Home > Rosedale Federal Savings and Loan Association > Performance and Condition Ratios
Rosedale Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 3,785 |
| Cost of funding earning assets | 1.2472% | 2,664 |
| Net interest margin | 2.8627% | 3,555 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.1790% | 3,185 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.4588% | 3,750 |
| Return on assets (ROA) | 0.3841% | 3,895 |
| Pretax return on assets | 0.5132% | 3,783 |
| Return on Equity (ROE) | 1.9900% | 4,150 |
| Retained earnings to average equity (ytd only) | 1.9895% | 3,577 |
| Net charge-offs to loans | -0.0371% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.1867% | 1,145 |
| Assets per employee ($millions) | 8.2979% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,643 |
| Loan loss allowance to noncurrent loans | 406.2500% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,359 |
| Noncurrent loans to loans | 0.2267% | 2,412 |
| Net loans and leases to total assets | 71.2200% | 1,671 |
| Net loans and leases to deposits | 96.0662% | 779 |
| Net loans and leases to core deposits | 104.3886% | 1,197 |
| Total domestic deposits to total assets | 74.1300% | 4,100 |
| Equity capital to assets | 18.9807% | 315 |
| Core capital (leverage) ratio | 19.6798% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,239,363,000 | 835 |
| Average earning assets | $1,153,552,000 | 819 |
| Average equity | $239,252,400 | 464 |
| Average total loans | $921,139,400 | 782 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 3,640 |
| Cost of funding earning assets | 1.1282% | 2,664 |
| Net interest margin | 2.9827% | 3,371 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.2160% | 3,034 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 0.5556% | 3,653 |
| Return on assets (ROA) | 0.5556% | 3,638 |
| Pretax return on assets | 0.7670% | 3,407 |
| Return on Equity (ROE) | 2.8700% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.8656% | 3,543 |
| Net charge-offs to loans | -0.0491% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.5360% | 1,218 |
| Assets per employee ($millions) | 7.9310% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 3,905 |
| Loan loss allowance to noncurrent loans | 315.1257% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,178 |
| Noncurrent loans to loans | 0.2656% | 2,285 |
| Net loans and leases to total assets | 74.8900% | 1,249 |
| Net loans and leases to deposits | 97.3942% | 649 |
| Net loans and leases to core deposits | 105.4235% | 1,047 |
| Total domestic deposits to total assets | 76.9000% | 3,938 |
| Equity capital to assets | 19.2397% | 306 |
| Core capital (leverage) ratio | 19.7357% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,227,661,000 | 841 |
| Average earning assets | $1,141,025,000 | 829 |
| Average equity | $238,034,500 | 469 |
| Average total loans | $920,300,750 | 782 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,477 |
| Cost of funding earning assets | 0.9863% | 2,648 |
| Net interest margin | 3.1205% | 3,173 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.2467% | 2,958 |
| Loan and lease loss provision to assets | -0.1200% | 4,579 |
| Net operating income to assets | 0.6263% | 3,516 |
| Return on assets (ROA) | 0.6263% | 3,525 |
| Pretax return on assets | 0.8648% | 3,250 |
| Return on Equity (ROE) | 3.2200% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.2221% | 3,417 |
| Net charge-offs to loans | -0.0735% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.7229% | 1,377 |
| Assets per employee ($millions) | 7.8345% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 3,868 |
| Loan loss allowance to noncurrent loans | 289.9746% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 1,745 |
| Noncurrent loans to loans | 0.2981% | 2,068 |
| Net loans and leases to total assets | 73.9500% | 1,296 |
| Net loans and leases to deposits | 96.2326% | 720 |
| Net loans and leases to core deposits | 103.4251% | 1,073 |
| Total domestic deposits to total assets | 76.8400% | 3,966 |
| Equity capital to assets | 19.3858% | 299 |
| Core capital (leverage) ratio | 19.6849% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,227,113,000 | 829 |
| Average earning assets | $1,140,066,667 | 822 |
| Average equity | $238,541,333 | 457 |
| Average total loans | $917,593,667 | 769 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,680 |
| Cost of funding earning assets | 0.8300% | 2,601 |
| Net interest margin | 3.0666% | 3,424 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.2024% | 3,093 |
| Loan and lease loss provision to assets | -0.1700% | 4,615 |
| Net operating income to assets | 0.6456% | 3,593 |
| Return on assets (ROA) | 0.6456% | 3,556 |
| Pretax return on assets | 0.8918% | 3,259 |
| Return on Equity (ROE) | 3.3200% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.3167% | 3,432 |
| Net charge-offs to loans | 0.0017% | 1,980 |
| Credit loss provision to net charge-offs | -12,700.0000% | 4,688 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 207 |
| Efficiency ratio | 73.7560% | 1,367 |
| Assets per employee ($millions) | 7.9405% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 3,983 |
| Loan loss allowance to noncurrent loans | 106.7163% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 735 |
| Noncurrent loans to loans | 0.7990% | 966 |
| Net loans and leases to total assets | 74.4500% | 1,139 |
| Net loans and leases to deposits | 95.9686% | 655 |
| Net loans and leases to core deposits | 102.6668% | 980 |
| Total domestic deposits to total assets | 77.5800% | 4,044 |
| Equity capital to assets | 19.5077% | 252 |
| Core capital (leverage) ratio | 19.7494% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,221,745,500 | 854 |
| Average earning assets | $1,134,037,000 | 843 |
| Average equity | $237,828,500 | 469 |
| Average total loans | $914,710,000 | 780 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 3,231 |
| Cost of funding earning assets | 0.4683% | 1,592 |
| Net interest margin | 2.9733% | 3,520 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.4646% | 2,222 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.2818% | 4,382 |
| Return on assets (ROA) | 0.2767% | 4,361 |
| Pretax return on assets | 0.3740% | 4,307 |
| Return on Equity (ROE) | 1.2900% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.2856% | 4,140 |
| Net charge-offs to loans | -0.0074% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.7411% | 457 |
| Assets per employee ($millions) | 7.9784% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,087 |
| Loan loss allowance to noncurrent loans | 79.8904% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 655 |
| Noncurrent loans to loans | 0.9680% | 764 |
| Net loans and leases to total assets | 74.0600% | 1,211 |
| Net loans and leases to deposits | 94.9745% | 714 |
| Net loans and leases to core deposits | 100.2736% | 992 |
| Total domestic deposits to total assets | 77.9800% | 4,094 |
| Equity capital to assets | 19.4242% | 241 |
| Core capital (leverage) ratio | 19.6903% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,124,090,000 | 886 |
| Average earning assets | $1,056,779,000 | 871 |
| Average equity | $241,915,600 | 454 |
| Average total loans | $769,467,200 | 838 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 3,284 |
| Cost of funding earning assets | 0.4321% | 1,090 |
| Net interest margin | 2.8292% | 3,667 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.3697% | 2,417 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.2354% | 4,441 |
| Return on assets (ROA) | 0.2284% | 4,413 |
| Pretax return on assets | 0.3272% | 4,352 |
| Return on Equity (ROE) | 1.0300% | 4,494 |
| Retained earnings to average equity (ytd only) | 1.0338% | 4,211 |
| Net charge-offs to loans | -0.0102% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.4737% | 482 |
| Assets per employee ($millions) | 7.9071% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,133 |
| Loan loss allowance to noncurrent loans | 76.7947% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 671 |
| Noncurrent loans to loans | 1.0142% | 753 |
| Net loans and leases to total assets | 73.1900% | 1,163 |
| Net loans and leases to deposits | 91.6083% | 785 |
| Net loans and leases to core deposits | 96.5853% | 974 |
| Total domestic deposits to total assets | 79.9000% | 4,109 |
| Equity capital to assets | 19.1428% | 238 |
| Core capital (leverage) ratio | 18.9716% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,101,934,500 | 905 |
| Average earning assets | $1,039,881,250 | 886 |
| Average equity | $243,504,500 | 457 |
| Average total loans | $735,535,750 | 866 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0149% | 3,522 |
| Cost of funding earning assets | 0.4368% | 737 |
| Net interest margin | 2.5781% | 3,945 |
| Noninterest income to average assets | 0.0752% | 4,570 |
| Noninterest expense to average assets | 2.2083% | 2,823 |
| Loan and lease loss provision to assets | -0.0184% | 4,423 |
