Home > Paragon Bank > Performance and Condition Ratios
Paragon 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 | 5.9656% | 668 |
| Cost of funding earning assets | 2.3420% | 504 |
| Net interest margin | 3.6236% | 1,923 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.0168% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5839% | 3,478 |
| Return on assets (ROA) | 0.5839% | 3,476 |
| Pretax return on assets | 0.7023% | 3,431 |
| Return on Equity (ROE) | 7.6600% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.6640% | 1,652 |
| Net charge-offs to loans | -0.0007% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.1166% | 842 |
| Assets per employee ($millions) | 6.7744% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,024.1379% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,818 |
| Noncurrent loans to loans | 0.1229% | 2,901 |
| Net loans and leases to total assets | 86.7300% | 130 |
| Net loans and leases to deposits | 97.2744% | 697 |
| Net loans and leases to core deposits | 133.1246% | 354 |
| Total domestic deposits to total assets | 89.1600% | 1,015 |
| Equity capital to assets | 7.8624% | 3,511 |
| Core capital (leverage) ratio | 8.6240% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1393% | 2,539 |
| Memoranda: | ||
| Average total assets | $699,294,200 | 1,313 |
| Average earning assets | $667,559,200 | 1,284 |
| Average equity | $53,275,200 | 1,524 |
| Average total loans | $603,524,400 | 1,087 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 695 |
| Cost of funding earning assets | 2.1217% | 570 |
| Net interest margin | 3.6732% | 1,834 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.9972% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6823% | 3,363 |
| Return on assets (ROA) | 0.6823% | 3,346 |
| Pretax return on assets | 0.7740% | 3,389 |
| Return on Equity (ROE) | 9.0300% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.0347% | 1,679 |
| Net charge-offs to loans | 0.0011% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 796.6000% | 200 |
| Efficiency ratio | 79.4765% | 894 |
| Assets per employee ($millions) | 6.7316% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 1,703 |
| Loan loss allowance to noncurrent loans | 825.0245% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 2,584 |
| Noncurrent loans to loans | 0.1623% | 2,737 |
| Net loans and leases to total assets | 86.0000% | 156 |
| Net loans and leases to deposits | 97.6369% | 636 |
| Net loans and leases to core deposits | 131.3671% | 325 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | 7.5134% | 3,345 |
| Core capital (leverage) ratio | 8.4664% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0013% | 2,611 |
| Memoranda: | ||
| Average total assets | $686,129,250 | 1,327 |
| Average earning assets | $655,427,250 | 1,295 |
| Average equity | $51,813,500 | 1,550 |
| Average total loans | $589,288,500 | 1,099 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 699 |
| Cost of funding earning assets | 1.8485% | 679 |
| Net interest margin | 3.7909% | 1,648 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.9804% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7612% | 3,191 |
| Return on assets (ROA) | 0.7612% | 3,209 |
| Pretax return on assets | 1.0238% | 2,849 |
| Return on Equity (ROE) | 10.0600% | 2,683 |
| Retained earnings to average equity (ytd only) | 10.0616% | 1,389 |
| Net charge-offs to loans | -0.0045% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.4319% | 1,306 |
| Assets per employee ($millions) | 6.7484% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,536 |
| Loan loss allowance to noncurrent loans | 827.6031% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,479 |
| Noncurrent loans to loans | 0.1690% | 2,633 |
| Net loans and leases to total assets | 84.6100% | 236 |
| Net loans and leases to deposits | 98.4215% | 585 |
| Net loans and leases to core deposits | 129.7760% | 332 |
| Total domestic deposits to total assets | 85.9700% | 2,236 |
| Equity capital to assets | 7.5897% | 3,474 |
| Core capital (leverage) ratio | 8.5871% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0704% | 2,608 |
| Memoranda: | ||
| Average total assets | $674,747,000 | 1,339 |
| Average earning assets | $645,074,333 | 1,306 |
| Average equity | $51,045,667 | 1,576 |
| Average total loans | $576,435,000 | 1,104 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 630 |
| Cost of funding earning assets | 1.6031% | 692 |
| Net interest margin | 3.8878% | 1,501 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.9437% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9092% | 2,821 |
| Return on assets (ROA) | 0.9092% | 2,779 |
| Pretax return on assets | 1.2178% | 2,384 |
| Return on Equity (ROE) | 12.0400% | 2,206 |
| Retained earnings to average equity (ytd only) | 12.0397% | 1,263 |
| Net charge-offs to loans | -0.0007% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7370% | 1,674 |
| Assets per employee ($millions) | 6.5547% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,367 |
| Loan loss allowance to noncurrent loans | 708.1650% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,220 |
| Noncurrent loans to loans | 0.2077% | 2,435 |
| Net loans and leases to total assets | 84.3000% | 218 |
| Net loans and leases to deposits | 94.4329% | 766 |
| Net loans and leases to core deposits | 121.0588% | 412 |
| Total domestic deposits to total assets | 89.2600% | 1,437 |
| Equity capital to assets | 7.5750% | 3,523 |
| Core capital (leverage) ratio | 8.4534% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0341% | 2,723 |
| Memoranda: | ||
| Average total assets | $661,206,000 | 1,383 |
| Average earning assets | $633,270,000 | 1,335 |
| Average equity | $49,935,000 | 1,614 |
| Average total loans | $563,519,000 | 1,133 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 1,051 |
| Cost of funding earning assets | 0.4878% | 1,483 |
| Net interest margin | 3.8113% | 1,138 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 3.1994% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6826% | 3,665 |
| Return on assets (ROA) | 0.6826% | 3,618 |
| Pretax return on assets | 0.9104% | 3,326 |
| Return on Equity (ROE) | 8.1700% | 3,341 |
| Retained earnings to average equity (ytd only) | 8.1691% | 1,765 |
| Net charge-offs to loans | 0.0391% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 28.6848% | 1,709 |
| Efficiency ratio | 77.8477% | 857 |
| Assets per employee ($millions) | 6.4736% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,178 |
| Loan loss allowance to noncurrent loans | 463.2708% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 1,967 |
| Noncurrent loans to loans | 0.2688% | 2,189 |
| Net loans and leases to total assets | 83.8300% | 269 |
| Net loans and leases to deposits | 96.7018% | 603 |
| Net loans and leases to core deposits | 119.7588% | 373 |
| Total domestic deposits to total assets | 86.6900% | 2,500 |
| Equity capital to assets | 7.5287% | 3,369 |
| Core capital (leverage) ratio | 8.5289% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1195% | 2,698 |
| Memoranda: | ||
| Average total assets | $579,729,800 | 1,542 |
| Average earning assets | $557,239,400 | 1,485 |
| Average equity | $48,438,600 | 1,664 |
| Average total loans | $470,468,000 | 1,230 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 1,360 |
| Cost of funding earning assets | 0.2577% | 2,635 |
| Net interest margin | 3.6918% | 1,160 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.1919% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6358% | 3,734 |
| Return on assets (ROA) | 0.6358% | 3,687 |
| Pretax return on assets | 0.8441% | 3,483 |
| Return on Equity (ROE) | 7.4000% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.3959% | 2,233 |
| Net charge-offs to loans | 0.0561% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 18.7989% | 1,744 |
| Efficiency ratio | 79.0852% | 834 |
| Assets per employee ($millions) | 5.9484% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,764 |
| Loan loss allowance to noncurrent loans | 568.0099% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,142 |
| Noncurrent loans to loans | 0.2392% | 2,429 |
| Net loans and leases to total assets | 83.4600% | 290 |
| Net loans and leases to deposits | 99.4589% | 386 |
| Net loans and leases to core deposits | 110.4726% | 453 |
| Total domestic deposits to total assets | 83.9100% | 3,522 |
| Equity capital to assets | 7.8340% | 2,997 |
| Core capital (leverage) ratio | 9.0414% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9401% | 2,497 |
| Memoranda: | ||
| Average total assets | $561,204,750 | 1,591 |
| Average earning assets | $540,174,250 | 1,533 |
| Average equity | $48,242,000 | 1,687 |
| Average total loans | $449,324,500 | 1,266 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 1,660 |
| Cost of funding earning assets | 0.1567% | 3,493 |
| Net interest margin | 3.5009% | 1,309 |
| Noninterest income to average assets | 0.5179% | 2,096 |
| Noninterest expense to average assets | 3.1992% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5193% | 3,847 |
| Return on assets (ROA) | 0.5193% | 3,798 |
| Pretax return on assets | 0.6945% | 3,592 |
| Return on Equity (ROE) | 5.8519% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.8519% | 2,386 |
| Net charge-offs to loans | 0.0954% | 604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.2829% | 1,794 |
| Efficiency ratio | 82.1633% | 787 |
| Assets per employee ($millions) | 5.5285% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,521 |
| Loan loss allowance to noncurrent loans | 567.6277% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,153 |
| Noncurrent loans to loans | 0.2571% | 2,447 |
| Net loans and leases to total assets | 82.5004% | 264 |
| Net loans and leases to deposits | 97.3421% | 372 |
| Net loans and leases to core deposits | 103.9200% | 516 |
| Total domestic deposits to total assets | 84.7531% | 3,538 |
| Equity capital to assets | 8.3975% | 2,838 |
| Core capital (leverage) ratio | 9.1594% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6684% | 2,222 |
| Memoranda: | ||
| Average total assets | $548,009,000 | 1,634 |
| Average earning assets | $528,433,333 | 1,589 |
| Average equity | $48,634,000 | 1,716 |
| Average total loans | $429,655,667 | 1,303 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 2,129 |
| Cost of funding earning assets | 0.1403% | 3,625 |
| Net interest margin | 3.2446% | 1,741 |
| Noninterest income to average assets | 0.5792% | 1,785 |
| Noninterest expense to average assets | 3.1626% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4118% | 3,927 |
| Return on assets (ROA) | 0.4118% | 3,893 |
| Pretax return on assets | 0.5503% | 3,751 |
| Return on Equity (ROE) | 4.5135% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.5135% | 2,775 |
| Net charge-offs to loans | -0.0088% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1785% | 779 |
| Assets per employee ($millions) | 5.6385% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,086 |
| Loan loss allowance to noncurrent loans | 228.2364% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 997 |
| Noncurrent loans to loans | 0.7358% | 1,295 |
| Net loans and leases to total assets | 76.8506% | 453 |
| Net loans and leases to deposits | 85.7700% | 756 |
| Net loans and leases to core deposits | 90.2604% | 913 |
| Total domestic deposits to total assets | 89.6008% | 1,766 |
| Equity capital to assets | 8.9285% | 2,776 |
| Core capital (leverage) ratio | 9.3307% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4107% | 2,032 |
| Memoranda: | ||
| Average total assets | $540,062,000 | 1,663 |
| Average earning assets | $521,598,500 | 1,611 |
| Average equity | $49,274,000 | 1,753 |
| Average total loans | $408,427,000 | 1,349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 1,834 |
| Cost of funding earning assets | 0.1771% | 3,694 |
| Net interest margin | 3.6379% | 1,369 |
| Noninterest income to average assets | 0.7592% | 1,568 |
| Noninterest expense to average assets | 2.9997% | 980 |
| Loan and lease loss provision to assets | 0.1950% | 565 |
| Net operating income to assets | 0.7981% | 3,338 |
| Return on assets (ROA) | 0.8189% | 3,346 |
| Pretax return on assets | 1.0906% | 3,005 |
| Return on Equity (ROE) | 8.2383% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.8953% | 3,681 |
| Net charge-offs to loans | -0.1058% | 4,597 |
| Credit loss provision to net charge-offs | -233.8942% | 3,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4310% | 1,689 |
| Assets per employee ($millions) | 5.6719% | 3,096 |
