Home > North Shore Trust and Savings > Performance and Condition Ratios
North Shore Trust and Savings, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 4,453 |
| Cost of funding earning assets | 0.6992% | 3,931 |
| Net interest margin | 2.5913% | 3,978 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.5841% | 2,054 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | -0.3962% | 4,500 |
| Return on assets (ROA) | -1.0918% | 4,527 |
| Pretax return on assets | -0.7417% | 4,506 |
| Return on Equity (ROE) | -5.1500% | 4,472 |
| Retained earnings to average equity (ytd only) | -5.1470% | 4,395 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 99.1520% | 200 |
| Assets per employee ($millions) | 5.5843% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,482 |
| Loan loss allowance to noncurrent loans | 588.0000% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,026 |
| Noncurrent loans to loans | 0.1637% | 2,700 |
| Net loans and leases to total assets | 47.1100% | 3,772 |
| Net loans and leases to deposits | 63.7193% | 3,305 |
| Net loans and leases to core deposits | 67.2515% | 3,445 |
| Total domestic deposits to total assets | 73.9300% | 4,109 |
| Equity capital to assets | 21.4245% | 257 |
| Core capital (leverage) ratio | 24.7211% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $257,920,000 | 2,634 |
| Average earning assets | $234,982,600 | 2,656 |
| Average equity | $54,711,800 | 1,497 |
| Average total loans | $108,901,800 | 3,077 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 4,479 |
| Cost of funding earning assets | 0.5762% | 4,014 |
| Net interest margin | 2.6291% | 3,983 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.4169% | 2,476 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.1425% | 4,284 |
| Return on assets (ROA) | 0.1425% | 4,300 |
| Pretax return on assets | 0.1735% | 4,284 |
| Return on Equity (ROE) | 0.6700% | 4,347 |
| Retained earnings to average equity (ytd only) | 0.6736% | 4,017 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.3441% | 308 |
| Assets per employee ($millions) | 5.8507% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,459 |
| Loan loss allowance to noncurrent loans | 522.6601% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,052 |
| Noncurrent loans to loans | 0.1879% | 2,609 |
| Net loans and leases to total assets | 42.5300% | 3,974 |
| Net loans and leases to deposits | 57.3036% | 3,644 |
| Net loans and leases to core deposits | 60.1913% | 3,696 |
| Total domestic deposits to total assets | 74.2100% | 4,149 |
| Equity capital to assets | 21.0460% | 262 |
| Core capital (leverage) ratio | 25.8049% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $258,180,250 | 2,640 |
| Average earning assets | $234,849,000 | 2,667 |
| Average equity | $54,631,000 | 1,489 |
| Average total loans | $105,582,500 | 3,118 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1247% | 4,521 |
| Cost of funding earning assets | 0.4696% | 4,038 |
| Net interest margin | 2.6550% | 4,031 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3243% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2143% | 4,262 |
| Return on assets (ROA) | 0.2143% | 4,286 |
| Pretax return on assets | 0.3149% | 4,213 |
| Return on Equity (ROE) | 1.0100% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.0110% | 3,914 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.0163% | 424 |
| Assets per employee ($millions) | 6.9356% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 3,593 |
| Loan loss allowance to noncurrent loans | 687.0748% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,195 |
| Noncurrent loans to loans | 0.1390% | 2,776 |
| Net loans and leases to total assets | 40.8300% | 4,012 |
| Net loans and leases to deposits | 55.1376% | 3,689 |
| Net loans and leases to core deposits | 57.2397% | 3,756 |
| Total domestic deposits to total assets | 74.0400% | 4,192 |
| Equity capital to assets | 21.4068% | 245 |
| Core capital (leverage) ratio | 25.6183% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $260,379,667 | 2,632 |
| Average earning assets | $237,208,667 | 2,659 |
| Average equity | $55,192,000 | 1,476 |
| Average total loans | $104,760,667 | 3,122 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1098% | 4,523 |
| Cost of funding earning assets | 0.4254% | 3,896 |
| Net interest margin | 2.6845% | 4,092 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2939% | 2,831 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.4072% | 4,077 |
| Return on assets (ROA) | 0.4072% | 4,025 |
| Pretax return on assets | 0.4164% | 4,110 |
| Return on Equity (ROE) | 1.9300% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.9306% | 3,714 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.9920% | 508 |
| Assets per employee ($millions) | 7.0271% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 3,759 |
| Loan loss allowance to noncurrent loans | 661.4865% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,218 |
| Noncurrent loans to loans | 0.1416% | 2,787 |
| Net loans and leases to total assets | 39.8200% | 4,048 |
| Net loans and leases to deposits | 52.5109% | 3,765 |
| Net loans and leases to core deposits | 54.4287% | 3,816 |
| Total domestic deposits to total assets | 75.8400% | 4,167 |
| Equity capital to assets | 21.5899% | 200 |
| Core capital (leverage) ratio | 25.2580% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $262,260,000 | 2,655 |
| Average earning assets | $238,857,000 | 2,679 |
| Average equity | $55,321,000 | 1,484 |
| Average total loans | $104,252,500 | 3,158 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3977% | 4,532 |
| Cost of funding earning assets | 0.3414% | 2,550 |
| Net interest margin | 2.0563% | 4,538 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2471% | 2,907 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.0772% | 4,525 |
| Return on assets (ROA) | 0.0772% | 4,515 |
| Pretax return on assets | 0.1600% | 4,463 |
| Return on Equity (ROE) | 0.4100% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.4106% | 4,283 |
| Net charge-offs to loans | -0.0759% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 96.5776% | 189 |
| Assets per employee ($millions) | 7.5577% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 4,337 |
| Loan loss allowance to noncurrent loans | 405.1948% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,226 |
| Noncurrent loans to loans | 0.1481% | 2,762 |
| Net loans and leases to total assets | 39.0700% | 4,099 |
| Net loans and leases to deposits | 50.8286% | 3,861 |
| Net loans and leases to core deposits | 53.1278% | 3,860 |
| Total domestic deposits to total assets | 76.8700% | 4,185 |
| Equity capital to assets | 20.6065% | 210 |
| Core capital (leverage) ratio | 24.8117% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $286,320,800 | 2,521 |
| Average earning assets | $264,790,600 | 2,525 |
| Average equity | $53,829,800 | 1,527 |
| Average total loans | $98,877,400 | 3,168 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2104% | 4,564 |
| Cost of funding earning assets | 0.3343% | 1,821 |
| Net interest margin | 1.8761% | 4,591 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.3456% | 2,492 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | -0.0502% | 4,615 |
| Return on assets (ROA) | -0.0498% | 4,590 |
| Pretax return on assets | -0.0795% | 4,591 |
| Return on Equity (ROE) | -0.2700% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.2708% | 4,371 |
| Net charge-offs to loans | -0.0082% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 105.6608% | 116 |
| Assets per employee ($millions) | 7.4492% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 4,259 |
| Loan loss allowance to noncurrent loans | 430.8176% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,298 |
| Noncurrent loans to loans | 0.1614% | 2,799 |
| Net loans and leases to total assets | 36.4900% | 4,206 |
| Net loans and leases to deposits | 46.9179% | 3,995 |
| Net loans and leases to core deposits | 48.8949% | 4,005 |
| Total domestic deposits to total assets | 77.7700% | 4,273 |
| Equity capital to assets | 19.7024% | 227 |
| Core capital (leverage) ratio | 23.7750% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $291,771,250 | 2,509 |
| Average earning assets | $270,837,000 | 2,511 |
| Average equity | $53,660,250 | 1,545 |
| Average total loans | $97,601,000 | 3,196 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0047% | 4,620 |
| Cost of funding earning assets | 0.3233% | 1,501 |
| Net interest margin | 1.6814% | 4,659 |
| Noninterest income to average assets | 0.5774% | 1,838 |
| Noninterest expense to average assets | 2.3101% | 2,518 |
| Loan and lease loss provision to assets | -0.0107% | 4,400 |
| Net operating income to assets | -0.1295% | 4,623 |
| Return on assets (ROA) | -0.1295% | 4,594 |
| Pretax return on assets | -0.1529% | 4,590 |
| Return on Equity (ROE) | -0.7194% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.7194% | 4,269 |
| Net charge-offs to loans | -0.0123% | 3,661 |
| Credit loss provision to net charge-offs | 266.6667% | 841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6182% | 127 |
| Assets per employee ($millions) | 7.2169% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,175 |
| Loan loss allowance to noncurrent loans | 471.7791% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,389 |
| Noncurrent loans to loans | 0.1695% | 2,844 |
| Net loans and leases to total assets | 34.7788% | 4,298 |
| Net loans and leases to deposits | 45.3503% | 4,052 |
| Net loans and leases to core deposits | 47.3591% | 4,061 |
| Total domestic deposits to total assets | 76.6892% | 4,424 |
| Equity capital to assets | 20.8655% | 152 |
| Core capital (leverage) ratio | 23.2607% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,638,000 | 2,485 |
| Average earning assets | $279,647,000 | 2,485 |
| Average equity | $53,935,000 | 1,584 |
| Average total loans | $97,289,667 | 3,225 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7658% | 4,668 |
| Cost of funding earning assets | 0.2604% | 2,040 |
| Net interest margin | 1.5054% | 4,695 |
| Noninterest income to average assets | 0.2305% | 3,769 |
| Noninterest expense to average assets | 2.0939% | 3,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3535% | 4,676 |
| Return on assets (ROA) | -0.3535% | 4,660 |
| Pretax return on assets | -0.4495% | 4,675 |
| Return on Equity (ROE) | -2.1112% | 4,640 |
| Retained earnings to average equity (ytd only) | -2.1112% | 4,257 |
| Net charge-offs to loans | -0.0245% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.3364% | 68 |
| Assets per employee ($millions) | 7.7001% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,246 |
| Loan loss allowance to noncurrent loans | 358.4475% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,301 |
| Noncurrent loans to loans | 0.2228% | 2,705 |
| Net loans and leases to total assets | 34.2290% | 4,296 |
| Net loans and leases to deposits | 45.8012% | 3,989 |
| Net loans and leases to core deposits | 47.8595% | 3,990 |
| Total domestic deposits to total assets | 74.7337% | 4,551 |
| Equity capital to assets | 21.2008% | 139 |
| Core capital (leverage) ratio | 21.7391% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,336,000 | 2,436 |
| Average earning assets | $293,348,000 | 2,428 |
| Average equity | $52,291,500 | 1,667 |
| Average total loans | $97,861,000 | 3,215 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0250% | 4,678 |
| Cost of funding earning assets | 0.3815% | 1,672 |
| Net interest margin | 1.6436% | 4,701 |
| Noninterest income to average assets | 0.4194% | 2,950 |
| Noninterest expense to average assets | 2.1052% | 3,376 |
| Loan and lease loss provision to assets | -0.0087% | 4,160 |
| Net operating income to assets | -0.0369% | 4,692 |
| Return on assets (ROA) | 0.0023% | 4,689 |
| Pretax return on assets | -0.0927% | 4,708 |
| Return on Equity (ROE) | 0.0134% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.0134% | 4,483 |
| Net charge-offs to loans | 0.0686% | 1,108 |
| Credit loss provision to net charge-offs | -33.8235% | 3,216 |
| Earnings coverage of net charge-offs (x) | -5.8676% | 2,675 |
| Efficiency ratio | 107.7296% | 105 |
| Assets per employee ($millions) | 9.7076% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,266 |
| Loan loss allowance to noncurrent loans | 544.7552% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,711 |
| Noncurrent loans to loans | 0.1468% | 3,204 |