| Net operating income to assets | 0.2432% | 4,369 |
| Return on assets (ROA) | 0.2432% | 4,332 |
| Pretax return on assets | 0.3355% | 4,249 |
| Return on Equity (ROE) | 1.0471% | 4,458 |
| Retained earnings to average equity (ytd only) | 1.0471% | 3,986 |
| Net charge-offs to loans | -0.0088% | 3,541 |
| Credit loss provision to net charge-offs | 326.6667% | 771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3464% | 521 |
| Assets per employee ($millions) | 8.6179% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 3,933 |
| Loan loss allowance to noncurrent loans | 72.8907% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 623 |
| Noncurrent loans to loans | 1.2436% | 634 |
| Net loans and leases to total assets | 66.3734% | 1,647 |
| Net loans and leases to deposits | 86.2123% | 955 |
| Net loans and leases to core deposits | 90.2346% | 1,106 |
| Total domestic deposits to total assets | 76.9882% | 4,415 |
| Equity capital to assets | 22.4648% | 125 |
| Core capital (leverage) ratio | 23.6248% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,063,350,667 | 927 |
| Average earning assets | $1,010,580,667 | 906 |
| Average equity | $246,973,000 | 450 |
| Average total loans | $681,303,000 | 913 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9216% | 3,477 |
| Cost of funding earning assets | 0.4454% | 675 |
| Net interest margin | 2.4762% | 3,944 |
| Noninterest income to average assets | 0.0649% | 4,621 |
| Noninterest expense to average assets | 2.2630% | 2,642 |
| Loan and lease loss provision to assets | -0.1618% | 4,657 |
| Net operating income to assets | 0.2334% | 4,276 |
| Return on assets (ROA) | 0.2334% | 4,242 |
| Pretax return on assets | 0.3220% | 4,157 |
| Return on Equity (ROE) | 0.9887% | 4,426 |
| Retained earnings to average equity (ytd only) | 0.9887% | 3,826 |
| Net charge-offs to loans | -0.0012% | 3,036 |
| Credit loss provision to net charge-offs | 21,450.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2929% | 411 |
| Assets per employee ($millions) | 8.5738% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 3,980 |
| Loan loss allowance to noncurrent loans | 61.4067% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 555 |
| Noncurrent loans to loans | 1.5033% | 550 |
| Net loans and leases to total assets | 61.8725% | 1,874 |
| Net loans and leases to deposits | 81.0918% | 1,070 |
| Net loans and leases to core deposits | 85.0149% | 1,186 |
| Total domestic deposits to total assets | 76.2993% | 4,488 |
| Equity capital to assets | 23.1378% | 106 |
| Core capital (leverage) ratio | 23.9551% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,060,714,500 | 932 |
| Average earning assets | $1,010,253,500 | 912 |
| Average equity | $250,427,500 | 453 |
| Average total loans | $664,070,000 | 922 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1510% | 3,579 |
| Cost of funding earning assets | 0.5644% | 655 |
| Net interest margin | 2.5866% | 4,065 |
| Noninterest income to average assets | 0.0503% | 4,725 |
| Noninterest expense to average assets | 1.8709% | 3,996 |
| Loan and lease loss provision to assets | -0.0929% | 4,514 |
| Net operating income to assets | 0.5540% | 3,971 |
| Return on assets (ROA) | 0.5540% | 4,020 |
| Pretax return on assets | 0.7457% | 3,846 |
| Return on Equity (ROE) | 2.2890% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.2890% | 3,890 |
| Net charge-offs to loans | -0.0234% | 4,034 |
| Credit loss provision to net charge-offs | 603.7267% | 723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0130% | 1,301 |
| Assets per employee ($millions) | 8.7461% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,800 |
| Loan loss allowance to noncurrent loans | 67.9378% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 630 |
| Noncurrent loans to loans | 1.4528% | 636 |
| Net loans and leases to total assets | 62.1441% | 1,920 |
| Net loans and leases to deposits | 82.1380% | 1,057 |
| Net loans and leases to core deposits | 86.2180% | 1,191 |
| Total domestic deposits to total assets | 75.6581% | 4,526 |
| Equity capital to assets | 24.0830% | 108 |
| Core capital (leverage) ratio | 24.0976% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,045,885,200 | 930 |
| Average earning assets | $1,000,093,400 | 907 |
| Average equity | $253,126,200 | 442 |
| Average total loans | $689,145,400 | 890 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 3,676 |
| Cost of funding earning assets | 0.5870% | 680 |
| Net interest margin | 2.5756% | 4,171 |
| Noninterest income to average assets | 0.0638% | 4,770 |
| Noninterest expense to average assets | 1.8604% | 4,033 |
| Loan and lease loss provision to assets | -0.0748% | 4,535 |
| Net operating income to assets | 0.5370% | 4,126 |
| Return on assets (ROA) | 0.5370% | 4,169 |
| Pretax return on assets | 0.7409% | 4,000 |
| Return on Equity (ROE) | 2.2161% | 4,566 |
| Retained earnings to average equity (ytd only) | 2.2161% | 4,133 |
| Net charge-offs to loans | -0.0201% | 3,971 |
| Credit loss provision to net charge-offs | 557.1429% | 725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5071% | 1,260 |
| Assets per employee ($millions) | 8.8528% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,781 |
| Loan loss allowance to noncurrent loans | 54.5505% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 481 |
| Noncurrent loans to loans | 1.8671% | 498 |
| Net loans and leases to total assets | 63.5333% | 1,830 |
| Net loans and leases to deposits | 84.0694% | 959 |
| Net loans and leases to core deposits | 88.5287% | 1,121 |
| Total domestic deposits to total assets | 75.5725% | 4,569 |
| Equity capital to assets | 24.1158% | 110 |
| Core capital (leverage) ratio | 24.1381% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,042,787,000 | 944 |
| Average earning assets | $997,058,750 | 916 |
| Average equity | $252,691,500 | 443 |
| Average total loans | $695,378,500 | 900 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 3,838 |
| Cost of funding earning assets | 0.6119% | 706 |
| Net interest margin | 2.5004% | 4,305 |
| Noninterest income to average assets | 0.0616% | 4,811 |
| Noninterest expense to average assets | 1.8831% | 4,010 |
| Loan and lease loss provision to assets | -0.1058% | 4,635 |
| Net operating income to assets | 0.4892% | 4,241 |
| Return on assets (ROA) | 0.4892% | 4,284 |
| Pretax return on assets | 0.6749% | 4,113 |
| Return on Equity (ROE) | 2.0156% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.0156% | 4,109 |
| Net charge-offs to loans | -0.0274% | 4,122 |
| Credit loss provision to net charge-offs | 572.9167% | 642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6599% | 1,016 |
| Assets per employee ($millions) | 8.9304% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,844 |
| Loan loss allowance to noncurrent loans | 48.9693% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 457 |
| Noncurrent loans to loans | 2.0292% | 477 |
| Net loans and leases to total assets | 65.3613% | 1,778 |
| Net loans and leases to deposits | 86.3356% | 895 |
| Net loans and leases to core deposits | 90.6820% | 1,092 |
| Total domestic deposits to total assets | 75.7060% | 4,578 |
| Equity capital to assets | 24.0542% | 107 |
| Core capital (leverage) ratio | 24.0251% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,039,221,667 | 940 |
| Average earning assets | $993,606,667 | 913 |
| Average equity | $252,236,667 | 442 |
| Average total loans | $701,771,333 | 892 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1724% | 3,736 |
| Cost of funding earning assets | 0.6371% | 740 |
| Net interest margin | 2.5352% | 4,254 |
| Noninterest income to average assets | 0.0581% | 4,828 |
| Noninterest expense to average assets | 1.8834% | 4,025 |
| Loan and lease loss provision to assets | -0.1345% | 4,759 |
| Net operating income to assets | 0.5307% | 4,115 |
| Return on assets (ROA) | 0.5307% | 4,153 |
| Pretax return on assets | 0.7322% | 3,953 |
| Return on Equity (ROE) | 2.1763% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.1763% | 3,975 |
| Net charge-offs to loans | -0.0465% | 4,366 |
| Credit loss provision to net charge-offs | 423.1707% | 635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7850% | 1,154 |
| Assets per employee ($millions) | 8.6150% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,770 |
| Loan loss allowance to noncurrent loans | 47.5018% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 443 |
| Noncurrent loans to loans | 2.1449% | 474 |
| Net loans and leases to total assets | 66.1861% | 1,776 |
| Net loans and leases to deposits | 87.5140% | 860 |
| Net loans and leases to core deposits | 92.0370% | 1,113 |
| Total domestic deposits to total assets | 75.6291% | 4,604 |
| Equity capital to assets | 24.0838% | 107 |
| Core capital (leverage) ratio | 24.4028% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,031,938,000 | 929 |
| Average earning assets | $986,271,500 | 908 |
| Average equity | $251,615,000 | 440 |
