Home > Middlesex Federal Savings, F.A. > Performance and Condition Ratios
Middlesex Federal Savings, F.A., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 3,786 |
| Cost of funding earning assets | 0.8283% | 4,155 |
| Net interest margin | 3.7478% | 1,590 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.8956% | 1,324 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.6705% | 3,049 |
| Return on assets (ROA) | 0.6723% | 3,078 |
| Pretax return on assets | 0.8937% | 2,821 |
| Return on Equity (ROE) | 9.2200% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.2186% | 746 |
| Net charge-offs to loans | -0.0034% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.6021% | 1,407 |
| Assets per employee ($millions) | 8.8922% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,234 |
| Loan loss allowance to noncurrent loans | 2,014.1892% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,340 |
| Noncurrent loans to loans | 0.0590% | 3,349 |
| Net loans and leases to total assets | 78.5100% | 837 |
| Net loans and leases to deposits | 86.1368% | 1,581 |
| Net loans and leases to core deposits | 90.3547% | 2,087 |
| Total domestic deposits to total assets | 91.1400% | 474 |
| Equity capital to assets | 7.8217% | 3,614 |
| Core capital (leverage) ratio | 9.2357% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3032% | 1,760 |
| Memoranda: | ||
| Average total assets | $639,619,400 | 1,451 |
| Average earning assets | $609,418,000 | 1,413 |
| Average equity | $46,645,000 | 1,792 |
| Average total loans | $493,636,600 | 1,308 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,818 |
| Cost of funding earning assets | 0.8019% | 4,197 |
| Net interest margin | 3.7086% | 1,625 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 2.9060% | 1,240 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.6415% | 3,114 |
| Return on assets (ROA) | 0.6599% | 3,098 |
| Pretax return on assets | 0.8677% | 2,884 |
| Return on Equity (ROE) | 9.2100% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.2134% | 1,058 |
| Net charge-offs to loans | -0.0052% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 76.5308% | 1,354 |
| Assets per employee ($millions) | 8.8555% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,271 |
| Loan loss allowance to noncurrent loans | 440.6755% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,405 |
| Noncurrent loans to loans | 0.2697% | 2,477 |
| Net loans and leases to total assets | 77.1800% | 974 |
| Net loans and leases to deposits | 85.6795% | 1,670 |
| Net loans and leases to core deposits | 89.8111% | 2,159 |
| Total domestic deposits to total assets | 90.0900% | 566 |
| Equity capital to assets | 7.5769% | 3,933 |
| Core capital (leverage) ratio | 9.1189% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9809% | 1,897 |
| Memoranda: | ||
| Average total assets | $641,688,250 | 1,434 |
| Average earning assets | $612,182,500 | 1,402 |
| Average equity | $45,960,750 | 1,813 |
| Average total loans | $491,645,250 | 1,304 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 3,799 |
| Cost of funding earning assets | 0.7629% | 4,214 |
| Net interest margin | 3.7248% | 1,548 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 2.8920% | 1,272 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6515% | 3,061 |
| Return on assets (ROA) | 0.6271% | 3,157 |
| Pretax return on assets | 0.8277% | 2,934 |
| Return on Equity (ROE) | 8.9300% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.9291% | 1,117 |
| Net charge-offs to loans | 0.0008% | 2,586 |
| Credit loss provision to net charge-offs | 9,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,449.0000% | 69 |
| Efficiency ratio | 76.1560% | 1,447 |
| Assets per employee ($millions) | 8.8107% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,338 |
| Loan loss allowance to noncurrent loans | 15,378.9474% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,763 |
| Noncurrent loans to loans | 0.0077% | 3,731 |
| Net loans and leases to total assets | 77.0000% | 1,033 |
| Net loans and leases to deposits | 83.5423% | 1,885 |
| Net loans and leases to core deposits | 87.4648% | 2,312 |
| Total domestic deposits to total assets | 92.1700% | 246 |
| Equity capital to assets | 7.2326% | 3,847 |
| Core capital (leverage) ratio | 8.9152% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9626% | 1,905 |
| Memoranda: | ||
| Average total assets | $640,100,667 | 1,441 |
| Average earning assets | $610,564,000 | 1,399 |
| Average equity | $44,954,000 | 1,823 |
| Average total loans | $487,205,667 | 1,318 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 3,746 |
| Cost of funding earning assets | 0.7456% | 4,216 |
| Net interest margin | 3.7104% | 1,516 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.8113% | 1,434 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.7116% | 2,806 |
| Return on assets (ROA) | 0.6831% | 2,915 |
| Pretax return on assets | 0.9052% | 2,652 |
| Return on Equity (ROE) | 9.8700% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.8718% | 1,138 |
| Net charge-offs to loans | 0.0008% | 2,208 |
| Credit loss provision to net charge-offs | 12,200.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,588.0000% | 47 |
| Efficiency ratio | 73.9971% | 1,745 |
| Assets per employee ($millions) | 8.9374% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,347 |
| Loan loss allowance to noncurrent loans | 14,812.8205% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,788 |
| Noncurrent loans to loans | 0.0080% | 3,741 |
| Net loans and leases to total assets | 74.7200% | 1,248 |
| Net loans and leases to deposits | 80.8717% | 1,988 |
| Net loans and leases to core deposits | 84.3749% | 2,416 |
| Total domestic deposits to total assets | 92.4000% | 271 |
| Equity capital to assets | 6.9652% | 3,914 |
| Core capital (leverage) ratio | 8.6856% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9857% | 1,889 |
| Memoranda: | ||
| Average total assets | $642,967,500 | 1,436 |
| Average earning assets | $614,276,000 | 1,396 |
| Average equity | $44,490,500 | 1,823 |
| Average total loans | $483,645,500 | 1,319 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 3,455 |
| Cost of funding earning assets | 0.6402% | 4,015 |
| Net interest margin | 3.6502% | 1,861 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.5414% | 2,185 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7841% | 2,922 |
| Return on assets (ROA) | 0.7454% | 3,043 |
| Pretax return on assets | 1.0079% | 2,665 |
| Return on Equity (ROE) | 11.6100% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.6121% | 682 |
| Net charge-offs to loans | 0.0223% | 1,881 |
| Credit loss provision to net charge-offs | 671.0280% | 543 |
| Earnings coverage of net charge-offs (x) | 69.5234% | 1,097 |
| Efficiency ratio | 68.4240% | 2,058 |
| Assets per employee ($millions) | 9.3107% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,430 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.9400% | 1,372 |
| Net loans and leases to deposits | 80.0187% | 2,105 |
| Net loans and leases to core deposits | 83.8420% | 2,465 |
| Total domestic deposits to total assets | 92.4000% | 245 |
| Equity capital to assets | 6.8738% | 3,983 |
| Core capital (leverage) ratio | 8.4460% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8897% | 1,901 |
| Memoranda: | ||
| Average total assets | $634,306,200 | 1,409 |
| Average earning assets | $609,530,600 | 1,364 |
| Average equity | $40,716,200 | 1,865 |
| Average total loans | $479,283,800 | 1,279 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 3,426 |
| Cost of funding earning assets | 0.6032% | 3,964 |
| Net interest margin | 3.6217% | 1,943 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.5566% | 2,064 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.7355% | 3,217 |
| Return on assets (ROA) | 0.7012% | 3,303 |
| Pretax return on assets | 0.9420% | 2,999 |
| Return on Equity (ROE) | 11.1200% | 2,344 |
| Retained earnings to average equity (ytd only) | 11.1233% | 1,142 |
| Net charge-offs to loans | 0.0014% | 2,555 |
| Credit loss provision to net charge-offs | 14,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,071.6000% | 144 |
| Efficiency ratio | 69.3513% | 1,861 |
| Assets per employee ($millions) | 9.3870% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,434 |
| Loan loss allowance to noncurrent loans | 2,834.9754% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,494 |
| Noncurrent loans to loans | 0.0419% | 3,462 |
| Net loans and leases to total assets | 74.0000% | 1,341 |
| Net loans and leases to deposits | 79.5341% | 2,091 |
| Net loans and leases to core deposits | 83.2649% | 2,373 |
| Total domestic deposits to total assets | 93.0400% | 290 |
| Equity capital to assets | 6.2112% | 3,918 |
| Core capital (leverage) ratio | 8.3368% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4345% | 2,102 |
| Memoranda: | ||
| Average total assets | $632,272,750 | 1,408 |
| Average earning assets | $608,496,250 | 1,363 |
| Average equity | $39,855,250 | 1,876 |
| Average total loans | $478,939,000 | 1,274 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,410 |
| Cost of funding earning assets | 0.5681% | 3,837 |
| Net interest margin | 3.5741% | 2,090 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5504% | 2,067 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7100% | 3,327 |
| Return on assets (ROA) | 0.7105% | 3,322 |
| Pretax return on assets | 0.9564% | 3,028 |
| Return on Equity (ROE) | 11.2200% | 2,368 |
| Retained earnings to average equity (ytd only) | 11.2156% | 1,145 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8794% | 1,770 |
| Assets per employee ($millions) | 9.5613% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,749 |
| Loan loss allowance to noncurrent loans | 2,294.5833% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,411 |
| Noncurrent loans to loans | 0.0497% | 3,355 |
| Net loans and leases to total assets | 73.3700% | 1,360 |
| Net loans and leases to deposits | 78.8577% | 2,057 |
| Net loans and leases to core deposits | 82.3754% | 2,305 |
| Total domestic deposits to total assets | 93.0400% | 248 |
| Equity capital to assets | 6.2733% | 4,074 |
| Core capital (leverage) ratio | 8.3117% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2591% | 2,192 |
| Memoranda: | ||
| Average total assets | $627,129,333 | 1,418 |
| Average earning assets | $603,793,333 | 1,372 |
| Average equity | $39,730,333 | 1,888 |
| Average total loans | $476,909,333 | 1,261 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 3,181 |
| Cost of funding earning assets | 0.5396% | 3,566 |
| Net interest margin | 3.5930% | 2,149 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.5952% | 1,965 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6872% | 3,503 |
| Return on assets (ROA) | 0.7251% | 3,366 |
| Pretax return on assets | 0.9779% | 3,061 |
| Return on Equity (ROE) | 11.3900% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.3872% | 1,379 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3214% | 1,600 |
| Assets per employee ($millions) | 9.3233% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,090 |
| Loan loss allowance to noncurrent loans | 839.2283% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 2,834 |
| Noncurrent loans to loans | 0.1303% | 2,858 |
| Net loans and leases to total assets | 75.5600% | 1,016 |
| Net loans and leases to deposits | 81.5749% | 1,694 |
| Net loans and leases to core deposits | 85.1260% | 1,920 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 6.4421% | 4,050 |
| Core capital (leverage) ratio | 8.4010% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3839% | 2,227 |
| Memoranda: | ||
| Average total assets | $615,609,000 | 1,461 |
| Average earning assets | $592,267,500 | 1,417 |
| Average equity | $39,202,000 | 1,929 |
| Average total loans | $474,100,000 | 1,279 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 2,738 |
| Cost of funding earning assets | 0.3282% | 2,653 |
| Net interest margin | 3.2920% | 2,583 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.7536% | 1,430 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.3918% | 4,251 |
| Return on assets (ROA) | 0.3979% | 4,209 |
| Pretax return on assets | 0.5243% | 4,144 |
| Return on Equity (ROE) | 5.8700% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,690 |
| Net charge-offs to loans | -0.0073% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.1877% | 704 |
| Assets per employee ($millions) | 8.4244% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 2,489 |
| Loan loss allowance to noncurrent loans | 55.1543% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.6617% | 174 |
| Noncurrent loans to loans | 2.1399% | 249 |
| Net loans and leases to total assets | 76.7300% | 928 |
