Home > Newtek Bank > Performance and Condition Ratios
Newtek Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4322% | 104 |
| Cost of funding earning assets | 4.0816% | 40 |
| Net interest margin | 4.3506% | 748 |
| Noninterest income to average assets | 19.5500% | 73 |
| Noninterest expense to average assets | 12.7958% | 95 |
| Loan and lease loss provision to assets | 2.4700% | 18 |
| Net operating income to assets | 5.7014% | 67 |
| Return on assets (ROA) | 5.7014% | 68 |
| Pretax return on assets | 8.0240% | 58 |
| Return on Equity (ROE) | 34.4000% | 130 |
| Retained earnings to average equity (ytd only) | 26.8906% | 60 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.7660% | 3,622 |
| Assets per employee ($millions) | 2.0914% | 4,444 |
| Cash dividends to net income (ytd only)* | 21.8300% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0276% | 115 |
| Loan loss allowance to noncurrent loans | 233.5194% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 626 |
| Noncurrent loans to loans | 1.2965% | 539 |
| Net loans and leases to total assets | 60.8100% | 2,772 |
| Net loans and leases to deposits | 77.4176% | 2,320 |
| Net loans and leases to core deposits | 90.2115% | 2,036 |
| Total domestic deposits to total assets | 78.5400% | 3,667 |
| Equity capital to assets | 15.3634% | 519 |
| Core capital (leverage) ratio | 16.1783% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1373% | 530 |
| Memoranda: | ||
| Average total assets | $474,038,800 | 1,788 |
| Average earning assets | $407,343,600 | 1,889 |
| Average equity | $78,566,400 | 1,147 |
| Average total loans | $276,637,400 | 1,888 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1305% | 108 |
| Cost of funding earning assets | 4.1016% | 41 |
| Net interest margin | 4.0288% | 1,178 |
| Noninterest income to average assets | 18.3500% | 73 |
| Noninterest expense to average assets | 13.8102% | 89 |
| Loan and lease loss provision to assets | 2.2900% | 28 |
| Net operating income to assets | 3.7557% | 121 |
| Return on assets (ROA) | 3.7557% | 121 |
| Pretax return on assets | 5.7010% | 86 |
| Return on Equity (ROE) | 22.0400% | 554 |
| Retained earnings to average equity (ytd only) | 18.3762% | 323 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.1326% | 2,603 |
| Assets per employee ($millions) | 1.8202% | 4,482 |
| Cash dividends to net income (ytd only)* | 16.6154% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4913% | 199 |
| Loan loss allowance to noncurrent loans | 156.1834% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 590 |
| Noncurrent loans to loans | 1.5951% | 440 |
| Net loans and leases to total assets | 55.8600% | 3,213 |
| Net loans and leases to deposits | 72.3166% | 2,691 |
| Net loans and leases to core deposits | 82.5131% | 2,436 |
| Total domestic deposits to total assets | 77.2400% | 3,902 |
| Equity capital to assets | 15.7167% | 471 |
| Core capital (leverage) ratio | 14.8920% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0261% | 382 |
| Memoranda: | ||
| Average total assets | $427,326,500 | 1,929 |
| Average earning assets | $366,185,000 | 2,020 |
| Average equity | $72,824,250 | 1,206 |
| Average total loans | $242,193,000 | 2,046 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2935% | 145 |
| Cost of funding earning assets | 3.6359% | 33 |
| Net interest margin | 3.6575% | 1,901 |
| Noninterest income to average assets | 17.9300% | 72 |
| Noninterest expense to average assets | 15.6238% | 79 |
| Loan and lease loss provision to assets | 2.0600% | 27 |
| Net operating income to assets | 2.2252% | 343 |
| Return on assets (ROA) | 2.2252% | 335 |
| Pretax return on assets | 3.3875% | 155 |
| Return on Equity (ROE) | 12.5600% | 1,995 |
| Retained earnings to average equity (ytd only) | 12.5617% | 875 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.8952% | 1,356 |
| Assets per employee ($millions) | 1.7757% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 563 |
| Loan loss allowance to noncurrent loans | 142.2090% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 914 |
| Noncurrent loans to loans | 1.2883% | 549 |
| Net loans and leases to total assets | 44.9200% | 3,843 |
| Net loans and leases to deposits | 57.0623% | 3,584 |
| Net loans and leases to core deposits | 76.4406% | 2,734 |
| Total domestic deposits to total assets | 78.7300% | 3,758 |
| Equity capital to assets | 14.8799% | 535 |
| Core capital (leverage) ratio | 16.8757% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3637% | 271 |
| Memoranda: | ||
| Average total assets | $378,038,000 | 2,088 |
| Average earning assets | $324,318,333 | 2,208 |
| Average equity | $66,965,333 | 1,282 |
| Average total loans | $213,087,333 | 2,201 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,052 |
| Cost of funding earning assets | 2.4794% | 103 |
| Net interest margin | 2.1345% | 4,521 |
| Noninterest income to average assets | 14.5500% | 81 |
| Noninterest expense to average assets | 18.9501% | 72 |
| Loan and lease loss provision to assets | 1.8900% | 37 |
| Net operating income to assets | -4.2344% | 4,667 |
| Return on assets (ROA) | -4.2344% | 4,665 |
| Pretax return on assets | -4.2344% | 4,661 |
| Return on Equity (ROE) | -20.3500% | 4,634 |
| Retained earnings to average equity (ytd only) | -20.3520% | 4,595 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 113.7097% | 87 |
| Assets per employee ($millions) | 1.1377% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,348 |
| Loan loss allowance to noncurrent loans | 65.3433% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 455 |
| Noncurrent loans to loans | 1.5888% | 405 |
| Net loans and leases to total assets | 58.6000% | 2,811 |
| Net loans and leases to deposits | 84.4580% | 1,467 |
| Net loans and leases to core deposits | 154.6002% | 111 |
| Total domestic deposits to total assets | 69.3800% | 4,431 |
| Equity capital to assets | 22.3661% | 186 |
| Core capital (leverage) ratio | 25.6783% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.5633% | 117 |
| Memoranda: | ||
| Average total assets | $282,067,500 | 2,547 |
| Average earning assets | $271,352,000 | 2,499 |
| Average equity | $58,687,000 | 1,418 |
| Average total loans | $189,037,000 | 2,378 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 2,079 |
| Cost of funding earning assets | 1.1324% | 92 |
| Net interest margin | 2.7325% | 4,007 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 2.1059% | 3,277 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.5866% | 3,912 |
| Return on assets (ROA) | 0.5866% | 3,873 |
| Pretax return on assets | 0.6426% | 3,954 |
| Return on Equity (ROE) | 3.2400% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.2394% | 3,649 |
| Net charge-offs to loans | -0.0226% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.1290% | 843 |
| Assets per employee ($millions) | 9.4559% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,062 |
| Loan loss allowance to noncurrent loans | 77.5821% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 185 |
| Noncurrent loans to loans | 2.0034% | 282 |
| Net loans and leases to total assets | 79.1300% | 682 |
| Net loans and leases to deposits | 116.2227% | 95 |
| Net loans and leases to core deposits | 153.9848% | 86 |
| Total domestic deposits to total assets | 68.0900% | 4,505 |
| Equity capital to assets | 18.1355% | 283 |
| Core capital (leverage) ratio | 18.0026% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5888% | 389 |
| Memoranda: | ||
| Average total assets | $205,426,200 | 3,008 |
| Average earning assets | $201,790,800 | 2,917 |
| Average equity | $37,198,000 | 2,029 |
| Average total loans | $163,358,400 | 2,516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 2,000 |
| Cost of funding earning assets | 1.0567% | 49 |
| Net interest margin | 2.6579% | 4,011 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 2.0757% | 3,280 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 0.6244% | 3,770 |
| Return on assets (ROA) | 0.6244% | 3,723 |
| Pretax return on assets | 0.6771% | 3,838 |
| Return on Equity (ROE) | 3.4500% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.4496% | 3,646 |
| Net charge-offs to loans | -0.0304% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.1460% | 826 |
| Assets per employee ($millions) | 8.9517% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,252 |
| Loan loss allowance to noncurrent loans | 74.8657% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 197 |
| Noncurrent loans to loans | 2.0248% | 300 |
| Net loans and leases to total assets | 79.1400% | 606 |
| Net loans and leases to deposits | 117.3669% | 65 |
| Net loans and leases to core deposits | 155.0651% | 55 |
| Total domestic deposits to total assets | 67.4300% | 4,570 |
| Equity capital to assets | 18.1938% | 262 |
| Core capital (leverage) ratio | 17.9780% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3548% | 415 |
| Memoranda: | ||
| Average total assets | $204,775,500 | 3,034 |
| Average earning assets | $201,254,500 | 2,943 |
| Average equity | $37,065,750 | 2,062 |
| Average total loans | $162,393,500 | 2,524 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 1,737 |
| Cost of funding earning assets | 0.9681% | 41 |
| Net interest margin | 2.6664% | 3,781 |
| Noninterest income to average assets | 0.0098% | 4,720 |
| Noninterest expense to average assets | 2.2475% | 2,713 |
| Loan and lease loss provision to assets | -0.1986% | 4,682 |
| Net operating income to assets | 0.5470% | 3,773 |
| Return on assets (ROA) | 0.5470% | 3,726 |
| Pretax return on assets | 0.5832% | 3,844 |
| Return on Equity (ROE) | 3.0270% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.0270% | 3,437 |
| Net charge-offs to loans | -0.0037% | 3,261 |
| Credit loss provision to net charge-offs | 6,766.6667% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3903% | 601 |
| Assets per employee ($millions) | 8.1805% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,313 |
| Loan loss allowance to noncurrent loans | 73.7612% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 219 |
| Noncurrent loans to loans | 2.0822% | 308 |
| Net loans and leases to total assets | 74.4825% | 865 |
| Net loans and leases to deposits | 108.5597% | 103 |
| Net loans and leases to core deposits | 144.9701% | 64 |
| Total domestic deposits to total assets | 68.6097% | 4,631 |
| Equity capital to assets | 17.4261% | 253 |
| Core capital (leverage) ratio | 18.2284% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9390% | 369 |
| Memoranda: | ||
| Average total assets | $204,404,333 | 3,072 |
| Average earning assets | $201,021,000 | 2,982 |
| Average equity | $36,934,667 | 2,115 |
| Average total loans | $161,374,000 | 2,537 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7121% | 1,247 |
| Cost of funding earning assets | 0.9148% | 50 |
| Net interest margin | 2.7973% | 3,150 |
| Noninterest income to average assets | 0.0100% | 4,740 |
| Noninterest expense to average assets | 2.3090% | 2,470 |
| Loan and lease loss provision to assets | -0.4554% | 4,752 |
| Net operating income to assets | 0.8689% | 2,423 |
| Return on assets (ROA) | 0.8689% | 2,412 |
| Pretax return on assets | 0.9108% | 2,732 |
| Return on Equity (ROE) | 4.7193% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.7193% | 2,697 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5260% | 885 |
| Assets per employee ($millions) | 7.7224% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,355 |
| Loan loss allowance to noncurrent loans | 72.9254% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.6685% | 204 |
| Noncurrent loans to loans | 2.1500% | 321 |
| Net loans and leases to total assets | 76.3878% | 482 |
| Net loans and leases to deposits | 106.2854% | 96 |
| Net loans and leases to core deposits | 143.5835% | 51 |
| Total domestic deposits to total assets | 71.8705% | 4,629 |
| Equity capital to assets | 18.4484% | 214 |
| Core capital (leverage) ratio | 19.0001% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7901% | 342 |
