Home > North Brookfield Savings Bank > Performance and Condition Ratios
North Brookfield Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,709 |
| Cost of funding earning assets | 1.4084% | 2,210 |
| Net interest margin | 2.7492% | 3,751 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6959% | 1,739 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2739% | 4,067 |
| Return on assets (ROA) | 0.2739% | 4,070 |
| Pretax return on assets | 0.3401% | 4,047 |
| Return on Equity (ROE) | 3.4900% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.4891% | 3,125 |
| Net charge-offs to loans | 0.0007% | 2,860 |
| Credit loss provision to net charge-offs | 7,300.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 192 |
| Efficiency ratio | 87.7333% | 491 |
| Assets per employee ($millions) | 7.4300% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 4,273 |
| Loan loss allowance to noncurrent loans | 239.7590% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 2,451 |
| Noncurrent loans to loans | 0.2409% | 2,344 |
| Net loans and leases to total assets | 67.0700% | 2,138 |
| Net loans and leases to deposits | 76.5454% | 2,397 |
| Net loans and leases to core deposits | 83.3193% | 2,506 |
| Total domestic deposits to total assets | 87.6200% | 1,478 |
| Equity capital to assets | 8.1101% | 3,347 |
| Core capital (leverage) ratio | 10.9629% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $395,819,800 | 2,026 |
| Average earning assets | $366,505,800 | 2,024 |
| Average equity | $31,068,200 | 2,217 |
| Average total loans | $267,672,200 | 1,925 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,592 |
| Cost of funding earning assets | 1.2626% | 2,249 |
| Net interest margin | 2.8739% | 3,596 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.7643% | 1,509 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3141% | 4,100 |
| Return on assets (ROA) | 0.3141% | 4,104 |
| Pretax return on assets | 0.3871% | 4,081 |
| Return on Equity (ROE) | 4.0400% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.0370% | 3,249 |
| Net charge-offs to loans | 0.0015% | 2,546 |
| Credit loss provision to net charge-offs | 3,033.3333% | 154 |
| Earnings coverage of net charge-offs (x) | 410.3333% | 359 |
| Efficiency ratio | 86.8637% | 482 |
| Assets per employee ($millions) | 7.3481% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5640% | 4,307 |
| Loan loss allowance to noncurrent loans | 309.0543% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,724 |
| Noncurrent loans to loans | 0.1825% | 2,629 |
| Net loans and leases to total assets | 68.2500% | 2,019 |
| Net loans and leases to deposits | 76.3608% | 2,385 |
| Net loans and leases to core deposits | 82.6859% | 2,424 |
| Total domestic deposits to total assets | 89.3800% | 1,124 |
| Equity capital to assets | 7.3810% | 3,427 |
| Core capital (leverage) ratio | 10.9881% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $392,612,500 | 2,035 |
| Average earning assets | $363,162,500 | 2,033 |
| Average equity | $30,549,750 | 2,227 |
| Average total loans | $265,673,750 | 1,934 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 3,751 |
| Cost of funding earning assets | 1.0585% | 2,423 |
| Net interest margin | 2.9109% | 3,630 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.8102% | 1,399 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.2786% | 4,183 |
| Return on assets (ROA) | 0.2786% | 4,216 |
| Pretax return on assets | 0.3379% | 4,192 |
| Return on Equity (ROE) | 3.5200% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.5195% | 3,344 |
| Net charge-offs to loans | -0.0008% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.4483% | 447 |
| Assets per employee ($millions) | 7.0063% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5808% | 4,320 |
| Loan loss allowance to noncurrent loans | 342.8261% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 2,725 |
| Noncurrent loans to loans | 0.1694% | 2,628 |
| Net loans and leases to total assets | 67.6000% | 2,001 |
| Net loans and leases to deposits | 77.1674% | 2,203 |
| Net loans and leases to core deposits | 82.9712% | 2,271 |
| Total domestic deposits to total assets | 87.6000% | 1,747 |
| Equity capital to assets | 7.7704% | 3,363 |
| Core capital (leverage) ratio | 10.9409% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $391,216,667 | 2,037 |
| Average earning assets | $361,817,667 | 2,038 |
| Average equity | $30,970,333 | 2,221 |
| Average total loans | $263,449,000 | 1,940 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 3,778 |
| Cost of funding earning assets | 0.8151% | 2,681 |
| Net interest margin | 3.0256% | 3,536 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.8930% | 1,248 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3131% | 4,233 |
| Return on assets (ROA) | 0.3131% | 4,195 |
| Pretax return on assets | 0.3864% | 4,151 |
| Return on Equity (ROE) | 3.9200% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.9173% | 3,295 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.3908% | 444 |
| Assets per employee ($millions) | 6.5186% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 4,397 |
| Loan loss allowance to noncurrent loans | 322.7074% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 2,698 |
| Noncurrent loans to loans | 0.1736% | 2,610 |
| Net loans and leases to total assets | 67.0800% | 1,939 |
| Net loans and leases to deposits | 76.0211% | 2,114 |
| Net loans and leases to core deposits | 80.6843% | 2,203 |
| Total domestic deposits to total assets | 88.2300% | 1,844 |
| Equity capital to assets | 8.0777% | 3,185 |
| Core capital (leverage) ratio | 11.1485% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $387,145,000 | 2,076 |
| Average earning assets | $357,743,500 | 2,083 |
| Average equity | $30,939,500 | 2,252 |
| Average total loans | $259,404,500 | 1,978 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 3,326 |
| Cost of funding earning assets | 0.1704% | 3,997 |
| Net interest margin | 3.2368% | 2,744 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.0544% | 894 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.3283% | 4,343 |
| Return on assets (ROA) | 0.3385% | 4,296 |
| Pretax return on assets | 0.4234% | 4,255 |
| Return on Equity (ROE) | 3.6100% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.6123% | 3,537 |
| Net charge-offs to loans | 0.0017% | 2,493 |
| Credit loss provision to net charge-offs | 6,150.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 432.7500% | 370 |
| Efficiency ratio | 86.4501% | 408 |
| Assets per employee ($millions) | 6.1803% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5679% | 4,370 |
| Loan loss allowance to noncurrent loans | 178.1058% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,097 |
| Noncurrent loans to loans | 0.3188% | 2,006 |
| Net loans and leases to total assets | 66.1700% | 2,021 |
| Net loans and leases to deposits | 74.1864% | 2,245 |
| Net loans and leases to core deposits | 77.8354% | 2,292 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 7.9039% | 3,115 |
| Core capital (leverage) ratio | 11.4917% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $361,573,800 | 2,174 |
| Average earning assets | $333,321,200 | 2,185 |
| Average equity | $33,883,800 | 2,161 |
| Average total loans | $234,184,000 | 2,027 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3392% | 3,074 |
| Cost of funding earning assets | 0.1031% | 4,256 |
| Net interest margin | 3.2361% | 2,509 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.1257% | 751 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.2911% | 4,390 |
| Return on assets (ROA) | 0.3051% | 4,330 |
| Pretax return on assets | 0.3751% | 4,295 |
| Return on Equity (ROE) | 3.1200% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.1240% | 3,743 |
| Net charge-offs to loans | 0.0023% | 2,186 |
| Credit loss provision to net charge-offs | 3,775.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 276.7500% | 504 |
| Efficiency ratio | 88.2944% | 377 |
| Assets per employee ($millions) | 5.8465% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 4,405 |
| Loan loss allowance to noncurrent loans | 344.2748% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,880 |
| Noncurrent loans to loans | 0.1648% | 2,773 |
| Net loans and leases to total assets | 65.4300% | 1,940 |
| Net loans and leases to deposits | 72.6933% | 2,157 |
| Net loans and leases to core deposits | 74.6867% | 2,298 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 8.1248% | 2,819 |
| Core capital (leverage) ratio | 11.6959% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $356,173,000 | 2,211 |
| Average earning assets | $328,331,750 | 2,212 |
| Average equity | $34,783,250 | 2,149 |
| Average total loans | $228,983,500 | 2,054 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2924% | 2,767 |
| Cost of funding earning assets | 0.0888% | 4,300 |
| Net interest margin | 3.2037% | 2,177 |
| Noninterest income to average assets | 0.5451% | 1,971 |
| Noninterest expense to average assets | 3.1886% | 642 |
| Loan and lease loss provision to assets | 0.0328% | 1,999 |
| Net operating income to assets | 0.2334% | 4,382 |
| Return on assets (ROA) | 0.2531% | 4,317 |
| Pretax return on assets | 0.3039% | 4,291 |
| Return on Equity (ROE) | 2.4507% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.4507% | 3,629 |
| Net charge-offs to loans | -0.0009% | 3,030 |
| Credit loss provision to net charge-offs | -5,800.0000% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0631% | 366 |
| Assets per employee ($millions) | 5.3384% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 4,501 |
| Loan loss allowance to noncurrent loans | 369.8830% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,050 |
| Noncurrent loans to loans | 0.1502% | 2,943 |
| Net loans and leases to total assets | 63.3032% | 1,984 |
| Net loans and leases to deposits | 71.2558% | 2,084 |
| Net loans and leases to core deposits | 72.3450% | 2,302 |
| Total domestic deposits to total assets | 88.8393% | 2,248 |
| Equity capital to assets | 9.3266% | 2,143 |
| Core capital (leverage) ratio | 11.8365% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,070,333 | 2,233 |
| Average earning assets | $326,749,333 | 2,241 |
| Average equity | $36,560,667 | 2,138 |
| Average total loans | $225,804,667 | 2,075 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1848% | 2,732 |
| Cost of funding earning assets | 0.0921% | 4,237 |
| Net interest margin | 3.0927% | 2,198 |
| Noninterest income to average assets | 0.5325% | 1,983 |
| Noninterest expense to average assets | 3.2453% | 570 |
| Loan and lease loss provision to assets | -0.0170% | 4,442 |
| Net operating income to assets | 0.1448% | 4,412 |
| Return on assets (ROA) | 0.1862% | 4,319 |
| Pretax return on assets | 0.2101% | 4,316 |
| Return on Equity (ROE) | 1.7190% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.7190% | 3,626 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6813% | 336 |
| Assets per employee ($millions) | 5.2846% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 4,560 |
| Loan loss allowance to noncurrent loans | 610.7692% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,496 |
| Noncurrent loans to loans | 0.0866% | 3,406 |
| Net loans and leases to total assets | 63.2438% | 1,714 |
| Net loans and leases to deposits | 71.8926% | 1,787 |
| Net loans and leases to core deposits | 73.0927% | 2,012 |
| Total domestic deposits to total assets | 87.9698% | 2,534 |
| Equity capital to assets | 10.1639% | 1,783 |
| Core capital (leverage) ratio | 11.9365% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,268,500 | 2,244 |
| Average earning assets | $325,672,000 | 2,260 |
| Average equity | $38,161,500 | 2,123 |
| Average total loans | $224,865,000 | 2,074 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 3,012 |
| Cost of funding earning assets | 0.1619% | 3,850 |
| Net interest margin | 3.2053% | 2,588 |
| Noninterest income to average assets | 0.5535% | 2,347 |
| Noninterest expense to average assets | 2.8724% | 1,212 |
| Loan and lease loss provision to assets | -0.0542% | 4,375 |
| Net operating income to assets | 0.5438% | 3,994 |
| Return on assets (ROA) | 0.5438% | 4,045 |
| Pretax return on assets | 0.7116% | 3,907 |
| Return on Equity (ROE) | 4.7841% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.7841% | 2,875 |
| Net charge-offs to loans | -0.0056% | 3,580 |
| Credit loss provision to net charge-offs | 1,453.8462% | 400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2139% | 736 |