| Net loans and leases to total assets | 28.4424% | 4,557 |
| Net loans and leases to deposits | 33.5288% | 4,538 |
| Net loans and leases to core deposits | 34.6567% | 4,539 |
| Total domestic deposits to total assets | 84.8299% | 3,320 |
| Equity capital to assets | 13.0033% | 898 |
| Core capital (leverage) ratio | 16.1133% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,157,000 | 2,640 |
| Average earning assets | $246,660,800 | 2,639 |
| Average equity | $44,861,200 | 1,929 |
| Average total loans | $99,147,600 | 3,207 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2095% | 4,710 |
| Cost of funding earning assets | 0.4195% | 1,552 |
| Net interest margin | 1.7899% | 4,749 |
| Noninterest income to average assets | 0.4452% | 2,860 |
| Noninterest expense to average assets | 2.2991% | 2,757 |
| Loan and lease loss provision to assets | 0.0029% | 2,910 |
| Net operating income to assets | -0.0459% | 4,758 |
| Return on assets (ROA) | 0.0103% | 4,750 |
| Pretax return on assets | -0.1223% | 4,781 |
| Return on Equity (ROE) | 0.0563% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.0563% | 4,555 |
| Net charge-offs to loans | 0.1232% | 641 |
| Credit loss provision to net charge-offs | 5.4348% | 2,036 |
| Earnings coverage of net charge-offs (x) | -3.8152% | 2,427 |
| Efficiency ratio | 109.0511% | 107 |
| Assets per employee ($millions) | 7.4122% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,349 |
| Loan loss allowance to noncurrent loans | 529.0541% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 3,420 |
| Noncurrent loans to loans | 0.1512% | 3,362 |
| Net loans and leases to total assets | 37.4377% | 4,326 |
| Net loans and leases to deposits | 46.8648% | 4,191 |
| Net loans and leases to core deposits | 49.0287% | 4,190 |
| Total domestic deposits to total assets | 79.8844% | 4,244 |
| Equity capital to assets | 17.3082% | 319 |
| Core capital (leverage) ratio | 18.3337% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,254,500 | 2,784 |
| Average earning assets | $227,862,500 | 2,778 |
| Average equity | $45,031,250 | 1,940 |
| Average total loans | $99,580,250 | 3,246 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3052% | 4,722 |
| Cost of funding earning assets | 0.4397% | 1,593 |
| Net interest margin | 1.8655% | 4,767 |
| Noninterest income to average assets | 0.4823% | 2,704 |
| Noninterest expense to average assets | 2.3939% | 2,485 |
| Loan and lease loss provision to assets | 0.0141% | 2,672 |
| Net operating income to assets | 0.0000% | 4,773 |
| Return on assets (ROA) | 0.0000% | 4,784 |
| Pretax return on assets | -0.1937% | 4,830 |
| Return on Equity (ROE) | 0.0000% | 4,784 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,512 |
| Net charge-offs to loans | 0.1897% | 450 |
| Credit loss provision to net charge-offs | 17.8947% | 1,741 |
| Earnings coverage of net charge-offs (x) | -2.2737% | 2,219 |
| Efficiency ratio | 108.1112% | 106 |
| Assets per employee ($millions) | 6.8399% | 1,915 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,366 |
| Loan loss allowance to noncurrent loans | 158.4000% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 2,746 |
| Noncurrent loans to loans | 0.5049% | 2,161 |
| Net loans and leases to total assets | 41.0366% | 4,235 |
| Net loans and leases to deposits | 52.3450% | 3,971 |
| Net loans and leases to core deposits | 54.9662% | 3,970 |
| Total domestic deposits to total assets | 78.3965% | 4,398 |
| Equity capital to assets | 18.7246% | 243 |
| Core capital (leverage) ratio | 18.4458% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,530,667 | 2,809 |
| Average earning assets | $223,323,000 | 2,810 |
| Average equity | $45,074,333 | 1,928 |
| Average total loans | $100,138,333 | 3,250 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3394% | 4,746 |
| Cost of funding earning assets | 0.4554% | 1,682 |
| Net interest margin | 1.8840% | 4,778 |
| Noninterest income to average assets | 0.5442% | 2,426 |
| Noninterest expense to average assets | 2.4770% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1145% | 4,813 |
| Return on assets (ROA) | -0.1145% | 4,817 |
| Pretax return on assets | -0.1825% | 4,832 |
| Return on Equity (ROE) | -0.6106% | 4,806 |
| Retained earnings to average equity (ytd only) | -0.6106% | 4,420 |
| Net charge-offs to loans | -0.0079% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9537% | 122 |
| Assets per employee ($millions) | 6.8565% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,242 |
| Loan loss allowance to noncurrent loans | 241.5512% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 3,278 |
| Noncurrent loans to loans | 0.3607% | 2,790 |
| Net loans and leases to total assets | 41.3431% | 4,276 |
| Net loans and leases to deposits | 52.4104% | 4,027 |
| Net loans and leases to core deposits | 55.0037% | 4,047 |
| Total domestic deposits to total assets | 78.8834% | 4,345 |
| Equity capital to assets | 18.6414% | 235 |
| Core capital (leverage) ratio | 18.2922% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,098,000 | 2,790 |
| Average earning assets | $223,991,000 | 2,785 |
| Average equity | $45,198,500 | 1,914 |
| Average total loans | $100,691,500 | 3,249 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7046% | 4,792 |
| Cost of funding earning assets | 0.6676% | 1,891 |
| Net interest margin | 2.0370% | 4,815 |
| Noninterest income to average assets | 0.6214% | 2,134 |
| Noninterest expense to average assets | 2.5050% | 2,839 |
| Loan and lease loss provision to assets | 0.1935% | 2,022 |
| Net operating income to assets | 0.0077% | 4,728 |
| Return on assets (ROA) | 0.0271% | 4,749 |
| Pretax return on assets | -0.1589% | 4,812 |
| Return on Equity (ROE) | 0.1426% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.1426% | 4,481 |
| Net charge-offs to loans | -0.0168% | 4,384 |
| Credit loss provision to net charge-offs | -2,729.4118% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6020% | 180 |
| Assets per employee ($millions) | 6.7283% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,302 |
| Loan loss allowance to noncurrent loans | 245.0704% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 3,552 |
| Noncurrent loans to loans | 0.3505% | 2,943 |
| Net loans and leases to total assets | 41.4612% | 4,383 |
| Net loans and leases to deposits | 52.8613% | 4,171 |
| Net loans and leases to core deposits | 56.0178% | 4,151 |
| Total domestic deposits to total assets | 78.4340% | 4,271 |
| Equity capital to assets | 18.8515% | 234 |
| Core capital (leverage) ratio | 18.4095% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,762,000 | 2,659 |
| Average earning assets | $222,875,600 | 2,650 |
| Average equity | $45,570,200 | 1,832 |
| Average total loans | $101,456,600 | 3,206 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8019% | 4,834 |
| Cost of funding earning assets | 0.7098% | 1,968 |
| Net interest margin | 2.0921% | 4,856 |
| Noninterest income to average assets | 0.4594% | 2,797 |
| Noninterest expense to average assets | 2.4626% | 2,956 |
| Loan and lease loss provision to assets | 0.1727% | 2,257 |
| Net operating income to assets | -0.0661% | 4,799 |
| Return on assets (ROA) | -0.0401% | 4,805 |
| Pretax return on assets | -0.1990% | 4,835 |
| Return on Equity (ROE) | -0.2108% | 4,803 |
| Retained earnings to average equity (ytd only) | -0.2108% | 4,511 |
| Net charge-offs to loans | -0.0131% | 4,298 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4588% | 150 |
| Assets per employee ($millions) | 6.6322% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 4,618 |
| Loan loss allowance to noncurrent loans | 235.5482% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,795 |
| Noncurrent loans to loans | 0.2858% | 3,256 |
| Net loans and leases to total assets | 43.8197% | 4,425 |
| Net loans and leases to deposits | 56.1864% | 4,246 |
| Net loans and leases to core deposits | 59.4608% | 4,231 |
| Total domestic deposits to total assets | 77.9898% | 4,208 |
| Equity capital to assets | 19.0829% | 236 |
| Core capital (leverage) ratio | 18.3142% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,147,750 | 2,634 |
| Average earning assets | $222,227,750 | 2,637 |
| Average equity | $45,547,250 | 1,819 |
| Average total loans | $101,496,500 | 3,213 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 4,864 |
| Cost of funding earning assets | 0.7558% | 2,076 |
| Net interest margin | 2.1981% | 4,881 |
| Noninterest income to average assets | 0.3628% | 3,313 |
| Noninterest expense to average assets | 2.4524% | 3,096 |
| Loan and lease loss provision to assets | 0.1839% | 2,184 |
| Net operating income to assets | -0.1685% | 4,855 |
| Return on assets (ROA) | -0.1296% | 4,847 |
| Pretax return on assets | -0.1822% | 4,844 |
| Return on Equity (ROE) | -0.6807% | 4,833 |
| Retained earnings to average equity (ytd only) | -0.6807% | 4,433 |
| Net charge-offs to loans | -0.0140% | 4,299 |
| Credit loss provision to net charge-offs | -3,142.8571% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9812% | 158 |
| Assets per employee ($millions) | 6.3085% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 4,735 |
| Loan loss allowance to noncurrent loans | 371.0843% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,190 |
| Noncurrent loans to loans | 0.1631% | 3,799 |
| Net loans and leases to total assets | 41.1088% | 4,563 |
| Net loans and leases to deposits | 52.4718% | 4,429 |
| Net loans and leases to core deposits | 55.3922% | 4,450 |
| Total domestic deposits to total assets | 78.3445% | 4,141 |
| Equity capital to assets | 18.7619% | 248 |
| Core capital (leverage) ratio | 18.5488% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,277,667 | 2,612 |
| Average earning assets | $222,283,000 | 2,609 |
| Average equity | $45,542,333 | 1,806 |
| Average total loans | $100,218,000 | 3,226 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2133% | 4,861 |
| Cost of funding earning assets | 0.8541% | 2,095 |
| Net interest margin | 2.3593% | 4,900 |
| Noninterest income to average assets | 0.2866% | 3,810 |
| Noninterest expense to average assets | 2.4654% | 3,375 |
| Loan and lease loss provision to assets | 0.1187% | 2,209 |
| Net operating income to assets | -0.0702% | 4,791 |
| Return on assets (ROA) | -0.0983% | 4,787 |
| Pretax return on assets | -0.1458% | 4,790 |
| Return on Equity (ROE) | -0.5129% | 4,776 |
| Retained earnings to average equity (ytd only) | -0.5129% | 4,078 |
| Net charge-offs to loans | -0.0121% | 4,139 |
| Credit loss provision to net charge-offs | -2,333.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6573% | 241 |
| Assets per employee ($millions) | 5.7652% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4615% | 4,907 |
| Loan loss allowance to noncurrent loans | 770.0000% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,496 |
| Noncurrent loans to loans | 0.0599% | 4,308 |
| Net loans and leases to total assets | 42.1573% | 4,587 |
| Net loans and leases to deposits | 52.8951% | 4,490 |
| Net loans and leases to core deposits | 55.8947% | 4,493 |
| Total domestic deposits to total assets | 79.7000% | 3,915 |
| Equity capital to assets | 19.0351% | 283 |
| Core capital (leverage) ratio | 19.0597% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,901,500 | 2,589 |
| Average earning assets | $218,713,000 | 2,582 |
| Average equity | $45,233,500 | 1,810 |
| Average total loans | $99,449,000 | 3,234 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3219% | 4,954 |
| Cost of funding earning assets | 0.8165% | 2,607 |
| Net interest margin | 2.5054% | 4,965 |
| Noninterest income to average assets | 0.3705% | 3,484 |
| Noninterest expense to average assets | 2.4702% | 3,524 |
| Loan and lease loss provision to assets | 0.0424% | 3,161 |
| Net operating income to assets | 0.2038% | 4,835 |
| Return on assets (ROA) | 0.2038% | 4,861 |
| Pretax return on assets | 0.1758% | 4,902 |
| Return on Equity (ROE) | 1.0442% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.0442% | 4,369 |
| Net charge-offs to loans | -0.0310% | 4,718 |
| Credit loss provision to net charge-offs | -312.9032% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8809% | 294 |
| Assets per employee ($millions) | 5.8857% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 4,992 |
| Loan loss allowance to noncurrent loans | 596.9231% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,511 |
| Noncurrent loans to loans | 0.0658% | 4,277 |
| Net loans and leases to total assets | 41.7956% | 4,679 |