| Memoranda: | ||
| Average total assets | $200,260,000 | 3,103 |
| Average earning assets | $197,192,500 | 3,023 |
| Average equity | $36,870,000 | 2,185 |
| Average total loans | $161,616,000 | 2,535 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 1,578 |
| Cost of funding earning assets | 1.1576% | 35 |
| Net interest margin | 2.7526% | 3,772 |
| Noninterest income to average assets | 0.0113% | 4,785 |
| Noninterest expense to average assets | 2.3063% | 2,775 |
| Loan and lease loss provision to assets | -0.1927% | 4,686 |
| Net operating income to assets | 0.5462% | 3,992 |
| Return on assets (ROA) | 0.5462% | 4,042 |
| Pretax return on assets | 0.6052% | 4,099 |
| Return on Equity (ROE) | 3.0608% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.0608% | 3,610 |
| Net charge-offs to loans | 0.0213% | 1,843 |
| Credit loss provision to net charge-offs | -1,059.4595% | 3,929 |
| Earnings coverage of net charge-offs (x) | 22.6757% | 1,794 |
| Efficiency ratio | 84.8282% | 529 |
| Assets per employee ($millions) | 7.9895% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,273 |
| Loan loss allowance to noncurrent loans | 58.8845% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.2710% | 127 |
| Noncurrent loans to loans | 2.7094% | 240 |
| Net loans and leases to total assets | 82.4805% | 161 |
| Net loans and leases to deposits | 111.6855% | 75 |
| Net loans and leases to core deposits | 141.0174% | 66 |
| Total domestic deposits to total assets | 73.8507% | 4,591 |
| Equity capital to assets | 18.3736% | 242 |
| Core capital (leverage) ratio | 17.6601% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1298% | 435 |
| Memoranda: | ||
| Average total assets | $203,396,000 | 3,040 |
| Average earning assets | $200,067,200 | 2,950 |
| Average equity | $36,297,800 | 2,233 |
| Average total loans | $173,923,000 | 2,432 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 1,594 |
| Cost of funding earning assets | 1.1966% | 33 |
| Net interest margin | 2.7795% | 3,826 |
| Noninterest income to average assets | 0.0104% | 4,861 |
| Noninterest expense to average assets | 2.3043% | 2,743 |
| Loan and lease loss provision to assets | -0.2296% | 4,774 |
| Net operating income to assets | 0.6291% | 3,953 |
| Return on assets (ROA) | 0.6291% | 4,006 |
| Pretax return on assets | 0.6689% | 4,121 |
| Return on Equity (ROE) | 3.5508% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.5508% | 3,731 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9914% | 520 |
| Assets per employee ($millions) | 7.7837% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,400 |
| Loan loss allowance to noncurrent loans | 82.0299% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 300 |
| Noncurrent loans to loans | 1.9234% | 468 |
| Net loans and leases to total assets | 81.5698% | 211 |
| Net loans and leases to deposits | 110.7624% | 92 |
| Net loans and leases to core deposits | 138.3134% | 87 |
| Total domestic deposits to total assets | 73.6439% | 4,653 |
| Equity capital to assets | 17.4067% | 307 |
| Core capital (leverage) ratio | 17.6491% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3391% | 510 |
| Memoranda: | ||
| Average total assets | $204,310,500 | 3,068 |
| Average earning assets | $200,897,000 | 2,981 |
| Average equity | $36,197,500 | 2,265 |
| Average total loans | $175,549,750 | 2,458 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 1,444 |
| Cost of funding earning assets | 1.2355% | 36 |
| Net interest margin | 2.8178% | 3,753 |
| Noninterest income to average assets | 0.0119% | 4,895 |
| Noninterest expense to average assets | 2.2751% | 2,845 |
| Loan and lease loss provision to assets | -0.3667% | 4,869 |
| Net operating income to assets | 0.8282% | 3,427 |
| Return on assets (ROA) | 0.8282% | 3,501 |
| Pretax return on assets | 0.8737% | 3,720 |
| Return on Equity (ROE) | 4.6466% | 4,199 |
| Retained earnings to average equity (ytd only) | 4.6466% | 3,312 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7762% | 684 |
| Assets per employee ($millions) | 7.2704% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,387 |
| Loan loss allowance to noncurrent loans | 81.4627% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6456% | 320 |
| Noncurrent loans to loans | 1.9173% | 515 |
| Net loans and leases to total assets | 84.4913% | 119 |
| Net loans and leases to deposits | 115.8188% | 70 |
| Net loans and leases to core deposits | 143.6089% | 81 |
| Total domestic deposits to total assets | 72.9513% | 4,692 |
| Equity capital to assets | 17.9039% | 272 |
| Core capital (leverage) ratio | 18.5508% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3092% | 524 |
| Memoranda: | ||
| Average total assets | $202,360,667 | 3,081 |
| Average earning assets | $198,952,000 | 2,990 |
| Average equity | $36,069,333 | 2,268 |
| Average total loans | $176,008,000 | 2,466 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 1,577 |
| Cost of funding earning assets | 1.2868% | 39 |
| Net interest margin | 2.7290% | 3,903 |
| Noninterest income to average assets | 0.0119% | 4,920 |
| Noninterest expense to average assets | 2.2978% | 2,802 |
| Loan and lease loss provision to assets | -0.6404% | 4,942 |
| Net operating income to assets | 1.0012% | 2,804 |
| Return on assets (ROA) | 1.0012% | 2,895 |
| Pretax return on assets | 1.0369% | 3,269 |
| Return on Equity (ROE) | 5.6298% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.6298% | 3,020 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2833% | 540 |
| Assets per employee ($millions) | 7.1353% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,361 |
| Loan loss allowance to noncurrent loans | 82.8955% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6768% | 344 |
| Noncurrent loans to loans | 1.8980% | 588 |
| Net loans and leases to total assets | 86.9536% | 67 |
| Net loans and leases to deposits | 114.7831% | 102 |
| Net loans and leases to core deposits | 139.5940% | 93 |
| Total domestic deposits to total assets | 75.7547% | 4,592 |
| Equity capital to assets | 18.0833% | 253 |
| Core capital (leverage) ratio | 18.0720% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9784% | 515 |
| Memoranda: | ||
| Average total assets | $201,756,000 | 3,077 |
| Average earning assets | $198,315,000 | 2,986 |
| Average equity | $35,880,500 | 2,269 |
| Average total loans | $176,648,000 | 2,464 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 2,322 |
| Cost of funding earning assets | 1.5512% | 64 |
| Net interest margin | 2.5845% | 4,518 |
| Noninterest income to average assets | 0.0151% | 4,929 |
| Noninterest expense to average assets | 2.0910% | 3,946 |
| Loan and lease loss provision to assets | 0.4274% | 683 |
| Net operating income to assets | 0.0296% | 4,712 |
| Return on assets (ROA) | 0.0296% | 4,747 |
| Pretax return on assets | 0.0342% | 4,740 |
| Return on Equity (ROE) | 0.1646% | 4,758 |
| Retained earnings to average equity (ytd only) | -13.0030% | 4,936 |
| Net charge-offs to loans | 0.2013% | 857 |
| Credit loss provision to net charge-offs | 248.5411% | 1,946 |
| Earnings coverage of net charge-offs (x) | 2.6844% | 3,142 |
| Efficiency ratio | 81.9157% | 752 |
| Assets per employee ($millions) | 7.5478% | 1,249 |
| Cash dividends to net income (ytd only)* | 8,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 940 |
| Loan loss allowance to noncurrent loans | 92.5373% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 410 |
| Noncurrent loans to loans | 1.8948% | 633 |
| Net loans and leases to total assets | 85.2333% | 121 |
| Net loans and leases to deposits | 115.4386% | 107 |
| Net loans and leases to core deposits | 142.6693% | 110 |
| Total domestic deposits to total assets | 73.8343% | 4,642 |
| Equity capital to assets | 17.5171% | 301 |
| Core capital (leverage) ratio | 17.3817% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8621% | 514 |
| Memoranda: | ||
| Average total assets | $219,224,400 | 2,799 |
| Average earning assets | $215,246,000 | 2,709 |
| Average equity | $39,491,000 | 2,036 |
| Average total loans | $187,251,400 | 2,352 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,478 |
| Cost of funding earning assets | 1.5803% | 81 |
| Net interest margin | 2.5853% | 4,582 |
| Noninterest income to average assets | 0.0167% | 4,957 |
| Noninterest expense to average assets | 2.0626% | 4,021 |
| Loan and lease loss provision to assets | 0.7114% | 294 |
| Net operating income to assets | -0.2618% | 4,848 |
| Return on assets (ROA) | -0.2618% | 4,856 |
| Pretax return on assets | -0.2187% | 4,843 |
| Return on Equity (ROE) | -1.4441% | 4,847 |
| Retained earnings to average equity (ytd only) | -2.1035% | 4,710 |
| Net charge-offs to loans | 0.0176% | 2,513 |
| Credit loss provision to net charge-offs | 4,760.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 32.9600% | 1,512 |
| Efficiency ratio | 80.7251% | 818 |
| Assets per employee ($millions) | 7.9809% | 1,001 |
| Cash dividends to net income (ytd only)* | -45.6621% | 5,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 459 |
| Loan loss allowance to noncurrent loans | 100.0810% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 427 |
| Noncurrent loans to loans | 2.0451% | 591 |
| Net loans and leases to total assets | 85.4527% | 178 |
| Net loans and leases to deposits | 120.7873% | 106 |
| Net loans and leases to core deposits | 150.0004% | 116 |
| Total domestic deposits to total assets | 70.7464% | 4,732 |
| Equity capital to assets | 19.3713% | 230 |
| Core capital (leverage) ratio | 18.6148% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1628% | 400 |
| Memoranda: | ||
| Average total assets | $223,083,000 | 2,753 |
| Average earning assets | $219,028,750 | 2,666 |
| Average equity | $40,439,250 | 1,992 |
| Average total loans | $189,865,000 | 2,321 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,572 |
| Cost of funding earning assets | 1.5938% | 119 |
| Net interest margin | 2.6682% | 4,587 |
| Noninterest income to average assets | 0.0158% | 4,980 |
| Noninterest expense to average assets | 2.0326% | 4,162 |
| Loan and lease loss provision to assets | 0.9024% | 248 |
| Net operating income to assets | -0.3522% | 4,891 |
| Return on assets (ROA) | -0.3522% | 4,890 |
| Pretax return on assets | -0.2996% | 4,865 |
| Return on Equity (ROE) | -1.9842% | 4,871 |
| Retained earnings to average equity (ytd only) | -2.9713% | 4,653 |
| Net charge-offs to loans | 0.0259% | 2,201 |
| Credit loss provision to net charge-offs | 4,120.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 27.5200% | 1,489 |
| Efficiency ratio | 77.1277% | 1,143 |
| Assets per employee ($millions) | 8.2597% | 883 |
| Cash dividends to net income (ytd only)* | -49.7512% | 5,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 488 |
| Loan loss allowance to noncurrent loans | 82.4227% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 392 |
| Noncurrent loans to loans | 2.3526% | 521 |
| Net loans and leases to total assets | 80.3876% | 557 |
| Net loans and leases to deposits | 113.3462% | 166 |
| Net loans and leases to core deposits | 140.6291% | 162 |
| Total domestic deposits to total assets | 70.9222% | 4,752 |
| Equity capital to assets | 18.0398% | 299 |
| Core capital (leverage) ratio | 17.7686% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1019% | 400 |
| Memoranda: | ||
| Average total assets | $228,276,333 | 2,691 |
| Average earning assets | $224,123,667 | 2,593 |
| Average equity | $40,520,333 | 1,974 |
| Average total loans | $192,812,667 | 2,274 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 2,237 |
| Cost of funding earning assets | 1.6351% | 168 |
| Net interest margin | 2.8909% | 4,446 |
| Noninterest income to average assets | 0.0156% | 5,032 |
| Noninterest expense to average assets | 2.0181% | 4,366 |
| Loan and lease loss provision to assets | 1.0013% | 213 |
| Net operating income to assets | -0.2391% | 4,867 |
| Return on assets (ROA) | -0.2391% | 4,841 |