| Assets per employee ($millions) | 5.0793% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5369% | 4,594 |
| Loan loss allowance to noncurrent loans | 597.0297% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,581 |
| Noncurrent loans to loans | 0.0899% | 3,479 |
| Net loans and leases to total assets | 63.7452% | 1,735 |
| Net loans and leases to deposits | 73.7334% | 1,740 |
| Net loans and leases to core deposits | 75.1749% | 1,982 |
| Total domestic deposits to total assets | 86.4536% | 2,731 |
| Equity capital to assets | 11.5091% | 1,510 |
| Core capital (leverage) ratio | 11.8890% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,668,800 | 2,205 |
| Average earning assets | $323,746,600 | 2,215 |
| Average equity | $39,631,000 | 2,093 |
| Average total loans | $233,160,400 | 2,031 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 3,095 |
| Cost of funding earning assets | 0.1753% | 3,868 |
| Net interest margin | 3.2266% | 2,644 |
| Noninterest income to average assets | 0.5437% | 2,440 |
| Noninterest expense to average assets | 2.9467% | 1,048 |
| Loan and lease loss provision to assets | -0.0724% | 4,526 |
| Net operating income to assets | 0.5077% | 4,184 |
| Return on assets (ROA) | 0.5077% | 4,229 |
| Pretax return on assets | 0.6647% | 4,130 |
| Return on Equity (ROE) | 4.4810% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.4810% | 3,412 |
| Net charge-offs to loans | -0.0074% | 3,559 |
| Credit loss provision to net charge-offs | 1,453.8462% | 412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0466% | 572 |
| Assets per employee ($millions) | 5.3413% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5313% | 4,683 |
| Loan loss allowance to noncurrent loans | 305.3165% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,364 |
| Noncurrent loans to loans | 0.1740% | 3,253 |
| Net loans and leases to total assets | 64.0445% | 1,771 |
| Net loans and leases to deposits | 74.4840% | 1,812 |
| Net loans and leases to core deposits | 75.8990% | 2,062 |
| Total domestic deposits to total assets | 85.9843% | 2,751 |
| Equity capital to assets | 11.2633% | 1,843 |
| Core capital (leverage) ratio | 11.6892% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,218,750 | 2,229 |
| Average earning assets | $323,262,000 | 2,239 |
| Average equity | $39,454,750 | 2,126 |
| Average total loans | $235,297,250 | 2,060 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3987% | 3,187 |
| Cost of funding earning assets | 0.1939% | 3,817 |
| Net interest margin | 3.2048% | 2,738 |
| Noninterest income to average assets | 0.5294% | 2,493 |
| Noninterest expense to average assets | 2.9182% | 1,117 |
| Loan and lease loss provision to assets | -0.0871% | 4,598 |
| Net operating income to assets | 0.5127% | 4,194 |
| Return on assets (ROA) | 0.5127% | 4,234 |
| Pretax return on assets | 0.6725% | 4,118 |
| Return on Equity (ROE) | 4.5160% | 4,231 |
| Retained earnings to average equity (ytd only) | 4.5160% | 3,357 |
| Net charge-offs to loans | -0.0109% | 3,706 |
| Credit loss provision to net charge-offs | 1,161.5385% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9630% | 618 |
| Assets per employee ($millions) | 5.6255% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5316% | 4,717 |
| Loan loss allowance to noncurrent loans | 322.2798% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 3,500 |
| Noncurrent loans to loans | 0.1649% | 3,389 |
| Net loans and leases to total assets | 65.6799% | 1,730 |
| Net loans and leases to deposits | 76.8527% | 1,742 |
| Net loans and leases to core deposits | 78.4908% | 2,006 |
| Total domestic deposits to total assets | 85.4621% | 2,924 |
| Equity capital to assets | 11.2307% | 1,809 |
| Core capital (leverage) ratio | 11.6414% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,783,333 | 2,218 |
| Average earning assets | $321,828,333 | 2,234 |
| Average equity | $39,371,000 | 2,122 |
| Average total loans | $238,070,000 | 2,048 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 2,946 |
| Cost of funding earning assets | 0.2312% | 3,634 |
| Net interest margin | 3.2614% | 2,511 |
| Noninterest income to average assets | 0.5202% | 2,519 |
| Noninterest expense to average assets | 2.8399% | 1,283 |
| Loan and lease loss provision to assets | -0.0432% | 4,638 |
| Net operating income to assets | 0.5680% | 4,025 |
| Return on assets (ROA) | 0.5680% | 4,077 |
| Pretax return on assets | 0.7511% | 3,913 |
| Return on Equity (ROE) | 4.9750% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.9750% | 3,227 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6515% | 843 |
| Assets per employee ($millions) | 5.7669% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 4,734 |
| Loan loss allowance to noncurrent loans | 367.4863% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 3,650 |
| Noncurrent loans to loans | 0.1511% | 3,570 |
| Net loans and leases to total assets | 69.5936% | 1,345 |
| Net loans and leases to deposits | 81.4349% | 1,381 |
| Net loans and leases to core deposits | 83.8305% | 1,693 |
| Total domestic deposits to total assets | 85.4592% | 2,939 |
| Equity capital to assets | 11.1926% | 1,728 |
| Core capital (leverage) ratio | 11.8573% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,972,500 | 2,222 |
| Average earning assets | $318,390,000 | 2,226 |
| Average equity | $39,155,500 | 2,119 |
| Average total loans | $240,096,500 | 2,031 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 3,652 |
| Cost of funding earning assets | 0.6204% | 2,179 |
| Net interest margin | 3.0520% | 3,746 |
| Noninterest income to average assets | 0.5838% | 2,281 |
| Noninterest expense to average assets | 3.0385% | 1,352 |
| Loan and lease loss provision to assets | 0.0033% | 4,296 |
| Net operating income to assets | 0.2915% | 4,445 |
| Return on assets (ROA) | 0.3988% | 4,328 |
| Pretax return on assets | 0.4939% | 4,283 |
| Return on Equity (ROE) | 3.4105% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.4105% | 3,117 |
| Net charge-offs to loans | 0.0004% | 3,427 |
| Credit loss provision to net charge-offs | 1,100.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 1,220.0000% | 91 |
| Efficiency ratio | 88.8528% | 415 |
| Assets per employee ($millions) | 5.7616% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5806% | 4,726 |
| Loan loss allowance to noncurrent loans | 337.0732% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 3,683 |
| Noncurrent loans to loans | 0.1722% | 3,595 |
| Net loans and leases to total assets | 69.6207% | 1,608 |
| Net loans and leases to deposits | 82.6141% | 1,589 |
| Net loans and leases to core deposits | 85.5370% | 1,906 |
| Total domestic deposits to total assets | 84.2721% | 3,023 |
| Equity capital to assets | 11.6444% | 1,773 |
| Core capital (leverage) ratio | 11.7473% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,510,000 | 2,117 |
| Average earning assets | $309,014,000 | 2,124 |
| Average equity | $39,114,000 | 2,047 |
| Average total loans | $239,269,000 | 1,972 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 3,826 |
| Cost of funding earning assets | 0.6902% | 2,088 |
| Net interest margin | 2.9959% | 3,988 |
| Noninterest income to average assets | 0.5943% | 2,202 |
| Noninterest expense to average assets | 2.9495% | 1,566 |
| Loan and lease loss provision to assets | 0.0003% | 4,238 |
| Net operating income to assets | 0.3239% | 4,403 |
| Return on assets (ROA) | 0.4478% | 4,238 |
| Pretax return on assets | 0.5631% | 4,169 |
| Return on Equity (ROE) | 3.8259% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.8259% | 3,127 |
| Net charge-offs to loans | 0.0006% | 3,228 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 1,021.0000% | 118 |
| Efficiency ratio | 87.3913% | 440 |
| Assets per employee ($millions) | 6.1473% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 4,768 |
| Loan loss allowance to noncurrent loans | 420.8589% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 3,952 |
| Noncurrent loans to loans | 0.1346% | 3,841 |
| Net loans and leases to total assets | 71.2545% | 1,779 |
| Net loans and leases to deposits | 85.1779% | 1,792 |
| Net loans and leases to core deposits | 88.4617% | 2,108 |
| Total domestic deposits to total assets | 83.6537% | 2,941 |
| Equity capital to assets | 11.7580% | 1,837 |
| Core capital (leverage) ratio | 11.6826% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,154,500 | 2,105 |
| Average earning assets | $307,341,000 | 2,115 |
| Average equity | $38,996,750 | 2,045 |
| Average total loans | $239,575,000 | 1,975 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 4,018 |
| Cost of funding earning assets | 0.7425% | 2,163 |
| Net interest margin | 2.9903% | 4,143 |
| Noninterest income to average assets | 0.6142% | 2,079 |
| Noninterest expense to average assets | 2.9363% | 1,750 |
| Loan and lease loss provision to assets | 0.0265% | 3,922 |
| Net operating income to assets | 0.3258% | 4,370 |
| Return on assets (ROA) | 0.4585% | 4,179 |
| Pretax return on assets | 0.5725% | 4,113 |
| Return on Equity (ROE) | 3.9232% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.9232% | 2,949 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7144% | 509 |
| Assets per employee ($millions) | 5.8385% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 4,762 |
| Loan loss allowance to noncurrent loans | 170.3971% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,355 |
| Noncurrent loans to loans | 0.3415% | 3,173 |
| Net loans and leases to total assets | 70.2226% | 1,993 |
| Net loans and leases to deposits | 85.8399% | 1,785 |
| Net loans and leases to core deposits | 89.4420% | 2,116 |
| Total domestic deposits to total assets | 81.8065% | 3,422 |
| Equity capital to assets | 11.4437% | 2,010 |
| Core capital (leverage) ratio | 11.5143% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,505,333 | 2,088 |
| Average earning assets | $305,451,667 | 2,102 |
| Average equity | $38,744,333 | 2,050 |
| Average total loans | $238,671,667 | 1,962 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 4,175 |
| Cost of funding earning assets | 0.8236% | 2,254 |
| Net interest margin | 3.0052% | 4,274 |
| Noninterest income to average assets | 0.5612% | 2,224 |
| Noninterest expense to average assets | 3.0164% | 1,849 |
| Loan and lease loss provision to assets | 0.0049% | 3,682 |
| Net operating income to assets | 0.2437% | 4,457 |
| Return on assets (ROA) | 0.4640% | 4,044 |
| Pretax return on assets | 0.5735% | 3,972 |
| Return on Equity (ROE) | 3.9264% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.9264% | 2,709 |
| Net charge-offs to loans | 0.0017% | 2,538 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 277 |
| Efficiency ratio | 90.3333% | 485 |
| Assets per employee ($millions) | 5.0231% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 4,784 |
| Loan loss allowance to noncurrent loans | 137.9137% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 3,227 |
| Noncurrent loans to loans | 0.4218% | 2,979 |
| Net loans and leases to total assets | 71.9807% | 1,921 |
| Net loans and leases to deposits | 91.2164% | 1,377 |
| Net loans and leases to core deposits | 95.5288% | 1,839 |
| Total domestic deposits to total assets | 78.9121% | 4,067 |
| Equity capital to assets | 11.9022% | 2,142 |
| Core capital (leverage) ratio | 12.0324% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,023,500 | 2,068 |
| Average earning assets | $298,685,000 | 2,087 |
| Average equity | $38,406,500 | 2,046 |
| Average total loans | $236,352,000 | 1,953 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 4,244 |
| Cost of funding earning assets | 0.9321% | 2,049 |
| Net interest margin | 3.0746% | 4,408 |
| Noninterest income to average assets | 0.6191% | 2,136 |
| Noninterest expense to average assets | 3.0331% | 1,930 |
| Loan and lease loss provision to assets | 0.0323% | 3,368 |
| Net operating income to assets | 0.3186% | 4,728 |
| Return on assets (ROA) | 0.3469% | 4,714 |
| Pretax return on assets | 0.4102% | 4,694 |
| Return on Equity (ROE) | 2.9787% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.9787% | 3,543 |
| Net charge-offs to loans | 0.0134% | 3,214 |
| Credit loss provision to net charge-offs | 332.2581% | 838 |
| Earnings coverage of net charge-offs (x) | 42.0968% | 1,268 |
| Efficiency ratio | 87.6640% | 459 |
| Assets per employee ($millions) | 4.8290% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5831% | 4,773 |
