5818% | 2,719 |
| Net charge-offs to loans | -0.0252% | 5,343 |
| Credit loss provision to net charge-offs | 701.7241% | 473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2010% | 4,731 |
| Assets per employee ($millions) | 9.0234% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,980 |
| Loan loss allowance to noncurrent loans | 20.9064% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 3.0678% | 423 |
| Noncurrent loans to loans | 7.1949% | 98 |
| Net loans and leases to total assets | 41.4004% | 5,444 |
| Net loans and leases to deposits | 52.3383% | 5,268 |
| Net loans and leases to core deposits | 55.1771% | 5,244 |
| Total domestic deposits to total assets | 79.1014% | 4,954 |
| Equity capital to assets | 19.5273% | 224 |
| Core capital (leverage) ratio | 19.4903% | 217 |
| Tier 1 risk-based capital ratio | 43.2792% | 191 |
| Total risk-based capital ratio | 44.5311% | 187 |
| Memoranda: | ||
| Average total assets | $540,142,400 | 1,256 |
| Average earning assets | $498,015,800 | 1,258 |
| Average equity | $103,606,200 | 745 |
| Average total loans | $229,973,400 | 1,859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1155% | 5,687 |
| Cost of funding earning assets | 0.4792% | 2,416 |
| Net interest margin | 2.6364% | 5,796 |
| Noninterest income to average assets | 0.2378% | 5,230 |
| Noninterest expense to average assets | 1.6548% | 5,939 |
| Loan and lease loss provision to assets | -0.0837% | 5,974 |
| Net operating income to assets | 0.7938% | 3,459 |
| Return on assets (ROA) | 0.8585% | 3,222 |
| Pretax return on assets | 1.1878% | 2,863 |
| Return on Equity (ROE) | 4.4962% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.4962% | 3,272 |
| Net charge-offs to loans | -0.0729% | 5,673 |
| Credit loss provision to net charge-offs | 269.0476% | 1,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0026% | 4,567 |
| Assets per employee ($millions) | 8.5733% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,981 |
| Loan loss allowance to noncurrent loans | 21.5645% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.1797% | 449 |
| Noncurrent loans to loans | 7.1659% | 96 |
| Net loans and leases to total assets | 41.9820% | 5,491 |
| Net loans and leases to deposits | 53.1525% | 5,306 |
| Net loans and leases to core deposits | 56.6308% | 5,272 |
| Total domestic deposits to total assets | 78.9841% | 4,984 |
| Equity capital to assets | 19.3687% | 257 |
| Core capital (leverage) ratio | 19.1875% | 233 |
| Tier 1 risk-based capital ratio | 43.6861% | 202 |
| Total risk-based capital ratio | 44.9392% | 197 |
| Memoranda: | ||
| Average total assets | $539,827,750 | 1,264 |
| Average earning assets | $497,795,000 | 1,263 |
| Average equity | $103,077,500 | 755 |
| Average total loans | $230,575,500 | 1,873 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 5,701 |
| Cost of funding earning assets | 0.4707% | 2,511 |
| Net interest margin | 2.6625% | 5,809 |
| Noninterest income to average assets | 0.2501% | 5,156 |
| Noninterest expense to average assets | 1.5919% | 6,055 |
| Loan and lease loss provision to assets | -0.1671% | 6,153 |
| Net operating income to assets | 0.8509% | 3,123 |
| Return on assets (ROA) | 0.9053% | 2,970 |
| Pretax return on assets | 1.3610% | 2,144 |
| Return on Equity (ROE) | 4.7638% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.7638% | 3,015 |
| Net charge-offs to loans | -0.1509% | 5,937 |
| Credit loss provision to net charge-offs | 259.1954% | 1,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8574% | 5,128 |
| Assets per employee ($millions) | 8.8894% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 2,211 |
| Loan loss allowance to noncurrent loans | 20.1336% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 3.3886% | 432 |
| Noncurrent loans to loans | 7.5478% | 98 |
| Net loans and leases to total assets | 41.7690% | 5,517 |
| Net loans and leases to deposits | 52.4482% | 5,353 |
| Net loans and leases to core deposits | 55.9951% | 5,310 |
| Total domestic deposits to total assets | 79.6385% | 4,943 |
| Equity capital to assets | 18.9457% | 269 |
| Core capital (leverage) ratio | 19.0727% | 234 |
| Tier 1 risk-based capital ratio | 43.0412% | 218 |
| Total risk-based capital ratio | 44.2937% | 215 |
| Memoranda: | ||
| Average total assets | $539,730,670 | 1,271 |
| Average earning assets | $497,573,670 | 1,265 |
| Average equity | $102,565,330 | 762 |
| Average total loans | $230,663,330 | 1,881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 5,765 |
| Cost of funding earning assets | 0.4579% | 2,699 |
| Net interest margin | 2.6548% | 5,857 |
| Noninterest income to average assets | 0.1679% | 5,718 |
| Noninterest expense to average assets | 1.6276% | 6,085 |
| Loan and lease loss provision to assets | -0.2912% | 6,307 |
| Net operating income to assets | 0.7093% | 3,750 |
| Return on assets (ROA) | 0.8134% | 3,322 |
| Pretax return on assets | 1.4448% | 1,734 |
| Return on Equity (ROE) | 4.2740% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.2740% | 3,449 |
| Net charge-offs to loans | -0.4312% | 6,216 |
| Credit loss provision to net charge-offs | 157.4297% | 1,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1560% | 4,772 |
| Assets per employee ($millions) | 8.9069% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,130 |
| Loan loss allowance to noncurrent loans | 21.3170% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 3.3428% | 520 |
| Noncurrent loans to loans | 7.4031% | 115 |
| Net loans and leases to total assets | 41.6566% | 5,508 |
| Net loans and leases to deposits | 52.4131% | 5,308 |
| Net loans and leases to core deposits | 55.7450% | 5,266 |
| Total domestic deposits to total assets | 79.4774% | 5,176 |
| Equity capital to assets | 19.0487% | 263 |
| Core capital (leverage) ratio | 18.9899% | 242 |
| Tier 1 risk-based capital ratio | 42.9950% | 218 |
| Total risk-based capital ratio | 44.2483% | 216 |
| Memoranda: | ||
| Average total assets | $538,469,000 | 1,271 |
| Average earning assets | $497,056,500 | 1,274 |
| Average equity | $102,481,000 | 762 |
