Home > OneLocal Bank > Performance and Condition Ratios
OneLocal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 1,520 |
| Cost of funding earning assets | 1.8647% | 1,131 |
| Net interest margin | 3.4201% | 2,362 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2559% | 2,968 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8364% | 2,754 |
| Return on assets (ROA) | 0.8364% | 2,732 |
| Pretax return on assets | 1.1283% | 2,325 |
| Return on Equity (ROE) | 6.2100% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.2147% | 2,168 |
| Net charge-offs to loans | -0.0007% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.2821% | 2,695 |
| Assets per employee ($millions) | 11.8703% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,710 |
| Loan loss allowance to noncurrent loans | 376.0064% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 2,224 |
| Noncurrent loans to loans | 0.2391% | 2,355 |
| Net loans and leases to total assets | 83.3900% | 314 |
| Net loans and leases to deposits | 102.3012% | 421 |
| Net loans and leases to core deposits | 125.3602% | 500 |
| Total domestic deposits to total assets | 81.5100% | 3,225 |
| Equity capital to assets | 13.5413% | 760 |
| Core capital (leverage) ratio | 13.2535% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $899,969,800 | 1,084 |
| Average earning assets | $847,638,600 | 1,060 |
| Average equity | $121,115,200 | 814 |
| Average total loans | $746,525,400 | 909 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 1,501 |
| Cost of funding earning assets | 1.6735% | 1,226 |
| Net interest margin | 3.5034% | 2,202 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2770% | 2,866 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8585% | 2,835 |
| Return on assets (ROA) | 0.8585% | 2,816 |
| Pretax return on assets | 1.1580% | 2,392 |
| Return on Equity (ROE) | 6.3900% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.3894% | 2,503 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.5996% | 2,651 |
| Assets per employee ($millions) | 11.5293% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 3,747 |
| Loan loss allowance to noncurrent loans | 900.7663% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,030 |
| Noncurrent loans to loans | 0.0994% | 3,080 |
| Net loans and leases to total assets | 83.5600% | 319 |
| Net loans and leases to deposits | 105.5454% | 303 |
| Net loans and leases to core deposits | 122.1112% | 501 |
| Total domestic deposits to total assets | 79.1700% | 3,663 |
| Equity capital to assets | 12.8950% | 836 |
| Core capital (leverage) ratio | 13.4473% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $893,491,500 | 1,095 |
| Average earning assets | $840,790,250 | 1,072 |
| Average equity | $120,049,750 | 818 |
| Average total loans | $738,392,500 | 918 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 1,385 |
| Cost of funding earning assets | 1.4911% | 1,260 |
| Net interest margin | 3.6025% | 2,034 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.2824% | 2,862 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9602% | 2,545 |
| Return on assets (ROA) | 0.9602% | 2,536 |
| Pretax return on assets | 1.2815% | 2,131 |
| Return on Equity (ROE) | 7.0500% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.0461% | 2,268 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.0053% | 2,841 |
| Assets per employee ($millions) | 11.3224% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,733 |
| Loan loss allowance to noncurrent loans | 3,661.2903% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,617 |
| Noncurrent loans to loans | 0.0250% | 3,577 |
| Net loans and leases to total assets | 82.4200% | 385 |
| Net loans and leases to deposits | 102.1736% | 427 |
| Net loans and leases to core deposits | 114.5345% | 668 |
| Total domestic deposits to total assets | 80.6700% | 3,477 |
| Equity capital to assets | 13.5027% | 719 |
| Core capital (leverage) ratio | 13.6087% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $880,031,333 | 1,097 |
| Average earning assets | $827,710,333 | 1,081 |
| Average equity | $119,925,333 | 813 |
| Average total loans | $722,054,667 | 912 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 1,321 |
| Cost of funding earning assets | 1.2658% | 1,308 |
| Net interest margin | 3.6881% | 1,926 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.2433% | 2,975 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0619% | 2,345 |
| Return on assets (ROA) | 1.0619% | 2,315 |
| Pretax return on assets | 1.4088% | 1,864 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7557% | 2,300 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4698% | 3,135 |
| Assets per employee ($millions) | 11.4984% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 4,164 |
| Loan loss allowance to noncurrent loans | 785.5714% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,003 |
| Noncurrent loans to loans | 0.0965% | 3,063 |
| Net loans and leases to total assets | 81.3400% | 432 |
| Net loans and leases to deposits | 98.4086% | 516 |
| Net loans and leases to core deposits | 111.1973% | 662 |
| Total domestic deposits to total assets | 82.6600% | 3,363 |
| Equity capital to assets | 13.7176% | 634 |
| Core capital (leverage) ratio | 13.6939% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $872,810,500 | 1,118 |
| Average earning assets | $819,712,500 | 1,103 |
| Average equity | $119,499,000 | 825 |
| Average total loans | $711,055,000 | 941 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 1,835 |
| Cost of funding earning assets | 0.4208% | 1,933 |
| Net interest margin | 3.5358% | 1,820 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.4030% | 2,416 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8258% | 3,235 |
| Return on assets (ROA) | 0.8258% | 3,169 |
| Pretax return on assets | 1.1278% | 2,678 |
| Return on Equity (ROE) | 5.9800% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.9814% | 2,654 |
| Net charge-offs to loans | -0.0002% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5213% | 2,020 |
| Assets per employee ($millions) | 11.0288% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 4,066 |
| Loan loss allowance to noncurrent loans | 487.8680% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,605 |
| Noncurrent loans to loans | 0.1610% | 2,685 |
| Net loans and leases to total assets | 80.3200% | 560 |
| Net loans and leases to deposits | 94.5195% | 746 |
| Net loans and leases to core deposits | 105.5792% | 762 |
| Total domestic deposits to total assets | 84.9800% | 2,994 |
| Equity capital to assets | 13.6642% | 610 |
| Core capital (leverage) ratio | 16.0414% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $719,644,400 | 1,286 |
| Average earning assets | $683,981,800 | 1,255 |
| Average equity | $99,358,200 | 947 |
| Average total loans | $574,644,200 | 1,066 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 1,663 |
| Cost of funding earning assets | 0.3209% | 1,954 |
| Net interest margin | 3.5089% | 1,642 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.2887% | 2,657 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8947% | 2,884 |
| Return on assets (ROA) | 0.8947% | 2,866 |
| Pretax return on assets | 1.2268% | 2,267 |
| Return on Equity (ROE) | 6.4600% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.4590% | 2,570 |
| Net charge-offs to loans | -0.0002% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7454% | 2,445 |
| Assets per employee ($millions) | 11.7388% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,749 |
| Loan loss allowance to noncurrent loans | 492.2592% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 2,422 |
| Noncurrent loans to loans | 0.1906% | 2,644 |
| Net loans and leases to total assets | 89.4100% | 36 |
| Net loans and leases to deposits | 108.1657% | 149 |
| Net loans and leases to core deposits | 118.0382% | 295 |
| Total domestic deposits to total assets | 82.6600% | 3,732 |
| Equity capital to assets | 14.9711% | 455 |
| Core capital (leverage) ratio | 15.3228% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $684,493,750 | 1,334 |
| Average earning assets | $653,136,750 | 1,308 |
| Average equity | $94,811,250 | 993 |
| Average total loans | $544,197,250 | 1,107 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 1,945 |
| Cost of funding earning assets | 0.3073% | 1,660 |
| Net interest margin | 3.2580% | 2,034 |
| Noninterest income to average assets | 0.1861% | 4,075 |
| Noninterest expense to average assets | 1.9904% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9541% | 2,341 |
| Return on assets (ROA) | 0.9541% | 2,314 |
| Pretax return on assets | 1.3085% | 1,721 |
| Return on Equity (ROE) | 7.0640% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.0640% | 1,968 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3355% | 3,254 |
| Assets per employee ($millions) | 12.3991% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,774 |
| Loan loss allowance to noncurrent loans | 456.1597% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,480 |
| Noncurrent loans to loans | 0.2096% | 2,666 |
| Net loans and leases to total assets | 83.0593% | 235 |
| Net loans and leases to deposits | 99.6434% | 284 |
| Net loans and leases to core deposits | 105.9364% | 453 |
| Total domestic deposits to total assets | 83.3565% | 3,808 |
| Equity capital to assets | 14.3645% | 477 |
| Core capital (leverage) ratio | 14.3517% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $697,446,333 | 1,324 |
| Average earning assets | $666,350,333 | 1,293 |
| Average equity | $94,195,333 | 1,005 |
| Average total loans | $531,347,000 | 1,118 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 2,214 |
| Cost of funding earning assets | 0.3111% | 1,545 |
| Net interest margin | 3.0480% | 2,340 |
| Noninterest income to average assets | 0.1940% | 3,998 |
| Noninterest expense to average assets | 1.9629% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8462% | 2,497 |
| Return on assets (ROA) | 0.8462% | 2,489 |
| Pretax return on assets | 1.1504% | 1,978 |
| Return on Equity (ROE) | 6.4590% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.4590% | 2,088 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0486% | 3,139 |
| Assets per employee ($millions) | 13.4909% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,645 |
| Loan loss allowance to noncurrent loans | 491.6667% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 2,722 |
| Noncurrent loans to loans | 0.2067% | 2,791 |
| Net loans and leases to total assets | 73.1414% | 724 |
| Net loans and leases to deposits | 87.6285% | 638 |
| Net loans and leases to core deposits | 92.9755% | 777 |
| Total domestic deposits to total assets | 83.4676% | 3,871 |
| Equity capital to assets | 13.0347% | 681 |
| Core capital (leverage) ratio | 13.6278% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $711,393,500 | 1,305 |
| Average earning assets | $681,370,000 | 1,275 |
| Average equity | $93,204,000 | 1,050 |
| Average total loans | $516,273,500 | 1,136 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 2,518 |
| Cost of funding earning assets | 0.4129% | 1,451 |
| Net interest margin | 3.1364% | 2,775 |
| Noninterest income to average assets | 0.3669% | 3,235 |
| Noninterest expense to average assets | 1.8582% | 4,035 |
| Loan and lease loss provision to assets | 0.0177% | 2,716 |
| Net operating income to assets | 1.0843% | 2,355 |
| Return on assets (ROA) | 1.0987% | 2,365 |
| Pretax return on assets | 1.4993% | 1,730 |
| Return on Equity (ROE) | 8.3202% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.3202% | 1,421 |
| Net charge-offs to loans | -0.0004% | 3,219 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3553% | 3,776 |
| Assets per employee ($millions) | 14.1554% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,501 |
| Loan loss allowance to noncurrent loans | 288.6022% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,232 |
| Noncurrent loans to loans | 0.3689% | 2,260 |