| Cash dividends to net income (ytd only)* | 64.8556% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 860 |
| Loan loss allowance to noncurrent loans | 238.9226% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 1,160 |
| Noncurrent loans to loans | 0.7543% | 1,347 |
| Net loans and leases to total assets | 71.7602% | 858 |
| Net loans and leases to deposits | 80.5186% | 1,168 |
| Net loans and leases to core deposits | 85.0174% | 1,256 |
| Total domestic deposits to total assets | 89.1226% | 1,446 |
| Equity capital to assets | 9.3200% | 3,296 |
| Core capital (leverage) ratio | 9.5629% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9797% | 1,518 |
| Memoranda: | ||
| Average total assets | $498,975,000 | 1,700 |
| Average earning assets | $480,057,400 | 1,659 |
| Average equity | $49,597,800 | 1,784 |
| Average total loans | $393,125,200 | 1,398 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 1,811 |
| Cost of funding earning assets | 0.1860% | 3,752 |
| Net interest margin | 3.6950% | 1,346 |
| Noninterest income to average assets | 0.8411% | 1,410 |
| Noninterest expense to average assets | 2.9455% | 1,050 |
| Loan and lease loss provision to assets | 0.2652% | 330 |
| Net operating income to assets | 0.8843% | 3,296 |
| Return on assets (ROA) | 0.8918% | 3,344 |
| Pretax return on assets | 1.1877% | 2,971 |
| Return on Equity (ROE) | 8.8208% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.4836% | 4,058 |
| Net charge-offs to loans | -0.1741% | 4,751 |
| Credit loss provision to net charge-offs | -189.6686% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1119% | 1,956 |
| Assets per employee ($millions) | 5.9896% | 2,708 |
| Cash dividends to net income (ytd only)* | 71.8435% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 806 |
| Loan loss allowance to noncurrent loans | 309.6427% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,536 |
| Noncurrent loans to loans | 0.6048% | 1,796 |
| Net loans and leases to total assets | 75.8191% | 563 |
| Net loans and leases to deposits | 85.8242% | 836 |
| Net loans and leases to core deposits | 91.6713% | 937 |
| Total domestic deposits to total assets | 88.3424% | 1,647 |
| Equity capital to assets | 10.0251% | 2,877 |
| Core capital (leverage) ratio | 9.8941% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1310% | 1,583 |
| Memoranda: | ||
| Average total assets | $489,010,750 | 1,742 |
| Average earning assets | $469,525,250 | 1,703 |
| Average equity | $49,442,500 | 1,799 |
| Average total loans | $392,965,750 | 1,429 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 1,786 |
| Cost of funding earning assets | 0.1929% | 3,824 |
| Net interest margin | 3.7172% | 1,306 |
| Noninterest income to average assets | 0.8731% | 1,347 |
| Noninterest expense to average assets | 2.9319% | 1,097 |
| Loan and lease loss provision to assets | 0.4002% | 156 |
| Net operating income to assets | 0.8334% | 3,414 |
| Return on assets (ROA) | 0.8447% | 3,456 |
| Pretax return on assets | 1.1219% | 3,138 |
| Return on Equity (ROE) | 8.3309% | 3,307 |
| Retained earnings to average equity (ytd only) | 2.2470% | 4,058 |
| Net charge-offs to loans | -0.2399% | 4,818 |
| Credit loss provision to net charge-offs | -204.8421% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0398% | 2,147 |
| Assets per employee ($millions) | 5.7728% | 2,828 |
| Cash dividends to net income (ytd only)* | 73.0282% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 849 |
| Loan loss allowance to noncurrent loans | 321.2393% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,679 |
| Noncurrent loans to loans | 0.5686% | 1,976 |
| Net loans and leases to total assets | 80.2509% | 302 |
| Net loans and leases to deposits | 91.4156% | 570 |
| Net loans and leases to core deposits | 97.6839% | 734 |
| Total domestic deposits to total assets | 87.7869% | 1,941 |
| Equity capital to assets | 10.3297% | 2,554 |
| Core capital (leverage) ratio | 10.1039% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7080% | 1,414 |
| Memoranda: | ||
| Average total assets | $486,303,333 | 1,746 |
| Average earning assets | $466,589,667 | 1,707 |
| Average equity | $49,310,667 | 1,792 |
| Average total loans | $395,916,000 | 1,427 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 1,387 |
| Cost of funding earning assets | 0.2093% | 3,837 |
| Net interest margin | 3.8893% | 1,007 |
| Noninterest income to average assets | 0.8100% | 1,558 |
| Noninterest expense to average assets | 2.8219% | 1,324 |
| Loan and lease loss provision to assets | 0.7945% | 60 |
| Net operating income to assets | 0.6960% | 3,717 |
| Return on assets (ROA) | 0.7185% | 3,735 |
| Pretax return on assets | 0.9553% | 3,486 |
| Return on Equity (ROE) | 7.1517% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.4381% | 3,923 |
| Net charge-offs to loans | -0.1980% | 4,782 |
| Credit loss provision to net charge-offs | -493.9086% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1136% | 2,737 |
| Assets per employee ($millions) | 5.9008% | 2,696 |
| Cash dividends to net income (ytd only)* | 65.9091% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 1,033 |
| Loan loss allowance to noncurrent loans | 231.1597% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 1,505 |
| Noncurrent loans to loans | 0.7383% | 1,755 |
| Net loans and leases to total assets | 79.9113% | 341 |
| Net loans and leases to deposits | 90.6528% | 667 |
| Net loans and leases to core deposits | 97.1090% | 837 |
| Total domestic deposits to total assets | 88.1509% | 1,765 |
| Equity capital to assets | 9.9141% | 2,784 |
| Core capital (leverage) ratio | 9.9937% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2206% | 1,236 |
| Memoranda: | ||
| Average total assets | $489,884,000 | 1,730 |
| Average earning assets | $470,210,500 | 1,681 |
| Average equity | $49,219,000 | 1,783 |
| Average total loans | $398,039,000 | 1,421 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 2,916 |
| Cost of funding earning assets | 0.4599% | 3,220 |
| Net interest margin | 3.4763% | 2,547 |
| Noninterest income to average assets | 0.8425% | 1,409 |
| Noninterest expense to average assets | 3.0121% | 1,404 |
| Loan and lease loss provision to assets | 0.4049% | 764 |
| Net operating income to assets | 0.5580% | 3,881 |
| Return on assets (ROA) | 0.5999% | 3,870 |
| Pretax return on assets | 0.8105% | 3,606 |
| Return on Equity (ROE) | 5.7136% | 3,676 |
| Retained earnings to average equity (ytd only) | 3.9935% | 2,829 |
| Net charge-offs to loans | -0.0024% | 4,004 |
| Credit loss provision to net charge-offs | -20,677.7778% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1553% | 1,661 |
| Assets per employee ($millions) | 6.0513% | 2,298 |
| Cash dividends to net income (ytd only)* | 30.1052% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,770 |
| Loan loss allowance to noncurrent loans | 169.3472% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 1,425 |
| Noncurrent loans to loans | 0.8573% | 1,649 |
| Net loans and leases to total assets | 80.0246% | 424 |
| Net loans and leases to deposits | 91.2059% | 839 |
| Net loans and leases to core deposits | 99.8266% | 907 |
| Total domestic deposits to total assets | 87.7406% | 1,591 |
| Equity capital to assets | 10.1832% | 2,949 |
| Core capital (leverage) ratio | 9.8677% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1994% | 1,215 |
| Memoranda: | ||
| Average total assets | $459,573,800 | 1,672 |
| Average earning assets | $440,502,400 | 1,624 |
| Average equity | $48,253,000 | 1,747 |
| Average total loans | $380,885,200 | 1,421 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 3,350 |
| Cost of funding earning assets | 0.5284% | 3,059 |
| Net interest margin | 3.3435% | 3,060 |
| Noninterest income to average assets | 0.8998% | 1,224 |
| Noninterest expense to average assets | 2.9842% | 1,477 |
| Loan and lease loss provision to assets | 0.2706% | 1,500 |
| Net operating income to assets | 0.6317% | 3,690 |
| Return on assets (ROA) | 0.6883% | 3,599 |
| Pretax return on assets | 0.9209% | 3,322 |
| Return on Equity (ROE) | 6.5037% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.4619% | 2,345 |
| Net charge-offs to loans | 0.0173% | 2,521 |
| Credit loss provision to net charge-offs | 1,877.5510% | 507 |
| Earnings coverage of net charge-offs (x) | 77.7143% | 938 |
| Efficiency ratio | 72.7162% | 1,553 |
| Assets per employee ($millions) | 6.2374% | 2,059 |
| Cash dividends to net income (ytd only)* | 16.0188% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,202 |
| Loan loss allowance to noncurrent loans | 118.2275% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,392 |
| Noncurrent loans to loans | 0.9318% | 1,605 |
| Net loans and leases to total assets | 84.7179% | 224 |
| Net loans and leases to deposits | 103.8166% | 392 |
| Net loans and leases to core deposits | 116.3509% | 490 |
| Total domestic deposits to total assets | 81.6034% | 3,517 |
| Equity capital to assets | 9.8864% | 3,350 |
| Core capital (leverage) ratio | 9.9323% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4754% | 1,378 |
| Memoranda: | ||
| Average total assets | $453,442,000 | 1,668 |
| Average earning assets | $434,544,750 | 1,628 |
| Average equity | $47,992,000 | 1,747 |
| Average total loans | $377,829,750 | 1,420 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,297 |
| Cost of funding earning assets | 0.6327% | 2,799 |
| Net interest margin | 3.3776% | 3,165 |
| Noninterest income to average assets | 0.8392% | 1,319 |
| Noninterest expense to average assets | 2.9873% | 1,608 |
| Loan and lease loss provision to assets | 0.2428% | 1,733 |
| Net operating income to assets | 0.6249% | 3,655 |
| Return on assets (ROA) | 0.7128% | 3,464 |
| Pretax return on assets | 0.9556% | 3,166 |
| Return on Equity (ROE) | 6.5706% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.9931% | 2,474 |
| Net charge-offs to loans | -0.0714% | 4,772 |
| Credit loss provision to net charge-offs | -412.4031% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3199% | 1,529 |
| Assets per employee ($millions) | 6.4638% | 1,819 |
| Cash dividends to net income (ytd only)* | 24.0077% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,173 |
| Loan loss allowance to noncurrent loans | 112.0578% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 1,482 |
| Noncurrent loans to loans | 0.9643% | 1,606 |
| Net loans and leases to total assets | 82.7355% | 347 |
| Net loans and leases to deposits | 98.3844% | 632 |
| Net loans and leases to core deposits | 114.3724% | 585 |
| Total domestic deposits to total assets | 84.0942% | 2,720 |
| Equity capital to assets | 9.7255% | 3,442 |
| Core capital (leverage) ratio | 9.8373% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0136% | 1,482 |
| Memoranda: | ||
| Average total assets | $438,260,000 | 1,692 |
| Average earning assets | $419,759,333 | 1,647 |
| Average equity | $47,545,333 | 1,752 |
| Average total loans | $361,292,667 | 1,454 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 3,166 |
| Cost of funding earning assets | 0.7975% | 2,412 |
| Net interest margin | 3.4185% | 3,237 |
| Noninterest income to average assets | 0.8420% | 1,185 |
| Noninterest expense to average assets | 3.3486% | 1,143 |
| Loan and lease loss provision to assets | 0.0783% | 2,737 |
| Net operating income to assets | 0.4996% | 3,896 |
| Return on assets (ROA) | 0.6883% | 3,382 |
| Pretax return on assets | 0.9233% | 3,070 |
| Return on Equity (ROE) | 5.9683% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.9683% | 1,888 |
| Net charge-offs to loans | -0.1102% | 4,838 |
| Credit loss provision to net charge-offs | -86.9565% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4480% | 1,009 |
| Assets per employee ($millions) | 5.2260% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,677 |
| Loan loss allowance to noncurrent loans | 78.1829% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 918 |
| Noncurrent loans to loans | 1.5345% | 1,033 |
| Net loans and leases to total assets | 79.9865% | 699 |
| Net loans and leases to deposits | 94.2720% | 1,053 |
| Net loans and leases to core deposits | 115.8328% | 594 |
| Total domestic deposits to total assets | 84.8465% | 2,466 |
| Equity capital to assets | 11.5837% | 2,366 |
| Core capital (leverage) ratio | 11.3838% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2512% | 1,826 |
| Memoranda: | ||
| Average total assets | $408,535,000 | 1,738 |
| Average earning assets | $390,698,500 | 1,702 |
| Average equity | $47,115,500 | 1,756 |
| Average total loans | $333,798,500 | 1,508 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,434 |
