Home > Lusitania Savings Bank > Performance and Condition Ratios
Lusitania 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 | 2.9136% | 4,538 |
| Cost of funding earning assets | 0.7909% | 3,761 |
| Net interest margin | 2.1227% | 4,361 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.5789% | 4,267 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3825% | 3,907 |
| Return on assets (ROA) | 0.3825% | 3,899 |
| Pretax return on assets | 0.5375% | 3,750 |
| Return on Equity (ROE) | 2.6700% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.6705% | 3,393 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1472% | 1,444 |
| Assets per employee ($millions) | 10.3560% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,257 |
| Loan loss allowance to noncurrent loans | 433.9893% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,546 |
| Noncurrent loans to loans | 0.2782% | 2,182 |
| Net loans and leases to total assets | 51.8100% | 3,488 |
| Net loans and leases to deposits | 62.3095% | 3,388 |
| Net loans and leases to core deposits | 66.2546% | 3,486 |
| Total domestic deposits to total assets | 83.1500% | 2,854 |
| Equity capital to assets | 14.5418% | 597 |
| Core capital (leverage) ratio | 15.3658% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0624% | 179 |
| Memoranda: | ||
| Average total assets | $382,727,000 | 2,070 |
| Average earning assets | $358,325,200 | 2,052 |
| Average equity | $54,822,200 | 1,493 |
| Average total loans | $184,721,000 | 2,398 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8219% | 4,557 |
| Cost of funding earning assets | 0.6924% | 3,781 |
| Net interest margin | 2.1294% | 4,394 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.4615% | 4,340 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4760% | 3,813 |
| Return on assets (ROA) | 0.4760% | 3,817 |
| Pretax return on assets | 0.6705% | 3,604 |
| Return on Equity (ROE) | 3.3400% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.3358% | 3,436 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.2728% | 1,986 |
| Assets per employee ($millions) | 10.8524% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 1,968 |
| Loan loss allowance to noncurrent loans | 407.3379% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,548 |
| Noncurrent loans to loans | 0.3139% | 2,107 |
| Net loans and leases to total assets | 48.5200% | 3,710 |
| Net loans and leases to deposits | 57.3150% | 3,643 |
| Net loans and leases to core deposits | 60.7498% | 3,668 |
| Total domestic deposits to total assets | 84.6600% | 2,611 |
| Equity capital to assets | 14.4061% | 598 |
| Core capital (leverage) ratio | 15.3843% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9530% | 165 |
| Memoranda: | ||
| Average total assets | $382,616,000 | 2,065 |
| Average earning assets | $358,335,750 | 2,041 |
| Average equity | $54,597,750 | 1,490 |
| Average total loans | $180,665,250 | 2,446 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7347% | 4,593 |
| Cost of funding earning assets | 0.5801% | 3,807 |
| Net interest margin | 2.1546% | 4,444 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.3850% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5564% | 3,685 |
| Return on assets (ROA) | 0.5564% | 3,691 |
| Pretax return on assets | 0.7764% | 3,448 |
| Return on Equity (ROE) | 3.9100% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.9115% | 3,227 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.0772% | 2,478 |
| Assets per employee ($millions) | 10.0715% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,750 |
| Loan loss allowance to noncurrent loans | 1,108.2569% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,198 |
| Noncurrent loans to loans | 0.1210% | 2,872 |
| Net loans and leases to total assets | 46.4400% | 3,772 |
| Net loans and leases to deposits | 54.9390% | 3,703 |
| Net loans and leases to core deposits | 58.1097% | 3,711 |
| Total domestic deposits to total assets | 84.5300% | 2,681 |
| Equity capital to assets | 14.3950% | 592 |
| Core capital (leverage) ratio | 15.2964% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4867% | 157 |
| Memoranda: | ||
| Average total assets | $383,543,667 | 2,066 |
| Average earning assets | $359,233,333 | 2,048 |
| Average equity | $54,557,333 | 1,493 |
| Average total loans | $178,654,667 | 2,457 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6380% | 4,626 |
| Cost of funding earning assets | 0.4298% | 3,883 |
| Net interest margin | 2.2082% | 4,494 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.1001% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7855% | 3,240 |
| Return on assets (ROA) | 0.7855% | 3,186 |
| Pretax return on assets | 1.1043% | 2,694 |
| Return on Equity (ROE) | 5.5600% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.5554% | 2,872 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.9055% | 3,944 |
| Assets per employee ($millions) | 10.1113% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,784 |
| Loan loss allowance to noncurrent loans | 721.1940% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 2,941 |
| Noncurrent loans to loans | 0.1881% | 2,535 |
| Net loans and leases to total assets | 45.7100% | 3,785 |
| Net loans and leases to deposits | 54.1482% | 3,668 |
| Net loans and leases to core deposits | 57.0557% | 3,690 |
| Total domestic deposits to total assets | 84.4200% | 2,991 |
| Equity capital to assets | 14.2779% | 556 |
| Core capital (leverage) ratio | 15.2577% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5200% | 162 |
| Memoranda: | ||
| Average total assets | $383,957,500 | 2,088 |
| Average earning assets | $359,206,000 | 2,075 |
| Average equity | $54,290,000 | 1,506 |
| Average total loans | $177,911,500 | 2,478 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3563% | 4,545 |
| Cost of funding earning assets | 0.0816% | 4,469 |
| Net interest margin | 2.2746% | 4,442 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.4729% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5715% | 3,940 |
| Return on assets (ROA) | 0.5715% | 3,904 |
| Pretax return on assets | 0.8004% | 3,622 |
| Return on Equity (ROE) | 4.1800% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.1764% | 3,335 |
| Net charge-offs to loans | 0.0877% | 793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.6078% | 1,877 |
| Efficiency ratio | 64.7906% | 2,389 |
| Assets per employee ($millions) | 10.3699% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,653 |
| Loan loss allowance to noncurrent loans | 656.5217% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 2,872 |
| Noncurrent loans to loans | 0.2070% | 2,461 |
| Net loans and leases to total assets | 45.7000% | 3,819 |
| Net loans and leases to deposits | 53.8173% | 3,685 |
| Net loans and leases to core deposits | 55.7886% | 3,727 |
| Total domestic deposits to total assets | 84.9200% | 3,012 |
| Equity capital to assets | 14.0010% | 578 |
| Core capital (leverage) ratio | 14.6368% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5057% | 162 |
| Memoranda: | ||
| Average total assets | $393,907,600 | 2,044 |
| Average earning assets | $371,137,000 | 2,022 |
| Average equity | $53,898,600 | 1,525 |
| Average total loans | $174,502,200 | 2,414 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2934% | 4,538 |
| Cost of funding earning assets | 0.0449% | 4,598 |
| Net interest margin | 2.2485% | 4,438 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.3590% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6262% | 3,763 |
| Return on assets (ROA) | 0.6262% | 3,715 |
| Pretax return on assets | 0.8771% | 3,388 |
| Return on Equity (ROE) | 4.6000% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.6023% | 3,241 |
| Net charge-offs to loans | 0.1175% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.0458% | 1,805 |
| Efficiency ratio | 60.7761% | 3,016 |
| Assets per employee ($millions) | 11.6242% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,731 |
| Loan loss allowance to noncurrent loans | 602.4938% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,938 |
| Noncurrent loans to loans | 0.2268% | 2,480 |
| Net loans and leases to total assets | 44.1300% | 3,870 |
| Net loans and leases to deposits | 51.4396% | 3,767 |
| Net loans and leases to core deposits | 52.9147% | 3,813 |
| Total domestic deposits to total assets | 85.8000% | 3,111 |
| Equity capital to assets | 13.4326% | 625 |
| Core capital (leverage) ratio | 14.2806% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2919% | 161 |
| Memoranda: | ||
| Average total assets | $396,463,000 | 2,055 |
| Average earning assets | $374,172,250 | 2,031 |
| Average equity | $53,943,250 | 1,535 |
| Average total loans | $173,686,500 | 2,429 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2494% | 4,542 |
| Cost of funding earning assets | 0.0389% | 4,658 |
| Net interest margin | 2.2105% | 4,416 |
| Noninterest income to average assets | 0.1134% | 4,429 |
| Noninterest expense to average assets | 1.3374% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6183% | 3,576 |
| Return on assets (ROA) | 0.6183% | 3,526 |
| Pretax return on assets | 0.8658% | 3,158 |
| Return on Equity (ROE) | 4.5253% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.5253% | 2,872 |
| Net charge-offs to loans | 0.1773% | 360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.2288% | 1,736 |
| Efficiency ratio | 60.7045% | 3,213 |
| Assets per employee ($millions) | 12.0150% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,868 |
| Loan loss allowance to noncurrent loans | 556.6820% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 2,942 |
| Noncurrent loans to loans | 0.2468% | 2,498 |
| Net loans and leases to total assets | 43.7462% | 3,853 |
| Net loans and leases to deposits | 51.0321% | 3,758 |
| Net loans and leases to core deposits | 52.4790% | 3,790 |
| Total domestic deposits to total assets | 85.7229% | 3,319 |
| Equity capital to assets | 13.5445% | 577 |
| Core capital (leverage) ratio | 14.1322% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8827% | 140 |
| Memoranda: | ||
| Average total assets | $396,876,000 | 2,063 |
| Average earning assets | $375,212,333 | 2,046 |
| Average equity | $54,228,000 | 1,572 |
| Average total loans | $172,634,333 | 2,444 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2822% | 4,468 |
| Cost of funding earning assets | 0.0394% | 4,662 |
| Net interest margin | 2.2428% | 4,299 |
| Noninterest income to average assets | 0.1078% | 4,466 |
| Noninterest expense to average assets | 1.3882% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6004% | 3,392 |
| Return on assets (ROA) | 0.6004% | 3,373 |
| Pretax return on assets | 0.8412% | 2,971 |
| Return on Equity (ROE) | 4.3751% | 3,788 |
| Retained earnings to average equity (ytd only) | 4.3751% | 2,810 |
| Net charge-offs to loans | 0.3602% | 183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.4221% | 1,601 |
| Efficiency ratio | 62.2684% | 3,233 |
| Assets per employee ($millions) | 11.0942% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,866 |
| Loan loss allowance to noncurrent loans | 511.6525% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,988 |
| Noncurrent loans to loans | 0.2758% | 2,487 |
| Net loans and leases to total assets | 42.2413% | 3,867 |
| Net loans and leases to deposits | 49.3230% | 3,788 |
| Net loans and leases to core deposits | 50.7518% | 3,830 |
| Total domestic deposits to total assets | 85.6421% | 3,360 |
| Equity capital to assets | 13.5071% | 602 |
| Core capital (leverage) ratio | 14.0063% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4347% | 154 |
| Memoranda: | ||
| Average total assets | $397,067,000 | 2,065 |
| Average earning assets | $375,607,000 | 2,047 |
| Average equity | $54,490,500 | 1,612 |
| Average total loans | $171,018,000 | 2,448 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4576% | 4,513 |
| Cost of funding earning assets | 0.0772% | 4,553 |
| Net interest margin | 2.3804% | 4,343 |
| Noninterest income to average assets | 0.1077% | 4,574 |
| Noninterest expense to average assets | 1.5068% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6085% | 3,854 |
| Return on assets (ROA) | 0.6085% | 3,901 |
| Pretax return on assets | 0.8563% | 3,605 |