| Net loans and leases to total assets | 70.4800% | 987 |
| Net loans and leases to deposits | 84.6130% | 875 |
| Net loans and leases to core deposits | 89.2935% | 997 |
| Total domestic deposits to total assets | 83.2969% | 3,746 |
| Equity capital to assets | 13.1692% | 853 |
| Core capital (leverage) ratio | 13.7008% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,797,000 | 1,314 |
| Average earning assets | $646,157,600 | 1,295 |
| Average equity | $89,504,800 | 1,108 |
| Average total loans | $503,480,600 | 1,157 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 2,559 |
| Cost of funding earning assets | 0.4375% | 1,440 |
| Net interest margin | 3.1640% | 2,845 |
| Noninterest income to average assets | 0.3990% | 3,088 |
| Noninterest expense to average assets | 1.8910% | 3,966 |
| Loan and lease loss provision to assets | 0.0239% | 2,516 |
| Net operating income to assets | 1.0920% | 2,586 |
| Return on assets (ROA) | 1.1115% | 2,564 |
| Pretax return on assets | 1.5209% | 1,938 |
| Return on Equity (ROE) | 8.4111% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.4111% | 1,906 |
| Net charge-offs to loans | -0.0003% | 3,067 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4376% | 3,598 |
| Assets per employee ($millions) | 13.5319% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,676 |
| Loan loss allowance to noncurrent loans | 232.0796% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 2,109 |
| Noncurrent loans to loans | 0.4515% | 2,207 |
| Net loans and leases to total assets | 73.4614% | 738 |
| Net loans and leases to deposits | 88.4495% | 690 |
| Net loans and leases to core deposits | 93.1217% | 863 |
| Total domestic deposits to total assets | 83.0545% | 3,689 |
| Equity capital to assets | 13.2880% | 907 |
| Core capital (leverage) ratio | 13.7667% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,303,500 | 1,339 |
| Average earning assets | $638,114,000 | 1,319 |
| Average equity | $88,579,000 | 1,132 |
| Average total loans | $503,299,500 | 1,175 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 2,486 |
| Cost of funding earning assets | 0.4668% | 1,406 |
| Net interest margin | 3.1779% | 2,816 |
| Noninterest income to average assets | 0.4388% | 2,913 |
| Noninterest expense to average assets | 1.9033% | 3,956 |
| Loan and lease loss provision to assets | 0.0316% | 2,347 |
| Net operating income to assets | 1.1117% | 2,500 |
| Return on assets (ROA) | 1.1412% | 2,458 |
| Pretax return on assets | 1.5628% | 1,842 |
| Return on Equity (ROE) | 8.6523% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.6523% | 1,835 |
| Net charge-offs to loans | -0.0004% | 3,032 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0030% | 3,676 |
| Assets per employee ($millions) | 12.6614% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,622 |
| Loan loss allowance to noncurrent loans | 230.1376% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 2,232 |
| Noncurrent loans to loans | 0.4565% | 2,308 |
| Net loans and leases to total assets | 73.7428% | 781 |
| Net loans and leases to deposits | 88.7926% | 733 |
| Net loans and leases to core deposits | 93.9815% | 903 |
| Total domestic deposits to total assets | 83.0507% | 3,695 |
| Equity capital to assets | 13.1621% | 900 |
| Core capital (leverage) ratio | 13.7427% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $663,696,000 | 1,345 |
| Average earning assets | $631,054,667 | 1,329 |
| Average equity | $87,537,333 | 1,134 |
| Average total loans | $500,284,667 | 1,185 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 2,245 |
| Cost of funding earning assets | 0.5163% | 1,293 |
| Net interest margin | 3.2315% | 2,599 |
| Noninterest income to average assets | 0.4895% | 2,656 |
| Noninterest expense to average assets | 1.9459% | 3,867 |
| Loan and lease loss provision to assets | 0.0092% | 2,654 |
| Net operating income to assets | 1.1651% | 2,278 |
| Return on assets (ROA) | 1.1651% | 2,350 |
| Pretax return on assets | 1.5983% | 1,730 |
| Return on Equity (ROE) | 8.8240% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.8240% | 2,014 |
| Net charge-offs to loans | -0.0008% | 3,034 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7615% | 3,705 |
| Assets per employee ($millions) | 12.7815% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,576 |
| Loan loss allowance to noncurrent loans | 222.3067% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 2,405 |
| Noncurrent loans to loans | 0.4812% | 2,406 |
| Net loans and leases to total assets | 71.8324% | 1,047 |
| Net loans and leases to deposits | 86.8744% | 896 |
| Net loans and leases to core deposits | 92.4999% | 1,081 |
| Total domestic deposits to total assets | 82.6853% | 3,763 |
| Equity capital to assets | 12.8446% | 961 |
| Core capital (leverage) ratio | 13.6052% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $653,687,000 | 1,346 |
| Average earning assets | $619,777,500 | 1,338 |
| Average equity | $86,310,500 | 1,139 |
| Average total loans | $495,655,500 | 1,193 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 2,560 |
| Cost of funding earning assets | 0.9135% | 822 |
| Net interest margin | 3.1430% | 3,513 |
| Noninterest income to average assets | 0.9824% | 1,078 |
| Noninterest expense to average assets | 2.0193% | 4,101 |
| Loan and lease loss provision to assets | 0.2175% | 1,802 |
| Net operating income to assets | 1.3457% | 1,134 |
| Return on assets (ROA) | 1.3552% | 1,208 |
| Pretax return on assets | 1.7182% | 825 |
| Return on Equity (ROE) | 10.4041% | 1,843 |
| Retained earnings to average equity (ytd only) | 10.4041% | 511 |
| Net charge-offs to loans | -0.0002% | 3,892 |
| Credit loss provision to net charge-offs | -135,500.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2132% | 4,452 |
| Assets per employee ($millions) | 12.1145% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,687 |
| Loan loss allowance to noncurrent loans | 201.5751% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,346 |
| Noncurrent loans to loans | 0.5212% | 2,415 |
| Net loans and leases to total assets | 78.4494% | 560 |
| Net loans and leases to deposits | 96.2572% | 541 |
| Net loans and leases to core deposits | 104.0334% | 722 |
| Total domestic deposits to total assets | 81.4998% | 3,762 |
| Equity capital to assets | 13.5897% | 903 |
| Core capital (leverage) ratio | 14.1416% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $622,988,400 | 1,294 |
| Average earning assets | $586,832,800 | 1,288 |
| Average equity | $81,151,000 | 1,146 |
| Average total loans | $501,608,800 | 1,139 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 2,701 |
| Cost of funding earning assets | 0.9943% | 773 |
| Net interest margin | 3.0957% | 3,752 |
| Noninterest income to average assets | 0.5788% | 2,260 |
| Noninterest expense to average assets | 1.9816% | 4,196 |
| Loan and lease loss provision to assets | 0.1299% | 2,723 |
| Net operating income to assets | 1.0128% | 2,290 |
| Return on assets (ROA) | 1.0209% | 2,384 |
| Pretax return on assets | 1.3952% | 1,756 |
| Return on Equity (ROE) | 7.9245% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.9245% | 1,328 |
| Net charge-offs to loans | -0.0003% | 3,767 |
| Credit loss provision to net charge-offs | -60,500.0000% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6755% | 3,836 |
| Assets per employee ($millions) | 12.0943% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 4,129 |
| Loan loss allowance to noncurrent loans | 169.0861% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 2,475 |
| Noncurrent loans to loans | 0.5209% | 2,494 |
| Net loans and leases to total assets | 80.4590% | 568 |
| Net loans and leases to deposits | 99.1172% | 570 |
| Net loans and leases to core deposits | 107.6929% | 779 |
| Total domestic deposits to total assets | 81.1756% | 3,616 |
| Equity capital to assets | 13.0414% | 1,165 |
| Core capital (leverage) ratio | 13.6649% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,247,000 | 1,286 |
| Average earning assets | $585,485,000 | 1,269 |
| Average equity | $80,036,500 | 1,149 |
| Average total loans | $502,150,500 | 1,121 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,772 |
| Cost of funding earning assets | 1.1131% | 689 |
| Net interest margin | 3.0844% | 3,932 |
| Noninterest income to average assets | 0.5227% | 2,476 |
| Noninterest expense to average assets | 1.9764% | 4,278 |
| Loan and lease loss provision to assets | 0.1710% | 2,295 |
| Net operating income to assets | 0.9320% | 2,572 |
| Return on assets (ROA) | 0.9320% | 2,704 |
| Pretax return on assets | 1.2801% | 2,100 |
| Return on Equity (ROE) | 7.2642% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.2642% | 1,550 |
| Net charge-offs to loans | -0.0004% | 3,719 |
| Credit loss provision to net charge-offs | -52,900.0000% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6629% | 3,736 |
| Assets per employee ($millions) | 12.3237% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 4,109 |
| Loan loss allowance to noncurrent loans | 293.4927% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 3,361 |
| Noncurrent loans to loans | 0.2980% | 3,317 |
| Net loans and leases to total assets | 79.7010% | 625 |
| Net loans and leases to deposits | 97.8184% | 667 |
| Net loans and leases to core deposits | 107.8982% | 824 |
| Total domestic deposits to total assets | 81.4785% | 3,504 |
| Equity capital to assets | 12.7635% | 1,249 |
| Core capital (leverage) ratio | 13.0935% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,695,000 | 1,266 |
| Average earning assets | $582,672,667 | 1,251 |
| Average equity | $79,376,000 | 1,149 |
| Average total loans | $499,365,667 | 1,118 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,893 |
| Cost of funding earning assets | 1.2318% | 692 |
| Net interest margin | 3.0798% | 4,134 |
| Noninterest income to average assets | 0.5552% | 2,253 |
| Noninterest expense to average assets | 2.0633% | 4,288 |
| Loan and lease loss provision to assets | 0.2665% | 1,169 |
| Net operating income to assets | 0.8244% | 2,812 |
| Return on assets (ROA) | 0.8244% | 2,897 |
| Pretax return on assets | 1.1274% | 2,430 |
| Return on Equity (ROE) | 6.4088% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.4088% | 1,745 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6795% | 3,785 |
| Assets per employee ($millions) | 12.2846% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 4,234 |
| Loan loss allowance to noncurrent loans | 1,283.5821% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,328 |
| Noncurrent loans to loans | 0.0673% | 4,266 |
| Net loans and leases to total assets | 77.2159% | 1,097 |
| Net loans and leases to deposits | 93.8100% | 1,096 |
| Net loans and leases to core deposits | 107.1928% | 987 |
| Total domestic deposits to total assets | 82.3110% | 3,329 |
| Equity capital to assets | 12.4808% | 1,747 |
| Core capital (leverage) ratio | 13.4104% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $613,788,000 | 1,245 |
| Average earning assets | $578,348,000 | 1,226 |
| Average equity | $78,954,000 | 1,151 |
| Average total loans | $496,374,500 | 1,103 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 2,724 |
| Cost of funding earning assets | 1.2431% | 914 |
| Net interest margin | 3.3229% | 3,937 |
| Noninterest income to average assets | 0.3702% | 3,486 |
| Noninterest expense to average assets | 2.2857% | 3,975 |
| Loan and lease loss provision to assets | 0.1049% | 1,971 |
| Net operating income to assets | 0.8183% | 3,497 |
| Return on assets (ROA) | 0.8183% | 3,588 |
| Pretax return on assets | 1.0989% | 3,169 |
| Return on Equity (ROE) | 5.9941% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.9941% | 1,873 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5009% | 2,841 |
| Assets per employee ($millions) | 11.3227% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,348 |