| Average total loans | $704,815,500 | 896 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 3,859 |
| Cost of funding earning assets | 0.8886% | 886 |
| Net interest margin | 2.6876% | 4,392 |
| Noninterest income to average assets | 0.0621% | 4,842 |
| Noninterest expense to average assets | 1.9305% | 4,263 |
| Loan and lease loss provision to assets | 0.2337% | 1,666 |
| Net operating income to assets | 0.3481% | 4,351 |
| Return on assets (ROA) | 0.3481% | 4,423 |
| Pretax return on assets | 0.4672% | 4,327 |
| Return on Equity (ROE) | 1.3961% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.3961% | 4,069 |
| Net charge-offs to loans | 0.0531% | 2,030 |
| Credit loss provision to net charge-offs | 603.3592% | 1,100 |
| Earnings coverage of net charge-offs (x) | 18.0930% | 2,041 |
| Efficiency ratio | 73.2045% | 1,542 |
| Assets per employee ($millions) | 8.4418% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,743 |
| Loan loss allowance to noncurrent loans | 43.0819% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7101% | 381 |
| Noncurrent loans to loans | 2.3997% | 437 |
| Net loans and leases to total assets | 69.0412% | 1,680 |
| Net loans and leases to deposits | 92.0566% | 771 |
| Net loans and leases to core deposits | 96.7595% | 1,079 |
| Total domestic deposits to total assets | 74.9986% | 4,574 |
| Equity capital to assets | 24.6879% | 101 |
| Core capital (leverage) ratio | 24.4749% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $999,009,600 | 884 |
| Average earning assets | $955,036,600 | 851 |
| Average equity | $249,121,200 | 420 |
| Average total loans | $729,446,800 | 850 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 4,222 |
| Cost of funding earning assets | 0.9247% | 980 |
| Net interest margin | 2.5685% | 4,602 |
| Noninterest income to average assets | 0.0628% | 4,868 |
| Noninterest expense to average assets | 1.9894% | 4,166 |
| Loan and lease loss provision to assets | 0.2452% | 1,656 |
| Net operating income to assets | 0.2059% | 4,581 |
| Return on assets (ROA) | 0.2059% | 4,624 |
| Pretax return on assets | 0.2840% | 4,560 |
| Return on Equity (ROE) | 0.8235% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.8235% | 4,305 |
| Net charge-offs to loans | 0.0200% | 2,458 |
| Credit loss provision to net charge-offs | 1,660.9091% | 575 |
| Earnings coverage of net charge-offs (x) | 35.8455% | 1,438 |
| Efficiency ratio | 78.8116% | 965 |
| Assets per employee ($millions) | 8.5534% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,840 |
| Loan loss allowance to noncurrent loans | 27.6424% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 205 |
| Noncurrent loans to loans | 3.4824% | 234 |
| Net loans and leases to total assets | 72.1393% | 1,643 |
| Net loans and leases to deposits | 96.0015% | 758 |
| Net loans and leases to core deposits | 101.0264% | 1,088 |
| Total domestic deposits to total assets | 75.1439% | 4,493 |
| Equity capital to assets | 24.5709% | 107 |
| Core capital (leverage) ratio | 24.6013% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $993,397,000 | 873 |
| Average earning assets | $949,773,750 | 844 |
| Average equity | $248,357,250 | 413 |
| Average total loans | $733,659,750 | 841 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,305 |
| Cost of funding earning assets | 0.9520% | 1,138 |
| Net interest margin | 2.6216% | 4,634 |
| Noninterest income to average assets | 0.0648% | 4,880 |
| Noninterest expense to average assets | 2.0726% | 4,096 |
| Loan and lease loss provision to assets | 0.3680% | 1,137 |
| Net operating income to assets | 0.0952% | 4,695 |
| Return on assets (ROA) | 0.0952% | 4,724 |
| Pretax return on assets | 0.1313% | 4,700 |
| Return on Equity (ROE) | 0.3786% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.3786% | 4,234 |
| Net charge-offs to loans | 0.0320% | 2,091 |
| Credit loss provision to net charge-offs | 1,549.5726% | 588 |
| Earnings coverage of net charge-offs (x) | 21.0256% | 1,670 |
| Efficiency ratio | 80.4104% | 863 |
| Assets per employee ($millions) | 8.3565% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,824 |
| Loan loss allowance to noncurrent loans | 32.1496% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.2297% | 291 |
| Noncurrent loans to loans | 2.9308% | 337 |
| Net loans and leases to total assets | 74.6030% | 1,329 |
| Net loans and leases to deposits | 99.6507% | 573 |
| Net loans and leases to core deposits | 104.7091% | 957 |
| Total domestic deposits to total assets | 74.8645% | 4,531 |
| Equity capital to assets | 24.8646% | 104 |
| Core capital (leverage) ratio | 24.8044% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $985,244,000 | 866 |
| Average earning assets | $942,252,333 | 835 |
| Average equity | $247,777,667 | 413 |
| Average total loans | $731,076,000 | 828 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,356 |
| Cost of funding earning assets | 0.9789% | 1,513 |
| Net interest margin | 2.7393% | 4,630 |
| Noninterest income to average assets | 0.0725% | 4,915 |
| Noninterest expense to average assets | 2.2702% | 3,835 |
| Loan and lease loss provision to assets | 0.5571% | 510 |
| Net operating income to assets | -0.0975% | 4,802 |
| Return on assets (ROA) | -0.0975% | 4,786 |
| Pretax return on assets | -0.1344% | 4,786 |
| Return on Equity (ROE) | -0.3854% | 4,765 |
| Retained earnings to average equity (ytd only) | -0.3854% | 4,053 |
| Net charge-offs to loans | 0.0595% | 1,413 |
| Credit loss provision to net charge-offs | 1,271.0280% | 484 |
| Earnings coverage of net charge-offs (x) | 9.6449% | 1,813 |
| Efficiency ratio | 84.1345% | 822 |
| Assets per employee ($millions) | 8.5928% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,012 |
| Loan loss allowance to noncurrent loans | 30.6027% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.2486% | 331 |
| Noncurrent loans to loans | 3.0356% | 351 |
| Net loans and leases to total assets | 72.6373% | 1,836 |
| Net loans and leases to deposits | 97.5712% | 774 |
| Net loans and leases to core deposits | 102.4552% | 1,293 |
| Total domestic deposits to total assets | 74.4455% | 4,627 |
| Equity capital to assets | 25.2947% | 110 |
| Core capital (leverage) ratio | 25.1619% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $976,474,000 | 842 |
| Average earning assets | $934,093,500 | 810 |
| Average equity | $246,997,500 | 416 |
| Average total loans | $719,002,500 | 818 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 4,492 |
| Cost of funding earning assets | 0.9236% | 2,095 |
| Net interest margin | 2.9382% | 4,606 |
| Noninterest income to average assets | 0.0751% | 4,984 |
| Noninterest expense to average assets | 2.0609% | 4,422 |
| Loan and lease loss provision to assets | -0.0489% | 5,018 |
| Net operating income to assets | 0.6407% | 4,036 |
| Return on assets (ROA) | 0.6414% | 4,105 |
| Pretax return on assets | 0.8688% | 3,827 |
| Return on Equity (ROE) | 2.5471% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.5471% | 3,755 |
| Net charge-offs to loans | -0.0509% | 4,823 |
| Credit loss provision to net charge-offs | 130.5556% | 1,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3563% | 1,968 |
| Assets per employee ($millions) | 8.3194% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,444 |
| Loan loss allowance to noncurrent loans | 24.4971% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.3156% | 301 |
| Noncurrent loans to loans | 3.0732% | 304 |
| Net loans and leases to total assets | 73.3919% | 1,859 |
| Net loans and leases to deposits | 98.5823% | 709 |
| Net loans and leases to core deposits | 103.5272% | 1,267 |
| Total domestic deposits to total assets | 74.4473% | 4,742 |
| Equity capital to assets | 25.2950% | 120 |
| Core capital (leverage) ratio | 25.4220% | 117 |
| Tier 1 risk-based capital ratio | 41.3610% | 226 |
| Total risk-based capital ratio | 42.3226% | 225 |
| Memoranda: | ||
| Average total assets | $961,508,400 | 815 |
| Average earning assets | $917,903,000 | 784 |
| Average equity | $242,120,400 | 403 |
| Average total loans | $706,755,400 | 803 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,572 |
| Cost of funding earning assets | 0.9029% | 2,220 |
| Net interest margin | 2.9717% | 4,661 |
| Noninterest income to average assets | 0.0829% | 5,038 |
| Noninterest expense to average assets | 2.0798% | 4,396 |
| Loan and lease loss provision to assets | -0.0421% | 5,115 |
| Net operating income to assets | 0.6381% | 4,191 |
| Return on assets (ROA) | 0.6389% | 4,238 |
| Pretax return on assets | 0.8815% | 3,937 |
| Return on Equity (ROE) | 2.5400% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.5400% | 4,075 |
| Net charge-offs to loans | -0.0417% | 4,792 |
| Credit loss provision to net charge-offs | 137.7273% | 1,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0615% | 1,961 |
| Assets per employee ($millions) | 8.0797% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7611% | 4,519 |
| Loan loss allowance to noncurrent loans | 24.5570% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.3787% | 309 |