| Pretax return on assets | -0.1646% | 4,795 |
| Return on Equity (ROE) | -1.3574% | 4,815 |
| Retained earnings to average equity (ytd only) | -3.3247% | 4,386 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6917% | 2,260 |
| Assets per employee ($millions) | 8.4853% | 628 |
| Cash dividends to net income (ytd only)* | -144.9275% | 5,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,056 |
| Loan loss allowance to noncurrent loans | 476.0305% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,304 |
| Noncurrent loans to loans | 0.3369% | 3,288 |
| Net loans and leases to total assets | 83.5052% | 300 |
| Net loans and leases to deposits | 120.2290% | 75 |
| Net loans and leases to core deposits | 149.3831% | 116 |
| Total domestic deposits to total assets | 69.4551% | 4,872 |
| Equity capital to assets | 17.6773% | 383 |
| Core capital (leverage) ratio | 17.8596% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5638% | 525 |
| Memoranda: | ||
| Average total assets | $230,908,500 | 2,618 |
| Average earning assets | $226,782,000 | 2,519 |
| Average equity | $40,665,000 | 1,962 |
| Average total loans | $197,809,500 | 2,202 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 3,213 |
| Cost of funding earning assets | 1.6744% | 213 |
| Net interest margin | 2.7367% | 4,811 |
| Noninterest income to average assets | 0.0591% | 5,015 |
| Noninterest expense to average assets | 1.9934% | 4,544 |
| Loan and lease loss provision to assets | -0.0802% | 5,051 |
| Net operating income to assets | 0.7593% | 3,674 |
| Return on assets (ROA) | 0.7593% | 3,753 |
| Pretax return on assets | 0.8352% | 3,907 |
| Return on Equity (ROE) | 4.3014% | 4,398 |
| Retained earnings to average equity (ytd only) | -1.0723% | 4,810 |
| Net charge-offs to loans | 0.0045% | 3,517 |
| Credit loss provision to net charge-offs | -2,066.6667% | 4,604 |
| Earnings coverage of net charge-offs (x) | 194.5556% | 406 |
| Efficiency ratio | 72.5290% | 1,792 |
| Assets per employee ($millions) | 8.6191% | 571 |
| Cash dividends to net income (ytd only)* | 124.9290% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.3615% | 214 |
| Net loans and leases to deposits | 121.3257% | 78 |
| Net loans and leases to core deposits | 151.9955% | 110 |
| Total domestic deposits to total assets | 70.3573% | 4,919 |
| Equity capital to assets | 17.5455% | 409 |
| Core capital (leverage) ratio | 17.9435% | 342 |
| Tier 1 risk-based capital ratio | 21.4712% | 1,088 |
| Total risk-based capital ratio | 22.7222% | 1,065 |
| Memoranda: | ||
| Average total assets | $231,919,000 | 2,564 |
| Average earning assets | $227,904,000 | 2,478 |
| Average equity | $40,939,800 | 1,890 |
| Average total loans | $200,834,800 | 2,161 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 3,392 |
| Cost of funding earning assets | 1.6769% | 219 |
| Net interest margin | 2.7128% | 4,932 |
| Noninterest income to average assets | 0.0708% | 5,070 |
| Noninterest expense to average assets | 2.0754% | 4,402 |
| Loan and lease loss provision to assets | 0.0247% | 3,399 |
| Net operating income to assets | 0.5777% | 4,350 |
| Return on assets (ROA) | 0.5777% | 4,398 |
| Pretax return on assets | 0.6375% | 4,474 |
| Return on Equity (ROE) | 3.2676% | 4,723 |
| Retained earnings to average equity (ytd only) | -2.2652% | 4,945 |
| Net charge-offs to loans | 0.0060% | 3,172 |
| Credit loss provision to net charge-offs | 477.7778% | 655 |
| Earnings coverage of net charge-offs (x) | 127.8858% | 613 |
| Efficiency ratio | 75.8092% | 1,354 |
| Assets per employee ($millions) | 8.4491% | 581 |
| Cash dividends to net income (ytd only)* | 169.3231% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.8032% | 102 |
| Net loans and leases to deposits | 120.3819% | 94 |
| Net loans and leases to core deposits | 156.0998% | 100 |
| Total domestic deposits to total assets | 72.9372% | 4,872 |
| Equity capital to assets | 17.7876% | 411 |
| Core capital (leverage) ratio | 17.4623% | 395 |
| Tier 1 risk-based capital ratio | 21.1101% | 1,181 |
| Total risk-based capital ratio | 22.3623% | 1,160 |
| Memoranda: | ||
| Average total assets | $231,720,000 | 2,591 |
| Average earning assets | $227,801,000 | 2,504 |
| Average equity | $40,967,000 | 1,894 |
| Average total loans | $200,746,250 | 2,178 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 3,621 |
| Cost of funding earning assets | 1.6409% | 234 |
| Net interest margin | 2.6652% | 5,028 |
| Noninterest income to average assets | 0.0953% | 5,057 |
| Noninterest expense to average assets | 2.0565% | 4,501 |
| Loan and lease loss provision to assets | 0.0249% | 3,309 |
| Net operating income to assets | 0.5753% | 4,369 |
| Return on assets (ROA) | 0.5753% | 4,406 |
| Pretax return on assets | 0.6346% | 4,481 |
| Return on Equity (ROE) | 3.2606% | 4,733 |
| Retained earnings to average equity (ytd only) | -3.5526% | 4,997 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7193% | 1,434 |
| Assets per employee ($millions) | 9.0099% | 460 |
| Cash dividends to net income (ytd only)* | 208.9552% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 84.6105% | 319 |
| Net loans and leases to deposits | 115.5848% | 123 |
| Net loans and leases to core deposits | 155.7378% | 105 |
| Total domestic deposits to total assets | 73.2021% | 4,889 |
| Equity capital to assets | 17.3075% | 436 |
| Core capital (leverage) ratio | 17.2292% | 405 |
| Tier 1 risk-based capital ratio | 21.1168% | 1,162 |
| Total risk-based capital ratio | 22.3690% | 1,146 |
| Memoranda: | ||
| Average total assets | $232,918,330 | 2,594 |
| Average earning assets | $229,025,670 | 2,508 |
| Average equity | $41,096,670 | 1,890 |
| Average total loans | $199,971,670 | 2,189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 3,639 |
| Cost of funding earning assets | 1.5826% | 243 |
| Net interest margin | 2.6903% | 5,074 |
| Noninterest income to average assets | 0.0362% | 5,243 |
| Noninterest expense to average assets | 2.1012% | 4,464 |
| Loan and lease loss provision to assets | 0.1171% | 1,499 |
| Net operating income to assets | 0.4099% | 4,710 |
| Return on assets (ROA) | 0.4099% | 4,722 |
| Pretax return on assets | 0.4616% | 4,758 |
| Return on Equity (ROE) | 2.3010% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.3010% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4062% | 1,222 |
| Assets per employee ($millions) | 8.9763% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 84.6545% | 315 |
| Net loans and leases to deposits | 116.3340% | 126 |
| Net loans and leases to core deposits | 159.3281% | 90 |
| Total domestic deposits to total assets | 72.7685% | 5,008 |
| Equity capital to assets | 17.7810% | 364 |
| Core capital (leverage) ratio | 18.0228% | 335 |
| Tier 1 risk-based capital ratio | 21.2530% | 1,133 |
| Total risk-based capital ratio | 22.5053% | 1,116 |
| Memoranda: | ||
| Average total assets | $232,249,000 | 2,623 |
| Average earning assets | $228,230,500 | 2,532 |
| Average equity | $41,373,000 | 1,876 |
| Average total loans | $199,472,500 | 2,216 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,259 |
| Cost of funding earning assets | 1.3454% | 181 |
| Net interest margin | 2.9096% | 4,907 |
| Noninterest income to average assets | 0.0424% | 5,285 |
| Noninterest expense to average assets | 2.0159% | 4,724 |
| Loan and lease loss provision to assets | -0.0100% | 5,108 |
| Net operating income to assets | 0.8124% | 3,755 |
| Return on assets (ROA) | 0.8124% | 3,758 |
| Pretax return on assets | 0.8921% | 3,918 |
| Return on Equity (ROE) | 4.4757% | 4,588 |
| Retained earnings to average equity (ytd only) | -2.4430% | 5,150 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5607% | 2,274 |
| Assets per employee ($millions) | 8.5598% | 540 |
| Cash dividends to net income (ytd only)* | 154.5842% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.7361% | 344 |
| Net loans and leases to deposits | 116.9183% | 133 |
| Net loans and leases to core deposits | 158.8941% | 97 |
| Total domestic deposits to total assets | 72.4746% | 5,046 |
| Equity capital to assets | 17.8475% | 354 |
| Core capital (leverage) ratio | 18.0097% | 327 |
| Tier 1 risk-based capital ratio | 21.3420% | 1,120 |
| Total risk-based capital ratio | 22.5938% | 1,099 |
| Memoranda: | ||
| Average total assets | $230,917,200 | 2,611 |
| Average earning assets | $226,630,400 | 2,506 |
| Average equity | $41,915,400 | 1,785 |
| Average total loans | $196,916,000 | 2,195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,151 |
| Cost of funding earning assets | 1.2987% | 160 |
| Net interest margin | 2.9510% | 4,914 |
| Noninterest income to average assets | 0.0439% | 5,351 |
| Noninterest expense to average assets | 2.0115% | 4,718 |
| Loan and lease loss provision to assets | -0.0606% | 5,311 |
| Net operating income to assets | 0.9055% | 3,501 |
| Return on assets (ROA) | 0.9055% | 3,506 |
| Pretax return on assets | 0.9893% | 3,749 |
| Return on Equity (ROE) | 4.9679% | 4,575 |
| Retained earnings to average equity (ytd only) | -4.2202% | 5,292 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4148% | 2,458 |
| Assets per employee ($millions) | 9.3312% | 395 |
| Cash dividends to net income (ytd only)* | 184.9494% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.5164% | 629 |
| Net loans and leases to deposits | 113.4225% | 199 |
| Net loans and leases to core deposits | 153.5146% | 113 |
| Total domestic deposits to total assets | 72.7513% | 5,078 |
| Equity capital to assets | 17.5419% | 373 |
| Core capital (leverage) ratio | 17.8750% | 339 |
| Tier 1 risk-based capital ratio | 21.3871% | 1,130 |
| Total risk-based capital ratio | 22.6389% | 1,114 |
| Memoranda: | ||
| Average total assets | $230,868,000 | 2,616 |
| Average earning assets | $226,585,250 | 2,520 |
| Average equity | $42,082,250 | 1,779 |
| Average total loans | $196,502,000 | 2,208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,682 |
| Cost of funding earning assets | 1.2673% | 142 |
| Net interest margin | 3.0584% | 4,797 |
| Noninterest income to average assets | 0.0478% | 5,404 |
| Noninterest expense to average assets | 2.0021% | 4,798 |
| Loan and lease loss provision to assets | -0.3356% | 5,501 |
| Net operating income to assets | 1.2875% | 1,830 |
| Return on assets (ROA) | 1.2875% | 1,828 |
| Pretax return on assets | 1.3814% | 2,215 |
| Return on Equity (ROE) | 6.9745% | 3,912 |
| Retained earnings to average equity (ytd only) | 2.7361% | 4,155 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6874% | 3,035 |
| Assets per employee ($millions) | 9.3265% | 400 |
| Cash dividends to net income (ytd only)* | 60.7698% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.5515% | 762 |
| Net loans and leases to deposits | 113.3169% | 209 |
| Net loans and leases to core deposits | 152.0758% | 107 |
| Total domestic deposits to total assets | 71.9677% | 5,188 |
| Equity capital to assets | 18.3717% | 296 |
| Core capital (leverage) ratio | 18.5258% | 293 |
| Tier 1 risk-based capital ratio | 22.4794% | 987 |
| Total risk-based capital ratio | 23.7229% | 965 |
| Memoranda: | ||
| Average total assets | $230,063,670 | 2,638 |
| Average earning assets | $225,676,000 | 2,548 |
| Average equity | $42,469,000 | 1,767 |
| Average total loans | $196,953,330 | 2,214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,850 |
| Cost of funding earning assets | 1.2233% | 124 |
| Net interest margin | 2.9869% | 4,898 |
| Noninterest income to average assets | 0.0490% | 5,476 |
| Noninterest expense to average assets | 2.0638% | 4,735 |
| Loan and lease loss provision to assets | -0.1190% | 5,518 |
| Net operating income to assets | 0.9540% | 3,058 |
| Return on assets (ROA) | 0.9540% | 3,077 |
| Pretax return on assets | 1.0363% | 3,407 |
| Return on Equity (ROE) | 5.1554% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.4257% | 4,736 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 2,628 |
| Assets per employee ($millions) | 9.1078% | 425 |