| Loan loss allowance to noncurrent loans | 1,147.7876% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,337 |
| Noncurrent loans to loans | 0.0685% | 4,264 |
| Net loans and leases to total assets | 83.4447% | 375 |
| Net loans and leases to deposits | 102.3207% | 456 |
| Net loans and leases to core deposits | 122.5964% | 412 |
| Total domestic deposits to total assets | 81.5522% | 3,631 |
| Equity capital to assets | 13.2785% | 1,376 |
| Core capital (leverage) ratio | 13.7365% | 994 |
| Tier 1 risk-based capital ratio | 18.8388% | 1,559 |
| Total risk-based capital ratio | 19.7743% | 1,596 |
| Memoranda: | ||
| Average total assets | $561,268,800 | 1,288 |
| Average earning assets | $526,897,000 | 1,274 |
| Average equity | $76,625,800 | 1,123 |
| Average total loans | $471,395,800 | 1,130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 2,809 |
| Cost of funding earning assets | 1.2279% | 956 |
| Net interest margin | 3.3470% | 3,996 |
| Noninterest income to average assets | 0.3711% | 3,495 |
| Noninterest expense to average assets | 2.2640% | 4,037 |
| Loan and lease loss provision to assets | 0.0924% | 2,063 |
| Net operating income to assets | 0.8586% | 3,488 |
| Return on assets (ROA) | 0.8586% | 3,564 |
| Pretax return on assets | 1.1554% | 3,117 |
| Return on Equity (ROE) | 6.2435% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.2435% | 2,251 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4706% | 2,939 |
| Assets per employee ($millions) | 10.7848% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,498 |
| Loan loss allowance to noncurrent loans | 1,325.5396% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,473 |
| Noncurrent loans to loans | 0.0579% | 4,376 |
| Net loans and leases to total assets | 83.3198% | 415 |
| Net loans and leases to deposits | 102.9033% | 453 |
| Net loans and leases to core deposits | 121.4294% | 488 |
| Total domestic deposits to total assets | 80.9690% | 3,768 |
| Equity capital to assets | 13.5104% | 1,356 |
| Core capital (leverage) ratio | 13.9914% | 984 |
| Tier 1 risk-based capital ratio | 18.9574% | 1,574 |
| Total risk-based capital ratio | 19.8614% | 1,628 |
| Memoranda: | ||
| Average total assets | $554,391,250 | 1,303 |
| Average earning assets | $520,206,500 | 1,292 |
| Average equity | $76,237,000 | 1,126 |
| Average total loans | $465,445,750 | 1,143 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,895 |
| Cost of funding earning assets | 1.1966% | 1,012 |
| Net interest margin | 3.3390% | 4,049 |
| Noninterest income to average assets | 0.2960% | 3,959 |
| Noninterest expense to average assets | 2.2302% | 4,169 |
| Loan and lease loss provision to assets | 0.0809% | 2,217 |
| Net operating income to assets | 0.8402% | 3,509 |
| Return on assets (ROA) | 0.8402% | 3,567 |
| Pretax return on assets | 1.1238% | 3,164 |
| Return on Equity (ROE) | 6.0732% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.0732% | 2,247 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9262% | 2,988 |
| Assets per employee ($millions) | 10.7441% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 4,604 |
| Loan loss allowance to noncurrent loans | 1,979.2135% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,611 |
| Noncurrent loans to loans | 0.0379% | 4,520 |
| Net loans and leases to total assets | 83.5177% | 410 |
| Net loans and leases to deposits | 102.7153% | 494 |
| Net loans and leases to core deposits | 119.9367% | 553 |
| Total domestic deposits to total assets | 81.3098% | 3,719 |
| Equity capital to assets | 13.8811% | 1,169 |
| Core capital (leverage) ratio | 13.9436% | 983 |
| Tier 1 risk-based capital ratio | 19.0061% | 1,555 |
| Total risk-based capital ratio | 19.8864% | 1,595 |
| Memoranda: | ||
| Average total assets | $548,656,670 | 1,316 |
| Average earning assets | $515,785,000 | 1,303 |
| Average equity | $75,907,670 | 1,130 |
| Average total loans | $460,615,330 | 1,146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 2,949 |
| Cost of funding earning assets | 1.1560% | 1,027 |
| Net interest margin | 3.3216% | 4,112 |
| Noninterest income to average assets | 0.2774% | 4,027 |
| Noninterest expense to average assets | 2.1948% | 4,267 |
| Loan and lease loss provision to assets | 0.1413% | 1,210 |
| Net operating income to assets | 0.7924% | 3,649 |
| Return on assets (ROA) | 0.7924% | 3,697 |
| Pretax return on assets | 1.0617% | 3,264 |
| Return on Equity (ROE) | 5.7375% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.7375% | 2,573 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5951% | 3,146 |
| Assets per employee ($millions) | 10.2040% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,661 |
| Loan loss allowance to noncurrent loans | 3,493.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,772 |
| Noncurrent loans to loans | 0.0215% | 4,685 |
| Net loans and leases to total assets | 83.8959% | 384 |
| Net loans and leases to deposits | 102.8995% | 455 |
| Net loans and leases to core deposits | 121.8197% | 487 |
| Total domestic deposits to total assets | 81.5319% | 3,848 |
| Equity capital to assets | 13.7535% | 1,120 |
| Core capital (leverage) ratio | 14.0216% | 945 |
| Tier 1 risk-based capital ratio | 18.5450% | 1,647 |
| Total risk-based capital ratio | 19.4069% | 1,709 |
| Memoranda: | ||
| Average total assets | $543,637,500 | 1,329 |
| Average earning assets | $510,721,500 | 1,313 |
| Average equity | $75,085,000 | 1,135 |
| Average total loans | $455,857,000 | 1,160 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 3,281 |
| Cost of funding earning assets | 0.9395% | 969 |
| Net interest margin | 3.3089% | 4,231 |
| Noninterest income to average assets | 0.3196% | 3,971 |
| Noninterest expense to average assets | 2.1791% | 4,388 |
| Loan and lease loss provision to assets | 0.0241% | 3,688 |
| Net operating income to assets | 0.8072% | 3,778 |
| Return on assets (ROA) | 1.1295% | 2,477 |
| Pretax return on assets | 1.6173% | 1,414 |
| Return on Equity (ROE) | 7.9999% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.9999% | 1,235 |
| Net charge-offs to loans | -0.0105% | 4,504 |
| Credit loss provision to net charge-offs | -279.5455% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8552% | 3,210 |
| Assets per employee ($millions) | 10.3127% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 4,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.5422% | 584 |
| Net loans and leases to deposits | 104.2251% | 468 |
| Net loans and leases to core deposits | 118.3998% | 605 |
| Total domestic deposits to total assets | 79.1961% | 4,268 |
| Equity capital to assets | 13.8713% | 1,012 |
| Core capital (leverage) ratio | 14.3484% | 832 |
| Tier 1 risk-based capital ratio | 19.0800% | 1,507 |
| Total risk-based capital ratio | 19.9308% | 1,535 |
| Memoranda: | ||
| Average total assets | $510,032,800 | 1,383 |
| Average earning assets | $476,745,600 | 1,369 |
| Average equity | $72,013,400 | 1,133 |
| Average total loans | $420,551,000 | 1,204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 3,307 |
| Cost of funding earning assets | 0.8955% | 943 |
| Net interest margin | 3.3085% | 4,254 |
| Noninterest income to average assets | 0.3175% | 4,025 |
| Noninterest expense to average assets | 2.1697% | 4,390 |
| Loan and lease loss provision to assets | 0.0326% | 3,369 |
| Net operating income to assets | 0.7815% | 3,967 |
| Return on assets (ROA) | 1.2168% | 2,171 |
| Pretax return on assets | 1.7560% | 1,123 |
| Return on Equity (ROE) | 8.5781% | 3,301 |
| Retained earnings to average equity (ytd only) | 8.5781% | 1,383 |
| Net charge-offs to loans | -0.0142% | 4,493 |
| Credit loss provision to net charge-offs | -279.5455% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6795% | 3,241 |
| Assets per employee ($millions) | 9.6458% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.5012% | 795 |
| Net loans and leases to deposits | 100.8795% | 710 |
| Net loans and leases to core deposits | 113.1318% | 861 |
| Total domestic deposits to total assets | 80.7907% | 3,924 |
| Equity capital to assets | 13.9973% | 960 |
| Core capital (leverage) ratio | 14.5245% | 815 |
| Tier 1 risk-based capital ratio | 19.5198% | 1,434 |
| Total risk-based capital ratio | 20.4039% | 1,473 |
| Memoranda: | ||
| Average total assets | $503,476,250 | 1,405 |
| Average earning assets | $470,173,250 | 1,388 |
| Average equity | $71,420,250 | 1,139 |
| Average total loans | $414,203,500 | 1,220 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 3,279 |
| Cost of funding earning assets | 0.8493% | 923 |
| Net interest margin | 3.3009% | 4,245 |
| Noninterest income to average assets | 0.3323% | 3,959 |
| Noninterest expense to average assets | 2.1954% | 4,380 |
| Loan and lease loss provision to assets | 0.0346% | 3,223 |
| Net operating income to assets | 0.7370% | 4,078 |
| Return on assets (ROA) | 1.1240% | 2,507 |
| Pretax return on assets | 1.6738% | 1,288 |
| Return on Equity (ROE) | 7.8873% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.8873% | 1,672 |
| Net charge-offs to loans | -0.0215% | 4,596 |
| Credit loss provision to net charge-offs | -195.4545% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3084% | 3,276 |
| Assets per employee ($millions) | 9.6139% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.8323% | 724 |
| Net loans and leases to deposits | 100.8855% | 749 |
| Net loans and leases to core deposits | 112.9497% | 842 |
| Total domestic deposits to total assets | 81.1140% | 3,963 |
| Equity capital to assets | 14.0887% | 908 |
| Core capital (leverage) ratio | 14.5257% | 776 |
| Tier 1 risk-based capital ratio | 19.0568% | 1,539 |
| Total risk-based capital ratio | 20.0190% | 1,564 |
| Memoranda: | ||
| Average total assets | $497,677,670 | 1,421 |
| Average earning assets | $464,594,000 | 1,407 |
| Average equity | $70,924,330 | 1,147 |
| Average total loans | $409,665,330 | 1,234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,198 |
| Cost of funding earning assets | 0.8169% | 891 |
| Net interest margin | 3.2945% | 4,204 |
| Noninterest income to average assets | 0.3172% | 4,032 |
| Noninterest expense to average assets | 2.2361% | 4,337 |
| Loan and lease loss provision to assets | 0.0309% | 3,100 |
| Net operating income to assets | 0.6493% | 4,280 |
| Return on assets (ROA) | 0.8549% | 3,493 |
| Pretax return on assets | 1.3910% | 2,041 |
| Return on Equity (ROE) | 5.9637% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.9637% | 2,724 |
| Net charge-offs to loans | -0.0425% | 4,899 |
| Credit loss provision to net charge-offs | -88.3721% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8128% | 3,203 |
| Assets per employee ($millions) | 10.1654% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 4,828 |
| Loan loss allowance to noncurrent loans | 2,434.8485% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,983 |
| Noncurrent loans to loans | 0.0322% | 4,834 |
| Net loans and leases to total assets | 81.7406% | 694 |
| Net loans and leases to deposits | 99.7477% | 728 |
| Net loans and leases to core deposits | 112.1532% | 883 |
| Total domestic deposits to total assets | 81.9473% | 3,982 |
| Equity capital to assets | 14.1808% | 842 |
| Core capital (leverage) ratio | 14.3916% | 791 |
| Tier 1 risk-based capital ratio | 18.8600% | 1,589 |
| Total risk-based capital ratio | 19.9165% | 1,602 |
| Memoranda: | ||
| Average total assets | $491,749,000 | 1,443 |
| Average earning assets | $459,799,500 | 1,432 |
| Average equity | $70,493,000 | 1,166 |
| Average total loans | $404,384,500 | 1,250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,527 |
| Cost of funding earning assets | 0.7590% | 792 |
| Net interest margin | 3.2018% | 4,444 |
| Noninterest income to average assets | 0.3543% | 3,930 |
| Noninterest expense to average assets | 2.2645% | 4,414 |
| Loan and lease loss provision to assets | 0.0627% | 2,977 |
| Net operating income to assets | 0.6850% | 3,660 |
| Return on assets (ROA) | 0.7462% | 3,445 |
| Pretax return on assets | 1.1092% | 3,150 |