| Return on Equity (ROE) | 4.2907% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.2907% | 3,093 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7651% | 2,598 |
| Assets per employee ($millions) | 10.3880% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,542 |
| Loan loss allowance to noncurrent loans | 347.1622% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,626 |
| Noncurrent loans to loans | 0.4330% | 2,057 |
| Net loans and leases to total assets | 42.6465% | 3,938 |
| Net loans and leases to deposits | 49.9966% | 3,880 |
| Net loans and leases to core deposits | 51.5401% | 3,925 |
| Total domestic deposits to total assets | 85.2988% | 3,174 |
| Equity capital to assets | 13.9420% | 676 |
| Core capital (leverage) ratio | 14.0477% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4457% | 171 |
| Memoranda: | ||
| Average total assets | $382,590,000 | 2,053 |
| Average earning assets | $362,508,400 | 2,031 |
| Average equity | $54,257,000 | 1,650 |
| Average total loans | $166,314,200 | 2,499 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4689% | 4,589 |
| Cost of funding earning assets | 0.0867% | 4,598 |
| Net interest margin | 2.3822% | 4,415 |
| Noninterest income to average assets | 0.1089% | 4,630 |
| Noninterest expense to average assets | 1.4304% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6629% | 3,863 |
| Return on assets (ROA) | 0.6629% | 3,915 |
| Pretax return on assets | 0.9358% | 3,616 |
| Return on Equity (ROE) | 4.6538% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.6538% | 3,353 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4513% | 2,919 |
| Assets per employee ($millions) | 10.3197% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,578 |
| Loan loss allowance to noncurrent loans | 291.2698% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,658 |
| Noncurrent loans to loans | 0.5202% | 1,998 |
| Net loans and leases to total assets | 42.5846% | 4,055 |
| Net loans and leases to deposits | 49.9771% | 4,007 |
| Net loans and leases to core deposits | 51.7145% | 4,052 |
| Total domestic deposits to total assets | 85.2082% | 3,046 |
| Equity capital to assets | 13.9758% | 741 |
| Core capital (leverage) ratio | 14.1038% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7730% | 159 |
| Memoranda: | ||
| Average total assets | $379,551,750 | 2,083 |
| Average earning assets | $359,661,250 | 2,062 |
| Average equity | $54,062,500 | 1,672 |
| Average total loans | $165,164,500 | 2,545 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5535% | 4,581 |
| Cost of funding earning assets | 0.0995% | 4,589 |
| Net interest margin | 2.4540% | 4,362 |
| Noninterest income to average assets | 0.1076% | 4,664 |
| Noninterest expense to average assets | 1.4317% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7124% | 3,729 |
| Return on assets (ROA) | 0.7124% | 3,797 |
| Pretax return on assets | 1.0023% | 3,445 |
| Return on Equity (ROE) | 4.9689% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.9689% | 3,196 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8222% | 3,172 |
| Assets per employee ($millions) | 10.3485% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,535 |
| Loan loss allowance to noncurrent loans | 281.9978% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,743 |
| Noncurrent loans to loans | 0.5378% | 2,058 |
| Net loans and leases to total assets | 43.5701% | 4,067 |
| Net loans and leases to deposits | 51.3388% | 4,029 |
| Net loans and leases to core deposits | 53.2266% | 4,063 |
| Total domestic deposits to total assets | 84.8678% | 3,155 |
| Equity capital to assets | 14.2162% | 673 |
| Core capital (leverage) ratio | 14.2196% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8276% | 166 |
| Memoranda: | ||
| Average total assets | $375,352,667 | 2,092 |
| Average earning assets | $355,821,333 | 2,066 |
| Average equity | $53,814,667 | 1,670 |
| Average total loans | $163,698,000 | 2,570 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4612% | 4,672 |
| Cost of funding earning assets | 0.1191% | 4,524 |
| Net interest margin | 2.3421% | 4,474 |
| Noninterest income to average assets | 0.1001% | 4,684 |
| Noninterest expense to average assets | 1.4500% | 4,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6201% | 3,889 |
| Return on assets (ROA) | 0.6201% | 3,956 |
| Pretax return on assets | 0.8730% | 3,661 |
| Return on Equity (ROE) | 4.3061% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.3061% | 3,415 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4189% | 2,680 |
| Assets per employee ($millions) | 10.7889% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,305 |
| Loan loss allowance to noncurrent loans | 319.9253% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 3,095 |
| Noncurrent loans to loans | 0.4991% | 2,360 |
| Net loans and leases to total assets | 41.9263% | 4,239 |
| Net loans and leases to deposits | 49.3739% | 4,202 |
| Net loans and leases to core deposits | 51.2968% | 4,227 |
| Total domestic deposits to total assets | 84.9158% | 3,135 |
| Equity capital to assets | 14.1436% | 641 |
| Core capital (leverage) ratio | 14.4574% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9604% | 171 |
| Memoranda: | ||
| Average total assets | $371,582,500 | 2,099 |
| Average earning assets | $352,673,500 | 2,065 |
| Average equity | $53,505,500 | 1,669 |
| Average total loans | $160,849,000 | 2,590 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9066% | 4,702 |
| Cost of funding earning assets | 0.3551% | 3,845 |
| Net interest margin | 2.5515% | 4,541 |
| Noninterest income to average assets | 0.1143% | 4,689 |
| Noninterest expense to average assets | 1.5325% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7068% | 3,410 |
| Return on assets (ROA) | 0.7068% | 3,546 |
| Pretax return on assets | 0.9992% | 3,048 |
| Return on Equity (ROE) | 4.6944% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.6944% | 2,424 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5320% | 3,379 |
| Assets per employee ($millions) | 10.7515% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,306 |
| Loan loss allowance to noncurrent loans | 299.4172% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 3,116 |
| Noncurrent loans to loans | 0.5335% | 2,382 |
| Net loans and leases to total assets | 43.2882% | 4,287 |
| Net loans and leases to deposits | 51.2497% | 4,258 |
| Net loans and leases to core deposits | 53.4408% | 4,287 |
| Total domestic deposits to total assets | 84.4654% | 2,954 |
| Equity capital to assets | 14.6636% | 643 |
| Core capital (leverage) ratio | 14.7431% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4381% | 154 |
| Memoranda: | ||
| Average total assets | $347,477,200 | 2,066 |
| Average earning assets | $329,218,800 | 2,030 |
| Average equity | $52,317,200 | 1,618 |
| Average total loans | $158,963,200 | 2,569 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9951% | 4,736 |
| Cost of funding earning assets | 0.4222% | 3,690 |
| Net interest margin | 2.5729% | 4,595 |
| Noninterest income to average assets | 0.1127% | 4,715 |
| Noninterest expense to average assets | 1.4516% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7783% | 3,172 |
| Return on assets (ROA) | 0.7783% | 3,289 |
| Pretax return on assets | 1.0967% | 2,761 |
| Return on Equity (ROE) | 5.1336% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,506 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9641% | 3,795 |
| Assets per employee ($millions) | 9.5938% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 1,016 |
| Loan loss allowance to noncurrent loans | 226.7432% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 2,871 |
| Noncurrent loans to loans | 0.7194% | 2,000 |
| Net loans and leases to total assets | 43.6451% | 4,432 |
| Net loans and leases to deposits | 51.7180% | 4,421 |
| Net loans and leases to core deposits | 54.0978% | 4,443 |
| Total domestic deposits to total assets | 84.3905% | 2,679 |
| Equity capital to assets | 14.9804% | 640 |
| Core capital (leverage) ratio | 14.8865% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4268% | 161 |
| Memoranda: | ||
| Average total assets | $342,958,500 | 2,063 |
| Average earning assets | $324,657,750 | 2,034 |
| Average equity | $51,995,750 | 1,617 |
| Average total loans | $158,501,500 | 2,585 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1075% | 4,787 |
| Cost of funding earning assets | 0.5236% | 3,391 |
| Net interest margin | 2.5838% | 4,667 |
| Noninterest income to average assets | 0.1151% | 4,721 |
| Noninterest expense to average assets | 1.4739% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7777% | 3,124 |
| Return on assets (ROA) | 0.7777% | 3,237 |
| Pretax return on assets | 1.0839% | 2,760 |
| Return on Equity (ROE) | 5.1083% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.1083% | 2,423 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6240% | 3,738 |
| Assets per employee ($millions) | 9.4308% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 933 |
| Loan loss allowance to noncurrent loans | 220.7045% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 2,973 |
| Noncurrent loans to loans | 0.7402% | 2,029 |
| Net loans and leases to total assets | 44.3311% | 4,436 |
| Net loans and leases to deposits | 52.6721% | 4,420 |
| Net loans and leases to core deposits | 54.9675% | 4,463 |
| Total domestic deposits to total assets | 84.1643% | 2,699 |
| Equity capital to assets | 15.0490% | 613 |
| Core capital (leverage) ratio | 15.1182% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8945% | 156 |
| Memoranda: | ||
| Average total assets | $338,954,667 | 2,055 |
| Average earning assets | $320,453,667 | 2,024 |
| Average equity | $51,602,333 | 1,619 |
| Average total loans | $158,836,667 | 2,576 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 4,857 |
| Cost of funding earning assets | 0.6004% | 3,435 |
| Net interest margin | 2.6257% | 4,735 |
| Noninterest income to average assets | 0.1353% | 4,691 |
| Noninterest expense to average assets | 1.5080% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7965% | 2,923 |
| Return on assets (ROA) | 0.7965% | 3,010 |
| Pretax return on assets | 1.1103% | 2,479 |
| Return on Equity (ROE) | 5.2006% | 3,569 |
| Retained earnings to average equity (ytd only) | 5.2006% | 2,196 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5938% | 4,058 |
| Assets per employee ($millions) | 9.3074% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,032 |
| Loan loss allowance to noncurrent loans | 210.0572% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 2,981 |
| Noncurrent loans to loans | 0.7691% | 2,076 |
| Net loans and leases to total assets | 46.6944% | 4,394 |
| Net loans and leases to deposits | 55.6933% | 4,384 |
| Net loans and leases to core deposits | 58.2985% | 4,422 |
| Total domestic deposits to total assets | 83.8421% | 2,839 |
| Equity capital to assets | 15.4470% | 687 |
| Core capital (leverage) ratio | 15.3241% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1103% | 148 |
| Memoranda: | ||
| Average total assets | $333,962,000 | 2,025 |
| Average earning assets | $315,805,500 | 1,996 |
| Average equity | $51,147,500 | 1,624 |
| Average total loans | $159,626,000 | 2,546 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 4,959 |
| Cost of funding earning assets | 0.6759% | 3,281 |
| Net interest margin | 2.6400% | 4,876 |
| Noninterest income to average assets | 0.1289% | 4,824 |
| Noninterest expense to average assets | 1.5480% | 4,981 |
| Loan and lease loss provision to assets | 0.0037% | 3,929 |
| Net operating income to assets | 0.7590% | 3,677 |
| Return on assets (ROA) | 0.7590% | 3,756 |
| Pretax return on assets | 1.0689% | 3,266 |
| Return on Equity (ROE) | 4.9976% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.9976% | 2,416 |
| Net charge-offs to loans | 0.0089% | 3,364 |
| Credit loss provision to net charge-offs | 85.7143% | 2,714 |
| Earnings coverage of net charge-offs (x) | 248.5000% | 334 |
| Efficiency ratio | 59.0706% | 3,830 |
| Assets per employee ($millions) | 9.2460% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 967 |
| Loan loss allowance to noncurrent loans | 200.7031% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 2,870 |
| Noncurrent loans to loans | 0.7989% | 1,912 |