| Cash dividends to net income (ytd only)* | 91.7431% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 85.3998% | 306 |
| Net loans and leases to deposits | 119.2811% | 121 |
| Net loans and leases to core deposits | 163.8360% | 79 |
| Total domestic deposits to total assets | 71.5955% | 5,310 |
| Equity capital to assets | 18.5778% | 278 |
| Core capital (leverage) ratio | 18.5565% | 285 |
| Tier 1 risk-based capital ratio | 21.8607% | 1,072 |
| Total risk-based capital ratio | 23.1126% | 1,047 |
| Memoranda: | ||
| Average total assets | $228,514,000 | 2,672 |
| Average earning assets | $224,315,500 | 2,576 |
| Average equity | $42,285,500 | 1,784 |
| Average total loans | $199,170,000 | 2,204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 2,158 |
| Cost of funding earning assets | 1.1052% | 123 |
| Net interest margin | 3.2526% | 4,299 |
| Noninterest income to average assets | 0.0536% | 5,524 |
| Noninterest expense to average assets | 1.9801% | 4,992 |
| Loan and lease loss provision to assets | -0.1649% | 5,551 |
| Net operating income to assets | 1.2937% | 1,239 |
| Return on assets (ROA) | 1.2937% | 1,258 |
| Pretax return on assets | 1.4264% | 1,903 |
| Return on Equity (ROE) | 6.9495% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.3885% | 3,899 |
| Net charge-offs to loans | -0.1736% | 5,497 |
| Credit loss provision to net charge-offs | 107.2674% | 2,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0835% | 4,100 |
| Assets per employee ($millions) | 9.1733% | 428 |
| Cash dividends to net income (ytd only)* | 65.6304% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.5296% | 221 |
| Net loans and leases to deposits | 120.9557% | 105 |
| Net loans and leases to core deposits | 166.9752% | 71 |
| Total domestic deposits to total assets | 71.5382% | 5,346 |
| Equity capital to assets | 18.4318% | 280 |
| Core capital (leverage) ratio | 18.7366% | 250 |
| Tier 1 risk-based capital ratio | 21.3263% | 1,091 |
| Total risk-based capital ratio | 22.5781% | 1,069 |
| Memoranda: | ||
| Average total assets | $223,777,800 | 2,694 |
| Average earning assets | $219,335,000 | 2,587 |
| Average equity | $41,657,800 | 1,791 |
| Average total loans | $198,106,800 | 2,171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 2,848 |
| Cost of funding earning assets | 1.0796% | 124 |
| Net interest margin | 3.0576% | 4,800 |
| Noninterest income to average assets | 0.0504% | 5,610 |
| Noninterest expense to average assets | 1.9773% | 5,002 |
| Loan and lease loss provision to assets | -0.0893% | 5,576 |
| Net operating income to assets | 1.0618% | 2,276 |
| Return on assets (ROA) | 1.0618% | 2,309 |
| Pretax return on assets | 1.1595% | 3,073 |
| Return on Equity (ROE) | 5.6892% | 4,251 |
| Retained earnings to average equity (ytd only) | 0.2281% | 5,168 |
| Net charge-offs to loans | -0.0189% | 4,833 |
| Credit loss provision to net charge-offs | 532.1429% | 596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8829% | 3,386 |
| Assets per employee ($millions) | 8.9650% | 445 |
| Cash dividends to net income (ytd only)* | 95.9911% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.4735% | 176 |
| Net loans and leases to deposits | 126.5949% | 54 |
| Net loans and leases to core deposits | 176.8782% | 57 |
| Total domestic deposits to total assets | 69.0972% | 5,506 |
| Equity capital to assets | 18.4558% | 298 |
| Core capital (leverage) ratio | 18.7224% | 265 |
| Tier 1 risk-based capital ratio | 21.0147% | 1,194 |
| Total risk-based capital ratio | 22.2660% | 1,166 |
| Memoranda: | ||
| Average total assets | $222,389,250 | 2,730 |
| Average earning assets | $217,985,000 | 2,617 |
| Average equity | $41,504,750 | 1,813 |
| Average total loans | $197,334,000 | 2,186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,642 |
| Cost of funding earning assets | 1.0492% | 133 |
| Net interest margin | 3.1070% | 4,660 |
| Noninterest income to average assets | 0.0523% | 5,646 |
| Noninterest expense to average assets | 1.9819% | 5,013 |
| Loan and lease loss provision to assets | -0.3670% | 5,746 |
| Net operating income to assets | 1.3787% | 1,111 |
| Return on assets (ROA) | 1.3787% | 1,140 |
| Pretax return on assets | 1.4814% | 1,713 |
| Return on Equity (ROE) | 7.3595% | 3,361 |
| Retained earnings to average equity (ytd only) | 1.1022% | 4,801 |
| Net charge-offs to loans | -0.0284% | 4,933 |
| Credit loss provision to net charge-offs | 1,453.5714% | 300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0070% | 3,671 |
| Assets per employee ($millions) | 9.1576% | 400 |
| Cash dividends to net income (ytd only)* | 85.0229% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 88.0559% | 143 |
| Net loans and leases to deposits | 131.2215% | 41 |
| Net loans and leases to core deposits | 178.6356% | 58 |
| Total domestic deposits to total assets | 67.1048% | 5,618 |
| Equity capital to assets | 18.8900% | 267 |
| Core capital (leverage) ratio | 18.9635% | 242 |
| Tier 1 risk-based capital ratio | 21.3951% | 1,130 |
| Total risk-based capital ratio | 22.6333% | 1,113 |
| Memoranda: | ||
| Average total assets | $221,810,670 | 2,753 |
| Average earning assets | $217,318,670 | 2,636 |
| Average equity | $41,551,670 | 1,802 |
| Average total loans | $196,874,670 | 2,195 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,117 |
| Cost of funding earning assets | 1.0258% | 146 |
| Net interest margin | 3.2184% | 4,281 |
| Noninterest income to average assets | 0.0556% | 5,716 |
| Noninterest expense to average assets | 1.9603% | 5,131 |
| Loan and lease loss provision to assets | -0.5996% | 5,837 |
| Net operating income to assets | 1.7341% | 516 |
| Return on assets (ROA) | 1.7341% | 522 |
| Pretax return on assets | 1.8490% | 725 |
| Return on Equity (ROE) | 9.2954% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.4464% | 2,630 |
| Net charge-offs to loans | -0.0284% | 4,904 |
| Credit loss provision to net charge-offs | 2,385.7143% | 146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0738% | 4,305 |
| Assets per employee ($millions) | 8.9079% | 441 |
| Cash dividends to net income (ytd only)* | 41.4079% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 87.2041% | 147 |
| Net loans and leases to deposits | 129.3733% | 39 |
| Net loans and leases to core deposits | 172.4315% | 54 |
| Total domestic deposits to total assets | 67.4050% | 5,687 |
| Equity capital to assets | 18.7924% | 262 |
| Core capital (leverage) ratio | 18.5758% | 254 |
| Tier 1 risk-based capital ratio | 21.5738% | 1,142 |
| Total risk-based capital ratio | 22.8241% | 1,120 |
| Memoranda: | ||
| Average total assets | $222,824,500 | 2,767 |
| Average earning assets | $218,366,500 | 2,655 |
| Average equity | $41,569,000 | 1,791 |
| Average total loans | $197,344,000 | 2,204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,886 |
| Cost of funding earning assets | 0.9741% | 202 |
| Net interest margin | 3.1177% | 4,677 |
| Noninterest income to average assets | 0.0517% | 5,766 |
| Noninterest expense to average assets | 1.9603% | 5,265 |
| Loan and lease loss provision to assets | 0.0785% | 2,796 |
| Net operating income to assets | 0.9638% | 2,521 |
| Return on assets (ROA) | 0.9638% | 2,622 |
| Pretax return on assets | 1.0607% | 3,257 |
| Return on Equity (ROE) | 5.1116% | 4,372 |
| Retained earnings to average equity (ytd only) | 2.6635% | 4,007 |
| Net charge-offs to loans | -0.1064% | 5,610 |
| Credit loss provision to net charge-offs | -86.2944% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2465% | 4,069 |
| Assets per employee ($millions) | 8.9181% | 430 |
| Cash dividends to net income (ytd only)* | 47.8927% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 2,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 87.5709% | 146 |
| Net loans and leases to deposits | 135.2862% | 31 |
| Net loans and leases to core deposits | 181.1393% | 47 |
| Total domestic deposits to total assets | 64.7301% | 5,779 |
| Equity capital to assets | 18.5188% | 275 |
| Core capital (leverage) ratio | 18.6193% | 245 |
| Tier 1 risk-based capital ratio | 20.9675% | 1,211 |
| Total risk-based capital ratio | 22.2197% | 1,194 |
| Memoranda: | ||
| Average total assets | $216,646,600 | 2,791 |
| Average earning assets | $211,789,800 | 2,683 |
| Average equity | $40,848,000 | 1,818 |
| Average total loans | $185,154,600 | 2,258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,893 |
| Cost of funding earning assets | 0.9751% | 192 |
| Net interest margin | 3.1206% | 4,717 |
| Noninterest income to average assets | 0.0539% | 5,827 |
| Noninterest expense to average assets | 2.0247% | 5,152 |
| Loan and lease loss provision to assets | 0.0353% | 3,532 |
| Net operating income to assets | 0.9392% | 2,708 |
| Return on assets (ROA) | 0.9392% | 2,836 |
| Pretax return on assets | 1.0434% | 3,458 |
| Return on Equity (ROE) | 4.9584% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.6674% | 4,311 |
| Net charge-offs to loans | -0.0879% | 5,526 |
| Credit loss provision to net charge-offs | -47.5000% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2417% | 3,724 |
| Assets per employee ($millions) | 8.8773% | 429 |
| Cash dividends to net income (ytd only)* | 46.2046% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.6846% | 439 |
| Net loans and leases to deposits | 127.0031% | 61 |
| Net loans and leases to core deposits | 164.7284% | 75 |
| Total domestic deposits to total assets | 65.8918% | 5,821 |
| Equity capital to assets | 18.4903% | 304 |
| Core capital (leverage) ratio | 18.9869% | 233 |
| Tier 1 risk-based capital ratio | 21.4986% | 1,194 |
| Total risk-based capital ratio | 22.7502% | 1,180 |
| Memoranda: | ||
| Average total assets | $215,070,250 | 2,813 |
| Average earning assets | $210,168,750 | 2,703 |
| Average equity | $40,738,000 | 1,835 |
| Average total loans | $181,937,250 | 2,292 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,526 |
| Cost of funding earning assets | 0.9778% | 190 |
| Net interest margin | 3.2176% | 4,492 |
| Noninterest income to average assets | 0.0602% | 5,891 |
| Noninterest expense to average assets | 2.0556% | 5,159 |
| Loan and lease loss provision to assets | -0.1579% | 5,919 |
| Net operating income to assets | 1.2022% | 1,592 |
| Return on assets (ROA) | 1.2022% | 1,686 |
| Pretax return on assets | 1.3112% | 2,360 |
| Return on Equity (ROE) | 6.2945% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.8328% | 2,845 |
| Net charge-offs to loans | -0.0690% | 5,493 |
| Credit loss provision to net charge-offs | 270.9677% | 1,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0598% | 4,004 |
| Assets per employee ($millions) | 8.5049% | 477 |
| Cash dividends to net income (ytd only)* | 23.2213% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.7332% | 442 |
| Net loans and leases to deposits | 128.9191% | 50 |
| Net loans and leases to core deposits | 170.1919% | 67 |
| Total domestic deposits to total assets | 64.9502% | 5,917 |
| Equity capital to assets | 19.3780% | 239 |
| Core capital (leverage) ratio | 19.1626% | 224 |
| Tier 1 risk-based capital ratio | 22.6925% | 1,051 |
| Total risk-based capital ratio | 23.9427% | 1,034 |
| Memoranda: | ||
| Average total assets | $212,783,000 | 2,858 |
| Average earning assets | $208,229,670 | 2,730 |
| Average equity | $40,638,670 | 1,830 |
| Average total loans | $179,811,000 | 2,318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 3,511 |
| Cost of funding earning assets | 0.9565% | 219 |
| Net interest margin | 2.9635% | 5,196 |
| Noninterest income to average assets | 0.0676% | 5,915 |
| Noninterest expense to average assets | 2.0614% | 5,200 |
| Loan and lease loss provision to assets | 0.2687% | 629 |
| Net operating income to assets | 0.5506% | 4,422 |
| Return on assets (ROA) | 0.5506% | 4,521 |
| Pretax return on assets | 0.6370% | 4,712 |
| Return on Equity (ROE) | 2.9041% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.9041% | 4,064 |
| Net charge-offs to loans | -0.0691% | 5,485 |