| Average total loans | $231,000,500 | 1,869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1585% | 5,887 |
| Cost of funding earning assets | 0.4517% | 3,153 |
| Net interest margin | 2.7068% | 5,929 |
| Noninterest income to average assets | 0.2410% | 5,398 |
| Noninterest expense to average assets | 1.6286% | 6,220 |
| Loan and lease loss provision to assets | -0.0570% | 6,055 |
| Net operating income to assets | 0.7530% | 3,620 |
| Return on assets (ROA) | 0.7753% | 3,588 |
| Pretax return on assets | 1.2100% | 2,613 |
| Return on Equity (ROE) | 4.2161% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.2161% | 3,194 |
| Net charge-offs to loans | 0.1824% | 2,207 |
| Credit loss provision to net charge-offs | -72.4880% | 5,467 |
| Earnings coverage of net charge-offs (x) | 14.2201% | 2,185 |
| Efficiency ratio | 59.2905% | 5,310 |
| Assets per employee ($millions) | 8.6068% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,007 |
| Loan loss allowance to noncurrent loans | 20.1841% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 3.5851% | 513 |
| Noncurrent loans to loans | 8.0536% | 112 |
| Net loans and leases to total assets | 42.7781% | 5,559 |
| Net loans and leases to deposits | 53.6698% | 5,357 |
| Net loans and leases to core deposits | 57.1844% | 5,297 |
| Total domestic deposits to total assets | 79.7061% | 5,091 |
| Equity capital to assets | 19.0149% | 263 |
| Core capital (leverage) ratio | 18.9784% | 247 |
| Tier 1 risk-based capital ratio | 42.1634% | 208 |
| Total risk-based capital ratio | 43.4311% | 207 |
| Memoranda: | ||
| Average total assets | $531,557,200 | 1,264 |
| Average earning assets | $492,102,600 | 1,247 |
| Average equity | $97,743,800 | 749 |
| Average total loans | $229,215,000 | 1,827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 5,897 |
| Cost of funding earning assets | 0.4485% | 3,270 |
| Net interest margin | 2.7527% | 5,935 |
| Noninterest income to average assets | 0.1913% | 5,772 |
| Noninterest expense to average assets | 1.6448% | 6,251 |
| Loan and lease loss provision to assets | 0.0005% | 4,399 |
| Net operating income to assets | 0.6540% | 4,197 |
| Return on assets (ROA) | 0.6638% | 4,237 |
| Pretax return on assets | 1.1118% | 3,143 |
| Return on Equity (ROE) | 3.6413% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.6413% | 4,057 |
| Net charge-offs to loans | 0.3005% | 1,317 |
| Credit loss provision to net charge-offs | 0.3883% | 3,799 |
| Earnings coverage of net charge-offs (x) | 8.4835% | 2,792 |
| Efficiency ratio | 59.9908% | 5,182 |
| Assets per employee ($millions) | 8.3931% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 1,762 |
| Loan loss allowance to noncurrent loans | 19.3834% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 4.0415% | 482 |
| Noncurrent loans to loans | 9.1354% | 94 |
| Net loans and leases to total assets | 41.7544% | 5,693 |
| Net loans and leases to deposits | 52.2247% | 5,520 |
| Net loans and leases to core deposits | 55.5193% | 5,478 |
| Total domestic deposits to total assets | 79.9514% | 5,113 |
| Equity capital to assets | 18.7411% | 286 |
| Core capital (leverage) ratio | 18.7693% | 263 |
| Tier 1 risk-based capital ratio | 42.1932% | 208 |
| Total risk-based capital ratio | 43.4615% | 206 |
| Memoranda: | ||
| Average total assets | $531,041,750 | 1,267 |
| Average earning assets | $492,011,750 | 1,260 |
| Average equity | $96,813,000 | 756 |
| Average total loans | $228,507,750 | 1,843 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2020% | 5,950 |
| Cost of funding earning assets | 0.4517% | 3,309 |
| Net interest margin | 2.7502% | 5,987 |
| Noninterest income to average assets | 0.2136% | 5,674 |
| Noninterest expense to average assets | 1.6690% | 6,299 |
| Loan and lease loss provision to assets | 0.0011% | 4,187 |
| Net operating income to assets | 0.7939% | 3,365 |
| Return on assets (ROA) | 0.7939% | 3,461 |
| Pretax return on assets | 1.0895% | 3,137 |
| Return on Equity (ROE) | 4.3955% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.3955% | 3,380 |
| Net charge-offs to loans | 0.4387% | 927 |
| Credit loss provision to net charge-offs | 0.5952% | 3,398 |
| Earnings coverage of net charge-offs (x) | 5.7540% | 2,876 |
| Efficiency ratio | 60.4797% | 5,224 |
| Assets per employee ($millions) | 8.8409% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 1,967 |
| Loan loss allowance to noncurrent loans | 18.3921% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 4.2516% | 475 |
| Noncurrent loans to loans | 9.5345% | 89 |
| Net loans and leases to total assets | 42.1626% | 5,669 |
| Net loans and leases to deposits | 52.6021% | 5,456 |
| Net loans and leases to core deposits | 55.6607% | 5,435 |
| Total domestic deposits to total assets | 80.1539% | 5,203 |
| Equity capital to assets | 18.6134% | 286 |
| Core capital (leverage) ratio | 18.4841% | 275 |
| Tier 1 risk-based capital ratio | 41.7317% | 210 |
| Total risk-based capital ratio | 43.0005% | 208 |
| Memoranda: | ||
| Average total assets | $531,801,000 | 1,262 |
| Average earning assets | $492,320,670 | 1,256 |
| Average equity | $96,052,000 | 756 |
| Average total loans | $229,756,330 | 1,824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 5,941 |
| Cost of funding earning assets | 0.4574% | 3,347 |
| Net interest margin | 2.7865% | 5,960 |
| Noninterest income to average assets | 0.2013% | 5,746 |
| Noninterest expense to average assets | 1.6602% | 6,383 |
| Loan and lease loss provision to assets | 0.0045% | 3,762 |
| Net operating income to assets | 0.8248% | 3,031 |
| Return on assets (ROA) | 0.8248% | 3,102 |
| Pretax return on assets | 1.1133% | 2,839 |
| Return on Equity (ROE) | 4.6373% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.6373% | 3,335 |
| Net charge-offs to loans | 0.3882% | 941 |
| Credit loss provision to net charge-offs | 2.6786% | 2,665 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 2,204 |
| Efficiency ratio | 59.7620% | 5,430 |
| Assets per employee ($millions) | 8.7647% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 1,820 |
| Loan loss allowance to noncurrent loans | 19.1027% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 4.4598% | 494 |