| Net loans and leases to deposits | 52.6789% | 4,583 |
| Net loans and leases to core deposits | 55.9130% | 4,588 |
| Total domestic deposits to total assets | 79.3403% | 4,113 |
| Equity capital to assets | 19.3150% | 280 |
| Core capital (leverage) ratio | 19.3518% | 265 |
| Tier 1 risk-based capital ratio | 57.9074% | 99 |
| Total risk-based capital ratio | 58.4000% | 101 |
| Memoranda: | ||
| Average total assets | $228,607,600 | 2,588 |
| Average earning assets | $211,505,000 | 2,591 |
| Average equity | $44,627,400 | 1,768 |
| Average total loans | $99,987,000 | 3,225 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 5,031 |
| Cost of funding earning assets | 0.7920% | 2,756 |
| Net interest margin | 2.5884% | 5,011 |
| Noninterest income to average assets | 0.3449% | 3,665 |
| Noninterest expense to average assets | 2.4985% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2685% | 4,881 |
| Return on assets (ROA) | 0.2685% | 4,894 |
| Pretax return on assets | 0.2392% | 4,960 |
| Return on Equity (ROE) | 1.3718% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.3718% | 4,465 |
| Net charge-offs to loans | -0.0133% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2642% | 291 |
| Assets per employee ($millions) | 5.6116% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 5,134 |
| Loan loss allowance to noncurrent loans | 391.3043% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,577 |
| Noncurrent loans to loans | 0.0681% | 4,333 |
| Net loans and leases to total assets | 45.0190% | 4,653 |
| Net loans and leases to deposits | 57.4016% | 4,492 |
| Net loans and leases to core deposits | 61.0752% | 4,495 |
| Total domestic deposits to total assets | 78.4283% | 4,279 |
| Equity capital to assets | 20.2499% | 245 |
| Core capital (leverage) ratio | 19.9711% | 250 |
| Tier 1 risk-based capital ratio | 57.0434% | 103 |
| Total risk-based capital ratio | 57.3796% | 106 |
| Memoranda: | ||
| Average total assets | $226,902,250 | 2,626 |
| Average earning assets | $209,753,500 | 2,632 |
| Average equity | $44,416,000 | 1,783 |
| Average total loans | $100,287,000 | 3,262 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 5,089 |
| Cost of funding earning assets | 0.7690% | 2,811 |
| Net interest margin | 2.6189% | 5,062 |
| Noninterest income to average assets | 0.3065% | 3,876 |
| Noninterest expense to average assets | 2.5014% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2802% | 4,901 |
| Return on assets (ROA) | 0.2802% | 4,911 |
| Pretax return on assets | 0.2248% | 5,005 |
| Return on Equity (ROE) | 1.4477% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.4477% | 4,305 |
| Net charge-offs to loans | -0.0140% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7526% | 285 |
| Assets per employee ($millions) | 5.7359% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2710% | 5,193 |
| Loan loss allowance to noncurrent loans | 370.8333% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,616 |
| Noncurrent loans to loans | 0.0731% | 4,351 |
| Net loans and leases to total assets | 42.8332% | 4,756 |
| Net loans and leases to deposits | 54.1136% | 4,679 |
| Net loans and leases to core deposits | 57.7685% | 4,654 |
| Total domestic deposits to total assets | 79.1544% | 4,193 |
| Equity capital to assets | 19.6409% | 259 |
| Core capital (leverage) ratio | 19.5208% | 255 |
| Tier 1 risk-based capital ratio | 56.8706% | 101 |
| Total risk-based capital ratio | 57.2030% | 103 |
| Memoranda: | ||
| Average total assets | $227,714,670 | 2,629 |
| Average earning assets | $210,397,670 | 2,633 |
| Average equity | $44,070,000 | 1,790 |
| Average total loans | $99,942,000 | 3,284 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 5,125 |
| Cost of funding earning assets | 0.7395% | 2,837 |
| Net interest margin | 2.6409% | 5,111 |
| Noninterest income to average assets | 0.2433% | 4,266 |
| Noninterest expense to average assets | 2.4844% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1834% | 5,022 |
| Return on assets (ROA) | 0.1834% | 5,029 |
| Pretax return on assets | 0.1957% | 5,032 |
| Return on Equity (ROE) | 0.9547% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.9547% | 4,318 |
| Net charge-offs to loans | -0.0159% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6974% | 311 |
| Assets per employee ($millions) | 5.5891% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2635% | 5,263 |
| Loan loss allowance to noncurrent loans | 352.0000% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,234 |
| Noncurrent loans to loans | 0.0749% | 4,427 |
| Net loans and leases to total assets | 43.6075% | 4,759 |
| Net loans and leases to deposits | 54.7584% | 4,653 |
| Net loans and leases to core deposits | 58.6887% | 4,620 |
| Total domestic deposits to total assets | 79.6363% | 4,232 |
| Equity capital to assets | 19.1863% | 269 |
| Core capital (leverage) ratio | 19.7362% | 244 |
| Tier 1 risk-based capital ratio | 56.2716% | 103 |
| Total risk-based capital ratio | 56.5983% | 106 |
| Memoranda: | ||
| Average total assets | $226,855,000 | 2,661 |
| Average earning assets | $209,320,500 | 2,672 |
| Average equity | $43,573,500 | 1,795 |
| Average total loans | $100,642,500 | 3,318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 5,092 |
| Cost of funding earning assets | 0.4734% | 3,529 |
| Net interest margin | 2.8117% | 5,012 |
| Noninterest income to average assets | 0.3270% | 3,917 |
| Noninterest expense to average assets | 2.6410% | 3,208 |
| Loan and lease loss provision to assets | -0.0275% | 5,149 |
| Net operating income to assets | 0.2901% | 5,021 |
| Return on assets (ROA) | 0.2901% | 5,018 |
| Pretax return on assets | 0.3150% | 5,033 |
| Return on Equity (ROE) | 1.5299% | 5,105 |
| Retained earnings to average equity (ytd only) | 1.5299% | 4,520 |
| Net charge-offs to loans | 0.0081% | 3,399 |
| Credit loss provision to net charge-offs | -775.0000% | 4,702 |
| Earnings coverage of net charge-offs (x) | 80.8750% | 857 |
| Efficiency ratio | 90.1851% | 336 |
| Assets per employee ($millions) | 5.6139% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 5,311 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,228 |
| Noncurrent loans to loans | 0.0791% | 4,395 |
| Net loans and leases to total assets | 44.9031% | 4,784 |
| Net loans and leases to deposits | 56.4913% | 4,643 |
| Net loans and leases to core deposits | 60.3371% | 4,614 |
| Total domestic deposits to total assets | 79.4867% | 4,215 |
| Equity capital to assets | 19.2294% | 262 |
| Core capital (leverage) ratio | 20.0663% | 231 |
| Tier 1 risk-based capital ratio | 54.5059% | 110 |
| Total risk-based capital ratio | 54.8182% | 116 |
| Memoranda: | ||
| Average total assets | $225,103,000 | 2,649 |
| Average earning assets | $208,269,000 | 2,649 |
| Average equity | $42,682,800 | 1,748 |
| Average total loans | $99,059,800 | 3,316 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 5,166 |
| Cost of funding earning assets | 0.4257% | 3,686 |
| Net interest margin | 2.8228% | 5,064 |
| Noninterest income to average assets | 0.3226% | 3,990 |
| Noninterest expense to average assets | 2.6537% | 3,115 |
| Loan and lease loss provision to assets | 0.0189% | 3,627 |
| Net operating income to assets | 0.2504% | 5,153 |
| Return on assets (ROA) | 0.2504% | 5,146 |
| Pretax return on assets | 0.2640% | 5,167 |
| Return on Equity (ROE) | 1.3252% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.3252% | 4,770 |
| Net charge-offs to loans | 0.0230% | 2,678 |
| Credit loss provision to net charge-offs | 188.2353% | 1,453 |
| Earnings coverage of net charge-offs (x) | 28.1129% | 1,678 |
| Efficiency ratio | 90.3648% | 317 |
| Assets per employee ($millions) | 4.9044% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3436% | 5,333 |
| Loan loss allowance to noncurrent loans | 108.4906% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,228 |
| Noncurrent loans to loans | 0.3167% | 3,533 |
| Net loans and leases to total assets | 45.3384% | 4,827 |
| Net loans and leases to deposits | 56.8891% | 4,704 |
| Net loans and leases to core deposits | 61.3132% | 4,646 |
| Total domestic deposits to total assets | 79.6961% | 4,177 |
| Equity capital to assets | 19.1657% | 266 |
| Core capital (leverage) ratio | 19.9173% | 238 |
| Tier 1 risk-based capital ratio | 53.9225% | 112 |
| Total risk-based capital ratio | 54.3350% | 116 |
| Memoranda: | ||
| Average total assets | $225,239,500 | 2,664 |
| Average earning assets | $208,583,250 | 2,662 |
| Average equity | $42,558,250 | 1,762 |
| Average total loans | $98,551,500 | 3,350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 5,271 |
| Cost of funding earning assets | 0.3848% | 3,838 |
| Net interest margin | 2.7563% | 5,172 |
| Noninterest income to average assets | 0.3140% | 4,076 |
| Noninterest expense to average assets | 2.6443% | 3,178 |
| Loan and lease loss provision to assets | 0.0282% | 3,349 |
| Net operating income to assets | 0.2020% | 5,228 |
| Return on assets (ROA) | 0.2020% | 5,221 |
| Pretax return on assets | 0.2002% | 5,236 |
| Return on Equity (ROE) | 1.0740% | 5,264 |
| Retained earnings to average equity (ytd only) | 1.0740% | 4,737 |
| Net charge-offs to loans | 0.0327% | 2,198 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 16.1875% | 2,005 |
| Efficiency ratio | 92.0479% | 310 |
| Assets per employee ($millions) | 4.9969% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3485% | 5,396 |
| Loan loss allowance to noncurrent loans | 69.7581% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,897 |
| Noncurrent loans to loans | 0.4996% | 2,920 |
| Net loans and leases to total assets | 43.9943% | 4,900 |
| Net loans and leases to deposits | 54.9745% | 4,801 |
| Net loans and leases to core deposits | 58.9874% | 4,751 |
| Total domestic deposits to total assets | 80.0268% | 4,234 |
| Equity capital to assets | 18.8623% | 272 |
| Core capital (leverage) ratio | 19.4226% | 247 |
| Tier 1 risk-based capital ratio | 53.9491% | 112 |
| Total risk-based capital ratio | 54.3649% | 113 |
| Memoranda: | ||
| Average total assets | $226,754,000 | 2,665 |
| Average earning assets | $210,499,670 | 2,664 |
| Average equity | $42,645,000 | 1,758 |
| Average total loans | $97,933,670 | 3,375 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1063% | 5,308 |
| Cost of funding earning assets | 0.3676% | 3,850 |
| Net interest margin | 2.7387% | 5,224 |
| Noninterest income to average assets | 0.2617% | 4,431 |
| Noninterest expense to average assets | 2.6034% | 3,326 |
| Loan and lease loss provision to assets | 0.0562% | 2,645 |
| Net operating income to assets | 0.1476% | 5,289 |
| Return on assets (ROA) | 0.1476% | 5,285 |
| Pretax return on assets | 0.1546% | 5,299 |
| Return on Equity (ROE) | 0.7858% | 5,324 |
| Retained earnings to average equity (ytd only) | 0.7858% | 4,668 |
| Net charge-offs to loans | 0.1234% | 1,050 |
| Credit loss provision to net charge-offs | 106.6667% | 1,482 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,338 |
| Efficiency ratio | 92.5094% | 349 |
| Assets per employee ($millions) | 5.1771% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 5,471 |
| Loan loss allowance to noncurrent loans | 36.6042% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 3,241 |
| Noncurrent loans to loans | 0.9194% | 1,979 |
| Net loans and leases to total assets | 43.1617% | 4,937 |
| Net loans and leases to deposits | 53.6937% | 4,812 |
| Net loans and leases to core deposits | 57.3406% | 4,778 |
| Total domestic deposits to total assets | 80.3852% | 4,345 |
| Equity capital to assets | 18.5568% | 280 |
| Core capital (leverage) ratio | 19.3812% | 240 |
| Tier 1 risk-based capital ratio | 53.6434% | 111 |
| Total risk-based capital ratio | 54.0411% | 115 |
| Memoranda: | ||
| Average total assets | $227,700,500 | 2,679 |
| Average earning assets | $212,214,000 | 2,669 |
| Average equity | $42,760,500 | 1,763 |
| Average total loans | $97,264,500 | 3,409 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 5,381 |
| Cost of funding earning assets | 0.3541% | 3,672 |
| Net interest margin | 2.6033% | 5,348 |
| Noninterest income to average assets | 0.3291% | 4,116 |
| Noninterest expense to average assets | 2.5699% | 3,543 |
| Loan and lease loss provision to assets | -0.0842% | 5,458 |
| Net operating income to assets | 0.1201% | 5,237 |
| Return on assets (ROA) | 0.1062% | 5,257 |
| Pretax return on assets | 0.2695% | 5,245 |