| Cost of funding earning assets | 1.0031% | 1,709 |
| Net interest margin | 3.6567% | 2,936 |
| Noninterest income to average assets | 1.0379% | 894 |
| Noninterest expense to average assets | 3.3324% | 1,239 |
| Loan and lease loss provision to assets | 0.2038% | 994 |
| Net operating income to assets | 0.7435% | 3,723 |
| Return on assets (ROA) | 0.7837% | 3,682 |
| Pretax return on assets | 1.0512% | 3,329 |
| Return on Equity (ROE) | 7.2179% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.2179% | 1,299 |
| Net charge-offs to loans | 0.4740% | 398 |
| Credit loss provision to net charge-offs | 52.3028% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.0902% | 3,358 |
| Efficiency ratio | 73.4583% | 1,666 |
| Assets per employee ($millions) | 5.0527% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,688 |
| Loan loss allowance to noncurrent loans | 73.3372% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 814 |
| Noncurrent loans to loans | 1.5695% | 900 |
| Net loans and leases to total assets | 81.5214% | 614 |
| Net loans and leases to deposits | 95.0357% | 1,045 |
| Net loans and leases to core deposits | 110.6808% | 817 |
| Total domestic deposits to total assets | 85.7798% | 2,145 |
| Equity capital to assets | 11.4808% | 2,545 |
| Core capital (leverage) ratio | 11.0677% | 2,440 |
| Tier 1 risk-based capital ratio | 14.1861% | 3,173 |
| Total risk-based capital ratio | 15.3813% | 3,116 |
| Memoranda: | ||
| Average total assets | $406,791,800 | 1,720 |
| Average earning assets | $389,206,800 | 1,668 |
| Average equity | $44,168,000 | 1,785 |
| Average total loans | $334,415,000 | 1,484 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 2,478 |
| Cost of funding earning assets | 1.0259% | 1,652 |
| Net interest margin | 3.6544% | 3,076 |
| Noninterest income to average assets | 1.0226% | 895 |
| Noninterest expense to average assets | 3.3676% | 1,145 |
| Loan and lease loss provision to assets | 0.1224% | 1,596 |
| Net operating income to assets | 0.7609% | 3,809 |
| Return on assets (ROA) | 0.7625% | 3,871 |
| Pretax return on assets | 1.0315% | 3,497 |
| Return on Equity (ROE) | 7.1239% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.1239% | 1,802 |
| Net charge-offs to loans | 0.2020% | 864 |
| Credit loss provision to net charge-offs | 73.7673% | 2,581 |
| Earnings coverage of net charge-offs (x) | 6.9428% | 2,791 |
| Efficiency ratio | 74.5131% | 1,491 |
| Assets per employee ($millions) | 5.4413% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,931 |
| Loan loss allowance to noncurrent loans | 119.9570% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,440 |
| Noncurrent loans to loans | 1.0909% | 1,455 |
| Net loans and leases to total assets | 81.3399% | 656 |
| Net loans and leases to deposits | 96.9945% | 909 |
| Net loans and leases to core deposits | 118.3361% | 583 |
| Total domestic deposits to total assets | 83.8604% | 2,874 |
| Equity capital to assets | 11.0826% | 3,028 |
| Core capital (leverage) ratio | 11.0389% | 2,611 |
| Tier 1 risk-based capital ratio | 13.6099% | 3,521 |
| Total risk-based capital ratio | 14.8612% | 3,429 |
| Memoranda: | ||
| Average total assets | $407,436,250 | 1,733 |
| Average earning assets | $389,875,000 | 1,676 |
| Average equity | $43,608,250 | 1,811 |
| Average total loans | $334,679,250 | 1,487 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 2,405 |
| Cost of funding earning assets | 1.0370% | 1,548 |
| Net interest margin | 3.6493% | 3,105 |
| Noninterest income to average assets | 1.0276% | 826 |
| Noninterest expense to average assets | 3.4563% | 1,016 |
| Loan and lease loss provision to assets | 0.1791% | 1,003 |
| Net operating income to assets | 0.6527% | 4,156 |
| Return on assets (ROA) | 0.6527% | 4,207 |
| Pretax return on assets | 0.8801% | 3,905 |
| Return on Equity (ROE) | 6.1725% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.1725% | 2,206 |
| Net charge-offs to loans | 0.3169% | 543 |
| Credit loss provision to net charge-offs | 68.8805% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.0740% | 2,771 |
| Efficiency ratio | 76.5432% | 1,330 |
| Assets per employee ($millions) | 5.1256% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,909 |
| Loan loss allowance to noncurrent loans | 76.4107% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 771 |
| Noncurrent loans to loans | 1.7321% | 876 |
| Net loans and leases to total assets | 81.5309% | 669 |
| Net loans and leases to deposits | 94.1261% | 1,248 |
| Net loans and leases to core deposits | 121.5611% | 501 |
| Total domestic deposits to total assets | 86.6187% | 1,768 |
| Equity capital to assets | 10.9260% | 3,154 |
| Core capital (leverage) ratio | 10.6827% | 2,905 |
| Tier 1 risk-based capital ratio | 13.3573% | 3,654 |
| Total risk-based capital ratio | 14.6086% | 3,553 |
| Memoranda: | ||
| Average total assets | $405,401,330 | 1,741 |
| Average earning assets | $387,470,000 | 1,692 |
| Average equity | $42,867,330 | 1,836 |
| Average total loans | $332,627,670 | 1,501 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 2,456 |
| Cost of funding earning assets | 1.0266% | 1,459 |
| Net interest margin | 3.5969% | 3,257 |
| Noninterest income to average assets | 0.8688% | 1,123 |
| Noninterest expense to average assets | 3.3616% | 1,170 |
| Loan and lease loss provision to assets | 0.1134% | 1,567 |
| Net operating income to assets | 0.6183% | 4,186 |
| Return on assets (ROA) | 0.6183% | 4,227 |
| Pretax return on assets | 0.8382% | 3,950 |
| Return on Equity (ROE) | 5.9459% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.9459% | 2,473 |
| Net charge-offs to loans | -0.0024% | 3,890 |
| Credit loss provision to net charge-offs | -5,750.0000% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9378% | 1,273 |
| Assets per employee ($millions) | 5.1229% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,605 |
| Loan loss allowance to noncurrent loans | 77.1246% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 772 |
| Noncurrent loans to loans | 1.8388% | 835 |
| Net loans and leases to total assets | 79.8891% | 851 |
| Net loans and leases to deposits | 91.9449% | 1,411 |
| Net loans and leases to core deposits | 121.0123% | 497 |
| Total domestic deposits to total assets | 86.8881% | 1,868 |
| Equity capital to assets | 10.4628% | 3,377 |
| Core capital (leverage) ratio | 10.4754% | 3,075 |
| Tier 1 risk-based capital ratio | 13.1492% | 3,802 |
| Total risk-based capital ratio | 14.4018% | 3,707 |
| Memoranda: | ||
| Average total assets | $405,640,000 | 1,752 |
| Average earning assets | $388,449,000 | 1,694 |
| Average equity | $42,180,000 | 1,847 |
| Average total loans | $331,658,500 | 1,515 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,896 |
| Cost of funding earning assets | 0.7510% | 1,783 |
| Net interest margin | 3.9297% | 2,228 |
| Noninterest income to average assets | 1.1248% | 730 |
| Noninterest expense to average assets | 3.6040% | 865 |
| Loan and lease loss provision to assets | 0.2383% | 746 |
| Net operating income to assets | 0.8012% | 3,800 |
| Return on assets (ROA) | 0.8012% | 3,803 |
| Pretax return on assets | 1.0547% | 3,427 |
| Return on Equity (ROE) | 7.9963% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.9963% | 1,238 |
| Net charge-offs to loans | 0.2817% | 686 |
| Credit loss provision to net charge-offs | 102.7473% | 2,459 |
| Earnings coverage of net charge-offs (x) | 5.5758% | 3,178 |
| Efficiency ratio | 73.5963% | 1,686 |
| Assets per employee ($millions) | 5.0816% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,690 |
| Loan loss allowance to noncurrent loans | 105.3682% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 1,180 |
| Noncurrent loans to loans | 1.3161% | 1,195 |
| Net loans and leases to total assets | 81.3562% | 758 |
| Net loans and leases to deposits | 94.9706% | 1,173 |
| Net loans and leases to core deposits | 121.9848% | 499 |
| Total domestic deposits to total assets | 85.6646% | 2,374 |
| Equity capital to assets | 10.3326% | 3,346 |
| Core capital (leverage) ratio | 10.4343% | 3,103 |
| Tier 1 risk-based capital ratio | 13.2220% | 3,707 |
| Total risk-based capital ratio | 14.4751% | 3,593 |
| Memoranda: | ||
| Average total assets | $392,420,000 | 1,753 |
| Average earning assets | $376,691,600 | 1,693 |
| Average equity | $39,318,400 | 1,895 |
| Average total loans | $322,984,400 | 1,505 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 2,108 |
| Cost of funding earning assets | 0.6897% | 1,907 |
| Net interest margin | 3.8689% | 2,407 |
| Noninterest income to average assets | 1.0689% | 830 |
| Noninterest expense to average assets | 3.6978% | 761 |
| Loan and lease loss provision to assets | 0.1808% | 1,003 |
| Net operating income to assets | 0.6671% | 4,328 |
| Return on assets (ROA) | 0.6671% | 4,342 |
| Pretax return on assets | 0.8998% | 4,023 |
| Return on Equity (ROE) | 6.7115% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.7115% | 2,274 |
| Net charge-offs to loans | 0.2833% | 591 |
| Credit loss provision to net charge-offs | 77.5660% | 2,556 |
| Earnings coverage of net charge-offs (x) | 4.6364% | 3,037 |
| Efficiency ratio | 77.3868% | 1,187 |
| Assets per employee ($millions) | 5.0601% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 1,883 |
| Loan loss allowance to noncurrent loans | 93.8576% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 1,040 |
| Noncurrent loans to loans | 1.4385% | 1,148 |
| Net loans and leases to total assets | 81.7503% | 753 |
| Net loans and leases to deposits | 99.5379% | 826 |
| Net loans and leases to core deposits | 125.5239% | 424 |
| Total domestic deposits to total assets | 82.1299% | 3,571 |
| Equity capital to assets | 10.0495% | 3,588 |
| Core capital (leverage) ratio | 10.4751% | 3,106 |
| Tier 1 risk-based capital ratio | 12.9239% | 3,952 |
| Total risk-based capital ratio | 14.1759% | 3,855 |
| Memoranda: | ||
| Average total assets | $390,163,250 | 1,767 |
| Average earning assets | $374,085,750 | 1,709 |
| Average equity | $38,778,000 | 1,918 |
| Average total loans | $320,931,750 | 1,519 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 2,078 |
| Cost of funding earning assets | 0.6363% | 2,009 |
| Net interest margin | 3.8686% | 2,316 |
| Noninterest income to average assets | 1.0601% | 861 |
| Noninterest expense to average assets | 3.6968% | 761 |
| Loan and lease loss provision to assets | 0.2012% | 853 |
| Net operating income to assets | 0.6510% | 4,342 |
| Return on assets (ROA) | 0.6510% | 4,352 |
| Pretax return on assets | 0.8728% | 4,048 |
| Return on Equity (ROE) | 6.5744% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.5744% | 2,269 |
| Net charge-offs to loans | 0.2314% | 692 |
| Credit loss provision to net charge-offs | 105.9621% | 1,937 |
| Earnings coverage of net charge-offs (x) | 5.6558% | 2,693 |
| Efficiency ratio | 77.4889% | 1,251 |
| Assets per employee ($millions) | 5.0047% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,581 |
| Loan loss allowance to noncurrent loans | 104.1998% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 1,155 |
| Noncurrent loans to loans | 1.3864% | 1,221 |
| Net loans and leases to total assets | 79.1982% | 1,129 |
| Net loans and leases to deposits | 97.1443% | 1,027 |
| Net loans and leases to core deposits | 128.2244% | 365 |
| Total domestic deposits to total assets | 81.5264% | 3,861 |
| Equity capital to assets | 9.8388% | 3,784 |
| Core capital (leverage) ratio | 10.2084% | 3,352 |
| Tier 1 risk-based capital ratio | 12.8002% | 4,008 |
| Total risk-based capital ratio | 14.0530% | 3,914 |
| Memoranda: | ||
| Average total assets | $388,655,330 | 1,776 |
| Average earning assets | $372,794,000 | 1,716 |
| Average equity | $38,482,670 | 1,932 |
| Average total loans | $318,884,330 | 1,528 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 2,223 |
| Cost of funding earning assets | 0.5770% | 2,193 |
| Net interest margin | 3.8155% | 2,357 |
| Noninterest income to average assets | 0.8586% | 1,268 |
| Noninterest expense to average assets | 3.6907% | 769 |
| Loan and lease loss provision to assets | 0.1370% | 1,375 |
| Net operating income to assets | 0.5056% | 4,684 |
| Return on assets (ROA) | 0.5056% | 4,689 |
| Pretax return on assets | 0.6966% | 4,452 |
| Return on Equity (ROE) | 5.0896% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.0896% | 3,129 |
| Net charge-offs to loans | 0.4094% | 382 |
| Credit loss provision to net charge-offs | 40.3670% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.4557% | 2,459 |
| Efficiency ratio | 81.5741% | 993 |