| Noncurrent loans to loans | 9.8173% | 102 |
| Net loans and leases to total assets | 41.8368% | 5,681 |
| Net loans and leases to deposits | 51.7273% | 5,473 |
| Net loans and leases to core deposits | 53.8334% | 5,510 |
| Total domestic deposits to total assets | 80.8797% | 5,267 |
| Equity capital to assets | 17.9285% | 327 |
| Core capital (leverage) ratio | 18.2235% | 295 |
| Tier 1 risk-based capital ratio | 40.9516% | 220 |
| Total risk-based capital ratio | 42.2192% | 217 |
| Memoranda: | ||
| Average total assets | $532,473,500 | 1,272 |
| Average earning assets | $492,367,500 | 1,261 |
| Average equity | $94,710,000 | 770 |
| Average total loans | $230,811,500 | 1,819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 6,176 |
| Cost of funding earning assets | 0.4966% | 3,647 |
| Net interest margin | 2.6698% | 6,176 |
| Noninterest income to average assets | 0.1958% | 5,913 |
| Noninterest expense to average assets | 1.6602% | 6,477 |
| Loan and lease loss provision to assets | 0.0214% | 4,706 |
| Net operating income to assets | 0.7275% | 3,668 |
| Return on assets (ROA) | 0.7369% | 3,700 |
| Pretax return on assets | 1.0078% | 3,320 |
| Return on Equity (ROE) | 4.1479% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.1479% | 3,220 |
| Net charge-offs to loans | 0.2853% | 2,264 |
| Credit loss provision to net charge-offs | 16.4964% | 4,507 |
| Earnings coverage of net charge-offs (x) | 7.8482% | 2,771 |
| Efficiency ratio | 62.0285% | 5,211 |
| Assets per employee ($millions) | 8.8384% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 1,729 |
| Loan loss allowance to noncurrent loans | 20.0009% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 4.4942% | 559 |
| Noncurrent loans to loans | 9.6136% | 121 |
| Net loans and leases to total assets | 43.2162% | 5,743 |
| Net loans and leases to deposits | 53.2179% | 5,533 |
| Net loans and leases to core deposits | 55.3353% | 5,591 |
| Total domestic deposits to total assets | 81.2061% | 5,119 |
| Equity capital to assets | 17.6439% | 340 |
| Core capital (leverage) ratio | 18.2531% | 286 |
| Tier 1 risk-based capital ratio | 40.3792% | 226 |
| Total risk-based capital ratio | 41.6484% | 222 |
| Memoranda: | ||
| Average total assets | $528,984,200 | 1,255 |
| Average earning assets | $491,500,000 | 1,244 |
| Average equity | $93,975,000 | 748 |
| Average total loans | $240,102,000 | 1,725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 6,232 |
| Cost of funding earning assets | 0.5025% | 3,745 |
| Net interest margin | 2.6731% | 6,218 |
| Noninterest income to average assets | 0.1836% | 6,093 |
| Noninterest expense to average assets | 1.6540% | 6,517 |
| Loan and lease loss provision to assets | -0.0023% | 6,449 |
| Net operating income to assets | 0.7274% | 3,714 |
| Return on assets (ROA) | 0.7448% | 3,749 |
| Pretax return on assets | 1.0439% | 3,321 |
| Return on Equity (ROE) | 4.1851% | 5,136 |
| Retained earnings to average equity (ytd only) | 4.1851% | 3,705 |
| Net charge-offs to loans | 0.2256% | 2,458 |
| Credit loss provision to net charge-offs | -2.2005% | 5,579 |
| Earnings coverage of net charge-offs (x) | 9.8606% | 2,426 |
| Efficiency ratio | 61.9205% | 5,151 |
| Assets per employee ($millions) | 8.2727% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,842 |
| Loan loss allowance to noncurrent loans | 19.8395% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 4.7177% | 615 |
| Noncurrent loans to loans | 9.8469% | 141 |
| Net loans and leases to total assets | 44.7491% | 5,650 |
| Net loans and leases to deposits | 55.2002% | 5,441 |
| Net loans and leases to core deposits | 57.4576% | 5,493 |
| Total domestic deposits to total assets | 81.0669% | 5,198 |
| Equity capital to assets | 17.7880% | 343 |
| Core capital (leverage) ratio | 18.0621% | 296 |
| Tier 1 risk-based capital ratio | 39.9056% | 242 |
| Total risk-based capital ratio | 41.1651% | 239 |
| Memoranda: | ||
| Average total assets | $528,655,000 | 1,271 |
| Average earning assets | $491,943,750 | 1,248 |
| Average equity | $94,077,250 | 753 |
| Average total loans | $241,710,250 | 1,712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1306% | 6,307 |
| Cost of funding earning assets | 0.5053% | 3,847 |
| Net interest margin | 2.6252% | 6,302 |
| Noninterest income to average assets | 0.1630% | 6,241 |
| Noninterest expense to average assets | 1.6142% | 6,579 |
| Loan and lease loss provision to assets | -0.0023% | 6,562 |
| Net operating income to assets | 0.7030% | 3,793 |
| Return on assets (ROA) | 0.7286% | 3,841 |
| Pretax return on assets | 1.0347% | 3,352 |
| Return on Equity (ROE) | 4.0938% | 5,180 |
| Retained earnings to average equity (ytd only) | 4.0938% | 3,686 |
| Net charge-offs to loans | 0.3276% | 1,879 |
| Credit loss provision to net charge-offs | -1.5075% | 5,420 |
| Earnings coverage of net charge-offs (x) | 6.6457% | 2,681 |
| Efficiency ratio | 61.8436% | 5,192 |
| Assets per employee ($millions) | 8.6079% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9729% | 1,910 |
| Loan loss allowance to noncurrent loans | 19.0191% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 4.8526% | 639 |
| Noncurrent loans to loans | 10.3735% | 145 |
| Net loans and leases to total assets | 44.1044% | 5,732 |
| Net loans and leases to deposits | 54.2553% | 5,501 |
| Net loans and leases to core deposits | 56.4129% | 5,568 |
| Total domestic deposits to total assets | 81.2904% | 5,268 |
| Equity capital to assets | 17.5458% | 362 |
| Core capital (leverage) ratio | 17.8417% | 297 |
| Tier 1 risk-based capital ratio | 39.4808% | 247 |
| Total risk-based capital ratio | 40.7421% | 237 |
| Memoranda: | ||
| Average total assets | $531,146,000 | 1,261 |
| Average earning assets | $495,116,000 | 1,237 |
| Average equity | $94,533,670 | 745 |
| Average total loans | $242,990,000 | 1,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0876% | 6,411 |
| Cost of funding earning assets | 0.5050% | 4,039 |
| Net interest margin | 2.5826% | 6,399 |
| Noninterest income to average assets | 0.2419% | 5,724 |
| Noninterest expense to average assets | 1.5486% | 6,702 |