| Net loans and leases to total assets | 47.3646% | 4,461 |
| Net loans and leases to deposits | 56.3774% | 4,441 |
| Net loans and leases to core deposits | 58.9168% | 4,488 |
| Total domestic deposits to total assets | 84.0135% | 2,841 |
| Equity capital to assets | 15.1828% | 750 |
| Core capital (leverage) ratio | 15.2386% | 638 |
| Tier 1 risk-based capital ratio | 38.1350% | 272 |
| Total risk-based capital ratio | 39.3931% | 266 |
| Memoranda: | ||
| Average total assets | $324,361,200 | 2,011 |
| Average earning assets | $306,131,600 | 1,988 |
| Average equity | $49,263,800 | 1,624 |
| Average total loans | $156,933,200 | 2,547 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,050 |
| Cost of funding earning assets | 0.6666% | 3,364 |
| Net interest margin | 2.6665% | 4,962 |
| Noninterest income to average assets | 0.1266% | 4,892 |
| Noninterest expense to average assets | 1.4858% | 5,074 |
| Loan and lease loss provision to assets | 0.0050% | 3,777 |
| Net operating income to assets | 0.8164% | 3,618 |
| Return on assets (ROA) | 0.8164% | 3,702 |
| Pretax return on assets | 1.1498% | 3,133 |
| Return on Equity (ROE) | 5.3745% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.3745% | 2,689 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2676% | 4,143 |
| Assets per employee ($millions) | 9.1364% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 881 |
| Loan loss allowance to noncurrent loans | 189.3695% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 2,854 |
| Noncurrent loans to loans | 0.8759% | 1,831 |
| Net loans and leases to total assets | 46.5617% | 4,574 |
| Net loans and leases to deposits | 55.4214% | 4,575 |
| Net loans and leases to core deposits | 57.7247% | 4,627 |
| Total domestic deposits to total assets | 84.0139% | 2,820 |
| Equity capital to assets | 15.2352% | 782 |
| Core capital (leverage) ratio | 15.3660% | 667 |
| Tier 1 risk-based capital ratio | 38.0477% | 277 |
| Total risk-based capital ratio | 39.3061% | 277 |
| Memoranda: | ||
| Average total assets | $322,237,500 | 2,031 |
| Average earning assets | $303,806,250 | 2,010 |
| Average equity | $48,945,500 | 1,636 |
| Average total loans | $156,110,250 | 2,584 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 5,115 |
| Cost of funding earning assets | 0.6432% | 3,446 |
| Net interest margin | 2.6835% | 5,013 |
| Noninterest income to average assets | 0.1256% | 4,945 |
| Noninterest expense to average assets | 1.4487% | 5,142 |
| Loan and lease loss provision to assets | 0.0081% | 3,576 |
| Net operating income to assets | 0.8481% | 3,479 |
| Return on assets (ROA) | 0.8481% | 3,536 |
| Pretax return on assets | 1.1956% | 2,920 |
| Return on Equity (ROE) | 5.5893% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.5893% | 2,478 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6183% | 4,398 |
| Assets per employee ($millions) | 9.2618% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 833 |
| Loan loss allowance to noncurrent loans | 173.5393% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,685 |
| Noncurrent loans to loans | 0.9751% | 1,680 |
| Net loans and leases to total assets | 46.3108% | 4,630 |
| Net loans and leases to deposits | 54.9998% | 4,634 |
| Net loans and leases to core deposits | 56.9260% | 4,680 |
| Total domestic deposits to total assets | 84.2018% | 2,779 |
| Equity capital to assets | 15.2506% | 752 |
| Core capital (leverage) ratio | 15.3888% | 635 |
| Tier 1 risk-based capital ratio | 38.6201% | 260 |
| Total risk-based capital ratio | 39.8797% | 253 |
| Memoranda: | ||
| Average total assets | $320,013,330 | 2,047 |
| Average earning assets | $301,328,330 | 2,031 |
| Average equity | $48,557,330 | 1,642 |
| Average total loans | $156,237,330 | 2,590 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,166 |
| Cost of funding earning assets | 0.6225% | 3,447 |
| Net interest margin | 2.6888% | 5,077 |
| Noninterest income to average assets | 0.1321% | 4,939 |
| Noninterest expense to average assets | 1.4519% | 5,195 |
| Loan and lease loss provision to assets | 0.0164% | 3,222 |
| Net operating income to assets | 0.8492% | 3,458 |
| Return on assets (ROA) | 0.8492% | 3,503 |
| Pretax return on assets | 1.1965% | 2,815 |
| Return on Equity (ROE) | 5.6113% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.6113% | 2,631 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4854% | 4,487 |
| Assets per employee ($millions) | 9.1612% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 959 |
| Loan loss allowance to noncurrent loans | 168.7786% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 2,697 |
| Noncurrent loans to loans | 0.9789% | 1,709 |
| Net loans and leases to total assets | 47.9714% | 4,588 |
| Net loans and leases to deposits | 56.9853% | 4,549 |
| Net loans and leases to core deposits | 58.7166% | 4,619 |
| Total domestic deposits to total assets | 84.1821% | 2,983 |
| Equity capital to assets | 15.1374% | 728 |
| Core capital (leverage) ratio | 15.4357% | 606 |
| Tier 1 risk-based capital ratio | 38.1825% | 257 |
| Total risk-based capital ratio | 39.4421% | 252 |
| Memoranda: | ||
| Average total assets | $317,938,000 | 2,072 |
| Average earning assets | $299,460,000 | 2,051 |
| Average equity | $48,117,500 | 1,636 |
| Average total loans | $158,002,500 | 2,582 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 5,129 |
| Cost of funding earning assets | 0.4696% | 3,555 |
| Net interest margin | 2.7548% | 5,060 |
| Noninterest income to average assets | 0.1740% | 4,856 |
| Noninterest expense to average assets | 1.5750% | 5,184 |
| Loan and lease loss provision to assets | 0.0240% | 3,690 |
| Net operating income to assets | 0.8341% | 3,680 |
| Return on assets (ROA) | 0.8341% | 3,675 |
| Pretax return on assets | 1.1745% | 2,989 |
| Return on Equity (ROE) | 5.6222% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.6222% | 2,403 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7886% | 4,310 |
| Assets per employee ($millions) | 9.0067% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,009 |
| Loan loss allowance to noncurrent loans | 176.9443% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 2,723 |
| Noncurrent loans to loans | 0.9104% | 1,764 |
| Net loans and leases to total assets | 49.8149% | 4,534 |
| Net loans and leases to deposits | 59.1823% | 4,520 |
| Net loans and leases to core deposits | 60.8808% | 4,593 |
| Total domestic deposits to total assets | 84.1720% | 2,949 |
| Equity capital to assets | 15.1310% | 685 |
| Core capital (leverage) ratio | 15.2501% | 632 |
| Tier 1 risk-based capital ratio | 37.9685% | 258 |
| Total risk-based capital ratio | 39.2276% | 255 |
| Memoranda: | ||
| Average total assets | $312,571,000 | 2,077 |
| Average earning assets | $294,942,400 | 2,049 |
| Average equity | $46,369,600 | 1,616 |
| Average total loans | $160,406,200 | 2,524 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 5,208 |
| Cost of funding earning assets | 0.4372% | 3,617 |
| Net interest margin | 2.7371% | 5,136 |
| Noninterest income to average assets | 0.1889% | 4,843 |
| Noninterest expense to average assets | 1.5098% | 5,271 |
| Loan and lease loss provision to assets | 0.0321% | 3,379 |
| Net operating income to assets | 0.8729% | 3,649 |
| Return on assets (ROA) | 0.8729% | 3,655 |
| Pretax return on assets | 1.2298% | 2,883 |
| Return on Equity (ROE) | 5.9139% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.9139% | 2,697 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4725% | 4,564 |
| Assets per employee ($millions) | 8.6961% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 1,077 |
| Loan loss allowance to noncurrent loans | 183.1197% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 2,891 |
| Noncurrent loans to loans | 0.8753% | 1,953 |
| Net loans and leases to total assets | 50.4141% | 4,562 |
| Net loans and leases to deposits | 59.7385% | 4,564 |
| Net loans and leases to core deposits | 61.5280% | 4,632 |
| Total domestic deposits to total assets | 84.3914% | 2,818 |
| Equity capital to assets | 14.9914% | 720 |
| Core capital (leverage) ratio | 15.1459% | 670 |
| Tier 1 risk-based capital ratio | 37.1403% | 274 |
| Total risk-based capital ratio | 38.3992% | 266 |
| Memoranda: | ||
| Average total assets | $311,905,500 | 2,096 |
| Average earning assets | $294,316,500 | 2,065 |
| Average equity | $46,037,500 | 1,631 |
| Average total loans | $160,606,750 | 2,528 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 5,275 |
| Cost of funding earning assets | 0.4101% | 3,653 |
| Net interest margin | 2.7242% | 5,196 |
| Noninterest income to average assets | 0.2183% | 4,714 |
| Noninterest expense to average assets | 1.4972% | 5,341 |
| Loan and lease loss provision to assets | 0.0321% | 3,272 |
| Net operating income to assets | 0.8950% | 3,475 |
| Return on assets (ROA) | 0.8950% | 3,483 |
| Pretax return on assets | 1.2609% | 2,672 |
| Return on Equity (ROE) | 6.0954% | 4,193 |
| Retained earnings to average equity (ytd only) | 6.0954% | 2,497 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6585% | 4,728 |
| Assets per employee ($millions) | 8.6772% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,195 |
| Loan loss allowance to noncurrent loans | 174.5031% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 2,878 |
| Noncurrent loans to loans | 0.8969% | 1,926 |
| Net loans and leases to total assets | 51.2590% | 4,523 |
| Net loans and leases to deposits | 60.5833% | 4,500 |
| Net loans and leases to core deposits | 62.1277% | 4,594 |
| Total domestic deposits to total assets | 84.6091% | 2,836 |
| Equity capital to assets | 14.8175% | 724 |
| Core capital (leverage) ratio | 14.9690% | 677 |
| Tier 1 risk-based capital ratio | 35.9720% | 307 |
| Total risk-based capital ratio | 37.2305% | 296 |
| Memoranda: | ||
| Average total assets | $311,521,000 | 2,112 |
| Average earning assets | $294,103,000 | 2,075 |
| Average equity | $45,739,330 | 1,643 |
| Average total loans | $160,676,670 | 2,544 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 5,323 |
| Cost of funding earning assets | 0.3784% | 3,748 |
| Net interest margin | 2.7087% | 5,249 |
| Noninterest income to average assets | 0.3124% | 4,066 |
| Noninterest expense to average assets | 1.4362% | 5,436 |
| Loan and lease loss provision to assets | 0.0321% | 3,076 |
| Net operating income to assets | 1.0222% | 2,767 |
| Return on assets (ROA) | 1.0222% | 2,789 |
| Pretax return on assets | 1.4028% | 1,986 |
| Return on Equity (ROE) | 6.9943% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.9943% | 2,280 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0224% | 5,082 |
| Assets per employee ($millions) | 8.9153% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,210 |
| Loan loss allowance to noncurrent loans | 163.8077% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 2,885 |
| Noncurrent loans to loans | 0.9641% | 1,891 |
| Net loans and leases to total assets | 50.3488% | 4,533 |
| Net loans and leases to deposits | 59.5733% | 4,505 |
| Net loans and leases to core deposits | 61.0951% | 4,609 |
| Total domestic deposits to total assets | 84.5158% | 3,112 |
| Equity capital to assets | 14.6679% | 737 |
| Core capital (leverage) ratio | 14.8941% | 672 |
| Tier 1 risk-based capital ratio | 35.3905% | 320 |
| Total risk-based capital ratio | 36.6486% | 319 |
| Memoranda: | ||
| Average total assets | $311,091,500 | 2,139 |
| Average earning assets | $293,871,500 | 2,102 |
| Average equity | $45,465,500 | 1,660 |
| Average total loans | $159,680,500 | 2,572 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1194% | 5,269 |
| Cost of funding earning assets | 0.3304% | 3,870 |
| Net interest margin | 2.7890% | 5,178 |
| Noninterest income to average assets | 0.1720% | 5,095 |
| Noninterest expense to average assets | 1.5140% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6093% | 3,967 |
| Return on assets (ROA) | 0.6093% | 4,004 |
| Pretax return on assets | 1.2847% | 2,411 |
| Return on Equity (ROE) | 4.1916% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.1916% | 2,650 |
| Net charge-offs to loans | 0.0356% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 70.4107% | 852 |
| Efficiency ratio | 54.0978% | 4,945 |