| Net loans and leases to deposits | 82.8862% | 1,547 |
| Net loans and leases to core deposits | 86.4674% | 1,715 |
| Total domestic deposits to total assets | 92.5800% | 498 |
| Equity capital to assets | 6.2917% | 3,980 |
| Core capital (leverage) ratio | 8.3704% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4267% | 2,192 |
| Memoranda: | ||
| Average total assets | $571,044,400 | 1,558 |
| Average earning assets | $547,203,000 | 1,511 |
| Average equity | $38,693,400 | 1,967 |
| Average total loans | $426,096,400 | 1,322 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 2,670 |
| Cost of funding earning assets | 0.2927% | 2,247 |
| Net interest margin | 3.1905% | 2,652 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.7135% | 1,443 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.3684% | 4,291 |
| Return on assets (ROA) | 0.3688% | 4,236 |
| Pretax return on assets | 0.4841% | 4,170 |
| Return on Equity (ROE) | 5.3400% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.3399% | 2,982 |
| Net charge-offs to loans | -0.0016% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7798% | 660 |
| Assets per employee ($millions) | 8.0072% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,917 |
| Loan loss allowance to noncurrent loans | 834.6405% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,919 |
| Noncurrent loans to loans | 0.1343% | 2,964 |
| Net loans and leases to total assets | 77.0900% | 791 |
| Net loans and leases to deposits | 83.1361% | 1,357 |
| Net loans and leases to core deposits | 85.6279% | 1,543 |
| Total domestic deposits to total assets | 92.7300% | 652 |
| Equity capital to assets | 6.0151% | 3,959 |
| Core capital (leverage) ratio | 8.5851% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6712% | 2,186 |
| Memoranda: | ||
| Average total assets | $562,166,000 | 1,587 |
| Average earning assets | $538,337,750 | 1,541 |
| Average equity | $38,826,000 | 1,991 |
| Average total loans | $414,870,500 | 1,343 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 2,562 |
| Cost of funding earning assets | 0.2806% | 1,897 |
| Net interest margin | 3.0722% | 2,643 |
| Noninterest income to average assets | 0.2737% | 3,526 |
| Noninterest expense to average assets | 2.7459% | 1,281 |
| Loan and lease loss provision to assets | 0.0270% | 2,107 |
| Net operating income to assets | 0.3304% | 4,234 |
| Return on assets (ROA) | 0.4110% | 4,036 |
| Pretax return on assets | 0.5441% | 3,933 |
| Return on Equity (ROE) | 5.6932% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.6932% | 2,437 |
| Net charge-offs to loans | -0.0020% | 3,130 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4099% | 600 |
| Assets per employee ($millions) | 8.0478% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.6645% | 1,144 |
| Net loans and leases to deposits | 77.7330% | 1,560 |
| Net loans and leases to core deposits | 80.2454% | 1,700 |
| Total domestic deposits to total assets | 92.1931% | 762 |
| Equity capital to assets | 6.6504% | 3,953 |
| Core capital (leverage) ratio | 8.8529% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9527% | 1,717 |
| Memoranda: | ||
| Average total assets | $554,712,667 | 1,611 |
| Average earning assets | $531,091,000 | 1,580 |
| Average equity | $40,048,000 | 1,989 |
| Average total loans | $401,244,667 | 1,373 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 2,410 |
| Cost of funding earning assets | 0.2668% | 1,958 |
| Net interest margin | 3.0242% | 2,427 |
| Noninterest income to average assets | 0.2526% | 3,635 |
| Noninterest expense to average assets | 2.8003% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2420% | 4,255 |
| Return on assets (ROA) | 0.5520% | 3,526 |
| Pretax return on assets | 0.7409% | 3,273 |
| Return on Equity (ROE) | 7.3432% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.3432% | 1,787 |
| Net charge-offs to loans | -0.0020% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9328% | 597 |
| Assets per employee ($millions) | 7.5996% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,041 |
| Loan loss allowance to noncurrent loans | 1,328.0347% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,430 |
| Noncurrent loans to loans | 0.0876% | 3,401 |
| Net loans and leases to total assets | 71.3776% | 888 |
| Net loans and leases to deposits | 77.9577% | 1,291 |
| Net loans and leases to core deposits | 81.4924% | 1,381 |
| Total domestic deposits to total assets | 91.5593% | 772 |
| Equity capital to assets | 7.2571% | 4,066 |
| Core capital (leverage) ratio | 8.9417% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6052% | 1,615 |
| Memoranda: | ||
| Average total assets | $546,373,000 | 1,645 |
| Average earning assets | $523,251,500 | 1,606 |
| Average equity | $41,072,000 | 2,016 |
| Average total loans | $394,788,500 | 1,382 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 2,204 |
| Cost of funding earning assets | 0.5469% | 726 |
| Net interest margin | 3.1187% | 2,845 |
| Noninterest income to average assets | 0.1477% | 4,414 |
| Noninterest expense to average assets | 2.6830% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2933% | 4,427 |
| Return on assets (ROA) | 0.6391% | 3,831 |
| Pretax return on assets | 0.8657% | 3,582 |
| Return on Equity (ROE) | 9.0430% | 2,897 |
| Retained earnings to average equity (ytd only) | 9.0430% | 1,187 |
| Net charge-offs to loans | -0.0015% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2402% | 464 |
| Assets per employee ($millions) | 7.7939% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,293.8028% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,519 |
| Noncurrent loans to loans | 0.0900% | 3,477 |
| Net loans and leases to total assets | 71.4534% | 885 |
| Net loans and leases to deposits | 78.5239% | 1,352 |
| Net loans and leases to core deposits | 82.5696% | 1,417 |
| Total domestic deposits to total assets | 90.9957% | 493 |
| Equity capital to assets | 7.7780% | 4,477 |
| Core capital (leverage) ratio | 8.5036% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5485% | 1,672 |
| Memoranda: | ||
| Average total assets | $575,370,600 | 1,499 |
| Average earning assets | $546,701,800 | 1,476 |
| Average equity | $40,661,200 | 2,062 |
| Average total loans | $392,844,800 | 1,400 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 2,221 |
| Cost of funding earning assets | 0.4890% | 1,106 |
| Net interest margin | 3.2304% | 2,633 |
| Noninterest income to average assets | 0.1457% | 4,470 |
| Noninterest expense to average assets | 2.6043% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4278% | 4,328 |
| Return on assets (ROA) | 0.7350% | 3,748 |
| Pretax return on assets | 0.9935% | 3,480 |
| Return on Equity (ROE) | 10.6517% | 2,500 |
| Retained earnings to average equity (ytd only) | 10.6517% | 1,136 |
| Net charge-offs to loans | -0.0014% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1578% | 692 |
| Assets per employee ($millions) | 8.0911% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,243 |
| Loan loss allowance to noncurrent loans | 1,271.7452% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,694 |
| Noncurrent loans to loans | 0.0898% | 3,631 |
| Net loans and leases to total assets | 69.1621% | 1,172 |
| Net loans and leases to deposits | 80.6673% | 1,224 |
| Net loans and leases to core deposits | 85.0320% | 1,350 |
| Total domestic deposits to total assets | 85.7375% | 2,854 |
| Equity capital to assets | 7.3458% | 4,747 |
| Core capital (leverage) ratio | 6.6097% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5671% | 1,775 |
| Memoranda: | ||
| Average total assets | $582,819,750 | 1,504 |
| Average earning assets | $552,660,000 | 1,486 |
| Average equity | $40,217,750 | 2,101 |
| Average total loans | $392,450,000 | 1,430 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 3,871 |
| Cost of funding earning assets | 0.5332% | 1,019 |
| Net interest margin | 2.5655% | 4,223 |
| Noninterest income to average assets | 0.1574% | 4,408 |
| Noninterest expense to average assets | 2.5761% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0100% | 4,775 |
| Return on assets (ROA) | 0.4214% | 4,388 |
| Pretax return on assets | 0.5512% | 4,311 |
| Return on Equity (ROE) | 6.2390% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.2390% | 2,712 |
| Net charge-offs to loans | -0.0010% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8015% | 168 |
| Assets per employee ($millions) | 11.1280% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,400 |
| Loan loss allowance to noncurrent loans | 722.6772% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,600 |
| Noncurrent loans to loans | 0.1525% | 3,438 |
| Net loans and leases to total assets | 58.7236% | 2,577 |
| Net loans and leases to deposits | 66.4800% | 2,781 |
| Net loans and leases to core deposits | 69.5378% | 2,823 |
| Total domestic deposits to total assets | 88.3326% | 1,656 |
| Equity capital to assets | 5.7592% | 4,928 |
| Core capital (leverage) ratio | 7.0190% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5774% | 1,777 |
| Memoranda: | ||
| Average total assets | $585,604,333 | 1,488 |
| Average earning assets | $553,266,667 | 1,476 |
| Average equity | $39,557,333 | 2,114 |
| Average total loans | $389,298,667 | 1,440 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 3,326 |
| Cost of funding earning assets | 0.5866% | 930 |
| Net interest margin | 2.7686% | 3,834 |
| Noninterest income to average assets | 0.1425% | 4,492 |
| Noninterest expense to average assets | 2.7135% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0039% | 4,771 |
| Return on assets (ROA) | 0.1440% | 4,695 |
| Pretax return on assets | 0.1667% | 4,690 |
| Return on Equity (ROE) | 1.9414% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.9414% | 4,020 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8606% | 191 |
| Assets per employee ($millions) | 10.1675% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,954 |
| Loan loss allowance to noncurrent loans | 1,191.4286% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,921 |
| Noncurrent loans to loans | 0.1004% | 3,803 |
| Net loans and leases to total assets | 63.1706% | 2,147 |
| Net loans and leases to deposits | 74.1768% | 2,098 |
| Net loans and leases to core deposits | 131.4997% | 135 |
| Total domestic deposits to total assets | 85.1622% | 3,039 |
| Equity capital to assets | 6.5418% | 4,902 |
| Core capital (leverage) ratio | 8.8681% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3420% | 1,798 |
| Memoranda: | ||
| Average total assets | $527,873,500 | 1,611 |
| Average earning assets | $490,941,000 | 1,613 |
| Average equity | $39,148,000 | 2,120 |
| Average total loans | $375,808,000 | 1,473 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,018 |
| Cost of funding earning assets | 1.0421% | 505 |
| Net interest margin | 3.2015% | 3,363 |
| Noninterest income to average assets | 0.2596% | 3,927 |
| Noninterest expense to average assets | 2.8667% | 1,767 |
| Loan and lease loss provision to assets | 0.0550% | 3,683 |
| Net operating income to assets | 0.2794% | 4,463 |
| Return on assets (ROA) | 0.2675% | 4,545 |
| Pretax return on assets | 0.3426% | 4,499 |
| Return on Equity (ROE) | 3.1269% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.1269% | 3,274 |
| Net charge-offs to loans | -0.0016% | 3,970 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4169% | 470 |
| Assets per employee ($millions) | 7.8550% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,158.0808% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,891 |
| Noncurrent loans to loans | 0.1076% | 3,861 |
| Net loans and leases to total assets | 79.7854% | 445 |
| Net loans and leases to deposits | 102.3500% | 304 |
| Net loans and leases to core deposits | 141.1817% | 113 |
| Total domestic deposits to total assets | 77.9535% | 4,324 |
| Equity capital to assets | 8.7214% | 4,277 |
| Core capital (leverage) ratio | 9.4362% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1935% | 1,782 |
| Memoranda: | ||
| Average total assets | $454,151,600 | 1,685 |
| Average earning assets | $428,359,200 | 1,667 |
| Average equity | $38,856,400 | 2,065 |
| Average total loans | $372,160,000 | 1,438 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 2,175 |
| Cost of funding earning assets | 1.1335% | 467 |
| Net interest margin | 3.1428% | 3,637 |
| Noninterest income to average assets | 0.2591% | 3,924 |
| Noninterest expense to average assets | 2.8277% | 1,893 |
| Loan and lease loss provision to assets | 0.0441% | 3,806 |
| Net operating income to assets | 0.2774% | 4,480 |
| Return on assets (ROA) | 0.1437% | 4,684 |
| Pretax return on assets | 0.1828% | 4,669 |
| Return on Equity (ROE) | 1.6875% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.6875% | 4,035 |