| Assets per employee ($millions) | 4.8597% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,020 |
| Loan loss allowance to noncurrent loans | 90.2021% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 1,043 |
| Noncurrent loans to loans | 1.4969% | 1,178 |
| Net loans and leases to total assets | 81.1672% | 767 |
| Net loans and leases to deposits | 99.5215% | 746 |
| Net loans and leases to core deposits | 130.8949% | 323 |
| Total domestic deposits to total assets | 81.5574% | 4,074 |
| Equity capital to assets | 9.7218% | 3,868 |
| Core capital (leverage) ratio | 10.0393% | 3,487 |
| Tier 1 risk-based capital ratio | 12.4622% | 4,269 |
| Total risk-based capital ratio | 13.7143% | 4,168 |
| Memoranda: | ||
| Average total assets | $385,296,000 | 1,797 |
| Average earning assets | $370,174,500 | 1,741 |
| Average equity | $38,274,000 | 1,944 |
| Average total loans | $319,467,000 | 1,522 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 1,644 |
| Cost of funding earning assets | 0.4194% | 3,058 |
| Net interest margin | 4.1031% | 1,418 |
| Noninterest income to average assets | 1.3113% | 614 |
| Noninterest expense to average assets | 3.8810% | 627 |
| Loan and lease loss provision to assets | 0.1976% | 1,052 |
| Net operating income to assets | 0.5821% | 4,094 |
| Return on assets (ROA) | 0.5844% | 4,121 |
| Pretax return on assets | 1.1434% | 3,008 |
| Return on Equity (ROE) | 5.6727% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.6727% | 1,726 |
| Net charge-offs to loans | 0.1017% | 2,053 |
| Credit loss provision to net charge-offs | 234.5395% | 1,184 |
| Earnings coverage of net charge-offs (x) | 15.8750% | 2,216 |
| Efficiency ratio | 74.3720% | 1,846 |
| Assets per employee ($millions) | 4.7120% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,582 |
| Loan loss allowance to noncurrent loans | 438.3877% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,074 |
| Noncurrent loans to loans | 0.3307% | 3,584 |
| Net loans and leases to total assets | 82.3676% | 631 |
| Net loans and leases to deposits | 102.7014% | 564 |
| Net loans and leases to core deposits | 128.7007% | 370 |
| Total domestic deposits to total assets | 80.2011% | 4,299 |
| Equity capital to assets | 10.1549% | 3,532 |
| Core capital (leverage) ratio | 10.2086% | 3,181 |
| Tier 1 risk-based capital ratio | 12.9360% | 3,941 |
| Total risk-based capital ratio | 14.1896% | 3,844 |
| Memoranda: | ||
| Average total assets | $360,863,400 | 1,862 |
| Average earning assets | $343,614,800 | 1,824 |
| Average equity | $37,178,000 | 1,968 |
| Average total loans | $298,985,600 | 1,571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 1,592 |
| Cost of funding earning assets | 0.3937% | 3,263 |
| Net interest margin | 4.1251% | 1,326 |
| Noninterest income to average assets | 1.3077% | 625 |
| Noninterest expense to average assets | 3.9759% | 536 |
| Loan and lease loss provision to assets | 0.1868% | 1,047 |
| Net operating income to assets | 0.6810% | 4,072 |
| Return on assets (ROA) | 0.6841% | 4,120 |
| Pretax return on assets | 1.0653% | 3,438 |
| Return on Equity (ROE) | 6.6155% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.6155% | 1,899 |
| Net charge-offs to loans | -0.0140% | 4,743 |
| Credit loss provision to net charge-offs | -1,612.9032% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1213% | 1,570 |
| Assets per employee ($millions) | 4.3540% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,413 |
| Loan loss allowance to noncurrent loans | 2,548.9130% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 4,154 |
| Noncurrent loans to loans | 0.0602% | 4,844 |
| Net loans and leases to total assets | 82.3339% | 628 |
| Net loans and leases to deposits | 104.3627% | 484 |
| Net loans and leases to core deposits | 127.7569% | 375 |
| Total domestic deposits to total assets | 78.8920% | 4,549 |
| Equity capital to assets | 10.4691% | 3,405 |
| Core capital (leverage) ratio | 10.4798% | 3,011 |
| Tier 1 risk-based capital ratio | 13.4756% | 3,720 |
| Total risk-based capital ratio | 14.7311% | 3,628 |
| Memoranda: | ||
| Average total assets | $356,839,250 | 1,892 |
| Average earning assets | $338,699,000 | 1,861 |
| Average equity | $36,902,500 | 1,992 |
| Average total loans | $294,966,750 | 1,600 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,447 |
| Cost of funding earning assets | 0.3725% | 3,358 |
| Net interest margin | 4.1551% | 1,188 |
| Noninterest income to average assets | 1.3089% | 610 |
| Noninterest expense to average assets | 3.9737% | 540 |
| Loan and lease loss provision to assets | 0.1221% | 1,700 |
| Net operating income to assets | 0.7187% | 3,758 |
| Return on assets (ROA) | 0.7234% | 3,812 |
| Pretax return on assets | 1.1609% | 2,928 |
| Return on Equity (ROE) | 7.0252% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.0252% | 1,583 |
| Net charge-offs to loans | -0.1064% | 5,428 |
| Credit loss provision to net charge-offs | -139.3548% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6998% | 1,774 |
| Assets per employee ($millions) | 4.3075% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,506 |
| Loan loss allowance to noncurrent loans | 2,422.4599% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,561 |
| Noncurrent loans to loans | 0.0629% | 4,874 |
| Net loans and leases to total assets | 81.8891% | 681 |
| Net loans and leases to deposits | 101.3831% | 645 |
| Net loans and leases to core deposits | 123.4812% | 448 |
| Total domestic deposits to total assets | 80.7720% | 4,242 |
| Equity capital to assets | 10.4714% | 3,382 |
| Core capital (leverage) ratio | 10.4117% | 3,015 |
| Tier 1 risk-based capital ratio | 13.2811% | 3,814 |
| Total risk-based capital ratio | 14.5361% | 3,733 |
| Memoranda: | ||
| Average total assets | $353,874,330 | 1,911 |
| Average earning assets | $335,584,000 | 1,878 |
| Average equity | $36,440,330 | 2,006 |
| Average total loans | $291,351,330 | 1,614 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 1,414 |
| Cost of funding earning assets | 0.3627% | 3,384 |
| Net interest margin | 4.1207% | 1,169 |
| Noninterest income to average assets | 1.4725% | 498 |
| Noninterest expense to average assets | 3.9960% | 544 |
| Loan and lease loss provision to assets | 0.1841% | 932 |
| Net operating income to assets | 0.7382% | 3,525 |
| Return on assets (ROA) | 0.7476% | 3,538 |
| Pretax return on assets | 1.2055% | 2,574 |
| Return on Equity (ROE) | 7.3230% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.3230% | 1,734 |
| Net charge-offs to loans | 0.1845% | 922 |
| Credit loss provision to net charge-offs | 121.8045% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.0977% | 2,014 |
| Efficiency ratio | 74.4024% | 2,163 |
| Assets per employee ($millions) | 4.2413% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,436 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.6136% | 750 |
| Net loans and leases to deposits | 98.1741% | 760 |
| Net loans and leases to core deposits | 116.2206% | 587 |
| Total domestic deposits to total assets | 82.1129% | 4,144 |
| Equity capital to assets | 10.3454% | 3,355 |
| Core capital (leverage) ratio | 10.1669% | 3,292 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,012 |
| Total risk-based capital ratio | 14.3765% | 3,912 |
| Memoranda: | ||
| Average total assets | $352,049,000 | 1,923 |
| Average earning assets | $333,053,500 | 1,894 |
| Average equity | $35,941,500 | 2,034 |
| Average total loans | $288,375,000 | 1,634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 1,631 |
| Cost of funding earning assets | 0.3214% | 3,829 |
| Net interest margin | 4.1490% | 1,246 |
| Noninterest income to average assets | 1.6334% | 455 |
| Noninterest expense to average assets | 4.1935% | 490 |
| Loan and lease loss provision to assets | 0.2998% | 630 |
| Net operating income to assets | 0.6508% | 3,996 |
| Return on assets (ROA) | 0.6539% | 4,099 |
| Pretax return on assets | 1.0475% | 3,303 |
| Return on Equity (ROE) | 6.1701% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.1701% | 1,619 |
| Net charge-offs to loans | -0.1176% | 5,632 |
| Credit loss provision to net charge-offs | -308.8328% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7510% | 2,020 |
| Assets per employee ($millions) | 4.2935% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 1,915 |
| Loan loss allowance to noncurrent loans | 8,154.9020% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 3,350 |
| Noncurrent loans to loans | 0.0177% | 5,210 |
| Net loans and leases to total assets | 80.8421% | 763 |
| Net loans and leases to deposits | 101.8107% | 544 |
| Net loans and leases to core deposits | 116.2674% | 607 |
| Total domestic deposits to total assets | 79.4043% | 4,696 |
| Equity capital to assets | 10.0731% | 3,646 |
| Core capital (leverage) ratio | 10.5121% | 2,872 |
| Tier 1 risk-based capital ratio | 12.9617% | 4,103 |
| Total risk-based capital ratio | 14.2169% | 4,003 |
| Memoranda: | ||
| Average total assets | $326,503,400 | 2,024 |
| Average earning assets | $307,113,800 | 1,998 |
| Average equity | $34,602,400 | 2,099 |
| Average total loans | $269,671,400 | 1,678 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 1,722 |
| Cost of funding earning assets | 0.3225% | 3,837 |
| Net interest margin | 4.1191% | 1,345 |
| Noninterest income to average assets | 1.7589% | 415 |
| Noninterest expense to average assets | 4.2851% | 454 |
| Loan and lease loss provision to assets | 0.2899% | 598 |
| Net operating income to assets | 0.6367% | 4,135 |
| Return on assets (ROA) | 0.6498% | 4,206 |
| Pretax return on assets | 1.0721% | 3,344 |
| Return on Equity (ROE) | 6.0487% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.0487% | 2,163 |
| Net charge-offs to loans | -0.1646% | 5,713 |
| Credit loss provision to net charge-offs | -212.8440% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1566% | 1,956 |
| Assets per employee ($millions) | 4.0263% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,293 |
| Loan loss allowance to noncurrent loans | 528.7075% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 2,984 |
| Noncurrent loans to loans | 0.2610% | 4,326 |
| Net loans and leases to total assets | 84.1305% | 399 |
| Net loans and leases to deposits | 102.4177% | 541 |
| Net loans and leases to core deposits | 114.5921% | 702 |
| Total domestic deposits to total assets | 82.1445% | 3,903 |
| Equity capital to assets | 10.7737% | 3,278 |
| Core capital (leverage) ratio | 10.5631% | 2,918 |
| Tier 1 risk-based capital ratio | 13.2762% | 3,990 |
| Total risk-based capital ratio | 14.5316% | 3,901 |
| Memoranda: | ||
| Average total assets | $320,112,250 | 2,060 |
| Average earning assets | $300,575,000 | 2,044 |
| Average equity | $34,387,000 | 2,128 |
| Average total loans | $264,894,750 | 1,707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 1,790 |
| Cost of funding earning assets | 0.3240% | 3,859 |
| Net interest margin | 4.0892% | 1,393 |
| Noninterest income to average assets | 1.6953% | 436 |
| Noninterest expense to average assets | 4.2233% | 481 |
| Loan and lease loss provision to assets | 0.3290% | 509 |
| Net operating income to assets | 0.5918% | 4,314 |
| Return on assets (ROA) | 0.6068% | 4,369 |
| Pretax return on assets | 0.9988% | 3,588 |
| Return on Equity (ROE) | 5.6542% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.6542% | 2,334 |
| Net charge-offs to loans | -0.2499% | 5,850 |
| Credit loss provision to net charge-offs | -160.8025% | 4,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4021% | 2,026 |
| Assets per employee ($millions) | 4.1505% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,456 |
| Loan loss allowance to noncurrent loans | 496.3855% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 2,876 |
| Noncurrent loans to loans | 0.2754% | 4,380 |
| Net loans and leases to total assets | 80.5642% | 817 |
| Net loans and leases to deposits | 100.8342% | 638 |
| Net loans and leases to core deposits | 112.6229% | 786 |
| Total domestic deposits to total assets | 79.8977% | 4,573 |
| Equity capital to assets | 10.4398% | 3,706 |
| Core capital (leverage) ratio | 10.3474% | 3,136 |
| Tier 1 risk-based capital ratio | 12.9952% | 4,200 |
| Total risk-based capital ratio | 14.2510% | 4,113 |
| Memoranda: | ||
| Average total assets | $316,764,330 | 2,087 |
| Average earning assets | $296,881,000 | 2,072 |
| Average equity | $33,992,670 | 2,151 |
| Average total loans | $259,310,330 | 1,743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,541 |
| Cost of funding earning assets | 0.3298% | 3,848 |