| Assets per employee ($millions) | 9.1220% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,238 |
| Loan loss allowance to noncurrent loans | 169.1057% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,630 |
| Noncurrent loans to loans | 0.9240% | 1,934 |
| Net loans and leases to total assets | 50.6977% | 4,612 |
| Net loans and leases to deposits | 59.9016% | 4,571 |
| Net loans and leases to core deposits | 61.4017% | 4,686 |
| Total domestic deposits to total assets | 84.6351% | 2,982 |
| Equity capital to assets | 14.5614% | 764 |
| Core capital (leverage) ratio | 14.6562% | 695 |
| Tier 1 risk-based capital ratio | 35.5288% | 307 |
| Total risk-based capital ratio | 36.7873% | 303 |
| Memoranda: | ||
| Average total assets | $306,928,400 | 2,133 |
| Average earning assets | $289,059,400 | 2,105 |
| Average equity | $44,612,800 | 1,670 |
| Average total loans | $157,212,400 | 2,579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1104% | 5,326 |
| Cost of funding earning assets | 0.3206% | 3,931 |
| Net interest margin | 2.7898% | 5,237 |
| Noninterest income to average assets | 0.1812% | 5,111 |
| Noninterest expense to average assets | 1.4717% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9512% | 2,773 |
| Return on assets (ROA) | 0.9512% | 2,835 |
| Pretax return on assets | 1.3358% | 2,342 |
| Return on Equity (ROE) | 6.5473% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.5473% | 1,942 |
| Net charge-offs to loans | 0.0289% | 2,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 90.2102% | 742 |
| Efficiency ratio | 52.4201% | 5,066 |
| Assets per employee ($millions) | 9.3073% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 1,245 |
| Loan loss allowance to noncurrent loans | 152.6986% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,599 |
| Noncurrent loans to loans | 1.0472% | 1,849 |
| Net loans and leases to total assets | 50.4509% | 4,671 |
| Net loans and leases to deposits | 59.6717% | 4,655 |
| Net loans and leases to core deposits | 61.0684% | 4,766 |
| Total domestic deposits to total assets | 84.5474% | 2,900 |
| Equity capital to assets | 14.8375% | 766 |
| Core capital (leverage) ratio | 14.8654% | 686 |
| Tier 1 risk-based capital ratio | 35.0644% | 323 |
| Total risk-based capital ratio | 36.3226% | 319 |
| Memoranda: | ||
| Average total assets | $306,123,500 | 2,149 |
| Average earning assets | $288,188,000 | 2,120 |
| Average equity | $44,475,500 | 1,690 |
| Average total loans | $156,582,000 | 2,602 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 5,300 |
| Cost of funding earning assets | 0.3119% | 3,958 |
| Net interest margin | 2.8399% | 5,185 |
| Noninterest income to average assets | 0.2047% | 5,022 |
| Noninterest expense to average assets | 1.4697% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9929% | 2,456 |
| Return on assets (ROA) | 0.9929% | 2,510 |
| Pretax return on assets | 1.4088% | 1,986 |
| Return on Equity (ROE) | 6.8828% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.8828% | 1,649 |
| Net charge-offs to loans | 0.0435% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 63.3529% | 915 |
| Efficiency ratio | 51.0566% | 5,239 |
| Assets per employee ($millions) | 11.3754% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,297 |
| Loan loss allowance to noncurrent loans | 162.6615% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 2,757 |
| Noncurrent loans to loans | 0.9750% | 2,012 |
| Net loans and leases to total assets | 50.8750% | 4,652 |
| Net loans and leases to deposits | 60.0918% | 4,617 |
| Net loans and leases to core deposits | 61.3216% | 4,751 |
| Total domestic deposits to total assets | 84.6622% | 2,957 |
| Equity capital to assets | 14.6316% | 787 |
| Core capital (leverage) ratio | 14.6553% | 707 |
| Tier 1 risk-based capital ratio | 34.2647% | 324 |
| Total risk-based capital ratio | 35.5222% | 317 |
| Memoranda: | ||
| Average total assets | $305,784,670 | 2,157 |
| Average earning assets | $287,901,000 | 2,125 |
| Average equity | $44,110,000 | 1,700 |
| Average total loans | $156,285,000 | 2,611 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0171% | 5,444 |
| Cost of funding earning assets | 0.3049% | 3,996 |
| Net interest margin | 2.7122% | 5,377 |
| Noninterest income to average assets | 0.2924% | 4,465 |
| Noninterest expense to average assets | 1.4238% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9859% | 2,365 |
| Return on assets (ROA) | 0.9859% | 2,415 |
| Pretax return on assets | 1.4224% | 1,802 |
| Return on Equity (ROE) | 6.8840% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.8840% | 1,896 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0230% | 5,375 |
| Assets per employee ($millions) | 9.0493% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,332 |
| Loan loss allowance to noncurrent loans | 141.4634% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 2,572 |
| Noncurrent loans to loans | 1.1457% | 1,780 |
| Net loans and leases to total assets | 50.3483% | 4,647 |
| Net loans and leases to deposits | 59.5123% | 4,597 |
| Net loans and leases to core deposits | 60.7354% | 4,736 |
| Total domestic deposits to total assets | 84.6014% | 3,263 |
| Equity capital to assets | 14.3248% | 807 |
| Core capital (leverage) ratio | 14.5051% | 710 |
| Tier 1 risk-based capital ratio | 34.4027% | 340 |
| Total risk-based capital ratio | 35.6615% | 336 |
| Memoranda: | ||
| Average total assets | $305,108,500 | 2,180 |
| Average earning assets | $287,292,000 | 2,146 |
| Average equity | $43,695,500 | 1,719 |
| Average total loans | $155,040,500 | 2,636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 5,409 |
| Cost of funding earning assets | 0.3078% | 3,978 |
| Net interest margin | 2.7858% | 5,315 |
| Noninterest income to average assets | 0.1498% | 5,451 |
| Noninterest expense to average assets | 1.5795% | 5,661 |
| Loan and lease loss provision to assets | -0.0576% | 5,608 |
| Net operating income to assets | 0.7397% | 3,591 |
| Return on assets (ROA) | 0.7397% | 3,705 |
| Pretax return on assets | 1.2547% | 2,454 |
| Return on Equity (ROE) | 5.1446% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.1446% | 2,245 |
| Net charge-offs to loans | 0.0689% | 2,713 |
| Credit loss provision to net charge-offs | -165.0485% | 4,969 |
| Earnings coverage of net charge-offs (x) | 34.2816% | 1,320 |
| Efficiency ratio | 56.8864% | 4,965 |
| Assets per employee ($millions) | 8.8982% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,193 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 2,448 |
| Noncurrent loans to loans | 1.2161% | 1,688 |
| Net loans and leases to total assets | 49.6024% | 4,790 |
| Net loans and leases to deposits | 58.4173% | 4,764 |
| Net loans and leases to core deposits | 59.6875% | 4,873 |
| Total domestic deposits to total assets | 84.9104% | 3,091 |
| Equity capital to assets | 14.3178% | 790 |
| Core capital (leverage) ratio | 14.4123% | 715 |
| Tier 1 risk-based capital ratio | 37.4283% | 266 |
| Total risk-based capital ratio | 38.6897% | 259 |
| Memoranda: | ||
| Average total assets | $294,975,800 | 2,193 |
| Average earning assets | $278,120,000 | 2,166 |
| Average equity | $42,413,800 | 1,744 |
| Average total loans | $149,442,800 | 2,652 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0909% | 5,476 |
| Cost of funding earning assets | 0.3104% | 3,970 |
| Net interest margin | 2.7805% | 5,386 |
| Noninterest income to average assets | 0.1274% | 5,611 |
| Noninterest expense to average assets | 1.5358% | 5,731 |
| Loan and lease loss provision to assets | 0.0341% | 3,552 |
| Net operating income to assets | 0.6878% | 3,919 |
| Return on assets (ROA) | 0.6878% | 4,050 |
| Pretax return on assets | 1.1819% | 2,912 |
| Return on Equity (ROE) | 4.7785% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.7785% | 2,973 |
| Net charge-offs to loans | 0.0727% | 2,277 |
| Credit loss provision to net charge-offs | 92.5926% | 2,489 |
| Earnings coverage of net charge-offs (x) | 32.9992% | 1,405 |
| Efficiency ratio | 55.8109% | 5,081 |
| Assets per employee ($millions) | 9.0830% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 901 |
| Loan loss allowance to noncurrent loans | 140.3884% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9328% | 2,236 |
| Noncurrent loans to loans | 1.3298% | 1,664 |
| Net loans and leases to total assets | 49.4380% | 4,861 |
| Net loans and leases to deposits | 58.1971% | 4,870 |
| Net loans and leases to core deposits | 59.4235% | 4,968 |
| Total domestic deposits to total assets | 84.9492% | 2,828 |
| Equity capital to assets | 14.3488% | 914 |
| Core capital (leverage) ratio | 14.4388% | 732 |
| Tier 1 risk-based capital ratio | 37.2629% | 280 |
| Total risk-based capital ratio | 38.5271% | 276 |
| Memoranda: | ||
| Average total assets | $293,084,750 | 2,214 |
| Average earning assets | $276,632,000 | 2,183 |
| Average equity | $42,188,000 | 1,761 |
| Average total loans | $148,648,750 | 2,661 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1061% | 5,537 |
| Cost of funding earning assets | 0.3147% | 3,965 |
| Net interest margin | 2.7914% | 5,434 |
| Noninterest income to average assets | 0.1238% | 5,691 |
| Noninterest expense to average assets | 1.4955% | 5,841 |
| Loan and lease loss provision to assets | 0.0516% | 3,116 |
| Net operating income to assets | 0.7412% | 3,596 |
| Return on assets (ROA) | 0.7412% | 3,753 |
| Pretax return on assets | 1.2116% | 2,742 |
| Return on Equity (ROE) | 5.1438% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.1438% | 2,634 |
| Net charge-offs to loans | 0.3030% | 784 |
| Credit loss provision to net charge-offs | 33.4821% | 2,825 |
| Earnings coverage of net charge-offs (x) | 8.2009% | 2,541 |
| Efficiency ratio | 54.2124% | 5,293 |
| Assets per employee ($millions) | 8.6881% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 1,081 |
| Loan loss allowance to noncurrent loans | 120.2156% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 2,037 |
| Noncurrent loans to loans | 1.4945% | 1,463 |
| Net loans and leases to total assets | 49.5166% | 4,871 |
| Net loans and leases to deposits | 58.4038% | 4,878 |
| Net loans and leases to core deposits | 59.3260% | 5,006 |
| Total domestic deposits to total assets | 84.7831% | 2,969 |
| Equity capital to assets | 14.4149% | 895 |
| Core capital (leverage) ratio | 14.3985% | 727 |
| Tier 1 risk-based capital ratio | 36.8611% | 289 |
| Total risk-based capital ratio | 38.1236% | 287 |
| Memoranda: | ||
| Average total assets | $290,866,670 | 2,240 |
| Average earning assets | $274,558,330 | 2,206 |
| Average equity | $41,914,330 | 1,769 |
| Average total loans | $147,863,670 | 2,678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 5,628 |
| Cost of funding earning assets | 0.3215% | 3,929 |
| Net interest margin | 2.7529% | 5,541 |
| Noninterest income to average assets | 0.1289% | 5,700 |
| Noninterest expense to average assets | 1.4941% | 5,916 |
| Loan and lease loss provision to assets | 0.1039% | 1,974 |
| Net operating income to assets | 0.6680% | 3,883 |
| Return on assets (ROA) | 0.6680% | 4,004 |
| Pretax return on assets | 1.1296% | 2,974 |
| Return on Equity (ROE) | 4.6367% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.6367% | 3,160 |
| Net charge-offs to loans | 0.6082% | 364 |
| Credit loss provision to net charge-offs | 33.4821% | 2,193 |
| Earnings coverage of net charge-offs (x) | 3.9732% | 2,479 |
| Efficiency ratio | 54.7764% | 5,306 |
| Assets per employee ($millions) | 8.3737% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 1,124 |
| Loan loss allowance to noncurrent loans | 110.3960% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 2,075 |
| Noncurrent loans to loans | 1.6433% | 1,389 |
| Net loans and leases to total assets | 49.4172% | 4,849 |
| Net loans and leases to deposits | 58.1099% | 4,844 |
| Net loans and leases to core deposits | 58.6799% | 5,012 |
| Total domestic deposits to total assets | 85.0409% | 3,121 |
| Equity capital to assets | 14.2917% | 886 |
| Core capital (leverage) ratio | 14.5444% | 691 |
| Tier 1 risk-based capital ratio | 36.6533% | 295 |
| Total risk-based capital ratio | 37.9161% | 293 |
| Memoranda: | ||
| Average total assets | $288,602,000 | 2,255 |
| Average earning assets | $272,438,000 | 2,222 |
| Average equity | $41,581,000 | 1,775 |