| Net charge-offs to loans | -0.0011% | 3,819 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7142% | 428 |
| Assets per employee ($millions) | 7.9574% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,733 |
| Loan loss allowance to noncurrent loans | 416.3417% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,273 |
| Noncurrent loans to loans | 0.2853% | 3,264 |
| Net loans and leases to total assets | 80.8161% | 539 |
| Net loans and leases to deposits | 108.2131% | 264 |
| Net loans and leases to core deposits | 143.0990% | 148 |
| Total domestic deposits to total assets | 74.6824% | 4,529 |
| Equity capital to assets | 8.4521% | 4,486 |
| Core capital (leverage) ratio | 9.3024% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4010% | 2,033 |
| Memoranda: | ||
| Average total assets | $453,791,750 | 1,665 |
| Average earning assets | $428,055,000 | 1,641 |
| Average equity | $38,637,000 | 2,061 |
| Average total loans | $373,179,750 | 1,433 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,492 |
| Cost of funding earning assets | 1.2445% | 438 |
| Net interest margin | 3.0482% | 4,019 |
| Noninterest income to average assets | 0.2136% | 4,211 |
| Noninterest expense to average assets | 2.7898% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2365% | 4,525 |
| Return on assets (ROA) | -0.0412% | 4,811 |
| Pretax return on assets | -0.0527% | 4,811 |
| Return on Equity (ROE) | -0.4830% | 4,821 |
| Retained earnings to average equity (ytd only) | -0.4830% | 4,401 |
| Net charge-offs to loans | -0.0011% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3272% | 379 |
| Assets per employee ($millions) | 7.6422% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,785 |
| Loan loss allowance to noncurrent loans | 520.0480% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,620 |
| Noncurrent loans to loans | 0.2209% | 3,589 |
| Net loans and leases to total assets | 81.3034% | 470 |
| Net loans and leases to deposits | 112.5824% | 183 |
| Net loans and leases to core deposits | 144.9976% | 134 |
| Total domestic deposits to total assets | 72.2168% | 4,698 |
| Equity capital to assets | 8.3802% | 4,544 |
| Core capital (leverage) ratio | 9.3781% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2705% | 2,077 |
| Memoranda: | ||
| Average total assets | $451,213,000 | 1,652 |
| Average earning assets | $425,561,000 | 1,631 |
| Average equity | $38,513,000 | 2,058 |
| Average total loans | $371,748,667 | 1,424 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,845 |
| Cost of funding earning assets | 1.4182% | 363 |
| Net interest margin | 2.9065% | 4,425 |
| Noninterest income to average assets | 0.2261% | 4,194 |
| Noninterest expense to average assets | 2.7447% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1935% | 4,537 |
| Return on assets (ROA) | -0.3798% | 4,881 |
| Pretax return on assets | -0.5005% | 4,890 |
| Return on Equity (ROE) | -4.4091% | 4,904 |
| Retained earnings to average equity (ytd only) | -4.4091% | 4,472 |
| Net charge-offs to loans | -0.0022% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4165% | 414 |
| Assets per employee ($millions) | 7.4764% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,826 |
| Loan loss allowance to noncurrent loans | 971.3004% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,119 |
| Noncurrent loans to loans | 0.1204% | 4,040 |
| Net loans and leases to total assets | 81.5988% | 487 |
| Net loans and leases to deposits | 119.9184% | 80 |
| Net loans and leases to core deposits | 144.9407% | 139 |
| Total domestic deposits to total assets | 68.0452% | 4,921 |
| Equity capital to assets | 8.4921% | 4,838 |
| Core capital (leverage) ratio | 9.5639% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0831% | 2,250 |
| Memoranda: | ||
| Average total assets | $447,553,500 | 1,618 |
| Average earning assets | $422,507,500 | 1,591 |
| Average equity | $38,556,500 | 2,041 |
| Average total loans | $369,056,000 | 1,389 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 2,960 |
| Cost of funding earning assets | 1.6739% | 214 |
| Net interest margin | 2.8230% | 4,741 |
| Noninterest income to average assets | 0.1834% | 4,566 |
| Noninterest expense to average assets | 2.6394% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1630% | 4,875 |
| Return on assets (ROA) | 0.3293% | 4,738 |
| Pretax return on assets | 0.4100% | 4,695 |
| Return on Equity (ROE) | 3.5843% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.5843% | 3,208 |
| Net charge-offs to loans | -0.0023% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8844% | 267 |
| Assets per employee ($millions) | 7.9695% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 2,561 |
| Loan loss allowance to noncurrent loans | 964.3653% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,122 |
| Noncurrent loans to loans | 0.1221% | 4,039 |
| Net loans and leases to total assets | 81.4292% | 629 |
| Net loans and leases to deposits | 111.5062% | 159 |
| Net loans and leases to core deposits | 137.6234% | 189 |
| Total domestic deposits to total assets | 73.0266% | 4,827 |
| Equity capital to assets | 8.8720% | 4,756 |
| Core capital (leverage) ratio | 9.9125% | 3,608 |
| Tier 1 risk-based capital ratio | 13.0101% | 3,787 |
| Total risk-based capital ratio | 14.2607% | 3,662 |
| Memoranda: | ||
| Average total assets | $424,829,000 | 1,651 |
| Average earning assets | $400,032,200 | 1,629 |
| Average equity | $39,031,400 | 1,978 |
| Average total loans | $344,528,200 | 1,443 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,999 |
| Cost of funding earning assets | 1.7101% | 193 |
| Net interest margin | 2.8083% | 4,852 |
| Noninterest income to average assets | 0.1764% | 4,664 |
| Noninterest expense to average assets | 2.6710% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1199% | 5,003 |
| Return on assets (ROA) | 0.3385% | 4,822 |
| Pretax return on assets | 0.4177% | 4,789 |
| Return on Equity (ROE) | 3.6512% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.6512% | 3,576 |
| Net charge-offs to loans | -0.0024% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7564% | 223 |
| Assets per employee ($millions) | 7.6088% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,217 |
| Loan loss allowance to noncurrent loans | 514.7444% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,777 |
| Noncurrent loans to loans | 0.2435% | 3,670 |
| Net loans and leases to total assets | 80.0420% | 842 |
| Net loans and leases to deposits | 102.4241% | 481 |
| Net loans and leases to core deposits | 128.6908% | 314 |
| Total domestic deposits to total assets | 78.1476% | 4,317 |
| Equity capital to assets | 9.2144% | 4,657 |
| Core capital (leverage) ratio | 10.2142% | 3,407 |
| Tier 1 risk-based capital ratio | 13.8151% | 3,415 |
| Total risk-based capital ratio | 15.0668% | 3,328 |
| Memoranda: | ||
| Average total assets | $419,463,500 | 1,682 |
| Average earning assets | $394,672,000 | 1,657 |
| Average equity | $38,890,500 | 1,993 |
| Average total loans | $338,725,000 | 1,473 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 2,864 |
| Cost of funding earning assets | 1.7254% | 168 |
| Net interest margin | 2.8199% | 4,906 |
| Noninterest income to average assets | 0.1663% | 4,755 |
| Noninterest expense to average assets | 2.6794% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1110% | 5,050 |
| Return on assets (ROA) | 0.4472% | 4,675 |
| Pretax return on assets | 0.5627% | 4,607 |
| Return on Equity (ROE) | 4.8134% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.8134% | 2,861 |
| Net charge-offs to loans | -0.0024% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1327% | 215 |
| Assets per employee ($millions) | 7.6495% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,138 |
| Loan loss allowance to noncurrent loans | 389.8198% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 3,512 |
| Noncurrent loans to loans | 0.3255% | 3,366 |
| Net loans and leases to total assets | 80.0195% | 875 |
| Net loans and leases to deposits | 106.8212% | 309 |
| Net loans and leases to core deposits | 133.4197% | 268 |
| Total domestic deposits to total assets | 74.9097% | 4,773 |
| Equity capital to assets | 9.3006% | 4,575 |
| Core capital (leverage) ratio | 10.1190% | 3,486 |
| Tier 1 risk-based capital ratio | 14.0154% | 3,316 |
| Total risk-based capital ratio | 15.2673% | 3,224 |
| Memoranda: | ||
| Average total assets | $417,253,000 | 1,694 |
| Average earning assets | $392,140,000 | 1,669 |
| Average equity | $38,766,670 | 1,993 |
| Average total loans | $336,505,330 | 1,484 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 2,694 |
| Cost of funding earning assets | 1.6922% | 165 |
| Net interest margin | 2.8583% | 4,927 |
| Noninterest income to average assets | 0.1646% | 4,752 |
| Noninterest expense to average assets | 2.7243% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0953% | 5,092 |
| Return on assets (ROA) | 0.5843% | 4,319 |
| Pretax return on assets | 0.7345% | 4,209 |
| Return on Equity (ROE) | 6.2926% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.2926% | 2,322 |
| Net charge-offs to loans | -0.0024% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6728% | 235 |
| Assets per employee ($millions) | 7.8971% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,116 |
| Loan loss allowance to noncurrent loans | 388.1508% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,552 |
| Noncurrent loans to loans | 0.3334% | 3,379 |
| Net loans and leases to total assets | 78.8083% | 1,014 |
| Net loans and leases to deposits | 107.7977% | 275 |
| Net loans and leases to core deposits | 131.9459% | 286 |
| Total domestic deposits to total assets | 73.1076% | 4,990 |
| Equity capital to assets | 9.3072% | 4,428 |
| Core capital (leverage) ratio | 10.1675% | 3,424 |
| Tier 1 risk-based capital ratio | 12.9487% | 3,901 |
| Total risk-based capital ratio | 14.1994% | 3,801 |
| Memoranda: | ||
| Average total assets | $415,517,000 | 1,707 |
| Average earning assets | $390,025,500 | 1,677 |
| Average equity | $38,585,000 | 1,987 |
| Average total loans | $334,263,500 | 1,502 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,929 |
| Cost of funding earning assets | 1.3141% | 203 |
| Net interest margin | 3.0362% | 4,755 |
| Noninterest income to average assets | 0.1781% | 4,836 |
| Noninterest expense to average assets | 2.5769% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3594% | 4,922 |
| Return on assets (ROA) | 0.3594% | 4,920 |
| Pretax return on assets | 0.4561% | 4,865 |
| Return on Equity (ROE) | 3.8631% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.8631% | 3,458 |
| Net charge-offs to loans | -0.0211% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9629% | 582 |
| Assets per employee ($millions) | 7.7862% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,079 |
| Loan loss allowance to noncurrent loans | 340.9306% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,335 |
| Noncurrent loans to loans | 0.3792% | 3,174 |
| Net loans and leases to total assets | 79.9747% | 947 |
| Net loans and leases to deposits | 115.8857% | 147 |
| Net loans and leases to core deposits | 132.3486% | 282 |
| Total domestic deposits to total assets | 69.0117% | 5,183 |
| Equity capital to assets | 9.2886% | 4,330 |
| Core capital (leverage) ratio | 10.1506% | 3,406 |
| Tier 1 risk-based capital ratio | 14.1681% | 3,211 |
| Total risk-based capital ratio | 15.4207% | 3,143 |
| Memoranda: | ||
| Average total assets | $408,704,600 | 1,679 |
| Average earning assets | $384,300,400 | 1,654 |
| Average equity | $38,026,000 | 1,938 |
| Average total loans | $327,381,400 | 1,492 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,961 |
| Cost of funding earning assets | 1.2315% | 218 |
| Net interest margin | 3.0683% | 4,757 |
| Noninterest income to average assets | 0.1821% | 4,874 |
| Noninterest expense to average assets | 2.6211% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3525% | 5,027 |
| Return on assets (ROA) | 0.3525% | 5,024 |
| Pretax return on assets | 0.4470% | 4,972 |
| Return on Equity (ROE) | 3.7874% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,883 |
| Net charge-offs to loans | -0.0274% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4295% | 551 |
| Assets per employee ($millions) | 8.1602% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 1,960 |
| Loan loss allowance to noncurrent loans | 440.0204% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,752 |
| Noncurrent loans to loans | 0.3025% | 3,593 |
| Net loans and leases to total assets | 78.5070% | 1,259 |
| Net loans and leases to deposits | 112.6866% | 219 |
| Net loans and leases to core deposits | 130.0972% | 329 |
| Total domestic deposits to total assets | 69.6685% | 5,229 |
| Equity capital to assets | 9.4160% | 4,169 |
| Core capital (leverage) ratio | 10.3297% | 3,254 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,327 |