| Return on Equity (ROE) | 5.2199% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.2199% | 1,988 |
| Net charge-offs to loans | 0.0008% | 4,106 |
| Credit loss provision to net charge-offs | 10,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,723.3333% | 38 |
| Efficiency ratio | 67.6956% | 2,951 |
| Assets per employee ($millions) | 9.7079% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,865 |
| Loan loss allowance to noncurrent loans | 7,835.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,132 |
| Noncurrent loans to loans | 0.0100% | 4,995 |
| Net loans and leases to total assets | 81.4324% | 754 |
| Net loans and leases to deposits | 99.9110% | 737 |
| Net loans and leases to core deposits | 111.4766% | 924 |
| Total domestic deposits to total assets | 81.5049% | 3,997 |
| Equity capital to assets | 14.4936% | 783 |
| Core capital (leverage) ratio | 14.4860% | 737 |
| Tier 1 risk-based capital ratio | 19.0874% | 1,491 |
| Total risk-based capital ratio | 20.1885% | 1,478 |
| Memoranda: | ||
| Average total assets | $478,432,200 | 1,454 |
| Average earning assets | $446,902,000 | 1,441 |
| Average equity | $68,391,800 | 1,167 |
| Average total loans | $380,514,600 | 1,285 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 3,764 |
| Cost of funding earning assets | 0.7547% | 739 |
| Net interest margin | 3.1166% | 4,669 |
| Noninterest income to average assets | 0.3499% | 4,032 |
| Noninterest expense to average assets | 2.2549% | 4,407 |
| Loan and lease loss provision to assets | 0.0629% | 2,810 |
| Net operating income to assets | 0.6020% | 4,385 |
| Return on assets (ROA) | 0.6802% | 4,139 |
| Pretax return on assets | 1.0651% | 3,440 |
| Return on Equity (ROE) | 4.7754% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.7754% | 3,033 |
| Net charge-offs to loans | -0.0004% | 4,248 |
| Credit loss provision to net charge-offs | -22,500.0000% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1542% | 2,680 |
| Assets per employee ($millions) | 9.4646% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,953 |
| Loan loss allowance to noncurrent loans | 11,344.4444% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,240 |
| Noncurrent loans to loans | 0.0069% | 5,115 |
| Net loans and leases to total assets | 80.7726% | 875 |
| Net loans and leases to deposits | 97.9665% | 921 |
| Net loans and leases to core deposits | 109.3254% | 1,068 |
| Total domestic deposits to total assets | 82.4492% | 3,642 |
| Equity capital to assets | 14.3409% | 896 |
| Core capital (leverage) ratio | 14.3674% | 800 |
| Tier 1 risk-based capital ratio | 19.0936% | 1,558 |
| Total risk-based capital ratio | 20.1547% | 1,575 |
| Memoranda: | ||
| Average total assets | $476,691,750 | 1,473 |
| Average earning assets | $445,220,500 | 1,460 |
| Average equity | $67,902,000 | 1,183 |
| Average total loans | $376,042,750 | 1,305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,848 |
| Cost of funding earning assets | 0.7526% | 676 |
| Net interest margin | 3.0603% | 4,770 |
| Noninterest income to average assets | 0.3316% | 4,170 |
| Noninterest expense to average assets | 2.3249% | 4,275 |
| Loan and lease loss provision to assets | 0.0632% | 2,707 |
| Net operating income to assets | 0.5200% | 4,653 |
| Return on assets (ROA) | 0.6455% | 4,153 |
| Pretax return on assets | 0.9943% | 3,589 |
| Return on Equity (ROE) | 4.5418% | 4,649 |
| Retained earnings to average equity (ytd only) | 4.5418% | 3,005 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8930% | 2,203 |
| Assets per employee ($millions) | 9.0068% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 4,999 |
| Loan loss allowance to noncurrent loans | 2,298.4615% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,161 |
| Noncurrent loans to loans | 0.0338% | 5,022 |
| Net loans and leases to total assets | 78.3816% | 1,183 |
| Net loans and leases to deposits | 93.1379% | 1,350 |
| Net loans and leases to core deposits | 101.6503% | 1,536 |
| Total domestic deposits to total assets | 84.1564% | 3,138 |
| Equity capital to assets | 14.0717% | 936 |
| Core capital (leverage) ratio | 14.1616% | 814 |
| Tier 1 risk-based capital ratio | 19.0859% | 1,581 |
| Total risk-based capital ratio | 20.0912% | 1,584 |
| Memoranda: | ||
| Average total assets | $474,690,330 | 1,483 |
| Average earning assets | $443,285,330 | 1,470 |
| Average equity | $67,461,670 | 1,186 |
| Average total loans | $370,407,330 | 1,321 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,031 |
| Cost of funding earning assets | 0.7410% | 690 |
| Net interest margin | 2.9834% | 4,921 |
| Noninterest income to average assets | 0.3361% | 4,157 |
| Noninterest expense to average assets | 2.2088% | 4,614 |
| Loan and lease loss provision to assets | 0.0640% | 2,520 |
| Net operating income to assets | 0.5477% | 4,390 |
| Return on assets (ROA) | 0.5477% | 4,433 |
| Pretax return on assets | 0.8455% | 3,951 |
| Return on Equity (ROE) | 3.8344% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.8344% | 3,540 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8345% | 2,770 |
| Assets per employee ($millions) | 8.9742% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 5,108 |
| Loan loss allowance to noncurrent loans | 1,282.8194% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,111 |
| Noncurrent loans to loans | 0.0610% | 4,957 |
| Net loans and leases to total assets | 77.6127% | 1,180 |
| Net loans and leases to deposits | 92.3832% | 1,284 |
| Net loans and leases to core deposits | 100.9282% | 1,445 |
| Total domestic deposits to total assets | 84.0117% | 3,475 |
| Equity capital to assets | 14.1808% | 851 |
| Core capital (leverage) ratio | 14.3759% | 748 |
| Tier 1 risk-based capital ratio | 19.2548% | 1,547 |
| Total risk-based capital ratio | 20.2684% | 1,571 |
| Memoranda: | ||
| Average total assets | $468,852,000 | 1,504 |
| Average earning assets | $437,221,500 | 1,501 |
| Average equity | $66,972,500 | 1,190 |
| Average total loans | $363,506,000 | 1,349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,054 |
| Cost of funding earning assets | 0.6974% | 814 |
| Net interest margin | 3.0516% | 4,847 |
| Noninterest income to average assets | 0.4419% | 3,603 |
| Noninterest expense to average assets | 2.3670% | 4,374 |
| Loan and lease loss provision to assets | 0.0408% | 3,566 |
| Net operating income to assets | 0.5655% | 4,363 |
| Return on assets (ROA) | 0.5669% | 4,464 |
| Pretax return on assets | 0.8718% | 3,938 |
| Return on Equity (ROE) | 3.8225% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.8225% | 3,201 |
| Net charge-offs to loans | -0.0003% | 4,627 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2172% | 2,560 |
| Assets per employee ($millions) | 8.8859% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 5,108 |
| Loan loss allowance to noncurrent loans | 1,238.8646% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,143 |
| Noncurrent loans to loans | 0.0645% | 4,982 |
| Net loans and leases to total assets | 76.2029% | 1,482 |
| Net loans and leases to deposits | 92.3100% | 1,406 |
| Net loans and leases to core deposits | 100.2997% | 1,594 |
| Total domestic deposits to total assets | 82.5511% | 3,919 |
| Equity capital to assets | 14.3909% | 768 |
| Core capital (leverage) ratio | 14.7991% | 633 |
| Tier 1 risk-based capital ratio | 19.5989% | 1,453 |
| Total risk-based capital ratio | 20.5563% | 1,482 |
| Memoranda: | ||
| Average total assets | $441,021,400 | 1,535 |
| Average earning assets | $409,815,600 | 1,535 |
| Average equity | $65,401,800 | 1,202 |
| Average total loans | $338,386,600 | 1,382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 4,135 |
| Cost of funding earning assets | 0.6959% | 831 |
| Net interest margin | 3.0370% | 4,932 |
| Noninterest income to average assets | 0.4247% | 3,733 |
| Noninterest expense to average assets | 2.3545% | 4,400 |
| Loan and lease loss provision to assets | 0.0413% | 3,409 |
| Net operating income to assets | 0.5542% | 4,481 |
| Return on assets (ROA) | 0.5560% | 4,581 |
| Pretax return on assets | 0.8530% | 4,145 |
| Return on Equity (ROE) | 3.7198% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7198% | 3,660 |
| Net charge-offs to loans | -0.0004% | 4,414 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5328% | 2,494 |
| Assets per employee ($millions) | 8.1827% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 5,157 |
| Loan loss allowance to noncurrent loans | 1,632.7485% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,326 |
| Noncurrent loans to loans | 0.0497% | 5,161 |
| Net loans and leases to total assets | 77.1735% | 1,328 |
| Net loans and leases to deposits | 91.7040% | 1,536 |
| Net loans and leases to core deposits | 99.2843% | 1,703 |
| Total domestic deposits to total assets | 84.1550% | 3,162 |
| Equity capital to assets | 15.0147% | 739 |
| Core capital (leverage) ratio | 14.8431% | 664 |
| Tier 1 risk-based capital ratio | 20.0428% | 1,439 |
| Total risk-based capital ratio | 21.0102% | 1,458 |
| Memoranda: | ||
| Average total assets | $435,759,500 | 1,553 |
| Average earning assets | $404,816,750 | 1,546 |
| Average equity | $65,128,250 | 1,212 |
| Average total loans | $334,246,500 | 1,398 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 4,309 |
| Cost of funding earning assets | 0.6844% | 865 |
| Net interest margin | 3.0138% | 5,047 |
| Noninterest income to average assets | 0.3924% | 3,927 |
| Noninterest expense to average assets | 2.3416% | 4,493 |
| Loan and lease loss provision to assets | 0.0415% | 3,320 |
| Net operating income to assets | 0.5281% | 4,569 |
| Return on assets (ROA) | 0.5308% | 4,677 |
| Pretax return on assets | 0.8116% | 4,239 |
| Return on Equity (ROE) | 3.5567% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.5567% | 3,629 |
| Net charge-offs to loans | -0.0006% | 4,304 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3921% | 2,453 |
| Assets per employee ($millions) | 8.2580% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 5,265 |
| Loan loss allowance to noncurrent loans | 1,597.0930% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 5,424 |
| Noncurrent loans to loans | 0.0506% | 5,261 |
| Net loans and leases to total assets | 75.6734% | 1,542 |
| Net loans and leases to deposits | 90.6376% | 1,680 |
| Net loans and leases to core deposits | 98.1416% | 1,796 |
| Total domestic deposits to total assets | 83.4901% | 3,469 |
| Equity capital to assets | 14.7123% | 811 |
| Core capital (leverage) ratio | 14.7612% | 653 |
| Tier 1 risk-based capital ratio | 19.9522% | 1,470 |
| Total risk-based capital ratio | 20.8700% | 1,499 |
| Memoranda: | ||
| Average total assets | $433,723,330 | 1,568 |
| Average earning assets | $402,675,000 | 1,563 |
| Average equity | $64,722,670 | 1,218 |
| Average total loans | $331,063,000 | 1,410 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,407 |
| Cost of funding earning assets | 0.6624% | 981 |
| Net interest margin | 3.0126% | 5,089 |
| Noninterest income to average assets | 0.3854% | 3,945 |
| Noninterest expense to average assets | 2.4555% | 4,210 |
| Loan and lease loss provision to assets | 0.0421% | 3,083 |
| Net operating income to assets | 0.4584% | 4,792 |
| Return on assets (ROA) | 0.4546% | 4,894 |
| Pretax return on assets | 0.6772% | 4,597 |
| Return on Equity (ROE) | 3.0242% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.0242% | 4,003 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2059% | 2,008 |
| Assets per employee ($millions) | 8.1935% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 5,358 |
| Loan loss allowance to noncurrent loans | 1,543.4286% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,468 |
| Noncurrent loans to loans | 0.0519% | 5,282 |
| Net loans and leases to total assets | 77.0509% | 1,241 |
| Net loans and leases to deposits | 92.4561% | 1,288 |
| Net loans and leases to core deposits | 99.1939% | 1,544 |