| Average total loans | $147,322,500 | 2,689 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2687% | 5,396 |
| Cost of funding earning assets | 0.3033% | 4,210 |
| Net interest margin | 2.9653% | 5,216 |
| Noninterest income to average assets | 0.0682% | 5,957 |
| Noninterest expense to average assets | 1.5871% | 5,929 |
| Loan and lease loss provision to assets | 0.1428% | 1,662 |
| Net operating income to assets | 0.7205% | 3,707 |
| Return on assets (ROA) | 0.7205% | 3,814 |
| Pretax return on assets | 1.1622% | 2,803 |
| Return on Equity (ROE) | 4.9956% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,425 |
| Net charge-offs to loans | 0.0476% | 3,253 |
| Credit loss provision to net charge-offs | 555.5556% | 599 |
| Earnings coverage of net charge-offs (x) | 50.7639% | 989 |
| Efficiency ratio | 54.8765% | 5,456 |
| Assets per employee ($millions) | 8.6098% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 919 |
| Loan loss allowance to noncurrent loans | 81.4121% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4673% | 1,395 |
| Noncurrent loans to loans | 2.3583% | 808 |
| Net loans and leases to total assets | 50.7919% | 4,798 |
| Net loans and leases to deposits | 59.9325% | 4,786 |
| Net loans and leases to core deposits | 60.5671% | 4,945 |
| Total domestic deposits to total assets | 84.7486% | 3,196 |
| Equity capital to assets | 14.5275% | 765 |
| Core capital (leverage) ratio | 14.6125% | 686 |
| Tier 1 risk-based capital ratio | 36.2384% | 301 |
| Total risk-based capital ratio | 37.5032% | 295 |
| Memoranda: | ||
| Average total assets | $280,075,400 | 2,272 |
| Average earning assets | $266,714,800 | 2,223 |
| Average equity | $40,395,800 | 1,782 |
| Average total loans | $151,257,800 | 2,580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 5,387 |
| Cost of funding earning assets | 0.2979% | 4,364 |
| Net interest margin | 3.0132% | 5,160 |
| Noninterest income to average assets | 0.0664% | 6,055 |
| Noninterest expense to average assets | 1.4348% | 6,078 |
| Loan and lease loss provision to assets | 0.1433% | 1,535 |
| Net operating income to assets | 0.8046% | 3,409 |
| Return on assets (ROA) | 0.8046% | 3,503 |
| Pretax return on assets | 1.3636% | 2,166 |
| Return on Equity (ROE) | 5.5886% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.5886% | 2,529 |
| Net charge-offs to loans | 0.0044% | 4,021 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 630.4693% | 119 |
| Efficiency ratio | 48.7738% | 5,833 |
| Assets per employee ($millions) | 8.2395% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 1,181 |
| Loan loss allowance to noncurrent loans | 77.9453% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.5331% | 1,457 |
| Noncurrent loans to loans | 2.3693% | 881 |
| Net loans and leases to total assets | 52.9701% | 4,667 |
| Net loans and leases to deposits | 62.5520% | 4,676 |
| Net loans and leases to core deposits | 63.2233% | 4,856 |
| Total domestic deposits to total assets | 84.6818% | 3,140 |
| Equity capital to assets | 14.6493% | 822 |
| Core capital (leverage) ratio | 14.5946% | 717 |
| Tier 1 risk-based capital ratio | 36.7827% | 310 |
| Total risk-based capital ratio | 38.0483% | 307 |
| Memoranda: | ||
| Average total assets | $279,063,250 | 2,294 |
| Average earning assets | $266,292,000 | 2,242 |
| Average equity | $40,175,750 | 1,808 |
| Average total loans | $152,288,000 | 2,576 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 5,377 |
| Cost of funding earning assets | 0.2909% | 4,499 |
| Net interest margin | 3.0430% | 5,107 |
| Noninterest income to average assets | 0.0588% | 6,145 |
| Noninterest expense to average assets | 1.4001% | 6,172 |
| Loan and lease loss provision to assets | 0.1435% | 1,516 |
| Net operating income to assets | 0.8245% | 3,248 |
| Return on assets (ROA) | 0.8245% | 3,360 |
| Pretax return on assets | 1.4130% | 1,919 |
| Return on Equity (ROE) | 5.7611% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.7611% | 2,372 |
| Net charge-offs to loans | 0.0707% | 2,380 |
| Credit loss provision to net charge-offs | 370.3704% | 796 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 1,126 |
| Efficiency ratio | 47.3544% | 5,991 |
| Assets per employee ($millions) | 8.2376% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 1,479 |
| Loan loss allowance to noncurrent loans | 59.3266% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.9180% | 1,176 |
| Noncurrent loans to loans | 2.9614% | 674 |
| Net loans and leases to total assets | 52.7694% | 4,679 |
| Net loans and leases to deposits | 62.1220% | 4,694 |
| Net loans and leases to core deposits | 62.7854% | 4,888 |
| Total domestic deposits to total assets | 84.9449% | 3,145 |
| Equity capital to assets | 14.4450% | 833 |
| Core capital (leverage) ratio | 14.4438% | 725 |
| Tier 1 risk-based capital ratio | 36.4957% | 326 |
| Total risk-based capital ratio | 37.7590% | 319 |
| Memoranda: | ||
| Average total assets | $278,703,330 | 2,314 |
| Average earning assets | $265,397,000 | 2,267 |
| Average equity | $39,888,000 | 1,826 |
| Average total loans | $152,656,000 | 2,585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 5,430 |
| Cost of funding earning assets | 0.2853% | 4,605 |
| Net interest margin | 3.0232% | 5,144 |
| Noninterest income to average assets | 0.0374% | 6,261 |
| Noninterest expense to average assets | 1.4057% | 6,231 |
| Loan and lease loss provision to assets | 0.1439% | 1,419 |
| Net operating income to assets | 0.7798% | 3,365 |
| Return on assets (ROA) | 0.7798% | 3,497 |
| Pretax return on assets | 1.3539% | 2,055 |
| Return on Equity (ROE) | 5.4743% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.4743% | 2,794 |
| Net charge-offs to loans | 0.0572% | 2,184 |
| Credit loss provision to net charge-offs | 454.5455% | 591 |
| Earnings coverage of net charge-offs (x) | 47.3182% | 871 |
| Efficiency ratio | 48.4143% | 5,997 |
| Assets per employee ($millions) | 8.4748% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 1,766 |
| Loan loss allowance to noncurrent loans | 75.4468% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 1,668 |
| Noncurrent loans to loans | 2.2377% | 1,121 |
| Net loans and leases to total assets | 53.6175% | 4,489 |
| Net loans and leases to deposits | 62.9917% | 4,483 |
| Net loans and leases to core deposits | 63.5639% | 4,736 |
| Total domestic deposits to total assets | 85.1184% | 3,349 |
| Equity capital to assets | 14.2798% | 897 |
| Core capital (leverage) ratio | 14.4228% | 711 |
| Tier 1 risk-based capital ratio | 35.0667% | 358 |
| Total risk-based capital ratio | 36.3290% | 357 |
| Memoranda: | ||
| Average total assets | $278,016,500 | 2,327 |
| Average earning assets | $263,561,500 | 2,288 |
| Average equity | $39,603,500 | 1,852 |
| Average total loans | $153,765,000 | 2,566 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 5,775 |
| Cost of funding earning assets | 0.2898% | 4,904 |
| Net interest margin | 2.9558% | 5,539 |
| Noninterest income to average assets | 0.0918% | 6,187 |
| Noninterest expense to average assets | 1.4812% | 6,306 |
| Loan and lease loss provision to assets | 0.1446% | 1,835 |
| Net operating income to assets | 0.7634% | 3,550 |
| Return on assets (ROA) | 0.7634% | 3,651 |
| Pretax return on assets | 1.2756% | 2,325 |
| Return on Equity (ROE) | 5.5229% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.5229% | 2,246 |
| Net charge-offs to loans | 0.2781% | 1,559 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | 8.9295% | 2,812 |
| Efficiency ratio | 51.0527% | 6,039 |
| Assets per employee ($millions) | 8.3747% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 2,054 |
| Loan loss allowance to noncurrent loans | 61.2610% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 1,447 |
| Noncurrent loans to loans | 2.6296% | 937 |
| Net loans and leases to total assets | 55.1832% | 4,424 |
| Net loans and leases to deposits | 64.7698% | 4,452 |
| Net loans and leases to core deposits | 65.4508% | 4,712 |
| Total domestic deposits to total assets | 85.1989% | 3,208 |
| Equity capital to assets | 14.2098% | 899 |
| Core capital (leverage) ratio | 14.1624% | 774 |
| Tier 1 risk-based capital ratio | 34.1753% | 361 |
| Total risk-based capital ratio | 35.4364% | 356 |
| Memoranda: | ||
| Average total assets | $276,660,400 | 2,306 |
| Average earning assets | $262,977,600 | 2,254 |
| Average equity | $38,241,000 | 1,849 |
| Average total loans | $158,191,400 | 2,452 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 5,679 |
| Cost of funding earning assets | 0.2882% | 5,008 |
| Net interest margin | 3.0597% | 5,361 |
| Noninterest income to average assets | 0.0800% | 6,304 |
| Noninterest expense to average assets | 1.4035% | 6,407 |
| Loan and lease loss provision to assets | 0.0906% | 2,545 |
| Net operating income to assets | 0.8899% | 2,956 |
| Return on assets (ROA) | 0.8899% | 3,058 |
| Pretax return on assets | 1.4960% | 1,658 |
| Return on Equity (ROE) | 6.4834% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.4834% | 2,115 |
| Net charge-offs to loans | 0.3983% | 996 |
| Credit loss provision to net charge-offs | 39.5789% | 3,296 |
| Earnings coverage of net charge-offs (x) | 6.9326% | 3,001 |
| Efficiency ratio | 46.9384% | 6,246 |
| Assets per employee ($millions) | 8.3583% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 2,995 |
| Loan loss allowance to noncurrent loans | 42.1901% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2250% | 1,238 |
| Noncurrent loans to loans | 3.4129% | 713 |
| Net loans and leases to total assets | 55.8373% | 4,351 |
| Net loans and leases to deposits | 65.4849% | 4,387 |
| Net loans and leases to core deposits | 66.1734% | 4,687 |
| Total domestic deposits to total assets | 85.2674% | 3,238 |
| Equity capital to assets | 14.1265% | 960 |
| Core capital (leverage) ratio | 14.0877% | 820 |
| Tier 1 risk-based capital ratio | 33.6258% | 400 |
| Total risk-based capital ratio | 34.8846% | 394 |
| Memoranda: | ||
| Average total assets | $276,734,250 | 2,317 |
| Average earning assets | $263,197,750 | 2,263 |
| Average equity | $37,983,500 | 1,864 |
| Average total loans | $158,988,250 | 2,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 5,678 |
| Cost of funding earning assets | 0.2855% | 5,125 |
| Net interest margin | 3.0841% | 5,305 |
| Noninterest income to average assets | 0.0830% | 6,340 |
| Noninterest expense to average assets | 1.3745% | 6,491 |
| Loan and lease loss provision to assets | 0.0902% | 2,521 |
| Net operating income to assets | 0.9233% | 2,688 |
| Return on assets (ROA) | 0.9233% | 2,789 |
| Pretax return on assets | 1.5500% | 1,393 |
| Return on Equity (ROE) | 6.7930% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.7930% | 1,873 |
| Net charge-offs to loans | 0.4741% | 851 |
| Credit loss provision to net charge-offs | 32.9815% | 3,016 |
| Earnings coverage of net charge-offs (x) | 5.9947% | 2,839 |
| Efficiency ratio | 45.5939% | 6,376 |
| Assets per employee ($millions) | 8.4072% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 3,119 |
| Loan loss allowance to noncurrent loans | 41.2392% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 2.2812% | 1,317 |
| Noncurrent loans to loans | 3.5105% | 753 |
| Net loans and leases to total assets | 56.0187% | 4,282 |
| Net loans and leases to deposits | 65.4058% | 4,334 |
| Net loans and leases to core deposits | 66.0855% | 4,636 |
| Total domestic deposits to total assets | 85.6479% | 3,217 |
| Equity capital to assets | 13.8327% | 1,039 |
| Core capital (leverage) ratio | 13.8094% | 881 |
| Tier 1 risk-based capital ratio | 32.8996% | 413 |
| Total risk-based capital ratio | 34.1580% | 404 |
| Memoranda: | ||
| Average total assets | $277,038,000 | 2,318 |
| Average earning assets | $263,355,000 | 2,259 |
| Average equity | $37,656,670 | 1,870 |
| Average total loans | $159,897,000 | 2,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 5,653 |
| Cost of funding earning assets | 0.2835% | 5,237 |
| Net interest margin | 3.1139% | 5,198 |
| Noninterest income to average assets | 0.0665% | 6,436 |
| Noninterest expense to average assets | 1.3929% | 6,564 |
| Loan and lease loss provision to assets | 0.0910% | 2,403 |
| Net operating income to assets | 0.9189% | 2,555 |