| Total risk-based capital ratio | 15.3449% | 3,238 |
| Memoranda: | ||
| Average total assets | $407,713,500 | 1,689 |
| Average earning assets | $383,482,250 | 1,663 |
| Average equity | $37,949,750 | 1,946 |
| Average total loans | $325,638,250 | 1,504 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 2,879 |
| Cost of funding earning assets | 1.1543% | 223 |
| Net interest margin | 3.1144% | 4,704 |
| Noninterest income to average assets | 0.1658% | 5,001 |
| Noninterest expense to average assets | 2.6137% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3768% | 5,008 |
| Return on assets (ROA) | 0.3768% | 5,009 |
| Pretax return on assets | 0.4818% | 4,932 |
| Return on Equity (ROE) | 4.0642% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.0642% | 3,576 |
| Net charge-offs to loans | -0.0190% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4349% | 666 |
| Assets per employee ($millions) | 8.4524% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,048 |
| Loan loss allowance to noncurrent loans | 374.9781% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,646 |
| Noncurrent loans to loans | 0.3539% | 3,428 |
| Net loans and leases to total assets | 78.5592% | 1,236 |
| Net loans and leases to deposits | 117.4129% | 138 |
| Net loans and leases to core deposits | 135.8098% | 243 |
| Total domestic deposits to total assets | 66.9085% | 5,365 |
| Equity capital to assets | 9.3999% | 4,190 |
| Core capital (leverage) ratio | 10.2213% | 3,337 |
| Tier 1 risk-based capital ratio | 14.1507% | 3,287 |
| Total risk-based capital ratio | 15.4031% | 3,202 |
| Memoranda: | ||
| Average total assets | $407,615,330 | 1,693 |
| Average earning assets | $383,443,000 | 1,670 |
| Average equity | $37,793,670 | 1,954 |
| Average total loans | $325,972,330 | 1,498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,764 |
| Cost of funding earning assets | 1.1007% | 229 |
| Net interest margin | 3.1349% | 4,629 |
| Noninterest income to average assets | 0.1449% | 5,141 |
| Noninterest expense to average assets | 2.6816% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3290% | 5,054 |
| Return on assets (ROA) | 0.3290% | 5,060 |
| Pretax return on assets | 0.4161% | 5,014 |
| Return on Equity (ROE) | 3.5724% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.5724% | 3,775 |
| Net charge-offs to loans | -0.0366% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5676% | 606 |
| Assets per employee ($millions) | 8.5614% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,227 |
| Loan loss allowance to noncurrent loans | 372.5217% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,740 |
| Noncurrent loans to loans | 0.3499% | 3,517 |
| Net loans and leases to total assets | 78.9404% | 1,093 |
| Net loans and leases to deposits | 116.4989% | 150 |
| Net loans and leases to core deposits | 134.2071% | 282 |
| Total domestic deposits to total assets | 67.7606% | 5,422 |
| Equity capital to assets | 9.1739% | 4,392 |
| Core capital (leverage) ratio | 10.0232% | 3,505 |
| Tier 1 risk-based capital ratio | 13.6601% | 3,567 |
| Total risk-based capital ratio | 14.9120% | 3,473 |
| Memoranda: | ||
| Average total assets | $408,564,500 | 1,697 |
| Average earning assets | $384,833,500 | 1,675 |
| Average equity | $37,622,000 | 1,970 |
| Average total loans | $327,451,500 | 1,497 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,508 |
| Cost of funding earning assets | 0.9602% | 274 |
| Net interest margin | 3.0095% | 4,865 |
| Noninterest income to average assets | 0.1833% | 5,037 |
| Noninterest expense to average assets | 2.4808% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3472% | 4,833 |
| Return on assets (ROA) | 0.3472% | 4,860 |
| Pretax return on assets | 0.5203% | 4,898 |
| Return on Equity (ROE) | 3.4562% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.4562% | 3,211 |
| Net charge-offs to loans | -0.0055% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6633% | 880 |
| Assets per employee ($millions) | 8.6905% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,198 |
| Loan loss allowance to noncurrent loans | 367.9931% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,754 |
| Noncurrent loans to loans | 0.3544% | 3,495 |
| Net loans and leases to total assets | 78.8245% | 1,153 |
| Net loans and leases to deposits | 115.7600% | 156 |
| Net loans and leases to core deposits | 130.0621% | 336 |
| Total domestic deposits to total assets | 68.0930% | 5,471 |
| Equity capital to assets | 9.7916% | 3,927 |
| Core capital (leverage) ratio | 10.3480% | 3,016 |
| Tier 1 risk-based capital ratio | 13.4914% | 3,630 |
| Total risk-based capital ratio | 14.7449% | 3,540 |
| Memoranda: | ||
| Average total assets | $392,863,600 | 1,737 |
| Average earning assets | $367,839,000 | 1,719 |
| Average equity | $39,465,200 | 1,880 |
| Average total loans | $311,028,800 | 1,526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,568 |
| Cost of funding earning assets | 0.9359% | 281 |
| Net interest margin | 3.0021% | 4,913 |
| Noninterest income to average assets | 0.1950% | 5,040 |
| Noninterest expense to average assets | 2.4999% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3380% | 5,142 |
| Return on assets (ROA) | 0.3380% | 5,170 |
| Pretax return on assets | 0.5046% | 5,019 |
| Return on Equity (ROE) | 3.3423% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.3423% | 3,940 |
| Net charge-offs to loans | -0.0074% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2059% | 820 |
| Assets per employee ($millions) | 8.3080% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 2,156 |
| Loan loss allowance to noncurrent loans | 362.0426% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,888 |
| Noncurrent loans to loans | 0.3707% | 3,623 |
| Net loans and leases to total assets | 78.4238% | 1,210 |
| Net loans and leases to deposits | 111.5422% | 232 |
| Net loans and leases to core deposits | 126.5572% | 395 |
| Total domestic deposits to total assets | 70.3086% | 5,468 |
| Equity capital to assets | 9.9780% | 3,931 |
| Core capital (leverage) ratio | 10.3582% | 3,129 |
| Tier 1 risk-based capital ratio | 12.9683% | 4,032 |
| Total risk-based capital ratio | 14.2468% | 3,919 |
| Memoranda: | ||
| Average total assets | $388,966,250 | 1,767 |
| Average earning assets | $364,003,500 | 1,749 |
| Average equity | $39,333,000 | 1,903 |
| Average total loans | $307,232,250 | 1,549 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 3,602 |
| Cost of funding earning assets | 0.9069% | 293 |
| Net interest margin | 2.9791% | 4,956 |
| Noninterest income to average assets | 0.1924% | 5,088 |
| Noninterest expense to average assets | 2.5170% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3127% | 5,192 |
| Return on assets (ROA) | 0.3127% | 5,213 |
| Pretax return on assets | 0.4620% | 5,068 |
| Return on Equity (ROE) | 3.0781% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.0781% | 3,879 |
| Net charge-offs to loans | -0.0039% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4909% | 801 |
| Assets per employee ($millions) | 8.2455% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,193 |
| Loan loss allowance to noncurrent loans | 268.4810% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,510 |
| Noncurrent loans to loans | 0.5013% | 3,253 |
| Net loans and leases to total assets | 78.5684% | 1,155 |
| Net loans and leases to deposits | 110.9457% | 243 |
| Net loans and leases to core deposits | 124.9918% | 414 |
| Total domestic deposits to total assets | 70.8170% | 5,511 |
| Equity capital to assets | 9.9759% | 3,940 |
| Core capital (leverage) ratio | 10.3430% | 3,085 |
| Tier 1 risk-based capital ratio | 14.2870% | 3,272 |
| Total risk-based capital ratio | 15.5889% | 3,169 |
| Memoranda: | ||
| Average total assets | $385,693,000 | 1,777 |
| Average earning assets | $360,784,000 | 1,759 |
| Average equity | $39,180,330 | 1,906 |
| Average total loans | $303,977,330 | 1,556 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 3,519 |
| Cost of funding earning assets | 0.8874% | 303 |
| Net interest margin | 2.9801% | 4,930 |
| Noninterest income to average assets | 0.2081% | 5,021 |
| Noninterest expense to average assets | 2.5514% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3026% | 5,187 |
| Return on assets (ROA) | 0.3026% | 5,206 |
| Pretax return on assets | 0.4445% | 5,070 |
| Return on Equity (ROE) | 2.9517% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.9517% | 3,936 |
| Net charge-offs to loans | -0.0040% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1631% | 875 |
| Assets per employee ($millions) | 8.0095% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 2,056 |
| Loan loss allowance to noncurrent loans | 253.5885% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 3,451 |
| Noncurrent loans to loans | 0.5533% | 3,154 |
| Net loans and leases to total assets | 77.5008% | 1,198 |
| Net loans and leases to deposits | 104.7179% | 373 |
| Net loans and leases to core deposits | 114.9139% | 635 |
| Total domestic deposits to total assets | 74.0091% | 5,416 |
| Equity capital to assets | 10.1730% | 3,542 |
| Core capital (leverage) ratio | 10.4555% | 2,953 |
| Tier 1 risk-based capital ratio | 13.4369% | 3,812 |
| Total risk-based capital ratio | 14.7196% | 3,708 |
| Memoranda: | ||
| Average total assets | $380,647,000 | 1,813 |
| Average earning assets | $356,098,500 | 1,796 |
| Average equity | $39,029,000 | 1,915 |
| Average total loans | $298,364,000 | 1,588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 4,109 |
| Cost of funding earning assets | 0.9401% | 239 |
| Net interest margin | 2.7945% | 5,297 |
| Noninterest income to average assets | 0.1848% | 5,291 |
| Noninterest expense to average assets | 2.4558% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2358% | 5,340 |
| Return on assets (ROA) | 0.2468% | 5,397 |
| Pretax return on assets | 0.3544% | 5,289 |
| Return on Equity (ROE) | 2.4312% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.4312% | 4,141 |
| Net charge-offs to loans | -0.0057% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8811% | 689 |
| Assets per employee ($millions) | 8.5645% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,923 |
| Loan loss allowance to noncurrent loans | 227.0632% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 3,277 |
| Noncurrent loans to loans | 0.6336% | 2,954 |
| Net loans and leases to total assets | 77.0343% | 1,361 |
| Net loans and leases to deposits | 100.1104% | 665 |
| Net loans and leases to core deposits | 111.5011% | 802 |
| Total domestic deposits to total assets | 76.9494% | 5,120 |
| Equity capital to assets | 10.3353% | 3,344 |
| Core capital (leverage) ratio | 10.6969% | 2,660 |
| Tier 1 risk-based capital ratio | 13.7201% | 3,637 |
| Total risk-based capital ratio | 15.0365% | 3,495 |
| Memoranda: | ||
| Average total assets | $374,420,600 | 1,787 |
| Average earning assets | $349,646,600 | 1,777 |
| Average equity | $38,005,600 | 1,923 |
| Average total loans | $281,873,800 | 1,612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 4,140 |
| Cost of funding earning assets | 0.9494% | 222 |
| Net interest margin | 2.7829% | 5,383 |
| Noninterest income to average assets | 0.1930% | 5,310 |
| Noninterest expense to average assets | 2.4632% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2271% | 5,424 |
| Return on assets (ROA) | 0.2418% | 5,472 |
| Pretax return on assets | 0.3478% | 5,381 |
| Return on Equity (ROE) | 2.3934% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.3934% | 4,483 |
| Net charge-offs to loans | -0.0067% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2894% | 660 |
| Assets per employee ($millions) | 8.1718% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,820 |
| Loan loss allowance to noncurrent loans | 225.5059% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 3,445 |
| Noncurrent loans to loans | 0.6579% | 3,056 |
| Net loans and leases to total assets | 74.8091% | 1,738 |
| Net loans and leases to deposits | 97.6949% | 883 |
| Net loans and leases to core deposits | 109.0320% | 981 |
| Total domestic deposits to total assets | 76.5741% | 5,155 |
| Equity capital to assets | 10.1935% | 3,925 |
| Core capital (leverage) ratio | 10.5717% | 2,908 |
| Tier 1 risk-based capital ratio | 14.2967% | 3,399 |
| Total risk-based capital ratio | 15.5545% | 3,324 |
| Memoranda: | ||
| Average total assets | $373,816,750 | 1,791 |
| Average earning assets | $348,841,250 | 1,784 |
| Average equity | $37,770,250 | 1,947 |
| Average total loans | $278,709,750 | 1,622 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 4,196 |
| Cost of funding earning assets | 0.9440% | 228 |
| Net interest margin | 2.7844% | 5,448 |
| Noninterest income to average assets | 0.1672% | 5,487 |