| Total domestic deposits to total assets | 83.3378% | 3,777 |
| Equity capital to assets | 14.9100% | 712 |
| Core capital (leverage) ratio | 15.0838% | 591 |
| Tier 1 risk-based capital ratio | 20.0536% | 1,487 |
| Total risk-based capital ratio | 20.9659% | 1,530 |
| Memoranda: | ||
| Average total assets | $427,619,000 | 1,583 |
| Average earning assets | $396,728,500 | 1,582 |
| Average equity | $64,280,500 | 1,221 |
| Average total loans | $326,495,000 | 1,417 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,610 |
| Cost of funding earning assets | 0.6496% | 1,073 |
| Net interest margin | 2.9739% | 5,197 |
| Noninterest income to average assets | 0.4328% | 3,799 |
| Noninterest expense to average assets | 2.3770% | 4,571 |
| Loan and lease loss provision to assets | 0.0292% | 3,788 |
| Net operating income to assets | 0.5075% | 4,661 |
| Return on assets (ROA) | 0.5588% | 4,557 |
| Pretax return on assets | 0.8516% | 4,014 |
| Return on Equity (ROE) | 3.6463% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.6463% | 3,455 |
| Net charge-offs to loans | 0.0246% | 3,757 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 45.7639% | 1,066 |
| Efficiency ratio | 74.7471% | 2,469 |
| Assets per employee ($millions) | 7.7960% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 5,294 |
| Loan loss allowance to noncurrent loans | 1,509.0909% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 5,516 |
| Noncurrent loans to loans | 0.0558% | 5,297 |
| Net loans and leases to total assets | 74.3582% | 1,667 |
| Net loans and leases to deposits | 89.6204% | 1,670 |
| Net loans and leases to core deposits | 95.9168% | 1,857 |
| Total domestic deposits to total assets | 82.9702% | 3,840 |
| Equity capital to assets | 15.1583% | 646 |
| Core capital (leverage) ratio | 15.0245% | 608 |
| Tier 1 risk-based capital ratio | 20.6819% | 1,353 |
| Total risk-based capital ratio | 21.5781% | 1,398 |
| Memoranda: | ||
| Average total assets | $410,309,800 | 1,607 |
| Average earning assets | $379,028,600 | 1,609 |
| Average equity | $62,885,000 | 1,201 |
| Average total loans | $293,275,400 | 1,488 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 4,838 |
| Cost of funding earning assets | 0.6396% | 1,150 |
| Net interest margin | 2.9238% | 5,365 |
| Noninterest income to average assets | 0.4236% | 3,914 |
| Noninterest expense to average assets | 2.4227% | 4,450 |
| Loan and lease loss provision to assets | 0.0245% | 3,781 |
| Net operating income to assets | 0.4486% | 4,976 |
| Return on assets (ROA) | 0.5132% | 4,830 |
| Pretax return on assets | 0.7729% | 4,414 |
| Return on Equity (ROE) | 3.3390% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.3390% | 4,097 |
| Net charge-offs to loans | 0.0334% | 3,250 |
| Credit loss provision to net charge-offs | 104.1667% | 2,195 |
| Earnings coverage of net charge-offs (x) | 29.7076% | 1,506 |
| Efficiency ratio | 77.5927% | 2,006 |
| Assets per employee ($millions) | 7.5959% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 5,388 |
| Loan loss allowance to noncurrent loans | 1,475.1412% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,610 |
| Noncurrent loans to loans | 0.0573% | 5,388 |
| Net loans and leases to total assets | 73.2953% | 1,853 |
| Net loans and leases to deposits | 89.5333% | 1,707 |
| Net loans and leases to core deposits | 95.9121% | 1,892 |
| Total domestic deposits to total assets | 81.8637% | 4,208 |
| Equity capital to assets | 15.1385% | 707 |
| Core capital (leverage) ratio | 14.8226% | 671 |
| Tier 1 risk-based capital ratio | 20.6311% | 1,417 |
| Total risk-based capital ratio | 21.5267% | 1,454 |
| Memoranda: | ||
| Average total assets | $407,641,000 | 1,630 |
| Average earning assets | $376,258,250 | 1,629 |
| Average equity | $62,652,750 | 1,210 |
| Average total loans | $287,671,000 | 1,520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,901 |
| Cost of funding earning assets | 0.6286% | 1,239 |
| Net interest margin | 2.9045% | 5,437 |
| Noninterest income to average assets | 0.4274% | 3,870 |
| Noninterest expense to average assets | 2.3767% | 4,630 |
| Loan and lease loss provision to assets | 0.0148% | 3,825 |
| Net operating income to assets | 0.4750% | 4,869 |
| Return on assets (ROA) | 0.4952% | 4,892 |
| Pretax return on assets | 0.7431% | 4,516 |
| Return on Equity (ROE) | 3.2055% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.2055% | 4,006 |
| Net charge-offs to loans | 0.0485% | 2,740 |
| Credit loss provision to net charge-offs | 44.1176% | 2,765 |
| Earnings coverage of net charge-offs (x) | 21.6324% | 1,665 |
| Efficiency ratio | 76.5578% | 2,275 |
| Assets per employee ($millions) | 7.1980% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 5,409 |
| Loan loss allowance to noncurrent loans | 1,435.7542% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,686 |
| Noncurrent loans to loans | 0.0604% | 5,489 |
| Net loans and leases to total assets | 71.5673% | 2,060 |
| Net loans and leases to deposits | 87.6358% | 1,880 |
| Net loans and leases to core deposits | 93.1869% | 2,042 |
| Total domestic deposits to total assets | 81.6644% | 4,400 |
| Equity capital to assets | 15.3369% | 640 |
| Core capital (leverage) ratio | 15.2309% | 585 |
| Tier 1 risk-based capital ratio | 21.8262% | 1,229 |
| Total risk-based capital ratio | 22.8297% | 1,253 |
| Memoranda: | ||
| Average total assets | $404,262,670 | 1,653 |
| Average earning assets | $372,599,000 | 1,648 |
| Average equity | $62,455,330 | 1,220 |
| Average total loans | $280,621,000 | 1,559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 4,955 |
| Cost of funding earning assets | 0.6379% | 1,190 |
| Net interest margin | 2.8653% | 5,520 |
| Noninterest income to average assets | 0.4237% | 3,818 |
| Noninterest expense to average assets | 2.4344% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4277% | 4,959 |
| Return on assets (ROA) | 0.4277% | 5,084 |
| Pretax return on assets | 0.6310% | 4,831 |
| Return on Equity (ROE) | 2.7579% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.7579% | 4,298 |
| Net charge-offs to loans | 0.1012% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.1739% | 2,022 |
| Efficiency ratio | 79.4146% | 1,968 |
| Assets per employee ($millions) | 7.3433% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 5,365 |
| Loan loss allowance to noncurrent loans | 1,410.5556% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,759 |
| Noncurrent loans to loans | 0.0654% | 5,511 |
| Net loans and leases to total assets | 67.5295% | 2,526 |
| Net loans and leases to deposits | 82.8745% | 2,226 |
| Net loans and leases to core deposits | 88.2371% | 2,304 |
| Total domestic deposits to total assets | 81.4840% | 4,676 |
| Equity capital to assets | 15.5352% | 615 |
| Core capital (leverage) ratio | 15.2329% | 576 |
| Tier 1 risk-based capital ratio | 21.6551% | 1,291 |
| Total risk-based capital ratio | 22.6418% | 1,321 |
| Memoranda: | ||
| Average total assets | $401,252,000 | 1,671 |
| Average earning assets | $369,938,500 | 1,671 |
| Average equity | $62,220,500 | 1,230 |
| Average total loans | $272,832,000 | 1,606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,913 |
| Cost of funding earning assets | 0.6191% | 1,612 |
| Net interest margin | 3.0385% | 5,349 |
| Noninterest income to average assets | 0.4376% | 3,919 |
| Noninterest expense to average assets | 2.4660% | 4,649 |
| Loan and lease loss provision to assets | 0.0235% | 4,135 |
| Net operating income to assets | 0.4875% | 4,860 |
| Return on assets (ROA) | 0.4875% | 4,944 |
| Pretax return on assets | 0.7269% | 4,523 |
| Return on Equity (ROE) | 3.0921% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.0921% | 4,040 |
| Net charge-offs to loans | -0.0012% | 5,349 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6680% | 2,417 |
| Assets per employee ($millions) | 7.3819% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 5,221 |
| Loan loss allowance to noncurrent loans | 1,425.1366% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,851 |
| Noncurrent loans to loans | 0.0677% | 5,611 |
| Net loans and leases to total assets | 67.1758% | 2,698 |
| Net loans and leases to deposits | 82.5150% | 2,404 |
| Net loans and leases to core deposits | 87.7799% | 2,523 |
| Total domestic deposits to total assets | 81.4104% | 4,624 |
| Equity capital to assets | 15.4776% | 613 |
| Core capital (leverage) ratio | 15.2081% | 574 |
| Tier 1 risk-based capital ratio | 22.0368% | 1,219 |
| Total risk-based capital ratio | 23.0532% | 1,229 |
| Memoranda: | ||
| Average total assets | $382,559,400 | 1,715 |
| Average earning assets | $349,872,600 | 1,705 |
| Average equity | $60,314,400 | 1,216 |
| Average total loans | $257,310,600 | 1,650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 5,100 |
| Cost of funding earning assets | 0.5987% | 1,842 |
| Net interest margin | 3.0192% | 5,464 |
| Noninterest income to average assets | 0.4431% | 3,937 |
| Noninterest expense to average assets | 2.4941% | 4,551 |
| Loan and lease loss provision to assets | 0.0317% | 3,778 |
| Net operating income to assets | 0.4551% | 5,056 |
| Return on assets (ROA) | 0.4551% | 5,139 |
| Pretax return on assets | 0.6738% | 4,788 |
| Return on Equity (ROE) | 2.8725% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.8725% | 4,555 |
| Net charge-offs to loans | -0.0016% | 5,176 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9502% | 2,186 |
| Assets per employee ($millions) | 7.3029% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 5,276 |
| Loan loss allowance to noncurrent loans | 1,417.3913% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 5,973 |
| Noncurrent loans to loans | 0.0695% | 5,742 |
| Net loans and leases to total assets | 66.5037% | 2,772 |
| Net loans and leases to deposits | 81.6210% | 2,472 |
| Net loans and leases to core deposits | 86.5934% | 2,600 |
| Total domestic deposits to total assets | 81.4787% | 4,672 |
| Equity capital to assets | 15.4231% | 647 |
| Core capital (leverage) ratio | 15.4048% | 559 |
| Tier 1 risk-based capital ratio | 22.1611% | 1,243 |
| Total risk-based capital ratio | 23.2087% | 1,248 |
| Memoranda: | ||
| Average total assets | $378,544,000 | 1,743 |
| Average earning assets | $345,602,500 | 1,742 |
| Average equity | $59,968,750 | 1,226 |
| Average total loans | $254,042,000 | 1,673 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 5,061 |
| Cost of funding earning assets | 0.5840% | 2,035 |
| Net interest margin | 3.0482% | 5,400 |
| Noninterest income to average assets | 0.4324% | 4,006 |
| Noninterest expense to average assets | 2.4984% | 4,580 |
| Loan and lease loss provision to assets | 0.0482% | 3,343 |
| Net operating income to assets | 0.4485% | 5,021 |
| Return on assets (ROA) | 0.4485% | 5,099 |
| Pretax return on assets | 0.6628% | 4,758 |
| Return on Equity (ROE) | 2.8048% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.8048% | 4,417 |
| Net charge-offs to loans | -0.0016% | 5,048 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8464% | 2,313 |
| Assets per employee ($millions) | 6.9230% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,197 |
| Loan loss allowance to noncurrent loans | 1,401.6129% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,045 |
| Noncurrent loans to loans | 0.0737% | 5,804 |
| Net loans and leases to total assets | 65.6303% | 2,815 |
| Net loans and leases to deposits | 79.7688% | 2,545 |
| Net loans and leases to core deposits | 84.0632% | 2,730 |
| Total domestic deposits to total assets | 82.2757% | 4,555 |
| Equity capital to assets | 15.9342% | 566 |
| Core capital (leverage) ratio | 15.5874% | 531 |
| Tier 1 risk-based capital ratio | 22.4285% | 1,198 |
| Total risk-based capital ratio | 23.5346% | 1,202 |
| Memoranda: | ||
| Average total assets | $373,273,000 | 1,756 |
| Average earning assets | $340,072,670 | 1,767 |
| Average equity | $59,684,330 | 1,225 |
| Average total loans | $250,432,670 | 1,694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 5,060 |