| Credit loss provision to net charge-offs | -461.2903% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4744% | 3,218 |
| Assets per employee ($millions) | 8.7678% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.8928% | 382 |
| Net loans and leases to deposits | 126.4539% | 50 |
| Net loans and leases to core deposits | 164.2899% | 72 |
| Total domestic deposits to total assets | 66.3426% | 5,962 |
| Equity capital to assets | 18.4818% | 292 |
| Core capital (leverage) ratio | 19.1909% | 228 |
| Tier 1 risk-based capital ratio | 21.6202% | 1,215 |
| Total risk-based capital ratio | 22.8721% | 1,194 |
| Memoranda: | ||
| Average total assets | $212,863,000 | 2,857 |
| Average earning assets | $208,264,500 | 2,738 |
| Average equity | $40,357,000 | 1,832 |
| Average total loans | $179,543,500 | 2,315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,211 |
| Cost of funding earning assets | 0.8755% | 324 |
| Net interest margin | 3.1517% | 4,771 |
| Noninterest income to average assets | 0.0501% | 6,006 |
| Noninterest expense to average assets | 2.1793% | 5,091 |
| Loan and lease loss provision to assets | 0.0857% | 2,579 |
| Net operating income to assets | 0.7799% | 3,421 |
| Return on assets (ROA) | 0.7799% | 3,496 |
| Pretax return on assets | 0.8729% | 3,943 |
| Return on Equity (ROE) | 3.7171% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.2274% | 5,017 |
| Net charge-offs to loans | -0.0854% | 5,731 |
| Credit loss provision to net charge-offs | -120.5882% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4523% | 3,313 |
| Assets per employee ($millions) | 8.2613% | 504 |
| Cash dividends to net income (ytd only)* | 66.9792% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.4051% | 555 |
| Net loans and leases to deposits | 121.0287% | 92 |
| Net loans and leases to core deposits | 155.2403% | 91 |
| Total domestic deposits to total assets | 68.0873% | 5,969 |
| Equity capital to assets | 19.4657% | 228 |
| Core capital (leverage) ratio | 20.0021% | 199 |
| Tier 1 risk-based capital ratio | 22.7501% | 1,047 |
| Total risk-based capital ratio | 24.0012% | 1,032 |
| Memoranda: | ||
| Average total assets | $191,434,800 | 3,031 |
| Average earning assets | $187,552,400 | 2,918 |
| Average equity | $40,165,800 | 1,791 |
| Average total loans | $159,305,400 | 2,482 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,458 |
| Cost of funding earning assets | 0.8690% | 348 |
| Net interest margin | 3.1023% | 4,963 |
| Noninterest income to average assets | 0.0483% | 6,104 |
| Noninterest expense to average assets | 2.2260% | 4,975 |
| Loan and lease loss provision to assets | 0.1250% | 1,812 |
| Net operating income to assets | 0.6515% | 4,124 |
| Return on assets (ROA) | 0.6515% | 4,235 |
| Pretax return on assets | 0.7361% | 4,549 |
| Return on Equity (ROE) | 3.0447% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.0447% | 4,275 |
| Net charge-offs to loans | -0.0932% | 5,756 |
| Credit loss provision to net charge-offs | -161.4679% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1059% | 2,859 |
| Assets per employee ($millions) | 7.7008% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 2,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.9644% | 478 |
| Net loans and leases to deposits | 126.4762% | 55 |
| Net loans and leases to core deposits | 152.3202% | 100 |
| Total domestic deposits to total assets | 65.5968% | 6,100 |
| Equity capital to assets | 21.1131% | 194 |
| Core capital (leverage) ratio | 21.3102% | 160 |
| Tier 1 risk-based capital ratio | 24.1495% | 937 |
| Total risk-based capital ratio | 25.4013% | 919 |
| Memoranda: | ||
| Average total assets | $187,660,500 | 3,106 |
| Average earning assets | $183,817,000 | 2,985 |
| Average equity | $40,156,500 | 1,810 |
| Average total loans | $155,979,500 | 2,534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 3,501 |
| Cost of funding earning assets | 0.8711% | 335 |
| Net interest margin | 3.0764% | 5,027 |
| Noninterest income to average assets | 0.0441% | 6,189 |
| Noninterest expense to average assets | 2.2285% | 5,028 |
| Loan and lease loss provision to assets | 0.0430% | 3,248 |
| Net operating income to assets | 0.7063% | 3,861 |
| Return on assets (ROA) | 0.7063% | 3,982 |
| Pretax return on assets | 0.7869% | 4,357 |
| Return on Equity (ROE) | 3.2856% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.2856% | 3,959 |
| Net charge-offs to loans | -0.0754% | 5,690 |
| Credit loss provision to net charge-offs | -68.9655% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8647% | 2,866 |
| Assets per employee ($millions) | 7.8253% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.4921% | 339 |
| Net loans and leases to deposits | 124.9799% | 67 |
| Net loans and leases to core deposits | 150.5679% | 104 |
| Total domestic deposits to total assets | 67.6045% | 6,126 |
| Equity capital to assets | 21.4981% | 166 |
| Core capital (leverage) ratio | 21.5763% | 146 |
| Tier 1 risk-based capital ratio | 24.3373% | 924 |
| Total risk-based capital ratio | 25.5883% | 914 |
| Memoranda: | ||
| Average total assets | $186,040,670 | 3,147 |
| Average earning assets | $182,293,000 | 3,025 |
| Average equity | $39,993,000 | 1,820 |
| Average total loans | $153,931,330 | 2,568 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,823 |
| Cost of funding earning assets | 0.8674% | 345 |
| Net interest margin | 2.9830% | 5,264 |
| Noninterest income to average assets | 0.0454% | 6,243 |
| Noninterest expense to average assets | 2.2683% | 4,952 |
| Loan and lease loss provision to assets | 0.1404% | 1,459 |
| Net operating income to assets | 0.5012% | 4,678 |
| Return on assets (ROA) | 0.5012% | 4,799 |
| Pretax return on assets | 0.5638% | 5,013 |
| Return on Equity (ROE) | 2.3315% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.3315% | 4,525 |
| Net charge-offs to loans | 0.0053% | 3,135 |
| Credit loss provision to net charge-offs | 3,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 336 |
| Efficiency ratio | 76.3081% | 2,466 |
| Assets per employee ($millions) | 7.5794% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 2,761 |
| Loan loss allowance to noncurrent loans | 346.9745% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,660 |
| Noncurrent loans to loans | 0.4140% | 4,347 |
| Net loans and leases to total assets | 78.9013% | 810 |
| Net loans and leases to deposits | 111.4618% | 190 |
| Net loans and leases to core deposits | 133.6602% | 209 |
| Total domestic deposits to total assets | 70.7878% | 6,092 |
| Equity capital to assets | 21.0739% | 181 |
| Core capital (leverage) ratio | 21.9321% | 134 |
| Tier 1 risk-based capital ratio | 25.6761% | 818 |
| Total risk-based capital ratio | 26.9278% | 801 |
| Memoranda: | ||
| Average total assets | $185,157,500 | 3,175 |
| Average earning assets | $181,696,000 | 3,050 |
| Average equity | $39,802,000 | 1,838 |
| Average total loans | $150,449,000 | 2,615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,312 |
| Cost of funding earning assets | 1.1458% | 107 |
| Net interest margin | 3.5522% | 3,596 |
| Noninterest income to average assets | 0.0287% | 6,342 |
| Noninterest expense to average assets | 2.2312% | 5,280 |
| Loan and lease loss provision to assets | -0.4591% | 6,439 |
| Net operating income to assets | 1.6189% | 684 |
| Return on assets (ROA) | 1.6189% | 715 |
| Pretax return on assets | 1.7412% | 908 |
| Return on Equity (ROE) | 7.5804% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.7775% | 3,533 |
| Net charge-offs to loans | -0.0894% | 6,088 |
| Credit loss provision to net charge-offs | 618.9781% | 426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5075% | 4,672 |
| Assets per employee ($millions) | 7.5345% | 652 |
| Cash dividends to net income (ytd only)* | 50.1672% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,862 |
| Loan loss allowance to noncurrent loans | 55.0755% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 1,159 |
| Noncurrent loans to loans | 2.5749% | 977 |
| Net loans and leases to total assets | 81.3454% | 590 |
| Net loans and leases to deposits | 117.1977% | 124 |
| Net loans and leases to core deposits | 134.4878% | 205 |
| Total domestic deposits to total assets | 69.4087% | 6,219 |
| Equity capital to assets | 21.9390% | 154 |
| Core capital (leverage) ratio | 22.2027% | 137 |
| Tier 1 risk-based capital ratio | 26.0640% | 760 |
| Total risk-based capital ratio | 27.3158% | 743 |
| Memoranda: | ||
| Average total assets | $184,699,000 | 3,162 |
| Average earning assets | $181,185,400 | 3,026 |
| Average equity | $39,443,600 | 1,793 |
| Average total loans | $153,180,200 | 2,525 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 991 |
| Cost of funding earning assets | 1.2397% | 72 |
| Net interest margin | 3.6314% | 3,305 |
| Noninterest income to average assets | 0.0452% | 6,396 |
| Noninterest expense to average assets | 2.2915% | 5,132 |
| Loan and lease loss provision to assets | -0.3512% | 6,493 |
| Net operating income to assets | 1.5418% | 859 |
| Return on assets (ROA) | 1.5418% | 892 |
| Pretax return on assets | 1.6682% | 1,141 |
| Return on Equity (ROE) | 7.2680% | 3,573 |
| Retained earnings to average equity (ytd only) | 7.2680% | 1,689 |
| Net charge-offs to loans | -0.1038% | 6,150 |
| Credit loss provision to net charge-offs | 407.5000% | 684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5025% | 4,631 |
| Assets per employee ($millions) | 7.2202% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 2,306 |
| Loan loss allowance to noncurrent loans | 63.4323% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.1468% | 1,300 |
| Noncurrent loans to loans | 2.5212% | 1,157 |
| Net loans and leases to total assets | 83.7860% | 347 |
| Net loans and leases to deposits | 119.5824% | 101 |
| Net loans and leases to core deposits | 132.8610% | 206 |
| Total domestic deposits to total assets | 70.0655% | 6,284 |
| Equity capital to assets | 22.3269% | 148 |
| Core capital (leverage) ratio | 21.4640% | 158 |
| Tier 1 risk-based capital ratio | 26.2750% | 762 |
| Total risk-based capital ratio | 27.5210% | 743 |
| Memoranda: | ||
| Average total assets | $185,666,500 | 3,183 |
| Average earning assets | $182,184,000 | 3,032 |
| Average equity | $39,386,500 | 1,810 |
| Average total loans | $154,172,250 | 2,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 460 |
| Cost of funding earning assets | 1.3155% | 52 |
| Net interest margin | 3.9475% | 1,982 |
| Noninterest income to average assets | 0.0438% | 6,458 |
| Noninterest expense to average assets | 2.2990% | 5,159 |
| Loan and lease loss provision to assets | -0.4152% | 6,565 |
| Net operating income to assets | 1.8806% | 426 |
| Return on assets (ROA) | 1.8806% | 440 |
| Pretax return on assets | 2.0354% | 518 |
| Return on Equity (ROE) | 9.0170% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.0170% | 981 |
| Net charge-offs to loans | -0.1244% | 6,210 |
| Credit loss provision to net charge-offs | 405.2083% | 689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6601% | 5,473 |
| Assets per employee ($millions) | 7.4783% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 2,268 |
| Loan loss allowance to noncurrent loans | 42.6815% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 3.1756% | 784 |
| Noncurrent loans to loans | 3.8819% | 627 |
| Net loans and leases to total assets | 80.4490% | 632 |
| Net loans and leases to deposits | 110.1949% | 204 |
| Net loans and leases to core deposits | 132.6101% | 203 |
| Total domestic deposits to total assets | 73.0061% | 6,187 |
| Equity capital to assets | 21.3589% | 165 |
| Core capital (leverage) ratio | 21.6775% | 139 |
| Tier 1 risk-based capital ratio | 26.1242% | 760 |
| Total risk-based capital ratio | 27.3794% | 747 |
| Memoranda: | ||
| Average total assets | $187,387,330 | 3,179 |
| Average earning assets | $183,965,330 | 3,027 |
| Average equity | $39,081,670 | 1,812 |
| Average total loans | $154,331,330 | 2,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 295 |