| Loan loss allowance to noncurrent loans | 130.9886% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 3,116 |
| Noncurrent loans to loans | 0.4452% | 2,848 |
| Net loans and leases to total assets | 72.6120% | 1,990 |
| Net loans and leases to deposits | 92.3859% | 1,323 |
| Net loans and leases to core deposits | 96.2572% | 1,881 |
| Total domestic deposits to total assets | 78.5964% | 4,256 |
| Equity capital to assets | 11.7301% | 2,330 |
| Core capital (leverage) ratio | 11.8107% | 1,889 |
| Tier 1 risk-based capital ratio | 21.0654% | 1,155 |
| Total risk-based capital ratio | 21.8314% | 1,208 |
| Memoranda: | ||
| Average total assets | $318,846,600 | 2,050 |
| Average earning assets | $292,783,000 | 2,075 |
| Average equity | $37,130,200 | 2,051 |
| Average total loans | $231,594,800 | 1,946 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 4,366 |
| Cost of funding earning assets | 0.9296% | 2,083 |
| Net interest margin | 3.0684% | 4,527 |
| Noninterest income to average assets | 0.6300% | 2,070 |
| Noninterest expense to average assets | 3.0307% | 1,882 |
| Loan and lease loss provision to assets | 0.0550% | 2,812 |
| Net operating income to assets | 0.3074% | 4,834 |
| Return on assets (ROA) | 0.3488% | 4,813 |
| Pretax return on assets | 0.4080% | 4,806 |
| Return on Equity (ROE) | 3.0006% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.0006% | 3,885 |
| Net charge-offs to loans | 0.0081% | 3,084 |
| Credit loss provision to net charge-offs | 935.7143% | 379 |
| Earnings coverage of net charge-offs (x) | 70.4858% | 943 |
| Efficiency ratio | 87.5244% | 426 |
| Assets per employee ($millions) | 4.7748% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 4,829 |
| Loan loss allowance to noncurrent loans | 149.1614% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 3,357 |
| Noncurrent loans to loans | 0.3998% | 3,111 |
| Net loans and leases to total assets | 74.1421% | 1,789 |
| Net loans and leases to deposits | 94.4803% | 1,180 |
| Net loans and leases to core deposits | 98.1938% | 1,812 |
| Total domestic deposits to total assets | 78.4736% | 4,272 |
| Equity capital to assets | 11.8855% | 2,339 |
| Core capital (leverage) ratio | 11.7320% | 2,055 |
| Tier 1 risk-based capital ratio | 20.6949% | 1,233 |
| Total risk-based capital ratio | 21.4819% | 1,300 |
| Memoranda: | ||
| Average total assets | $317,672,500 | 2,061 |
| Average earning assets | $291,441,000 | 2,090 |
| Average equity | $36,924,750 | 2,064 |
| Average total loans | $230,416,250 | 1,969 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 4,405 |
| Cost of funding earning assets | 0.9076% | 2,103 |
| Net interest margin | 3.0802% | 4,570 |
| Noninterest income to average assets | 0.5755% | 2,263 |
| Noninterest expense to average assets | 3.0638% | 1,826 |
| Loan and lease loss provision to assets | 0.0284% | 3,254 |
| Net operating income to assets | 0.2673% | 4,918 |
| Return on assets (ROA) | 0.2991% | 4,884 |
| Pretax return on assets | 0.3427% | 4,897 |
| Return on Equity (ROE) | 2.5931% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.5931% | 3,894 |
| Net charge-offs to loans | 0.0053% | 2,968 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 88.3333% | 757 |
| Efficiency ratio | 89.7122% | 360 |
| Assets per employee ($millions) | 4.6343% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 4,909 |
| Loan loss allowance to noncurrent loans | 133.4325% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,278 |
| Noncurrent loans to loans | 0.4342% | 2,977 |
| Net loans and leases to total assets | 72.1832% | 2,188 |
| Net loans and leases to deposits | 91.3566% | 1,578 |
| Net loans and leases to core deposits | 94.8065% | 2,176 |
| Total domestic deposits to total assets | 79.0126% | 4,221 |
| Equity capital to assets | 11.7108% | 2,430 |
| Core capital (leverage) ratio | 11.6760% | 2,039 |
| Tier 1 risk-based capital ratio | 20.9463% | 1,184 |
| Total risk-based capital ratio | 21.7069% | 1,228 |
| Memoranda: | ||
| Average total assets | $316,926,670 | 2,070 |
| Average earning assets | $290,439,670 | 2,098 |
| Average equity | $36,558,670 | 2,075 |
| Average total loans | $227,684,670 | 1,996 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 4,392 |
| Cost of funding earning assets | 0.8756% | 2,120 |
| Net interest margin | 3.1116% | 4,573 |
| Noninterest income to average assets | 0.5642% | 2,209 |
| Noninterest expense to average assets | 3.0757% | 1,788 |
| Loan and lease loss provision to assets | 0.0152% | 3,235 |
| Net operating income to assets | 0.2771% | 4,926 |
| Return on assets (ROA) | 0.2815% | 4,933 |
| Pretax return on assets | 0.3258% | 4,929 |
| Return on Equity (ROE) | 2.4588% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.4588% | 3,936 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7064% | 405 |
| Assets per employee ($millions) | 4.7297% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 4,966 |
| Loan loss allowance to noncurrent loans | 160.3406% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 3,577 |
| Noncurrent loans to loans | 0.3634% | 3,279 |
| Net loans and leases to total assets | 70.9551% | 2,333 |
| Net loans and leases to deposits | 91.6633% | 1,438 |
| Net loans and leases to core deposits | 95.2593% | 2,001 |
| Total domestic deposits to total assets | 77.4084% | 4,606 |
| Equity capital to assets | 11.5311% | 2,372 |
| Core capital (leverage) ratio | 11.7935% | 1,914 |
| Tier 1 risk-based capital ratio | 21.1644% | 1,143 |
| Total risk-based capital ratio | 21.9223% | 1,194 |
| Memoranda: | ||
| Average total assets | $315,508,000 | 2,094 |
| Average earning assets | $288,730,000 | 2,120 |
| Average equity | $36,114,500 | 2,091 |
| Average total loans | $225,446,500 | 2,022 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 4,098 |
| Cost of funding earning assets | 0.6622% | 2,306 |
| Net interest margin | 3.3126% | 4,216 |
| Noninterest income to average assets | 0.6242% | 2,173 |
| Noninterest expense to average assets | 3.0958% | 1,807 |
| Loan and lease loss provision to assets | 0.0055% | 4,005 |
| Net operating income to assets | 0.4454% | 4,775 |
| Return on assets (ROA) | 0.4579% | 4,752 |
| Pretax return on assets | 0.5577% | 4,710 |
| Return on Equity (ROE) | 4.0130% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.0130% | 3,361 |
| Net charge-offs to loans | 0.0154% | 3,171 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 49.4412% | 1,146 |
| Efficiency ratio | 84.5246% | 613 |
| Assets per employee ($millions) | 4.6884% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 5,004 |
| Loan loss allowance to noncurrent loans | 159.8531% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 3,545 |
| Noncurrent loans to loans | 0.3636% | 3,233 |
| Net loans and leases to total assets | 71.1241% | 2,407 |
| Net loans and leases to deposits | 92.3780% | 1,498 |
| Net loans and leases to core deposits | 96.1852% | 2,052 |
| Total domestic deposits to total assets | 76.9925% | 4,635 |
| Equity capital to assets | 11.3611% | 2,359 |
| Core capital (leverage) ratio | 11.7894% | 1,883 |
| Tier 1 risk-based capital ratio | 21.0978% | 1,145 |
| Total risk-based capital ratio | 21.8513% | 1,182 |
| Memoranda: | ||
| Average total assets | $306,806,000 | 2,111 |
| Average earning assets | $279,658,200 | 2,137 |
| Average equity | $35,011,400 | 2,069 |
| Average total loans | $220,449,000 | 2,021 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 4,067 |
| Cost of funding earning assets | 0.6064% | 2,424 |
| Net interest margin | 3.3470% | 4,161 |
| Noninterest income to average assets | 0.6195% | 2,212 |
| Noninterest expense to average assets | 3.1337% | 1,681 |
| Loan and lease loss provision to assets | 0.0166% | 3,683 |
| Net operating income to assets | 0.4289% | 4,900 |
| Return on assets (ROA) | 0.4459% | 4,869 |
| Pretax return on assets | 0.5395% | 4,838 |
| Return on Equity (ROE) | 3.9032% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.9032% | 3,819 |
| Net charge-offs to loans | 0.0164% | 2,844 |
| Credit loss provision to net charge-offs | 140.7407% | 1,798 |
| Earnings coverage of net charge-offs (x) | 45.3692% | 1,245 |
| Efficiency ratio | 84.9637% | 581 |
| Assets per employee ($millions) | 4.6724% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,062 |
| Loan loss allowance to noncurrent loans | 129.6404% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,363 |
| Noncurrent loans to loans | 0.4526% | 3,032 |
| Net loans and leases to total assets | 72.1927% | 2,299 |
| Net loans and leases to deposits | 93.4916% | 1,436 |
| Net loans and leases to core deposits | 97.0411% | 2,022 |
| Total domestic deposits to total assets | 77.2184% | 4,611 |
| Equity capital to assets | 11.0950% | 2,583 |
| Core capital (leverage) ratio | 11.7443% | 1,974 |
| Tier 1 risk-based capital ratio | 20.3308% | 1,278 |
| Total risk-based capital ratio | 21.0939% | 1,331 |
| Memoranda: | ||
| Average total assets | $304,976,500 | 2,131 |
| Average earning assets | $277,896,000 | 2,158 |
| Average equity | $34,842,250 | 2,086 |
| Average total loans | $219,380,250 | 2,037 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 3,980 |
| Cost of funding earning assets | 0.5594% | 2,526 |
| Net interest margin | 3.3765% | 4,033 |
| Noninterest income to average assets | 0.6279% | 2,189 |
| Noninterest expense to average assets | 3.1904% | 1,553 |
| Loan and lease loss provision to assets | -0.0053% | 5,292 |
| Net operating income to assets | 0.4287% | 4,906 |
| Return on assets (ROA) | 0.4545% | 4,857 |
| Pretax return on assets | 0.5492% | 4,816 |
| Return on Equity (ROE) | 3.9394% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.9394% | 3,635 |
| Net charge-offs to loans | 0.0231% | 2,406 |
| Credit loss provision to net charge-offs | -32.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,468 |
| Efficiency ratio | 85.7245% | 582 |
| Assets per employee ($millions) | 4.5330% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 5,116 |
| Loan loss allowance to noncurrent loans | 116.3210% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 3,107 |
| Noncurrent loans to loans | 0.5080% | 2,893 |
| Net loans and leases to total assets | 71.4620% | 2,372 |
| Net loans and leases to deposits | 89.7363% | 1,872 |
| Net loans and leases to core deposits | 92.9913% | 2,309 |
| Total domestic deposits to total assets | 79.6356% | 4,323 |
| Equity capital to assets | 11.4642% | 2,226 |
| Core capital (leverage) ratio | 11.7128% | 1,900 |
| Tier 1 risk-based capital ratio | 20.5820% | 1,232 |
| Total risk-based capital ratio | 21.3363% | 1,277 |
| Memoranda: | ||
| Average total assets | $302,285,000 | 2,157 |
| Average earning assets | $275,314,000 | 2,187 |
| Average equity | $34,878,670 | 2,094 |
| Average total loans | $216,729,000 | 2,063 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 4,034 |
| Cost of funding earning assets | 0.5197% | 2,640 |
| Net interest margin | 3.3450% | 4,067 |
| Noninterest income to average assets | 0.6207% | 2,168 |
| Noninterest expense to average assets | 3.1860% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4032% | 4,920 |
| Return on assets (ROA) | 0.4549% | 4,806 |
| Pretax return on assets | 0.5451% | 4,800 |
| Return on Equity (ROE) | 3.9302% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.9302% | 3,620 |
| Net charge-offs to loans | 0.0482% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,727 |
| Efficiency ratio | 86.4064% | 617 |
| Assets per employee ($millions) | 4.4977% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 5,187 |
| Loan loss allowance to noncurrent loans | 64.7206% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 2,206 |
| Noncurrent loans to loans | 0.9236% | 1,971 |
| Net loans and leases to total assets | 71.5766% | 2,241 |
| Net loans and leases to deposits | 90.5774% | 1,619 |
| Net loans and leases to core deposits | 93.3101% | 2,188 |
| Total domestic deposits to total assets | 79.0226% | 4,574 |
| Equity capital to assets | 11.5184% | 2,115 |
| Core capital (leverage) ratio | 11.6873% | 1,864 |
| Tier 1 risk-based capital ratio | 20.9115% | 1,213 |
| Total risk-based capital ratio | 21.6901% | 1,253 |
| Memoranda: | ||
| Average total assets | $301,572,000 | 2,183 |
| Average earning assets | $274,794,500 | 2,211 |
| Average equity | $34,909,000 | 2,105 |
| Average total loans | $215,929,500 | 2,074 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,079 |
| Cost of funding earning assets | 0.4936% | 2,386 |
| Net interest margin | 3.2975% | 4,171 |