| Cost of funding earning assets | 0.5570% | 2,373 |
| Net interest margin | 3.0755% | 5,322 |
| Noninterest income to average assets | 0.4189% | 4,042 |
| Noninterest expense to average assets | 2.6250% | 4,197 |
| Loan and lease loss provision to assets | 0.0974% | 2,298 |
| Net operating income to assets | 0.2825% | 5,560 |
| Return on assets (ROA) | 0.2825% | 5,601 |
| Pretax return on assets | 0.4936% | 5,190 |
| Return on Equity (ROE) | 1.7638% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.7638% | 4,898 |
| Net charge-offs to loans | -0.0016% | 4,685 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6223% | 1,975 |
| Assets per employee ($millions) | 6.8398% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,298 |
| Loan loss allowance to noncurrent loans | 256.7488% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 5,361 |
| Noncurrent loans to loans | 0.4107% | 4,901 |
| Net loans and leases to total assets | 65.0024% | 2,726 |
| Net loans and leases to deposits | 78.9659% | 2,431 |
| Net loans and leases to core deposits | 83.3556% | 2,589 |
| Total domestic deposits to total assets | 82.3171% | 4,846 |
| Equity capital to assets | 15.8170% | 548 |
| Core capital (leverage) ratio | 15.7011% | 513 |
| Tier 1 risk-based capital ratio | 22.5429% | 1,200 |
| Total risk-based capital ratio | 23.6406% | 1,211 |
| Memoranda: | ||
| Average total assets | $369,526,500 | 1,779 |
| Average earning assets | $336,070,000 | 1,799 |
| Average equity | $59,190,500 | 1,234 |
| Average total loans | $249,396,500 | 1,699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 5,301 |
| Cost of funding earning assets | 0.6310% | 2,377 |
| Net interest margin | 3.0102% | 5,558 |
| Noninterest income to average assets | 0.5592% | 3,339 |
| Noninterest expense to average assets | 2.7517% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3280% | 5,422 |
| Return on assets (ROA) | 0.3280% | 5,531 |
| Pretax return on assets | 0.4930% | 5,222 |
| Return on Equity (ROE) | 2.0718% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.0718% | 4,763 |
| Net charge-offs to loans | 0.2392% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.9918% | 3,998 |
| Efficiency ratio | 84.8056% | 1,538 |
| Assets per employee ($millions) | 6.7197% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,569 |
| Loan loss allowance to noncurrent loans | 153.9168% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 4,891 |
| Noncurrent loans to loans | 0.6493% | 4,347 |
| Net loans and leases to total assets | 68.6593% | 2,230 |
| Net loans and leases to deposits | 82.8021% | 2,092 |
| Net loans and leases to core deposits | 87.6050% | 2,279 |
| Total domestic deposits to total assets | 82.9198% | 4,569 |
| Equity capital to assets | 16.2262% | 498 |
| Core capital (leverage) ratio | 15.7487% | 500 |
| Tier 1 risk-based capital ratio | 22.6435% | 1,154 |
| Total risk-based capital ratio | 23.6964% | 1,163 |
| Memoranda: | ||
| Average total assets | $370,172,000 | 1,765 |
| Average earning assets | $330,244,800 | 1,799 |
| Average equity | $58,595,800 | 1,229 |
| Average total loans | $254,993,800 | 1,631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 5,512 |
| Cost of funding earning assets | 0.6483% | 2,373 |
| Net interest margin | 2.9274% | 5,750 |
| Noninterest income to average assets | 0.5856% | 3,241 |
| Noninterest expense to average assets | 2.9505% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1939% | 5,927 |
| Return on assets (ROA) | 0.1939% | 6,004 |
| Pretax return on assets | 0.2344% | 5,989 |
| Return on Equity (ROE) | 1.2325% | 6,135 |
| Retained earnings to average equity (ytd only) | 1.2325% | 5,487 |
| Net charge-offs to loans | 0.1110% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0705% | 3,813 |
| Efficiency ratio | 92.6401% | 813 |
| Assets per employee ($millions) | 6.4840% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 4,996 |
| Loan loss allowance to noncurrent loans | 116.3404% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0975% | 1,906 |
| Noncurrent loans to loans | 1.0085% | 3,789 |
| Net loans and leases to total assets | 67.5513% | 2,360 |
| Net loans and leases to deposits | 81.3528% | 2,221 |
| Net loans and leases to core deposits | 86.0524% | 2,403 |
| Total domestic deposits to total assets | 83.0349% | 4,561 |
| Equity capital to assets | 16.1424% | 531 |
| Core capital (leverage) ratio | 15.4344% | 575 |
| Tier 1 risk-based capital ratio | 23.2997% | 1,095 |
| Total risk-based capital ratio | 24.5399% | 1,079 |
| Memoranda: | ||
| Average total assets | $371,999,000 | 1,766 |
| Average earning assets | $330,299,750 | 1,812 |
| Average equity | $58,525,000 | 1,239 |
| Average total loans | $255,828,500 | 1,624 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 5,644 |
| Cost of funding earning assets | 0.6719% | 2,296 |
| Net interest margin | 2.8526% | 5,889 |
| Noninterest income to average assets | 0.6011% | 3,181 |
| Noninterest expense to average assets | 2.6387% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3510% | 5,401 |
| Return on assets (ROA) | 0.3510% | 5,578 |
| Pretax return on assets | 0.4918% | 5,407 |
| Return on Equity (ROE) | 2.2498% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.2498% | 4,846 |
| Net charge-offs to loans | -0.1208% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2903% | 1,595 |
| Assets per employee ($millions) | 6.8145% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,532 |
| Loan loss allowance to noncurrent loans | 83.6137% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.5843% | 1,625 |
| Noncurrent loans to loans | 1.5494% | 2,982 |
| Net loans and leases to total assets | 66.6978% | 2,465 |
| Net loans and leases to deposits | 79.8523% | 2,340 |
| Net loans and leases to core deposits | 85.1947% | 2,412 |
| Total domestic deposits to total assets | 83.5265% | 4,505 |
| Equity capital to assets | 15.6862% | 582 |
| Core capital (leverage) ratio | 15.2669% | 569 |
| Tier 1 risk-based capital ratio | 23.4848% | 1,063 |
| Total risk-based capital ratio | 24.7365% | 1,045 |
| Memoranda: | ||
| Average total assets | $374,963,670 | 1,753 |
| Average earning assets | $332,473,670 | 1,803 |
| Average equity | $58,495,330 | 1,236 |
| Average total loans | $258,373,330 | 1,608 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 5,529 |
| Cost of funding earning assets | 0.7118% | 2,118 |
| Net interest margin | 2.8592% | 5,892 |
| Noninterest income to average assets | 0.6634% | 2,800 |
| Noninterest expense to average assets | 2.6887% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3541% | 5,332 |
| Return on assets (ROA) | 0.3541% | 5,472 |
| Pretax return on assets | 0.4981% | 5,265 |
| Return on Equity (ROE) | 2.2760% | 5,852 |
| Retained earnings to average equity (ytd only) | 2.2760% | 4,881 |
| Net charge-offs to loans | -0.0383% | 6,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3708% | 1,715 |
| Assets per employee ($millions) | 6.6611% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 5,113 |
| Loan loss allowance to noncurrent loans | 94.7084% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 3.4135% | 1,265 |
| Noncurrent loans to loans | 1.2838% | 3,632 |
| Net loans and leases to total assets | 68.6105% | 1,905 |
| Net loans and leases to deposits | 82.2684% | 1,787 |
| Net loans and leases to core deposits | 88.2872% | 1,874 |
| Total domestic deposits to total assets | 83.3983% | 4,714 |
| Equity capital to assets | 15.6792% | 612 |
| Core capital (leverage) ratio | 15.1088% | 576 |
| Tier 1 risk-based capital ratio | 22.4860% | 1,243 |
| Total risk-based capital ratio | 23.7364% | 1,228 |
| Memoranda: | ||
| Average total assets | $375,048,000 | 1,763 |
| Average earning assets | $331,006,500 | 1,831 |
| Average equity | $58,347,500 | 1,250 |
| Average total loans | $260,929,500 | 1,603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 5,427 |
| Cost of funding earning assets | 0.8569% | 2,250 |
| Net interest margin | 3.0977% | 5,818 |
| Noninterest income to average assets | 0.7613% | 2,440 |
| Noninterest expense to average assets | 2.9094% | 3,599 |
| Loan and lease loss provision to assets | 0.2099% | 3,045 |
| Net operating income to assets | 0.2873% | 5,512 |
| Return on assets (ROA) | 0.3578% | 5,488 |
| Pretax return on assets | 0.4557% | 5,409 |
| Return on Equity (ROE) | 2.3674% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,569 |
| Net charge-offs to loans | 0.8254% | 1,410 |
| Credit loss provision to net charge-offs | 34.7524% | 5,026 |
| Earnings coverage of net charge-offs (x) | 0.9544% | 4,990 |
| Efficiency ratio | 83.4663% | 1,693 |
| Assets per employee ($millions) | 6.7334% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,162 |
| Loan loss allowance to noncurrent loans | 87.2418% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.5049% | 1,290 |
| Noncurrent loans to loans | 1.3631% | 3,555 |
| Net loans and leases to total assets | 68.8596% | 2,059 |
| Net loans and leases to deposits | 82.2339% | 1,972 |
| Net loans and leases to core deposits | 88.2719% | 2,057 |
| Total domestic deposits to total assets | 83.7363% | 4,423 |
| Equity capital to assets | 15.4368% | 647 |
| Core capital (leverage) ratio | 14.9368% | 586 |
| Tier 1 risk-based capital ratio | 21.8652% | 1,286 |
| Total risk-based capital ratio | 23.0898% | 1,264 |
| Memoranda: | ||
| Average total assets | $381,211,600 | 1,706 |
| Average earning assets | $335,285,600 | 1,770 |
| Average equity | $57,614,800 | 1,232 |
| Average total loans | $278,878,600 | 1,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 5,422 |
| Cost of funding earning assets | 0.8790% | 2,320 |
| Net interest margin | 3.1563% | 5,809 |
| Noninterest income to average assets | 0.7294% | 2,577 |
| Noninterest expense to average assets | 2.8302% | 3,873 |
| Loan and lease loss provision to assets | 0.2790% | 2,335 |
| Net operating income to assets | 0.3099% | 5,585 |
| Return on assets (ROA) | 0.4018% | 5,465 |
| Pretax return on assets | 0.5134% | 5,423 |
| Return on Equity (ROE) | 2.6728% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.6728% | 4,958 |
| Net charge-offs to loans | 0.7319% | 1,513 |
| Credit loss provision to net charge-offs | 51.5132% | 4,364 |
| Earnings coverage of net charge-offs (x) | 1.2453% | 4,664 |
| Efficiency ratio | 80.7524% | 1,981 |
| Assets per employee ($millions) | 6.7673% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,216 |
| Loan loss allowance to noncurrent loans | 45.7811% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 5.2862% | 819 |
| Noncurrent loans to loans | 3.1356% | 1,772 |
| Net loans and leases to total assets | 70.1880% | 1,874 |
| Net loans and leases to deposits | 83.6266% | 1,913 |
| Net loans and leases to core deposits | 89.7076% | 2,017 |
| Total domestic deposits to total assets | 83.9302% | 4,250 |
| Equity capital to assets | 15.3115% | 750 |
| Core capital (leverage) ratio | 14.8618% | 634 |
| Tier 1 risk-based capital ratio | 21.1559% | 1,492 |
| Total risk-based capital ratio | 22.4088% | 1,458 |
| Memoranda: | ||
| Average total assets | $382,246,250 | 1,722 |
| Average earning assets | $336,128,500 | 1,788 |
| Average equity | $57,466,500 | 1,245 |
| Average total loans | $282,904,250 | 1,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 5,176 |
| Cost of funding earning assets | 0.9074% | 2,341 |
| Net interest margin | 3.2292% | 5,650 |
| Noninterest income to average assets | 0.6589% | 2,900 |
| Noninterest expense to average assets | 2.7375% | 4,257 |
| Loan and lease loss provision to assets | 0.4174% | 1,568 |
| Net operating income to assets | 0.2844% | 5,665 |
| Return on assets (ROA) | 0.4273% | 5,351 |
| Pretax return on assets | 0.5228% | 5,382 |
| Return on Equity (ROE) | 2.8596% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.8596% | 4,720 |
| Net charge-offs to loans | 1.0124% | 1,096 |
| Credit loss provision to net charge-offs | 55.0206% | 3,931 |