| Return on assets (ROA) | 0.9189% | 2,630 |
| Pretax return on assets | 1.5504% | 1,289 |
| Return on Equity (ROE) | 6.8210% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.8210% | 2,136 |
| Net charge-offs to loans | 0.8770% | 398 |
| Credit loss provision to net charge-offs | 17.8470% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.2181% | 2,721 |
| Efficiency ratio | 45.9048% | 6,434 |
| Assets per employee ($millions) | 8.4504% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 3,583 |
| Loan loss allowance to noncurrent loans | 37.9601% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 1,371 |
| Noncurrent loans to loans | 3.6986% | 761 |
| Net loans and leases to total assets | 56.6113% | 4,065 |
| Net loans and leases to deposits | 66.0188% | 4,092 |
| Net loans and leases to core deposits | 66.5478% | 4,445 |
| Total domestic deposits to total assets | 85.7504% | 3,496 |
| Equity capital to assets | 13.5081% | 1,094 |
| Core capital (leverage) ratio | 13.5369% | 962 |
| Tier 1 risk-based capital ratio | 31.9475% | 448 |
| Total risk-based capital ratio | 33.2056% | 445 |
| Memoranda: | ||
| Average total assets | $276,839,000 | 2,323 |
| Average earning assets | $263,847,500 | 2,259 |
| Average equity | $37,296,500 | 1,883 |
| Average total loans | $160,996,000 | 2,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 5,076 |
| Cost of funding earning assets | 0.3262% | 5,365 |
| Net interest margin | 3.3919% | 4,305 |
| Noninterest income to average assets | 0.0970% | 6,397 |
| Noninterest expense to average assets | 1.4675% | 6,590 |
| Loan and lease loss provision to assets | 0.1843% | 1,999 |
| Net operating income to assets | 0.9938% | 2,351 |
| Return on assets (ROA) | 0.9938% | 2,425 |
| Pretax return on assets | 1.6688% | 1,020 |
| Return on Equity (ROE) | 7.5299% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.5299% | 1,223 |
| Net charge-offs to loans | 1.0676% | 530 |
| Credit loss provision to net charge-offs | 29.6560% | 4,257 |
| Earnings coverage of net charge-offs (x) | 2.9816% | 4,000 |
| Efficiency ratio | 44.1940% | 6,611 |
| Assets per employee ($millions) | 8.3277% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 2,896 |
| Loan loss allowance to noncurrent loans | 46.1105% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 1,571 |
| Noncurrent loans to loans | 3.3989% | 945 |
| Net loans and leases to total assets | 57.9805% | 4,034 |
| Net loans and leases to deposits | 67.3621% | 4,138 |
| Net loans and leases to core deposits | 67.9073% | 4,526 |
| Total domestic deposits to total assets | 86.0728% | 3,222 |
| Equity capital to assets | 13.4359% | 1,095 |
| Core capital (leverage) ratio | 13.4995% | 958 |
| Tier 1 risk-based capital ratio | 31.2643% | 457 |
| Total risk-based capital ratio | 32.5249% | 450 |
| Memoranda: | ||
| Average total assets | $271,268,600 | 2,334 |
| Average earning assets | $257,821,400 | 2,264 |
| Average equity | $35,803,800 | 1,923 |
| Average total loans | $157,928,200 | 2,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,899 |
| Cost of funding earning assets | 0.3365% | 5,420 |
| Net interest margin | 3.4512% | 4,084 |
| Noninterest income to average assets | 0.0888% | 6,511 |
| Noninterest expense to average assets | 1.4355% | 6,673 |
| Loan and lease loss provision to assets | 0.0740% | 3,576 |
| Net operating income to assets | 1.0982% | 2,014 |
| Return on assets (ROA) | 1.0982% | 2,087 |
| Pretax return on assets | 1.8566% | 785 |
| Return on Equity (ROE) | 8.3585% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3585% | 1,268 |
| Net charge-offs to loans | 1.4137% | 348 |
| Credit loss provision to net charge-offs | 9.0144% | 4,226 |
| Earnings coverage of net charge-offs (x) | 2.3528% | 4,051 |
| Efficiency ratio | 42.6458% | 6,690 |
| Assets per employee ($millions) | 8.3329% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 3,909 |
| Loan loss allowance to noncurrent loans | 54.7324% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 2,570 |
| Noncurrent loans to loans | 2.5517% | 1,684 |
| Net loans and leases to total assets | 56.7143% | 4,219 |
| Net loans and leases to deposits | 65.8719% | 4,322 |
| Net loans and leases to core deposits | 66.4040% | 4,677 |
| Total domestic deposits to total assets | 86.0979% | 3,199 |
| Equity capital to assets | 13.2708% | 1,210 |
| Core capital (leverage) ratio | 13.3225% | 1,091 |
| Tier 1 risk-based capital ratio | 31.4985% | 453 |
| Total risk-based capital ratio | 32.7565% | 449 |
| Memoranda: | ||
| Average total assets | $270,382,000 | 2,355 |
| Average earning assets | $256,752,250 | 2,278 |
| Average equity | $35,523,750 | 1,956 |
| Average total loans | $156,941,250 | 2,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 5,247 |
| Cost of funding earning assets | 0.3550% | 5,351 |
| Net interest margin | 3.3116% | 4,529 |
| Noninterest income to average assets | 0.0856% | 6,569 |
| Noninterest expense to average assets | 1.4387% | 6,715 |
| Loan and lease loss provision to assets | 0.0744% | 3,556 |
| Net operating income to assets | 1.0169% | 2,258 |
| Return on assets (ROA) | 1.0169% | 2,382 |
| Pretax return on assets | 1.7162% | 1,083 |
| Return on Equity (ROE) | 7.7669% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.7669% | 1,577 |
| Net charge-offs to loans | 2.1261% | 201 |
| Credit loss provision to net charge-offs | 6.0096% | 3,941 |
| Earnings coverage of net charge-offs (x) | 1.4465% | 4,054 |
| Efficiency ratio | 44.5519% | 6,695 |
| Assets per employee ($millions) | 8.4997% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,066 |
| Loan loss allowance to noncurrent loans | 42.5251% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.9765% | 2,180 |
| Noncurrent loans to loans | 3.2759% | 1,340 |
| Net loans and leases to total assets | 56.1859% | 4,250 |
| Net loans and leases to deposits | 65.0066% | 4,376 |
| Net loans and leases to core deposits | 65.5348% | 4,738 |
| Total domestic deposits to total assets | 86.4311% | 3,150 |
| Equity capital to assets | 13.1034% | 1,307 |
| Core capital (leverage) ratio | 13.1460% | 1,116 |
| Tier 1 risk-based capital ratio | 30.7759% | 487 |
| Total risk-based capital ratio | 32.0337% | 480 |
| Memoranda: | ||
| Average total assets | $268,847,000 | 2,384 |
| Average earning assets | $255,221,000 | 2,304 |
| Average equity | $35,200,670 | 1,976 |
| Average total loans | $156,533,000 | 2,484 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 5,202 |
| Cost of funding earning assets | 0.3827% | 5,257 |
| Net interest margin | 3.3073% | 4,489 |
| Noninterest income to average assets | 0.0943% | 6,590 |
| Noninterest expense to average assets | 1.4158% | 6,803 |
| Loan and lease loss provision to assets | 0.0748% | 3,382 |
| Net operating income to assets | 1.0491% | 2,040 |
| Return on assets (ROA) | 1.0491% | 2,149 |
| Pretax return on assets | 1.7465% | 980 |
| Return on Equity (ROE) | 8.0158% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.0158% | 1,750 |
| Net charge-offs to loans | 4.1498% | 62 |
| Credit loss provision to net charge-offs | 3.0637% | 3,213 |
| Earnings coverage of net charge-offs (x) | 0.7457% | 3,582 |
| Efficiency ratio | 43.7356% | 6,783 |
| Assets per employee ($millions) | 8.3815% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,331 |
| Loan loss allowance to noncurrent loans | 40.6570% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 2,261 |
| Noncurrent loans to loans | 3.3949% | 1,422 |
| Net loans and leases to total assets | 57.0363% | 3,918 |
| Net loans and leases to deposits | 66.2308% | 4,019 |
| Net loans and leases to core deposits | 66.7641% | 4,436 |
| Total domestic deposits to total assets | 86.1175% | 3,467 |
| Equity capital to assets | 13.1685% | 1,349 |
| Core capital (leverage) ratio | 13.1076% | 1,074 |
| Tier 1 risk-based capital ratio | 30.3888% | 514 |
| Total risk-based capital ratio | 31.6466% | 504 |
| Memoranda: | ||
| Average total assets | $267,275,500 | 2,422 |
| Average earning assets | $253,987,000 | 2,339 |
| Average equity | $34,981,000 | 2,017 |
| Average total loans | $157,310,000 | 2,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 5,517 |
| Cost of funding earning assets | 0.5172% | 5,095 |
| Net interest margin | 3.4037% | 4,869 |
| Noninterest income to average assets | 0.0678% | 6,629 |
| Noninterest expense to average assets | 1.4890% | 6,873 |
| Loan and lease loss provision to assets | 0.3220% | 2,117 |
| Net operating income to assets | 0.8932% | 2,855 |
| Return on assets (ROA) | 0.8932% | 3,087 |
| Pretax return on assets | 1.4848% | 1,730 |
| Return on Equity (ROE) | 7.0280% | 3,630 |
| Retained earnings to average equity (ytd only) | 7.0280% | 1,556 |
| Net charge-offs to loans | 0.1443% | 4,248 |
| Credit loss provision to net charge-offs | 363.2479% | 673 |
| Earnings coverage of net charge-offs (x) | 20.3846% | 1,357 |
| Efficiency ratio | 45.1787% | 6,813 |
| Assets per employee ($millions) | 8.5917% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3341% | 1,321 |
| Loan loss allowance to noncurrent loans | 51.9030% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.8054% | 1,707 |
| Noncurrent loans to loans | 4.4971% | 949 |
| Net loans and leases to total assets | 58.4885% | 3,885 |
| Net loans and leases to deposits | 67.6592% | 4,034 |
| Net loans and leases to core deposits | 68.2958% | 4,505 |
| Total domestic deposits to total assets | 86.4457% | 3,127 |
| Equity capital to assets | 13.0069% | 1,452 |
| Core capital (leverage) ratio | 12.9376% | 1,134 |
| Tier 1 risk-based capital ratio | 29.4441% | 539 |
| Total risk-based capital ratio | 30.7182% | 529 |
| Memoranda: | ||
| Average total assets | $264,000,000 | 2,398 |
| Average earning assets | $250,377,400 | 2,320 |
| Average equity | $33,551,600 | 2,058 |
| Average total loans | $162,201,000 | 2,397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 5,526 |
| Cost of funding earning assets | 0.5410% | 5,155 |
| Net interest margin | 3.4561% | 4,824 |
| Noninterest income to average assets | 0.0587% | 6,772 |
| Noninterest expense to average assets | 1.4284% | 6,978 |
| Loan and lease loss provision to assets | 0.0759% | 4,695 |
| Net operating income to assets | 1.0867% | 2,140 |
| Return on assets (ROA) | 1.0867% | 2,336 |
| Pretax return on assets | 1.8298% | 985 |
| Return on Equity (ROE) | 8.6019% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.6019% | 1,377 |
| Net charge-offs to loans | 0.1916% | 3,586 |
| Credit loss provision to net charge-offs | 64.1026% | 4,045 |
| Earnings coverage of net charge-offs (x) | 16.0898% | 1,713 |
| Efficiency ratio | 42.8420% | 6,934 |
| Assets per employee ($millions) | 8.5420% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 2,596 |
| Loan loss allowance to noncurrent loans | 42.8430% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7862% | 1,888 |
| Noncurrent loans to loans | 4.3563% | 1,111 |
| Net loans and leases to total assets | 60.0256% | 3,780 |
| Net loans and leases to deposits | 69.5330% | 3,963 |
| Net loans and leases to core deposits | 70.1917% | 4,483 |
| Total domestic deposits to total assets | 86.3268% | 3,070 |
| Equity capital to assets | 12.9954% | 1,591 |
| Core capital (leverage) ratio | 12.9322% | 1,213 |
| Tier 1 risk-based capital ratio | 29.0920% | 576 |
| Total risk-based capital ratio | 30.3587% | 568 |
| Memoranda: | ||
| Average total assets | $263,414,250 | 2,427 |
| Average earning assets | $249,642,000 | 2,350 |
| Average equity | $33,278,750 | 2,091 |
| Average total loans | $162,875,500 | 2,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 5,567 |
| Cost of funding earning assets | 0.5683% | 5,159 |
| Net interest margin | 3.4574% | 4,850 |
| Noninterest income to average assets | 0.0555% | 6,838 |
| Noninterest expense to average assets | 1.4406% | 7,036 |
| Loan and lease loss provision to assets | 0.0761% | 4,670 |
| Net operating income to assets | 1.0838% | 2,113 |
| Return on assets (ROA) | 1.0838% | 2,330 |
| Pretax return on assets | 1.8148% | 1,010 |
| Return on Equity (ROE) | 8.6624% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.6624% | 1,392 |
| Net charge-offs to loans | 0.1814% | 3,507 |
| Credit loss provision to net charge-offs | 67.5676% | 3,623 |