| Noninterest income to average assets | 0.6680% | 2,099 |
| Noninterest expense to average assets | 3.0367% | 2,052 |
| Loan and lease loss provision to assets | 0.0664% | 2,883 |
| Net operating income to assets | 0.1203% | 5,236 |
| Return on assets (ROA) | 0.1453% | 5,208 |
| Pretax return on assets | 0.6022% | 4,735 |
| Return on Equity (ROE) | 1.2199% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.2199% | 4,537 |
| Net charge-offs to loans | 0.0380% | 3,034 |
| Credit loss provision to net charge-offs | 252.5641% | 1,092 |
| Earnings coverage of net charge-offs (x) | 23.9359% | 1,784 |
| Efficiency ratio | 82.3784% | 902 |
| Assets per employee ($millions) | 4.5727% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6157% | 5,212 |
| Loan loss allowance to noncurrent loans | 66.5493% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 2,347 |
| Noncurrent loans to loans | 0.9252% | 1,929 |
| Net loans and leases to total assets | 70.7579% | 2,404 |
| Net loans and leases to deposits | 90.4374% | 1,718 |
| Net loans and leases to core deposits | 93.0837% | 2,279 |
| Total domestic deposits to total assets | 78.2396% | 4,680 |
| Equity capital to assets | 11.6328% | 2,095 |
| Core capital (leverage) ratio | 11.7101% | 1,791 |
| Tier 1 risk-based capital ratio | 21.1792% | 1,114 |
| Total risk-based capital ratio | 21.9774% | 1,163 |
| Memoranda: | ||
| Average total assets | $296,570,000 | 2,184 |
| Average earning assets | $269,661,000 | 2,210 |
| Average equity | $35,331,600 | 2,059 |
| Average total loans | $205,381,800 | 2,116 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,119 |
| Cost of funding earning assets | 0.4827% | 2,409 |
| Net interest margin | 3.2839% | 4,222 |
| Noninterest income to average assets | 0.6435% | 2,242 |
| Noninterest expense to average assets | 2.9465% | 2,261 |
| Loan and lease loss provision to assets | 0.0723% | 2,631 |
| Net operating income to assets | 0.4575% | 4,859 |
| Return on assets (ROA) | 0.5026% | 4,756 |
| Pretax return on assets | 0.6706% | 4,679 |
| Return on Equity (ROE) | 4.1935% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.1935% | 3,403 |
| Net charge-offs to loans | 0.0164% | 3,191 |
| Credit loss provision to net charge-offs | 640.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 60.4845% | 987 |
| Efficiency ratio | 80.7266% | 1,020 |
| Assets per employee ($millions) | 4.6356% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 5,275 |
| Loan loss allowance to noncurrent loans | 66.7830% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 2,505 |
| Noncurrent loans to loans | 0.9428% | 2,034 |
| Net loans and leases to total assets | 70.1379% | 2,537 |
| Net loans and leases to deposits | 90.7189% | 1,725 |
| Net loans and leases to core deposits | 93.4912% | 2,308 |
| Total domestic deposits to total assets | 77.3134% | 4,825 |
| Equity capital to assets | 11.9576% | 1,991 |
| Core capital (leverage) ratio | 12.0055% | 1,685 |
| Tier 1 risk-based capital ratio | 21.8187% | 1,062 |
| Total risk-based capital ratio | 22.6422% | 1,110 |
| Memoranda: | ||
| Average total assets | $295,262,250 | 2,208 |
| Average earning assets | $268,458,000 | 2,234 |
| Average equity | $35,387,500 | 2,061 |
| Average total loans | $203,009,500 | 2,144 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,105 |
| Cost of funding earning assets | 0.4756% | 2,371 |
| Net interest margin | 3.2640% | 4,225 |
| Noninterest income to average assets | 0.6425% | 2,240 |
| Noninterest expense to average assets | 2.9879% | 2,146 |
| Loan and lease loss provision to assets | 0.0832% | 2,322 |
| Net operating income to assets | 0.4123% | 4,950 |
| Return on assets (ROA) | 0.4822% | 4,786 |
| Pretax return on assets | 0.6295% | 4,741 |
| Return on Equity (ROE) | 4.0201% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.0201% | 3,318 |
| Net charge-offs to loans | 0.0210% | 2,802 |
| Credit loss provision to net charge-offs | 580.9524% | 589 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 1,191 |
| Efficiency ratio | 82.3163% | 975 |
| Assets per employee ($millions) | 4.3280% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 5,338 |
| Loan loss allowance to noncurrent loans | 62.6801% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 2,469 |
| Noncurrent loans to loans | 1.0012% | 1,959 |
| Net loans and leases to total assets | 69.2012% | 2,633 |
| Net loans and leases to deposits | 88.6615% | 1,904 |
| Net loans and leases to core deposits | 91.2445% | 2,401 |
| Total domestic deposits to total assets | 78.0510% | 4,807 |
| Equity capital to assets | 11.9165% | 1,983 |
| Core capital (leverage) ratio | 11.9666% | 1,648 |
| Tier 1 risk-based capital ratio | 22.0102% | 1,052 |
| Total risk-based capital ratio | 22.8295% | 1,083 |
| Memoranda: | ||
| Average total assets | $293,244,670 | 2,234 |
| Average earning assets | $266,602,000 | 2,256 |
| Average equity | $35,173,330 | 2,067 |
| Average total loans | $199,787,670 | 2,168 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 4,016 |
| Cost of funding earning assets | 0.4632% | 2,395 |
| Net interest margin | 3.2649% | 4,126 |
| Noninterest income to average assets | 0.6333% | 2,250 |
| Noninterest expense to average assets | 3.0397% | 2,054 |
| Loan and lease loss provision to assets | -0.0468% | 5,713 |
| Net operating income to assets | 0.4540% | 4,760 |
| Return on assets (ROA) | 0.5892% | 4,247 |
| Pretax return on assets | 0.7902% | 4,144 |
| Return on Equity (ROE) | 4.8960% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.8960% | 2,951 |
| Net charge-offs to loans | 0.0266% | 2,224 |
| Credit loss provision to net charge-offs | -261.5385% | 4,093 |
| Earnings coverage of net charge-offs (x) | 31.4615% | 1,190 |
| Efficiency ratio | 83.9129% | 976 |
| Assets per employee ($millions) | 4.2376% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 5,495 |
| Loan loss allowance to noncurrent loans | 53.1954% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 2,442 |
| Noncurrent loans to loans | 1.1099% | 1,842 |
| Net loans and leases to total assets | 66.6222% | 2,877 |
| Net loans and leases to deposits | 85.1565% | 2,140 |
| Net loans and leases to core deposits | 87.7753% | 2,569 |
| Total domestic deposits to total assets | 78.2350% | 4,940 |
| Equity capital to assets | 12.0280% | 1,815 |
| Core capital (leverage) ratio | 12.0878% | 1,567 |
| Tier 1 risk-based capital ratio | 22.7225% | 1,010 |
| Total risk-based capital ratio | 23.4790% | 1,042 |
| Memoranda: | ||
| Average total assets | $290,552,500 | 2,255 |
| Average earning assets | $264,269,000 | 2,289 |
| Average equity | $34,967,000 | 2,083 |
| Average total loans | $195,701,500 | 2,220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 3,494 |
| Cost of funding earning assets | 0.4602% | 2,443 |
| Net interest margin | 3.4602% | 3,584 |
| Noninterest income to average assets | 0.7512% | 1,952 |
| Noninterest expense to average assets | 3.0914% | 2,065 |
| Loan and lease loss provision to assets | 0.0915% | 2,525 |
| Net operating income to assets | 0.5556% | 4,411 |
| Return on assets (ROA) | 0.5556% | 4,516 |
| Pretax return on assets | 0.6881% | 4,529 |
| Return on Equity (ROE) | 4.4759% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.4759% | 2,727 |
| Net charge-offs to loans | 0.0160% | 3,765 |
| Credit loss provision to net charge-offs | 879.3103% | 427 |
| Earnings coverage of net charge-offs (x) | 74.8966% | 753 |
| Efficiency ratio | 79.4159% | 1,492 |
| Assets per employee ($millions) | 4.1842% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6160% | 5,501 |
| Loan loss allowance to noncurrent loans | 55.6634% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 2,487 |
| Noncurrent loans to loans | 1.1067% | 1,870 |
| Net loans and leases to total assets | 67.2793% | 2,889 |
| Net loans and leases to deposits | 84.9284% | 2,316 |
| Net loans and leases to core deposits | 87.5647% | 2,716 |
| Total domestic deposits to total assets | 79.2188% | 4,742 |
| Equity capital to assets | 12.0414% | 1,771 |
| Core capital (leverage) ratio | 12.1080% | 1,531 |
| Tier 1 risk-based capital ratio | 22.0592% | 1,072 |
| Total risk-based capital ratio | 22.8326% | 1,114 |
| Memoranda: | ||
| Average total assets | $278,611,400 | 2,294 |
| Average earning assets | $251,201,600 | 2,347 |
| Average equity | $34,585,600 | 2,103 |
| Average total loans | $181,092,200 | 2,301 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,422 |
| Cost of funding earning assets | 0.4584% | 2,474 |
| Net interest margin | 3.4916% | 3,504 |
| Noninterest income to average assets | 0.6964% | 2,188 |
| Noninterest expense to average assets | 2.9753% | 2,381 |
| Loan and lease loss provision to assets | 0.0903% | 2,420 |
| Net operating income to assets | 0.5814% | 4,365 |
| Return on assets (ROA) | 0.5814% | 4,478 |
| Pretax return on assets | 0.7722% | 4,402 |
| Return on Equity (ROE) | 4.6475% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.6475% | 3,058 |
| Net charge-offs to loans | 0.0165% | 3,396 |
| Credit loss provision to net charge-offs | 850.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 81.1889% | 770 |
| Efficiency ratio | 77.0605% | 1,826 |
| Assets per employee ($millions) | 3.9741% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 5,602 |
| Loan loss allowance to noncurrent loans | 55.7289% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 2,741 |
| Noncurrent loans to loans | 1.0842% | 2,087 |
| Net loans and leases to total assets | 66.6394% | 3,012 |
| Net loans and leases to deposits | 84.6234% | 2,414 |
| Net loans and leases to core deposits | 87.2241% | 2,830 |
| Total domestic deposits to total assets | 78.7482% | 4,779 |
| Equity capital to assets | 12.4912% | 1,788 |
| Core capital (leverage) ratio | 12.2190% | 1,531 |
| Tier 1 risk-based capital ratio | 22.3466% | 1,085 |
| Total risk-based capital ratio | 23.0980% | 1,136 |
| Memoranda: | ||
| Average total assets | $276,086,000 | 2,318 |
| Average earning assets | $248,401,250 | 2,387 |
| Average equity | $34,540,750 | 2,112 |
| Average total loans | $177,503,250 | 2,336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,364 |
| Cost of funding earning assets | 0.4549% | 2,522 |
| Net interest margin | 3.5108% | 3,449 |
| Noninterest income to average assets | 0.6845% | 2,213 |
| Noninterest expense to average assets | 2.9315% | 2,578 |
| Loan and lease loss provision to assets | 0.0701% | 2,737 |
| Net operating income to assets | 0.6181% | 4,198 |
| Return on assets (ROA) | 0.6181% | 4,322 |
| Pretax return on assets | 0.8312% | 4,188 |
| Return on Equity (ROE) | 4.9379% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.9379% | 2,779 |
| Net charge-offs to loans | 0.0092% | 3,389 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 154.3750% | 401 |
| Efficiency ratio | 76.0282% | 2,073 |
| Assets per employee ($millions) | 3.5290% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5933% | 5,692 |
| Loan loss allowance to noncurrent loans | 42.5549% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 2,359 |
| Noncurrent loans to loans | 1.3943% | 1,603 |
| Net loans and leases to total assets | 64.0606% | 3,352 |
| Net loans and leases to deposits | 81.1308% | 2,800 |
| Net loans and leases to core deposits | 83.5313% | 3,126 |
| Total domestic deposits to total assets | 78.9597% | 4,796 |
| Equity capital to assets | 12.5604% | 1,734 |
| Core capital (leverage) ratio | 12.2490% | 1,493 |
| Tier 1 risk-based capital ratio | 17.1529% | 2,165 |
| Total risk-based capital ratio | 17.6967% | 2,391 |
| Memoranda: | ||
| Average total assets | $274,061,670 | 2,337 |
| Average earning assets | $245,758,000 | 2,418 |
| Average equity | $34,306,000 | 2,131 |
| Average total loans | $173,613,670 | 2,382 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,600 |
| Cost of funding earning assets | 0.4502% | 2,582 |
| Net interest margin | 3.4468% | 3,681 |
| Noninterest income to average assets | 0.6684% | 2,176 |
| Noninterest expense to average assets | 2.9179% | 2,643 |
| Loan and lease loss provision to assets | 0.0486% | 2,952 |
| Net operating income to assets | 0.5948% | 4,200 |
| Return on assets (ROA) | 0.5948% | 4,313 |
| Pretax return on assets | 0.7906% | 4,223 |
| Return on Equity (ROE) | 4.7599% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.7599% | 3,086 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1944% | 2,010 |
| Assets per employee ($millions) | 3.7929% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,767 |