| Return on Equity (ROE) | 0.5677% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.5677% | 4,813 |
| Net charge-offs to loans | -0.0376% | 5,118 |
| Credit loss provision to net charge-offs | 557.1429% | 580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5505% | 336 |
| Assets per employee ($millions) | 5.1729% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3442% | 5,534 |
| Loan loss allowance to noncurrent loans | 53.2258% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 3,799 |
| Noncurrent loans to loans | 0.6467% | 2,604 |
| Net loans and leases to total assets | 41.9792% | 5,068 |
| Net loans and leases to deposits | 52.5584% | 4,958 |
| Net loans and leases to core deposits | 55.6246% | 4,950 |
| Total domestic deposits to total assets | 79.8715% | 4,361 |
| Equity capital to assets | 19.0020% | 253 |
| Core capital (leverage) ratio | 19.2718% | 225 |
| Tier 1 risk-based capital ratio | 57.3200% | 92 |
| Total risk-based capital ratio | 57.7443% | 92 |
| Memoranda: | ||
| Average total assets | $231,564,200 | 2,629 |
| Average earning assets | $217,727,800 | 2,601 |
| Average equity | $43,331,800 | 1,717 |
| Average total loans | $93,165,200 | 3,466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9164% | 5,473 |
| Cost of funding earning assets | 0.3544% | 3,621 |
| Net interest margin | 2.5620% | 5,429 |
| Noninterest income to average assets | 0.3182% | 4,262 |
| Noninterest expense to average assets | 2.5060% | 3,708 |
| Loan and lease loss provision to assets | -0.0189% | 5,478 |
| Net operating income to assets | 0.2324% | 5,321 |
| Return on assets (ROA) | 0.2769% | 5,279 |
| Pretax return on assets | 0.2849% | 5,320 |
| Return on Equity (ROE) | 1.4855% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.4855% | 4,825 |
| Net charge-offs to loans | -0.0476% | 5,155 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9243% | 346 |
| Assets per employee ($millions) | 5.3005% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5104% | 5,451 |
| Loan loss allowance to noncurrent loans | 78.1499% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 3,975 |
| Noncurrent loans to loans | 0.6531% | 2,751 |
| Net loans and leases to total assets | 41.9051% | 5,117 |
| Net loans and leases to deposits | 52.5545% | 5,023 |
| Net loans and leases to core deposits | 55.5000% | 5,016 |
| Total domestic deposits to total assets | 79.7363% | 4,385 |
| Equity capital to assets | 19.2682% | 260 |
| Core capital (leverage) ratio | 19.1274% | 247 |
| Tier 1 risk-based capital ratio | 56.6662% | 93 |
| Total risk-based capital ratio | 57.2888% | 95 |
| Memoranda: | ||
| Average total assets | $232,553,250 | 2,641 |
| Average earning assets | $218,571,750 | 2,612 |
| Average equity | $43,352,250 | 1,729 |
| Average total loans | $92,487,000 | 3,513 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8685% | 5,525 |
| Cost of funding earning assets | 0.3538% | 3,543 |
| Net interest margin | 2.5147% | 5,497 |
| Noninterest income to average assets | 0.3281% | 4,198 |
| Noninterest expense to average assets | 2.4639% | 3,876 |
| Loan and lease loss provision to assets | -0.0282% | 5,573 |
| Net operating income to assets | 0.2508% | 5,320 |
| Return on assets (ROA) | 0.3178% | 5,200 |
| Pretax return on assets | 0.3229% | 5,308 |
| Return on Equity (ROE) | 1.7236% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.7236% | 4,559 |
| Net charge-offs to loans | -0.0701% | 5,300 |
| Credit loss provision to net charge-offs | 103.1250% | 1,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5846% | 379 |
| Assets per employee ($millions) | 5.2928% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5343% | 5,478 |
| Loan loss allowance to noncurrent loans | 71.4912% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,958 |
| Noncurrent loans to loans | 0.7474% | 2,531 |
| Net loans and leases to total assets | 39.0880% | 5,253 |
| Net loans and leases to deposits | 48.7480% | 5,181 |
| Net loans and leases to core deposits | 51.3974% | 5,171 |
| Total domestic deposits to total assets | 80.1838% | 4,367 |
| Equity capital to assets | 18.8527% | 272 |
| Core capital (leverage) ratio | 18.7470% | 255 |
| Tier 1 risk-based capital ratio | 57.9041% | 92 |
| Total risk-based capital ratio | 58.5406% | 92 |
| Memoranda: | ||
| Average total assets | $234,097,670 | 2,645 |
| Average earning assets | $219,907,000 | 2,613 |
| Average equity | $43,164,330 | 1,734 |
| Average total loans | $91,316,000 | 3,553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8170% | 5,591 |
| Cost of funding earning assets | 0.3544% | 3,479 |
| Net interest margin | 2.4626% | 5,577 |
| Noninterest income to average assets | 0.2812% | 4,542 |
| Noninterest expense to average assets | 2.4388% | 4,006 |
| Loan and lease loss provision to assets | 0.0341% | 3,101 |
| Net operating income to assets | 0.1012% | 5,513 |
| Return on assets (ROA) | 0.2199% | 5,378 |
| Pretax return on assets | 0.2539% | 5,369 |
| Return on Equity (ROE) | 1.2058% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.2058% | 4,590 |
| Net charge-offs to loans | -0.0044% | 4,144 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1447% | 379 |
| Assets per employee ($millions) | 5.4668% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 5,529 |
| Loan loss allowance to noncurrent loans | 56.6519% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 3,519 |
| Noncurrent loans to loans | 0.9971% | 2,055 |
| Net loans and leases to total assets | 38.2639% | 5,312 |
| Net loans and leases to deposits | 47.3363% | 5,247 |
| Net loans and leases to core deposits | 50.0214% | 5,223 |
| Total domestic deposits to total assets | 80.8340% | 4,451 |
| Equity capital to assets | 18.2692% | 289 |
| Core capital (leverage) ratio | 18.6271% | 251 |
| Tier 1 risk-based capital ratio | 57.2577% | 94 |
| Total risk-based capital ratio | 57.9181% | 94 |
| Memoranda: | ||
| Average total assets | $234,704,000 | 2,660 |
| Average earning assets | $220,092,500 | 2,640 |
| Average equity | $42,794,000 | 1,747 |
| Average total loans | $91,214,500 | 3,570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8410% | 5,620 |
| Cost of funding earning assets | 0.3723% | 3,293 |
| Net interest margin | 2.4686% | 5,603 |
| Noninterest income to average assets | 0.5346% | 3,003 |
| Noninterest expense to average assets | 2.6351% | 3,572 |
| Loan and lease loss provision to assets | 0.0257% | 3,840 |
| Net operating income to assets | 0.1486% | 5,498 |
| Return on assets (ROA) | 0.1729% | 5,504 |
| Pretax return on assets | 0.2159% | 5,486 |
| Return on Equity (ROE) | 0.9419% | 5,576 |
| Retained earnings to average equity (ytd only) | 0.9419% | 4,944 |
| Net charge-offs to loans | 0.2162% | 1,278 |
| Credit loss provision to net charge-offs | 29.9020% | 3,591 |
| Earnings coverage of net charge-offs (x) | 2.4559% | 3,822 |
| Efficiency ratio | 92.5789% | 441 |
| Assets per employee ($millions) | 5.4497% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5328% | 5,626 |
| Loan loss allowance to noncurrent loans | 49.3952% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,440 |
| Noncurrent loans to loans | 1.0786% | 1,930 |
| Net loans and leases to total assets | 39.0381% | 5,358 |
| Net loans and leases to deposits | 48.2984% | 5,282 |
| Net loans and leases to core deposits | 51.0440% | 5,265 |
| Total domestic deposits to total assets | 80.8270% | 4,382 |
| Equity capital to assets | 18.1970% | 291 |
| Core capital (leverage) ratio | 18.5444% | 250 |
| Tier 1 risk-based capital ratio | 56.7809% | 101 |
| Total risk-based capital ratio | 57.4104% | 105 |
| Memoranda: | ||
| Average total assets | $237,181,600 | 2,605 |
| Average earning assets | $222,106,200 | 2,574 |
| Average equity | $43,526,800 | 1,705 |
| Average total loans | $94,343,600 | 3,492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8526% | 5,694 |
| Cost of funding earning assets | 0.3733% | 3,300 |
| Net interest margin | 2.4793% | 5,668 |
| Noninterest income to average assets | 0.5515% | 2,910 |
| Noninterest expense to average assets | 2.6728% | 3,420 |
| Loan and lease loss provision to assets | 0.0392% | 3,455 |
| Net operating income to assets | 0.1286% | 5,586 |
| Return on assets (ROA) | 0.1609% | 5,591 |
| Pretax return on assets | 0.2023% | 5,564 |
| Return on Equity (ROE) | 0.8747% | 5,656 |
| Retained earnings to average equity (ytd only) | 0.8747% | 5,119 |
| Net charge-offs to loans | 0.1376% | 1,608 |
| Credit loss provision to net charge-offs | 71.4286% | 2,765 |
| Earnings coverage of net charge-offs (x) | 3.6633% | 3,377 |
| Efficiency ratio | 92.9992% | 428 |
| Assets per employee ($millions) | 5.7036% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 5,527 |
| Loan loss allowance to noncurrent loans | 66.3746% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,590 |
| Noncurrent loans to loans | 0.9794% | 2,279 |
| Net loans and leases to total assets | 39.6032% | 5,399 |
| Net loans and leases to deposits | 49.3678% | 5,328 |
| Net loans and leases to core deposits | 52.1823% | 5,308 |
| Total domestic deposits to total assets | 80.2208% | 4,466 |
| Equity capital to assets | 18.8469% | 276 |
| Core capital (leverage) ratio | 18.5180% | 260 |
| Tier 1 risk-based capital ratio | 57.7667% | 92 |
| Total risk-based capital ratio | 58.5628% | 95 |
| Memoranda: | ||
| Average total assets | $237,893,250 | 2,607 |
| Average earning assets | $222,855,000 | 2,575 |
| Average equity | $43,748,000 | 1,707 |
| Average total loans | $94,937,000 | 3,492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8764% | 5,752 |
| Cost of funding earning assets | 0.3742% | 3,311 |
| Net interest margin | 2.5022% | 5,742 |
| Noninterest income to average assets | 0.5133% | 3,104 |
| Noninterest expense to average assets | 2.6902% | 3,427 |
| Loan and lease loss provision to assets | 0.0585% | 2,970 |
| Net operating income to assets | 0.0875% | 5,680 |
| Return on assets (ROA) | 0.1363% | 5,670 |
| Pretax return on assets | 0.1672% | 5,656 |
| Return on Equity (ROE) | 0.7470% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.7470% | 5,077 |
| Net charge-offs to loans | 0.1654% | 1,344 |
| Credit loss provision to net charge-offs | 88.6076% | 2,264 |
| Earnings coverage of net charge-offs (x) | 2.5063% | 3,263 |
| Efficiency ratio | 94.2037% | 409 |
| Assets per employee ($millions) | 5.1160% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 5,593 |
| Loan loss allowance to noncurrent loans | 41.8792% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 2,668 |
| Noncurrent loans to loans | 1.5718% | 1,368 |
| Net loans and leases to total assets | 40.0151% | 5,421 |
| Net loans and leases to deposits | 49.7588% | 5,346 |
| Net loans and leases to core deposits | 52.6725% | 5,338 |
| Total domestic deposits to total assets | 80.4182% | 4,444 |
| Equity capital to assets | 18.6886% | 279 |
| Core capital (leverage) ratio | 18.1664% | 283 |
| Tier 1 risk-based capital ratio | 57.1053% | 102 |
| Total risk-based capital ratio | 57.9182% | 102 |
| Memoranda: | ||
| Average total assets | $239,242,000 | 2,603 |
| Average earning assets | $223,963,000 | 2,579 |
| Average equity | $43,639,670 | 1,711 |
| Average total loans | $95,510,330 | 3,494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8586% | 5,820 |
| Cost of funding earning assets | 0.3777% | 3,322 |
| Net interest margin | 2.4809% | 5,821 |
| Noninterest income to average assets | 0.3930% | 3,882 |
| Noninterest expense to average assets | 2.6501% | 3,577 |
| Loan and lease loss provision to assets | 0.0995% | 2,033 |
| Net operating income to assets | -0.0336% | 5,805 |
| Return on assets (ROA) | 0.0763% | 5,754 |
| Pretax return on assets | 0.0829% | 5,757 |
| Return on Equity (ROE) | 0.4233% | 5,779 |
| Retained earnings to average equity (ytd only) | 0.4233% | 5,013 |
| Net charge-offs to loans | 0.1586% | 1,177 |
| Credit loss provision to net charge-offs | 157.8947% | 1,236 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,870 |
| Efficiency ratio | 97.6773% | 352 |
| Assets per employee ($millions) | 5.3636% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 5,640 |
| Loan loss allowance to noncurrent loans | 37.7522% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 2,019 |
| Noncurrent loans to loans | 1.7868% | 1,239 |
| Net loans and leases to total assets | 39.9596% | 5,454 |
| Net loans and leases to deposits | 49.2720% | 5,375 |
| Net loans and leases to core deposits | 52.9152% | 5,314 |