| Loan and lease loss provision to assets | -0.0022% | 6,717 |
| Net operating income to assets | 0.7626% | 3,369 |
| Return on assets (ROA) | 0.7683% | 3,482 |
| Pretax return on assets | 1.1202% | 2,881 |
| Return on Equity (ROE) | 4.2868% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.2868% | 3,654 |
| Net charge-offs to loans | 0.3507% | 1,596 |
| Credit loss provision to net charge-offs | -1.3889% | 4,943 |
| Earnings coverage of net charge-offs (x) | 6.8611% | 2,153 |
| Efficiency ratio | 58.2535% | 5,817 |
| Assets per employee ($millions) | 8.8176% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,073 |
| Loan loss allowance to noncurrent loans | 17.3164% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 5.2325% | 676 |
| Noncurrent loans to loans | 11.4847% | 151 |
| Net loans and leases to total assets | 44.4021% | 5,617 |
| Net loans and leases to deposits | 54.8928% | 5,361 |
| Net loans and leases to core deposits | 57.5703% | 5,375 |
| Total domestic deposits to total assets | 80.8888% | 5,528 |
| Equity capital to assets | 17.8252% | 350 |
| Core capital (leverage) ratio | 17.7672% | 299 |
| Tier 1 risk-based capital ratio | 39.1371% | 250 |
| Total risk-based capital ratio | 40.4087% | 244 |
| Memoranda: | ||
| Average total assets | $534,177,000 | 1,270 |
| Average earning assets | $499,801,500 | 1,239 |
| Average equity | $95,735,500 | 750 |
| Average total loans | $246,362,000 | 1,690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 6,446 |
| Cost of funding earning assets | 0.5869% | 4,471 |
| Net interest margin | 2.8466% | 6,319 |
| Noninterest income to average assets | 0.1688% | 6,184 |
| Noninterest expense to average assets | 1.5480% | 6,837 |
| Loan and lease loss provision to assets | 0.4070% | 1,590 |
| Net operating income to assets | 0.5979% | 4,250 |
| Return on assets (ROA) | 0.7231% | 3,881 |
| Pretax return on assets | 1.0493% | 3,361 |
| Return on Equity (ROE) | 4.0587% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.0587% | 3,362 |
| Net charge-offs to loans | 0.8620% | 1,328 |
| Credit loss provision to net charge-offs | 94.7298% | 3,288 |
| Earnings coverage of net charge-offs (x) | 2.9674% | 3,940 |
| Efficiency ratio | 54.8396% | 6,196 |
| Assets per employee ($millions) | 8.8414% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 1,932 |
| Loan loss allowance to noncurrent loans | 17.9674% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 5.3414% | 709 |
| Noncurrent loans to loans | 11.3190% | 174 |
| Net loans and leases to total assets | 45.9934% | 5,615 |
| Net loans and leases to deposits | 56.9159% | 5,345 |
| Net loans and leases to core deposits | 59.5940% | 5,405 |
| Total domestic deposits to total assets | 80.8093% | 5,455 |
| Equity capital to assets | 18.0202% | 330 |
| Core capital (leverage) ratio | 17.9408% | 286 |
| Tier 1 risk-based capital ratio | 38.5707% | 258 |
| Total risk-based capital ratio | 39.8469% | 253 |
| Memoranda: | ||
| Average total assets | $521,192,600 | 1,277 |
| Average earning assets | $485,915,800 | 1,256 |
| Average equity | $92,861,600 | 755 |
| Average total loans | $259,746,200 | 1,594 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 6,502 |
| Cost of funding earning assets | 0.6037% | 4,609 |
| Net interest margin | 2.9089% | 6,343 |
| Noninterest income to average assets | 0.1390% | 6,446 |
| Noninterest expense to average assets | 1.5711% | 6,898 |
| Loan and lease loss provision to assets | 0.4520% | 1,383 |
| Net operating income to assets | 0.5635% | 4,553 |
| Return on assets (ROA) | 0.7282% | 4,029 |
| Pretax return on assets | 1.0674% | 3,471 |
| Return on Equity (ROE) | 4.0992% | 5,252 |
| Retained earnings to average equity (ytd only) | 4.0992% | 4,015 |
| Net charge-offs to loans | 0.9968% | 1,065 |
| Credit loss provision to net charge-offs | 89.6534% | 3,307 |
| Earnings coverage of net charge-offs (x) | 2.5331% | 4,029 |
| Efficiency ratio | 55.1606% | 6,141 |
| Assets per employee ($millions) | 8.1069% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 2,260 |
| Loan loss allowance to noncurrent loans | 18.2124% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 5.3640% | 805 |
| Noncurrent loans to loans | 10.8185% | 211 |
| Net loans and leases to total assets | 47.7546% | 5,580 |
| Net loans and leases to deposits | 59.1554% | 5,299 |
| Net loans and leases to core deposits | 61.9997% | 5,361 |
| Total domestic deposits to total assets | 80.7273% | 5,441 |
| Equity capital to assets | 18.2217% | 344 |
| Core capital (leverage) ratio | 17.8392% | 307 |
| Tier 1 risk-based capital ratio | 38.6197% | 273 |
| Total risk-based capital ratio | 39.9030% | 265 |
| Memoranda: | ||
| Average total assets | $518,870,500 | 1,306 |
| Average earning assets | $483,248,000 | 1,275 |
| Average equity | $92,178,500 | 766 |
| Average total loans | $262,420,000 | 1,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 6,501 |
| Cost of funding earning assets | 0.6296% | 4,632 |
| Net interest margin | 2.9611% | 6,316 |
| Noninterest income to average assets | 0.0551% | 6,839 |
| Noninterest expense to average assets | 1.6223% | 6,904 |
| Loan and lease loss provision to assets | 0.6422% | 894 |
| Net operating income to assets | 0.3779% | 5,313 |
| Return on assets (ROA) | 0.6279% | 4,485 |
| Pretax return on assets | 0.9104% | 4,033 |
| Return on Equity (ROE) | 3.5649% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.5649% | 4,221 |
| Net charge-offs to loans | 1.3371% | 787 |
| Credit loss provision to net charge-offs | 93.8063% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.7387% | 4,115 |
| Efficiency ratio | 57.6812% | 5,907 |
| Assets per employee ($millions) | 8.4647% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 2,290 |
| Loan loss allowance to noncurrent loans | 18.2969% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 5.5188% | 808 |
| Noncurrent loans to loans | 10.8057% | 223 |
| Net loans and leases to total assets | 48.7103% | 5,533 |
| Net loans and leases to deposits | 60.0894% | 5,226 |
| Net loans and leases to core deposits | 62.8896% | 5,312 |