| Loan loss allowance to noncurrent loans | 55.5495% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 3,062 |
| Noncurrent loans to loans | 1.0495% | 2,294 |
| Net loans and leases to total assets | 63.1315% | 3,366 |
| Net loans and leases to deposits | 80.1085% | 2,779 |
| Net loans and leases to core deposits | 82.3438% | 3,102 |
| Total domestic deposits to total assets | 78.8075% | 5,010 |
| Equity capital to assets | 12.5923% | 1,623 |
| Core capital (leverage) ratio | 12.3564% | 1,404 |
| Tier 1 risk-based capital ratio | 17.2420% | 2,196 |
| Total risk-based capital ratio | 17.7676% | 2,424 |
| Memoranda: | ||
| Average total assets | $271,698,000 | 2,371 |
| Average earning assets | $243,469,500 | 2,437 |
| Average equity | $33,950,500 | 2,149 |
| Average total loans | $170,590,500 | 2,402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,561 |
| Cost of funding earning assets | 0.4659% | 2,474 |
| Net interest margin | 3.4747% | 3,617 |
| Noninterest income to average assets | 0.6509% | 2,456 |
| Noninterest expense to average assets | 3.1145% | 2,188 |
| Loan and lease loss provision to assets | 0.0784% | 2,716 |
| Net operating income to assets | 0.4557% | 4,866 |
| Return on assets (ROA) | 0.4557% | 4,948 |
| Pretax return on assets | 0.5617% | 4,958 |
| Return on Equity (ROE) | 3.6830% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.6830% | 3,430 |
| Net charge-offs to loans | 0.0324% | 3,573 |
| Credit loss provision to net charge-offs | 403.8462% | 756 |
| Earnings coverage of net charge-offs (x) | 32.9808% | 1,357 |
| Efficiency ratio | 82.5547% | 1,332 |
| Assets per employee ($millions) | 3.8072% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,817 |
| Loan loss allowance to noncurrent loans | 75.0576% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 3,699 |
| Noncurrent loans to loans | 0.7767% | 2,842 |
| Net loans and leases to total assets | 61.7027% | 3,602 |
| Net loans and leases to deposits | 78.6065% | 2,986 |
| Net loans and leases to core deposits | 80.8744% | 3,253 |
| Total domestic deposits to total assets | 78.4957% | 5,063 |
| Equity capital to assets | 12.3980% | 1,672 |
| Core capital (leverage) ratio | 12.2501% | 1,482 |
| Tier 1 risk-based capital ratio | 17.5025% | 2,122 |
| Total risk-based capital ratio | 18.0245% | 2,321 |
| Memoranda: | ||
| Average total assets | $267,936,600 | 2,360 |
| Average earning assets | $239,327,600 | 2,435 |
| Average equity | $33,152,600 | 2,139 |
| Average total loans | $160,416,200 | 2,462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,561 |
| Cost of funding earning assets | 0.4629% | 2,552 |
| Net interest margin | 3.4824% | 3,616 |
| Noninterest income to average assets | 0.6478% | 2,497 |
| Noninterest expense to average assets | 2.9769% | 2,594 |
| Loan and lease loss provision to assets | 0.0813% | 2,547 |
| Net operating income to assets | 0.5421% | 4,622 |
| Return on assets (ROA) | 0.5421% | 4,718 |
| Pretax return on assets | 0.6997% | 4,683 |
| Return on Equity (ROE) | 4.3835% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.3835% | 3,354 |
| Net charge-offs to loans | 0.0387% | 3,118 |
| Credit loss provision to net charge-offs | 354.3478% | 830 |
| Earnings coverage of net charge-offs (x) | 34.0445% | 1,378 |
| Efficiency ratio | 78.8454% | 1,835 |
| Assets per employee ($millions) | 3.7926% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5739% | 5,931 |
| Loan loss allowance to noncurrent loans | 59.1540% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 3,315 |
| Noncurrent loans to loans | 0.9701% | 2,560 |
| Net loans and leases to total assets | 60.2880% | 3,840 |
| Net loans and leases to deposits | 77.6072% | 3,137 |
| Net loans and leases to core deposits | 79.8777% | 3,438 |
| Total domestic deposits to total assets | 77.6835% | 5,238 |
| Equity capital to assets | 12.5113% | 1,739 |
| Core capital (leverage) ratio | 12.2474% | 1,543 |
| Tier 1 risk-based capital ratio | 18.0610% | 2,004 |
| Total risk-based capital ratio | 18.5784% | 2,196 |
| Memoranda: | ||
| Average total assets | $267,343,500 | 2,381 |
| Average earning assets | $238,753,750 | 2,451 |
| Average equity | $33,062,500 | 2,157 |
| Average total loans | $158,578,750 | 2,497 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 3,365 |
| Cost of funding earning assets | 0.4584% | 2,627 |
| Net interest margin | 3.5241% | 3,395 |
| Noninterest income to average assets | 0.6127% | 2,667 |
| Noninterest expense to average assets | 2.9614% | 2,674 |
| Loan and lease loss provision to assets | 0.1087% | 2,014 |
| Net operating income to assets | 0.5369% | 4,624 |
| Return on assets (ROA) | 0.5369% | 4,732 |
| Pretax return on assets | 0.6907% | 4,683 |
| Return on Equity (ROE) | 4.3588% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.3588% | 3,242 |
| Net charge-offs to loans | 0.0535% | 2,653 |
| Credit loss provision to net charge-offs | 345.2381% | 837 |
| Earnings coverage of net charge-offs (x) | 25.3810% | 1,525 |
| Efficiency ratio | 78.4447% | 1,995 |
| Assets per employee ($millions) | 3.6893% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 6,024 |
| Loan loss allowance to noncurrent loans | 54.8425% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 3,348 |
| Noncurrent loans to loans | 1.0331% | 2,582 |
| Net loans and leases to total assets | 60.1449% | 3,810 |
| Net loans and leases to deposits | 77.1037% | 3,145 |
| Net loans and leases to core deposits | 79.3461% | 3,460 |
| Total domestic deposits to total assets | 78.0052% | 5,284 |
| Equity capital to assets | 12.2276% | 1,856 |
| Core capital (leverage) ratio | 12.1425% | 1,568 |
| Tier 1 risk-based capital ratio | 17.6769% | 2,164 |
| Total risk-based capital ratio | 18.1817% | 2,382 |
| Memoranda: | ||
| Average total assets | $266,699,330 | 2,401 |
| Average earning assets | $238,244,000 | 2,476 |
| Average equity | $32,853,330 | 2,181 |
| Average total loans | $157,012,330 | 2,523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,326 |
| Cost of funding earning assets | 0.4581% | 2,695 |
| Net interest margin | 3.5152% | 3,372 |
| Noninterest income to average assets | 0.6406% | 2,445 |
| Noninterest expense to average assets | 3.0355% | 2,465 |
| Loan and lease loss provision to assets | 0.0663% | 2,609 |
| Net operating income to assets | 0.5351% | 4,527 |
| Return on assets (ROA) | 0.5351% | 4,643 |
| Pretax return on assets | 0.6843% | 4,640 |
| Return on Equity (ROE) | 4.3274% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.3274% | 3,417 |
| Net charge-offs to loans | 0.1064% | 1,673 |
| Credit loss provision to net charge-offs | 107.3171% | 1,535 |
| Earnings coverage of net charge-offs (x) | 12.1463% | 1,814 |
| Efficiency ratio | 79.9363% | 1,907 |
| Assets per employee ($millions) | 3.8564% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 6,146 |
| Loan loss allowance to noncurrent loans | 40.6420% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 2,918 |
| Noncurrent loans to loans | 1.3087% | 2,194 |
| Net loans and leases to total assets | 57.8416% | 3,967 |
| Net loans and leases to deposits | 73.0410% | 3,426 |
| Net loans and leases to core deposits | 75.4245% | 3,648 |
| Total domestic deposits to total assets | 79.1907% | 5,234 |
| Equity capital to assets | 12.4284% | 1,735 |
| Core capital (leverage) ratio | 12.1741% | 1,530 |
| Tier 1 risk-based capital ratio | 18.6025% | 1,973 |
| Total risk-based capital ratio | 18.6025% | 2,313 |
| Memoranda: | ||
| Average total assets | $265,390,000 | 2,425 |
| Average earning assets | $237,482,000 | 2,494 |
| Average equity | $32,814,500 | 2,190 |
| Average total loans | $154,066,500 | 2,565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,238 |
| Cost of funding earning assets | 0.4831% | 2,846 |
| Net interest margin | 3.3890% | 4,240 |
| Noninterest income to average assets | 0.7067% | 2,271 |
| Noninterest expense to average assets | 2.9528% | 2,990 |
| Loan and lease loss provision to assets | 0.0405% | 3,768 |
| Net operating income to assets | 0.6064% | 4,339 |
| Return on assets (ROA) | 0.6068% | 4,432 |
| Pretax return on assets | 0.7534% | 4,430 |
| Return on Equity (ROE) | 4.7857% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.7857% | 2,771 |
| Net charge-offs to loans | 0.0200% | 4,446 |
| Credit loss provision to net charge-offs | 362.9630% | 726 |
| Earnings coverage of net charge-offs (x) | 71.1481% | 698 |
| Efficiency ratio | 78.6770% | 2,106 |
| Assets per employee ($millions) | 3.7315% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 6,218 |
| Loan loss allowance to noncurrent loans | 36.9702% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 2,863 |
| Noncurrent loans to loans | 1.4459% | 2,037 |
| Net loans and leases to total assets | 57.5905% | 4,105 |
| Net loans and leases to deposits | 73.3534% | 3,509 |
| Net loans and leases to core deposits | 75.6261% | 3,754 |
| Total domestic deposits to total assets | 78.5110% | 5,346 |
| Equity capital to assets | 12.2890% | 1,794 |
| Core capital (leverage) ratio | 11.9114% | 1,688 |
| Tier 1 risk-based capital ratio | 23.9559% | 963 |
| Total risk-based capital ratio | 24.5999% | 1,003 |
| Memoranda: | ||
| Average total assets | $242,107,800 | 2,598 |
| Average earning assets | $217,144,000 | 2,645 |
| Average equity | $30,695,800 | 2,235 |
| Average total loans | $135,259,600 | 2,773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 4,402 |
| Cost of funding earning assets | 0.4860% | 2,901 |
| Net interest margin | 3.3551% | 4,410 |
| Noninterest income to average assets | 0.7484% | 2,104 |
| Noninterest expense to average assets | 2.9621% | 2,927 |
| Loan and lease loss provision to assets | 0.0231% | 3,945 |
| Net operating income to assets | 0.6307% | 4,301 |
| Return on assets (ROA) | 0.6311% | 4,402 |
| Pretax return on assets | 0.7732% | 4,460 |
| Return on Equity (ROE) | 4.9353% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.9353% | 3,121 |
| Net charge-offs to loans | 0.0224% | 4,074 |
| Credit loss provision to net charge-offs | 186.3636% | 1,347 |
| Earnings coverage of net charge-offs (x) | 64.1422% | 824 |
| Efficiency ratio | 78.7033% | 2,087 |
| Assets per employee ($millions) | 3.6936% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 6,322 |
| Loan loss allowance to noncurrent loans | 36.0902% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 3,060 |
| Noncurrent loans to loans | 1.4206% | 2,288 |
| Net loans and leases to total assets | 57.6401% | 4,121 |
| Net loans and leases to deposits | 72.3736% | 3,649 |
| Net loans and leases to core deposits | 74.6379% | 3,882 |
| Total domestic deposits to total assets | 79.6425% | 5,189 |
| Equity capital to assets | 12.5249% | 1,679 |
| Core capital (leverage) ratio | 11.4219% | 2,124 |
| Tier 1 risk-based capital ratio | 23.3425% | 1,071 |
| Total risk-based capital ratio | 23.9579% | 1,139 |
| Memoranda: | ||
| Average total assets | $236,400,750 | 2,658 |
| Average earning assets | $212,048,000 | 2,708 |
| Average equity | $30,230,250 | 2,269 |
| Average total loans | $130,725,000 | 2,862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,980 |
| Cost of funding earning assets | 0.4862% | 2,966 |
| Net interest margin | 3.1732% | 5,031 |
| Noninterest income to average assets | 0.7222% | 2,175 |
| Noninterest expense to average assets | 2.8723% | 3,256 |
| Loan and lease loss provision to assets | -0.0314% | 6,264 |
| Net operating income to assets | 0.6193% | 4,252 |
| Return on assets (ROA) | 0.6200% | 4,348 |
| Pretax return on assets | 0.7379% | 4,502 |
| Return on Equity (ROE) | 4.8115% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.8115% | 3,080 |
| Net charge-offs to loans | 0.0241% | 3,713 |
| Credit loss provision to net charge-offs | -240.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | 53.8667% | 874 |
| Efficiency ratio | 80.2783% | 1,985 |
| Assets per employee ($millions) | 3.8626% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 6,423 |
| Loan loss allowance to noncurrent loans | 39.6366% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 3,540 |
| Noncurrent loans to loans | 1.2388% | 2,748 |
| Net loans and leases to total assets | 54.6619% | 4,455 |
| Net loans and leases to deposits | 67.2808% | 4,141 |
| Net loans and leases to core deposits | 69.0908% | 4,358 |
| Total domestic deposits to total assets | 81.2443% | 4,901 |
| Equity capital to assets | 12.0634% | 1,933 |
| Core capital (leverage) ratio | 12.3053% | 1,495 |