| Total domestic deposits to total assets | 81.0999% | 4,468 |
| Equity capital to assets | 18.0495% | 321 |
| Core capital (leverage) ratio | 17.9841% | 295 |
| Tier 1 risk-based capital ratio | 54.6246% | 113 |
| Total risk-based capital ratio | 55.4434% | 112 |
| Memoranda: | ||
| Average total assets | $241,195,000 | 2,611 |
| Average earning assets | $225,563,000 | 2,581 |
| Average equity | $43,469,000 | 1,713 |
| Average total loans | $95,868,500 | 3,497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8711% | 5,837 |
| Cost of funding earning assets | 0.4012% | 3,148 |
| Net interest margin | 2.4699% | 5,847 |
| Noninterest income to average assets | 0.6078% | 2,680 |
| Noninterest expense to average assets | 2.7983% | 3,234 |
| Loan and lease loss provision to assets | -0.0871% | 5,831 |
| Net operating income to assets | 0.1472% | 5,682 |
| Return on assets (ROA) | 0.1714% | 5,688 |
| Pretax return on assets | 0.2321% | 5,644 |
| Return on Equity (ROE) | 0.9590% | 5,781 |
| Retained earnings to average equity (ytd only) | 0.9590% | 5,138 |
| Net charge-offs to loans | 0.1457% | 1,906 |
| Credit loss provision to net charge-offs | -149.6454% | 5,229 |
| Earnings coverage of net charge-offs (x) | 1.9291% | 4,006 |
| Efficiency ratio | 96.1413% | 391 |
| Assets per employee ($millions) | 5.4779% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 5,695 |
| Loan loss allowance to noncurrent loans | 31.1516% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 1,503 |
| Noncurrent loans to loans | 2.1472% | 943 |
| Net loans and leases to total assets | 39.0004% | 5,574 |
| Net loans and leases to deposits | 48.0969% | 5,483 |
| Net loans and leases to core deposits | 51.6574% | 5,427 |
| Total domestic deposits to total assets | 81.0871% | 4,456 |
| Equity capital to assets | 17.9952% | 316 |
| Core capital (leverage) ratio | 17.9169% | 289 |
| Tier 1 risk-based capital ratio | 59.3938% | 87 |
| Total risk-based capital ratio | 60.2549% | 89 |
| Memoranda: | ||
| Average total assets | $242,178,800 | 2,560 |
| Average earning assets | $225,800,200 | 2,541 |
| Average equity | $43,274,600 | 1,697 |
| Average total loans | $96,792,600 | 3,442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 5,912 |
| Cost of funding earning assets | 0.4041% | 3,181 |
| Net interest margin | 2.4732% | 5,929 |
| Noninterest income to average assets | 0.6230% | 2,621 |
| Noninterest expense to average assets | 2.6978% | 3,567 |
| Loan and lease loss provision to assets | 0.0253% | 3,759 |
| Net operating income to assets | 0.1492% | 5,775 |
| Return on assets (ROA) | 0.1809% | 5,766 |
| Pretax return on assets | 0.2486% | 5,722 |
| Return on Equity (ROE) | 1.0142% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.0142% | 5,311 |
| Net charge-offs to loans | 0.1096% | 2,028 |
| Credit loss provision to net charge-offs | 57.5000% | 2,938 |
| Earnings coverage of net charge-offs (x) | 5.2377% | 3,231 |
| Efficiency ratio | 92.1315% | 563 |
| Assets per employee ($millions) | 5.4509% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,795 |
| Loan loss allowance to noncurrent loans | 44.1763% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 1,624 |
| Noncurrent loans to loans | 2.2437% | 966 |
| Net loans and leases to total assets | 39.6492% | 5,608 |
| Net loans and leases to deposits | 48.9469% | 5,515 |
| Net loans and leases to core deposits | 52.4743% | 5,480 |
| Total domestic deposits to total assets | 81.0045% | 4,473 |
| Equity capital to assets | 18.1208% | 333 |
| Core capital (leverage) ratio | 18.0009% | 300 |
| Tier 1 risk-based capital ratio | 58.3063% | 94 |
| Total risk-based capital ratio | 59.5477% | 94 |
| Memoranda: | ||
| Average total assets | $242,467,000 | 2,576 |
| Average earning assets | $225,989,750 | 2,561 |
| Average equity | $43,250,000 | 1,708 |
| Average total loans | $97,332,250 | 3,463 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8853% | 5,957 |
| Cost of funding earning assets | 0.4076% | 3,192 |
| Net interest margin | 2.4776% | 5,986 |
| Noninterest income to average assets | 0.6312% | 2,576 |
| Noninterest expense to average assets | 2.7015% | 3,589 |
| Loan and lease loss provision to assets | 0.0378% | 3,364 |
| Net operating income to assets | 0.1448% | 5,821 |
| Return on assets (ROA) | 0.1915% | 5,779 |
| Pretax return on assets | 0.2646% | 5,717 |
| Return on Equity (ROE) | 1.0792% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.0792% | 5,141 |
| Net charge-offs to loans | 0.1923% | 1,305 |
| Credit loss provision to net charge-offs | 48.9362% | 2,718 |
| Earnings coverage of net charge-offs (x) | 3.0745% | 3,245 |
| Efficiency ratio | 91.9183% | 646 |
| Assets per employee ($millions) | 5.3477% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,984 |
| Loan loss allowance to noncurrent loans | 51.9092% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 1,766 |
| Noncurrent loans to loans | 1.8800% | 1,331 |
| Net loans and leases to total assets | 39.5516% | 5,654 |
| Net loans and leases to deposits | 48.7091% | 5,567 |
| Net loans and leases to core deposits | 52.0485% | 5,535 |
| Total domestic deposits to total assets | 81.1997% | 4,547 |
| Equity capital to assets | 17.9505% | 343 |
| Core capital (leverage) ratio | 17.6617% | 317 |
| Tier 1 risk-based capital ratio | 57.4715% | 106 |
| Total risk-based capital ratio | 58.7139% | 106 |
| Memoranda: | ||
| Average total assets | $243,342,330 | 2,589 |
| Average earning assets | $226,667,000 | 2,573 |
| Average equity | $43,179,670 | 1,717 |
| Average total loans | $97,760,670 | 3,476 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9027% | 5,991 |
| Cost of funding earning assets | 0.4109% | 3,181 |
| Net interest margin | 2.4918% | 6,020 |
| Noninterest income to average assets | 0.6277% | 2,508 |
| Noninterest expense to average assets | 2.5894% | 3,978 |
| Loan and lease loss provision to assets | 0.0752% | 2,447 |
| Net operating income to assets | 0.2011% | 5,688 |
| Return on assets (ROA) | 0.2011% | 5,774 |
| Pretax return on assets | 0.2828% | 5,685 |
| Return on Equity (ROE) | 1.1397% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.1397% | 5,027 |
| Net charge-offs to loans | 0.3449% | 709 |
| Credit loss provision to net charge-offs | 54.1176% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.5765% | 2,734 |
| Efficiency ratio | 87.8536% | 1,029 |
| Assets per employee ($millions) | 5.8420% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 5,183 |
| Loan loss allowance to noncurrent loans | 47.3737% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5349% | 1,691 |
| Noncurrent loans to loans | 2.0412% | 1,276 |
| Net loans and leases to total assets | 39.5280% | 5,622 |
| Net loans and leases to deposits | 48.5241% | 5,544 |
| Net loans and leases to core deposits | 51.8647% | 5,499 |
| Total domestic deposits to total assets | 81.4605% | 4,684 |
| Equity capital to assets | 17.6640% | 358 |
| Core capital (leverage) ratio | 17.5600% | 316 |
| Tier 1 risk-based capital ratio | 56.4123% | 114 |
| Total risk-based capital ratio | 57.6481% | 115 |
| Memoranda: | ||
| Average total assets | $244,691,000 | 2,600 |
| Average earning assets | $227,789,500 | 2,576 |
| Average equity | $43,171,000 | 1,723 |
| Average total loans | $98,582,500 | 3,481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8472% | 6,170 |
| Cost of funding earning assets | 0.4470% | 3,197 |
| Net interest margin | 2.4002% | 6,228 |
| Noninterest income to average assets | 0.3723% | 4,406 |
| Noninterest expense to average assets | 2.3997% | 4,846 |
| Loan and lease loss provision to assets | 0.1864% | 1,381 |
| Net operating income to assets | 0.0385% | 6,043 |
| Return on assets (ROA) | 0.0487% | 6,048 |
| Pretax return on assets | 0.0647% | 6,030 |
| Return on Equity (ROE) | 0.2860% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.2860% | 5,650 |
| Net charge-offs to loans | 0.6100% | 646 |
| Credit loss provision to net charge-offs | 74.0095% | 2,982 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 4,533 |
| Efficiency ratio | 90.9958% | 781 |
| Assets per employee ($millions) | 6.2569% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 5,102 |
| Loan loss allowance to noncurrent loans | 56.7070% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 1,613 |
| Noncurrent loans to loans | 1.7505% | 1,651 |
| Net loans and leases to total assets | 40.2616% | 5,725 |
| Net loans and leases to deposits | 49.4148% | 5,614 |
| Net loans and leases to core deposits | 52.9197% | 5,569 |
| Total domestic deposits to total assets | 81.4769% | 4,603 |
| Equity capital to assets | 17.6220% | 354 |
| Core capital (leverage) ratio | 17.5523% | 319 |
| Tier 1 risk-based capital ratio | 54.7761% | 112 |
| Total risk-based capital ratio | 56.0256% | 109 |
| Memoranda: | ||
| Average total assets | $250,577,000 | 2,522 |
| Average earning assets | $236,442,600 | 2,455 |
| Average equity | $42,658,000 | 1,686 |
| Average total loans | $103,434,400 | 3,352 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8287% | 6,263 |
| Cost of funding earning assets | 0.4526% | 3,217 |
| Net interest margin | 2.3761% | 6,311 |
| Noninterest income to average assets | 0.3346% | 4,762 |
| Noninterest expense to average assets | 2.3249% | 5,039 |
| Loan and lease loss provision to assets | 0.1353% | 1,841 |
| Net operating income to assets | 0.0907% | 6,040 |
| Return on assets (ROA) | 0.1036% | 6,053 |
| Pretax return on assets | 0.1433% | 6,016 |
| Return on Equity (ROE) | 0.6139% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.6139% | 5,624 |
| Net charge-offs to loans | 0.4772% | 830 |
| Credit loss provision to net charge-offs | 68.4492% | 2,795 |
| Earnings coverage of net charge-offs (x) | 1.3182% | 4,184 |
| Efficiency ratio | 89.9203% | 847 |
| Assets per employee ($millions) | 6.0461% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 5,171 |
| Loan loss allowance to noncurrent loans | 37.3010% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 1,790 |
| Noncurrent loans to loans | 2.7056% | 1,050 |
| Net loans and leases to total assets | 40.7953% | 5,767 |
| Net loans and leases to deposits | 49.8548% | 5,663 |
| Net loans and leases to core deposits | 53.6059% | 5,590 |
| Total domestic deposits to total assets | 81.8282% | 4,538 |
| Equity capital to assets | 17.2722% | 399 |
| Core capital (leverage) ratio | 17.3078% | 341 |
| Tier 1 risk-based capital ratio | 54.6904% | 113 |
| Total risk-based capital ratio | 55.9410% | 113 |
| Memoranda: | ||
| Average total assets | $252,216,500 | 2,518 |
| Average earning assets | $238,926,000 | 2,451 |
| Average equity | $42,572,250 | 1,701 |
| Average total loans | $104,485,250 | 3,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7888% | 6,346 |
| Cost of funding earning assets | 0.4533% | 3,289 |
| Net interest margin | 2.3354% | 6,392 |
| Noninterest income to average assets | 0.2878% | 5,124 |
| Noninterest expense to average assets | 2.2605% | 5,253 |
| Loan and lease loss provision to assets | 0.1435% | 1,724 |
| Net operating income to assets | 0.0779% | 6,086 |
| Return on assets (ROA) | 0.0978% | 6,082 |
| Pretax return on assets | 0.1325% | 6,053 |
| Return on Equity (ROE) | 0.5837% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.5837% | 5,504 |
| Net charge-offs to loans | 0.3572% | 1,148 |
| Credit loss provision to net charge-offs | 96.8085% | 2,062 |
| Earnings coverage of net charge-offs (x) | 1.6809% | 3,741 |
| Efficiency ratio | 90.0723% | 914 |
| Assets per employee ($millions) | 5.9754% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 4,898 |
| Loan loss allowance to noncurrent loans | 34.8582% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 1,808 |
| Noncurrent loans to loans | 3.1628% | 897 |
| Net loans and leases to total assets | 40.8546% | 5,755 |
| Net loans and leases to deposits | 49.7528% | 5,650 |
| Net loans and leases to core deposits | 53.4377% | 5,585 |
| Total domestic deposits to total assets | 82.1152% | 4,606 |
| Equity capital to assets | 17.0687% | 407 |
| Core capital (leverage) ratio | 17.0671% | 355 |
| Tier 1 risk-based capital ratio | 53.7307% | 113 |
| Total risk-based capital ratio | 54.9689% | 111 |
| Memoranda: | ||
| Average total assets | $253,659,000 | 2,515 |
| Average earning assets | $241,324,670 | 2,430 |
| Average equity | $42,491,000 | 1,683 |
| Average total loans | $105,261,000 | 3,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7754% | 6,413 |