| Net interest margin | 4.1583% | 1,196 |
| Noninterest income to average assets | 1.4790% | 513 |
| Noninterest expense to average assets | 4.1691% | 509 |
| Loan and lease loss provision to assets | 0.3947% | 354 |
| Net operating income to assets | 0.5066% | 4,604 |
| Return on assets (ROA) | 0.5422% | 4,558 |
| Pretax return on assets | 0.8864% | 3,900 |
| Return on Equity (ROE) | 4.9796% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.9796% | 2,951 |
| Net charge-offs to loans | -0.4515% | 5,985 |
| Credit loss provision to net charge-offs | -106.6434% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2847% | 1,996 |
| Assets per employee ($millions) | 3.9739% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 2,785 |
| Loan loss allowance to noncurrent loans | 459.9201% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,742 |
| Noncurrent loans to loans | 0.2876% | 4,404 |
| Net loans and leases to total assets | 82.0817% | 548 |
| Net loans and leases to deposits | 97.3598% | 810 |
| Net loans and leases to core deposits | 110.6633% | 818 |
| Total domestic deposits to total assets | 84.3076% | 3,393 |
| Equity capital to assets | 10.8341% | 3,128 |
| Core capital (leverage) ratio | 10.2998% | 3,196 |
| Tier 1 risk-based capital ratio | 13.6457% | 3,903 |
| Total risk-based capital ratio | 14.9025% | 3,826 |
| Memoranda: | ||
| Average total assets | $309,128,000 | 2,135 |
| Average earning assets | $291,082,500 | 2,117 |
| Average equity | $33,657,000 | 2,167 |
| Average total loans | $253,360,000 | 1,774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,195 |
| Cost of funding earning assets | 0.3181% | 4,058 |
| Net interest margin | 3.7127% | 2,702 |
| Noninterest income to average assets | 0.9572% | 1,298 |
| Noninterest expense to average assets | 4.3236% | 473 |
| Loan and lease loss provision to assets | 0.0995% | 2,319 |
| Net operating income to assets | 0.0211% | 5,851 |
| Return on assets (ROA) | 0.0313% | 5,870 |
| Pretax return on assets | 0.0454% | 5,852 |
| Return on Equity (ROE) | 0.2767% | 5,866 |
| Retained earnings to average equity (ytd only) | 0.2767% | 5,401 |
| Net charge-offs to loans | 0.1022% | 2,392 |
| Credit loss provision to net charge-offs | 122.4576% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.6017% | 4,062 |
| Efficiency ratio | 97.0777% | 365 |
| Assets per employee ($millions) | 3.9015% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,673 |
| Loan loss allowance to noncurrent loans | 753.4211% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 2,993 |
| Noncurrent loans to loans | 0.1547% | 4,874 |
| Net loans and leases to total assets | 79.7578% | 874 |
| Net loans and leases to deposits | 96.4894% | 960 |
| Net loans and leases to core deposits | 106.7554% | 1,064 |
| Total domestic deposits to total assets | 82.6597% | 3,956 |
| Equity capital to assets | 10.9431% | 2,879 |
| Core capital (leverage) ratio | 10.4998% | 2,929 |
| Tier 1 risk-based capital ratio | 14.1108% | 3,656 |
| Total risk-based capital ratio | 15.3683% | 3,566 |
| Memoranda: | ||
| Average total assets | $290,431,400 | 2,206 |
| Average earning assets | $273,518,400 | 2,179 |
| Average equity | $32,893,200 | 2,153 |
| Average total loans | $230,869,000 | 1,854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,574 |
| Cost of funding earning assets | 0.3184% | 4,126 |
| Net interest margin | 3.6245% | 3,058 |
| Noninterest income to average assets | 0.9706% | 1,255 |
| Noninterest expense to average assets | 4.4711% | 415 |
| Loan and lease loss provision to assets | 0.0381% | 3,445 |
| Net operating income to assets | -0.0985% | 5,998 |
| Return on assets (ROA) | -0.0827% | 6,014 |
| Pretax return on assets | -0.1027% | 6,013 |
| Return on Equity (ROE) | -0.7238% | 6,012 |
| Retained earnings to average equity (ytd only) | -0.7238% | 5,725 |
| Net charge-offs to loans | 0.1350% | 1,784 |
| Credit loss provision to net charge-offs | 35.6522% | 3,211 |
| Earnings coverage of net charge-offs (x) | -0.7870% | 4,043 |
| Efficiency ratio | 101.9170% | 261 |
| Assets per employee ($millions) | 3.8882% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 4,106 |
| Loan loss allowance to noncurrent loans | 842.4051% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 2,778 |
| Noncurrent loans to loans | 0.1331% | 5,099 |
| Net loans and leases to total assets | 80.5194% | 747 |
| Net loans and leases to deposits | 97.1775% | 891 |
| Net loans and leases to core deposits | 105.5226% | 1,136 |
| Total domestic deposits to total assets | 82.8581% | 3,860 |
| Equity capital to assets | 11.3217% | 2,681 |
| Core capital (leverage) ratio | 10.7600% | 2,761 |
| Tier 1 risk-based capital ratio | 14.2252% | 3,715 |
| Total risk-based capital ratio | 15.4584% | 3,656 |
| Memoranda: | ||
| Average total assets | $286,959,250 | 2,246 |
| Average earning assets | $270,484,000 | 2,213 |
| Average equity | $32,791,000 | 2,175 |
| Average total loans | $227,190,750 | 1,890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,759 |
| Cost of funding earning assets | 0.3173% | 4,196 |
| Net interest margin | 3.5657% | 3,225 |
| Noninterest income to average assets | 0.9502% | 1,300 |
| Noninterest expense to average assets | 4.5626% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1703% | 6,085 |
| Return on assets (ROA) | -0.1689% | 6,113 |
| Pretax return on assets | -0.2481% | 6,129 |
| Return on Equity (ROE) | -1.4733% | 6,104 |
| Retained earnings to average equity (ytd only) | -1.4733% | 5,767 |
| Net charge-offs to loans | 0.0241% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -13.2222% | 3,851 |
| Efficiency ratio | 105.8011% | 220 |
| Assets per employee ($millions) | 4.0087% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 3,795 |
| Loan loss allowance to noncurrent loans | 79.9483% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 1,160 |
| Noncurrent loans to loans | 1.4997% | 1,774 |
| Net loans and leases to total assets | 77.3079% | 1,164 |
| Net loans and leases to deposits | 96.1217% | 953 |
| Net loans and leases to core deposits | 101.3497% | 1,372 |
| Total domestic deposits to total assets | 80.4271% | 4,770 |
| Equity capital to assets | 10.9757% | 2,913 |
| Core capital (leverage) ratio | 10.7823% | 2,636 |
| Tier 1 risk-based capital ratio | 14.2636% | 3,783 |
| Total risk-based capital ratio | 15.5219% | 3,706 |
| Memoranda: | ||
| Average total assets | $285,406,330 | 2,265 |
| Average earning assets | $269,123,330 | 2,240 |
| Average equity | $32,716,000 | 2,186 |
| Average total loans | $223,764,000 | 1,921 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,673 |
| Cost of funding earning assets | 0.3218% | 4,199 |
| Net interest margin | 3.5657% | 3,149 |
| Noninterest income to average assets | 0.8778% | 1,464 |
| Noninterest expense to average assets | 4.5792% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2215% | 6,156 |
| Return on assets (ROA) | -0.2187% | 6,177 |
| Pretax return on assets | -0.3388% | 6,200 |
| Return on Equity (ROE) | -1.8662% | 6,167 |
| Retained earnings to average equity (ytd only) | -1.8662% | 5,676 |
| Net charge-offs to loans | -0.0109% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0999% | 212 |
| Assets per employee ($millions) | 3.7825% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,650 |
| Loan loss allowance to noncurrent loans | 82.9455% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.9474% | 1,233 |
| Noncurrent loans to loans | 1.5153% | 1,861 |
| Net loans and leases to total assets | 76.9605% | 1,063 |
| Net loans and leases to deposits | 92.2693% | 1,155 |
| Net loans and leases to core deposits | 98.6727% | 1,412 |
| Total domestic deposits to total assets | 83.4085% | 4,043 |
| Equity capital to assets | 11.4361% | 2,527 |
| Core capital (leverage) ratio | 10.9849% | 2,425 |
| Tier 1 risk-based capital ratio | 14.3446% | 3,803 |
| Total risk-based capital ratio | 15.6034% | 3,721 |
| Memoranda: | ||
| Average total assets | $279,787,000 | 2,313 |
| Average earning assets | $263,510,000 | 2,289 |
| Average equity | $32,794,500 | 2,191 |
| Average total loans | $219,589,500 | 1,941 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,203 |
| Cost of funding earning assets | 0.3585% | 4,156 |
| Net interest margin | 3.7722% | 2,722 |
| Noninterest income to average assets | 0.4833% | 3,629 |
| Noninterest expense to average assets | 3.8057% | 982 |
| Loan and lease loss provision to assets | -0.1702% | 6,252 |
| Net operating income to assets | 0.2246% | 5,716 |
| Return on assets (ROA) | 0.2264% | 5,775 |
| Pretax return on assets | 0.3826% | 5,528 |
| Return on Equity (ROE) | 1.9996% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.9996% | 4,789 |
| Net charge-offs to loans | -0.1822% | 6,246 |
| Credit loss provision to net charge-offs | 124.0209% | 1,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7800% | 557 |
| Assets per employee ($millions) | 3.6771% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,387 |
| Loan loss allowance to noncurrent loans | 137.6776% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 1,551 |
| Noncurrent loans to loans | 0.9487% | 2,954 |
| Net loans and leases to total assets | 78.0270% | 996 |
| Net loans and leases to deposits | 94.9730% | 997 |
| Net loans and leases to core deposits | 98.7544% | 1,486 |
| Total domestic deposits to total assets | 82.1570% | 4,361 |
| Equity capital to assets | 12.0225% | 2,005 |
| Core capital (leverage) ratio | 10.9188% | 2,480 |
| Tier 1 risk-based capital ratio | 14.6890% | 3,668 |
| Total risk-based capital ratio | 15.9402% | 3,589 |
| Memoranda: | ||
| Average total assets | $279,107,600 | 2,286 |
| Average earning assets | $261,333,200 | 2,265 |
| Average equity | $31,606,800 | 2,186 |
| Average total loans | $210,165,600 | 1,973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,138 |
| Cost of funding earning assets | 0.3670% | 4,158 |
| Net interest margin | 3.7902% | 2,656 |
| Noninterest income to average assets | 0.4638% | 3,779 |
| Noninterest expense to average assets | 3.5134% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2971% | 5,594 |
| Return on assets (ROA) | 0.2996% | 5,658 |
| Pretax return on assets | 0.4985% | 5,330 |
| Return on Equity (ROE) | 2.6853% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.6853% | 4,677 |
| Net charge-offs to loans | -0.1902% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6584% | 1,033 |
| Assets per employee ($millions) | 3.7508% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 2,861 |
| Loan loss allowance to noncurrent loans | 154.7389% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 1,577 |
| Noncurrent loans to loans | 0.9493% | 3,186 |
| Net loans and leases to total assets | 76.3041% | 1,181 |
| Net loans and leases to deposits | 91.5868% | 1,274 |
| Net loans and leases to core deposits | 101.2424% | 1,268 |
| Total domestic deposits to total assets | 83.3134% | 4,023 |
| Equity capital to assets | 11.4493% | 2,535 |
| Core capital (leverage) ratio | 10.7850% | 2,710 |
| Tier 1 risk-based capital ratio | 14.3815% | 3,962 |
| Total risk-based capital ratio | 15.6351% | 3,896 |
| Memoranda: | ||
| Average total assets | $280,857,750 | 2,284 |
| Average earning assets | $262,634,000 | 2,270 |
| Average equity | $31,330,000 | 2,208 |
| Average total loans | $208,925,250 | 1,994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 2,878 |
| Cost of funding earning assets | 0.3737% | 4,170 |
| Net interest margin | 3.8471% | 2,393 |
| Noninterest income to average assets | 0.3057% | 4,957 |
| Noninterest expense to average assets | 3.3857% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3124% | 5,528 |
| Return on assets (ROA) | 0.2964% | 5,645 |
| Pretax return on assets | 0.4888% | 5,307 |
| Return on Equity (ROE) | 2.6806% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.6806% | 4,502 |
| Net charge-offs to loans | -0.2603% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8262% | 1,189 |
| Assets per employee ($millions) | 4.8128% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 2,875 |
| Loan loss allowance to noncurrent loans | 86.7780% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 1,250 |
| Noncurrent loans to loans | 1.7345% | 1,989 |
| Net loans and leases to total assets | 71.8356% | 1,773 |
| Net loans and leases to deposits | 86.7158% | 1,748 |
| Net loans and leases to core deposits | 98.4079% | 1,412 |
| Total domestic deposits to total assets | 82.8403% | 4,365 |
| Equity capital to assets | 11.0109% | 2,867 |
| Core capital (leverage) ratio | 10.7029% | 2,721 |