| Noncurrent loans to loans | 3.0991% | 307 |
| Net loans and leases to total assets | 73.8590% | 1,844 |
| Net loans and leases to deposits | 99.4864% | 682 |
| Net loans and leases to core deposits | 104.5143% | 1,297 |
| Total domestic deposits to total assets | 74.2403% | 4,801 |
| Equity capital to assets | 25.4599% | 121 |
| Core capital (leverage) ratio | 25.4014% | 115 |
| Tier 1 risk-based capital ratio | 41.2388% | 225 |
| Total risk-based capital ratio | 42.1938% | 226 |
| Memoranda: | ||
| Average total assets | $958,542,500 | 815 |
| Average earning assets | $914,527,000 | 784 |
| Average equity | $241,097,000 | 406 |
| Average total loans | $703,495,500 | 811 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 4,608 |
| Cost of funding earning assets | 0.8717% | 2,289 |
| Net interest margin | 2.9961% | 4,700 |
| Noninterest income to average assets | 0.0969% | 5,050 |
| Noninterest expense to average assets | 2.0761% | 4,455 |
| Loan and lease loss provision to assets | -0.0940% | 5,206 |
| Net operating income to assets | 0.7044% | 3,992 |
| Return on assets (ROA) | 0.7055% | 4,041 |
| Pretax return on assets | 0.9733% | 3,633 |
| Return on Equity (ROE) | 2.8166% | 4,825 |
| Retained earnings to average equity (ytd only) | 2.8166% | 3,805 |
| Net charge-offs to loans | -0.0709% | 4,928 |
| Credit loss provision to net charge-offs | 181.4516% | 1,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0700% | 2,215 |
| Assets per employee ($millions) | 8.3761% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 4,578 |
| Loan loss allowance to noncurrent loans | 19.5636% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.9917% | 199 |
| Noncurrent loans to loans | 3.8912% | 188 |
| Net loans and leases to total assets | 72.0789% | 2,209 |
| Net loans and leases to deposits | 96.7453% | 957 |
| Net loans and leases to core deposits | 101.4268% | 1,601 |
| Total domestic deposits to total assets | 74.5038% | 4,801 |
| Equity capital to assets | 25.2450% | 119 |
| Core capital (leverage) ratio | 25.3036% | 113 |
| Tier 1 risk-based capital ratio | 41.6882% | 214 |
| Total risk-based capital ratio | 42.6309% | 214 |
| Memoranda: | ||
| Average total assets | $957,561,670 | 812 |
| Average earning assets | $913,112,670 | 785 |
| Average equity | $239,865,000 | 407 |
| Average total loans | $699,464,330 | 816 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,576 |
| Cost of funding earning assets | 0.8406% | 2,324 |
| Net interest margin | 3.0446% | 4,687 |
| Noninterest income to average assets | 0.1240% | 4,989 |
| Noninterest expense to average assets | 2.0144% | 4,616 |
| Loan and lease loss provision to assets | -0.0972% | 5,289 |
| Net operating income to assets | 0.8030% | 3,609 |
| Return on assets (ROA) | 0.8053% | 3,641 |
| Pretax return on assets | 1.1111% | 3,115 |
| Return on Equity (ROE) | 3.2274% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,639 |
| Net charge-offs to loans | 0.0040% | 2,578 |
| Credit loss provision to net charge-offs | -3,314.2857% | 4,149 |
| Earnings coverage of net charge-offs (x) | 344.7143% | 232 |
| Efficiency ratio | 66.3758% | 2,884 |
| Assets per employee ($millions) | 8.1673% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,649 |
| Loan loss allowance to noncurrent loans | 19.1665% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 3.1107% | 199 |
| Noncurrent loans to loans | 3.9431% | 199 |
| Net loans and leases to total assets | 72.6836% | 2,045 |
| Net loans and leases to deposits | 97.3825% | 856 |
| Net loans and leases to core deposits | 101.8205% | 1,478 |
| Total domestic deposits to total assets | 74.6372% | 4,879 |
| Equity capital to assets | 25.1242% | 113 |
| Core capital (leverage) ratio | 25.2863% | 109 |
| Tier 1 risk-based capital ratio | 41.2737% | 219 |
| Total risk-based capital ratio | 42.2036% | 217 |
| Memoranda: | ||
| Average total assets | $954,714,000 | 821 |
| Average earning assets | $909,818,000 | 792 |
| Average equity | $238,210,500 | 408 |
| Average total loans | $699,381,000 | 816 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,480 |
| Cost of funding earning assets | 0.6554% | 2,355 |
| Net interest margin | 3.1486% | 4,577 |
| Noninterest income to average assets | -0.0057% | 5,361 |
| Noninterest expense to average assets | 1.9915% | 4,772 |
| Loan and lease loss provision to assets | 0.0638% | 2,881 |
| Net operating income to assets | 0.7102% | 4,109 |
| Return on assets (ROA) | 0.7027% | 4,137 |
| Pretax return on assets | 0.9326% | 3,809 |
| Return on Equity (ROE) | 2.8944% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.8944% | 3,952 |
| Net charge-offs to loans | 0.0364% | 2,672 |
| Credit loss provision to net charge-offs | 247.7733% | 1,201 |
| Earnings coverage of net charge-offs (x) | 39.0445% | 1,340 |
| Efficiency ratio | 66.1818% | 2,844 |
| Assets per employee ($millions) | 8.0156% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,566 |
| Loan loss allowance to noncurrent loans | 18.3204% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 3.4318% | 155 |
| Noncurrent loans to loans | 4.3172% | 155 |
| Net loans and leases to total assets | 72.6945% | 2,146 |
| Net loans and leases to deposits | 97.0267% | 971 |
| Net loans and leases to core deposits | 101.4038% | 1,616 |
| Total domestic deposits to total assets | 74.9222% | 4,881 |
| Equity capital to assets | 24.7775% | 110 |
| Core capital (leverage) ratio | 25.0362% | 113 |
| Tier 1 risk-based capital ratio | 41.9913% | 208 |
| Total risk-based capital ratio | 42.9867% | 207 |
| Memoranda: | ||
| Average total assets | $958,677,600 | 796 |
| Average earning assets | $914,394,200 | 771 |
| Average equity | $232,758,000 | 403 |
| Average total loans | $677,919,600 | 813 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,460 |
| Cost of funding earning assets | 0.6184% | 2,352 |
| Net interest margin | 3.1712% | 4,570 |
| Noninterest income to average assets | -0.0042% | 5,439 |
| Noninterest expense to average assets | 1.9400% | 4,836 |
| Loan and lease loss provision to assets | 0.0720% | 2,519 |
| Net operating income to assets | 0.7327% | 4,129 |
| Return on assets (ROA) | 0.7227% | 4,166 |
| Pretax return on assets | 0.9970% | 3,726 |
| Return on Equity (ROE) | 2.9919% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.9919% | 4,240 |
| Net charge-offs to loans | 0.0680% | 1,864 |
| Credit loss provision to net charge-offs | 151.0204% | 1,696 |
| Earnings coverage of net charge-offs (x) | 22.7027% | 1,865 |
| Efficiency ratio | 63.9331% | 3,201 |
| Assets per employee ($millions) | 8.0538% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,693 |
| Loan loss allowance to noncurrent loans | 19.9768% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 3.1232% | 221 |
| Noncurrent loans to loans | 3.8971% | 221 |
| Net loans and leases to total assets | 72.2124% | 2,297 |
| Net loans and leases to deposits | 96.3143% | 1,117 |
| Net loans and leases to core deposits | 100.6708% | 1,728 |
| Total domestic deposits to total assets | 74.9758% | 4,887 |
| Equity capital to assets | 24.7187% | 116 |
| Core capital (leverage) ratio | 24.9155% | 112 |
| Tier 1 risk-based capital ratio | 42.4780% | 197 |
| Total risk-based capital ratio | 43.4570% | 194 |
| Memoranda: | ||
| Average total assets | $959,883,250 | 796 |
| Average earning assets | $915,874,750 | 765 |
| Average equity | $231,862,250 | 402 |
| Average total loans | $672,667,500 | 819 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,478 |
| Cost of funding earning assets | 0.5902% | 2,292 |
| Net interest margin | 3.1540% | 4,606 |
| Noninterest income to average assets | 0.0582% | 5,380 |
| Noninterest expense to average assets | 1.9338% | 4,910 |
| Loan and lease loss provision to assets | 0.0967% | 1,999 |
| Net operating income to assets | 0.7530% | 4,020 |
| Return on assets (ROA) | 0.7530% | 4,023 |
| Pretax return on assets | 1.0390% | 3,542 |
| Return on Equity (ROE) | 3.1411% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.1411% | 3,995 |
| Net charge-offs to loans | 0.1137% | 1,243 |
| Credit loss provision to net charge-offs | 122.8947% | 1,773 |
| Earnings coverage of net charge-offs (x) | 14.4316% | 2,102 |
| Efficiency ratio | 62.7378% | 3,529 |
| Assets per employee ($millions) | 8.5959% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 4,769 |
| Loan loss allowance to noncurrent loans | 18.4165% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.3442% | 198 |
| Noncurrent loans to loans | 4.2092% | 201 |
| Net loans and leases to total assets | 69.8002% | 2,609 |
| Net loans and leases to deposits | 92.3064% | 1,547 |
| Net loans and leases to core deposits | 96.3004% | 2,037 |
| Total domestic deposits to total assets | 75.6180% | 4,890 |
| Equity capital to assets | 24.1226% | 126 |
| Core capital (leverage) ratio | 24.4523% | 117 |
| Tier 1 risk-based capital ratio | 42.6234% | 199 |