| Noninterest expense to average assets | 2.4769% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2057% | 5,513 |
| Return on assets (ROA) | 0.2224% | 5,547 |
| Pretax return on assets | 0.3114% | 5,486 |
| Return on Equity (ROE) | 2.2082% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.2082% | 4,469 |
| Net charge-offs to loans | -0.0087% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5890% | 623 |
| Assets per employee ($millions) | 7.9135% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,849 |
| Loan loss allowance to noncurrent loans | 223.8498% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 3,519 |
| Noncurrent loans to loans | 0.6709% | 3,057 |
| Net loans and leases to total assets | 74.6406% | 1,711 |
| Net loans and leases to deposits | 94.7252% | 1,214 |
| Net loans and leases to core deposits | 105.9195% | 1,188 |
| Total domestic deposits to total assets | 78.7970% | 4,832 |
| Equity capital to assets | 10.1741% | 4,000 |
| Core capital (leverage) ratio | 10.4480% | 3,024 |
| Tier 1 risk-based capital ratio | 14.3460% | 3,408 |
| Total risk-based capital ratio | 15.6044% | 3,326 |
| Memoranda: | ||
| Average total assets | $373,120,670 | 1,796 |
| Average earning assets | $348,081,330 | 1,786 |
| Average equity | $37,587,670 | 1,963 |
| Average total loans | $276,464,330 | 1,635 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 4,294 |
| Cost of funding earning assets | 0.9271% | 251 |
| Net interest margin | 2.7802% | 5,500 |
| Noninterest income to average assets | 0.1466% | 5,607 |
| Noninterest expense to average assets | 2.5131% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1745% | 5,578 |
| Return on assets (ROA) | 0.1745% | 5,632 |
| Pretax return on assets | 0.2269% | 5,610 |
| Return on Equity (ROE) | 1.7405% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.7405% | 4,571 |
| Net charge-offs to loans | 0.0146% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,438 |
| Efficiency ratio | 91.7188% | 569 |
| Assets per employee ($millions) | 7.8086% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,936 |
| Loan loss allowance to noncurrent loans | 313.0855% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 4,133 |
| Noncurrent loans to loans | 0.4826% | 3,734 |
| Net loans and leases to total assets | 73.2305% | 1,844 |
| Net loans and leases to deposits | 94.8992% | 1,053 |
| Net loans and leases to core deposits | 105.6070% | 1,099 |
| Total domestic deposits to total assets | 77.1665% | 5,267 |
| Equity capital to assets | 10.0220% | 4,048 |
| Core capital (leverage) ratio | 10.3690% | 3,107 |
| Tier 1 risk-based capital ratio | 14.5208% | 3,383 |
| Total risk-based capital ratio | 15.7796% | 3,317 |
| Memoranda: | ||
| Average total assets | $373,714,500 | 1,794 |
| Average earning assets | $348,605,500 | 1,780 |
| Average equity | $37,461,000 | 1,963 |
| Average total loans | $273,773,500 | 1,647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,565 |
| Cost of funding earning assets | 0.8409% | 394 |
| Net interest margin | 2.7969% | 5,516 |
| Noninterest income to average assets | 0.1549% | 5,644 |
| Noninterest expense to average assets | 2.4746% | 4,308 |
| Loan and lease loss provision to assets | -0.2215% | 6,005 |
| Net operating income to assets | 0.3420% | 5,236 |
| Return on assets (ROA) | 0.3449% | 5,318 |
| Pretax return on assets | 0.5088% | 5,090 |
| Return on Equity (ROE) | 3.1888% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.1888% | 3,787 |
| Net charge-offs to loans | -0.3355% | 6,022 |
| Credit loss provision to net charge-offs | 93.5329% | 2,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7357% | 702 |
| Assets per employee ($millions) | 7.9376% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,722 |
| Loan loss allowance to noncurrent loans | 293.7370% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,052 |
| Noncurrent loans to loans | 0.5345% | 3,562 |
| Net loans and leases to total assets | 70.9357% | 2,211 |
| Net loans and leases to deposits | 93.4185% | 1,260 |
| Net loans and leases to core deposits | 105.0543% | 1,158 |
| Total domestic deposits to total assets | 75.9332% | 5,449 |
| Equity capital to assets | 10.2076% | 3,738 |
| Core capital (leverage) ratio | 10.5699% | 2,860 |
| Tier 1 risk-based capital ratio | 15.0443% | 3,162 |
| Total risk-based capital ratio | 16.3045% | 3,084 |
| Memoranda: | ||
| Average total assets | $352,588,200 | 1,852 |
| Average earning assets | $328,111,400 | 1,855 |
| Average equity | $38,133,600 | 1,880 |
| Average total loans | $248,891,400 | 1,738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5852% | 4,780 |
| Cost of funding earning assets | 0.8135% | 454 |
| Net interest margin | 2.7717% | 5,628 |
| Noninterest income to average assets | 0.1589% | 5,694 |
| Noninterest expense to average assets | 2.4995% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1815% | 5,710 |
| Return on assets (ROA) | 0.1815% | 5,764 |
| Pretax return on assets | 0.2375% | 5,741 |
| Return on Equity (ROE) | 1.6532% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.6532% | 5,039 |
| Net charge-offs to loans | -0.0230% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3220% | 608 |
| Assets per employee ($millions) | 7.7327% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 1,630 |
| Loan loss allowance to noncurrent loans | 286.7166% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 4,157 |
| Noncurrent loans to loans | 0.5734% | 3,615 |
| Net loans and leases to total assets | 69.2815% | 2,490 |
| Net loans and leases to deposits | 91.1412% | 1,509 |
| Net loans and leases to core deposits | 102.2240% | 1,367 |
| Total domestic deposits to total assets | 76.0156% | 5,479 |
| Equity capital to assets | 10.3075% | 3,806 |
| Core capital (leverage) ratio | 10.8978% | 2,593 |
| Tier 1 risk-based capital ratio | 15.5888% | 3,004 |
| Total risk-based capital ratio | 16.8503% | 2,927 |
| Memoranda: | ||
| Average total assets | $347,468,750 | 1,897 |
| Average earning assets | $323,205,750 | 1,885 |
| Average equity | $38,146,750 | 1,894 |
| Average total loans | $243,899,750 | 1,777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,720 |
| Cost of funding earning assets | 0.7913% | 527 |
| Net interest margin | 2.8081% | 5,599 |
| Noninterest income to average assets | 0.1368% | 5,874 |
| Noninterest expense to average assets | 2.5498% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1578% | 5,793 |
| Return on assets (ROA) | 0.1578% | 5,843 |
| Pretax return on assets | 0.1987% | 5,816 |
| Return on Equity (ROE) | 1.4072% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.4072% | 4,985 |
| Net charge-offs to loans | -0.0133% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7690% | 593 |
| Assets per employee ($millions) | 7.3870% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,551 |
| Loan loss allowance to noncurrent loans | 282.4443% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 4,212 |
| Noncurrent loans to loans | 0.6108% | 3,643 |
| Net loans and leases to total assets | 68.6314% | 2,546 |
| Net loans and leases to deposits | 92.7196% | 1,285 |
| Net loans and leases to core deposits | 103.2695% | 1,241 |
| Total domestic deposits to total assets | 74.0204% | 5,790 |
| Equity capital to assets | 10.8941% | 2,998 |
| Core capital (leverage) ratio | 11.2793% | 2,181 |
| Tier 1 risk-based capital ratio | 16.3614% | 2,677 |
| Total risk-based capital ratio | 17.7063% | 2,586 |
| Memoranda: | ||
| Average total assets | $342,146,330 | 1,933 |
| Average earning assets | $318,218,000 | 1,929 |
| Average equity | $38,375,330 | 1,898 |
| Average total loans | $239,865,330 | 1,815 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,621 |
| Cost of funding earning assets | 0.7606% | 616 |
| Net interest margin | 2.8614% | 5,528 |
| Noninterest income to average assets | 0.1272% | 5,965 |
| Noninterest expense to average assets | 2.5934% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1578% | 5,774 |
| Return on assets (ROA) | 0.1578% | 5,845 |
| Pretax return on assets | 0.1967% | 5,830 |
| Return on Equity (ROE) | 1.3868% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.3868% | 4,933 |
| Net charge-offs to loans | -0.0134% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9506% | 650 |
| Assets per employee ($millions) | 7.2110% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 1,617 |
| Loan loss allowance to noncurrent loans | 250.1498% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 4,057 |
| Noncurrent loans to loans | 0.6983% | 3,531 |
| Net loans and leases to total assets | 69.2935% | 2,239 |
| Net loans and leases to deposits | 94.9376% | 901 |
| Net loans and leases to core deposits | 104.2643% | 1,048 |
| Total domestic deposits to total assets | 72.9885% | 5,978 |
| Equity capital to assets | 11.1664% | 2,793 |
| Core capital (leverage) ratio | 11.4069% | 2,075 |
| Tier 1 risk-based capital ratio | 16.5634% | 2,658 |
| Total risk-based capital ratio | 17.9517% | 2,546 |
| Memoranda: | ||
| Average total assets | $339,625,500 | 1,960 |
| Average earning assets | $316,064,500 | 1,953 |
| Average equity | $38,651,500 | 1,894 |
| Average total loans | $238,566,500 | 1,823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 5,180 |
| Cost of funding earning assets | 0.7825% | 709 |
| Net interest margin | 2.7815% | 5,837 |
| Noninterest income to average assets | 0.1479% | 5,955 |
| Noninterest expense to average assets | 2.5512% | 4,393 |
| Loan and lease loss provision to assets | -0.3518% | 6,400 |
| Net operating income to assets | 0.3680% | 5,330 |
| Return on assets (ROA) | 0.3680% | 5,398 |
| Pretax return on assets | 0.5441% | 5,125 |
| Return on Equity (ROE) | 3.2201% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.2201% | 3,941 |
| Net charge-offs to loans | -0.5503% | 6,403 |
| Credit loss provision to net charge-offs | 92.6620% | 2,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9898% | 650 |
| Assets per employee ($millions) | 7.2411% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 1,655 |
| Loan loss allowance to noncurrent loans | 218.5107% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 3,929 |
| Noncurrent loans to loans | 0.8009% | 3,305 |
| Net loans and leases to total assets | 68.7394% | 2,450 |
| Net loans and leases to deposits | 97.3590% | 802 |
| Net loans and leases to core deposits | 102.8746% | 1,189 |
| Total domestic deposits to total assets | 70.6041% | 6,168 |
| Equity capital to assets | 11.5939% | 2,352 |
| Core capital (leverage) ratio | 10.9268% | 2,473 |
| Tier 1 risk-based capital ratio | 17.1844% | 2,438 |
| Total risk-based capital ratio | 18.6355% | 2,326 |
| Memoranda: | ||
| Average total assets | $337,455,400 | 1,926 |
| Average earning assets | $314,899,200 | 1,903 |
| Average equity | $38,570,800 | 1,830 |
| Average total loans | $232,769,800 | 1,805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 5,254 |
| Cost of funding earning assets | 0.7883% | 731 |
| Net interest margin | 2.7668% | 5,911 |
| Noninterest income to average assets | 0.1473% | 6,035 |
| Noninterest expense to average assets | 2.5638% | 4,310 |
| Loan and lease loss provision to assets | -0.4637% | 6,527 |
| Net operating income to assets | 0.4193% | 5,177 |
| Return on assets (ROA) | 0.4193% | 5,254 |
| Pretax return on assets | 0.6292% | 4,934 |
| Return on Equity (ROE) | 3.6819% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.6819% | 4,020 |
| Net charge-offs to loans | -0.7115% | 6,494 |
| Credit loss provision to net charge-offs | 94.8178% | 2,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9359% | 602 |
| Assets per employee ($millions) | 7.2400% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 1,867 |
| Loan loss allowance to noncurrent loans | 221.5854% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 4,212 |
| Noncurrent loans to loans | 0.7832% | 3,623 |
| Net loans and leases to total assets | 68.8405% | 2,404 |
| Net loans and leases to deposits | 96.0514% | 877 |
| Net loans and leases to core deposits | 101.4078% | 1,255 |
| Total domestic deposits to total assets | 71.6706% | 6,188 |
| Equity capital to assets | 11.4349% | 2,546 |
| Core capital (leverage) ratio | 10.8811% | 2,598 |
| Tier 1 risk-based capital ratio | 17.1336% | 2,556 |
| Total risk-based capital ratio | 18.4730% | 2,475 |
| Memoranda: | ||
| Average total assets | $336,736,000 | 1,942 |
| Average earning assets | $314,245,000 | 1,915 |
| Average equity | $38,349,000 | 1,848 |
| Average total loans | $231,434,750 | 1,821 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 5,325 |
| Cost of funding earning assets | 0.8009% | 698 |
| Net interest margin | 2.7347% | 6,008 |
| Noninterest income to average assets | 0.1425% | 6,109 |
| Noninterest expense to average assets | 2.5814% | 4,302 |