| Tier 1 risk-based capital ratio | 14.5126% | 3,926 |
| Total risk-based capital ratio | 15.7661% | 3,860 |
| Memoranda: | ||
| Average total assets | $280,707,000 | 2,285 |
| Average earning assets | $262,226,330 | 2,268 |
| Average equity | $31,037,330 | 2,213 |
| Average total loans | $205,950,000 | 2,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,911 |
| Cost of funding earning assets | 0.3829% | 4,160 |
| Net interest margin | 4.0846% | 1,508 |
| Noninterest income to average assets | 0.1720% | 5,939 |
| Noninterest expense to average assets | 3.5420% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2623% | 5,619 |
| Return on assets (ROA) | 0.2299% | 5,767 |
| Pretax return on assets | 0.3889% | 5,488 |
| Return on Equity (ROE) | 2.0745% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.0745% | 4,771 |
| Net charge-offs to loans | -0.8624% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9615% | 1,131 |
| Assets per employee ($millions) | 4.8385% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 2,738 |
| Loan loss allowance to noncurrent loans | 83.7303% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.5735% | 1,225 |
| Noncurrent loans to loans | 1.9020% | 1,992 |
| Net loans and leases to total assets | 73.5432% | 1,341 |
| Net loans and leases to deposits | 86.3752% | 1,550 |
| Net loans and leases to core deposits | 97.9888% | 1,239 |
| Total domestic deposits to total assets | 85.1438% | 3,803 |
| Equity capital to assets | 11.0779% | 2,651 |
| Core capital (leverage) ratio | 10.6532% | 2,760 |
| Tier 1 risk-based capital ratio | 14.5141% | 4,000 |
| Total risk-based capital ratio | 15.7690% | 3,954 |
| Memoranda: | ||
| Average total assets | $276,676,000 | 2,324 |
| Average earning assets | $258,043,500 | 2,298 |
| Average equity | $30,658,000 | 2,232 |
| Average total loans | $203,620,500 | 2,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,913 |
| Cost of funding earning assets | 0.4902% | 3,708 |
| Net interest margin | 3.5620% | 3,632 |
| Noninterest income to average assets | 0.6535% | 2,791 |
| Noninterest expense to average assets | 3.5271% | 1,600 |
| Loan and lease loss provision to assets | 0.0126% | 4,870 |
| Net operating income to assets | 1.7584% | 523 |
| Return on assets (ROA) | 1.7748% | 523 |
| Pretax return on assets | 0.4216% | 5,435 |
| Return on Equity (ROE) | 16.9512% | 508 |
| Retained earnings to average equity (ytd only) | 16.9512% | 124 |
| Net charge-offs to loans | -0.0828% | 6,436 |
| Credit loss provision to net charge-offs | -21.2903% | 5,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4085% | 1,073 |
| Assets per employee ($millions) | 4.6224% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,334 |
| Loan loss allowance to noncurrent loans | 77.7808% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.8755% | 1,121 |
| Noncurrent loans to loans | 1.8890% | 2,129 |
| Net loans and leases to total assets | 71.3601% | 1,780 |
| Net loans and leases to deposits | 83.8517% | 1,958 |
| Net loans and leases to core deposits | 91.3839% | 1,862 |
| Total domestic deposits to total assets | 85.1027% | 3,691 |
| Equity capital to assets | 11.0839% | 2,537 |
| Core capital (leverage) ratio | 10.6480% | 2,730 |
| Tier 1 risk-based capital ratio | 15.0582% | 3,634 |
| Total risk-based capital ratio | 16.3117% | 3,574 |
| Memoranda: | ||
| Average total assets | $261,831,200 | 2,419 |
| Average earning assets | $241,942,400 | 2,408 |
| Average equity | $27,414,000 | 2,421 |
| Average total loans | $187,299,800 | 2,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,982 |
| Cost of funding earning assets | 0.5051% | 3,723 |
| Net interest margin | 3.5338% | 3,740 |
| Noninterest income to average assets | 0.6942% | 2,643 |
| Noninterest expense to average assets | 3.5572% | 1,481 |
| Loan and lease loss provision to assets | 0.0170% | 4,672 |
| Net operating income to assets | 0.3782% | 5,339 |
| Return on assets (ROA) | 0.3998% | 5,379 |
| Pretax return on assets | 0.3998% | 5,622 |
| Return on Equity (ROE) | 3.8785% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.8785% | 3,929 |
| Net charge-offs to loans | -0.1573% | 6,603 |
| Credit loss provision to net charge-offs | -15.1376% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0013% | 992 |
| Assets per employee ($millions) | 4.7047% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 3,373 |
| Loan loss allowance to noncurrent loans | 75.5284% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 3.2634% | 1,082 |
| Noncurrent loans to loans | 2.0115% | 2,235 |
| Net loans and leases to total assets | 70.4563% | 1,882 |
| Net loans and leases to deposits | 81.7722% | 2,166 |
| Net loans and leases to core deposits | 90.9520% | 1,875 |
| Total domestic deposits to total assets | 86.1617% | 3,153 |
| Equity capital to assets | 9.4084% | 4,664 |
| Core capital (leverage) ratio | 10.5444% | 2,957 |
| Tier 1 risk-based capital ratio | 14.7433% | 3,919 |
| Total risk-based capital ratio | 15.9973% | 3,879 |
| Memoranda: | ||
| Average total assets | $259,108,750 | 2,463 |
| Average earning assets | $238,905,000 | 2,450 |
| Average equity | $26,710,500 | 2,509 |
| Average total loans | $184,745,750 | 2,160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 4,146 |
| Cost of funding earning assets | 0.5337% | 3,564 |
| Net interest margin | 3.4563% | 3,974 |
| Noninterest income to average assets | 0.7709% | 2,321 |
| Noninterest expense to average assets | 3.6327% | 1,363 |
| Loan and lease loss provision to assets | 0.0259% | 4,401 |
| Net operating income to assets | 0.2774% | 5,677 |
| Return on assets (ROA) | 0.3104% | 5,718 |
| Pretax return on assets | 0.3104% | 5,849 |
| Return on Equity (ROE) | 2.9198% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.9198% | 4,453 |
| Net charge-offs to loans | -0.2891% | 6,746 |
| Credit loss provision to net charge-offs | -12.5954% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2939% | 879 |
| Assets per employee ($millions) | 4.3384% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,000 |
| Loan loss allowance to noncurrent loans | 72.1410% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 3.5436% | 1,073 |
| Noncurrent loans to loans | 2.2778% | 2,083 |
| Net loans and leases to total assets | 69.1898% | 2,036 |
| Net loans and leases to deposits | 82.0769% | 2,050 |
| Net loans and leases to core deposits | 89.6178% | 1,939 |
| Total domestic deposits to total assets | 84.2987% | 4,202 |
| Equity capital to assets | 10.0272% | 3,881 |
| Core capital (leverage) ratio | 10.8406% | 2,513 |
| Tier 1 risk-based capital ratio | 15.2895% | 3,605 |
| Total risk-based capital ratio | 16.5448% | 3,559 |
| Memoranda: | ||
| Average total assets | $254,520,330 | 2,511 |
| Average earning assets | $233,081,000 | 2,508 |
| Average equity | $27,056,330 | 2,483 |
| Average total loans | $181,253,330 | 2,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,925 |
| Cost of funding earning assets | 0.5636% | 3,444 |
| Net interest margin | 3.4853% | 3,765 |
| Noninterest income to average assets | 0.7742% | 2,236 |
| Noninterest expense to average assets | 3.6625% | 1,313 |
| Loan and lease loss provision to assets | 0.0270% | 4,130 |
| Net operating income to assets | 0.2305% | 5,788 |
| Return on assets (ROA) | 0.1955% | 6,018 |
| Pretax return on assets | 0.1955% | 6,091 |
| Return on Equity (ROE) | 1.7869% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.7869% | 5,095 |
| Net charge-offs to loans | -0.0222% | 5,762 |
| Credit loss provision to net charge-offs | -170.0000% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4307% | 880 |
| Assets per employee ($millions) | 4.1873% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,661 |
| Loan loss allowance to noncurrent loans | 28.4041% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 5.7496% | 582 |
| Noncurrent loans to loans | 5.4182% | 672 |
| Net loans and leases to total assets | 69.7996% | 1,697 |
| Net loans and leases to deposits | 81.7187% | 1,869 |
| Net loans and leases to core deposits | 89.5430% | 1,746 |
| Total domestic deposits to total assets | 85.4145% | 3,837 |
| Equity capital to assets | 11.0040% | 2,954 |
| Core capital (leverage) ratio | 10.8412% | 2,414 |
| Tier 1 risk-based capital ratio | 15.4562% | 3,552 |
| Total risk-based capital ratio | 16.7098% | 3,511 |
| Memoranda: | ||
| Average total assets | $251,629,000 | 2,564 |
| Average earning assets | $227,127,000 | 2,595 |
| Average equity | $27,534,000 | 2,481 |
| Average total loans | $180,324,000 | 2,211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 4,590 |
| Cost of funding earning assets | 0.7105% | 3,408 |
| Net interest margin | 3.4900% | 4,534 |
| Noninterest income to average assets | 0.6880% | 2,783 |
| Noninterest expense to average assets | 3.6578% | 1,491 |
| Loan and lease loss provision to assets | 0.4457% | 1,417 |
| Net operating income to assets | -0.1884% | 6,370 |
| Return on assets (ROA) | 0.2667% | 5,800 |
| Pretax return on assets | 0.2667% | 5,887 |
| Return on Equity (ROE) | 2.5244% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.5244% | 4,451 |
| Net charge-offs to loans | 1.2276% | 814 |
| Credit loss provision to net charge-offs | 50.1745% | 4,698 |
| Earnings coverage of net charge-offs (x) | 0.2897% | 5,336 |
| Efficiency ratio | 93.4264% | 834 |
| Assets per employee ($millions) | 4.2716% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,804 |
| Loan loss allowance to noncurrent loans | 26.5818% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 6.1479% | 553 |
| Noncurrent loans to loans | 5.5931% | 658 |
| Net loans and leases to total assets | 71.3554% | 1,595 |
| Net loans and leases to deposits | 83.1359% | 1,866 |
| Net loans and leases to core deposits | 90.5366% | 1,777 |
| Total domestic deposits to total assets | 85.8299% | 3,441 |
| Equity capital to assets | 10.8808% | 3,088 |
| Core capital (leverage) ratio | 10.5188% | 2,742 |
| Tier 1 risk-based capital ratio | 14.9277% | 3,758 |
| Total risk-based capital ratio | 16.1808% | 3,710 |
| Memoranda: | ||
| Average total assets | $257,998,200 | 2,458 |
| Average earning assets | $238,568,600 | 2,428 |
| Average equity | $27,253,800 | 2,466 |
| Average total loans | $186,698,200 | 2,123 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 5,007 |
| Cost of funding earning assets | 0.7104% | 3,677 |
| Net interest margin | 3.4359% | 4,898 |
| Noninterest income to average assets | 0.6243% | 3,134 |
| Noninterest expense to average assets | 3.6568% | 1,441 |
| Loan and lease loss provision to assets | 0.0771% | 4,677 |
| Net operating income to assets | 0.1187% | 6,093 |
| Return on assets (ROA) | 0.3103% | 5,786 |
| Pretax return on assets | 0.3103% | 5,937 |
| Return on Equity (ROE) | 2.9594% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.9594% | 4,780 |
| Net charge-offs to loans | 0.6584% | 1,662 |
| Credit loss provision to net charge-offs | 16.1812% | 5,006 |
| Earnings coverage of net charge-offs (x) | 0.4110% | 5,122 |
| Efficiency ratio | 94.9186% | 716 |
| Assets per employee ($millions) | 4.4265% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,360 |
| Loan loss allowance to noncurrent loans | 26.7507% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 6.0821% | 649 |
| Noncurrent loans to loans | 6.1418% | 650 |
| Net loans and leases to total assets | 71.7959% | 1,588 |
| Net loans and leases to deposits | 83.6332% | 1,911 |
| Net loans and leases to core deposits | 94.1034% | 1,577 |
| Total domestic deposits to total assets | 85.8462% | 3,333 |
| Equity capital to assets | 11.0413% | 3,220 |
| Core capital (leverage) ratio | 10.4013% | 3,036 |
| Tier 1 risk-based capital ratio | 14.8896% | 3,927 |
| Total risk-based capital ratio | 16.1454% | 3,881 |
| Memoranda: | ||
| Average total assets | $259,492,000 | 2,466 |
| Average earning assets | $243,809,500 | 2,411 |
| Average equity | $27,211,750 | 2,490 |
| Average total loans | $187,736,250 | 2,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 5,249 |
| Cost of funding earning assets | 0.7418% | 3,670 |
| Net interest margin | 3.3765% | 5,182 |
| Noninterest income to average assets | 0.5338% | 3,697 |
| Noninterest expense to average assets | 3.6350% | 1,501 |
| Loan and lease loss provision to assets | 0.1152% | 4,085 |
| Net operating income to assets | -0.0492% | 6,383 |
| Return on assets (ROA) | 0.1935% | 6,120 |
| Pretax return on assets | 0.1935% | 6,161 |
| Return on Equity (ROE) | 1.8783% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.8783% | 5,265 |
| Net charge-offs to loans | 0.6282% | 1,747 |