| Total domestic deposits to total assets | 81.0630% | 5,446 |
| Equity capital to assets | 17.9099% | 351 |
| Core capital (leverage) ratio | 17.6200% | 313 |
| Tier 1 risk-based capital ratio | 37.9069% | 279 |
| Total risk-based capital ratio | 39.1879% | 271 |
| Memoranda: | ||
| Average total assets | $518,879,330 | 1,306 |
| Average earning assets | $483,192,330 | 1,279 |
| Average equity | $91,390,670 | 763 |
| Average total loans | $265,642,670 | 1,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 6,518 |
| Cost of funding earning assets | 0.6635% | 4,603 |
| Net interest margin | 2.9810% | 6,337 |
| Noninterest income to average assets | -0.1130% | 7,175 |
| Noninterest expense to average assets | 1.5419% | 7,021 |
| Loan and lease loss provision to assets | 0.8290% | 579 |
| Net operating income to assets | 0.2042% | 5,973 |
| Return on assets (ROA) | 0.6875% | 4,159 |
| Pretax return on assets | 1.0189% | 3,610 |
| Return on Equity (ROE) | 3.9363% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.9363% | 4,223 |
| Net charge-offs to loans | 1.7367% | 554 |
| Credit loss provision to net charge-offs | 91.9011% | 2,513 |
| Earnings coverage of net charge-offs (x) | 1.2489% | 3,710 |
| Efficiency ratio | 57.7810% | 5,947 |
| Assets per employee ($millions) | 8.6150% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,621 |
| Loan loss allowance to noncurrent loans | 26.9863% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 3.7648% | 1,489 |
| Noncurrent loans to loans | 7.1117% | 614 |
| Net loans and leases to total assets | 50.3046% | 5,260 |
| Net loans and leases to deposits | 62.0713% | 4,911 |
| Net loans and leases to core deposits | 64.4862% | 5,059 |
| Total domestic deposits to total assets | 81.0432% | 5,592 |
| Equity capital to assets | 17.5892% | 374 |
| Core capital (leverage) ratio | 17.5906% | 320 |
| Tier 1 risk-based capital ratio | 37.7290% | 275 |
| Total risk-based capital ratio | 39.0081% | 265 |
| Memoranda: | ||
| Average total assets | $520,146,500 | 1,308 |
| Average earning assets | $485,338,000 | 1,278 |
| Average equity | $90,847,500 | 768 |
| Average total loans | $270,171,000 | 1,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 6,599 |
| Cost of funding earning assets | 0.8342% | 4,594 |
| Net interest margin | 3.0767% | 6,393 |
| Noninterest income to average assets | -0.1157% | 7,110 |
| Noninterest expense to average assets | 1.5333% | 7,151 |
| Loan and lease loss provision to assets | 0.8231% | 1,184 |
| Net operating income to assets | 0.3276% | 5,159 |
| Return on assets (ROA) | 0.3310% | 5,297 |
| Pretax return on assets | 0.3889% | 5,325 |
| Return on Equity (ROE) | 1.9456% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.9456% | 4,823 |
| Net charge-offs to loans | 0.8320% | 2,088 |
| Credit loss provision to net charge-offs | 171.9051% | 1,549 |
| Earnings coverage of net charge-offs (x) | 2.5229% | 3,953 |
| Efficiency ratio | 55.9323% | 6,319 |
| Assets per employee ($millions) | 8.7233% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 2,620 |
| Loan loss allowance to noncurrent loans | 28.1257% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 3.8967% | 1,477 |
| Noncurrent loans to loans | 6.6955% | 686 |
| Net loans and leases to total assets | 51.5954% | 5,374 |
| Net loans and leases to deposits | 64.6317% | 4,918 |
| Net loans and leases to core deposits | 67.0026% | 5,156 |
| Total domestic deposits to total assets | 79.8298% | 5,786 |
| Equity capital to assets | 17.3438% | 407 |
| Core capital (leverage) ratio | 17.1250% | 355 |
| Tier 1 risk-based capital ratio | 39.4870% | 239 |
| Total risk-based capital ratio | 40.7695% | 233 |
| Memoranda: | ||
| Average total assets | $519,611,000 | 1,289 |
| Average earning assets | $482,497,600 | 1,267 |
| Average equity | $88,403,000 | 761 |
| Average total loans | $299,050,800 | 1,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 6,555 |
| Cost of funding earning assets | 0.8637% | 4,673 |
| Net interest margin | 3.1540% | 6,274 |
| Noninterest income to average assets | -0.2195% | 7,278 |
| Noninterest expense to average assets | 1.5496% | 7,194 |
| Loan and lease loss provision to assets | 0.8838% | 1,028 |
| Net operating income to assets | 0.2792% | 5,473 |
| Return on assets (ROA) | 0.2506% | 5,711 |
| Pretax return on assets | 0.2445% | 5,817 |
| Return on Equity (ROE) | 1.4804% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.4804% | 5,400 |
| Net charge-offs to loans | 0.9906% | 1,627 |
| Credit loss provision to net charge-offs | 151.7211% | 2,052 |
| Earnings coverage of net charge-offs (x) | 1.9859% | 4,162 |
| Efficiency ratio | 57.2568% | 6,108 |
| Assets per employee ($millions) | 8.2590% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 3,757 |
| Loan loss allowance to noncurrent loans | 24.9686% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 4.0377% | 1,519 |
| Noncurrent loans to loans | 6.3259% | 850 |
| Net loans and leases to total assets | 54.6812% | 5,060 |
| Net loans and leases to deposits | 68.4736% | 4,529 |
| Net loans and leases to core deposits | 71.0903% | 4,831 |
| Total domestic deposits to total assets | 79.8573% | 5,774 |
| Equity capital to assets | 17.2873% | 459 |
| Core capital (leverage) ratio | 17.2117% | 380 |
| Tier 1 risk-based capital ratio | 38.3969% | 278 |
| Total risk-based capital ratio | 39.6776% | 273 |
| Memoranda: | ||
| Average total assets | $518,664,750 | 1,296 |
| Average earning assets | $481,149,250 | 1,272 |
| Average equity | $87,809,500 | 771 |
| Average total loans | $305,005,750 | 1,408 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 6,570 |
| Cost of funding earning assets | 0.8902% | 4,756 |
| Net interest margin | 3.1614% | 6,258 |
| Noninterest income to average assets | -0.3046% | 7,383 |
| Noninterest expense to average assets | 1.5738% | 7,264 |
| Loan and lease loss provision to assets | 1.0623% | 788 |
| Net operating income to assets | 0.0560% | 6,103 |
| Return on assets (ROA) | 0.0286% | 6,250 |
| Pretax return on assets | -0.0567% | 6,323 |
| Return on Equity (ROE) | 0.1699% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.1699% | 5,773 |