| Cost of funding earning assets | 0.4554% | 3,372 |
| Net interest margin | 2.3200% | 6,463 |
| Noninterest income to average assets | 0.1820% | 5,875 |
| Noninterest expense to average assets | 2.2023% | 5,458 |
| Loan and lease loss provision to assets | 0.1208% | 1,983 |
| Net operating income to assets | 0.0511% | 6,125 |
| Return on assets (ROA) | 0.0925% | 6,076 |
| Pretax return on assets | 0.1161% | 6,047 |
| Return on Equity (ROE) | 0.5577% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.5577% | 5,360 |
| Net charge-offs to loans | 0.3772% | 959 |
| Credit loss provision to net charge-offs | 77.0000% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.1800% | 3,158 |
| Efficiency ratio | 92.2470% | 864 |
| Assets per employee ($millions) | 6.4371% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,251 |
| Loan loss allowance to noncurrent loans | 33.6722% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8661% | 1,852 |
| Noncurrent loans to loans | 3.1768% | 968 |
| Net loans and leases to total assets | 40.4441% | 5,777 |
| Net loans and leases to deposits | 48.9009% | 5,677 |
| Net loans and leases to core deposits | 52.5318% | 5,586 |
| Total domestic deposits to total assets | 82.7061% | 4,714 |
| Equity capital to assets | 16.4721% | 461 |
| Core capital (leverage) ratio | 16.6096% | 405 |
| Tier 1 risk-based capital ratio | 51.5781% | 122 |
| Total risk-based capital ratio | 52.8300% | 121 |
| Memoranda: | ||
| Average total assets | $255,004,500 | 2,504 |
| Average earning assets | $242,414,000 | 2,416 |
| Average equity | $42,318,000 | 1,691 |
| Average total loans | $106,054,000 | 3,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 6,489 |
| Cost of funding earning assets | 0.5088% | 3,516 |
| Net interest margin | 2.3109% | 6,516 |
| Noninterest income to average assets | 0.2805% | 5,351 |
| Noninterest expense to average assets | 2.3162% | 5,323 |
| Loan and lease loss provision to assets | 0.1732% | 2,136 |
| Net operating income to assets | -0.0004% | 6,216 |
| Return on assets (ROA) | 0.0277% | 6,210 |
| Pretax return on assets | 0.0176% | 6,206 |
| Return on Equity (ROE) | 0.1674% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.1674% | 5,775 |
| Net charge-offs to loans | 0.5652% | 1,162 |
| Credit loss provision to net charge-offs | 69.8113% | 3,311 |
| Earnings coverage of net charge-offs (x) | 0.6557% | 4,867 |
| Efficiency ratio | 93.4382% | 777 |
| Assets per employee ($millions) | 6.4750% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 5,256 |
| Loan loss allowance to noncurrent loans | 33.8439% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 1,945 |
| Noncurrent loans to loans | 3.1775% | 1,069 |
| Net loans and leases to total assets | 41.8557% | 5,835 |
| Net loans and leases to deposits | 50.7768% | 5,706 |
| Net loans and leases to core deposits | 54.6492% | 5,635 |
| Total domestic deposits to total assets | 82.4307% | 4,730 |
| Equity capital to assets | 16.7203% | 426 |
| Core capital (leverage) ratio | 16.9128% | 380 |
| Tier 1 risk-based capital ratio | 52.2167% | 119 |
| Total risk-based capital ratio | 53.4540% | 117 |
| Memoranda: | ||
| Average total assets | $256,368,400 | 2,469 |
| Average earning assets | $243,890,400 | 2,389 |
| Average equity | $42,406,400 | 1,657 |
| Average total loans | $112,535,400 | 3,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8309% | 6,550 |
| Cost of funding earning assets | 0.5161% | 3,611 |
| Net interest margin | 2.3148% | 6,578 |
| Noninterest income to average assets | 0.2891% | 5,382 |
| Noninterest expense to average assets | 2.2958% | 5,356 |
| Loan and lease loss provision to assets | 0.1539% | 2,343 |
| Net operating income to assets | 0.0388% | 6,236 |
| Return on assets (ROA) | 0.0482% | 6,275 |
| Pretax return on assets | 0.0529% | 6,256 |
| Return on Equity (ROE) | 0.2921% | 6,311 |
| Retained earnings to average equity (ytd only) | 0.2921% | 5,852 |
| Net charge-offs to loans | 0.5054% | 1,273 |
| Credit loss provision to net charge-offs | 68.7500% | 3,093 |
| Earnings coverage of net charge-offs (x) | 0.8773% | 4,561 |
| Efficiency ratio | 92.1206% | 846 |
| Assets per employee ($millions) | 6.3244% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,283 |
| Loan loss allowance to noncurrent loans | 37.3259% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 1.7741% | 2,311 |
| Noncurrent loans to loans | 2.9766% | 1,360 |
| Net loans and leases to total assets | 42.4307% | 5,865 |
| Net loans and leases to deposits | 51.3697% | 5,755 |
| Net loans and leases to core deposits | 55.3445% | 5,681 |
| Total domestic deposits to total assets | 82.5987% | 4,716 |
| Equity capital to assets | 16.5862% | 464 |
| Core capital (leverage) ratio | 16.6346% | 419 |
| Tier 1 risk-based capital ratio | 49.6885% | 136 |
| Total risk-based capital ratio | 50.9393% | 135 |
| Memoranda: | ||
| Average total assets | $257,329,250 | 2,477 |
| Average earning assets | $244,908,750 | 2,392 |
| Average equity | $42,452,250 | 1,660 |
| Average total loans | $113,958,000 | 3,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8661% | 6,561 |
| Cost of funding earning assets | 0.5210% | 3,698 |
| Net interest margin | 2.3452% | 6,589 |
| Noninterest income to average assets | 0.2860% | 5,405 |
| Noninterest expense to average assets | 2.2768% | 5,427 |
| Loan and lease loss provision to assets | 0.1329% | 2,659 |
| Net operating income to assets | 0.0797% | 6,180 |
| Return on assets (ROA) | 0.0904% | 6,232 |
| Pretax return on assets | 0.1244% | 6,193 |
| Return on Equity (ROE) | 0.5491% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.5491% | 5,684 |
| Net charge-offs to loans | 0.5459% | 1,206 |
| Credit loss provision to net charge-offs | 54.4304% | 3,135 |
| Earnings coverage of net charge-offs (x) | 0.9937% | 4,199 |
| Efficiency ratio | 90.3681% | 1,035 |
| Assets per employee ($millions) | 6.2657% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,540 |
| Loan loss allowance to noncurrent loans | 31.6332% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 1.9082% | 2,273 |
| Noncurrent loans to loans | 3.3936% | 1,258 |
| Net loans and leases to total assets | 42.9383% | 5,826 |
| Net loans and leases to deposits | 51.8762% | 5,698 |
| Net loans and leases to core deposits | 55.9668% | 5,598 |
| Total domestic deposits to total assets | 82.7707% | 4,791 |
| Equity capital to assets | 16.4870% | 470 |
| Core capital (leverage) ratio | 16.3894% | 425 |
| Tier 1 risk-based capital ratio | 48.6486% | 137 |
| Total risk-based capital ratio | 49.9003% | 136 |
| Memoranda: | ||
| Average total assets | $258,780,670 | 2,468 |
| Average earning assets | $246,464,330 | 2,385 |
| Average equity | $42,616,670 | 1,656 |
| Average total loans | $115,762,330 | 3,152 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9207% | 6,590 |
| Cost of funding earning assets | 0.5240% | 3,848 |
| Net interest margin | 2.3967% | 6,603 |
| Noninterest income to average assets | 0.2372% | 5,762 |
| Noninterest expense to average assets | 2.2085% | 5,665 |
| Loan and lease loss provision to assets | 0.1879% | 1,958 |
| Net operating income to assets | 0.0801% | 6,185 |
| Return on assets (ROA) | 0.1001% | 6,242 |
| Pretax return on assets | 0.1540% | 6,165 |
| Return on Equity (ROE) | 0.6082% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.6082% | 5,585 |
| Net charge-offs to loans | 0.3291% | 1,653 |
| Credit loss provision to net charge-offs | 125.7732% | 1,542 |
| Earnings coverage of net charge-offs (x) | 2.0825% | 3,138 |
| Efficiency ratio | 87.6528% | 1,359 |
| Assets per employee ($millions) | 6.2178% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,275 |
| Loan loss allowance to noncurrent loans | 46.5417% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 2,858 |
| Noncurrent loans to loans | 2.5291% | 2,042 |
| Net loans and leases to total assets | 43.9157% | 5,674 |
| Net loans and leases to deposits | 52.9767% | 5,522 |
| Net loans and leases to core deposits | 57.0754% | 5,427 |
| Total domestic deposits to total assets | 82.8963% | 4,891 |
| Equity capital to assets | 16.3658% | 508 |
| Core capital (leverage) ratio | 16.1021% | 439 |
| Tier 1 risk-based capital ratio | 44.8059% | 171 |
| Total risk-based capital ratio | 46.0585% | 171 |
| Memoranda: | ||
| Average total assets | $259,724,000 | 2,494 |
| Average earning assets | $247,338,000 | 2,401 |
| Average equity | $42,748,000 | 1,672 |
| Average total loans | $117,892,000 | 3,127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 6,608 |
| Cost of funding earning assets | 0.6447% | 3,960 |
| Net interest margin | 2.6286% | 6,605 |
| Noninterest income to average assets | 0.2967% | 5,347 |
| Noninterest expense to average assets | 2.3492% | 5,566 |
| Loan and lease loss provision to assets | 0.4550% | 1,382 |
| Net operating income to assets | -0.0118% | 6,185 |
| Return on assets (ROA) | 0.0728% | 6,196 |
| Pretax return on assets | 0.1144% | 6,133 |
| Return on Equity (ROE) | 0.4408% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.4408% | 5,634 |
| Net charge-offs to loans | 0.7203% | 1,629 |
| Credit loss provision to net charge-offs | 125.1059% | 2,263 |
| Earnings coverage of net charge-offs (x) | 1.2023% | 4,856 |
| Efficiency ratio | 84.3059% | 1,591 |
| Assets per employee ($millions) | 6.0070% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 5,470 |
| Loan loss allowance to noncurrent loans | 40.6610% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7983% | 2,714 |
| Noncurrent loans to loans | 2.7545% | 1,920 |
| Net loans and leases to total assets | 45.8351% | 5,633 |
| Net loans and leases to deposits | 55.4449% | 5,495 |
| Net loans and leases to core deposits | 59.8741% | 5,373 |
| Total domestic deposits to total assets | 82.6678% | 4,862 |
| Equity capital to assets | 16.5532% | 471 |
| Core capital (leverage) ratio | 16.2522% | 421 |
| Tier 1 risk-based capital ratio | 44.9798% | 172 |
| Total risk-based capital ratio | 46.2330% | 172 |
| Memoranda: | ||
| Average total assets | $259,537,200 | 2,443 |
| Average earning assets | $245,833,200 | 2,358 |
| Average equity | $42,881,400 | 1,622 |
| Average total loans | $131,059,000 | 2,866 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 6,669 |
| Cost of funding earning assets | 0.6677% | 4,037 |
| Net interest margin | 2.6897% | 6,657 |
| Noninterest income to average assets | 0.2458% | 5,795 |
| Noninterest expense to average assets | 2.2982% | 5,680 |
| Loan and lease loss provision to assets | 0.3653% | 1,780 |
| Net operating income to assets | 0.0731% | 6,168 |
| Return on assets (ROA) | 0.1857% | 6,111 |
| Pretax return on assets | 0.3027% | 5,952 |
| Return on Equity (ROE) | 1.1247% | 6,228 |
| Retained earnings to average equity (ytd only) | 1.1247% | 5,720 |
| Net charge-offs to loans | 0.5935% | 1,851 |
| Credit loss provision to net charge-offs | 119.4631% | 2,425 |
| Earnings coverage of net charge-offs (x) | 1.6090% | 4,476 |
| Efficiency ratio | 82.3648% | 1,768 |
| Assets per employee ($millions) | 6.0068% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 6,213 |
| Loan loss allowance to noncurrent loans | 52.1368% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 3,472 |
| Noncurrent loans to loans | 1.8454% | 3,020 |
| Net loans and leases to total assets | 48.6211% | 5,473 |
| Net loans and leases to deposits | 58.8970% | 5,325 |
| Net loans and leases to core deposits | 63.8684% | 5,161 |
| Total domestic deposits to total assets | 82.5528% | 4,812 |
| Equity capital to assets | 16.6509% | 507 |
| Core capital (leverage) ratio | 16.3218% | 443 |
| Tier 1 risk-based capital ratio | 44.4015% | 182 |
| Total risk-based capital ratio | 45.6523% | 182 |
| Memoranda: | ||
| Average total assets | $259,846,500 | 2,460 |
| Average earning assets | $245,818,750 | 2,392 |
| Average equity | $42,912,500 | 1,637 |
| Average total loans | $133,890,500 | 2,839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 6,688 |
| Cost of funding earning assets | 0.6870% | 4,127 |
| Net interest margin | 2.7511% | 6,646 |
| Noninterest income to average assets | 0.2082% | 6,072 |
| Noninterest expense to average assets | 2.2038% | 5,999 |
| Loan and lease loss provision to assets | 0.4325% | 1,507 |
| Net operating income to assets | 0.0949% | 6,177 |
| Return on assets (ROA) | 0.2635% | 5,915 |
| Pretax return on assets | 0.4317% | 5,628 |
| Return on Equity (ROE) | 1.5998% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.5998% | 5,407 |