| Loan and lease loss provision to assets | -0.6980% | 6,616 |
| Net operating income to assets | 0.5287% | 4,699 |
| Return on assets (ROA) | 0.5287% | 4,787 |
| Pretax return on assets | 0.8112% | 4,228 |
| Return on Equity (ROE) | 4.6486% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.6486% | 3,189 |
| Net charge-offs to loans | -1.0606% | 6,576 |
| Credit loss provision to net charge-offs | 96.3786% | 2,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7974% | 566 |
| Assets per employee ($millions) | 7.3425% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 1,927 |
| Loan loss allowance to noncurrent loans | 207.0926% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 4,220 |
| Noncurrent loans to loans | 0.8537% | 3,570 |
| Net loans and leases to total assets | 67.7234% | 2,458 |
| Net loans and leases to deposits | 95.4268% | 847 |
| Net loans and leases to core deposits | 99.5244% | 1,319 |
| Total domestic deposits to total assets | 70.9690% | 6,313 |
| Equity capital to assets | 11.4897% | 2,435 |
| Core capital (leverage) ratio | 10.9121% | 2,518 |
| Tier 1 risk-based capital ratio | 17.4190% | 2,453 |
| Total risk-based capital ratio | 18.7837% | 2,378 |
| Memoranda: | ||
| Average total assets | $335,554,000 | 1,947 |
| Average earning assets | $313,155,670 | 1,918 |
| Average equity | $38,161,670 | 1,849 |
| Average total loans | $229,116,670 | 1,831 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5340% | 5,339 |
| Cost of funding earning assets | 0.8210% | 664 |
| Net interest margin | 2.7130% | 6,096 |
| Noninterest income to average assets | 0.1543% | 6,049 |
| Noninterest expense to average assets | 2.6096% | 4,235 |
| Loan and lease loss provision to assets | -0.0191% | 6,419 |
| Net operating income to assets | 0.0981% | 6,035 |
| Return on assets (ROA) | 0.0981% | 6,062 |
| Pretax return on assets | 0.0933% | 6,092 |
| Return on Equity (ROE) | 0.8668% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.8668% | 5,246 |
| Net charge-offs to loans | -0.0757% | 5,994 |
| Credit loss provision to net charge-offs | 37.2093% | 2,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2371% | 579 |
| Assets per employee ($millions) | 7.1265% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,042 |
| Loan loss allowance to noncurrent loans | 202.8699% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 4,335 |
| Noncurrent loans to loans | 0.8870% | 3,662 |
| Net loans and leases to total assets | 66.8025% | 2,431 |
| Net loans and leases to deposits | 90.6764% | 1,072 |
| Net loans and leases to core deposits | 94.7239% | 1,491 |
| Total domestic deposits to total assets | 73.6714% | 6,269 |
| Equity capital to assets | 11.3015% | 2,421 |
| Core capital (leverage) ratio | 10.7618% | 2,638 |
| Tier 1 risk-based capital ratio | 17.6626% | 2,429 |
| Total risk-based capital ratio | 18.9811% | 2,367 |
| Memoranda: | ||
| Average total assets | $334,453,000 | 1,960 |
| Average earning assets | $311,830,500 | 1,933 |
| Average equity | $37,839,000 | 1,861 |
| Average total loans | $227,246,500 | 1,845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 5,579 |
| Cost of funding earning assets | 0.9587% | 557 |
| Net interest margin | 2.5715% | 6,298 |
| Noninterest income to average assets | 0.1477% | 6,209 |
| Noninterest expense to average assets | 2.3728% | 5,153 |
| Loan and lease loss provision to assets | -0.0577% | 6,406 |
| Net operating income to assets | 0.1631% | 5,912 |
| Return on assets (ROA) | 0.1631% | 5,978 |
| Pretax return on assets | 0.2455% | 5,853 |
| Return on Equity (ROE) | 1.5833% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.5833% | 5,092 |
| Net charge-offs to loans | -0.1195% | 6,520 |
| Credit loss provision to net charge-offs | 72.8938% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6677% | 831 |
| Assets per employee ($millions) | 6.9575% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,071 |
| Loan loss allowance to noncurrent loans | 202.4354% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,431 |
| Noncurrent loans to loans | 0.8878% | 3,768 |
| Net loans and leases to total assets | 66.6450% | 2,588 |
| Net loans and leases to deposits | 89.0450% | 1,338 |
| Net loans and leases to core deposits | 92.2084% | 1,779 |
| Total domestic deposits to total assets | 74.8442% | 6,213 |
| Equity capital to assets | 11.3259% | 2,317 |
| Core capital (leverage) ratio | 10.7688% | 2,606 |
| Tier 1 risk-based capital ratio | 17.7700% | 2,318 |
| Total risk-based capital ratio | 19.1072% | 2,256 |
| Memoranda: | ||
| Average total assets | $344,618,800 | 1,873 |
| Average earning assets | $323,357,800 | 1,838 |
| Average equity | $35,495,600 | 1,941 |
| Average total loans | $228,381,000 | 1,795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5382% | 5,601 |
| Cost of funding earning assets | 0.9837% | 537 |
| Net interest margin | 2.5545% | 6,374 |
| Noninterest income to average assets | 0.1478% | 6,294 |
| Noninterest expense to average assets | 2.3204% | 5,272 |
| Loan and lease loss provision to assets | -0.0764% | 6,589 |
| Net operating income to assets | 0.2050% | 5,902 |
| Return on assets (ROA) | 0.2050% | 5,987 |
| Pretax return on assets | 0.3044% | 5,864 |
| Return on Equity (ROE) | 2.0393% | 5,924 |
| Retained earnings to average equity (ytd only) | 2.0393% | 5,108 |
| Net charge-offs to loans | -0.1503% | 6,593 |
| Credit loss provision to net charge-offs | 77.1318% | 2,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0515% | 918 |
| Assets per employee ($millions) | 7.3164% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 2,328 |
| Loan loss allowance to noncurrent loans | 125.6736% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 3,749 |
| Noncurrent loans to loans | 1.4264% | 3,027 |
| Net loans and leases to total assets | 66.0558% | 2,628 |
| Net loans and leases to deposits | 85.8226% | 1,634 |
| Net loans and leases to core deposits | 90.5873% | 1,917 |
| Total domestic deposits to total assets | 76.9678% | 6,050 |
| Equity capital to assets | 10.4280% | 3,365 |
| Core capital (leverage) ratio | 10.6468% | 2,840 |
| Tier 1 risk-based capital ratio | 17.8140% | 2,397 |
| Total risk-based capital ratio | 19.1040% | 2,341 |
| Memoranda: | ||
| Average total assets | $347,283,750 | 1,872 |
| Average earning assets | $326,371,000 | 1,828 |
| Average equity | $34,913,500 | 1,990 |
| Average total loans | $228,816,250 | 1,797 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 5,635 |
| Cost of funding earning assets | 0.9841% | 585 |
| Net interest margin | 2.5427% | 6,398 |
| Noninterest income to average assets | 0.1077% | 6,504 |
| Noninterest expense to average assets | 2.2813% | 5,416 |
| Loan and lease loss provision to assets | -0.0747% | 6,680 |
| Net operating income to assets | 0.1961% | 5,906 |
| Return on assets (ROA) | 0.1961% | 6,030 |
| Pretax return on assets | 0.3004% | 5,880 |
| Return on Equity (ROE) | 1.9740% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.9740% | 5,016 |
| Net charge-offs to loans | -0.1385% | 6,579 |
| Credit loss provision to net charge-offs | 82.3899% | 2,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9959% | 982 |
| Assets per employee ($millions) | 7.6331% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,663 |
| Loan loss allowance to noncurrent loans | 123.5655% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 3,926 |
| Noncurrent loans to loans | 1.4011% | 3,195 |
| Net loans and leases to total assets | 65.0998% | 2,746 |
| Net loans and leases to deposits | 85.1071% | 1,673 |
| Net loans and leases to core deposits | 89.3375% | 1,971 |
| Total domestic deposits to total assets | 76.4916% | 6,198 |
| Equity capital to assets | 9.8997% | 4,054 |
| Core capital (leverage) ratio | 10.1084% | 3,358 |
| Tier 1 risk-based capital ratio | 18.1175% | 2,282 |
| Total risk-based capital ratio | 19.3767% | 2,237 |
| Memoranda: | ||
| Average total assets | $350,860,000 | 1,858 |
| Average earning assets | $331,059,000 | 1,806 |
| Average equity | $34,852,670 | 1,998 |
| Average total loans | $229,631,000 | 1,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 5,651 |
| Cost of funding earning assets | 0.9987% | 614 |
| Net interest margin | 2.5244% | 6,478 |
| Noninterest income to average assets | 0.1198% | 6,504 |
| Noninterest expense to average assets | 2.2787% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1346% | 6,084 |
| Return on assets (ROA) | 0.1346% | 6,177 |
| Pretax return on assets | 0.2338% | 6,009 |
| Return on Equity (ROE) | 1.3525% | 6,133 |
| Retained earnings to average equity (ytd only) | 1.3525% | 5,308 |
| Net charge-offs to loans | -0.0263% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6945% | 1,082 |
| Assets per employee ($millions) | 7.7984% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,740 |
| Loan loss allowance to noncurrent loans | 104.9686% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 3,754 |
| Noncurrent loans to loans | 1.6855% | 3,016 |
| Net loans and leases to total assets | 63.5082% | 2,802 |
| Net loans and leases to deposits | 84.0900% | 1,585 |
| Net loans and leases to core deposits | 88.1975% | 1,887 |
| Total domestic deposits to total assets | 75.5240% | 6,412 |
| Equity capital to assets | 9.8254% | 4,392 |
| Core capital (leverage) ratio | 10.0160% | 3,360 |
| Tier 1 risk-based capital ratio | 18.0828% | 2,327 |
| Total risk-based capital ratio | 19.3432% | 2,289 |
| Memoranda: | ||
| Average total assets | $350,729,500 | 1,888 |
| Average earning assets | $332,441,000 | 1,820 |
| Average equity | $34,899,000 | 2,021 |
| Average total loans | $228,143,500 | 1,812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 5,889 |
| Cost of funding earning assets | 1.3175% | 352 |
| Net interest margin | 2.4588% | 6,736 |
| Noninterest income to average assets | 0.0989% | 6,508 |
| Noninterest expense to average assets | 2.2622% | 5,781 |
| Loan and lease loss provision to assets | -0.0455% | 6,865 |
| Net operating income to assets | 0.1166% | 5,981 |
| Return on assets (ROA) | 0.1166% | 6,122 |
| Pretax return on assets | 0.1836% | 6,014 |
| Return on Equity (ROE) | 1.1560% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.1560% | 5,295 |
| Net charge-offs to loans | -0.0377% | 6,655 |
| Credit loss provision to net charge-offs | 202.5316% | 1,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2444% | 786 |
| Assets per employee ($millions) | 7.7896% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 2,778 |
| Loan loss allowance to noncurrent loans | 80.8369% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,177 |
| Noncurrent loans to loans | 2.1564% | 2,519 |
| Net loans and leases to total assets | 64.3042% | 2,845 |
| Net loans and leases to deposits | 84.7104% | 1,673 |
| Net loans and leases to core deposits | 88.8506% | 1,987 |
| Total domestic deposits to total assets | 75.9105% | 6,365 |
| Equity capital to assets | 10.0756% | 4,067 |
| Core capital (leverage) ratio | 9.7666% | 3,701 |
| Tier 1 risk-based capital ratio | 17.3348% | 2,510 |
| Total risk-based capital ratio | 18.5944% | 2,482 |
| Memoranda: | ||
| Average total assets | $351,775,200 | 1,838 |
| Average earning assets | $329,271,600 | 1,797 |
| Average equity | $35,467,800 | 1,950 |
| Average total loans | $209,796,600 | 1,922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 5,963 |
| Cost of funding earning assets | 1.3993% | 292 |
| Net interest margin | 2.4237% | 6,878 |
| Noninterest income to average assets | 0.1182% | 6,548 |
| Noninterest expense to average assets | 2.2441% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0847% | 6,149 |
| Return on assets (ROA) | 0.0844% | 6,292 |
| Pretax return on assets | 0.1352% | 6,221 |
| Return on Equity (ROE) | 0.8374% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.8374% | 5,830 |
| Net charge-offs to loans | -0.0078% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3030% | 756 |
| Assets per employee ($millions) | 7.9503% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 2,300 |
| Loan loss allowance to noncurrent loans | 80.5988% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 3,253 |
| Noncurrent loans to loans | 2.4282% | 2,363 |
| Net loans and leases to total assets | 58.5999% | 4,023 |
| Net loans and leases to deposits | 75.1862% | 3,114 |
| Net loans and leases to core deposits | 80.3161% | 3,165 |
| Total domestic deposits to total assets | 77.9396% | 6,093 |
| Equity capital to assets | 10.0325% | 4,446 |
| Core capital (leverage) ratio | 9.7190% | 3,926 |
| Tier 1 risk-based capital ratio | 18.1635% | 2,277 |
| Total risk-based capital ratio | 19.4253% | 2,250 |
| Memoranda: | ||
| Average total assets | $352,086,250 | 1,857 |
| Average earning assets | $328,526,000 | 1,828 |
| Average equity | $35,505,250 | 1,959 |