| Cost of funding earning assets | 1.3568% | 50 |
| Net interest margin | 4.1291% | 1,394 |
| Noninterest income to average assets | 0.0362% | 6,523 |
| Noninterest expense to average assets | 2.3347% | 5,113 |
| Loan and lease loss provision to assets | -0.6759% | 6,687 |
| Net operating income to assets | 2.2686% | 210 |
| Return on assets (ROA) | 2.2686% | 220 |
| Pretax return on assets | 2.4328% | 252 |
| Return on Equity (ROE) | 11.0098% | 1,676 |
| Retained earnings to average equity (ytd only) | 11.0098% | 742 |
| Net charge-offs to loans | -0.2142% | 6,406 |
| Credit loss provision to net charge-offs | 381.9277% | 673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0610% | 5,749 |
| Assets per employee ($millions) | 7.3519% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 2,355 |
| Loan loss allowance to noncurrent loans | 48.7498% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 2.8939% | 1,006 |
| Noncurrent loans to loans | 3.4869% | 839 |
| Net loans and leases to total assets | 81.5830% | 391 |
| Net loans and leases to deposits | 110.9912% | 139 |
| Net loans and leases to core deposits | 131.5333% | 176 |
| Total domestic deposits to total assets | 73.5041% | 6,276 |
| Equity capital to assets | 21.3250% | 161 |
| Core capital (leverage) ratio | 20.8921% | 168 |
| Tier 1 risk-based capital ratio | 25.7716% | 807 |
| Total risk-based capital ratio | 27.0273% | 785 |
| Memoranda: | ||
| Average total assets | $187,602,500 | 3,196 |
| Average earning assets | $184,253,500 | 3,044 |
| Average equity | $38,656,500 | 1,820 |
| Average total loans | $155,027,500 | 2,523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,508 |
| Cost of funding earning assets | 1.6361% | 33 |
| Net interest margin | 2.7844% | 6,006 |
| Noninterest income to average assets | 0.0261% | 6,600 |
| Noninterest expense to average assets | 2.1062% | 5,818 |
| Loan and lease loss provision to assets | -0.3342% | 6,692 |
| Net operating income to assets | 0.8908% | 2,829 |
| Return on assets (ROA) | 0.8908% | 2,922 |
| Pretax return on assets | 0.9786% | 3,436 |
| Return on Equity (ROE) | 4.6815% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.0441% | 4,786 |
| Net charge-offs to loans | -0.0351% | 6,255 |
| Credit loss provision to net charge-offs | 1,189.2857% | 213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5736% | 2,694 |
| Assets per employee ($millions) | 7.6563% | 560 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,079 |
| Loan loss allowance to noncurrent loans | 39.0848% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 3.7789% | 730 |
| Noncurrent loans to loans | 4.5920% | 575 |
| Net loans and leases to total assets | 80.8157% | 514 |
| Net loans and leases to deposits | 107.8078% | 210 |
| Net loans and leases to core deposits | 134.0976% | 165 |
| Total domestic deposits to total assets | 74.9628% | 6,201 |
| Equity capital to assets | 19.9146% | 211 |
| Core capital (leverage) ratio | 19.9619% | 202 |
| Tier 1 risk-based capital ratio | 24.3460% | 920 |
| Total risk-based capital ratio | 25.6028% | 905 |
| Memoranda: | ||
| Average total assets | $199,268,600 | 3,039 |
| Average earning assets | $194,976,200 | 2,889 |
| Average equity | $37,914,800 | 1,831 |
| Average total loans | $159,679,600 | 2,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,672 |
| Cost of funding earning assets | 1.7246% | 26 |
| Net interest margin | 2.6510% | 6,247 |
| Noninterest income to average assets | 0.0265% | 6,685 |
| Noninterest expense to average assets | 2.1215% | 5,787 |
| Loan and lease loss provision to assets | -0.2147% | 6,729 |
| Net operating income to assets | 0.6506% | 4,121 |
| Return on assets (ROA) | 0.6506% | 4,243 |
| Pretax return on assets | 0.7116% | 4,655 |
| Return on Equity (ROE) | 3.4579% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.4579% | 4,229 |
| Net charge-offs to loans | -0.0358% | 6,208 |
| Credit loss provision to net charge-offs | 753.4884% | 379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0223% | 1,968 |
| Assets per employee ($millions) | 7.2495% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 1,737 |
| Loan loss allowance to noncurrent loans | 43.0149% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 3.8926% | 820 |
| Noncurrent loans to loans | 4.6325% | 688 |
| Net loans and leases to total assets | 82.3537% | 338 |
| Net loans and leases to deposits | 114.6646% | 107 |
| Net loans and leases to core deposits | 147.0598% | 100 |
| Total domestic deposits to total assets | 71.8214% | 6,507 |
| Equity capital to assets | 20.2921% | 202 |
| Core capital (leverage) ratio | 21.0149% | 162 |
| Tier 1 risk-based capital ratio | 24.2336% | 963 |
| Total risk-based capital ratio | 25.4929% | 947 |
| Memoranda: | ||
| Average total assets | $201,234,000 | 3,046 |
| Average earning assets | $196,753,500 | 2,887 |
| Average equity | $37,864,000 | 1,844 |
| Average total loans | $160,221,000 | 2,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 3,081 |
| Cost of funding earning assets | 1.8684% | 15 |
| Net interest margin | 2.4002% | 6,553 |
| Noninterest income to average assets | 0.0273% | 6,735 |
| Noninterest expense to average assets | 2.0985% | 5,869 |
| Loan and lease loss provision to assets | -0.2667% | 6,816 |
| Net operating income to assets | 0.4993% | 4,802 |
| Return on assets (ROA) | 0.4993% | 4,977 |
| Pretax return on assets | 0.5412% | 5,234 |
| Return on Equity (ROE) | 2.7189% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,585 |
| Net charge-offs to loans | -0.0323% | 6,120 |
| Credit loss provision to net charge-offs | 1,053.8462% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4331% | 1,181 |
| Assets per employee ($millions) | 7.2289% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 1,750 |
| Loan loss allowance to noncurrent loans | 38.5471% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 4.2387% | 797 |
| Noncurrent loans to loans | 5.3101% | 585 |
| Net loans and leases to total assets | 78.1882% | 728 |
| Net loans and leases to deposits | 111.0968% | 125 |
| Net loans and leases to core deposits | 158.2633% | 75 |
| Total domestic deposits to total assets | 70.3785% | 6,646 |
| Equity capital to assets | 19.4457% | 237 |
| Core capital (leverage) ratio | 18.9378% | 235 |
| Tier 1 risk-based capital ratio | 24.2414% | 972 |
| Total risk-based capital ratio | 25.5013% | 949 |
| Memoranda: | ||
| Average total assets | $205,483,000 | 2,998 |
| Average earning assets | $200,812,670 | 2,861 |
| Average equity | $37,736,000 | 1,863 |
| Average total loans | $160,834,000 | 2,427 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 3,221 |
| Cost of funding earning assets | 1.9090% | 14 |
| Net interest margin | 2.3094% | 6,682 |
| Noninterest income to average assets | 0.0266% | 6,796 |
| Noninterest expense to average assets | 2.0775% | 5,960 |
| Loan and lease loss provision to assets | -0.3741% | 6,930 |
| Net operating income to assets | 0.5602% | 4,412 |
| Return on assets (ROA) | 0.5602% | 4,569 |
| Pretax return on assets | 0.5792% | 5,026 |
| Return on Equity (ROE) | 3.1360% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.1360% | 4,387 |
| Net charge-offs to loans | -0.0196% | 5,700 |
| Credit loss provision to net charge-offs | 2,462.5000% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0150% | 1,063 |
| Assets per employee ($millions) | 7.7250% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 2,099 |
| Loan loss allowance to noncurrent loans | 38.8610% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 4.0072% | 994 |
| Noncurrent loans to loans | 5.0977% | 737 |
| Net loans and leases to total assets | 77.0496% | 715 |
| Net loans and leases to deposits | 113.8886% | 97 |
| Net loans and leases to core deposits | 160.4327% | 73 |
| Total domestic deposits to total assets | 67.6535% | 6,812 |
| Equity capital to assets | 18.1095% | 324 |
| Core capital (leverage) ratio | 17.9859% | 284 |
| Tier 1 risk-based capital ratio | 23.3333% | 1,105 |
| Total risk-based capital ratio | 24.5925% | 1,089 |
| Memoranda: | ||
| Average total assets | $210,635,000 | 2,974 |
| Average earning assets | $205,765,000 | 2,834 |
| Average equity | $37,627,000 | 1,882 |
| Average total loans | $163,353,000 | 2,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 1,765 |
| Cost of funding earning assets | 2.1652% | 14 |
| Net interest margin | 2.7576% | 6,432 |
| Noninterest income to average assets | 0.0271% | 6,762 |
| Noninterest expense to average assets | 2.0405% | 6,254 |
| Loan and lease loss provision to assets | -0.1275% | 6,940 |
| Net operating income to assets | 0.7383% | 3,560 |
| Return on assets (ROA) | 0.7383% | 3,808 |
| Pretax return on assets | 0.7998% | 4,297 |
| Return on Equity (ROE) | 4.4433% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.4433% | 3,112 |
| Net charge-offs to loans | -0.0081% | 6,435 |
| Credit loss provision to net charge-offs | 2,014.2857% | 116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2167% | 2,872 |
| Assets per employee ($millions) | 7.8776% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 1,737 |
| Loan loss allowance to noncurrent loans | 39.9373% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 4.0462% | 1,054 |
| Noncurrent loans to loans | 5.2878% | 722 |
| Net loans and leases to total assets | 74.9029% | 1,066 |
| Net loans and leases to deposits | 117.7705% | 81 |
| Net loans and leases to core deposits | 168.8775% | 65 |
| Total domestic deposits to total assets | 63.6008% | 6,935 |
| Equity capital to assets | 17.6225% | 353 |
| Core capital (leverage) ratio | 17.1029% | 343 |
| Tier 1 risk-based capital ratio | 23.2959% | 1,068 |
| Total risk-based capital ratio | 24.5568% | 1,051 |
| Memoranda: | ||
| Average total assets | $221,174,000 | 2,829 |
| Average earning assets | $215,403,800 | 2,671 |
| Average equity | $36,752,000 | 1,889 |
| Average total loans | $173,010,400 | 2,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 1,460 |
| Cost of funding earning assets | 2.1999% | 14 |
| Net interest margin | 2.8851% | 6,386 |
| Noninterest income to average assets | 0.0269% | 6,873 |
| Noninterest expense to average assets | 2.0337% | 6,300 |
| Loan and lease loss provision to assets | 0.1164% | 4,103 |
| Net operating income to assets | 0.6461% | 4,165 |
| Return on assets (ROA) | 0.6461% | 4,420 |
| Pretax return on assets | 0.6849% | 4,911 |
| Return on Equity (ROE) | 3.9449% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.9449% | 4,106 |
| Net charge-offs to loans | 0.4723% | 2,207 |
| Credit loss provision to net charge-offs | 31.3505% | 4,779 |
| Earnings coverage of net charge-offs (x) | 2.1576% | 4,185 |
| Efficiency ratio | 71.7355% | 3,373 |
| Assets per employee ($millions) | 8.3039% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 2,235 |
| Loan loss allowance to noncurrent loans | 36.4790% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 4.1621% | 1,150 |
| Noncurrent loans to loans | 5.4190% | 798 |
| Net loans and leases to total assets | 75.2877% | 1,080 |
| Net loans and leases to deposits | 117.0388% | 90 |
| Net loans and leases to core deposits | 171.2012% | 66 |
| Total domestic deposits to total assets | 64.3272% | 7,009 |
| Equity capital to assets | 17.1004% | 442 |
| Core capital (leverage) ratio | 16.6040% | 415 |
| Tier 1 risk-based capital ratio | 22.6364% | 1,234 |
| Total risk-based capital ratio | 23.8958% | 1,209 |
| Memoranda: | ||
| Average total assets | $223,294,000 | 2,822 |
| Average earning assets | $217,339,750 | 2,670 |
| Average equity | $36,569,500 | 1,918 |
| Average total loans | $175,575,250 | 2,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 1,257 |
| Cost of funding earning assets | 2.2368% | 16 |
| Net interest margin | 2.9621% | 6,314 |
| Noninterest income to average assets | 0.0275% | 6,924 |
| Noninterest expense to average assets | 1.9773% | 6,482 |
| Loan and lease loss provision to assets | -0.0797% | 7,096 |