| Net charge-offs to loans | 0.4565% | 2,235 |
| Credit loss provision to net charge-offs | 181.0289% | 1,559 |
| Earnings coverage of net charge-offs (x) | 2.5145% | 3,755 |
| Efficiency ratio | 78.5812% | 2,388 |
| Assets per employee ($millions) | 5.8700% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 6,078 |
| Loan loss allowance to noncurrent loans | 53.4700% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 3,658 |
| Noncurrent loans to loans | 1.9059% | 3,066 |
| Net loans and leases to total assets | 50.9925% | 5,222 |
| Net loans and leases to deposits | 62.0476% | 4,988 |
| Net loans and leases to core deposits | 67.2076% | 4,875 |
| Total domestic deposits to total assets | 82.1830% | 5,059 |
| Equity capital to assets | 16.6400% | 491 |
| Core capital (leverage) ratio | 16.3126% | 433 |
| Tier 1 risk-based capital ratio | 44.4646% | 174 |
| Total risk-based capital ratio | 45.7169% | 173 |
| Memoranda: | ||
| Average total assets | $260,364,330 | 2,459 |
| Average earning assets | $245,715,670 | 2,389 |
| Average equity | $42,880,670 | 1,627 |
| Average total loans | $136,252,330 | 2,809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 6,724 |
| Cost of funding earning assets | 0.7023% | 4,262 |
| Net interest margin | 2.7764% | 6,668 |
| Noninterest income to average assets | 0.1530% | 6,477 |
| Noninterest expense to average assets | 2.1851% | 6,080 |
| Loan and lease loss provision to assets | 0.5646% | 1,028 |
| Net operating income to assets | -0.0115% | 6,437 |
| Return on assets (ROA) | 0.3244% | 5,742 |
| Pretax return on assets | 0.5356% | 5,323 |
| Return on Equity (ROE) | 1.9798% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.9798% | 5,278 |
| Net charge-offs to loans | 0.8705% | 1,178 |
| Credit loss provision to net charge-offs | 123.0000% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.2533% | 3,709 |
| Efficiency ratio | 79.1574% | 2,323 |
| Assets per employee ($millions) | 6.0805% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 6,634 |
| Loan loss allowance to noncurrent loans | 39.9796% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3983% | 3,770 |
| Noncurrent loans to loans | 2.1356% | 2,986 |
| Net loans and leases to total assets | 52.0957% | 5,013 |
| Net loans and leases to deposits | 62.8637% | 4,789 |
| Net loans and leases to core deposits | 67.7254% | 4,712 |
| Total domestic deposits to total assets | 82.8709% | 4,982 |
| Equity capital to assets | 16.3581% | 517 |
| Core capital (leverage) ratio | 16.0654% | 453 |
| Tier 1 risk-based capital ratio | 43.3659% | 182 |
| Total risk-based capital ratio | 44.5806% | 182 |
| Memoranda: | ||
| Average total assets | $261,406,000 | 2,467 |
| Average earning assets | $245,494,000 | 2,405 |
| Average equity | $42,832,000 | 1,620 |
| Average total loans | $137,848,500 | 2,813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 6,693 |
| Cost of funding earning assets | 0.8684% | 4,333 |
| Net interest margin | 2.9649% | 6,580 |
| Noninterest income to average assets | -0.0732% | 7,082 |
| Noninterest expense to average assets | 2.1164% | 6,461 |
| Loan and lease loss provision to assets | 0.5623% | 1,859 |
| Net operating income to assets | -0.0518% | 6,110 |
| Return on assets (ROA) | 0.0789% | 6,023 |
| Pretax return on assets | 0.0781% | 6,004 |
| Return on Equity (ROE) | 0.4847% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.4847% | 5,609 |
| Net charge-offs to loans | 0.7407% | 2,294 |
| Credit loss provision to net charge-offs | 140.6101% | 2,094 |
| Earnings coverage of net charge-offs (x) | 1.2745% | 4,824 |
| Efficiency ratio | 80.5922% | 2,219 |
| Assets per employee ($millions) | 5.8078% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 6,744 |
| Loan loss allowance to noncurrent loans | 30.2466% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 3,540 |
| Noncurrent loans to loans | 2.6389% | 2,466 |
| Net loans and leases to total assets | 52.5003% | 5,234 |
| Net loans and leases to deposits | 63.4656% | 5,069 |
| Net loans and leases to core deposits | 68.4554% | 4,976 |
| Total domestic deposits to total assets | 82.7225% | 4,868 |
| Equity capital to assets | 16.4124% | 526 |
| Core capital (leverage) ratio | 16.2711% | 435 |
| Tier 1 risk-based capital ratio | 42.5470% | 192 |
| Total risk-based capital ratio | 43.3157% | 192 |
| Memoranda: | ||
| Average total assets | $262,336,600 | 2,409 |
| Average earning assets | $238,829,800 | 2,417 |
| Average equity | $42,708,000 | 1,572 |
| Average total loans | $141,628,200 | 2,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 6,775 |
| Cost of funding earning assets | 0.9037% | 4,371 |
| Net interest margin | 2.9613% | 6,650 |
| Noninterest income to average assets | -0.0518% | 7,165 |
| Noninterest expense to average assets | 2.2144% | 6,242 |
| Loan and lease loss provision to assets | 0.4951% | 2,008 |
| Net operating income to assets | -0.0505% | 6,223 |
| Return on assets (ROA) | 0.0609% | 6,155 |
| Pretax return on assets | 0.0985% | 6,098 |
| Return on Equity (ROE) | 0.3750% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.3750% | 5,842 |
| Net charge-offs to loans | 0.5222% | 2,664 |
| Credit loss provision to net charge-offs | 174.7312% | 1,705 |
| Earnings coverage of net charge-offs (x) | 1.4803% | 4,524 |
| Efficiency ratio | 84.0756% | 1,723 |
| Assets per employee ($millions) | 5.7640% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 6,847 |
| Loan loss allowance to noncurrent loans | 27.5610% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8108% | 3,379 |
| Noncurrent loans to loans | 2.8398% | 2,453 |
| Net loans and leases to total assets | 53.5153% | 5,239 |
| Net loans and leases to deposits | 65.0973% | 5,036 |
| Net loans and leases to core deposits | 70.0748% | 4,940 |
| Total domestic deposits to total assets | 82.2081% | 5,006 |
| Equity capital to assets | 16.5262% | 537 |
| Core capital (leverage) ratio | 16.3650% | 460 |
| Tier 1 risk-based capital ratio | 43.7901% | 193 |
| Total risk-based capital ratio | 44.5446% | 195 |
| Memoranda: | ||
| Average total assets | $262,583,000 | 2,420 |
| Average earning assets | $238,132,750 | 2,425 |
| Average equity | $42,661,500 | 1,583 |
| Average total loans | $142,456,750 | 2,769 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 6,801 |
| Cost of funding earning assets | 0.9459% | 4,351 |
| Net interest margin | 2.9565% | 6,684 |
| Noninterest income to average assets | 0.0008% | 7,185 |
| Noninterest expense to average assets | 2.2371% | 6,284 |
| Loan and lease loss provision to assets | 0.3793% | 2,517 |
| Net operating income to assets | 0.0178% | 6,198 |
| Return on assets (ROA) | 0.1843% | 5,898 |
| Pretax return on assets | 0.3049% | 5,661 |
| Return on Equity (ROE) | 1.1410% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.1410% | 5,406 |
| Net charge-offs to loans | 0.3405% | 3,203 |
| Credit loss provision to net charge-offs | 204.9180% | 1,472 |
| Earnings coverage of net charge-offs (x) | 2.2910% | 3,682 |
| Efficiency ratio | 84.0650% | 1,805 |
| Assets per employee ($millions) | 5.7402% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 7,066 |
| Loan loss allowance to noncurrent loans | 28.0528% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 1.6520% | 3,700 |
| Noncurrent loans to loans | 2.3678% | 3,022 |
| Net loans and leases to total assets | 52.9549% | 5,444 |
| Net loans and leases to deposits | 64.1769% | 5,248 |
| Net loans and leases to core deposits | 68.7274% | 5,214 |
| Total domestic deposits to total assets | 82.5140% | 4,983 |
| Equity capital to assets | 16.2132% | 586 |
| Core capital (leverage) ratio | 16.1109% | 495 |
| Tier 1 risk-based capital ratio | 44.0273% | 190 |
| Total risk-based capital ratio | 44.4335% | 197 |
| Memoranda: | ||
| Average total assets | $263,650,000 | 2,419 |
| Average earning assets | $237,238,000 | 2,455 |
| Average equity | $42,593,330 | 1,568 |
| Average total loans | $143,307,670 | 2,786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 6,662 |
| Cost of funding earning assets | 0.9976% | 4,219 |
| Net interest margin | 3.0218% | 6,528 |
| Noninterest income to average assets | 0.0015% | 7,286 |
| Noninterest expense to average assets | 2.2593% | 6,285 |
| Loan and lease loss provision to assets | 0.2277% | 3,384 |
| Net operating income to assets | 0.1175% | 6,046 |
| Return on assets (ROA) | 0.1427% | 6,020 |
| Pretax return on assets | 0.2353% | 5,851 |
| Return on Equity (ROE) | 0.8850% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.8850% | 5,471 |
| Net charge-offs to loans | 0.0470% | 4,470 |
| Credit loss provision to net charge-offs | 882.3529% | 436 |
| Earnings coverage of net charge-offs (x) | 16.4118% | 1,268 |
| Efficiency ratio | 84.2105% | 1,929 |
| Assets per employee ($millions) | 5.6264% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 7,238 |
| Loan loss allowance to noncurrent loans | 25.1161% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 3,762 |
| Noncurrent loans to loans | 2.2600% | 3,239 |
| Net loans and leases to total assets | 53.7227% | 5,342 |
| Net loans and leases to deposits | 64.9258% | 5,139 |
| Net loans and leases to core deposits | 69.5124% | 5,110 |
| Total domestic deposits to total assets | 82.7449% | 5,013 |
| Equity capital to assets | 16.0882% | 562 |
| Core capital (leverage) ratio | 16.0234% | 495 |
| Tier 1 risk-based capital ratio | 43.1600% | 199 |
| Total risk-based capital ratio | 43.3129% | 205 |
| Memoranda: | ||
| Average total assets | $263,449,500 | 2,444 |
| Average earning assets | $233,764,500 | 2,508 |
| Average equity | $42,484,500 | 1,563 |
| Average total loans | $144,580,000 | 2,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 6,986 |
| Cost of funding earning assets | 1.3529% | 3,550 |
| Net interest margin | 2.7994% | 7,031 |
| Noninterest income to average assets | 0.1119% | 6,840 |
| Noninterest expense to average assets | 2.3849% | 6,125 |
| Loan and lease loss provision to assets | 0.1947% | 5,286 |
| Net operating income to assets | 0.0865% | 5,619 |
| Return on assets (ROA) | 0.1833% | 5,490 |
| Pretax return on assets | 0.2360% | 5,393 |
| Return on Equity (ROE) | 1.1344% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.1344% | 4,976 |
| Net charge-offs to loans | 0.2411% | 4,838 |
| Credit loss provision to net charge-offs | 143.6620% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.2620% | 4,030 |
| Efficiency ratio | 88.6083% | 1,432 |
| Assets per employee ($millions) | 5.4678% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 7,387 |
| Loan loss allowance to noncurrent loans | 26.5570% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 4,249 |
| Noncurrent loans to loans | 1.7452% | 3,889 |
| Net loans and leases to total assets | 55.4779% | 5,417 |
| Net loans and leases to deposits | 67.2690% | 5,203 |
| Net loans and leases to core deposits | 72.4713% | 5,162 |
| Total domestic deposits to total assets | 82.4717% | 5,028 |
| Equity capital to assets | 16.1646% | 557 |
| Core capital (leverage) ratio | 16.1074% | 494 |
| Tier 1 risk-based capital ratio | 42.9521% | 192 |
| Total risk-based capital ratio | 42.9440% | 213 |
| Memoranda: | ||
| Average total assets | $261,897,800 | 2,437 |
| Average earning assets | $241,335,800 | 2,416 |
| Average equity | $42,312,000 | 1,568 |
| Average total loans | $147,250,400 | 2,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 7,042 |
| Cost of funding earning assets | 1.4237% | 3,433 |
| Net interest margin | 2.8151% | 7,114 |
| Noninterest income to average assets | 0.1885% | 6,537 |
| Noninterest expense to average assets | 2.4618% | 5,853 |
| Loan and lease loss provision to assets | 0.1834% | 5,211 |
| Net operating income to assets | 0.1182% | 5,725 |
| Return on assets (ROA) | 0.2440% | 5,530 |
| Pretax return on assets | 0.3194% | 5,450 |
| Return on Equity (ROE) | 1.5104% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.5104% | 5,199 |
| Net charge-offs to loans | 0.2848% | 4,238 |
| Credit loss provision to net charge-offs | 114.2857% | 3,659 |
| Earnings coverage of net charge-offs (x) | 2.1016% | 4,149 |
| Efficiency ratio | 87.9527% | 1,450 |
| Assets per employee ($millions) | 5.4306% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3786% | 7,549 |
| Loan loss allowance to noncurrent loans | 22.6475% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 4,464 |
| Noncurrent loans to loans | 1.6718% | 4,138 |
| Net loans and leases to total assets | 57.3334% | 5,360 |