| Total risk-based capital ratio | 43.6020% | 198 |
| Memoranda: | ||
| Average total assets | $965,744,670 | 796 |
| Average earning assets | $922,072,000 | 762 |
| Average equity | $231,508,330 | 403 |
| Average total loans | $668,291,330 | 824 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 4,408 |
| Cost of funding earning assets | 0.5664% | 2,273 |
| Net interest margin | 3.1634% | 4,574 |
| Noninterest income to average assets | 0.0579% | 5,455 |
| Noninterest expense to average assets | 1.8940% | 5,027 |
| Loan and lease loss provision to assets | 0.1385% | 1,363 |
| Net operating income to assets | 0.7584% | 3,879 |
| Return on assets (ROA) | 0.7584% | 3,878 |
| Pretax return on assets | 1.0463% | 3,369 |
| Return on Equity (ROE) | 3.1738% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.1738% | 3,935 |
| Net charge-offs to loans | 0.0898% | 1,263 |
| Credit loss provision to net charge-offs | 224.8322% | 971 |
| Earnings coverage of net charge-offs (x) | 19.2282% | 1,508 |
| Efficiency ratio | 61.2492% | 3,909 |
| Assets per employee ($millions) | 9.1692% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,793 |
| Loan loss allowance to noncurrent loans | 19.0586% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.3134% | 220 |
| Noncurrent loans to loans | 4.1957% | 224 |
| Net loans and leases to total assets | 68.9242% | 2,643 |
| Net loans and leases to deposits | 90.9408% | 1,570 |
| Net loans and leases to core deposits | 95.0520% | 2,049 |
| Total domestic deposits to total assets | 75.7902% | 4,979 |
| Equity capital to assets | 24.0004% | 120 |
| Core capital (leverage) ratio | 24.2618% | 118 |
| Tier 1 risk-based capital ratio | 42.5396% | 200 |
| Total risk-based capital ratio | 43.5380% | 200 |
| Memoranda: | ||
| Average total assets | $967,245,500 | 791 |
| Average earning assets | $923,689,500 | 761 |
| Average equity | $231,143,000 | 408 |
| Average total loans | $663,813,500 | 829 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 4,115 |
| Cost of funding earning assets | 0.5194% | 2,186 |
| Net interest margin | 3.2589% | 4,288 |
| Noninterest income to average assets | 0.0590% | 5,513 |
| Noninterest expense to average assets | 2.2965% | 4,339 |
| Loan and lease loss provision to assets | 0.1629% | 1,368 |
| Net operating income to assets | 0.3321% | 4,870 |
| Return on assets (ROA) | 0.3321% | 4,891 |
| Pretax return on assets | 0.7165% | 4,470 |
| Return on Equity (ROE) | 1.3424% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.3424% | 4,472 |
| Net charge-offs to loans | 0.1665% | 1,476 |
| Credit loss provision to net charge-offs | 144.8598% | 1,835 |
| Earnings coverage of net charge-offs (x) | 7.8193% | 2,988 |
| Efficiency ratio | 72.2412% | 2,184 |
| Assets per employee ($millions) | 8.9149% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,875 |
| Loan loss allowance to noncurrent loans | 16.8814% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 3.5258% | 190 |
| Noncurrent loans to loans | 4.6431% | 167 |
| Net loans and leases to total assets | 67.2553% | 2,925 |
| Net loans and leases to deposits | 88.7921% | 1,920 |
| Net loans and leases to core deposits | 92.7248% | 2,303 |
| Total domestic deposits to total assets | 75.7447% | 5,006 |
| Equity capital to assets | 23.7946% | 121 |
| Core capital (leverage) ratio | 24.0639% | 111 |
| Tier 1 risk-based capital ratio | 43.1876% | 175 |
| Total risk-based capital ratio | 44.1714% | 177 |
| Memoranda: | ||
| Average total assets | $856,304,200 | 868 |
| Average earning assets | $818,989,200 | 841 |
| Average equity | $211,857,400 | 420 |
| Average total loans | $578,310,200 | 891 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,164 |
| Cost of funding earning assets | 0.5069% | 2,208 |
| Net interest margin | 3.2470% | 4,333 |
| Noninterest income to average assets | 0.0512% | 5,608 |
| Noninterest expense to average assets | 2.2502% | 4,418 |
| Loan and lease loss provision to assets | 0.1537% | 1,347 |
| Net operating income to assets | 0.4497% | 4,884 |
| Return on assets (ROA) | 0.4497% | 4,911 |
| Pretax return on assets | 0.7539% | 4,468 |
| Return on Equity (ROE) | 1.7976% | 5,334 |
| Retained earnings to average equity (ytd only) | 1.7976% | 4,709 |
| Net charge-offs to loans | 0.1827% | 1,157 |
| Credit loss provision to net charge-offs | 124.7059% | 1,947 |
| Earnings coverage of net charge-offs (x) | 7.3634% | 2,881 |
| Efficiency ratio | 71.2573% | 2,331 |
| Assets per employee ($millions) | 8.1357% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,713 |
| Loan loss allowance to noncurrent loans | 15.2828% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 4.0190% | 166 |
| Noncurrent loans to loans | 5.6423% | 119 |
| Net loans and leases to total assets | 68.8384% | 2,721 |
| Net loans and leases to deposits | 92.5291% | 1,487 |
| Net loans and leases to core deposits | 95.3073% | 2,146 |
| Total domestic deposits to total assets | 74.3965% | 5,198 |
| Equity capital to assets | 25.3834% | 96 |
| Core capital (leverage) ratio | 25.4280% | 94 |
| Tier 1 risk-based capital ratio | 43.1332% | 189 |
| Total risk-based capital ratio | 44.1591% | 184 |
| Memoranda: | ||
| Average total assets | $827,448,000 | 904 |
| Average earning assets | $791,682,250 | 872 |
| Average equity | $207,017,000 | 428 |
| Average total loans | $558,212,250 | 925 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,181 |
| Cost of funding earning assets | 0.5038% | 2,137 |
| Net interest margin | 3.2106% | 4,387 |
| Noninterest income to average assets | 0.0581% | 5,633 |
| Noninterest expense to average assets | 2.1117% | 4,751 |
| Loan and lease loss provision to assets | 0.1331% | 1,562 |
| Net operating income to assets | 0.5279% | 4,620 |
| Return on assets (ROA) | 0.5279% | 4,650 |
| Pretax return on assets | 0.8850% | 3,977 |
| Return on Equity (ROE) | 2.1201% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.1201% | 4,408 |
| Net charge-offs to loans | 0.2639% | 777 |
| Credit loss provision to net charge-offs | 75.5130% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.7756% | 2,786 |
| Efficiency ratio | 67.4705% | 3,099 |
| Assets per employee ($millions) | 8.2252% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,918 |
| Loan loss allowance to noncurrent loans | 19.2029% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.9716% | 312 |
| Noncurrent loans to loans | 4.2292% | 213 |
| Net loans and leases to total assets | 66.9370% | 2,960 |
| Net loans and leases to deposits | 89.4938% | 1,801 |
| Net loans and leases to core deposits | 92.0145% | 2,337 |
| Total domestic deposits to total assets | 74.7952% | 5,223 |
| Equity capital to assets | 25.0180% | 99 |
| Core capital (leverage) ratio | 25.0923% | 96 |
| Tier 1 risk-based capital ratio | 43.0933% | 180 |
| Total risk-based capital ratio | 44.0482% | 181 |
| Memoranda: | ||
| Average total assets | $829,363,670 | 908 |
| Average earning assets | $793,490,330 | 877 |
| Average equity | $206,497,330 | 427 |
| Average total loans | $554,094,330 | 930 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,029 |
| Cost of funding earning assets | 0.5019% | 2,072 |
| Net interest margin | 3.2229% | 4,270 |
| Noninterest income to average assets | 0.0294% | 5,760 |
| Noninterest expense to average assets | 1.9844% | 5,087 |
| Loan and lease loss provision to assets | 0.0290% | 3,191 |
| Net operating income to assets | 0.6560% | 3,907 |
| Return on assets (ROA) | 0.6560% | 3,943 |
| Pretax return on assets | 1.1001% | 2,987 |
| Return on Equity (ROE) | 2.6410% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.6410% | 4,083 |
| Net charge-offs to loans | 0.2447% | 731 |
| Credit loss provision to net charge-offs | 17.8042% | 2,183 |
| Earnings coverage of net charge-offs (x) | 6.9407% | 2,185 |
| Efficiency ratio | 63.7364% | 3,882 |
| Assets per employee ($millions) | 8.6588% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,044 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7343% | 850 |
| Noncurrent loans to loans | 2.4194% | 662 |
| Net loans and leases to total assets | 65.9051% | 2,988 |
| Net loans and leases to deposits | 87.9723% | 1,800 |
| Net loans and leases to core deposits | 90.4360% | 2,317 |
| Total domestic deposits to total assets | 74.9158% | 5,339 |
| Equity capital to assets | 24.8515% | 106 |
| Core capital (leverage) ratio | 25.1940% | 97 |
| Tier 1 risk-based capital ratio | 44.0662% | 174 |
| Total risk-based capital ratio | 45.0302% | 174 |
| Memoranda: | ||
| Average total assets | $828,675,000 | 916 |
| Average earning assets | $792,946,000 | 885 |
| Average equity | $205,828,500 | 431 |
| Average total loans | $550,828,500 | 935 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 3,786 |
| Cost of funding earning assets | 0.5183% | 1,950 |
| Net interest margin | 3.3178% | 4,091 |
| Noninterest income to average assets | 0.0512% | 5,769 |
| Noninterest expense to average assets | 1.9092% | 5,348 |
| Loan and lease loss provision to assets | -0.2590% | 5,817 |