| Net charge-offs to loans | 1.0564% | 1,489 |
| Credit loss provision to net charge-offs | 167.9073% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.6571% | 4,049 |
| Efficiency ratio | 60.0177% | 5,873 |
| Assets per employee ($millions) | 8.8827% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 4,140 |
| Loan loss allowance to noncurrent loans | 24.3503% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 4.2591% | 1,492 |
| Noncurrent loans to loans | 6.1563% | 948 |
| Net loans and leases to total assets | 57.4813% | 4,728 |
| Net loans and leases to deposits | 70.0425% | 4,430 |
| Net loans and leases to core deposits | 72.6099% | 4,746 |
| Total domestic deposits to total assets | 82.0663% | 5,140 |
| Equity capital to assets | 17.0392% | 479 |
| Core capital (leverage) ratio | 16.4856% | 454 |
| Tier 1 risk-based capital ratio | 36.4602% | 312 |
| Total risk-based capital ratio | 37.7363% | 304 |
| Memoranda: | ||
| Average total assets | $518,113,670 | 1,300 |
| Average earning assets | $479,656,670 | 1,282 |
| Average equity | $87,096,330 | 773 |
| Average total loans | $310,313,670 | 1,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 6,673 |
| Cost of funding earning assets | 0.9114% | 4,842 |
| Net interest margin | 3.1013% | 6,348 |
| Noninterest income to average assets | -0.3141% | 7,458 |
| Noninterest expense to average assets | 1.5397% | 7,346 |
| Loan and lease loss provision to assets | 0.8538% | 966 |
| Net operating income to assets | 0.1955% | 5,794 |
| Return on assets (ROA) | 0.1101% | 6,121 |
| Pretax return on assets | 0.0754% | 6,224 |
| Return on Equity (ROE) | 0.6594% | 6,228 |
| Retained earnings to average equity (ytd only) | 0.6594% | 5,562 |
| Net charge-offs to loans | 0.7311% | 1,756 |
| Credit loss provision to net charge-offs | 192.5347% | 1,536 |
| Earnings coverage of net charge-offs (x) | 2.2882% | 3,168 |
| Efficiency ratio | 60.2773% | 5,947 |
| Assets per employee ($millions) | 9.0070% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 5,311 |
| Loan loss allowance to noncurrent loans | 21.0450% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 4.6803% | 1,367 |
| Noncurrent loans to loans | 6.0216% | 1,049 |
| Net loans and leases to total assets | 58.5672% | 4,535 |
| Net loans and leases to deposits | 71.2058% | 4,168 |
| Net loans and leases to core deposits | 73.9821% | 4,535 |
| Total domestic deposits to total assets | 82.2506% | 5,208 |
| Equity capital to assets | 16.5912% | 493 |
| Core capital (leverage) ratio | 16.4319% | 443 |
| Tier 1 risk-based capital ratio | 35.3144% | 340 |
| Total risk-based capital ratio | 36.5844% | 332 |
| Memoranda: | ||
| Average total assets | $519,571,000 | 1,301 |
| Average earning assets | $480,576,000 | 1,283 |
| Average equity | $86,751,500 | 769 |
| Average total loans | $315,145,500 | 1,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 6,667 |
| Cost of funding earning assets | 1.3310% | 3,684 |
| Net interest margin | 3.0421% | 6,656 |
| Noninterest income to average assets | -0.2054% | 7,471 |
| Noninterest expense to average assets | 1.7456% | 7,310 |
| Loan and lease loss provision to assets | 1.2042% | 1,299 |
| Net operating income to assets | -0.1658% | 6,071 |
| Return on assets (ROA) | -0.1674% | 6,125 |
| Pretax return on assets | -0.3606% | 6,210 |
| Return on Equity (ROE) | -0.9839% | 6,066 |
| Retained earnings to average equity (ytd only) | -0.9839% | 5,803 |
| Net charge-offs to loans | 2.3208% | 831 |
| Credit loss provision to net charge-offs | 76.2197% | 5,690 |
| Earnings coverage of net charge-offs (x) | 0.5356% | 5,578 |
| Efficiency ratio | 67.3509% | 4,695 |
| Assets per employee ($millions) | 9.3952% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 6,111 |
| Loan loss allowance to noncurrent loans | 17.0296% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 5.1682% | 1,225 |
| Noncurrent loans to loans | 6.2202% | 988 |
| Net loans and leases to total assets | 61.3488% | 4,433 |
| Net loans and leases to deposits | 74.6025% | 4,096 |
| Net loans and leases to core deposits | 77.4225% | 4,531 |
| Total domestic deposits to total assets | 82.2343% | 5,112 |
| Equity capital to assets | 16.8035% | 475 |
| Core capital (leverage) ratio | 16.6915% | 422 |
| Tier 1 risk-based capital ratio | 35.4609% | 336 |
| Total risk-based capital ratio | 36.7145% | 327 |
| Memoranda: | ||
| Average total assets | $515,017,200 | 1,301 |
| Average earning assets | $473,556,000 | 1,292 |
| Average equity | $87,606,400 | 764 |
| Average total loans | $350,614,000 | 1,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 6,721 |
| Cost of funding earning assets | 1.4064% | 3,547 |
| Net interest margin | 3.0446% | 6,743 |
| Noninterest income to average assets | -0.1526% | 7,566 |
| Noninterest expense to average assets | 1.7917% | 7,336 |
| Loan and lease loss provision to assets | 1.3152% | 1,055 |
| Net operating income to assets | -0.2344% | 6,363 |
| Return on assets (ROA) | -0.2366% | 6,417 |
| Pretax return on assets | -0.4666% | 6,524 |
| Return on Equity (ROE) | -1.3864% | 6,324 |
| Retained earnings to average equity (ytd only) | -1.3864% | 6,079 |
| Net charge-offs to loans | 2.8120% | 579 |
| Credit loss provision to net charge-offs | 67.1962% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.4353% | 5,590 |
| Efficiency ratio | 67.7742% | 4,511 |
| Assets per employee ($millions) | 8.5371% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 6,901 |
| Loan loss allowance to noncurrent loans | 13.4418% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 5.8833% | 1,022 |
| Noncurrent loans to loans | 6.2925% | 962 |
| Net loans and leases to total assets | 64.1782% | 4,089 |
| Net loans and leases to deposits | 81.0197% | 3,261 |
| Net loans and leases to core deposits | 84.5598% | 3,869 |
| Total domestic deposits to total assets | 79.2131% | 5,967 |
| Equity capital to assets | 16.8373% | 536 |
| Core capital (leverage) ratio | 16.6684% | 470 |
| Tier 1 risk-based capital ratio | 34.4993% | 361 |
| Total risk-based capital ratio | 35.6354% | 358 |