| Average total loans | $204,894,500 | 1,982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 5,992 |
| Cost of funding earning assets | 1.4393% | 302 |
| Net interest margin | 2.4288% | 6,946 |
| Noninterest income to average assets | 0.1479% | 6,454 |
| Noninterest expense to average assets | 2.2361% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0933% | 6,184 |
| Return on assets (ROA) | 0.0930% | 6,332 |
| Pretax return on assets | 0.1666% | 6,200 |
| Return on Equity (ROE) | 0.9203% | 6,313 |
| Retained earnings to average equity (ytd only) | 0.9203% | 5,704 |
| Net charge-offs to loans | -0.1877% | 6,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0425% | 859 |
| Assets per employee ($millions) | 7.9701% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 1,962 |
| Loan loss allowance to noncurrent loans | 35.8938% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 3.5009% | 1,523 |
| Noncurrent loans to loans | 5.8944% | 762 |
| Net loans and leases to total assets | 56.3466% | 4,414 |
| Net loans and leases to deposits | 69.2113% | 4,007 |
| Net loans and leases to core deposits | 74.8873% | 3,906 |
| Total domestic deposits to total assets | 81.4124% | 5,329 |
| Equity capital to assets | 9.9827% | 4,364 |
| Core capital (leverage) ratio | 9.6782% | 3,871 |
| Tier 1 risk-based capital ratio | 18.6205% | 2,098 |
| Total risk-based capital ratio | 19.8584% | 2,056 |
| Memoranda: | ||
| Average total assets | $352,844,000 | 1,861 |
| Average earning assets | $327,648,670 | 1,829 |
| Average equity | $35,642,000 | 1,943 |
| Average total loans | $203,498,670 | 1,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 5,960 |
| Cost of funding earning assets | 1.4826% | 314 |
| Net interest margin | 2.4430% | 6,986 |
| Noninterest income to average assets | 0.4679% | 4,156 |
| Noninterest expense to average assets | 2.1903% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3319% | 5,549 |
| Return on assets (ROA) | 0.3311% | 5,721 |
| Pretax return on assets | 0.5448% | 5,307 |
| Return on Equity (ROE) | 3.2593% | 5,609 |
| Retained earnings to average equity (ytd only) | 3.2593% | 4,612 |
| Net charge-offs to loans | -0.3583% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0496% | 2,199 |
| Assets per employee ($millions) | 8.2223% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 2,071 |
| Loan loss allowance to noncurrent loans | 23.8436% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 5.6947% | 848 |
| Noncurrent loans to loans | 8.8625% | 398 |
| Net loans and leases to total assets | 55.8535% | 4,413 |
| Net loans and leases to deposits | 68.4872% | 3,976 |
| Net loans and leases to core deposits | 74.0135% | 3,900 |
| Total domestic deposits to total assets | 81.5532% | 5,442 |
| Equity capital to assets | 10.2300% | 3,815 |
| Core capital (leverage) ratio | 9.6190% | 3,889 |
| Tier 1 risk-based capital ratio | 17.9814% | 2,298 |
| Total risk-based capital ratio | 19.2441% | 2,266 |
| Memoranda: | ||
| Average total assets | $353,923,500 | 1,870 |
| Average earning assets | $328,615,500 | 1,835 |
| Average equity | $35,959,000 | 1,931 |
| Average total loans | $204,313,000 | 1,989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 5,588 |
| Cost of funding earning assets | 1.8326% | 192 |
| Net interest margin | 2.5233% | 7,047 |
| Noninterest income to average assets | -0.1548% | 7,136 |
| Noninterest expense to average assets | 2.7721% | 4,465 |
| Loan and lease loss provision to assets | 0.3198% | 3,127 |
| Net operating income to assets | -0.6077% | 6,556 |
| Return on assets (ROA) | -0.6077% | 6,598 |
| Pretax return on assets | -0.9121% | 6,698 |
| Return on Equity (ROE) | -5.9611% | 6,577 |
| Retained earnings to average equity (ytd only) | -5.9611% | 6,503 |
| Net charge-offs to loans | 0.2891% | 3,964 |
| Credit loss provision to net charge-offs | 182.8885% | 1,410 |
| Earnings coverage of net charge-offs (x) | -3.3878% | 6,335 |
| Efficiency ratio | 127.1754% | 252 |
| Assets per employee ($millions) | 8.4355% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 2,363 |
| Loan loss allowance to noncurrent loans | 22.5889% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 6.1049% | 798 |
| Noncurrent loans to loans | 8.7303% | 418 |
| Net loans and leases to total assets | 57.2438% | 4,507 |
| Net loans and leases to deposits | 70.9681% | 3,955 |
| Net loans and leases to core deposits | 76.7695% | 3,865 |
| Total domestic deposits to total assets | 80.6613% | 5,547 |
| Equity capital to assets | 10.0903% | 4,044 |
| Core capital (leverage) ratio | 9.6769% | 3,766 |
| Tier 1 risk-based capital ratio | 17.5135% | 2,379 |
| Total risk-based capital ratio | 18.7740% | 2,339 |
| Memoranda: | ||
| Average total assets | $364,306,000 | 1,781 |
| Average earning assets | $337,062,400 | 1,760 |
| Average equity | $37,141,000 | 1,815 |
| Average total loans | $220,349,800 | 1,873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 5,475 |
| Cost of funding earning assets | 1.9052% | 177 |
| Net interest margin | 2.5313% | 7,117 |
| Noninterest income to average assets | -0.2054% | 7,268 |
| Noninterest expense to average assets | 2.7694% | 4,467 |
| Loan and lease loss provision to assets | 0.2417% | 3,588 |
| Net operating income to assets | -0.5848% | 6,689 |
| Return on assets (ROA) | -0.5848% | 6,731 |
| Pretax return on assets | -0.8767% | 6,822 |
| Return on Equity (ROE) | -5.7224% | 6,707 |
| Retained earnings to average equity (ytd only) | -5.7224% | 6,634 |
| Net charge-offs to loans | 0.7217% | 2,109 |
| Credit loss provision to net charge-offs | 54.9133% | 4,930 |
| Earnings coverage of net charge-offs (x) | -1.4426% | 5,981 |
| Efficiency ratio | 129.7514% | 229 |
| Assets per employee ($millions) | 8.4135% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,154 |
| Loan loss allowance to noncurrent loans | 33.8972% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.2820% | 1,421 |
| Noncurrent loans to loans | 4.3948% | 1,480 |
| Net loans and leases to total assets | 56.2531% | 4,805 |
| Net loans and leases to deposits | 68.4127% | 4,540 |
| Net loans and leases to core deposits | 74.9327% | 4,328 |
| Total domestic deposits to total assets | 82.2261% | 4,999 |
| Equity capital to assets | 10.2695% | 4,002 |
| Core capital (leverage) ratio | 9.8600% | 3,638 |
| Tier 1 risk-based capital ratio | 17.6435% | 2,379 |
| Total risk-based capital ratio | 18.8971% | 2,350 |
| Memoranda: | ||
| Average total assets | $366,810,000 | 1,775 |
| Average earning assets | $339,058,500 | 1,760 |
| Average equity | $37,489,000 | 1,799 |
| Average total loans | $223,715,000 | 1,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 5,243 |
| Cost of funding earning assets | 1.9313% | 184 |
| Net interest margin | 2.6040% | 7,114 |
| Noninterest income to average assets | -0.2489% | 7,359 |
| Noninterest expense to average assets | 2.6249% | 5,090 |
| Loan and lease loss provision to assets | 0.3313% | 2,795 |
| Net operating income to assets | -0.5333% | 6,716 |
| Return on assets (ROA) | -0.5333% | 6,740 |
| Pretax return on assets | -0.7988% | 6,824 |
| Return on Equity (ROE) | -5.2258% | 6,727 |
| Retained earnings to average equity (ytd only) | -5.2258% | 6,582 |
| Net charge-offs to loans | 0.9151% | 1,702 |
| Credit loss provision to net charge-offs | 58.1835% | 4,383 |
| Earnings coverage of net charge-offs (x) | -0.8212% | 5,607 |
| Efficiency ratio | 121.6729% | 328 |
| Assets per employee ($millions) | 8.8260% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,428 |
| Loan loss allowance to noncurrent loans | 52.6672% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.5158% | 1,871 |
| Noncurrent loans to loans | 2.7198% | 2,674 |
| Net loans and leases to total assets | 57.7293% | 4,681 |
| Net loans and leases to deposits | 71.6343% | 4,173 |
| Net loans and leases to core deposits | 79.5175% | 3,856 |
| Total domestic deposits to total assets | 80.5888% | 5,654 |
| Equity capital to assets | 10.0277% | 4,110 |
| Core capital (leverage) ratio | 9.6934% | 3,666 |
| Tier 1 risk-based capital ratio | 17.3014% | 2,413 |
| Total risk-based capital ratio | 18.5548% | 2,382 |
| Memoranda: | ||
| Average total assets | $371,291,000 | 1,765 |
| Average earning assets | $343,085,000 | 1,748 |
| Average equity | $37,889,000 | 1,770 |
| Average total loans | $231,024,670 | 1,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 4,724 |
| Cost of funding earning assets | 1.9472% | 210 |
| Net interest margin | 2.7078% | 7,006 |
| Noninterest income to average assets | -0.2863% | 7,454 |
| Noninterest expense to average assets | 2.2918% | 6,208 |
| Loan and lease loss provision to assets | 0.5006% | 1,742 |
| Net operating income to assets | -0.3897% | 6,733 |
| Return on assets (ROA) | -0.3897% | 6,739 |
| Pretax return on assets | -0.5802% | 6,805 |
| Return on Equity (ROE) | -3.7859% | 6,724 |
| Retained earnings to average equity (ytd only) | -3.7859% | 6,390 |
| Net charge-offs to loans | 1.0908% | 1,261 |
| Credit loss provision to net charge-offs | 71.6487% | 3,324 |
| Earnings coverage of net charge-offs (x) | -0.1140% | 4,648 |
| Efficiency ratio | 103.6010% | 638 |
| Assets per employee ($millions) | 8.6100% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,759 |
| Loan loss allowance to noncurrent loans | 39.2642% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 5.2775% | 1,173 |
| Noncurrent loans to loans | 4.0576% | 1,781 |
| Net loans and leases to total assets | 61.9624% | 3,860 |
| Net loans and leases to deposits | 76.5382% | 3,326 |
| Net loans and leases to core deposits | 84.9333% | 3,042 |
| Total domestic deposits to total assets | 80.9562% | 5,671 |
| Equity capital to assets | 10.3006% | 3,416 |
| Core capital (leverage) ratio | 10.2702% | 2,843 |
| Tier 1 risk-based capital ratio | 17.0355% | 2,456 |
| Total risk-based capital ratio | 18.2906% | 2,431 |
| Memoranda: | ||
| Average total assets | $371,589,500 | 1,777 |
| Average earning assets | $342,858,500 | 1,759 |
| Average equity | $38,247,500 | 1,742 |
| Average total loans | $237,982,500 | 1,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 4,472 |
| Cost of funding earning assets | 2.2226% | 286 |
| Net interest margin | 2.7941% | 7,035 |
| Noninterest income to average assets | -0.0090% | 7,308 |
| Noninterest expense to average assets | 2.0242% | 6,980 |
| Loan and lease loss provision to assets | 2.4335% | 469 |
| Net operating income to assets | -1.3709% | 6,862 |
| Return on assets (ROA) | -1.5221% | 6,931 |
| Pretax return on assets | -2.0617% | 7,044 |
| Return on Equity (ROE) | -14.6605% | 6,909 |
| Retained earnings to average equity (ytd only) | -14.6605% | 6,871 |
| Net charge-offs to loans | 2.6068% | 707 |
| Credit loss provision to net charge-offs | 136.5390% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.3232% | 5,786 |
| Efficiency ratio | 77.8469% | 2,730 |
| Assets per employee ($millions) | 9.0963% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 3,411 |
| Loan loss allowance to noncurrent loans | 25.2050% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 7.3343% | 726 |
| Noncurrent loans to loans | 6.5267% | 915 |
| Net loans and leases to total assets | 64.0443% | 3,867 |
| Net loans and leases to deposits | 79.1121% | 3,320 |
| Net loans and leases to core deposits | 87.4074% | 3,132 |
| Total domestic deposits to total assets | 80.9539% | 5,539 |
| Equity capital to assets | 10.2853% | 3,398 |
| Core capital (leverage) ratio | 10.2406% | 2,821 |
| Tier 1 risk-based capital ratio | 16.0158% | 2,743 |
| Total risk-based capital ratio | 17.2713% | 2,696 |
| Memoranda: | ||
| Average total assets | $389,730,000 | 1,690 |
| Average earning assets | $363,948,600 | 1,652 |
| Average equity | $40,462,600 | 1,639 |
| Average total loans | $266,456,800 | 1,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 4,552 |
| Cost of funding earning assets | 2.2630% | 309 |
| Net interest margin | 2.7952% | 7,138 |
| Noninterest income to average assets | 0.0254% | 7,379 |
| Noninterest expense to average assets | 1.9150% | 7,180 |
| Loan and lease loss provision to assets | 2.0511% | 577 |
| Net operating income to assets | -1.0307% | 6,923 |
| Return on assets (ROA) | -1.2408% | 7,027 |
| Pretax return on assets | -1.5918% | 7,072 |
| Return on Equity (ROE) | -11.9250% | 7,013 |
| Retained earnings to average equity (ytd only) | -11.9250% | 6,974 |
| Net charge-offs to loans | 2.1745% | 842 |
| Credit loss provision to net charge-offs | 136.4250% | 2,934 |
| Earnings coverage of net charge-offs (x) | 0.4847% | 5,539 |
| Efficiency ratio | 72.4363% | 3,622 |
| Assets per employee ($millions) | 10.2888% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,980 |
| Loan loss allowance to noncurrent loans | 16.5253% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 8.1192% | 613 |