| Earnings coverage of net charge-offs (x) | 16.7973% | 1,568 |
| Efficiency ratio | 43.2420% | 6,981 |
| Assets per employee ($millions) | 8.5567% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,643 |
| Loan loss allowance to noncurrent loans | 43.9196% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.6838% | 2,058 |
| Noncurrent loans to loans | 4.2576% | 1,270 |
| Net loans and leases to total assets | 60.5178% | 3,732 |
| Net loans and leases to deposits | 69.7319% | 3,938 |
| Net loans and leases to core deposits | 70.3865% | 4,487 |
| Total domestic deposits to total assets | 86.7865% | 2,900 |
| Equity capital to assets | 12.6763% | 1,702 |
| Core capital (leverage) ratio | 12.6345% | 1,300 |
| Tier 1 risk-based capital ratio | 27.7973% | 657 |
| Total risk-based capital ratio | 29.0636% | 640 |
| Memoranda: | ||
| Average total assets | $262,951,670 | 2,430 |
| Average earning assets | $249,148,670 | 2,361 |
| Average equity | $32,901,000 | 2,091 |
| Average total loans | $163,176,670 | 2,424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 5,319 |
| Cost of funding earning assets | 0.5861% | 5,244 |
| Net interest margin | 3.5536% | 4,472 |
| Noninterest income to average assets | 0.0795% | 6,827 |
| Noninterest expense to average assets | 1.3766% | 7,126 |
| Loan and lease loss provision to assets | 0.0764% | 4,440 |
| Net operating income to assets | 1.1780% | 1,806 |
| Return on assets (ROA) | 1.1780% | 1,990 |
| Pretax return on assets | 1.9893% | 749 |
| Return on Equity (ROE) | 9.4779% | 2,612 |
| Retained earnings to average equity (ytd only) | 9.4779% | 1,419 |
| Net charge-offs to loans | 0.0785% | 3,712 |
| Credit loss provision to net charge-offs | 156.2500% | 1,621 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 713 |
| Efficiency ratio | 39.9911% | 7,107 |
| Assets per employee ($millions) | 8.5375% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9178% | 2,625 |
| Loan loss allowance to noncurrent loans | 42.2469% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.8531% | 2,048 |
| Noncurrent loans to loans | 4.5396% | 1,274 |
| Net loans and leases to total assets | 60.3857% | 3,575 |
| Net loans and leases to deposits | 69.6266% | 3,782 |
| Net loans and leases to core deposits | 70.6219% | 4,333 |
| Total domestic deposits to total assets | 86.7280% | 3,102 |
| Equity capital to assets | 12.4453% | 1,756 |
| Core capital (leverage) ratio | 12.4142% | 1,376 |
| Tier 1 risk-based capital ratio | 27.0308% | 730 |
| Total risk-based capital ratio | 28.2974% | 711 |
| Memoranda: | ||
| Average total assets | $261,798,000 | 2,463 |
| Average earning assets | $247,747,500 | 2,382 |
| Average equity | $32,539,000 | 2,115 |
| Average total loans | $162,971,000 | 2,434 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 5,466 |
| Cost of funding earning assets | 0.6690% | 5,716 |
| Net interest margin | 3.7207% | 4,206 |
| Noninterest income to average assets | 0.1050% | 6,619 |
| Noninterest expense to average assets | 1.5340% | 7,150 |
| Loan and lease loss provision to assets | 0.2557% | 3,649 |
| Net operating income to assets | 1.0996% | 1,837 |
| Return on assets (ROA) | 1.0996% | 1,951 |
| Pretax return on assets | 1.8381% | 747 |
| Return on Equity (ROE) | 9.0580% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.0580% | 784 |
| Net charge-offs to loans | 0.0378% | 5,939 |
| Credit loss provision to net charge-offs | 1,048.3871% | 215 |
| Earnings coverage of net charge-offs (x) | 85.8387% | 342 |
| Efficiency ratio | 42.2839% | 7,164 |
| Assets per employee ($millions) | 8.3527% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,548 |
| Loan loss allowance to noncurrent loans | 101.7016% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 4,159 |
| Noncurrent loans to loans | 1.8749% | 3,376 |
| Net loans and leases to total assets | 61.7497% | 3,652 |
| Net loans and leases to deposits | 71.0491% | 3,943 |
| Net loans and leases to core deposits | 72.0655% | 4,523 |
| Total domestic deposits to total assets | 86.9113% | 2,811 |
| Equity capital to assets | 12.4124% | 1,848 |
| Core capital (leverage) ratio | 12.3902% | 1,397 |
| Tier 1 risk-based capital ratio | 26.0553% | 772 |
| Total risk-based capital ratio | 27.3210% | 758 |
| Memoranda: | ||
| Average total assets | $254,179,800 | 2,480 |
| Average earning assets | $240,655,600 | 2,399 |
| Average equity | $30,856,800 | 2,138 |
| Average total loans | $164,224,800 | 2,435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 5,477 |
| Cost of funding earning assets | 0.6811% | 5,869 |
| Net interest margin | 3.7546% | 4,090 |
| Noninterest income to average assets | 0.1065% | 6,719 |
| Noninterest expense to average assets | 1.4872% | 7,232 |
| Loan and lease loss provision to assets | 0.0791% | 5,457 |
| Net operating income to assets | 1.2422% | 1,537 |
| Return on assets (ROA) | 1.2422% | 1,640 |
| Pretax return on assets | 2.0959% | 524 |
| Return on Equity (ROE) | 10.2914% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.2914% | 768 |
| Net charge-offs to loans | 0.0502% | 5,480 |
| Credit loss provision to net charge-offs | 241.9355% | 1,185 |
| Earnings coverage of net charge-offs (x) | 66.5682% | 493 |
| Efficiency ratio | 40.6102% | 7,244 |
| Assets per employee ($millions) | 8.5573% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,647 |
| Loan loss allowance to noncurrent loans | 95.5661% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 4,535 |
| Noncurrent loans to loans | 1.6781% | 3,790 |
| Net loans and leases to total assets | 62.3299% | 3,644 |
| Net loans and leases to deposits | 71.6466% | 4,039 |
| Net loans and leases to core deposits | 72.7274% | 4,614 |
| Total domestic deposits to total assets | 86.9962% | 2,662 |
| Equity capital to assets | 12.3501% | 1,998 |
| Core capital (leverage) ratio | 12.3270% | 1,523 |
| Tier 1 risk-based capital ratio | 25.6978% | 860 |
| Total risk-based capital ratio | 26.9584% | 842 |
| Memoranda: | ||
| Average total assets | $252,991,250 | 2,501 |
| Average earning assets | $239,591,500 | 2,411 |
| Average equity | $30,536,000 | 2,166 |
| Average total loans | $164,531,250 | 2,449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 5,443 |
| Cost of funding earning assets | 0.6908% | 6,018 |
| Net interest margin | 3.7805% | 3,891 |
| Noninterest income to average assets | 0.1072% | 6,793 |
| Noninterest expense to average assets | 1.5627% | 7,274 |
| Loan and lease loss provision to assets | 0.0794% | 5,319 |
| Net operating income to assets | 1.2187% | 1,516 |
| Return on assets (ROA) | 1.2187% | 1,595 |
| Pretax return on assets | 2.0433% | 545 |
| Return on Equity (ROE) | 10.1770% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.1770% | 811 |
| Net charge-offs to loans | 0.0739% | 4,906 |
| Credit loss provision to net charge-offs | 163.9344% | 1,846 |
| Earnings coverage of net charge-offs (x) | 43.8033% | 693 |
| Efficiency ratio | 42.4014% | 7,290 |
| Assets per employee ($millions) | 8.2002% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 3,909 |
| Loan loss allowance to noncurrent loans | 166.8188% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 5,572 |
| Noncurrent loans to loans | 0.9284% | 5,111 |
| Net loans and leases to total assets | 63.9947% | 3,463 |
| Net loans and leases to deposits | 73.3280% | 3,896 |
| Net loans and leases to core deposits | 74.2511% | 4,547 |
| Total domestic deposits to total assets | 87.2718% | 2,588 |
| Equity capital to assets | 12.1598% | 1,991 |
| Core capital (leverage) ratio | 12.1412% | 1,534 |
| Tier 1 risk-based capital ratio | 24.5818% | 947 |
| Total risk-based capital ratio | 25.8413% | 928 |
| Memoranda: | ||
| Average total assets | $251,749,000 | 2,530 |
| Average earning assets | $238,272,670 | 2,439 |
| Average equity | $30,146,330 | 2,180 |
| Average total loans | $165,168,330 | 2,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 5,243 |
| Cost of funding earning assets | 0.6999% | 6,139 |
| Net interest margin | 3.8290% | 3,470 |
| Noninterest income to average assets | 0.1118% | 6,855 |
| Noninterest expense to average assets | 1.5408% | 7,344 |
| Loan and lease loss provision to assets | 0.0798% | 5,009 |
| Net operating income to assets | 1.2534% | 1,378 |
| Return on assets (ROA) | 1.2534% | 1,432 |
| Pretax return on assets | 2.1076% | 464 |
| Return on Equity (ROE) | 10.5497% | 1,894 |
| Retained earnings to average equity (ytd only) | 10.5497% | 982 |
| Net charge-offs to loans | 0.0969% | 3,973 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 755 |
| Efficiency ratio | 41.3276% | 7,365 |
| Assets per employee ($millions) | 8.0557% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 4,072 |
| Loan loss allowance to noncurrent loans | 192.5419% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 5,793 |
| Noncurrent loans to loans | 0.7929% | 5,447 |
| Net loans and leases to total assets | 65.3468% | 3,163 |
| Net loans and leases to deposits | 74.8394% | 3,623 |
| Net loans and leases to core deposits | 75.8679% | 4,317 |
| Total domestic deposits to total assets | 87.3161% | 2,755 |
| Equity capital to assets | 12.0760% | 1,874 |
| Core capital (leverage) ratio | 12.0589% | 1,529 |
| Tier 1 risk-based capital ratio | 23.9049% | 982 |
| Total risk-based capital ratio | 25.1642% | 961 |
| Memoranda: | ||
| Average total assets | $250,520,000 | 2,567 |
| Average earning assets | $236,618,000 | 2,476 |
| Average equity | $29,764,000 | 2,196 |
| Average total loans | $165,133,500 | 2,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 5,820 |
| Cost of funding earning assets | 0.9897% | 5,737 |
| Net interest margin | 3.7048% | 4,322 |
| Noninterest income to average assets | 0.1323% | 6,732 |
| Noninterest expense to average assets | 1.6185% | 7,397 |
| Loan and lease loss provision to assets | 0.2590% | 4,714 |
| Net operating income to assets | 1.0507% | 1,873 |
| Return on assets (ROA) | 1.0507% | 1,968 |
| Pretax return on assets | 1.7599% | 831 |
| Return on Equity (ROE) | 9.3845% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.3845% | 624 |
| Net charge-offs to loans | 0.0108% | 6,722 |
| Credit loss provision to net charge-offs | 3,611.1111% | 58 |
| Earnings coverage of net charge-offs (x) | 281.5000% | 79 |
| Efficiency ratio | 44.4956% | 7,399 |
| Assets per employee ($millions) | 7.8536% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,857 |
| Loan loss allowance to noncurrent loans | 186.5285% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 5,826 |
| Noncurrent loans to loans | 0.8210% | 5,408 |
| Net loans and leases to total assets | 64.4727% | 3,764 |
| Net loans and leases to deposits | 73.5710% | 4,263 |
| Net loans and leases to core deposits | 74.5523% | 4,905 |
| Total domestic deposits to total assets | 87.6334% | 2,460 |
| Equity capital to assets | 11.6870% | 2,138 |
| Core capital (leverage) ratio | 11.6702% | 1,745 |
| Tier 1 risk-based capital ratio | 23.4132% | 991 |
| Total risk-based capital ratio | 24.6724% | 969 |
| Memoranda: | ||
| Average total assets | $250,978,400 | 2,541 |
| Average earning assets | $237,449,000 | 2,452 |
| Average equity | $28,099,400 | 2,304 |
| Average total loans | $166,998,800 | 2,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 5,846 |
| Cost of funding earning assets | 1.0541% | 5,682 |
| Net interest margin | 3.6974% | 4,408 |
| Noninterest income to average assets | 0.1376% | 6,866 |
| Noninterest expense to average assets | 1.5714% | 7,519 |
| Loan and lease loss provision to assets | 0.0797% | 6,248 |
| Net operating income to assets | 1.1819% | 1,646 |
| Return on assets (ROA) | 1.1819% | 1,736 |
| Pretax return on assets | 1.9891% | 633 |
| Return on Equity (ROE) | 10.6735% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.6735% | 651 |
| Net charge-offs to loans | 0.0151% | 6,466 |
| Credit loss provision to net charge-offs | 789.4737% | 374 |
| Earnings coverage of net charge-offs (x) | 204.9167% | 157 |
| Efficiency ratio | 43.1679% | 7,492 |
| Assets per employee ($millions) | 7.9523% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,504 |
| Loan loss allowance to noncurrent loans | 149.5556% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,960 |
| Noncurrent loans to loans | 0.8015% | 5,615 |
| Net loans and leases to total assets | 65.3975% | 3,820 |