| Memoranda: | ||
| Average total assets | $514,587,250 | 1,309 |
| Average earning assets | $472,599,000 | 1,311 |
| Average equity | $87,800,500 | 758 |
| Average total loans | $358,166,000 | 1,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 6,708 |
| Cost of funding earning assets | 1.4842% | 3,343 |
| Net interest margin | 3.0182% | 6,792 |
| Noninterest income to average assets | -0.2696% | 7,704 |
| Noninterest expense to average assets | 1.8372% | 7,348 |
| Loan and lease loss provision to assets | 1.7638% | 698 |
| Net operating income to assets | -0.6239% | 6,759 |
| Return on assets (ROA) | -0.6517% | 6,801 |
| Pretax return on assets | -1.1414% | 6,949 |
| Return on Equity (ROE) | -3.8024% | 6,603 |
| Retained earnings to average equity (ytd only) | -3.8024% | 6,416 |
| Net charge-offs to loans | 3.8439% | 350 |
| Credit loss provision to net charge-offs | 64.3966% | 5,114 |
| Earnings coverage of net charge-offs (x) | 0.2431% | 5,488 |
| Efficiency ratio | 73.4019% | 3,575 |
| Assets per employee ($millions) | 8.8805% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 7,022 |
| Loan loss allowance to noncurrent loans | 12.3398% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 6.3192% | 910 |
| Noncurrent loans to loans | 6.5241% | 913 |
| Net loans and leases to total assets | 66.5523% | 3,726 |
| Net loans and leases to deposits | 83.5369% | 2,967 |
| Net loans and leases to core deposits | 86.9595% | 3,703 |
| Total domestic deposits to total assets | 79.6682% | 5,832 |
| Equity capital to assets | 16.6454% | 577 |
| Core capital (leverage) ratio | 16.5632% | 487 |
| Tier 1 risk-based capital ratio | 32.4253% | 409 |
| Total risk-based capital ratio | 33.5028% | 410 |
| Memoranda: | ||
| Average total assets | $512,529,330 | 1,322 |
| Average earning assets | $470,814,330 | 1,321 |
| Average equity | $87,840,000 | 744 |
| Average total loans | $365,199,330 | 1,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 6,584 |
| Cost of funding earning assets | 1.5387% | 3,336 |
| Net interest margin | 3.0524% | 6,708 |
| Noninterest income to average assets | 0.1507% | 6,887 |
| Noninterest expense to average assets | 1.6637% | 7,605 |
| Loan and lease loss provision to assets | 0.6716% | 1,888 |
| Net operating income to assets | 0.4247% | 4,739 |
| Return on assets (ROA) | 0.3915% | 5,018 |
| Pretax return on assets | 0.5722% | 4,706 |
| Return on Equity (ROE) | 2.2506% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.2506% | 4,782 |
| Net charge-offs to loans | 0.5870% | 2,339 |
| Credit loss provision to net charge-offs | 155.8608% | 2,296 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,051 |
| Efficiency ratio | 56.2734% | 6,731 |
| Assets per employee ($millions) | 8.8454% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,704 |
| Loan loss allowance to noncurrent loans | 18.0450% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 8.0834% | 609 |
| Noncurrent loans to loans | 8.5297% | 603 |
| Net loans and leases to total assets | 70.2495% | 2,867 |
| Net loans and leases to deposits | 88.8489% | 2,074 |
| Net loans and leases to core deposits | 92.8522% | 2,997 |
| Total domestic deposits to total assets | 79.0662% | 6,062 |
| Equity capital to assets | 17.2356% | 504 |
| Core capital (leverage) ratio | 17.5596% | 396 |
| Tier 1 risk-based capital ratio | 32.2963% | 426 |
| Total risk-based capital ratio | 33.5652% | 423 |
| Memoranda: | ||
| Average total assets | $506,820,500 | 1,370 |
| Average earning assets | $465,857,500 | 1,363 |
| Average equity | $88,153,500 | 744 |
| Average total loans | $372,034,500 | 1,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 7,292 |
| Cost of funding earning assets | 2.3072% | 1,625 |
| Net interest margin | 2.2877% | 7,605 |
| Noninterest income to average assets | 0.1271% | 7,114 |
| Noninterest expense to average assets | 1.5288% | 7,804 |
| Loan and lease loss provision to assets | 1.8055% | 1,250 |
| Net operating income to assets | -0.6023% | 6,271 |
| Return on assets (ROA) | -0.6284% | 6,293 |
| Pretax return on assets | -1.1169% | 6,488 |
| Return on Equity (ROE) | -3.6700% | 6,074 |
| Retained earnings to average equity (ytd only) | -3.6700% | 5,815 |
| Net charge-offs to loans | 2.0736% | 1,180 |
| Credit loss provision to net charge-offs | 111.9440% | 4,899 |
| Earnings coverage of net charge-offs (x) | 0.4523% | 5,658 |
| Efficiency ratio | 67.6970% | 5,061 |
| Assets per employee ($millions) | 8.9394% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,180 |
| Loan loss allowance to noncurrent loans | 15.8549% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 8.4793% | 499 |
| Noncurrent loans to loans | 8.8911% | 521 |
| Net loans and leases to total assets | 74.4501% | 2,152 |
| Net loans and leases to deposits | 94.8844% | 1,478 |
| Net loans and leases to core deposits | 123.5865% | 1,671 |
| Total domestic deposits to total assets | 78.4641% | 6,130 |
| Equity capital to assets | 17.5552% | 494 |
| Core capital (leverage) ratio | 17.1944% | 471 |
| Tier 1 risk-based capital ratio | 31.2537% | 466 |
| Total risk-based capital ratio | 32.5198% | 467 |
| Memoranda: | ||
| Average total assets | $518,581,000 | 1,331 |
| Average earning assets | $483,097,200 | 1,306 |
| Average equity | $88,802,200 | 725 |
| Average total loans | $403,358,400 | 1,193 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 7,444 |
| Cost of funding earning assets | 2.4367% | 1,502 |
| Net interest margin | 2.1386% | 7,740 |
| Noninterest income to average assets | 0.1392% | 7,183 |
| Noninterest expense to average assets | 1.5335% | 7,873 |
| Loan and lease loss provision to assets | 2.1330% | 819 |
| Net operating income to assets | -0.8813% | 6,747 |
| Return on assets (ROA) | -0.9446% | 6,799 |
| Pretax return on assets | -1.6278% | 7,023 |
| Return on Equity (ROE) | -5.5499% | 6,507 |
| Retained earnings to average equity (ytd only) | -5.5499% | 6,326 |
| Net charge-offs to loans | 2.2534% | 844 |
| Credit loss provision to net charge-offs | 120.8550% | 4,200 |
| Earnings coverage of net charge-offs (x) | 0.3423% | 5,682 |