| Credit loss provision to net charge-offs | 25.4237% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.1458% | 5,001 |
| Efficiency ratio | 98.2154% | 615 |
| Assets per employee ($millions) | 4.7707% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 2,570 |
| Loan loss allowance to noncurrent loans | 27.2626% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 6.3520% | 652 |
| Noncurrent loans to loans | 6.9566% | 561 |
| Net loans and leases to total assets | 67.3428% | 2,400 |
| Net loans and leases to deposits | 77.9802% | 2,673 |
| Net loans and leases to core deposits | 89.2965% | 2,064 |
| Total domestic deposits to total assets | 86.3588% | 3,160 |
| Equity capital to assets | 10.4036% | 3,808 |
| Core capital (leverage) ratio | 10.0004% | 3,419 |
| Tier 1 risk-based capital ratio | 14.8799% | 3,850 |
| Total risk-based capital ratio | 16.1387% | 3,795 |
| Memoranda: | ||
| Average total assets | $260,410,670 | 2,458 |
| Average earning assets | $244,274,670 | 2,406 |
| Average equity | $26,833,330 | 2,497 |
| Average total loans | $187,846,670 | 2,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 4,801 |
| Cost of funding earning assets | 0.7601% | 3,787 |
| Net interest margin | 3.5232% | 4,588 |
| Noninterest income to average assets | 0.4795% | 4,067 |
| Noninterest expense to average assets | 3.6419% | 1,475 |
| Loan and lease loss provision to assets | 0.2313% | 2,636 |
| Net operating income to assets | -0.0848% | 6,515 |
| Return on assets (ROA) | 0.2575% | 5,946 |
| Pretax return on assets | 0.2575% | 6,066 |
| Return on Equity (ROE) | 2.5112% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.5112% | 5,001 |
| Net charge-offs to loans | 0.4569% | 1,953 |
| Credit loss provision to net charge-offs | 68.4932% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.4338% | 4,132 |
| Efficiency ratio | 96.1335% | 716 |
| Assets per employee ($millions) | 4.8028% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 2,449 |
| Loan loss allowance to noncurrent loans | 31.0843% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 7.1236% | 591 |
| Noncurrent loans to loans | 6.3372% | 757 |
| Net loans and leases to total assets | 72.6652% | 1,282 |
| Net loans and leases to deposits | 83.8083% | 1,686 |
| Net loans and leases to core deposits | 98.3334% | 1,111 |
| Total domestic deposits to total assets | 86.7041% | 3,115 |
| Equity capital to assets | 10.2749% | 3,757 |
| Core capital (leverage) ratio | 9.8229% | 3,608 |
| Tier 1 risk-based capital ratio | 13.8541% | 4,567 |
| Total risk-based capital ratio | 15.1145% | 4,538 |
| Memoranda: | ||
| Average total assets | $259,421,500 | 2,484 |
| Average earning assets | $243,643,500 | 2,421 |
| Average equity | $26,601,000 | 2,514 |
| Average total loans | $191,712,000 | 2,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 4,848 |
| Cost of funding earning assets | 0.9023% | 4,099 |
| Net interest margin | 3.6546% | 4,496 |
| Noninterest income to average assets | 0.4649% | 4,093 |
| Noninterest expense to average assets | 3.4780% | 2,041 |
| Loan and lease loss provision to assets | 0.3375% | 2,995 |
| Net operating income to assets | 0.0835% | 5,898 |
| Return on assets (ROA) | 0.3614% | 5,193 |
| Pretax return on assets | 0.3614% | 5,400 |
| Return on Equity (ROE) | 3.6099% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.6099% | 3,645 |
| Net charge-offs to loans | 0.2651% | 4,115 |
| Credit loss provision to net charge-offs | 170.8333% | 1,570 |
| Earnings coverage of net charge-offs (x) | 2.1310% | 4,189 |
| Efficiency ratio | 89.2028% | 1,251 |
| Assets per employee ($millions) | 4.8054% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0170% | 2,224 |
| Loan loss allowance to noncurrent loans | 26.5163% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 7.3540% | 608 |
| Noncurrent loans to loans | 7.6065% | 546 |
| Net loans and leases to total assets | 72.1884% | 1,616 |
| Net loans and leases to deposits | 84.6570% | 1,845 |
| Net loans and leases to core deposits | 117.1450% | 415 |
| Total domestic deposits to total assets | 85.2716% | 3,709 |
| Equity capital to assets | 10.2331% | 3,873 |
| Core capital (leverage) ratio | 9.7009% | 3,748 |
| Tier 1 risk-based capital ratio | 13.7309% | 4,536 |
| Total risk-based capital ratio | 14.9914% | 4,489 |
| Memoranda: | ||
| Average total assets | $255,116,800 | 2,471 |
| Average earning assets | $239,724,800 | 2,409 |
| Average equity | $25,540,600 | 2,517 |
| Average total loans | $190,084,200 | 2,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 4,791 |
| Cost of funding earning assets | 0.9374% | 4,134 |
| Net interest margin | 3.6816% | 4,423 |
| Noninterest income to average assets | 0.3548% | 5,019 |
| Noninterest expense to average assets | 3.5193% | 1,892 |
| Loan and lease loss provision to assets | 0.3732% | 2,613 |
| Net operating income to assets | -0.0808% | 6,261 |
| Return on assets (ROA) | 0.2908% | 5,600 |
| Pretax return on assets | 0.2908% | 5,718 |
| Return on Equity (ROE) | 2.9210% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.9210% | 4,607 |
| Net charge-offs to loans | 0.2037% | 4,175 |
| Credit loss provision to net charge-offs | 245.1724% | 1,168 |
| Earnings coverage of net charge-offs (x) | 1.9207% | 4,215 |
| Efficiency ratio | 92.3299% | 1,008 |
| Assets per employee ($millions) | 4.7279% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,304 |
| Loan loss allowance to noncurrent loans | 29.9809% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 7.0084% | 704 |
| Noncurrent loans to loans | 6.7116% | 764 |
| Net loans and leases to total assets | 74.7700% | 1,185 |
| Net loans and leases to deposits | 87.3225% | 1,517 |
| Net loans and leases to core deposits | 129.6502% | 251 |
| Total domestic deposits to total assets | 85.6251% | 3,429 |
| Equity capital to assets | 10.3718% | 3,864 |
| Core capital (leverage) ratio | 9.6877% | 3,870 |
| Tier 1 risk-based capital ratio | 13.4512% | 4,772 |
| Total risk-based capital ratio | 14.7122% | 4,732 |
| Memoranda: | ||
| Average total assets | $254,023,000 | 2,493 |
| Average earning assets | $238,513,500 | 2,419 |
| Average equity | $25,287,250 | 2,540 |
| Average total loans | $189,810,500 | 2,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 4,588 |
| Cost of funding earning assets | 0.9702% | 4,170 |
| Net interest margin | 3.7170% | 4,188 |
| Noninterest income to average assets | 0.4164% | 4,541 |
| Noninterest expense to average assets | 3.6231% | 1,694 |
| Loan and lease loss provision to assets | 0.4432% | 2,223 |
| Net operating income to assets | -0.1633% | 6,435 |
| Return on assets (ROA) | 0.2516% | 5,679 |
| Pretax return on assets | 0.2516% | 5,805 |
| Return on Equity (ROE) | 2.5633% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.5633% | 4,663 |
| Net charge-offs to loans | 0.1584% | 4,229 |
| Credit loss provision to net charge-offs | 377.1812% | 798 |
| Earnings coverage of net charge-offs (x) | 2.3826% | 3,630 |
| Efficiency ratio | 92.8268% | 1,048 |
| Assets per employee ($millions) | 4.8454% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 2,242 |
| Loan loss allowance to noncurrent loans | 34.7795% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 6.3332% | 857 |
| Noncurrent loans to loans | 5.8830% | 1,032 |
| Net loans and leases to total assets | 72.9285% | 1,606 |
| Net loans and leases to deposits | 84.0442% | 2,101 |
| Net loans and leases to core deposits | 124.8801% | 328 |
| Total domestic deposits to total assets | 86.7740% | 2,871 |
| Equity capital to assets | 10.0212% | 4,119 |
| Core capital (leverage) ratio | 9.5870% | 3,832 |
| Tier 1 risk-based capital ratio | 13.4130% | 4,597 |
| Total risk-based capital ratio | 14.6740% | 4,574 |
| Memoranda: | ||
| Average total assets | $253,595,000 | 2,507 |
| Average earning assets | $237,877,000 | 2,446 |
| Average equity | $24,889,670 | 2,570 |
| Average total loans | $188,143,000 | 2,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 4,362 |
| Cost of funding earning assets | 0.9976% | 4,220 |
| Net interest margin | 3.7346% | 3,924 |
| Noninterest income to average assets | 0.6222% | 3,026 |
| Noninterest expense to average assets | 3.7700% | 1,394 |
| Loan and lease loss provision to assets | 0.8905% | 909 |
| Net operating income to assets | -0.5381% | 6,823 |
| Return on assets (ROA) | 0.1667% | 5,947 |
| Pretax return on assets | 0.1667% | 6,011 |
| Return on Equity (ROE) | 1.7166% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.7166% | 5,093 |
| Net charge-offs to loans | 0.0343% | 4,619 |
| Credit loss provision to net charge-offs | 3,506.2500% | 102 |
| Earnings coverage of net charge-offs (x) | 13.8750% | 1,400 |
| Efficiency ratio | 91.4517% | 1,210 |
| Assets per employee ($millions) | 4.6739% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 2,037 |
| Loan loss allowance to noncurrent loans | 45.2400% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 5.5141% | 1,097 |
| Noncurrent loans to loans | 4.7878% | 1,427 |
| Net loans and leases to total assets | 71.0557% | 1,904 |
| Net loans and leases to deposits | 82.5765% | 2,260 |
| Net loans and leases to core deposits | 119.9060% | 418 |
| Total domestic deposits to total assets | 86.0483% | 3,501 |
| Equity capital to assets | 9.4649% | 4,485 |
| Core capital (leverage) ratio | 9.6055% | 3,655 |
| Tier 1 risk-based capital ratio | 13.0374% | 4,802 |
| Total risk-based capital ratio | 14.2987% | 4,776 |
| Memoranda: | ||
| Average total assets | $251,990,000 | 2,551 |
| Average earning assets | $236,172,500 | 2,485 |
| Average equity | $24,467,000 | 2,599 |
| Average total loans | $186,616,500 | 2,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 5,550 |
| Cost of funding earning assets | 1.4144% | 3,172 |
| Net interest margin | 3.3525% | 5,782 |
| Noninterest income to average assets | 0.4683% | 4,391 |
| Noninterest expense to average assets | 3.5970% | 1,936 |
| Loan and lease loss provision to assets | 0.6856% | 2,400 |
| Net operating income to assets | -0.6882% | 6,507 |
| Return on assets (ROA) | -0.5720% | 6,462 |
| Pretax return on assets | -0.5720% | 6,377 |
| Return on Equity (ROE) | -5.9573% | 6,495 |
| Retained earnings to average equity (ytd only) | -5.9573% | 6,378 |
| Net charge-offs to loans | 1.3015% | 1,715 |
| Credit loss provision to net charge-offs | 70.4121% | 5,856 |
| Earnings coverage of net charge-offs (x) | -0.0027% | 6,131 |
| Efficiency ratio | 100.0737% | 771 |
| Assets per employee ($millions) | 4.4893% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 2,626 |
| Loan loss allowance to noncurrent loans | 26.4615% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 7.5755% | 682 |
| Noncurrent loans to loans | 7.0890% | 790 |
| Net loans and leases to total assets | 74.1270% | 1,635 |
| Net loans and leases to deposits | 85.6137% | 2,167 |
| Net loans and leases to core deposits | 125.1025% | 408 |
| Total domestic deposits to total assets | 86.5832% | 3,038 |
| Equity capital to assets | 9.9642% | 3,788 |
| Core capital (leverage) ratio | 9.5146% | 3,690 |
| Tier 1 risk-based capital ratio | 12.9427% | 4,639 |
| Total risk-based capital ratio | 14.2008% | 4,608 |
| Memoranda: | ||
| Average total assets | $264,163,400 | 2,413 |
| Average earning assets | $246,327,200 | 2,367 |
| Average equity | $25,363,800 | 2,513 |
| Average total loans | $197,622,000 | 2,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 5,860 |
| Cost of funding earning assets | 1.5090% | 2,920 |
| Net interest margin | 3.2397% | 6,207 |
| Noninterest income to average assets | 0.3367% | 5,473 |
| Noninterest expense to average assets | 3.5791% | 1,836 |
| Loan and lease loss provision to assets | 0.6034% | 2,529 |
| Net operating income to assets | -0.8274% | 6,802 |
| Return on assets (ROA) | -0.6838% | 6,770 |
| Pretax return on assets | -0.6838% | 6,669 |
| Return on Equity (ROE) | -7.1846% | 6,798 |
| Retained earnings to average equity (ytd only) | -7.1846% | 6,725 |
| Net charge-offs to loans | 0.4837% | 3,340 |
| Credit loss provision to net charge-offs | 167.1252% | 2,228 |
| Earnings coverage of net charge-offs (x) | -0.6204% | 6,367 |
| Efficiency ratio | 106.6755% | 586 |
| Assets per employee ($millions) | 4.5098% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4110% | 1,460 |
| Loan loss allowance to noncurrent loans | 38.0754% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 6.9975% | 778 |
| Noncurrent loans to loans | 6.3322% | 954 |
| Net loans and leases to total assets | 76.0975% | 1,393 |
| Net loans and leases to deposits | 90.3591% | 1,674 |
| Net loans and leases to core deposits | 132.3522% | 345 |