| Net operating income to assets | 0.9258% | 2,779 |
| Return on assets (ROA) | 0.9258% | 3,042 |
| Pretax return on assets | 1.0099% | 3,663 |
| Return on Equity (ROE) | 5.7335% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.7335% | 2,863 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0073% | 4,122 |
| Assets per employee ($millions) | 7.8374% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 2,097 |
| Loan loss allowance to noncurrent loans | 36.1103% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 4.4046% | 1,127 |
| Noncurrent loans to loans | 5.6938% | 799 |
| Net loans and leases to total assets | 75.7674% | 997 |
| Net loans and leases to deposits | 118.4219% | 79 |
| Net loans and leases to core deposits | 169.6948% | 72 |
| Total domestic deposits to total assets | 63.9809% | 7,081 |
| Equity capital to assets | 16.2268% | 542 |
| Core capital (leverage) ratio | 16.6545% | 395 |
| Tier 1 risk-based capital ratio | 21.3443% | 1,415 |
| Total risk-based capital ratio | 22.6048% | 1,391 |
| Memoranda: | ||
| Average total assets | $225,758,330 | 2,809 |
| Average earning assets | $219,507,000 | 2,653 |
| Average equity | $36,452,670 | 1,912 |
| Average total loans | $178,825,330 | 2,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 854 |
| Cost of funding earning assets | 2.2947% | 16 |
| Net interest margin | 3.1454% | 5,917 |
| Noninterest income to average assets | 0.0284% | 7,022 |
| Noninterest expense to average assets | 1.9983% | 6,463 |
| Loan and lease loss provision to assets | -0.4302% | 7,248 |
| Net operating income to assets | 1.4258% | 1,175 |
| Return on assets (ROA) | 1.4258% | 1,318 |
| Pretax return on assets | 1.5236% | 1,816 |
| Return on Equity (ROE) | 8.8525% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.8525% | 1,640 |
| Net charge-offs to loans | 0.0200% | 4,411 |
| Credit loss provision to net charge-offs | -2,688.8889% | 6,110 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 495 |
| Efficiency ratio | 64.6348% | 4,813 |
| Assets per employee ($millions) | 8.0019% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 2,486 |
| Loan loss allowance to noncurrent loans | 38.7220% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.9812% | 1,389 |
| Noncurrent loans to loans | 5.0634% | 1,104 |
| Net loans and leases to total assets | 77.0850% | 691 |
| Net loans and leases to deposits | 125.4837% | 54 |
| Net loans and leases to core deposits | 192.5462% | 56 |
| Total domestic deposits to total assets | 61.4303% | 7,178 |
| Equity capital to assets | 16.3501% | 520 |
| Core capital (leverage) ratio | 16.4803% | 417 |
| Tier 1 risk-based capital ratio | 21.1397% | 1,465 |
| Total risk-based capital ratio | 22.3988% | 1,433 |
| Memoranda: | ||
| Average total assets | $224,995,000 | 2,831 |
| Average earning assets | $219,116,000 | 2,662 |
| Average equity | $36,238,500 | 1,915 |
| Average total loans | $180,326,500 | 2,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 1,679 |
| Cost of funding earning assets | 2.3958% | 34 |
| Net interest margin | 2.9109% | 6,672 |
| Noninterest income to average assets | 0.0261% | 6,917 |
| Noninterest expense to average assets | 2.0483% | 6,585 |
| Loan and lease loss provision to assets | 0.3658% | 2,800 |
| Net operating income to assets | 0.4077% | 4,827 |
| Return on assets (ROA) | 0.4077% | 5,011 |
| Pretax return on assets | 0.4379% | 5,178 |
| Return on Equity (ROE) | 2.7647% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.7647% | 4,265 |
| Net charge-offs to loans | 0.2847% | 3,998 |
| Credit loss provision to net charge-offs | 160.8379% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.5337% | 3,481 |
| Efficiency ratio | 71.8187% | 3,614 |
| Assets per employee ($millions) | 8.0691% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 2,245 |
| Loan loss allowance to noncurrent loans | 39.3187% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 4.1707% | 1,358 |
| Noncurrent loans to loans | 5.1077% | 1,097 |
| Net loans and leases to total assets | 80.0147% | 494 |
| Net loans and leases to deposits | 133.9304% | 45 |
| Net loans and leases to core deposits | 211.6687% | 57 |
| Total domestic deposits to total assets | 59.7435% | 7,230 |
| Equity capital to assets | 15.8647% | 599 |
| Core capital (leverage) ratio | 15.7893% | 488 |
| Tier 1 risk-based capital ratio | 19.5323% | 1,751 |
| Total risk-based capital ratio | 20.7920% | 1,715 |
| Memoranda: | ||
| Average total assets | $241,365,600 | 2,621 |
| Average earning assets | $234,325,800 | 2,452 |
| Average equity | $35,592,200 | 1,902 |
| Average total loans | $192,848,400 | 2,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 1,452 |
| Cost of funding earning assets | 2.4146% | 35 |
| Net interest margin | 3.0075% | 6,570 |
| Noninterest income to average assets | 0.0266% | 7,028 |
| Noninterest expense to average assets | 1.9280% | 6,821 |
| Loan and lease loss provision to assets | 0.2865% | 3,221 |
| Net operating income to assets | 0.6465% | 3,888 |
| Return on assets (ROA) | 0.6465% | 4,065 |
| Pretax return on assets | 0.7302% | 4,376 |
| Return on Equity (ROE) | 4.4619% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.4619% | 3,546 |
| Net charge-offs to loans | 0.3755% | 3,226 |
| Credit loss provision to net charge-offs | 95.9927% | 3,574 |
| Earnings coverage of net charge-offs (x) | 3.4062% | 3,449 |
| Efficiency ratio | 65.4727% | 4,809 |
| Assets per employee ($millions) | 7.8186% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,901 |
| Loan loss allowance to noncurrent loans | 34.7191% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 4.2542% | 1,436 |
| Noncurrent loans to loans | 5.2221% | 1,173 |
| Net loans and leases to total assets | 79.9890% | 518 |
| Net loans and leases to deposits | 133.9926% | 43 |
| Net loans and leases to core deposits | 211.4278% | 61 |
| Total domestic deposits to total assets | 59.6966% | 7,307 |
| Equity capital to assets | 15.8984% | 648 |
| Core capital (leverage) ratio | 15.5476% | 566 |
| Tier 1 risk-based capital ratio | 19.4480% | 1,828 |
| Total risk-based capital ratio | 20.7047% | 1,799 |
| Memoranda: | ||
| Average total assets | $245,223,000 | 2,583 |
| Average earning assets | $237,933,500 | 2,429 |
| Average equity | $35,529,250 | 1,900 |
| Average total loans | $194,938,750 | 2,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 1,404 |
| Cost of funding earning assets | 2.4317% | 39 |
| Net interest margin | 3.0216% | 6,568 |
| Noninterest income to average assets | 0.0255% | 7,134 |
| Noninterest expense to average assets | 1.8872% | 6,970 |
| Loan and lease loss provision to assets | 0.0048% | 6,188 |
| Net operating income to assets | 0.9547% | 2,416 |
| Return on assets (ROA) | 0.9547% | 2,512 |
| Pretax return on assets | 1.0637% | 2,992 |
| Return on Equity (ROE) | 6.7880% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.7880% | 1,971 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8493% | 5,268 |
| Assets per employee ($millions) | 8.1174% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 3,090 |
| Loan loss allowance to noncurrent loans | 37.9950% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 3.7756% | 1,724 |
| Noncurrent loans to loans | 4.6618% | 1,412 |
| Net loans and leases to total assets | 79.5561% | 580 |
| Net loans and leases to deposits | 134.8728% | 47 |
| Net loans and leases to core deposits | 209.7612% | 69 |
| Total domestic deposits to total assets | 58.9860% | 7,385 |
| Equity capital to assets | 15.3230% | 741 |
| Core capital (leverage) ratio | 14.9032% | 686 |
| Tier 1 risk-based capital ratio | 19.0317% | 1,835 |
| Total risk-based capital ratio | 20.2881% | 1,794 |
| Memoranda: | ||
| Average total assets | $251,384,000 | 2,533 |
| Average earning assets | $243,778,670 | 2,380 |
| Average equity | $35,356,330 | 1,894 |
| Average total loans | $198,346,330 | 2,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 3,110 |
| Cost of funding earning assets | 2.4524% | 45 |
| Net interest margin | 2.5462% | 7,163 |
| Noninterest income to average assets | 0.0278% | 7,222 |
| Noninterest expense to average assets | 1.7982% | 7,144 |
| Loan and lease loss provision to assets | 0.2267% | 3,392 |
| Net operating income to assets | 0.4025% | 4,935 |
| Return on assets (ROA) | 0.4025% | 5,022 |
| Pretax return on assets | 0.4719% | 5,115 |
| Return on Equity (ROE) | 2.9829% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.9829% | 4,378 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0198% | 3,861 |
| Assets per employee ($millions) | 8.8064% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,156 |
| Loan loss allowance to noncurrent loans | 27.5037% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 5.0085% | 1,258 |
| Noncurrent loans to loans | 6.3794% | 957 |
| Net loans and leases to total assets | 77.1333% | 857 |
| Net loans and leases to deposits | 126.9393% | 66 |
| Net loans and leases to core deposits | 208.8674% | 69 |
| Total domestic deposits to total assets | 60.7639% | 7,425 |
| Equity capital to assets | 13.7584% | 1,082 |
| Core capital (leverage) ratio | 13.5894% | 942 |
| Tier 1 risk-based capital ratio | 17.5925% | 2,252 |
| Total risk-based capital ratio | 18.8487% | 2,222 |
| Memoranda: | ||
| Average total assets | $259,373,500 | 2,482 |
| Average earning assets | $251,513,500 | 2,333 |
| Average equity | $34,999,000 | 1,897 |
| Average total loans | $202,191,500 | 2,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 2,714 |
| Cost of funding earning assets | 2.7449% | 50 |
| Net interest margin | 2.6461% | 7,172 |
| Noninterest income to average assets | 0.0312% | 7,194 |
| Noninterest expense to average assets | 1.7846% | 7,279 |
| Loan and lease loss provision to assets | 0.5011% | 3,147 |
| Net operating income to assets | 0.2357% | 5,158 |
| Return on assets (ROA) | 0.2357% | 5,311 |
| Pretax return on assets | 0.3039% | 5,224 |
| Return on Equity (ROE) | 1.7532% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.7532% | 4,629 |
| Net charge-offs to loans | 0.6223% | 3,167 |
| Credit loss provision to net charge-offs | 99.3130% | 4,659 |
| Earnings coverage of net charge-offs (x) | 1.5954% | 4,540 |
| Efficiency ratio | 68.9127% | 4,387 |
| Assets per employee ($millions) | 9.0814% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,385 |
| Loan loss allowance to noncurrent loans | 29.4051% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 4.3529% | 1,531 |
| Noncurrent loans to loans | 5.6230% | 1,157 |
| Net loans and leases to total assets | 76.1336% | 1,248 |
| Net loans and leases to deposits | 126.8253% | 81 |
| Net loans and leases to core deposits | 207.2917% | 76 |
| Total domestic deposits to total assets | 60.0303% | 7,507 |
| Equity capital to assets | 13.2369% | 1,281 |
| Core capital (leverage) ratio | 13.4453% | 985 |
| Tier 1 risk-based capital ratio | 17.1456% | 2,298 |
| Total risk-based capital ratio | 18.4007% | 2,253 |
| Memoranda: | ||
| Average total assets | $259,609,000 | 2,457 |
| Average earning assets | $251,011,400 | 2,334 |
| Average equity | $34,907,600 | 1,897 |
| Average total loans | $210,496,400 | 2,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 2,531 |
| Cost of funding earning assets | 2.7918% | 50 |
| Net interest margin | 2.6846% | 7,252 |
| Noninterest income to average assets | 0.0314% | 7,363 |
| Noninterest expense to average assets | 1.9159% | 7,179 |
| Loan and lease loss provision to assets | -0.0314% | 7,683 |
| Net operating income to assets | 0.6634% | 3,587 |
| Return on assets (ROA) | 0.6634% | 3,751 |
| Pretax return on assets | 0.7407% | 4,116 |
| Return on Equity (ROE) | 4.9141% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.9141% | 3,049 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9825% | 3,528 |
| Assets per employee ($millions) | 9.2157% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,592 |
| Loan loss allowance to noncurrent loans | 28.5334% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 4.5078% | 1,504 |