| Efficiency ratio | 71.7386% | 4,294 |
| Assets per employee ($millions) | 8.9776% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 3,558 |
| Loan loss allowance to noncurrent loans | 14.7809% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 8.7177% | 455 |
| Noncurrent loans to loans | 10.0055% | 394 |
| Net loans and leases to total assets | 73.8714% | 2,562 |
| Net loans and leases to deposits | 99.1964% | 1,189 |
| Net loans and leases to core deposits | 131.2938% | 1,358 |
| Total domestic deposits to total assets | 74.4699% | 6,870 |
| Equity capital to assets | 16.8348% | 657 |
| Core capital (leverage) ratio | 16.8256% | 577 |
| Tier 1 risk-based capital ratio | 30.4832% | 540 |
| Total risk-based capital ratio | 31.7505% | 527 |
| Memoranda: | ||
| Average total assets | $523,075,000 | 1,331 |
| Average earning assets | $488,788,250 | 1,304 |
| Average equity | $89,032,250 | 735 |
| Average total loans | $409,690,500 | 1,195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 7,510 |
| Cost of funding earning assets | 2.5557% | 1,424 |
| Net interest margin | 2.0592% | 7,825 |
| Noninterest income to average assets | 0.1092% | 7,437 |
| Noninterest expense to average assets | 1.5305% | 7,955 |
| Loan and lease loss provision to assets | 3.0401% | 496 |
| Net operating income to assets | -1.4978% | 7,246 |
| Return on assets (ROA) | -1.5592% | 7,280 |
| Pretax return on assets | -2.6301% | 7,455 |
| Return on Equity (ROE) | -9.1273% | 6,972 |
| Retained earnings to average equity (ytd only) | -9.1273% | 6,781 |
| Net charge-offs to loans | 3.1549% | 516 |
| Credit loss provision to net charge-offs | 121.3132% | 3,825 |
| Earnings coverage of net charge-offs (x) | 0.2019% | 5,471 |
| Efficiency ratio | 75.1594% | 3,850 |
| Assets per employee ($millions) | 8.8660% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 3,554 |
| Loan loss allowance to noncurrent loans | 15.5165% | 7,353 |
| Noncurrent assets plus other real estate owned to assets | 8.3338% | 441 |
| Noncurrent loans to loans | 9.2356% | 417 |
| Net loans and leases to total assets | 76.6297% | 2,029 |
| Net loans and leases to deposits | 102.9534% | 994 |
| Net loans and leases to core deposits | 135.0765% | 1,261 |
| Total domestic deposits to total assets | 74.4314% | 6,881 |
| Equity capital to assets | 16.9325% | 671 |
| Core capital (leverage) ratio | 16.4680% | 682 |
| Tier 1 risk-based capital ratio | 30.1787% | 596 |
| Total risk-based capital ratio | 31.4379% | 577 |
| Memoranda: | ||
| Average total assets | $523,866,000 | 1,346 |
| Average earning assets | $490,282,670 | 1,321 |
| Average equity | $89,490,000 | 735 |
| Average total loans | $416,112,670 | 1,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 7,603 |
| Cost of funding earning assets | 2.5871% | 1,602 |
| Net interest margin | 2.0321% | 7,881 |
| Noninterest income to average assets | 0.1127% | 7,468 |
| Noninterest expense to average assets | 1.4345% | 8,027 |
| Loan and lease loss provision to assets | 2.1601% | 546 |
| Net operating income to assets | -0.9036% | 7,196 |
| Return on assets (ROA) | -1.0358% | 7,287 |
| Pretax return on assets | -1.7795% | 7,465 |
| Return on Equity (ROE) | -6.0376% | 7,067 |
| Retained earnings to average equity (ytd only) | -6.0376% | 6,690 |
| Net charge-offs to loans | 1.4971% | 965 |
| Credit loss provision to net charge-offs | 179.7859% | 2,417 |
| Earnings coverage of net charge-offs (x) | 0.4887% | 4,596 |
| Efficiency ratio | 70.9581% | 4,381 |
| Assets per employee ($millions) | 9.6418% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 3,821 |
| Loan loss allowance to noncurrent loans | 13.5840% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 9.2246% | 266 |
| Noncurrent loans to loans | 9.9071% | 297 |
| Net loans and leases to total assets | 77.3705% | 1,958 |
| Net loans and leases to deposits | 109.7221% | 631 |
| Net loans and leases to core deposits | 142.4060% | 989 |
| Total domestic deposits to total assets | 70.5150% | 7,382 |
| Equity capital to assets | 16.9638% | 726 |
| Core capital (leverage) ratio | 17.1985% | 632 |
| Tier 1 risk-based capital ratio | 29.6306% | 640 |
| Total risk-based capital ratio | 30.8881% | 623 |
| Memoranda: | ||
| Average total assets | $528,684,500 | 1,336 |
| Average earning assets | $496,618,000 | 1,303 |
| Average equity | $90,699,000 | 731 |
| Average total loans | $424,278,500 | 1,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 7,922 |
| Cost of funding earning assets | 3.0213% | 1,797 |
| Net interest margin | 1.8344% | 8,123 |
| Noninterest income to average assets | 0.1825% | 7,143 |
| Noninterest expense to average assets | 1.3258% | 8,109 |
| Loan and lease loss provision to assets | 0.6058% | 2,403 |
| Net operating income to assets | 0.0473% | 6,242 |
| Return on assets (ROA) | -0.2797% | 6,569 |
| Pretax return on assets | -0.5235% | 6,672 |
| Return on Equity (ROE) | -1.5612% | 6,441 |
| Retained earnings to average equity (ytd only) | -1.5612% | 5,753 |
| Net charge-offs to loans | 0.2097% | 4,111 |
| Credit loss provision to net charge-offs | 333.0481% | 1,364 |
| Earnings coverage of net charge-offs (x) | 3.2620% | 4,461 |
| Efficiency ratio | 69.0826% | 4,512 |
| Assets per employee ($millions) | 9.9447% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,047 |
| Loan loss allowance to noncurrent loans | 9.3188% | 7,512 |
| Noncurrent assets plus other real estate owned to assets | 9.3142% | 201 |
| Noncurrent loans to loans | 10.7393% | 181 |
| Net loans and leases to total assets | 81.2672% | 1,370 |
| Net loans and leases to deposits | 117.0190% | 477 |
| Net loans and leases to core deposits | 150.4441% | 841 |
| Total domestic deposits to total assets | 69.4478% | 7,337 |
| Equity capital to assets | 17.3486% | 737 |
| Core capital (leverage) ratio | 17.9182% | 611 |
| Tier 1 risk-based capital ratio | 29.4724% | 670 |
| Total risk-based capital ratio | 30.7245% | 655 |
| Memoranda: | ||
| Average total assets | $514,045,800 | 1,311 |
| Average earning assets | $486,639,600 | 1,265 |
| Average equity | $92,110,000 | 724 |
| Average total loans | $445,974,200 | 1,076 |