| Net operating income to assets | 1.0291% | 2,231 |
| Return on assets (ROA) | 1.0291% | 2,330 |
| Pretax return on assets | 1.5987% | 1,287 |
| Return on Equity (ROE) | 4.1538% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.1538% | 2,947 |
| Net charge-offs to loans | -0.4392% | 5,824 |
| Credit loss provision to net charge-offs | 89.7121% | 2,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7653% | 4,752 |
| Assets per employee ($millions) | 9.1789% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,921 |
| Loan loss allowance to noncurrent loans | 61.9372% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 1,634 |
| Noncurrent loans to loans | 1.3907% | 1,468 |
| Net loans and leases to total assets | 65.9285% | 3,081 |
| Net loans and leases to deposits | 87.8652% | 1,943 |
| Net loans and leases to core deposits | 90.4474% | 2,462 |
| Total domestic deposits to total assets | 75.0336% | 5,352 |
| Equity capital to assets | 24.8250% | 104 |
| Core capital (leverage) ratio | 25.0563% | 100 |
| Tier 1 risk-based capital ratio | 44.3306% | 177 |
| Total risk-based capital ratio | 45.3724% | 177 |
| Memoranda: | ||
| Average total assets | $818,182,000 | 887 |
| Average earning assets | $788,571,200 | 851 |
| Average equity | $202,707,200 | 430 |
| Average total loans | $537,801,400 | 922 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 3,759 |
| Cost of funding earning assets | 0.5143% | 1,983 |
| Net interest margin | 3.3384% | 4,066 |
| Noninterest income to average assets | 0.0451% | 5,848 |
| Noninterest expense to average assets | 1.9447% | 5,300 |
| Loan and lease loss provision to assets | -0.2695% | 5,895 |
| Net operating income to assets | 0.9545% | 2,631 |
| Return on assets (ROA) | 0.9545% | 2,772 |
| Pretax return on assets | 1.5934% | 1,399 |
| Return on Equity (ROE) | 3.8545% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,564 |
| Net charge-offs to loans | -0.4993% | 5,888 |
| Credit loss provision to net charge-offs | 82.3764% | 2,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4982% | 4,615 |
| Assets per employee ($millions) | 9.0338% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,943 |
| Loan loss allowance to noncurrent loans | 53.2739% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 1,565 |
| Noncurrent loans to loans | 1.6478% | 1,294 |
| Net loans and leases to total assets | 66.4930% | 3,042 |
| Net loans and leases to deposits | 88.9164% | 1,902 |
| Net loans and leases to core deposits | 91.5732% | 2,432 |
| Total domestic deposits to total assets | 74.7815% | 5,360 |
| Equity capital to assets | 24.9228% | 109 |
| Core capital (leverage) ratio | 24.8870% | 102 |
| Tier 1 risk-based capital ratio | 44.2715% | 181 |
| Total risk-based capital ratio | 45.3335% | 184 |
| Memoranda: | ||
| Average total assets | $816,201,750 | 888 |
| Average earning assets | $788,107,500 | 850 |
| Average equity | $202,114,000 | 431 |
| Average total loans | $534,909,500 | 922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 3,595 |
| Cost of funding earning assets | 0.5108% | 2,021 |
| Net interest margin | 3.3933% | 3,923 |
| Noninterest income to average assets | -0.0015% | 6,015 |
| Noninterest expense to average assets | 1.8881% | 5,471 |
| Loan and lease loss provision to assets | -0.4817% | 6,016 |
| Net operating income to assets | 1.1328% | 1,840 |
| Return on assets (ROA) | 1.1328% | 1,955 |
| Pretax return on assets | 1.8722% | 741 |
| Return on Equity (ROE) | 4.5847% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.5847% | 2,990 |
| Net charge-offs to loans | -0.8024% | 5,976 |
| Credit loss provision to net charge-offs | 92.3258% | 2,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5892% | 4,961 |
| Assets per employee ($millions) | 8.6528% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 5,096 |
| Loan loss allowance to noncurrent loans | 40.0741% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 1,203 |
| Noncurrent loans to loans | 2.1491% | 895 |
| Net loans and leases to total assets | 65.1300% | 3,212 |
| Net loans and leases to deposits | 87.1659% | 2,116 |
| Net loans and leases to core deposits | 89.5726% | 2,578 |
| Total domestic deposits to total assets | 74.7196% | 5,445 |
| Equity capital to assets | 24.7744% | 105 |
| Core capital (leverage) ratio | 24.8025% | 96 |
| Tier 1 risk-based capital ratio | 44.5486% | 175 |
| Total risk-based capital ratio | 45.5944% | 178 |
| Memoranda: | ||
| Average total assets | $814,242,330 | 891 |
| Average earning assets | $787,076,670 | 846 |
| Average equity | $201,190,330 | 433 |
| Average total loans | $529,390,330 | 927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,421 |
| Cost of funding earning assets | 0.5103% | 2,025 |
| Net interest margin | 3.4347% | 3,742 |
| Noninterest income to average assets | -0.0395% | 6,094 |
| Noninterest expense to average assets | 1.8713% | 5,561 |
| Loan and lease loss provision to assets | -1.2074% | 6,110 |
| Net operating income to assets | 1.5139% | 831 |
| Return on assets (ROA) | 1.5139% | 873 |
| Pretax return on assets | 2.6221% | 200 |
| Return on Equity (ROE) | 6.1352% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.1352% | 2,311 |
| Net charge-offs to loans | -2.0318% | 6,066 |
| Credit loss provision to net charge-offs | 91.8858% | 1,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9476% | 5,097 |
| Assets per employee ($millions) | 8.8728% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 5,090 |
| Loan loss allowance to noncurrent loans | 34.5248% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 1.8003% | 1,035 |
| Noncurrent loans to loans | 2.5792% | 714 |
| Net loans and leases to total assets | 64.1378% | 3,220 |
| Net loans and leases to deposits | 85.6440% | 2,097 |
| Net loans and leases to core deposits | 87.9800% | 2,568 |
| Total domestic deposits to total assets | 74.8888% | 5,532 |
| Equity capital to assets | 24.7074% | 98 |
| Core capital (leverage) ratio | 24.9706% | 94 |
| Tier 1 risk-based capital ratio | 45.0467% | 176 |
| Total risk-based capital ratio | 46.1161% | 175 |
| Memoranda: | ||
| Average total assets | $810,355,000 | 899 |
| Average earning assets | $784,574,500 | 852 |
| Average equity | $199,960,500 | 432 |
| Average total loans | $524,070,000 | 934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 2,876 |
| Cost of funding earning assets | 0.5132% | 2,040 |
| Net interest margin | 3.5975% | 3,150 |
| Noninterest income to average assets | -0.0714% | 6,136 |
| Noninterest expense to average assets | 1.7822% | 5,760 |
| Loan and lease loss provision to assets | 0.1867% | 1,196 |
| Net operating income to assets | 0.8993% | 2,873 |
| Return on assets (ROA) | 0.8993% | 2,951 |
| Pretax return on assets | 1.4631% | 1,672 |
| Return on Equity (ROE) | 3.7108% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,410 |
| Net charge-offs to loans | 0.2214% | 1,337 |
| Credit loss provision to net charge-offs | 132.7724% | 1,972 |
| Earnings coverage of net charge-offs (x) | 11.7334% | 2,534 |
| Efficiency ratio | 51.9287% | 5,637 |
| Assets per employee ($millions) | 8.8397% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 5,222 |
| Loan loss allowance to noncurrent loans | 28.2754% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 811 |
| Noncurrent loans to loans | 3.0538% | 516 |
| Net loans and leases to total assets | 64.0706% | 3,266 |
| Net loans and leases to deposits | 85.1978% | 2,216 |
| Net loans and leases to core deposits | 87.4691% | 2,654 |
| Total domestic deposits to total assets | 75.2022% | 5,535 |
| Equity capital to assets | 24.6434% | 100 |
| Core capital (leverage) ratio | 24.7747% | 92 |
| Tier 1 risk-based capital ratio | 44.7798% | 173 |
| Total risk-based capital ratio | 45.8116% | 171 |
| Memoranda: | ||
| Average total assets | $802,954,000 | 865 |
| Average earning assets | $781,940,400 | 810 |
| Average equity | $194,592,400 | 426 |
| Average total loans | $510,048,000 | 917 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 2,857 |
| Cost of funding earning assets | 0.5127% | 2,096 |
| Net interest margin | 3.6067% | 3,134 |
| Noninterest income to average assets | -0.0910% | 6,232 |
| Noninterest expense to average assets | 1.8026% | 5,774 |
| Loan and lease loss provision to assets | 0.2087% | 944 |
| Net operating income to assets | 0.8273% | 3,294 |
| Return on assets (ROA) | 0.8273% | 3,379 |
| Pretax return on assets | 1.4104% | 1,974 |
| Return on Equity (ROE) | 3.4282% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.4282% | 4,031 |
| Net charge-offs to loans | 0.2409% | 1,084 |
| Credit loss provision to net charge-offs | 136.9684% | 1,798 |
| Earnings coverage of net charge-offs (x) | 10.6281% | 2,581 |
| Efficiency ratio | 52.6824% | 5,605 |
| Assets per employee ($millions) | 8.8791% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 5,290 |
| Loan loss allowance to noncurrent loans | 24.3313% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 688 |