| Noncurrent loans to loans | 5.5560% | 1,188 |
| Net loans and leases to total assets | 79.8485% | 779 |
| Net loans and leases to deposits | 135.7811% | 55 |
| Net loans and leases to core deposits | 242.9671% | 61 |
| Total domestic deposits to total assets | 58.8068% | 7,609 |
| Equity capital to assets | 13.7738% | 1,247 |
| Core capital (leverage) ratio | 13.9589% | 929 |
| Tier 1 risk-based capital ratio | 17.2192% | 2,271 |
| Total risk-based capital ratio | 18.4737% | 2,232 |
| Memoranda: | ||
| Average total assets | $258,670,750 | 2,505 |
| Average earning assets | $249,914,000 | 2,374 |
| Average equity | $34,919,250 | 1,920 |
| Average total loans | $212,151,000 | 2,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 2,352 |
| Cost of funding earning assets | 2.8269% | 54 |
| Net interest margin | 2.7180% | 7,238 |
| Noninterest income to average assets | 0.0317% | 7,424 |
| Noninterest expense to average assets | 1.8943% | 7,276 |
| Loan and lease loss provision to assets | 0.0626% | 6,323 |
| Net operating income to assets | 0.6165% | 3,803 |
| Return on assets (ROA) | 0.6165% | 3,939 |
| Pretax return on assets | 0.6984% | 4,247 |
| Return on Equity (ROE) | 4.5979% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,146 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3413% | 3,932 |
| Assets per employee ($millions) | 9.0275% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,248 |
| Loan loss allowance to noncurrent loans | 42.2847% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 3.2381% | 2,176 |
| Noncurrent loans to loans | 3.9027% | 1,954 |
| Net loans and leases to total assets | 81.6026% | 580 |
| Net loans and leases to deposits | 139.9198% | 49 |
| Net loans and leases to core deposits | 274.0798% | 53 |
| Total domestic deposits to total assets | 58.3210% | 7,679 |
| Equity capital to assets | 13.8513% | 1,221 |
| Core capital (leverage) ratio | 13.4966% | 1,059 |
| Tier 1 risk-based capital ratio | 16.9207% | 2,313 |
| Total risk-based capital ratio | 18.1759% | 2,264 |
| Memoranda: | ||
| Average total assets | $258,881,000 | 2,520 |
| Average earning assets | $249,888,670 | 2,395 |
| Average equity | $34,711,670 | 1,925 |
| Average total loans | $213,081,330 | 2,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6846% | 1,834 |
| Cost of funding earning assets | 2.8368% | 73 |
| Net interest margin | 2.8478% | 7,104 |
| Noninterest income to average assets | 0.0336% | 7,541 |
| Noninterest expense to average assets | 1.9394% | 7,267 |
| Loan and lease loss provision to assets | -0.2398% | 7,882 |
| Net operating income to assets | 0.9819% | 2,251 |
| Return on assets (ROA) | 0.9819% | 2,311 |
| Pretax return on assets | 1.0842% | 2,791 |
| Return on Equity (ROE) | 7.4418% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,952 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6654% | 4,380 |
| Assets per employee ($millions) | 9.2876% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,809 |
| Loan loss allowance to noncurrent loans | 72.6228% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 3,917 |
| Noncurrent loans to loans | 2.0936% | 3,665 |
| Net loans and leases to total assets | 80.2739% | 806 |
| Net loans and leases to deposits | 134.6982% | 65 |
| Net loans and leases to core deposits | 266.4820% | 63 |
| Total domestic deposits to total assets | 59.5954% | 7,761 |
| Equity capital to assets | 13.4027% | 1,362 |
| Core capital (leverage) ratio | 13.3917% | 1,105 |
| Tier 1 risk-based capital ratio | 16.5703% | 2,422 |
| Total risk-based capital ratio | 17.8235% | 2,371 |
| Memoranda: | ||
| Average total assets | $261,936,500 | 2,549 |
| Average earning assets | $252,964,500 | 2,415 |
| Average equity | $34,561,500 | 1,951 |
| Average total loans | $214,758,000 | 2,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9184% | 2,160 |
| Cost of funding earning assets | 2.9102% | 299 |
| Net interest margin | 3.0082% | 6,622 |
| Noninterest income to average assets | 0.0475% | 7,513 |
| Noninterest expense to average assets | 1.4283% | 7,835 |
| Loan and lease loss provision to assets | 0.8761% | 2,556 |
| Net operating income to assets | 0.6020% | 3,321 |
| Return on assets (ROA) | 0.6020% | 3,396 |
| Pretax return on assets | 0.6592% | 3,710 |
| Return on Equity (ROE) | 4.3808% | 3,935 |
| Retained earnings to average equity (ytd only) | -6.9538% | 6,237 |
| Net charge-offs to loans | 0.1690% | 5,593 |
| Credit loss provision to net charge-offs | 608.1081% | 485 |
| Earnings coverage of net charge-offs (x) | 10.6568% | 1,661 |
| Efficiency ratio | 48.1934% | 7,625 |
| Assets per employee ($millions) | 9.4222% | 314 |
| Cash dividends to net income (ytd only)* | 258.7322% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 3,458 |
| Loan loss allowance to noncurrent loans | 74.9612% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 3,805 |
| Noncurrent loans to loans | 2.0727% | 3,557 |
| Net loans and leases to total assets | 81.1759% | 814 |
| Net loans and leases to deposits | 134.4443% | 72 |
| Net loans and leases to core deposits | 164.4051% | 292 |
| Total domestic deposits to total assets | 60.3788% | 7,793 |
| Equity capital to assets | 12.9895% | 1,510 |
| Core capital (leverage) ratio | 12.7121% | 1,347 |
| Tier 1 risk-based capital ratio | 15.4755% | 2,727 |
| Total risk-based capital ratio | 16.7290% | 2,678 |
| Memoranda: | ||
| Average total assets | $256,814,000 | 2,549 |
| Average earning assets | $248,954,400 | 2,415 |
| Average equity | $35,290,200 | 1,910 |
| Average total loans | $218,993,600 | 2,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9589% | 2,200 |
| Cost of funding earning assets | 2.8833% | 491 |
| Net interest margin | 3.0756% | 6,380 |
| Noninterest income to average assets | 0.0533% | 7,636 |
| Noninterest expense to average assets | 1.4427% | 7,910 |
| Loan and lease loss provision to assets | 0.9252% | 2,080 |
| Net operating income to assets | 0.5274% | 3,873 |
| Return on assets (ROA) | 0.5274% | 3,962 |
| Pretax return on assets | 0.6712% | 3,956 |
| Return on Equity (ROE) | 3.7847% | 4,461 |
| Retained earnings to average equity (ytd only) | -11.2191% | 6,897 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4716% | 7,690 |
| Assets per employee ($millions) | 9.6127% | 298 |
| Cash dividends to net income (ytd only)* | 396.4320% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,555 |
| Loan loss allowance to noncurrent loans | 77.2867% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.5720% | 3,999 |
| Noncurrent loans to loans | 1.9138% | 3,758 |
| Net loans and leases to total assets | 80.9221% | 995 |
| Net loans and leases to deposits | 132.2577% | 97 |
| Net loans and leases to core deposits | 160.1715% | 378 |
| Total domestic deposits to total assets | 61.1852% | 7,845 |
| Equity capital to assets | 12.5285% | 1,936 |
| Core capital (leverage) ratio | 12.9907% | 1,380 |
| Tier 1 risk-based capital ratio | 15.0393% | 3,018 |
| Total risk-based capital ratio | 16.2916% | 2,958 |
| Memoranda: | ||
| Average total assets | $255,062,250 | 2,572 |
| Average earning assets | $247,623,750 | 2,445 |
| Average equity | $35,545,500 | 1,917 |
| Average total loans | $219,357,250 | 2,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 1,957 |
| Cost of funding earning assets | 2.8979% | 613 |
| Net interest margin | 3.1588% | 6,067 |
| Noninterest income to average assets | 0.0807% | 7,576 |
| Noninterest expense to average assets | 1.4683% | 7,985 |
| Loan and lease loss provision to assets | 1.4139% | 1,225 |
| Net operating income to assets | 0.1126% | 5,528 |
| Return on assets (ROA) | 0.1126% | 5,625 |
| Pretax return on assets | 0.2636% | 5,288 |
| Return on Equity (ROE) | 0.7800% | 5,697 |
| Retained earnings to average equity (ytd only) | -10.2839% | 6,897 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6734% | 7,825 |
| Assets per employee ($millions) | 8.9273% | 363 |
| Cash dividends to net income (ytd only)* | 1,418.4397% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,458 |
| Loan loss allowance to noncurrent loans | 797.5610% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 7,138 |
| Noncurrent loans to loans | 0.1819% | 7,062 |
| Net loans and leases to total assets | 88.8712% | 195 |
| Net loans and leases to deposits | 153.6109% | 57 |
| Net loans and leases to core deposits | 193.1033% | 148 |
| Total domestic deposits to total assets | 57.8547% | 7,983 |
| Equity capital to assets | 13.9612% | 1,322 |
| Core capital (leverage) ratio | 13.9672% | 1,147 |
| Tier 1 risk-based capital ratio | 15.5932% | 2,774 |
| Total risk-based capital ratio | 16.8458% | 2,705 |
| Memoranda: | ||
| Average total assets | $250,364,670 | 2,632 |
| Average earning assets | $242,938,000 | 2,495 |
| Average equity | $36,153,670 | 1,886 |
| Average total loans | $218,784,330 | 2,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 2,262 |
| Cost of funding earning assets | 2.8919% | 784 |
| Net interest margin | 3.1320% | 6,098 |
| Noninterest income to average assets | 0.0591% | 7,779 |
| Noninterest expense to average assets | 1.4639% | 8,009 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4878% | 963 |
| Return on assets (ROA) | 1.4878% | 1,033 |
| Pretax return on assets | 1.6347% | 1,323 |
| Return on Equity (ROE) | 10.1355% | 2,269 |
| Retained earnings to average equity (ytd only) | -0.7395% | 5,824 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2437% | 7,771 |
| Assets per employee ($millions) | 8.8321% | 377 |
| Cash dividends to net income (ytd only)* | 107.2961% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 7,448 |
| Loan loss allowance to noncurrent loans | 365.8537% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 7,056 |
| Noncurrent loans to loans | 0.1902% | 6,989 |
| Net loans and leases to total assets | 86.5770% | 381 |
| Net loans and leases to deposits | 148.4716% | 67 |
| Net loans and leases to core deposits | 177.5184% | 264 |
| Total domestic deposits to total assets | 58.3122% | 8,003 |
| Equity capital to assets | 14.8455% | 1,145 |
| Core capital (leverage) ratio | 14.6241% | 1,050 |
| Tier 1 risk-based capital ratio | 16.9787% | 2,347 |
| Total risk-based capital ratio | 17.6741% | 2,485 |
| Memoranda: | ||
| Average total assets | $250,565,000 | 2,637 |
| Average earning assets | $243,166,000 | 2,509 |
| Average equity | $36,781,500 | 1,862 |
| Average total loans | $215,468,500 | 2,216 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3684% | 3,588 |
| Cost of funding earning assets | 3.1349% | 1,398 |
| Net interest margin | 3.2334% | 6,263 |
| Noninterest income to average assets | 0.0633% | 7,833 |
| Noninterest expense to average assets | 1.3845% | 8,083 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6566% | 737 |
| Return on assets (ROA) | 1.6562% | 706 |
| Pretax return on assets | 1.8201% | 904 |
| Return on Equity (ROE) | 11.4536% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.4536% | 275 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1966% | 8,034 |
| Assets per employee ($millions) | 9.0654% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,435 |
| Loan loss allowance to noncurrent loans | 365.8537% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 6,923 |
| Noncurrent loans to loans | 0.1904% | 6,819 |
| Net loans and leases to total assets | 84.2422% | 852 |
| Net loans and leases to deposits | 142.0877% | 102 |
| Net loans and leases to core deposits | 168.7850% | 426 |
| Total domestic deposits to total assets | 59.2889% | 7,983 |
| Equity capital to assets | 14.5176% | 1,291 |
| Core capital (leverage) ratio | 14.3885% | 1,167 |
| Tier 1 risk-based capital ratio | 16.8976% | 2,343 |
| Total risk-based capital ratio | 17.5884% | 2,483 |
| Memoranda: | ||
| Average total assets | $240,310,600 | 2,653 |
| Average earning assets | $233,497,400 | 2,524 |
| Average equity | $34,749,000 | 1,951 |
| Average total loans | $196,910,200 | 2,329 |