| Net loans and leases to deposits | 69.7216% | 5,194 |
| Net loans and leases to core deposits | 74.8951% | 5,183 |
| Total domestic deposits to total assets | 82.2319% | 4,901 |
| Equity capital to assets | 16.3479% | 610 |
| Core capital (leverage) ratio | 16.2293% | 525 |
| Tier 1 risk-based capital ratio | 40.2257% | 240 |
| Total risk-based capital ratio | 40.1009% | 262 |
| Memoranda: | ||
| Average total assets | $261,758,250 | 2,471 |
| Average earning assets | $242,734,500 | 2,439 |
| Average equity | $42,283,750 | 1,566 |
| Average total loans | $147,492,250 | 2,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 7,151 |
| Cost of funding earning assets | 1.4816% | 3,360 |
| Net interest margin | 2.7364% | 7,213 |
| Noninterest income to average assets | 0.2136% | 6,393 |
| Noninterest expense to average assets | 2.3470% | 6,229 |
| Loan and lease loss provision to assets | 0.1373% | 5,516 |
| Net operating income to assets | 0.2106% | 5,523 |
| Return on assets (ROA) | 0.3991% | 4,920 |
| Pretax return on assets | 0.5280% | 4,822 |
| Return on Equity (ROE) | 2.4802% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.4802% | 4,575 |
| Net charge-offs to loans | 0.1064% | 5,091 |
| Credit loss provision to net charge-offs | 230.7692% | 1,677 |
| Earnings coverage of net charge-offs (x) | 7.0128% | 2,372 |
| Efficiency ratio | 84.9020% | 1,826 |
| Assets per employee ($millions) | 5.6452% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 7,583 |
| Loan loss allowance to noncurrent loans | 28.8488% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 4,995 |
| Noncurrent loans to loans | 1.4664% | 4,512 |
| Net loans and leases to total assets | 54.2069% | 5,963 |
| Net loans and leases to deposits | 67.3034% | 5,648 |
| Net loans and leases to core deposits | 72.0936% | 5,657 |
| Total domestic deposits to total assets | 80.5411% | 5,548 |
| Equity capital to assets | 15.6965% | 726 |
| Core capital (leverage) ratio | 15.6205% | 618 |
| Tier 1 risk-based capital ratio | 39.2193% | 264 |
| Total risk-based capital ratio | 39.0338% | 281 |
| Memoranda: | ||
| Average total assets | $262,121,000 | 2,489 |
| Average earning assets | $244,335,330 | 2,452 |
| Average equity | $42,173,670 | 1,565 |
| Average total loans | $146,650,000 | 2,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 7,156 |
| Cost of funding earning assets | 1.5736% | 3,117 |
| Net interest margin | 2.7102% | 7,286 |
| Noninterest income to average assets | 0.2421% | 6,214 |
| Noninterest expense to average assets | 2.3159% | 6,334 |
| Loan and lease loss provision to assets | 0.1397% | 5,154 |
| Net operating income to assets | 0.2100% | 5,648 |
| Return on assets (ROA) | 0.4393% | 4,798 |
| Pretax return on assets | 0.6224% | 4,517 |
| Return on Equity (ROE) | 2.6956% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.6956% | 4,523 |
| Net charge-offs to loans | 0.0875% | 4,545 |
| Credit loss provision to net charge-offs | 281.2500% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.8438% | 1,916 |
| Efficiency ratio | 84.0563% | 2,013 |
| Assets per employee ($millions) | 5.4818% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 7,691 |
| Loan loss allowance to noncurrent loans | 31.3884% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 5,490 |
| Noncurrent loans to loans | 1.2639% | 4,872 |
| Net loans and leases to total assets | 55.4390% | 5,825 |
| Net loans and leases to deposits | 66.8013% | 5,733 |
| Net loans and leases to core deposits | 71.2070% | 5,805 |
| Total domestic deposits to total assets | 82.9910% | 4,631 |
| Equity capital to assets | 15.9977% | 668 |
| Core capital (leverage) ratio | 15.9847% | 584 |
| Tier 1 risk-based capital ratio | 41.0591% | 237 |
| Total risk-based capital ratio | 41.6293% | 241 |
| Memoranda: | ||
| Average total assets | $257,696,000 | 2,579 |
| Average earning assets | $238,949,000 | 2,543 |
| Average equity | $41,994,000 | 1,590 |
| Average total loans | $146,220,500 | 2,961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 7,205 |
| Cost of funding earning assets | 1.8763% | 3,591 |
| Net interest margin | 2.7781% | 7,099 |
| Noninterest income to average assets | 0.2376% | 6,394 |
| Noninterest expense to average assets | 2.3344% | 6,649 |
| Loan and lease loss provision to assets | 0.1299% | 6,337 |
| Net operating income to assets | 0.2609% | 4,676 |
| Return on assets (ROA) | 0.3378% | 4,471 |
| Pretax return on assets | 0.4694% | 4,288 |
| Return on Equity (ROE) | 1.9725% | 4,918 |
| Retained earnings to average equity (ytd only) | 1.9725% | 3,720 |
| Net charge-offs to loans | 0.0274% | 6,860 |
| Credit loss provision to net charge-offs | 787.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 29.8500% | 770 |
| Efficiency ratio | 82.5795% | 2,540 |
| Assets per employee ($millions) | 5.2556% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 7,788 |
| Loan loss allowance to noncurrent loans | 39.7719% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 6,151 |
| Noncurrent loans to loans | 0.9008% | 5,507 |
| Net loans and leases to total assets | 57.6623% | 5,716 |
| Net loans and leases to deposits | 70.0416% | 5,599 |
| Net loans and leases to core deposits | 89.9024% | 5,139 |
| Total domestic deposits to total assets | 82.3259% | 4,803 |
| Equity capital to assets | 16.6070% | 599 |
| Core capital (leverage) ratio | 16.5687% | 545 |
| Tier 1 risk-based capital ratio | 42.3963% | 217 |
| Total risk-based capital ratio | 42.9302% | 222 |
| Memoranda: | ||
| Average total assets | $242,461,200 | 2,689 |
| Average earning assets | $225,981,400 | 2,637 |
| Average equity | $41,520,200 | 1,611 |
| Average total loans | $145,734,200 | 2,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 7,244 |
| Cost of funding earning assets | 1.9363% | 3,675 |
| Net interest margin | 2.7894% | 7,075 |
| Noninterest income to average assets | 0.2044% | 6,756 |
| Noninterest expense to average assets | 2.2971% | 6,718 |
| Loan and lease loss provision to assets | 0.0917% | 6,450 |
| Net operating income to assets | 0.2969% | 4,798 |
| Return on assets (ROA) | 0.4005% | 4,502 |
| Pretax return on assets | 0.5589% | 4,334 |
| Return on Equity (ROE) | 2.3205% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.3205% | 4,025 |
| Net charge-offs to loans | 0.0211% | 6,605 |
| Credit loss provision to net charge-offs | 717.3913% | 523 |
| Earnings coverage of net charge-offs (x) | 39.6469% | 755 |
| Efficiency ratio | 81.9299% | 2,587 |
| Assets per employee ($millions) | 4.9764% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2663% | 7,929 |
| Loan loss allowance to noncurrent loans | 34.3310% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 6,224 |
| Noncurrent loans to loans | 0.7756% | 5,747 |
| Net loans and leases to total assets | 59.9017% | 5,598 |
| Net loans and leases to deposits | 73.3608% | 5,462 |
| Net loans and leases to core deposits | 93.3056% | 5,097 |
| Total domestic deposits to total assets | 81.6536% | 4,818 |
| Equity capital to assets | 17.1686% | 608 |
| Core capital (leverage) ratio | 17.1428% | 535 |
| Tier 1 risk-based capital ratio | 41.7158% | 254 |
| Total risk-based capital ratio | 42.1151% | 265 |
| Memoranda: | ||
| Average total assets | $240,009,750 | 2,734 |
| Average earning assets | $223,653,750 | 2,692 |
| Average equity | $41,426,750 | 1,637 |
| Average total loans | $145,671,250 | 3,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 7,228 |
| Cost of funding earning assets | 1.9908% | 3,819 |
| Net interest margin | 2.8091% | 6,996 |
| Noninterest income to average assets | 0.2371% | 6,585 |
| Noninterest expense to average assets | 2.3491% | 6,628 |
| Loan and lease loss provision to assets | 0.0754% | 6,435 |
| Net operating income to assets | 0.3131% | 4,833 |
| Return on assets (ROA) | 0.3644% | 4,739 |
| Pretax return on assets | 0.5001% | 4,615 |
| Return on Equity (ROE) | 2.1075% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.1075% | 4,172 |
| Net charge-offs to loans | 0.0316% | 6,017 |
| Credit loss provision to net charge-offs | 391.3043% | 1,188 |
| Earnings coverage of net charge-offs (x) | 26.2174% | 1,090 |
| Efficiency ratio | 82.3011% | 2,685 |
| Assets per employee ($millions) | 4.9713% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2149% | 8,057 |
| Loan loss allowance to noncurrent loans | 38.8889% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,630 |
| Noncurrent loans to loans | 0.5526% | 6,164 |
| Net loans and leases to total assets | 60.0411% | 5,672 |
| Net loans and leases to deposits | 73.4292% | 5,544 |
| Net loans and leases to core deposits | 92.9413% | 5,244 |
| Total domestic deposits to total assets | 81.7673% | 4,786 |
| Equity capital to assets | 17.0381% | 657 |
| Core capital (leverage) ratio | 16.9962% | 613 |
| Tier 1 risk-based capital ratio | 41.5775% | 273 |
| Total risk-based capital ratio | 41.8940% | 288 |
| Memoranda: | ||
| Average total assets | $238,731,000 | 2,765 |
| Average earning assets | $222,420,000 | 2,719 |
| Average equity | $41,280,670 | 1,645 |
| Average total loans | $145,409,000 | 3,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 7,028 |
| Cost of funding earning assets | 2.0377% | 3,940 |
| Net interest margin | 2.9253% | 6,684 |
| Noninterest income to average assets | 0.1507% | 7,223 |
| Noninterest expense to average assets | 2.2751% | 6,615 |
| Loan and lease loss provision to assets | 0.0508% | 6,329 |
| Net operating income to assets | 0.3995% | 4,864 |
| Return on assets (ROA) | 0.4621% | 4,783 |
| Pretax return on assets | 0.6263% | 4,671 |
| Return on Equity (ROE) | 2.6525% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.6525% | 4,404 |
| Net charge-offs to loans | 0.0028% | 5,697 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 105 |
| Efficiency ratio | 79.3388% | 2,936 |
| Assets per employee ($millions) | 5.0374% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1906% | 8,115 |
| Loan loss allowance to noncurrent loans | 85.7585% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 7,015 |
| Noncurrent loans to loans | 0.2223% | 6,899 |
| Net loans and leases to total assets | 59.9808% | 5,653 |
| Net loans and leases to deposits | 73.3894% | 5,557 |
| Net loans and leases to core deposits | 90.5673% | 5,505 |
| Total domestic deposits to total assets | 81.7295% | 4,667 |
| Equity capital to assets | 17.0935% | 713 |
| Core capital (leverage) ratio | 17.0558% | 645 |
| Tier 1 risk-based capital ratio | 42.1219% | 284 |
| Total risk-based capital ratio | 42.4050% | 291 |
| Memoranda: | ||
| Average total assets | $236,299,000 | 2,811 |
| Average earning assets | $219,464,000 | 2,771 |
| Average equity | $41,169,000 | 1,651 |
| Average total loans | $144,827,500 | 3,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 7,689 |
| Cost of funding earning assets | 2.5393% | 4,006 |
| Net interest margin | 2.6575% | 7,563 |
| Noninterest income to average assets | 0.1277% | 7,475 |
| Noninterest expense to average assets | 2.2992% | 6,706 |
| Loan and lease loss provision to assets | 0.4795% | 2,902 |
| Net operating income to assets | -0.0581% | 6,450 |
| Return on assets (ROA) | 0.0264% | 6,144 |
| Pretax return on assets | -0.0182% | 6,174 |
| Return on Equity (ROE) | 0.1483% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.1483% | 5,138 |
| Net charge-offs to loans | 0.0868% | 5,505 |
| Credit loss provision to net charge-offs | 923.3333% | 482 |
| Earnings coverage of net charge-offs (x) | 6.3417% | 3,377 |
| Efficiency ratio | 87.4712% | 1,727 |
| Assets per employee ($millions) | 4.8084% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1718% | 8,182 |
| Loan loss allowance to noncurrent loans | 126.5306% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 7,063 |
| Noncurrent loans to loans | 0.1358% | 7,006 |
| Net loans and leases to total assets | 62.4339% | 5,551 |
| Net loans and leases to deposits | 76.8722% | 5,490 |
| Net loans and leases to core deposits | 95.8430% | 5,271 |
| Total domestic deposits to total assets | 81.2178% | 4,549 |
| Equity capital to assets | 17.7670% | 678 |
| Core capital (leverage) ratio | 17.7415% | 632 |
| Tier 1 risk-based capital ratio | 42.8688% | 288 |
| Total risk-based capital ratio | 43.1286% | 295 |
| Memoranda: | ||
| Average total assets | $231,080,800 | 2,752 |
| Average earning assets | $217,462,400 | 2,683 |
| Average equity | $41,130,200 | 1,626 |
| Average total loans | $138,322,200 | 3,124 |