| Noncurrent loans to loans | 3.5936% | 422 |
| Net loans and leases to total assets | 63.2288% | 3,416 |
| Net loans and leases to deposits | 84.1347% | 2,394 |
| Net loans and leases to core deposits | 86.4629% | 2,801 |
| Total domestic deposits to total assets | 75.1519% | 5,608 |
| Equity capital to assets | 24.5458% | 104 |
| Core capital (leverage) ratio | 24.5456% | 96 |
| Tier 1 risk-based capital ratio | 44.8220% | 183 |
| Total risk-based capital ratio | 45.8590% | 185 |
| Memoranda: | ||
| Average total assets | $802,588,250 | 874 |
| Average earning assets | $781,676,750 | 817 |
| Average equity | $193,681,500 | 431 |
| Average total loans | $507,589,000 | 922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,928 |
| Cost of funding earning assets | 0.5117% | 2,150 |
| Net interest margin | 3.5801% | 3,165 |
| Noninterest income to average assets | -0.1162% | 6,307 |
| Noninterest expense to average assets | 1.7899% | 5,867 |
| Loan and lease loss provision to assets | 0.3232% | 434 |
| Net operating income to assets | 0.7293% | 3,739 |
| Return on assets (ROA) | 0.7293% | 3,858 |
| Pretax return on assets | 1.2581% | 2,515 |
| Return on Equity (ROE) | 3.0395% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.0395% | 4,107 |
| Net charge-offs to loans | 0.3816% | 684 |
| Credit loss provision to net charge-offs | 134.3330% | 1,657 |
| Earnings coverage of net charge-offs (x) | 6.5719% | 2,766 |
| Efficiency ratio | 53.0927% | 5,640 |
| Assets per employee ($millions) | 9.1613% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,393 |
| Loan loss allowance to noncurrent loans | 31.8608% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 1,208 |
| Noncurrent loans to loans | 2.7424% | 777 |
| Net loans and leases to total assets | 62.6221% | 3,463 |
| Net loans and leases to deposits | 82.6763% | 2,476 |
| Net loans and leases to core deposits | 84.8858% | 2,895 |
| Total domestic deposits to total assets | 75.7438% | 5,628 |
| Equity capital to assets | 24.0612% | 108 |
| Core capital (leverage) ratio | 24.0911% | 100 |
| Tier 1 risk-based capital ratio | 44.7361% | 200 |
| Total risk-based capital ratio | 45.7784% | 201 |
| Memoranda: | ||
| Average total assets | $803,743,330 | 879 |
| Average earning assets | $782,933,670 | 820 |
| Average equity | $192,858,330 | 432 |
| Average total loans | $506,874,330 | 921 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 2,252 |
| Cost of funding earning assets | 0.5090% | 2,214 |
| Net interest margin | 3.7465% | 2,444 |
| Noninterest income to average assets | -0.0708% | 6,364 |
| Noninterest expense to average assets | 1.7480% | 5,961 |
| Loan and lease loss provision to assets | -0.0155% | 6,114 |
| Net operating income to assets | 1.0582% | 2,004 |
| Return on assets (ROA) | 1.0582% | 2,134 |
| Pretax return on assets | 1.8472% | 797 |
| Return on Equity (ROE) | 4.4161% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,380 |
| Net charge-offs to loans | 0.0388% | 2,445 |
| Credit loss provision to net charge-offs | -63.2653% | 4,423 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 623 |
| Efficiency ratio | 48.8304% | 5,981 |
| Assets per employee ($millions) | 9.0578% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 5,698 |
| Loan loss allowance to noncurrent loans | 55.5433% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,631 |
| Noncurrent loans to loans | 1.4354% | 1,988 |
| Net loans and leases to total assets | 62.3259% | 3,317 |
| Net loans and leases to deposits | 82.2653% | 2,310 |
| Net loans and leases to core deposits | 84.4597% | 2,719 |
| Total domestic deposits to total assets | 75.7621% | 5,763 |
| Equity capital to assets | 23.9872% | 111 |
| Core capital (leverage) ratio | 24.1490% | 99 |
| Tier 1 risk-based capital ratio | 44.5213% | 205 |
| Total risk-based capital ratio | 45.4678% | 209 |
| Memoranda: | ||
| Average total assets | $802,518,000 | 882 |
| Average earning assets | $781,963,000 | 819 |
| Average equity | $192,297,500 | 434 |
| Average total loans | $505,658,500 | 925 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,428 |
| Cost of funding earning assets | 0.5116% | 2,556 |
| Net interest margin | 3.8351% | 2,491 |
| Noninterest income to average assets | 0.0006% | 6,388 |
| Noninterest expense to average assets | 1.5602% | 6,265 |
| Loan and lease loss provision to assets | -0.0058% | 5,902 |
| Net operating income to assets | 1.3387% | 1,211 |
| Return on assets (ROA) | 1.3387% | 1,261 |
| Pretax return on assets | 2.1791% | 333 |
| Return on Equity (ROE) | 5.7455% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.7455% | 2,103 |
| Net charge-offs to loans | -0.0014% | 5,360 |
| Credit loss provision to net charge-offs | 657.1429% | 402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7895% | 6,369 |
| Assets per employee ($millions) | 8.8766% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 5,738 |
| Loan loss allowance to noncurrent loans | 45.8728% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 2,137 |
| Noncurrent loans to loans | 1.7782% | 1,619 |
| Net loans and leases to total assets | 62.6773% | 3,411 |
| Net loans and leases to deposits | 82.4966% | 2,408 |
| Net loans and leases to core deposits | 84.6661% | 2,826 |
| Total domestic deposits to total assets | 75.9757% | 5,735 |
| Equity capital to assets | 23.9361% | 115 |
| Core capital (leverage) ratio | 23.9385% | 104 |
| Tier 1 risk-based capital ratio | 43.7591% | 189 |
| Total risk-based capital ratio | 44.7189% | 192 |
| Memoranda: | ||
| Average total assets | $797,767,000 | 846 |
| Average earning assets | $776,516,800 | 785 |
| Average equity | $185,883,200 | 431 |
| Average total loans | $509,377,800 | 876 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,317 |
| Cost of funding earning assets | 0.5093% | 2,671 |
| Net interest margin | 3.8671% | 2,362 |
| Noninterest income to average assets | -0.0102% | 6,494 |
| Noninterest expense to average assets | 1.5301% | 6,337 |
| Loan and lease loss provision to assets | -0.0450% | 6,171 |
| Net operating income to assets | 1.3189% | 1,317 |
| Return on assets (ROA) | 1.3189% | 1,376 |
| Pretax return on assets | 2.2687% | 315 |
| Return on Equity (ROE) | 5.6995% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.6995% | 2,606 |
| Net charge-offs to loans | -0.0392% | 5,827 |
| Credit loss provision to net charge-offs | 179.3333% | 1,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7607% | 6,439 |
| Assets per employee ($millions) | 9.5149% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 5,866 |
| Loan loss allowance to noncurrent loans | 43.1226% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 2,337 |
| Noncurrent loans to loans | 1.8602% | 1,716 |
| Net loans and leases to total assets | 62.4756% | 3,413 |
| Net loans and leases to deposits | 82.0105% | 2,424 |
| Net loans and leases to core deposits | 84.1452% | 2,865 |
| Total domestic deposits to total assets | 76.1800% | 5,793 |
| Equity capital to assets | 23.5785% | 120 |
| Core capital (leverage) ratio | 23.5785% | 114 |
| Tier 1 risk-based capital ratio | 43.1136% | 201 |
| Total risk-based capital ratio | 44.0548% | 199 |
| Memoranda: | ||
| Average total assets | $797,486,250 | 854 |
| Average earning assets | $776,239,000 | 791 |
| Average equity | $184,548,250 | 430 |
| Average total loans | $510,512,000 | 876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 2,112 |
| Cost of funding earning assets | 0.5056% | 2,778 |
| Net interest margin | 3.9141% | 2,101 |
| Noninterest income to average assets | -0.0098% | 6,570 |
| Noninterest expense to average assets | 1.5076% | 6,414 |
| Loan and lease loss provision to assets | 0.0356% | 3,574 |
| Net operating income to assets | 1.3169% | 1,256 |
| Return on assets (ROA) | 1.3169% | 1,306 |
| Pretax return on assets | 2.2570% | 326 |
| Return on Equity (ROE) | 5.7267% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,495 |
| Net charge-offs to loans | 0.0577% | 3,144 |
| Credit loss provision to net charge-offs | 95.9459% | 2,083 |
| Earnings coverage of net charge-offs (x) | 61.7230% | 787 |
| Efficiency ratio | 39.6711% | 6,528 |
| Assets per employee ($millions) | 9.5654% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 5,951 |
| Loan loss allowance to noncurrent loans | 43.5984% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 2,459 |
| Noncurrent loans to loans | 1.8564% | 1,850 |
| Net loans and leases to total assets | 63.3152% | 3,193 |
| Net loans and leases to deposits | 82.5382% | 2,189 |
| Net loans and leases to core deposits | 84.6198% | 2,676 |
| Total domestic deposits to total assets | 76.7102% | 5,831 |
| Equity capital to assets | 23.1250% | 122 |
| Core capital (leverage) ratio | 23.1250% | 113 |
| Tier 1 risk-based capital ratio | 42.0296% | 206 |
| Total risk-based capital ratio | 42.9878% | 209 |
| Memoranda: | ||
| Average total assets | $796,897,330 | 853 |
| Average earning assets | $775,706,670 | 792 |