| Tier 1 risk-based capital ratio | 23.0802% | 1,100 |
| Total risk-based capital ratio | 23.6586% | 1,178 |
| Memoranda: | ||
| Average total assets | $229,018,000 | 2,738 |
| Average earning assets | $206,103,000 | 2,773 |
| Average equity | $29,512,670 | 2,296 |
| Average total loans | $124,368,000 | 2,983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 4,614 |
| Cost of funding earning assets | 0.5037% | 2,867 |
| Net interest margin | 3.2626% | 4,697 |
| Noninterest income to average assets | 0.6108% | 2,669 |
| Noninterest expense to average assets | 2.9907% | 2,894 |
| Loan and lease loss provision to assets | 0.0486% | 3,122 |
| Net operating income to assets | 0.4539% | 4,918 |
| Return on assets (ROA) | 0.4539% | 4,989 |
| Pretax return on assets | 0.5361% | 5,060 |
| Return on Equity (ROE) | 3.3915% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.3915% | 4,095 |
| Net charge-offs to loans | 0.0450% | 2,751 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.0769% | 1,192 |
| Efficiency ratio | 83.6468% | 1,710 |
| Assets per employee ($millions) | 4.0027% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6638% | 6,323 |
| Loan loss allowance to noncurrent loans | 60.5242% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 3,645 |
| Noncurrent loans to loans | 1.0968% | 3,228 |
| Net loans and leases to total assets | 52.7556% | 4,567 |
| Net loans and leases to deposits | 65.2271% | 4,175 |
| Net loans and leases to core deposits | 66.7541% | 4,418 |
| Total domestic deposits to total assets | 80.8799% | 5,266 |
| Equity capital to assets | 13.4554% | 1,113 |
| Core capital (leverage) ratio | 13.8677% | 862 |
| Tier 1 risk-based capital ratio | 30.4048% | 511 |
| Total risk-based capital ratio | 31.1859% | 522 |
| Memoranda: | ||
| Average total assets | $214,131,500 | 2,889 |
| Average earning assets | $194,571,000 | 2,909 |
| Average equity | $28,659,500 | 2,352 |
| Average total loans | $115,473,000 | 3,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 5,415 |
| Cost of funding earning assets | 0.5335% | 3,260 |
| Net interest margin | 3.0611% | 5,433 |
| Noninterest income to average assets | 0.7033% | 2,523 |
| Noninterest expense to average assets | 2.9505% | 3,199 |
| Loan and lease loss provision to assets | 0.0101% | 4,924 |
| Net operating income to assets | 0.4465% | 4,970 |
| Return on assets (ROA) | 0.4788% | 4,968 |
| Pretax return on assets | 0.5578% | 5,019 |
| Return on Equity (ROE) | 3.5134% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.5134% | 3,728 |
| Net charge-offs to loans | 0.0714% | 4,208 |
| Credit loss provision to net charge-offs | 25.9259% | 4,330 |
| Earnings coverage of net charge-offs (x) | 13.5926% | 2,007 |
| Efficiency ratio | 84.7634% | 1,542 |
| Assets per employee ($millions) | 4.0022% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 6,424 |
| Loan loss allowance to noncurrent loans | 54.7115% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 3,639 |
| Noncurrent loans to loans | 1.1786% | 3,188 |
| Net loans and leases to total assets | 54.4067% | 4,534 |
| Net loans and leases to deposits | 67.2077% | 4,157 |
| Net loans and leases to core deposits | 68.9339% | 4,398 |
| Total domestic deposits to total assets | 80.9531% | 5,194 |
| Equity capital to assets | 13.3114% | 1,135 |
| Core capital (leverage) ratio | 13.7930% | 879 |
| Tier 1 risk-based capital ratio | 29.8118% | 508 |
| Total risk-based capital ratio | 30.5708% | 525 |
| Memoranda: | ||
| Average total assets | $207,590,400 | 2,940 |
| Average earning assets | $188,363,400 | 2,971 |
| Average equity | $28,291,600 | 2,359 |
| Average total loans | $113,456,400 | 3,178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 5,610 |
| Cost of funding earning assets | 0.5314% | 3,452 |
| Net interest margin | 3.0020% | 5,594 |
| Noninterest income to average assets | 0.6904% | 2,662 |
| Noninterest expense to average assets | 2.8086% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4954% | 4,814 |
| Return on assets (ROA) | 0.5341% | 4,803 |
| Pretax return on assets | 0.6542% | 4,839 |
| Return on Equity (ROE) | 3.8955% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.8955% | 3,915 |
| Net charge-offs to loans | 0.0130% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 85.4329% | 557 |
| Efficiency ratio | 82.2273% | 1,801 |
| Assets per employee ($millions) | 4.1343% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 6,454 |
| Loan loss allowance to noncurrent loans | 111.4525% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 4,964 |
| Noncurrent loans to loans | 0.6199% | 4,655 |
| Net loans and leases to total assets | 53.3565% | 4,701 |
| Net loans and leases to deposits | 65.8513% | 4,324 |
| Net loans and leases to core deposits | 67.7557% | 4,548 |
| Total domestic deposits to total assets | 81.0257% | 5,206 |
| Equity capital to assets | 12.9962% | 1,334 |
| Core capital (leverage) ratio | 13.9875% | 875 |
| Tier 1 risk-based capital ratio | 29.9048% | 520 |
| Total risk-based capital ratio | 30.7207% | 533 |
| Memoranda: | ||
| Average total assets | $206,458,250 | 2,973 |
| Average earning assets | $187,425,000 | 3,014 |
| Average equity | $28,305,500 | 2,384 |
| Average total loans | $112,781,500 | 3,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 5,471 |
| Cost of funding earning assets | 0.5345% | 3,554 |
| Net interest margin | 3.0545% | 5,415 |
| Noninterest income to average assets | 0.6895% | 2,691 |
| Noninterest expense to average assets | 2.8681% | 3,443 |
| Loan and lease loss provision to assets | 0.0010% | 4,774 |
| Net operating income to assets | 0.4921% | 4,835 |
| Return on assets (ROA) | 0.4921% | 5,010 |
| Pretax return on assets | 0.5933% | 5,037 |
| Return on Equity (ROE) | 3.5248% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.5248% | 4,077 |
| Net charge-offs to loans | 0.0107% | 4,661 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 100.8333% | 457 |
| Efficiency ratio | 82.8369% | 1,783 |
| Assets per employee ($millions) | 3.8690% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 6,481 |
| Loan loss allowance to noncurrent loans | 53.3156% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 3,980 |
| Noncurrent loans to loans | 1.3357% | 3,321 |
| Net loans and leases to total assets | 54.6648% | 4,502 |
| Net loans and leases to deposits | 64.2150% | 4,470 |
| Net loans and leases to core deposits | 65.9433% | 4,696 |
| Total domestic deposits to total assets | 85.1279% | 3,834 |
| Equity capital to assets | 13.4969% | 1,138 |
| Core capital (leverage) ratio | 14.1056% | 797 |
| Tier 1 risk-based capital ratio | 30.9384% | 478 |
| Total risk-based capital ratio | 31.7984% | 497 |
| Memoranda: | ||
| Average total assets | $203,615,670 | 3,028 |
| Average earning assets | $184,840,670 | 3,051 |
| Average equity | $28,427,330 | 2,392 |
| Average total loans | $111,873,000 | 3,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 5,265 |
| Cost of funding earning assets | 0.5333% | 3,742 |
| Net interest margin | 3.1327% | 5,151 |
| Noninterest income to average assets | 0.6782% | 2,704 |
| Noninterest expense to average assets | 2.9178% | 3,279 |
| Loan and lease loss provision to assets | 0.0296% | 4,086 |
| Net operating income to assets | 0.4791% | 4,779 |
| Return on assets (ROA) | 0.4791% | 4,942 |
| Pretax return on assets | 0.5796% | 5,025 |
| Return on Equity (ROE) | 3.3746% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.3746% | 4,228 |
| Net charge-offs to loans | 0.0108% | 3,928 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 368 |
| Efficiency ratio | 82.7278% | 1,927 |
| Assets per employee ($millions) | 3.7314% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 6,546 |
| Loan loss allowance to noncurrent loans | 35.8986% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 3,415 |
| Noncurrent loans to loans | 2.0388% | 2,580 |
| Net loans and leases to total assets | 54.2585% | 4,361 |
| Net loans and leases to deposits | 64.1253% | 4,297 |
| Net loans and leases to core deposits | 65.8788% | 4,549 |
| Total domestic deposits to total assets | 84.6131% | 4,219 |
| Equity capital to assets | 14.0440% | 1,010 |
| Core capital (leverage) ratio | 14.1574% | 754 |
| Tier 1 risk-based capital ratio | 31.3323% | 474 |
| Total risk-based capital ratio | 32.2297% | 482 |
| Memoranda: | ||
| Average total assets | $202,896,000 | 3,069 |
| Average earning assets | $184,504,000 | 3,089 |
| Average equity | $28,803,000 | 2,399 |
| Average total loans | $111,361,000 | 3,264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 5,365 |
| Cost of funding earning assets | 0.6075% | 4,271 |
| Net interest margin | 3.3773% | 4,967 |
| Noninterest income to average assets | 0.8693% | 1,959 |
| Noninterest expense to average assets | 2.9602% | 3,428 |
| Loan and lease loss provision to assets | 0.0958% | 4,462 |
| Net operating income to assets | 0.6832% | 3,817 |
| Return on assets (ROA) | 0.7035% | 3,974 |
| Pretax return on assets | 0.8930% | 3,945 |
| Return on Equity (ROE) | 5.0952% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.0952% | 2,649 |
| Net charge-offs to loans | 0.3524% | 2,872 |
| Credit loss provision to net charge-offs | 50.8021% | 4,681 |
| Earnings coverage of net charge-offs (x) | 5.1096% | 3,149 |
| Efficiency ratio | 75.4528% | 2,838 |
| Assets per employee ($millions) | 3.8570% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 6,596 |
| Loan loss allowance to noncurrent loans | 43.4246% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1463% | 3,745 |
| Noncurrent loans to loans | 1.6852% | 3,094 |
| Net loans and leases to total assets | 54.7149% | 4,506 |
| Net loans and leases to deposits | 64.8905% | 4,443 |
| Net loans and leases to core deposits | 66.8525% | 4,649 |
| Total domestic deposits to total assets | 84.3188% | 4,172 |
| Equity capital to assets | 14.3515% | 922 |
| Core capital (leverage) ratio | 14.3360% | 710 |
| Tier 1 risk-based capital ratio | 31.3346% | 455 |
| Total risk-based capital ratio | 32.2261% | 463 |
| Memoranda: | ||
| Average total assets | $198,430,200 | 3,064 |
| Average earning assets | $179,433,600 | 3,100 |
| Average equity | $27,398,400 | 2,454 |
| Average total loans | $106,143,000 | 3,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 5,192 |
| Cost of funding earning assets | 0.6159% | 4,492 |
| Net interest margin | 3.4829% | 4,706 |
| Noninterest income to average assets | 0.8698% | 1,944 |
| Noninterest expense to average assets | 2.8465% | 3,812 |
| Loan and lease loss provision to assets | 0.1064% | 4,237 |
| Net operating income to assets | 0.8070% | 3,417 |
| Return on assets (ROA) | 0.8152% | 3,614 |
| Pretax return on assets | 1.0746% | 3,449 |
| Return on Equity (ROE) | 5.9637% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.9637% | 2,713 |
| Net charge-offs to loans | 0.4709% | 2,211 |
| Credit loss provision to net charge-offs | 42.5876% | 4,561 |
| Earnings coverage of net charge-offs (x) | 4.6820% | 3,233 |
| Efficiency ratio | 70.8655% | 3,522 |
| Assets per employee ($millions) | 3.7180% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 6,740 |
| Loan loss allowance to noncurrent loans | 41.5778% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 3,578 |
| Noncurrent loans to loans | 1.7056% | 3,221 |
| Net loans and leases to total assets | 55.4201% | 4,534 |
| Net loans and leases to deposits | 65.6326% | 4,515 |
| Net loans and leases to core deposits | 67.3961% | 4,790 |
| Total domestic deposits to total assets | 84.4399% | 4,009 |
| Equity capital to assets | 14.0555% | 1,136 |
| Core capital (leverage) ratio | 14.2413% | 763 |
| Tier 1 risk-based capital ratio | 30.3492% | 514 |
| Total risk-based capital ratio | 31.1926% | 528 |
| Memoranda: | ||
| Average total assets | $197,896,500 | 3,106 |
| Average earning assets | $178,811,500 | 3,147 |
| Average equity | $27,052,000 | 2,498 |
| Average total loans | $105,041,750 | 3,431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 5,064 |
| Cost of funding earning assets | 0.6300% | 4,623 |
| Net interest margin | 3.5364% | 4,522 |
| Noninterest income to average assets | 0.7579% | 2,383 |
| Noninterest expense to average assets | 2.8328% | 3,898 |
| Loan and lease loss provision to assets | 0.1534% | 3,602 |
| Net operating income to assets | 0.7465% | 3,624 |
| Return on assets (ROA) | 0.7589% | 3,833 |
| Pretax return on assets | 0.9830% | 3,779 |
| Return on Equity (ROE) | 5.6042% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.6042% | 2,931 |