| Net loans and leases to deposits | 74.7961% | 4,379 |
| Net loans and leases to core deposits | 75.7118% | 5,091 |
| Total domestic deposits to total assets | 87.4344% | 2,299 |
| Equity capital to assets | 11.3804% | 2,617 |
| Core capital (leverage) ratio | 11.3634% | 2,034 |
| Tier 1 risk-based capital ratio | 22.4648% | 1,135 |
| Total risk-based capital ratio | 23.7190% | 1,106 |
| Memoranda: | ||
| Average total assets | $250,894,500 | 2,571 |
| Average earning assets | $237,676,500 | 2,492 |
| Average equity | $27,781,500 | 2,358 |
| Average total loans | $167,611,250 | 2,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 5,903 |
| Cost of funding earning assets | 1.1211% | 5,569 |
| Net interest margin | 3.6457% | 4,599 |
| Noninterest income to average assets | 0.1362% | 6,905 |
| Noninterest expense to average assets | 1.5490% | 7,594 |
| Loan and lease loss provision to assets | 0.0801% | 6,136 |
| Net operating income to assets | 1.1766% | 1,618 |
| Return on assets (ROA) | 1.1766% | 1,686 |
| Pretax return on assets | 1.9607% | 654 |
| Return on Equity (ROE) | 10.7271% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.7271% | 706 |
| Net charge-offs to loans | 0.0227% | 6,021 |
| Credit loss provision to net charge-offs | 526.3158% | 702 |
| Earnings coverage of net charge-offs (x) | 134.1053% | 252 |
| Efficiency ratio | 43.1504% | 7,548 |
| Assets per employee ($millions) | 8.1405% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,555 |
| Loan loss allowance to noncurrent loans | 183.6754% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 6,387 |
| Noncurrent loans to loans | 0.6426% | 5,970 |
| Net loans and leases to total assets | 65.3254% | 3,979 |
| Net loans and leases to deposits | 74.1261% | 4,659 |
| Net loans and leases to core deposits | 74.9600% | 5,326 |
| Total domestic deposits to total assets | 88.1274% | 1,940 |
| Equity capital to assets | 11.1795% | 2,705 |
| Core capital (leverage) ratio | 11.1598% | 2,129 |
| Tier 1 risk-based capital ratio | 22.1756% | 1,171 |
| Total risk-based capital ratio | 23.4295% | 1,149 |
| Memoranda: | ||
| Average total assets | $249,701,670 | 2,604 |
| Average earning assets | $236,553,670 | 2,525 |
| Average equity | $27,388,670 | 2,380 |
| Average total loans | $167,335,670 | 2,591 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 5,414 |
| Cost of funding earning assets | 1.1982% | 5,417 |
| Net interest margin | 3.7119% | 4,180 |
| Noninterest income to average assets | 0.1337% | 7,017 |
| Noninterest expense to average assets | 1.5750% | 7,674 |
| Loan and lease loss provision to assets | 0.0805% | 5,837 |
| Net operating income to assets | 1.1998% | 1,543 |
| Return on assets (ROA) | 1.1998% | 1,618 |
| Pretax return on assets | 1.9954% | 611 |
| Return on Equity (ROE) | 11.0464% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.0464% | 914 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1407% | 7,645 |
| Assets per employee ($millions) | 8.1039% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,717 |
| Loan loss allowance to noncurrent loans | 162.1757% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 6,286 |
| Noncurrent loans to loans | 0.7151% | 5,899 |
| Net loans and leases to total assets | 65.7478% | 3,919 |
| Net loans and leases to deposits | 74.6879% | 4,640 |
| Net loans and leases to core deposits | 75.4249% | 5,340 |
| Total domestic deposits to total assets | 88.0301% | 2,043 |
| Equity capital to assets | 10.9357% | 2,819 |
| Core capital (leverage) ratio | 10.9212% | 2,279 |
| Tier 1 risk-based capital ratio | 21.5746% | 1,257 |
| Total risk-based capital ratio | 22.8283% | 1,237 |
| Memoranda: | ||
| Average total assets | $248,375,000 | 2,670 |
| Average earning assets | $235,352,000 | 2,587 |
| Average equity | $26,977,000 | 2,438 |
| Average total loans | $167,593,000 | 2,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 5,708 |
| Cost of funding earning assets | 1.7953% | 4,015 |
| Net interest margin | 3.3922% | 5,398 |
| Noninterest income to average assets | 0.1269% | 7,115 |
| Noninterest expense to average assets | 1.7122% | 7,689 |
| Loan and lease loss provision to assets | 0.1681% | 6,007 |
| Net operating income to assets | 0.8817% | 2,237 |
| Return on assets (ROA) | 0.8817% | 2,304 |
| Pretax return on assets | 1.4731% | 1,256 |
| Return on Equity (ROE) | 8.0893% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.0893% | 672 |
| Net charge-offs to loans | 0.0024% | 7,218 |
| Credit loss provision to net charge-offs | 10,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 976.2500% | 24 |
| Efficiency ratio | 51.0590% | 7,469 |
| Assets per employee ($millions) | 7.9203% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,790 |
| Loan loss allowance to noncurrent loans | 146.4701% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 6,140 |
| Noncurrent loans to loans | 0.7669% | 5,735 |
| Net loans and leases to total assets | 67.6856% | 3,778 |
| Net loans and leases to deposits | 76.4029% | 4,669 |
| Net loans and leases to core deposits | 91.5701% | 4,942 |
| Total domestic deposits to total assets | 88.5903% | 1,680 |
| Equity capital to assets | 10.7853% | 2,885 |
| Core capital (leverage) ratio | 10.7795% | 2,361 |
| Tier 1 risk-based capital ratio | 20.9152% | 1,310 |
| Total risk-based capital ratio | 22.1680% | 1,276 |
| Memoranda: | ||
| Average total assets | $237,940,000 | 2,734 |
| Average earning assets | $226,315,400 | 2,633 |
| Average equity | $25,935,600 | 2,535 |
| Average total loans | $168,617,000 | 2,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2431% | 5,712 |
| Cost of funding earning assets | 1.9311% | 3,711 |
| Net interest margin | 3.3120% | 5,599 |
| Noninterest income to average assets | 0.1277% | 7,246 |
| Noninterest expense to average assets | 1.5929% | 7,839 |
| Loan and lease loss provision to assets | 0.0424% | 6,945 |
| Net operating income to assets | 0.9766% | 2,143 |
| Return on assets (ROA) | 0.9766% | 2,198 |
| Pretax return on assets | 1.6477% | 1,076 |
| Return on Equity (ROE) | 8.9355% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.9355% | 857 |
| Net charge-offs to loans | 0.0008% | 6,983 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 2,999.4211% | 3 |
| Efficiency ratio | 48.5203% | 7,646 |
| Assets per employee ($millions) | 7.5561% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 6,624 |
| Loan loss allowance to noncurrent loans | 118.9970% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 6,096 |
| Noncurrent loans to loans | 0.7844% | 5,731 |
| Net loans and leases to total assets | 68.7370% | 3,787 |
| Net loans and leases to deposits | 77.5601% | 4,811 |
| Net loans and leases to core deposits | 93.2279% | 5,103 |
| Total domestic deposits to total assets | 88.6242% | 1,378 |
| Equity capital to assets | 11.0425% | 2,976 |
| Core capital (leverage) ratio | 11.0381% | 2,378 |
| Tier 1 risk-based capital ratio | 21.2987% | 1,327 |
| Total risk-based capital ratio | 22.5486% | 1,301 |
| Memoranda: | ||
| Average total assets | $236,043,000 | 2,769 |
| Average earning assets | $224,873,750 | 2,677 |
| Average equity | $25,799,250 | 2,567 |
| Average total loans | $168,752,500 | 2,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 5,581 |
| Cost of funding earning assets | 2.1102% | 3,220 |
| Net interest margin | 3.2066% | 5,893 |
| Noninterest income to average assets | 0.1290% | 7,316 |
| Noninterest expense to average assets | 1.4966% | 7,971 |
| Loan and lease loss provision to assets | 0.0427% | 6,806 |
| Net operating income to assets | 0.9798% | 2,178 |
| Return on assets (ROA) | 0.9798% | 2,272 |
| Pretax return on assets | 1.6427% | 1,124 |
| Return on Equity (ROE) | 8.9964% | 2,362 |
| Retained earnings to average equity (ytd only) | 8.9964% | 940 |
| Net charge-offs to loans | 0.0012% | 6,616 |
| Credit loss provision to net charge-offs | 5,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,973.0000% | 10 |
| Efficiency ratio | 47.0336% | 7,802 |
| Assets per employee ($millions) | 7.4708% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,689 |
| Loan loss allowance to noncurrent loans | 135.1754% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 6,246 |
| Noncurrent loans to loans | 0.6799% | 5,888 |
| Net loans and leases to total assets | 69.4888% | 3,819 |
| Net loans and leases to deposits | 78.2036% | 4,834 |
| Net loans and leases to core deposits | 94.0759% | 5,112 |
| Total domestic deposits to total assets | 88.8562% | 1,345 |
| Equity capital to assets | 10.9271% | 2,991 |
| Core capital (leverage) ratio | 10.9212% | 2,468 |
| Tier 1 risk-based capital ratio | 21.0018% | 1,393 |
| Total risk-based capital ratio | 22.2415% | 1,369 |
| Memoranda: | ||
| Average total assets | $234,126,000 | 2,816 |
| Average earning assets | $222,916,000 | 2,711 |
| Average equity | $25,499,000 | 2,600 |
| Average total loans | $169,080,670 | 2,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 5,591 |
| Cost of funding earning assets | 2.2810% | 2,788 |
| Net interest margin | 3.0848% | 6,240 |
| Noninterest income to average assets | 0.1330% | 7,337 |
| Noninterest expense to average assets | 1.4608% | 8,011 |
| Loan and lease loss provision to assets | 0.0432% | 6,432 |
| Net operating income to assets | 0.9238% | 2,599 |
| Return on assets (ROA) | 0.9238% | 2,737 |
| Pretax return on assets | 1.5644% | 1,495 |
| Return on Equity (ROE) | 8.4964% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.4964% | 1,633 |
| Net charge-offs to loans | 0.0024% | 5,707 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 931.0000% | 13 |
| Efficiency ratio | 47.6083% | 7,748 |
| Assets per employee ($millions) | 7.6029% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 6,787 |
| Loan loss allowance to noncurrent loans | 132.9825% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 6,031 |
| Noncurrent loans to loans | 0.6708% | 5,732 |
| Net loans and leases to total assets | 71.4622% | 3,362 |
| Net loans and leases to deposits | 80.3728% | 4,552 |
| Net loans and leases to core deposits | 97.0610% | 4,841 |
| Total domestic deposits to total assets | 88.9135% | 1,265 |
| Equity capital to assets | 10.8074% | 3,176 |
| Core capital (leverage) ratio | 10.8161% | 2,644 |
| Tier 1 risk-based capital ratio | 20.5635% | 1,512 |
| Total risk-based capital ratio | 21.7864% | 1,490 |
| Memoranda: | ||
| Average total assets | $231,656,000 | 2,859 |
| Average earning assets | $220,433,500 | 2,757 |
| Average equity | $25,187,000 | 2,631 |
| Average total loans | $169,788,500 | 2,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 6,505 |
| Cost of funding earning assets | 2.6050% | 3,666 |
| Net interest margin | 3.1742% | 6,452 |
| Noninterest income to average assets | 0.1651% | 7,242 |
| Noninterest expense to average assets | 1.6017% | 7,961 |
| Loan and lease loss provision to assets | 0.1597% | 5,338 |
| Net operating income to assets | 0.8494% | 3,224 |
| Return on assets (ROA) | 0.8494% | 3,061 |
| Pretax return on assets | 1.4160% | 1,923 |
| Return on Equity (ROE) | 7.7377% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.7377% | 921 |
| Net charge-offs to loans | 0.0012% | 7,022 |
| Credit loss provision to net charge-offs | 17,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,727.0000% | 16 |
| Efficiency ratio | 50.4092% | 7,630 |
| Assets per employee ($millions) | 7.1132% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,777 |
| Loan loss allowance to noncurrent loans | 130.9921% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,699 |
| Noncurrent loans to loans | 0.6715% | 5,353 |
| Net loans and leases to total assets | 73.8680% | 3,136 |
| Net loans and leases to deposits | 83.2474% | 4,533 |
| Net loans and leases to core deposits | 100.4367% | 4,783 |
| Total domestic deposits to total assets | 88.7330% | 1,132 |
| Equity capital to assets | 10.9401% | 3,090 |
| Core capital (leverage) ratio | 10.9619% | 2,621 |
| Tier 1 risk-based capital ratio | 20.1797% | 1,588 |
| Total risk-based capital ratio | 21.3860% | 1,561 |
| Memoranda: | ||
| Average total assets | $219,209,600 | 2,881 |
| Average earning assets | $208,020,200 | 2,801 |
| Average equity | $24,064,000 | 2,725 |
| Average total loans | $167,829,600 | 2,646 |