| Noncurrent loans to loans | 7.8513% | 673 |
| Net loans and leases to total assets | 65.1829% | 3,871 |
| Net loans and leases to deposits | 81.6701% | 3,160 |
| Net loans and leases to core deposits | 92.1870% | 2,774 |
| Total domestic deposits to total assets | 79.8125% | 5,767 |
| Equity capital to assets | 10.3874% | 3,660 |
| Core capital (leverage) ratio | 10.3935% | 2,809 |
| Tier 1 risk-based capital ratio | 15.9214% | 2,800 |
| Total risk-based capital ratio | 17.1722% | 2,746 |
| Memoranda: | ||
| Average total assets | $393,925,500 | 1,700 |
| Average earning assets | $369,001,250 | 1,657 |
| Average equity | $40,988,500 | 1,618 |
| Average total loans | $272,359,250 | 1,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 4,129 |
| Cost of funding earning assets | 2.2893% | 351 |
| Net interest margin | 2.8729% | 7,046 |
| Noninterest income to average assets | 0.0304% | 7,431 |
| Noninterest expense to average assets | 1.8181% | 7,367 |
| Loan and lease loss provision to assets | 2.8741% | 354 |
| Net operating income to assets | -1.5300% | 7,159 |
| Return on assets (ROA) | -1.8445% | 7,273 |
| Pretax return on assets | -2.3575% | 7,335 |
| Return on Equity (ROE) | -17.7166% | 7,222 |
| Retained earnings to average equity (ytd only) | -17.7166% | 7,191 |
| Net charge-offs to loans | 2.1243% | 854 |
| Credit loss provision to net charge-offs | 192.8304% | 2,046 |
| Earnings coverage of net charge-offs (x) | 0.6171% | 5,127 |
| Efficiency ratio | 66.4077% | 4,906 |
| Assets per employee ($millions) | 9.9806% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,184 |
| Loan loss allowance to noncurrent loans | 35.1383% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 4.0407% | 1,706 |
| Noncurrent loans to loans | 4.7528% | 1,489 |
| Net loans and leases to total assets | 68.8102% | 3,170 |
| Net loans and leases to deposits | 86.6367% | 2,411 |
| Net loans and leases to core deposits | 98.0255% | 2,227 |
| Total domestic deposits to total assets | 79.4239% | 5,913 |
| Equity capital to assets | 10.4238% | 3,502 |
| Core capital (leverage) ratio | 10.4248% | 2,689 |
| Tier 1 risk-based capital ratio | 16.0019% | 2,668 |
| Total risk-based capital ratio | 17.2586% | 2,627 |
| Memoranda: | ||
| Average total assets | $394,909,000 | 1,707 |
| Average earning assets | $372,165,670 | 1,659 |
| Average equity | $41,114,000 | 1,607 |
| Average total loans | $277,079,330 | 1,650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 4,432 |
| Cost of funding earning assets | 2.3444% | 368 |
| Net interest margin | 2.7764% | 7,218 |
| Noninterest income to average assets | 0.0332% | 7,543 |
| Noninterest expense to average assets | 1.8907% | 7,344 |
| Loan and lease loss provision to assets | 5.5564% | 127 |
| Net operating income to assets | -4.6744% | 7,764 |
| Return on assets (ROA) | -4.6744% | 7,770 |
| Pretax return on assets | -4.7961% | 7,750 |
| Return on Equity (ROE) | -44.9256% | 7,684 |
| Retained earnings to average equity (ytd only) | -44.9256% | 7,672 |
| Net charge-offs to loans | 4.1542% | 314 |
| Credit loss provision to net charge-offs | 190.3859% | 1,936 |
| Earnings coverage of net charge-offs (x) | 0.2605% | 4,814 |
| Efficiency ratio | 71.3202% | 4,064 |
| Assets per employee ($millions) | 9.8306% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,423 |
| Loan loss allowance to noncurrent loans | 42.5165% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 3.4342% | 2,052 |
| Noncurrent loans to loans | 3.7731% | 2,102 |
| Net loans and leases to total assets | 69.2578% | 3,096 |
| Net loans and leases to deposits | 88.4366% | 2,150 |
| Net loans and leases to core deposits | 100.0911% | 2,119 |
| Total domestic deposits to total assets | 78.3135% | 6,239 |
| Equity capital to assets | 9.9715% | 3,907 |
| Core capital (leverage) ratio | 10.1587% | 2,971 |
| Tier 1 risk-based capital ratio | 15.3275% | 2,955 |
| Total risk-based capital ratio | 16.5833% | 2,904 |
| Memoranda: | ||
| Average total assets | $397,742,000 | 1,736 |
| Average earning assets | $375,019,000 | 1,686 |
| Average equity | $41,384,000 | 1,614 |
| Average total loans | $279,425,000 | 1,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 4,488 |
| Cost of funding earning assets | 2.8723% | 340 |
| Net interest margin | 2.5684% | 7,358 |
| Noninterest income to average assets | 0.0855% | 7,329 |
| Noninterest expense to average assets | 1.6607% | 7,733 |
| Loan and lease loss provision to assets | 2.0949% | 1,010 |
| Net operating income to assets | -0.8927% | 6,507 |
| Return on assets (ROA) | -0.9096% | 6,518 |
| Pretax return on assets | -1.2529% | 6,574 |
| Return on Equity (ROE) | -8.1096% | 6,476 |
| Retained earnings to average equity (ytd only) | -8.1096% | 6,354 |
| Net charge-offs to loans | 3.3171% | 604 |
| Credit loss provision to net charge-offs | 85.6388% | 6,143 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 5,762 |
| Efficiency ratio | 65.7486% | 5,446 |
| Assets per employee ($millions) | 10.0566% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 7,485 |
| Loan loss allowance to noncurrent loans | 17.0275% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 3.3153% | 2,065 |
| Noncurrent loans to loans | 3.7831% | 1,982 |
| Net loans and leases to total assets | 69.6700% | 3,326 |
| Net loans and leases to deposits | 90.8848% | 2,066 |
| Net loans and leases to core deposits | 135.5177% | 976 |
| Total domestic deposits to total assets | 76.6575% | 6,560 |
| Equity capital to assets | 10.8283% | 2,842 |
| Core capital (leverage) ratio | 10.9472% | 2,253 |
| Tier 1 risk-based capital ratio | 16.6119% | 2,270 |
| Total risk-based capital ratio | 17.2995% | 2,427 |
| Memoranda: | ||
| Average total assets | $402,492,400 | 1,703 |
| Average earning assets | $382,414,400 | 1,640 |
| Average equity | $45,144,000 | 1,487 |
| Average total loans | $296,821,200 | 1,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 4,493 |
| Cost of funding earning assets | 2.9526% | 380 |
| Net interest margin | 2.5327% | 7,424 |
| Noninterest income to average assets | 0.0828% | 7,487 |
| Noninterest expense to average assets | 1.6991% | 7,765 |
| Loan and lease loss provision to assets | 1.1516% | 1,685 |
| Net operating income to assets | -0.7177% | 6,620 |
| Return on assets (ROA) | -0.7704% | 6,670 |
| Pretax return on assets | -0.4094% | 6,211 |
| Return on Equity (ROE) | -6.8099% | 6,645 |
| Retained earnings to average equity (ytd only) | -6.8099% | 6,486 |
| Net charge-offs to loans | 1.3208% | 1,550 |
| Credit loss provision to net charge-offs | 116.7954% | 4,353 |
| Earnings coverage of net charge-offs (x) | 0.8062% | 5,246 |
| Efficiency ratio | 68.1275% | 4,947 |
| Assets per employee ($millions) | 10.1328% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,660 |
| Loan loss allowance to noncurrent loans | 36.1882% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.1896% | 2,126 |
| Noncurrent loans to loans | 3.5194% | 2,130 |
| Net loans and leases to total assets | 71.3555% | 3,186 |
| Net loans and leases to deposits | 93.6080% | 1,948 |
| Net loans and leases to core deposits | 136.0049% | 1,095 |
| Total domestic deposits to total assets | 76.2280% | 6,544 |
| Equity capital to assets | 10.8778% | 3,139 |
| Core capital (leverage) ratio | 10.7789% | 2,573 |
| Tier 1 risk-based capital ratio | 16.2771% | 2,523 |
| Total risk-based capital ratio | 17.5289% | 2,461 |
| Memoranda: | ||
| Average total assets | $402,550,000 | 1,718 |
| Average earning assets | $383,241,250 | 1,660 |
| Average equity | $45,540,500 | 1,502 |
| Average total loans | $300,508,250 | 1,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 4,384 |
| Cost of funding earning assets | 3.0484% | 411 |
| Net interest margin | 2.4918% | 7,491 |
| Noninterest income to average assets | 0.0687% | 7,643 |
| Noninterest expense to average assets | 1.6846% | 7,846 |
| Loan and lease loss provision to assets | 1.4700% | 1,177 |
| Net operating income to assets | -1.2285% | 7,129 |
| Return on assets (ROA) | -1.3077% | 7,172 |
| Pretax return on assets | -0.7933% | 6,676 |
| Return on Equity (ROE) | -11.4114% | 7,135 |
| Retained earnings to average equity (ytd only) | -11.4114% | 7,001 |
| Net charge-offs to loans | 1.9648% | 945 |
| Credit loss provision to net charge-offs | 99.1602% | 4,642 |
| Earnings coverage of net charge-offs (x) | 0.5099% | 5,192 |
| Efficiency ratio | 69.0267% | 4,977 |
| Assets per employee ($millions) | 10.6271% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,648 |
| Loan loss allowance to noncurrent loans | 28.4960% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 3.0243% | 2,097 |
| Noncurrent loans to loans | 3.8376% | 1,771 |
| Net loans and leases to total assets | 73.7081% | 2,785 |
| Net loans and leases to deposits | 96.8431% | 1,678 |
| Net loans and leases to core deposits | 136.7659% | 1,173 |
| Total domestic deposits to total assets | 76.1108% | 6,521 |
| Equity capital to assets | 10.8124% | 3,104 |
| Core capital (leverage) ratio | 10.6807% | 2,680 |
| Tier 1 risk-based capital ratio | 16.1066% | 2,587 |
| Total risk-based capital ratio | 17.3455% | 2,540 |
| Memoranda: | ||
| Average total assets | $401,629,000 | 1,745 |
| Average earning assets | $382,293,000 | 1,692 |
| Average equity | $46,024,330 | 1,495 |
| Average total loans | $303,029,670 | 1,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 4,534 |
| Cost of funding earning assets | 3.1312% | 416 |
| Net interest margin | 2.4366% | 7,576 |
| Noninterest income to average assets | 0.0729% | 7,691 |
| Noninterest expense to average assets | 1.7856% | 7,718 |
| Loan and lease loss provision to assets | 2.5736% | 444 |
| Net operating income to assets | -0.6991% | 7,057 |
| Return on assets (ROA) | -0.6991% | 7,094 |
| Pretax return on assets | -1.9744% | 7,525 |
| Return on Equity (ROE) | -5.9316% | 7,057 |
| Retained earnings to average equity (ytd only) | -5.9316% | 6,673 |
| Net charge-offs to loans | 2.8638% | 454 |
| Credit loss provision to net charge-offs | 118.3739% | 3,309 |
| Earnings coverage of net charge-offs (x) | 0.2756% | 4,752 |
| Efficiency ratio | 74.8744% | 3,685 |
| Assets per employee ($millions) | 10.3237% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 4,543 |
| Loan loss allowance to noncurrent loans | 53.5833% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 3,335 |
| Noncurrent loans to loans | 2.3084% | 2,847 |
| Net loans and leases to total assets | 73.6945% | 2,832 |
| Net loans and leases to deposits | 98.3884% | 1,611 |
| Net loans and leases to core deposits | 137.1535% | 1,239 |
| Total domestic deposits to total assets | 74.9016% | 6,728 |
| Equity capital to assets | 11.4579% | 2,617 |
| Core capital (leverage) ratio | 11.5553% | 2,114 |
| Tier 1 risk-based capital ratio | 17.5996% | 2,155 |
| Total risk-based capital ratio | 18.8518% | 2,096 |
| Memoranda: | ||
| Average total assets | $400,528,000 | 1,762 |
| Average earning assets | $380,044,000 | 1,709 |
| Average equity | $47,204,500 | 1,461 |
| Average total loans | $304,071,000 | 1,643 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0652% | 5,232 |
| Cost of funding earning assets | 3.4585% | 585 |
| Net interest margin | 2.6068% | 7,638 |
| Noninterest income to average assets | 0.0784% | 7,750 |
| Noninterest expense to average assets | 1.6610% | 7,903 |
| Loan and lease loss provision to assets | 3.7613% | 187 |
| Net operating income to assets | -1.4499% | 7,445 |
| Return on assets (ROA) | -1.5144% | 7,414 |
| Pretax return on assets | -2.9486% | 7,696 |
| Return on Equity (ROE) | -11.6469% | 7,400 |
| Retained earnings to average equity (ytd only) | -11.6469% | 7,220 |
| Net charge-offs to loans | -0.0020% | 7,744 |
| Credit loss provision to net charge-offs | -240,750.0000% | 7,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5191% | 5,449 |
| Assets per employee ($millions) | 10.2162% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 5,435 |
| Loan loss allowance to noncurrent loans | 48.5505% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 2,839 |
| Noncurrent loans to loans | 2.2196% | 2,484 |
| Net loans and leases to total assets | 76.3990% | 2,521 |
| Net loans and leases to deposits | 105.0786% | 1,221 |
| Net loans and leases to core deposits | 143.7383% | 1,102 |
| Total domestic deposits to total assets | 72.7066% | 6,881 |
| Equity capital to assets | 12.1167% | 2,214 |
| Core capital (leverage) ratio | 11.3111% | 2,361 |
| Tier 1 risk-based capital ratio | 16.5767% | 2,460 |
| Total risk-based capital ratio | 17.8080% | 2,397 |
| Memoranda: | ||
| Average total assets | $384,041,800 | 1,761 |
| Average earning assets | $367,736,200 | 1,693 |
| Average equity | $49,936,200 | 1,355 |
| Average total loans | $293,978,600 | 1,642 |