| Net charge-offs to loans | 0.6983% | 1,587 |
| Credit loss provision to net charge-offs | 42.1053% | 4,216 |
| Earnings coverage of net charge-offs (x) | 3.0748% | 3,518 |
| Efficiency ratio | 71.6620% | 3,489 |
| Assets per employee ($millions) | 3.8946% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 6,807 |
| Loan loss allowance to noncurrent loans | 46.0094% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 3,868 |
| Noncurrent loans to loans | 1.5593% | 3,573 |
| Net loans and leases to total assets | 54.6228% | 4,688 |
| Net loans and leases to deposits | 64.3751% | 4,713 |
| Net loans and leases to core deposits | 65.9759% | 5,007 |
| Total domestic deposits to total assets | 84.8508% | 3,929 |
| Equity capital to assets | 13.6977% | 1,213 |
| Core capital (leverage) ratio | 14.0115% | 800 |
| Tier 1 risk-based capital ratio | 30.2588% | 506 |
| Total risk-based capital ratio | 31.1177% | 516 |
| Memoranda: | ||
| Average total assets | $198,177,000 | 3,104 |
| Average earning assets | $179,050,670 | 3,148 |
| Average equity | $26,837,000 | 2,496 |
| Average total loans | $103,393,000 | 3,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 5,286 |
| Cost of funding earning assets | 0.6556% | 4,674 |
| Net interest margin | 3.4905% | 4,757 |
| Noninterest income to average assets | 0.7840% | 2,240 |
| Noninterest expense to average assets | 2.8067% | 4,003 |
| Loan and lease loss provision to assets | 0.0667% | 4,578 |
| Net operating income to assets | 0.8083% | 3,338 |
| Return on assets (ROA) | 0.8083% | 3,577 |
| Pretax return on assets | 1.0629% | 3,460 |
| Return on Equity (ROE) | 6.0033% | 4,293 |
| Retained earnings to average equity (ytd only) | 6.0033% | 2,957 |
| Net charge-offs to loans | 1.1867% | 863 |
| Credit loss provision to net charge-offs | 11.0738% | 3,889 |
| Earnings coverage of net charge-offs (x) | 1.8758% | 3,398 |
| Efficiency ratio | 71.3039% | 3,570 |
| Assets per employee ($millions) | 4.0260% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 6,846 |
| Loan loss allowance to noncurrent loans | 35.9151% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 3,787 |
| Noncurrent loans to loans | 2.0227% | 3,123 |
| Net loans and leases to total assets | 50.4296% | 5,251 |
| Net loans and leases to deposits | 59.3589% | 5,238 |
| Net loans and leases to core deposits | 60.7453% | 5,459 |
| Total domestic deposits to total assets | 84.9570% | 4,065 |
| Equity capital to assets | 13.6130% | 1,195 |
| Core capital (leverage) ratio | 13.8658% | 839 |
| Tier 1 risk-based capital ratio | 30.9302% | 492 |
| Total risk-based capital ratio | 31.7558% | 497 |
| Memoranda: | ||
| Average total assets | $197,953,500 | 3,132 |
| Average earning assets | $178,770,500 | 3,161 |
| Average equity | $26,652,000 | 2,508 |
| Average total loans | $100,450,500 | 3,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 5,865 |
| Cost of funding earning assets | 0.8128% | 4,768 |
| Net interest margin | 3.4539% | 5,316 |
| Noninterest income to average assets | 0.7384% | 2,398 |
| Noninterest expense to average assets | 2.9158% | 3,898 |
| Loan and lease loss provision to assets | 0.1773% | 4,417 |
| Net operating income to assets | 0.6214% | 3,879 |
| Return on assets (ROA) | 0.6214% | 4,077 |
| Pretax return on assets | 0.7788% | 4,057 |
| Return on Equity (ROE) | 4.6687% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.6687% | 2,872 |
| Net charge-offs to loans | 0.1956% | 4,579 |
| Credit loss provision to net charge-offs | 175.2525% | 1,503 |
| Earnings coverage of net charge-offs (x) | 9.4495% | 1,980 |
| Efficiency ratio | 75.3068% | 3,006 |
| Assets per employee ($millions) | 3.9726% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 6,283 |
| Loan loss allowance to noncurrent loans | 51.3444% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 3,912 |
| Noncurrent loans to loans | 1.9208% | 3,312 |
| Net loans and leases to total assets | 50.1908% | 5,555 |
| Net loans and leases to deposits | 58.8522% | 5,612 |
| Net loans and leases to core deposits | 60.3017% | 5,822 |
| Total domestic deposits to total assets | 85.2828% | 3,699 |
| Equity capital to assets | 13.3156% | 1,356 |
| Core capital (leverage) ratio | 13.6323% | 915 |
| Tier 1 risk-based capital ratio | 29.6991% | 530 |
| Total risk-based capital ratio | 30.7967% | 527 |
| Memoranda: | ||
| Average total assets | $195,695,200 | 3,105 |
| Average earning assets | $177,539,600 | 3,123 |
| Average equity | $26,045,600 | 2,477 |
| Average total loans | $101,251,600 | 3,589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 5,887 |
| Cost of funding earning assets | 0.8404% | 4,851 |
| Net interest margin | 3.4796% | 5,274 |
| Noninterest income to average assets | 0.7270% | 2,439 |
| Noninterest expense to average assets | 2.8299% | 4,236 |
| Loan and lease loss provision to assets | 0.1573% | 4,502 |
| Net operating income to assets | 0.6962% | 3,642 |
| Return on assets (ROA) | 0.6962% | 3,812 |
| Pretax return on assets | 0.9027% | 3,754 |
| Return on Equity (ROE) | 5.2315% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.2315% | 3,040 |
| Net charge-offs to loans | 0.2459% | 3,888 |
| Credit loss provision to net charge-offs | 122.9947% | 2,625 |
| Earnings coverage of net charge-offs (x) | 8.2887% | 2,203 |
| Efficiency ratio | 72.7496% | 3,414 |
| Assets per employee ($millions) | 4.1059% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,619 |
| Loan loss allowance to noncurrent loans | 49.3326% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3730% | 4,077 |
| Noncurrent loans to loans | 1.8101% | 3,626 |
| Net loans and leases to total assets | 49.9513% | 5,711 |
| Net loans and leases to deposits | 58.4190% | 5,805 |
| Net loans and leases to core deposits | 59.8601% | 6,002 |
| Total domestic deposits to total assets | 85.5052% | 3,491 |
| Equity capital to assets | 13.4876% | 1,374 |
| Core capital (leverage) ratio | 13.5216% | 1,036 |
| Tier 1 risk-based capital ratio | 30.8323% | 501 |
| Total risk-based capital ratio | 31.8574% | 497 |
| Memoranda: | ||
| Average total assets | $194,961,000 | 3,133 |
| Average earning assets | $177,217,750 | 3,146 |
| Average equity | $25,944,750 | 2,489 |
| Average total loans | $101,392,500 | 3,611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 5,950 |
| Cost of funding earning assets | 0.8703% | 4,900 |
| Net interest margin | 3.4517% | 5,361 |
| Noninterest income to average assets | 0.7413% | 2,313 |
| Noninterest expense to average assets | 2.7943% | 4,443 |
| Loan and lease loss provision to assets | 0.1071% | 4,964 |
| Net operating income to assets | 0.7444% | 3,318 |
| Return on assets (ROA) | 0.7444% | 3,439 |
| Pretax return on assets | 0.9802% | 3,313 |
| Return on Equity (ROE) | 5.6194% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.6194% | 2,632 |
| Net charge-offs to loans | 0.3448% | 3,178 |
| Credit loss provision to net charge-offs | 59.0909% | 4,363 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,493 |
| Efficiency ratio | 71.9894% | 3,735 |
| Assets per employee ($millions) | 4.2077% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 6,921 |
| Loan loss allowance to noncurrent loans | 77.5879% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 4,808 |
| Noncurrent loans to loans | 0.9920% | 5,006 |
| Net loans and leases to total assets | 50.3292% | 5,778 |
| Net loans and leases to deposits | 58.6592% | 5,858 |
| Net loans and leases to core deposits | 60.0921% | 6,083 |
| Total domestic deposits to total assets | 85.7992% | 3,445 |
| Equity capital to assets | 13.2436% | 1,412 |
| Core capital (leverage) ratio | 13.4064% | 1,024 |
| Tier 1 risk-based capital ratio | 29.7204% | 551 |
| Total risk-based capital ratio | 30.5901% | 559 |
| Memoranda: | ||
| Average total assets | $194,253,330 | 3,164 |
| Average earning assets | $176,724,670 | 3,175 |
| Average equity | $25,732,330 | 2,490 |
| Average total loans | $102,079,000 | 3,627 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 5,812 |
| Cost of funding earning assets | 0.9111% | 4,845 |
| Net interest margin | 3.4526% | 5,212 |
| Noninterest income to average assets | 0.7023% | 2,566 |
| Noninterest expense to average assets | 2.7678% | 4,576 |
| Loan and lease loss provision to assets | 0.2556% | 3,098 |
| Net operating income to assets | 0.6504% | 3,747 |
| Return on assets (ROA) | 0.6504% | 3,823 |
| Pretax return on assets | 0.8208% | 3,825 |
| Return on Equity (ROE) | 4.9092% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.9092% | 3,249 |
| Net charge-offs to loans | 0.4584% | 2,320 |
| Credit loss provision to net charge-offs | 104.2373% | 2,551 |
| Earnings coverage of net charge-offs (x) | 4.3898% | 2,490 |
| Efficiency ratio | 72.0000% | 3,866 |
| Assets per employee ($millions) | 4.1077% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 6,868 |
| Loan loss allowance to noncurrent loans | 106.9270% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 5,077 |
| Noncurrent loans to loans | 0.7724% | 5,487 |
| Net loans and leases to total assets | 52.8061% | 5,488 |
| Net loans and leases to deposits | 61.5552% | 5,562 |
| Net loans and leases to core deposits | 62.6292% | 5,862 |
| Total domestic deposits to total assets | 85.7865% | 3,646 |
| Equity capital to assets | 13.2698% | 1,273 |
| Core capital (leverage) ratio | 13.5493% | 954 |
| Tier 1 risk-based capital ratio | 29.3988% | 551 |
| Total risk-based capital ratio | 30.3600% | 551 |
| Memoranda: | ||
| Average total assets | $192,498,000 | 3,214 |
| Average earning assets | $175,172,500 | 3,219 |
| Average equity | $25,503,000 | 2,494 |
| Average total loans | $102,966,000 | 3,641 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 5,625 |
| Cost of funding earning assets | 1.1347% | 4,935 |
| Net interest margin | 3.6139% | 4,749 |
| Noninterest income to average assets | 0.7278% | 2,662 |
| Noninterest expense to average assets | 2.8694% | 4,350 |
| Loan and lease loss provision to assets | 0.0955% | 6,190 |
| Net operating income to assets | 0.9241% | 2,301 |
| Return on assets (ROA) | 0.9241% | 2,425 |
| Pretax return on assets | 1.0102% | 2,904 |
| Return on Equity (ROE) | 7.1379% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.1379% | 1,265 |
| Net charge-offs to loans | 0.1504% | 5,450 |
| Credit loss provision to net charge-offs | 111.6564% | 3,924 |
| Earnings coverage of net charge-offs (x) | 12.9264% | 1,458 |
| Efficiency ratio | 72.1848% | 3,754 |
| Assets per employee ($millions) | 4.0837% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 6,931 |
| Loan loss allowance to noncurrent loans | 72.6334% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1035% | 4,805 |
| Noncurrent loans to loans | 1.1267% | 4,857 |
| Net loans and leases to total assets | 53.2946% | 5,737 |
| Net loans and leases to deposits | 62.0888% | 5,843 |
| Net loans and leases to core deposits | 63.4455% | 6,105 |
| Total domestic deposits to total assets | 85.8362% | 3,440 |
| Equity capital to assets | 13.2270% | 1,286 |
| Core capital (leverage) ratio | 13.3984% | 1,003 |
| Tier 1 risk-based capital ratio | 29.2539% | 534 |
| Total risk-based capital ratio | 30.2163% | 536 |
| Memoranda: | ||
| Average total assets | $190,564,800 | 3,222 |
| Average earning assets | $171,227,400 | 3,262 |
| Average equity | $24,671,200 | 2,582 |
| Average total loans | $108,368,400 | 3,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 5,497 |
| Cost of funding earning assets | 1.1803% | 4,978 |
| Net interest margin | 3.6638% | 4,577 |
| Noninterest income to average assets | 0.7584% | 2,462 |
| Noninterest expense to average assets | 2.7188% | 4,800 |
| Loan and lease loss provision to assets | 0.1079% | 5,951 |
| Net operating income to assets | 1.0376% | 2,110 |
| Return on assets (ROA) | 1.0388% | 2,214 |
| Pretax return on assets | 1.2140% | 2,440 |
| Return on Equity (ROE) | 8.0677% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.0677% | 1,401 |
| Net charge-offs to loans | 0.1204% | 5,345 |
| Credit loss provision to net charge-offs | 155.5556% | 2,466 |
| Earnings coverage of net charge-offs (x) | 19.0298% | 1,224 |
| Efficiency ratio | 67.3087% | 4,607 |
| Assets per employee ($millions) | 4.0523% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 6,963 |
| Loan loss allowance to noncurrent loans | 79.7101% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 4,895 |
| Noncurrent loans to loans | 1.0266% | 5,188 |