| Earnings coverage of net charge-offs (x) | 1.0096% | 4,520 |
| Efficiency ratio | 78.1385% | 2,443 |
| Assets per employee ($millions) | 6.6803% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 4,325 |
| Loan loss allowance to noncurrent loans | 45.0760% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 5.0599% | 940 |
| Noncurrent loans to loans | 3.1803% | 1,834 |
| Net loans and leases to total assets | 71.7396% | 1,599 |
| Net loans and leases to deposits | 85.2906% | 1,688 |
| Net loans and leases to core deposits | 91.6640% | 1,809 |
| Total domestic deposits to total assets | 84.1120% | 4,271 |
| Equity capital to assets | 15.1522% | 743 |
| Core capital (leverage) ratio | 14.6380% | 667 |
| Tier 1 risk-based capital ratio | 20.6298% | 1,544 |
| Total risk-based capital ratio | 21.8828% | 1,528 |
| Memoranda: | ||
| Average total assets | $383,338,000 | 1,722 |
| Average earning assets | $337,667,330 | 1,779 |
| Average equity | $57,280,000 | 1,242 |
| Average total loans | $287,250,330 | 1,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 5,098 |
| Cost of funding earning assets | 0.9395% | 2,381 |
| Net interest margin | 3.2617% | 5,603 |
| Noninterest income to average assets | 0.4628% | 4,205 |
| Noninterest expense to average assets | 2.8589% | 3,787 |
| Loan and lease loss provision to assets | 0.3120% | 2,011 |
| Net operating income to assets | 0.1612% | 6,092 |
| Return on assets (ROA) | 0.1612% | 6,222 |
| Pretax return on assets | 0.1695% | 6,255 |
| Return on Equity (ROE) | 1.0863% | 6,330 |
| Retained earnings to average equity (ytd only) | 1.0863% | 5,647 |
| Net charge-offs to loans | 1.4711% | 681 |
| Credit loss provision to net charge-offs | 27.9070% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.4307% | 4,137 |
| Efficiency ratio | 85.5853% | 1,516 |
| Assets per employee ($millions) | 7.0223% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,919 |
| Loan loss allowance to noncurrent loans | 35.0820% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 5.7298% | 840 |
| Noncurrent loans to loans | 3.7689% | 1,647 |
| Net loans and leases to total assets | 74.4331% | 997 |
| Net loans and leases to deposits | 88.9846% | 1,062 |
| Net loans and leases to core deposits | 95.7708% | 1,315 |
| Total domestic deposits to total assets | 83.6471% | 4,658 |
| Equity capital to assets | 14.8330% | 776 |
| Core capital (leverage) ratio | 14.2270% | 743 |
| Tier 1 risk-based capital ratio | 17.6566% | 2,421 |
| Total risk-based capital ratio | 18.9401% | 2,380 |
| Memoranda: | ||
| Average total assets | $384,618,500 | 1,724 |
| Average earning assets | $339,328,500 | 1,781 |
| Average equity | $57,072,000 | 1,241 |
| Average total loans | $292,305,000 | 1,455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 5,685 |
| Cost of funding earning assets | 1.1320% | 2,455 |
| Net interest margin | 3.1914% | 6,120 |
| Noninterest income to average assets | 0.4767% | 4,018 |
| Noninterest expense to average assets | 2.7013% | 4,743 |
| Loan and lease loss provision to assets | 1.0229% | 920 |
| Net operating income to assets | 0.0207% | 6,002 |
| Return on assets (ROA) | 0.0944% | 5,992 |
| Pretax return on assets | -0.2926% | 6,349 |
| Return on Equity (ROE) | 0.6386% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.6386% | 5,549 |
| Net charge-offs to loans | 1.8745% | 767 |
| Credit loss provision to net charge-offs | 70.9975% | 4,813 |
| Earnings coverage of net charge-offs (x) | 0.4271% | 5,500 |
| Efficiency ratio | 81.4481% | 2,091 |
| Assets per employee ($millions) | 7.0928% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,667 |
| Loan loss allowance to noncurrent loans | 30.8879% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 6.4651% | 731 |
| Noncurrent loans to loans | 5.1078% | 1,096 |
| Net loans and leases to total assets | 75.3636% | 1,041 |
| Net loans and leases to deposits | 90.1175% | 1,144 |
| Net loans and leases to core deposits | 96.9519% | 1,418 |
| Total domestic deposits to total assets | 83.6281% | 4,490 |
| Equity capital to assets | 14.8442% | 818 |
| Core capital (leverage) ratio | 14.6128% | 687 |
| Tier 1 risk-based capital ratio | 18.7581% | 1,973 |
| Total risk-based capital ratio | 20.0116% | 1,930 |
| Memoranda: | ||
| Average total assets | $391,028,800 | 1,655 |
| Average earning assets | $347,964,400 | 1,704 |
| Average equity | $57,786,000 | 1,175 |
| Average total loans | $300,555,400 | 1,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 5,889 |
| Cost of funding earning assets | 1.1609% | 2,562 |
| Net interest margin | 3.1561% | 6,268 |
| Noninterest income to average assets | 0.4098% | 4,594 |
| Noninterest expense to average assets | 2.6983% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6361% | 3,937 |
| Return on assets (ROA) | 0.7887% | 3,385 |
| Pretax return on assets | 0.6771% | 4,558 |
| Return on Equity (ROE) | 5.3430% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3430% | 2,955 |
| Net charge-offs to loans | 0.6870% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.9923% | 4,886 |
| Efficiency ratio | 83.7263% | 1,757 |
| Assets per employee ($millions) | 7.4413% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,952 |
| Loan loss allowance to noncurrent loans | 23.8308% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 6.6592% | 762 |
| Noncurrent loans to loans | 6.4275% | 829 |
| Net loans and leases to total assets | 76.6591% | 883 |
| Net loans and leases to deposits | 92.8202% | 932 |
| Net loans and leases to core deposits | 99.7930% | 1,261 |
| Total domestic deposits to total assets | 82.5888% | 4,840 |
| Equity capital to assets | 14.8944% | 880 |
| Core capital (leverage) ratio | 14.9193% | 685 |
| Tier 1 risk-based capital ratio | 18.8802% | 1,971 |
| Total risk-based capital ratio | 20.1334% | 1,938 |
| Memoranda: | ||
| Average total assets | $393,033,250 | 1,663 |
| Average earning assets | $350,294,750 | 1,698 |
| Average equity | $58,018,750 | 1,172 |
| Average total loans | $302,374,750 | 1,416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 5,904 |
| Cost of funding earning assets | 1.1825% | 2,692 |
| Net interest margin | 3.1481% | 6,286 |
| Noninterest income to average assets | 0.4305% | 4,422 |
| Noninterest expense to average assets | 2.3822% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9527% | 2,427 |
| Return on assets (ROA) | 1.1203% | 1,897 |
| Pretax return on assets | 1.0194% | 3,169 |
| Return on Equity (ROE) | 7.6119% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.6119% | 1,612 |
| Net charge-offs to loans | 0.9521% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1676% | 4,405 |
| Efficiency ratio | 73.6610% | 3,424 |
| Assets per employee ($millions) | 7.4674% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,824 |
| Loan loss allowance to noncurrent loans | 24.0058% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 7.2749% | 680 |
| Noncurrent loans to loans | 6.5372% | 845 |
| Net loans and leases to total assets | 76.5303% | 994 |
| Net loans and leases to deposits | 94.0584% | 868 |
| Net loans and leases to core deposits | 101.3732% | 1,221 |
| Total domestic deposits to total assets | 81.3646% | 5,397 |
| Equity capital to assets | 14.9204% | 839 |
| Core capital (leverage) ratio | 14.9982% | 661 |
| Tier 1 risk-based capital ratio | 18.7354% | 1,925 |
| Total risk-based capital ratio | 19.9901% | 1,891 |
| Memoranda: | ||
| Average total assets | $392,581,330 | 1,674 |
| Average earning assets | $349,606,000 | 1,712 |
| Average equity | $57,777,670 | 1,158 |
| Average total loans | $300,820,330 | 1,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 5,728 |
| Cost of funding earning assets | 1.2120% | 2,733 |
| Net interest margin | 3.1784% | 6,138 |
| Noninterest income to average assets | 0.4563% | 4,221 |
| Noninterest expense to average assets | 2.3101% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6266% | 3,888 |
| Return on assets (ROA) | 0.8021% | 3,089 |
| Pretax return on assets | 1.2481% | 2,199 |
| Return on Equity (ROE) | 5.4882% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.4882% | 2,912 |
| Net charge-offs to loans | 0.0013% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 12 |
| Efficiency ratio | 70.3427% | 4,188 |
| Assets per employee ($millions) | 6.9493% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 2,187 |
| Loan loss allowance to noncurrent loans | 33.7394% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 7.2086% | 722 |
| Noncurrent loans to loans | 6.2214% | 994 |
| Net loans and leases to total assets | 75.0256% | 1,173 |
| Net loans and leases to deposits | 93.1436% | 906 |
| Net loans and leases to core deposits | 99.3606% | 1,395 |
| Total domestic deposits to total assets | 80.5483% | 5,806 |
| Equity capital to assets | 14.7878% | 812 |
| Core capital (leverage) ratio | 14.5395% | 734 |
| Tier 1 risk-based capital ratio | 18.7671% | 1,877 |
| Total risk-based capital ratio | 20.0285% | 1,831 |
| Memoranda: | ||
| Average total assets | $390,985,000 | 1,686 |
| Average earning assets | $347,851,000 | 1,731 |
| Average equity | $57,141,000 | 1,164 |
| Average total loans | $297,372,500 | 1,478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 5,734 |
| Cost of funding earning assets | 1.4744% | 2,795 |
| Net interest margin | 3.2449% | 6,153 |
| Noninterest income to average assets | 0.5254% | 3,988 |
| Noninterest expense to average assets | 2.7095% | 4,945 |
| Loan and lease loss provision to assets | 0.3490% | 4,036 |
| Net operating income to assets | 0.0176% | 5,784 |
| Return on assets (ROA) | 0.0102% | 5,942 |
| Pretax return on assets | 0.3230% | 5,171 |
| Return on Equity (ROE) | 0.0720% | 5,951 |
| Retained earnings to average equity (ytd only) | 0.0720% | 5,552 |
| Net charge-offs to loans | 0.2565% | 4,751 |
| Credit loss provision to net charge-offs | 178.5714% | 1,853 |
| Earnings coverage of net charge-offs (x) | 3.4974% | 3,333 |
| Efficiency ratio | 79.8560% | 2,436 |
| Assets per employee ($millions) | 7.1420% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1115% | 2,045 |
| Loan loss allowance to noncurrent loans | 32.7458% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 7.0362% | 771 |
| Noncurrent loans to loans | 6.4482% | 934 |
| Net loans and leases to total assets | 73.8918% | 1,680 |
| Net loans and leases to deposits | 93.1490% | 1,131 |
| Net loans and leases to core deposits | 99.3684% | 1,665 |
| Total domestic deposits to total assets | 79.3265% | 6,004 |
| Equity capital to assets | 14.4430% | 916 |
| Core capital (leverage) ratio | 14.2497% | 799 |
| Tier 1 risk-based capital ratio | 18.2371% | 1,926 |
| Total risk-based capital ratio | 19.4965% | 1,883 |
| Memoranda: | ||
| Average total assets | $401,182,400 | 1,649 |
| Average earning assets | $354,521,600 | 1,698 |
| Average equity | $56,973,800 | 1,168 |
| Average total loans | $305,679,800 | 1,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 5,596 |
| Cost of funding earning assets | 1.5235% | 2,815 |
| Net interest margin | 3.2922% | 6,040 |
| Noninterest income to average assets | 0.4427% | 4,620 |
| Noninterest expense to average assets | 2.3960% | 6,048 |
| Loan and lease loss provision to assets | 0.0661% | 6,402 |
| Net operating income to assets | 0.5109% | 4,267 |
| Return on assets (ROA) | 0.5022% | 4,495 |
| Pretax return on assets | 0.8699% | 3,665 |
| Return on Equity (ROE) | 3.5510% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.5510% | 3,952 |
| Net charge-offs to loans | 0.0667% | 5,845 |
| Credit loss provision to net charge-offs | 129.8701% | 3,118 |
| Earnings coverage of net charge-offs (x) | 18.6492% | 1,245 |
| Efficiency ratio | 71.6177% | 3,771 |
| Assets per employee ($millions) | 7.4233% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,521 |
| Loan loss allowance to noncurrent loans | 49.1536% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 5.2206% | 1,205 |