| Total domestic deposits to total assets | 84.2168% | 3,997 |
| Equity capital to assets | 9.9815% | 4,178 |
| Core capital (leverage) ratio | 9.5196% | 3,877 |
| Tier 1 risk-based capital ratio | 12.3704% | 5,101 |
| Total risk-based capital ratio | 13.6354% | 5,063 |
| Memoranda: | ||
| Average total assets | $268,475,750 | 2,411 |
| Average earning assets | $250,142,000 | 2,372 |
| Average equity | $25,554,000 | 2,537 |
| Average total loans | $200,395,250 | 2,183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 5,913 |
| Cost of funding earning assets | 1.6154% | 2,575 |
| Net interest margin | 3.1485% | 6,467 |
| Noninterest income to average assets | 0.3141% | 5,647 |
| Noninterest expense to average assets | 3.5400% | 1,929 |
| Loan and lease loss provision to assets | 0.5267% | 2,681 |
| Net operating income to assets | -0.8211% | 6,872 |
| Return on assets (ROA) | -0.6107% | 6,776 |
| Pretax return on assets | -0.6107% | 6,665 |
| Return on Equity (ROE) | -6.5136% | 6,804 |
| Retained earnings to average equity (ytd only) | -6.5136% | 6,698 |
| Net charge-offs to loans | 0.5329% | 2,934 |
| Credit loss provision to net charge-offs | 134.2644% | 2,989 |
| Earnings coverage of net charge-offs (x) | -0.7505% | 6,081 |
| Efficiency ratio | 109.0704% | 565 |
| Assets per employee ($millions) | 4.5412% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 1,627 |
| Loan loss allowance to noncurrent loans | 47.8055% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 5.9196% | 1,005 |
| Noncurrent loans to loans | 4.7627% | 1,484 |
| Net loans and leases to total assets | 75.0037% | 1,695 |
| Net loans and leases to deposits | 88.9965% | 2,003 |
| Net loans and leases to core deposits | 134.9734% | 345 |
| Total domestic deposits to total assets | 84.2772% | 3,972 |
| Equity capital to assets | 10.0713% | 3,922 |
| Core capital (leverage) ratio | 9.3633% | 4,022 |
| Tier 1 risk-based capital ratio | 12.4670% | 4,892 |
| Total risk-based capital ratio | 13.7293% | 4,859 |
| Memoranda: | ||
| Average total assets | $273,785,330 | 2,376 |
| Average earning assets | $254,918,000 | 2,351 |
| Average equity | $25,669,330 | 2,521 |
| Average total loans | $201,550,330 | 2,202 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 6,287 |
| Cost of funding earning assets | 1.7255% | 2,266 |
| Net interest margin | 2.9626% | 6,912 |
| Noninterest income to average assets | 0.3118% | 5,656 |
| Noninterest expense to average assets | 3.4635% | 2,071 |
| Loan and lease loss provision to assets | 0.5996% | 2,119 |
| Net operating income to assets | -0.9876% | 7,097 |
| Return on assets (ROA) | -0.8705% | 7,076 |
| Pretax return on assets | -0.8705% | 6,990 |
| Return on Equity (ROE) | -9.6039% | 7,123 |
| Retained earnings to average equity (ytd only) | -9.6039% | 6,939 |
| Net charge-offs to loans | 0.8343% | 1,865 |
| Credit loss provision to net charge-offs | 99.5316% | 3,461 |
| Earnings coverage of net charge-offs (x) | -0.6440% | 5,323 |
| Efficiency ratio | 112.6147% | 547 |
| Assets per employee ($millions) | 4.6263% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,928 |
| Loan loss allowance to noncurrent loans | 46.3279% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 5.9091% | 1,029 |
| Noncurrent loans to loans | 4.5642% | 1,623 |
| Net loans and leases to total assets | 72.2152% | 2,405 |
| Net loans and leases to deposits | 84.2852% | 2,894 |
| Net loans and leases to core deposits | 130.2772% | 490 |
| Total domestic deposits to total assets | 85.6795% | 3,332 |
| Equity capital to assets | 9.3863% | 4,699 |
| Core capital (leverage) ratio | 8.7683% | 4,904 |
| Tier 1 risk-based capital ratio | 12.0802% | 5,107 |
| Total risk-based capital ratio | 13.3403% | 5,065 |
| Memoranda: | ||
| Average total assets | $283,525,000 | 2,357 |
| Average earning assets | $264,498,000 | 2,317 |
| Average equity | $25,698,000 | 2,544 |
| Average total loans | $204,734,000 | 2,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 6,528 |
| Cost of funding earning assets | 2.2024% | 2,025 |
| Net interest margin | 2.7671% | 7,114 |
| Noninterest income to average assets | 0.0153% | 7,637 |
| Noninterest expense to average assets | 3.3239% | 2,929 |
| Loan and lease loss provision to assets | 0.8253% | 2,660 |
| Net operating income to assets | -1.5638% | 6,895 |
| Return on assets (ROA) | -0.9418% | 6,535 |
| Pretax return on assets | -0.9401% | 6,371 |
| Return on Equity (ROE) | -10.1272% | 6,637 |
| Retained earnings to average equity (ytd only) | -10.1272% | 6,534 |
| Net charge-offs to loans | 1.2871% | 1,932 |
| Credit loss provision to net charge-offs | 88.6981% | 6,050 |
| Earnings coverage of net charge-offs (x) | -0.7918% | 6,838 |
| Efficiency ratio | 128.4795% | 493 |
| Assets per employee ($millions) | 4.9847% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 1,921 |
| Loan loss allowance to noncurrent loans | 34.0419% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 5.9694% | 946 |
| Noncurrent loans to loans | 6.0135% | 1,045 |
| Net loans and leases to total assets | 69.3093% | 3,415 |
| Net loans and leases to deposits | 80.9173% | 3,817 |
| Net loans and leases to core deposits | 118.1608% | 2,109 |
| Total domestic deposits to total assets | 85.6545% | 3,196 |
| Equity capital to assets | 8.7644% | 5,493 |
| Core capital (leverage) ratio | 8.3966% | 5,450 |
| Tier 1 risk-based capital ratio | 11.8810% | 5,047 |
| Total risk-based capital ratio | 13.1403% | 5,000 |
| Memoranda: | ||
| Average total assets | $300,491,000 | 2,213 |
| Average earning assets | $279,285,400 | 2,188 |
| Average equity | $27,944,600 | 2,377 |
| Average total loans | $217,226,200 | 2,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 6,359 |
| Cost of funding earning assets | 2.2717% | 2,103 |
| Net interest margin | 2.8036% | 7,056 |
| Noninterest income to average assets | -0.0128% | 7,866 |
| Noninterest expense to average assets | 3.3093% | 2,877 |
| Loan and lease loss provision to assets | 0.6130% | 2,941 |
| Net operating income to assets | -1.3364% | 7,031 |
| Return on assets (ROA) | -0.9008% | 6,770 |
| Pretax return on assets | -0.8986% | 6,610 |
| Return on Equity (ROE) | -9.5528% | 6,864 |
| Retained earnings to average equity (ytd only) | -9.5528% | 6,765 |
| Net charge-offs to loans | 1.2962% | 1,583 |
| Credit loss provision to net charge-offs | 65.0890% | 6,076 |
| Earnings coverage of net charge-offs (x) | -0.7657% | 6,583 |
| Efficiency ratio | 127.8649% | 495 |
| Assets per employee ($millions) | 5.0955% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 2,119 |
| Loan loss allowance to noncurrent loans | 28.1092% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 7.2590% | 637 |
| Noncurrent loans to loans | 6.6346% | 857 |
| Net loans and leases to total assets | 67.0556% | 4,172 |
| Net loans and leases to deposits | 80.6052% | 4,280 |
| Net loans and leases to core deposits | 127.1649% | 1,642 |
| Total domestic deposits to total assets | 83.1902% | 4,127 |
| Equity capital to assets | 9.0655% | 5,390 |
| Core capital (leverage) ratio | 8.4850% | 5,524 |
| Tier 1 risk-based capital ratio | 11.7560% | 5,194 |
| Total risk-based capital ratio | 13.0123% | 5,132 |
| Memoranda: | ||
| Average total assets | $302,089,000 | 2,215 |
| Average earning assets | $280,248,750 | 2,193 |
| Average equity | $28,486,750 | 2,360 |
| Average total loans | $219,508,250 | 2,129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 6,180 |
| Cost of funding earning assets | 2.3295% | 2,240 |
| Net interest margin | 2.8426% | 6,928 |
| Noninterest income to average assets | 0.2677% | 6,358 |
| Noninterest expense to average assets | 3.2303% | 3,234 |
| Loan and lease loss provision to assets | 0.1315% | 5,775 |
| Net operating income to assets | -0.4488% | 6,494 |
| Return on assets (ROA) | 0.1355% | 5,563 |
| Pretax return on assets | 0.1388% | 5,589 |
| Return on Equity (ROE) | 1.4188% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.4188% | 4,538 |
| Net charge-offs to loans | 1.0383% | 1,722 |
| Credit loss provision to net charge-offs | 17.0962% | 6,152 |
| Earnings coverage of net charge-offs (x) | -0.4235% | 6,030 |
| Efficiency ratio | 111.2198% | 817 |
| Assets per employee ($millions) | 5.0533% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 2,453 |
| Loan loss allowance to noncurrent loans | 20.6674% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 8.5103% | 415 |
| Noncurrent loans to loans | 8.0735% | 551 |
| Net loans and leases to total assets | 71.3752% | 3,388 |
| Net loans and leases to deposits | 86.7687% | 3,397 |
| Net loans and leases to core deposits | 144.4785% | 820 |
| Total domestic deposits to total assets | 82.2592% | 4,589 |
| Equity capital to assets | 9.6356% | 4,449 |
| Core capital (leverage) ratio | 9.2680% | 4,214 |
| Tier 1 risk-based capital ratio | 12.1382% | 4,810 |
| Total risk-based capital ratio | 13.3922% | 4,717 |
| Memoranda: | ||
| Average total assets | $302,574,000 | 2,241 |
| Average earning assets | $280,657,000 | 2,219 |
| Average equity | $28,897,670 | 2,340 |
| Average total loans | $224,203,330 | 2,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 6,242 |
| Cost of funding earning assets | 2.3623% | 2,456 |
| Net interest margin | 2.8502% | 6,874 |
| Noninterest income to average assets | 0.0761% | 7,672 |
| Noninterest expense to average assets | 3.1051% | 3,353 |
| Loan and lease loss provision to assets | 0.1299% | 5,294 |
| Net operating income to assets | -0.4987% | 6,872 |
| Return on assets (ROA) | 0.1365% | 6,037 |
| Pretax return on assets | 0.1365% | 6,084 |
| Return on Equity (ROE) | 1.4353% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.4353% | 5,050 |
| Net charge-offs to loans | 1.8711% | 775 |
| Credit loss provision to net charge-offs | 9.2784% | 5,209 |
| Earnings coverage of net charge-offs (x) | -0.2634% | 5,168 |
| Efficiency ratio | 113.4772% | 742 |
| Assets per employee ($millions) | 4.7454% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 2,546 |
| Loan loss allowance to noncurrent loans | 27.6285% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 6.1479% | 638 |
| Noncurrent loans to loans | 5.7669% | 853 |
| Net loans and leases to total assets | 74.5372% | 2,612 |
| Net loans and leases to deposits | 91.2429% | 2,735 |
| Net loans and leases to core deposits | 158.9021% | 505 |
| Total domestic deposits to total assets | 81.6910% | 4,684 |
| Equity capital to assets | 9.6601% | 4,438 |
| Core capital (leverage) ratio | 9.1572% | 4,470 |
| Tier 1 risk-based capital ratio | 11.8661% | 5,070 |
| Total risk-based capital ratio | 13.1199% | 4,970 |
| Memoranda: | ||
| Average total assets | $304,789,000 | 2,238 |
| Average earning assets | $284,473,000 | 2,215 |
| Average equity | $28,982,500 | 2,347 |
| Average total loans | $228,099,000 | 2,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8027% | 6,414 |
| Cost of funding earning assets | 3.1107% | 1,472 |
| Net interest margin | 2.6921% | 7,510 |
| Noninterest income to average assets | 0.1576% | 7,299 |
| Noninterest expense to average assets | 2.9959% | 4,094 |
| Loan and lease loss provision to assets | 0.9062% | 1,651 |
| Net operating income to assets | -1.2218% | 7,354 |
| Return on assets (ROA) | -0.8943% | 7,102 |
| Pretax return on assets | -0.8943% | 6,935 |
| Return on Equity (ROE) | -10.0385% | 7,282 |
| Retained earnings to average equity (ytd only) | -10.0385% | 7,074 |
| Net charge-offs to loans | 0.6465% | 1,914 |
| Credit loss provision to net charge-offs | 200.8838% | 2,425 |
| Earnings coverage of net charge-offs (x) | -0.6995% | 6,541 |
| Efficiency ratio | 111.7735% | 679 |
| Assets per employee ($millions) | 4.9304% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9917% | 1,240 |
| Loan loss allowance to noncurrent loans | 36.1739% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 6.3805% | 443 |
| Noncurrent loans to loans | 5.5059% | 736 |
| Net loans and leases to total assets | 72.4934% | 3,486 |
| Net loans and leases to deposits | 89.5649% | 3,523 |
| Net loans and leases to core deposits | 151.1329% | 813 |
| Total domestic deposits to total assets | 80.9395% | 4,665 |
| Equity capital to assets | 9.3637% | 4,865 |
| Core capital (leverage) ratio | 8.5384% | 5,505 |
| Tier 1 risk-based capital ratio | 11.4995% | 5,240 |
| Total risk-based capital ratio | 12.7574% | 5,127 |
| Memoranda: | ||
| Average total assets | $326,077,800 | 2,049 |
| Average earning assets | $305,562,600 | 1,998 |
| Average equity | $29,048,200 | 2,327 |
| Average total loans | $227,523,400 | 2,066 |