| Net loans and leases to total assets | 56.0016% | 5,548 |
| Net loans and leases to deposits | 65.3040% | 5,743 |
| Net loans and leases to core deposits | 66.6261% | 6,071 |
| Total domestic deposits to total assets | 85.7553% | 3,216 |
| Equity capital to assets | 13.3122% | 1,442 |
| Core capital (leverage) ratio | 13.4050% | 1,089 |
| Tier 1 risk-based capital ratio | 28.0162% | 627 |
| Total risk-based capital ratio | 28.9873% | 631 |
| Memoranda: | ||
| Average total assets | $190,222,750 | 3,272 |
| Average earning assets | $170,347,750 | 3,322 |
| Average equity | $24,492,250 | 2,653 |
| Average total loans | $109,677,000 | 3,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 5,390 |
| Cost of funding earning assets | 1.2282% | 4,966 |
| Net interest margin | 3.6706% | 4,500 |
| Noninterest income to average assets | 0.6343% | 3,100 |
| Noninterest expense to average assets | 2.6843% | 4,975 |
| Loan and lease loss provision to assets | 0.0694% | 6,257 |
| Net operating income to assets | 0.8630% | 2,683 |
| Return on assets (ROA) | 0.8646% | 2,813 |
| Pretax return on assets | 1.1707% | 2,515 |
| Return on Equity (ROE) | 6.7920% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.7920% | 1,926 |
| Net charge-offs to loans | 0.1576% | 4,682 |
| Credit loss provision to net charge-offs | 75.8621% | 4,816 |
| Earnings coverage of net charge-offs (x) | 13.5287% | 1,583 |
| Efficiency ratio | 68.4366% | 4,492 |
| Assets per employee ($millions) | 4.0806% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 7,177 |
| Loan loss allowance to noncurrent loans | 76.2808% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 4,188 |
| Noncurrent loans to loans | 0.9628% | 5,379 |
| Net loans and leases to total assets | 56.6629% | 5,603 |
| Net loans and leases to deposits | 65.8263% | 5,829 |
| Net loans and leases to core deposits | 67.3818% | 6,106 |
| Total domestic deposits to total assets | 86.0793% | 3,039 |
| Equity capital to assets | 12.8768% | 1,618 |
| Core capital (leverage) ratio | 12.9428% | 1,228 |
| Tier 1 risk-based capital ratio | 26.5890% | 730 |
| Total risk-based capital ratio | 27.4535% | 745 |
| Memoranda: | ||
| Average total assets | $190,144,670 | 3,299 |
| Average earning assets | $170,326,000 | 3,336 |
| Average equity | $24,205,000 | 2,672 |
| Average total loans | $110,389,670 | 3,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 5,173 |
| Cost of funding earning assets | 1.2743% | 4,969 |
| Net interest margin | 3.6914% | 4,288 |
| Noninterest income to average assets | 0.6127% | 3,187 |
| Noninterest expense to average assets | 2.8037% | 4,467 |
| Loan and lease loss provision to assets | -0.0275% | 7,850 |
| Net operating income to assets | 0.8557% | 2,730 |
| Return on assets (ROA) | 0.8557% | 2,819 |
| Pretax return on assets | 1.1536% | 2,539 |
| Return on Equity (ROE) | 6.7614% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.7614% | 2,236 |
| Net charge-offs to loans | 0.1624% | 3,949 |
| Credit loss provision to net charge-offs | -28.8889% | 5,983 |
| Earnings coverage of net charge-offs (x) | 11.8444% | 1,614 |
| Efficiency ratio | 71.3441% | 4,061 |
| Assets per employee ($millions) | 4.2195% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 7,340 |
| Loan loss allowance to noncurrent loans | 112.7941% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 4,568 |
| Noncurrent loans to loans | 0.6183% | 6,073 |
| Net loans and leases to total assets | 57.5124% | 5,522 |
| Net loans and leases to deposits | 66.7404% | 5,742 |
| Net loans and leases to core deposits | 68.6589% | 6,034 |
| Total domestic deposits to total assets | 86.1733% | 3,047 |
| Equity capital to assets | 12.7539% | 1,623 |
| Core capital (leverage) ratio | 12.8935% | 1,250 |
| Tier 1 risk-based capital ratio | 26.0039% | 772 |
| Total risk-based capital ratio | 26.8246% | 788 |
| Memoranda: | ||
| Average total assets | $189,323,500 | 3,373 |
| Average earning assets | $170,126,500 | 3,400 |
| Average equity | $23,959,500 | 2,723 |
| Average total loans | $110,846,500 | 3,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 5,595 |
| Cost of funding earning assets | 1.6220% | 4,922 |
| Net interest margin | 3.5906% | 4,583 |
| Noninterest income to average assets | 0.6716% | 3,147 |
| Noninterest expense to average assets | 2.9223% | 4,452 |
| Loan and lease loss provision to assets | 0.2211% | 5,593 |
| Net operating income to assets | 0.6806% | 3,013 |
| Return on assets (ROA) | 0.6825% | 3,065 |
| Pretax return on assets | 0.7939% | 3,266 |
| Return on Equity (ROE) | 5.4365% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.4365% | 1,605 |
| Net charge-offs to loans | 0.2528% | 5,039 |
| Credit loss provision to net charge-offs | 144.1281% | 3,316 |
| Earnings coverage of net charge-offs (x) | 6.6014% | 2,329 |
| Efficiency ratio | 74.2611% | 3,843 |
| Assets per employee ($millions) | 4.1037% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 7,291 |
| Loan loss allowance to noncurrent loans | 41.8782% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 3,420 |
| Noncurrent loans to loans | 1.7633% | 3,991 |
| Net loans and leases to total assets | 58.7478% | 5,528 |
| Net loans and leases to deposits | 67.9708% | 5,831 |
| Net loans and leases to core deposits | 79.3919% | 6,153 |
| Total domestic deposits to total assets | 86.4310% | 2,805 |
| Equity capital to assets | 12.5562% | 1,723 |
| Core capital (leverage) ratio | 12.7747% | 1,319 |
| Tier 1 risk-based capital ratio | 25.2117% | 823 |
| Total risk-based capital ratio | 26.0817% | 835 |
| Memoranda: | ||
| Average total assets | $183,143,600 | 3,384 |
| Average earning assets | $166,463,000 | 3,404 |
| Average equity | $22,992,600 | 2,827 |
| Average total loans | $111,134,800 | 3,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 5,524 |
| Cost of funding earning assets | 1.7420% | 4,685 |
| Net interest margin | 3.5388% | 4,705 |
| Noninterest income to average assets | 0.6441% | 3,388 |
| Noninterest expense to average assets | 2.7475% | 5,118 |
| Loan and lease loss provision to assets | 0.1974% | 5,413 |
| Net operating income to assets | 0.7196% | 3,136 |
| Return on assets (ROA) | 0.7219% | 3,199 |
| Pretax return on assets | 0.9273% | 3,139 |
| Return on Equity (ROE) | 5.7504% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.7504% | 2,078 |
| Net charge-offs to loans | 0.3304% | 3,983 |
| Credit loss provision to net charge-offs | 97.8182% | 5,226 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 2,789 |
| Efficiency ratio | 71.0087% | 4,422 |
| Assets per employee ($millions) | 4.1578% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 7,527 |
| Loan loss allowance to noncurrent loans | 87.2020% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 4,432 |
| Noncurrent loans to loans | 0.7216% | 5,865 |
| Net loans and leases to total assets | 59.9960% | 5,580 |
| Net loans and leases to deposits | 69.7347% | 5,950 |
| Net loans and leases to core deposits | 81.9923% | 6,189 |
| Total domestic deposits to total assets | 86.0345% | 2,695 |
| Equity capital to assets | 12.6793% | 1,842 |
| Core capital (leverage) ratio | 12.9327% | 1,394 |
| Tier 1 risk-based capital ratio | 25.5988% | 848 |
| Total risk-based capital ratio | 26.3511% | 864 |
| Memoranda: | ||
| Average total assets | $181,737,500 | 3,441 |
| Average earning assets | $165,628,000 | 3,455 |
| Average equity | $22,815,250 | 2,874 |
| Average total loans | $110,988,000 | 3,717 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3179% | 5,571 |
| Cost of funding earning assets | 1.8462% | 4,531 |
| Net interest margin | 3.4718% | 4,931 |
| Noninterest income to average assets | 0.6221% | 3,525 |
| Noninterest expense to average assets | 2.7286% | 5,262 |
| Loan and lease loss provision to assets | 0.1864% | 5,162 |
| Net operating income to assets | 0.6947% | 3,279 |
| Return on assets (ROA) | 0.6982% | 3,371 |
| Pretax return on assets | 0.8890% | 3,380 |
| Return on Equity (ROE) | 5.5800% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.5800% | 2,212 |
| Net charge-offs to loans | 0.0738% | 5,473 |
| Credit loss provision to net charge-offs | 412.1951% | 1,123 |
| Earnings coverage of net charge-offs (x) | 23.6829% | 1,178 |
| Efficiency ratio | 71.8142% | 4,449 |
| Assets per employee ($millions) | 4.0535% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,307 |
| Loan loss allowance to noncurrent loans | 37.4097% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 4,388 |
| Noncurrent loans to loans | 2.0011% | 3,520 |
| Net loans and leases to total assets | 60.2558% | 5,635 |
| Net loans and leases to deposits | 69.8142% | 6,006 |
| Net loans and leases to core deposits | 81.8266% | 6,254 |
| Total domestic deposits to total assets | 86.3088% | 2,617 |
| Equity capital to assets | 12.4813% | 1,933 |
| Core capital (leverage) ratio | 12.7246% | 1,531 |
| Tier 1 risk-based capital ratio | 25.2965% | 914 |
| Total risk-based capital ratio | 26.1975% | 926 |
| Memoranda: | ||
| Average total assets | $181,335,330 | 3,461 |
| Average earning assets | $165,966,330 | 3,460 |
| Average equity | $22,688,330 | 2,889 |
| Average total loans | $111,166,000 | 3,738 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 4,752 |
| Cost of funding earning assets | 2.0381% | 3,934 |
| Net interest margin | 3.4918% | 4,765 |
| Noninterest income to average assets | 0.5885% | 3,638 |
| Noninterest expense to average assets | 2.6925% | 5,047 |
| Loan and lease loss provision to assets | 0.2102% | 4,340 |
| Net operating income to assets | 0.6947% | 3,587 |
| Return on assets (ROA) | 0.6947% | 3,772 |
| Pretax return on assets | 0.8850% | 3,769 |
| Return on Equity (ROE) | 5.5455% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.5455% | 2,847 |
| Net charge-offs to loans | -0.0251% | 7,499 |
| Credit loss provision to net charge-offs | -1,357.1429% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0864% | 4,352 |
| Assets per employee ($millions) | 4.2223% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 7,385 |
| Loan loss allowance to noncurrent loans | 165.9091% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 6,706 |
| Noncurrent loans to loans | 0.4335% | 6,339 |
| Net loans and leases to total assets | 61.0499% | 5,491 |
| Net loans and leases to deposits | 70.6295% | 5,920 |
| Net loans and leases to core deposits | 83.8193% | 6,073 |
| Total domestic deposits to total assets | 86.4368% | 2,486 |
| Equity capital to assets | 12.3916% | 2,037 |
| Core capital (leverage) ratio | 12.7474% | 1,584 |
| Tier 1 risk-based capital ratio | 24.9867% | 983 |
| Total risk-based capital ratio | 25.8604% | 996 |
| Memoranda: | ||
| Average total assets | $180,798,500 | 3,495 |
| Average earning assets | $165,646,000 | 3,481 |
| Average equity | $22,649,000 | 2,904 |
| Average total loans | $111,378,500 | 3,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6100% | 7,032 |
| Cost of funding earning assets | 2.3073% | 5,112 |
| Net interest margin | 3.3027% | 6,026 |
| Noninterest income to average assets | 0.6431% | 3,526 |
| Noninterest expense to average assets | 2.8875% | 4,492 |
| Loan and lease loss provision to assets | 0.0081% | 7,269 |
| Net operating income to assets | 0.6500% | 4,109 |
| Return on assets (ROA) | 0.6500% | 3,959 |
| Pretax return on assets | 0.7949% | 4,095 |
| Return on Equity (ROE) | 5.0729% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.0729% | 1,983 |
| Net charge-offs to loans | -0.1370% | 8,126 |
| Credit loss provision to net charge-offs | -9.3333% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2418% | 2,878 |
| Assets per employee ($millions) | 3.9139% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 7,609 |
| Loan loss allowance to noncurrent loans | 206.1765% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 6,804 |
| Noncurrent loans to loans | 0.3060% | 6,464 |
| Net loans and leases to total assets | 61.3267% | 5,723 |
| Net loans and leases to deposits | 71.6059% | 6,103 |
| Net loans and leases to core deposits | 84.2962% | 6,266 |
| Total domestic deposits to total assets | 85.6448% | 2,567 |
| Equity capital to assets | 12.6639% | 1,939 |
| Core capital (leverage) ratio | 12.6373% | 1,690 |
| Tier 1 risk-based capital ratio | 25.0853% | 976 |
| Total risk-based capital ratio | 25.8614% | 998 |
| Memoranda: | ||
| Average total assets | $173,231,600 | 3,501 |
| Average earning assets | $159,840,600 | 3,474 |
| Average equity | $22,196,200 | 2,952 |
| Average total loans | $109,453,600 | 3,688 |