| Noncurrent loans to loans | 3.8381% | 1,991 |
| Net loans and leases to total assets | 73.8331% | 1,838 |
| Net loans and leases to deposits | 93.2693% | 1,286 |
| Net loans and leases to core deposits | 100.6519% | 1,783 |
| Total domestic deposits to total assets | 79.1612% | 5,980 |
| Equity capital to assets | 14.5278% | 1,012 |
| Core capital (leverage) ratio | 14.1514% | 893 |
| Tier 1 risk-based capital ratio | 18.0350% | 2,015 |
| Total risk-based capital ratio | 19.2920% | 1,974 |
| Memoranda: | ||
| Average total assets | $403,275,000 | 1,663 |
| Average earning assets | $355,580,250 | 1,704 |
| Average equity | $57,033,750 | 1,168 |
| Average total loans | $307,970,500 | 1,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 5,673 |
| Cost of funding earning assets | 1.5750% | 2,800 |
| Net interest margin | 3.2585% | 6,140 |
| Noninterest income to average assets | 0.4054% | 4,869 |
| Noninterest expense to average assets | 2.3990% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5550% | 4,064 |
| Return on assets (ROA) | 0.5420% | 4,281 |
| Pretax return on assets | 0.8667% | 3,638 |
| Return on Equity (ROE) | 3.8670% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,627 |
| Net charge-offs to loans | 0.1032% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,793 |
| Efficiency ratio | 73.0080% | 3,659 |
| Assets per employee ($millions) | 7.5272% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,725 |
| Loan loss allowance to noncurrent loans | 51.1517% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 4.7421% | 1,367 |
| Noncurrent loans to loans | 3.5134% | 2,250 |
| Net loans and leases to total assets | 73.7383% | 1,971 |
| Net loans and leases to deposits | 92.4486% | 1,462 |
| Net loans and leases to core deposits | 100.8849% | 1,930 |
| Total domestic deposits to total assets | 79.7615% | 5,801 |
| Equity capital to assets | 14.0629% | 1,141 |
| Core capital (leverage) ratio | 13.8236% | 967 |
| Tier 1 risk-based capital ratio | 17.7210% | 2,023 |
| Total risk-based capital ratio | 18.9770% | 1,996 |
| Memoranda: | ||
| Average total assets | $404,080,670 | 1,679 |
| Average earning assets | $357,216,670 | 1,716 |
| Average equity | $56,633,000 | 1,165 |
| Average total loans | $310,075,000 | 1,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 5,906 |
| Cost of funding earning assets | 1.6113% | 2,890 |
| Net interest margin | 3.1836% | 6,342 |
| Noninterest income to average assets | 0.4100% | 4,816 |
| Noninterest expense to average assets | 2.2676% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5791% | 3,991 |
| Return on assets (ROA) | 0.5689% | 4,180 |
| Pretax return on assets | 0.9591% | 3,238 |
| Return on Equity (ROE) | 4.0661% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.0661% | 3,712 |
| Net charge-offs to loans | 0.0013% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 18 |
| Efficiency ratio | 69.9326% | 4,313 |
| Assets per employee ($millions) | 7.6655% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,691 |
| Loan loss allowance to noncurrent loans | 49.6525% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 4.6501% | 1,428 |
| Noncurrent loans to loans | 3.6544% | 2,179 |
| Net loans and leases to total assets | 75.1725% | 1,700 |
| Net loans and leases to deposits | 94.0973% | 1,339 |
| Net loans and leases to core deposits | 102.5920% | 1,848 |
| Total domestic deposits to total assets | 79.8881% | 5,822 |
| Equity capital to assets | 13.9670% | 1,152 |
| Core capital (leverage) ratio | 14.0116% | 962 |
| Tier 1 risk-based capital ratio | 17.8272% | 1,993 |
| Total risk-based capital ratio | 19.0839% | 1,960 |
| Memoranda: | ||
| Average total assets | $402,887,500 | 1,715 |
| Average earning assets | $358,464,500 | 1,749 |
| Average equity | $56,369,000 | 1,176 |
| Average total loans | $312,509,000 | 1,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 4,935 |
| Cost of funding earning assets | 2.2260% | 1,917 |
| Net interest margin | 3.1251% | 6,293 |
| Noninterest income to average assets | 0.4211% | 5,046 |
| Noninterest expense to average assets | 2.6117% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3059% | 4,517 |
| Return on assets (ROA) | 0.2953% | 4,630 |
| Pretax return on assets | 0.4983% | 4,191 |
| Return on Equity (ROE) | 2.1524% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.1524% | 3,599 |
| Net charge-offs to loans | 0.4565% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.3800% | 4,755 |
| Efficiency ratio | 83.5333% | 2,411 |
| Assets per employee ($millions) | 7.3982% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,552 |
| Loan loss allowance to noncurrent loans | 47.0260% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 4.9124% | 1,264 |
| Noncurrent loans to loans | 3.8233% | 1,951 |
| Net loans and leases to total assets | 77.1769% | 1,553 |
| Net loans and leases to deposits | 96.6269% | 1,255 |
| Net loans and leases to core deposits | 126.9753% | 1,453 |
| Total domestic deposits to total assets | 79.8710% | 5,708 |
| Equity capital to assets | 14.0159% | 1,166 |
| Core capital (leverage) ratio | 13.8776% | 1,006 |
| Tier 1 risk-based capital ratio | 17.3954% | 2,056 |
| Total risk-based capital ratio | 18.6519% | 2,011 |
| Memoranda: | ||
| Average total assets | $399,924,600 | 1,718 |
| Average earning assets | $346,229,600 | 1,804 |
| Average equity | $54,868,200 | 1,197 |
| Average total loans | $326,820,000 | 1,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 4,711 |
| Cost of funding earning assets | 2.3535% | 1,791 |
| Net interest margin | 3.0913% | 6,337 |
| Noninterest income to average assets | 0.4056% | 5,235 |
| Noninterest expense to average assets | 2.5567% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3016% | 4,785 |
| Return on assets (ROA) | 0.2943% | 4,921 |
| Pretax return on assets | 0.4993% | 4,522 |
| Return on Equity (ROE) | 2.1568% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.1568% | 4,121 |
| Net charge-offs to loans | 0.4137% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.4961% | 4,663 |
| Efficiency ratio | 83.3533% | 2,377 |
| Assets per employee ($millions) | 7.3638% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 1,975 |
| Loan loss allowance to noncurrent loans | 47.0050% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 6.6789% | 744 |
| Noncurrent loans to loans | 4.0883% | 1,790 |
| Net loans and leases to total assets | 78.4593% | 1,493 |
| Net loans and leases to deposits | 98.6882% | 1,244 |
| Net loans and leases to core deposits | 130.1669% | 1,427 |
| Total domestic deposits to total assets | 79.5022% | 5,626 |
| Equity capital to assets | 13.9789% | 1,310 |
| Core capital (leverage) ratio | 13.8695% | 1,125 |
| Tier 1 risk-based capital ratio | 17.5188% | 2,117 |
| Total risk-based capital ratio | 18.7776% | 2,077 |
| Memoranda: | ||
| Average total assets | $400,030,000 | 1,732 |
| Average earning assets | $344,439,750 | 1,827 |
| Average equity | $54,586,750 | 1,224 |
| Average total loans | $330,032,750 | 1,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 4,791 |
| Cost of funding earning assets | 2.4922% | 1,640 |
| Net interest margin | 2.9762% | 6,618 |
| Noninterest income to average assets | 0.3892% | 5,385 |
| Noninterest expense to average assets | 2.5248% | 6,037 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2733% | 5,001 |
| Return on assets (ROA) | 0.2784% | 5,089 |
| Pretax return on assets | 0.4466% | 4,803 |
| Return on Equity (ROE) | 2.0570% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.0570% | 4,200 |
| Net charge-offs to loans | 0.6132% | 2,510 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.8584% | 4,895 |
| Efficiency ratio | 85.1995% | 2,331 |
| Assets per employee ($millions) | 7.2166% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 1,857 |
| Loan loss allowance to noncurrent loans | 47.0557% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 6.4598% | 713 |
| Noncurrent loans to loans | 3.9829% | 1,709 |
| Net loans and leases to total assets | 80.6351% | 1,204 |
| Net loans and leases to deposits | 101.3830% | 1,127 |
| Net loans and leases to core deposits | 132.3857% | 1,414 |
| Total domestic deposits to total assets | 79.5352% | 5,629 |
| Equity capital to assets | 13.8055% | 1,385 |
| Core capital (leverage) ratio | 13.4521% | 1,287 |
| Tier 1 risk-based capital ratio | 16.9699% | 2,315 |
| Total risk-based capital ratio | 18.2283% | 2,259 |
| Memoranda: | ||
| Average total assets | $400,825,670 | 1,751 |
| Average earning assets | $346,680,330 | 1,832 |
| Average equity | $54,253,670 | 1,234 |
| Average total loans | $334,010,000 | 1,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 5,022 |
| Cost of funding earning assets | 2.6040% | 1,555 |
| Net interest margin | 2.8744% | 6,817 |
| Noninterest income to average assets | 0.2453% | 6,495 |
| Noninterest expense to average assets | 2.3477% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2843% | 5,355 |
| Return on assets (ROA) | 0.2959% | 5,483 |
| Pretax return on assets | 0.4052% | 5,383 |
| Return on Equity (ROE) | 2.2081% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.2081% | 4,646 |
| Net charge-offs to loans | 1.0499% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.4419% | 4,637 |
| Efficiency ratio | 85.7765% | 2,098 |
| Assets per employee ($millions) | 7.8813% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,689 |
| Loan loss allowance to noncurrent loans | 36.6354% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 7.1861% | 461 |
| Noncurrent loans to loans | 5.1027% | 1,063 |
| Net loans and leases to total assets | 81.6246% | 1,076 |
| Net loans and leases to deposits | 103.4300% | 1,055 |
| Net loans and leases to core deposits | 137.9853% | 1,204 |
| Total domestic deposits to total assets | 78.9177% | 5,760 |
| Equity capital to assets | 13.4603% | 1,546 |
| Core capital (leverage) ratio | 13.3684% | 1,364 |
| Tier 1 risk-based capital ratio | 16.8495% | 2,386 |
| Total risk-based capital ratio | 18.1083% | 2,316 |
| Memoranda: | ||
| Average total assets | $402,781,000 | 1,745 |
| Average earning assets | $349,148,500 | 1,833 |
| Average equity | $53,982,500 | 1,253 |
| Average total loans | $337,932,000 | 1,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 5,828 |
| Cost of funding earning assets | 3.1634% | 1,303 |
| Net interest margin | 2.7818% | 7,359 |
| Noninterest income to average assets | 0.3515% | 5,916 |
| Noninterest expense to average assets | 2.8515% | 4,597 |
| Loan and lease loss provision to assets | 1.1048% | 1,313 |
| Net operating income to assets | -0.6117% | 7,011 |
| Return on assets (ROA) | -0.6133% | 6,909 |
| Pretax return on assets | -1.1249% | 7,073 |
| Return on Equity (ROE) | -4.6040% | 6,820 |
| Retained earnings to average equity (ytd only) | -4.6040% | 6,437 |
| Net charge-offs to loans | 0.4213% | 2,714 |
| Credit loss provision to net charge-offs | 321.7835% | 1,402 |
| Earnings coverage of net charge-offs (x) | -0.0511% | 6,282 |
| Efficiency ratio | 100.6186% | 960 |
| Assets per employee ($millions) | 7.7619% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 1,086 |
| Loan loss allowance to noncurrent loans | 31.0277% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 7.6441% | 317 |
| Noncurrent loans to loans | 6.7350% | 469 |
| Net loans and leases to total assets | 82.8486% | 1,070 |
| Net loans and leases to deposits | 105.6808% | 1,152 |
| Net loans and leases to core deposits | 141.3256% | 1,194 |
| Total domestic deposits to total assets | 78.3952% | 5,583 |
| Equity capital to assets | 13.3448% | 1,653 |
| Core capital (leverage) ratio | 12.9098% | 1,575 |
| Tier 1 risk-based capital ratio | 16.8191% | 2,379 |
| Total risk-based capital ratio | 18.0811% | 2,306 |
| Memoranda: | ||
| Average total assets | $427,847,400 | 1,593 |
| Average earning assets | $381,804,400 | 1,630 |
| Average equity | $56,993,600 | 1,176 |
| Average total loans | $348,694,000 | 1,392 |