| Average equity | $183,247,000 | 429 |
| Average total loans | $512,890,670 | 864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,852 |
| Cost of funding earning assets | 0.5027% | 2,877 |
| Net interest margin | 3.9847% | 1,820 |
| Noninterest income to average assets | -0.0181% | 6,634 |
| Noninterest expense to average assets | 1.4698% | 6,514 |
| Loan and lease loss provision to assets | -0.0549% | 6,456 |
| Net operating income to assets | 1.4148% | 962 |
| Return on assets (ROA) | 1.4148% | 1,005 |
| Pretax return on assets | 2.4461% | 247 |
| Return on Equity (ROE) | 6.1704% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.1704% | 2,448 |
| Net charge-offs to loans | 0.0117% | 3,385 |
| Credit loss provision to net charge-offs | -726.6667% | 5,261 |
| Earnings coverage of net charge-offs (x) | 316.2667% | 153 |
| Efficiency ratio | 38.0679% | 6,619 |
| Assets per employee ($millions) | 9.6518% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,130 |
| Loan loss allowance to noncurrent loans | 47.3740% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 2,877 |
| Noncurrent loans to loans | 1.6645% | 2,327 |
| Net loans and leases to total assets | 63.3255% | 3,010 |
| Net loans and leases to deposits | 82.4683% | 2,008 |
| Net loans and leases to core deposits | 84.4994% | 2,459 |
| Total domestic deposits to total assets | 76.7876% | 5,990 |
| Equity capital to assets | 22.8898% | 130 |
| Core capital (leverage) ratio | 22.8898% | 122 |
| Tier 1 risk-based capital ratio | 41.9942% | 209 |
| Total risk-based capital ratio | 42.9354% | 209 |
| Memoranda: | ||
| Average total assets | $793,597,500 | 862 |
| Average earning assets | $772,563,000 | 801 |
| Average equity | $181,966,000 | 427 |
| Average total loans | $512,892,500 | 859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,942 |
| Cost of funding earning assets | 0.5051% | 3,557 |
| Net interest margin | 3.7998% | 2,660 |
| Noninterest income to average assets | 0.0052% | 6,635 |
| Noninterest expense to average assets | 1.4648% | 6,591 |
| Loan and lease loss provision to assets | 0.0900% | 3,307 |
| Net operating income to assets | 1.3018% | 1,244 |
| Return on assets (ROA) | 1.3018% | 1,289 |
| Pretax return on assets | 2.1586% | 331 |
| Return on Equity (ROE) | 5.8652% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.8652% | 2,057 |
| Net charge-offs to loans | 0.1124% | 3,701 |
| Credit loss provision to net charge-offs | 128.2883% | 1,832 |
| Earnings coverage of net charge-offs (x) | 32.0396% | 1,117 |
| Efficiency ratio | 39.4449% | 6,697 |
| Assets per employee ($millions) | 9.9506% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,153 |
| Loan loss allowance to noncurrent loans | 42.5079% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 2,763 |
| Noncurrent loans to loans | 1.9005% | 2,115 |
| Net loans and leases to total assets | 64.9154% | 2,885 |
| Net loans and leases to deposits | 84.4346% | 1,874 |
| Net loans and leases to core deposits | 86.2293% | 2,419 |
| Total domestic deposits to total assets | 76.8825% | 5,988 |
| Equity capital to assets | 22.9694% | 124 |
| Core capital (leverage) ratio | 22.9694% | 116 |
| Tier 1 risk-based capital ratio | 41.4500% | 209 |
| Total risk-based capital ratio | 42.4238% | 207 |
| Memoranda: | ||
| Average total assets | $790,778,000 | 841 |
| Average earning assets | $771,726,200 | 780 |
| Average equity | $175,508,800 | 434 |
| Average total loans | $493,558,400 | 863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 3,058 |
| Cost of funding earning assets | 0.5044% | 3,729 |
| Net interest margin | 3.7806% | 2,712 |
| Noninterest income to average assets | 0.0032% | 6,732 |
| Noninterest expense to average assets | 1.4632% | 6,660 |
| Loan and lease loss provision to assets | 0.0362% | 4,292 |
| Net operating income to assets | 1.3334% | 1,260 |
| Return on assets (ROA) | 1.3334% | 1,313 |
| Pretax return on assets | 2.1960% | 389 |
| Return on Equity (ROE) | 6.0603% | 4,158 |
| Retained earnings to average equity (ytd only) | 6.0603% | 2,370 |
| Net charge-offs to loans | 0.1245% | 3,290 |
| Credit loss provision to net charge-offs | 47.1491% | 3,575 |
| Earnings coverage of net charge-offs (x) | 29.0770% | 1,265 |
| Efficiency ratio | 39.5945% | 6,762 |
| Assets per employee ($millions) | 9.5291% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 6,361 |
| Loan loss allowance to noncurrent loans | 37.8436% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 2,950 |
| Noncurrent loans to loans | 1.9944% | 2,253 |
| Net loans and leases to total assets | 63.2582% | 3,115 |
| Net loans and leases to deposits | 82.2271% | 2,113 |
| Net loans and leases to core deposits | 83.7027% | 2,679 |
| Total domestic deposits to total assets | 76.9311% | 6,054 |
| Equity capital to assets | 22.8040% | 127 |
| Core capital (leverage) ratio | 22.8040% | 117 |
| Tier 1 risk-based capital ratio | 42.0397% | 215 |
| Total risk-based capital ratio | 42.9423% | 218 |
| Memoranda: | ||
| Average total assets | $791,948,250 | 846 |
| Average earning assets | $773,446,500 | 782 |
| Average equity | $174,245,500 | 437 |
| Average total loans | $488,334,500 | 872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,159 |
| Cost of funding earning assets | 0.5156% | 3,746 |
| Net interest margin | 3.7332% | 2,829 |
| Noninterest income to average assets | 0.0138% | 6,761 |
| Noninterest expense to average assets | 1.4568% | 6,703 |
| Loan and lease loss provision to assets | -0.0719% | 6,675 |
| Net operating income to assets | 1.3137% | 1,288 |
| Return on assets (ROA) | 1.3137% | 1,373 |
| Pretax return on assets | 2.2756% | 362 |
| Return on Equity (ROE) | 6.0429% | 4,149 |
| Retained earnings to average equity (ytd only) | 6.0429% | 2,410 |
| Net charge-offs to loans | 0.1241% | 3,133 |
| Credit loss provision to net charge-offs | -95.0166% | 5,612 |
| Earnings coverage of net charge-offs (x) | 29.1196% | 1,170 |
| Efficiency ratio | 39.7967% | 6,805 |
| Assets per employee ($millions) | 9.6792% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7045% | 6,488 |
| Loan loss allowance to noncurrent loans | 51.2001% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 0.9402% | 3,906 |
| Noncurrent loans to loans | 1.3759% | 3,248 |
| Net loans and leases to total assets | 60.6117% | 3,558 |
| Net loans and leases to deposits | 78.0089% | 2,571 |
| Net loans and leases to core deposits | 79.4262% | 3,101 |
| Total domestic deposits to total assets | 77.6985% | 6,030 |
| Equity capital to assets | 22.1110% | 134 |
| Core capital (leverage) ratio | 22.1110% | 123 |
| Tier 1 risk-based capital ratio | 42.2140% | 206 |
| Total risk-based capital ratio | 43.0470% | 208 |
| Memoranda: | ||
| Average total assets | $795,468,330 | 841 |
| Average earning assets | $777,032,330 | 780 |
| Average equity | $172,931,330 | 438 |
| Average total loans | $485,095,670 | 871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 3,067 |
| Cost of funding earning assets | 0.5291% | 3,789 |
| Net interest margin | 3.7287% | 2,740 |
| Noninterest income to average assets | 0.0176% | 6,816 |
| Noninterest expense to average assets | 1.3979% | 6,822 |
| Loan and lease loss provision to assets | -0.1442% | 6,866 |
| Net operating income to assets | 1.3888% | 1,053 |
| Return on assets (ROA) | 1.3888% | 1,136 |
| Pretax return on assets | 2.4060% | 305 |
| Return on Equity (ROE) | 6.4433% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.4433% | 2,434 |
| Net charge-offs to loans | 0.2085% | 2,167 |
| Credit loss provision to net charge-offs | -113.4387% | 5,161 |
| Earnings coverage of net charge-offs (x) | 17.7984% | 1,296 |
| Efficiency ratio | 38.1965% | 6,899 |
| Assets per employee ($millions) | 9.7002% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 6,575 |
| Loan loss allowance to noncurrent loans | 66.8212% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 4,632 |
| Noncurrent loans to loans | 1.0680% | 4,008 |
| Net loans and leases to total assets | 60.5166% | 3,343 |
| Net loans and leases to deposits | 77.4899% | 2,421 |
| Net loans and leases to core deposits | 78.7514% | 2,963 |
| Total domestic deposits to total assets | 78.0961% | 6,102 |
| Equity capital to assets | 21.7538% | 156 |
| Core capital (leverage) ratio | 21.7538% | 143 |
| Tier 1 risk-based capital ratio | 42.8566% | 199 |
| Total risk-based capital ratio | 43.7272% | 202 |
| Memoranda: | ||
| Average total assets | $796,357,000 | 843 |
| Average earning assets | $777,859,000 | 785 |
| Average equity | $171,650,500 | 445 |
| Average total loans | $485,402,000 | 874 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 3,662 |
| Cost of funding earning assets | 0.8111% | 2,576 |
| Net interest margin | 3.6281% | 3,975 |
| Noninterest income to average assets | -0.0568% | 6,891 |
| Noninterest expense to average assets | 1.3984% | 6,911 |
| Loan and lease loss provision to assets | 0.2386% | 2,745 |
| Net operating income to assets | 1.1038% | 1,924 |
| Return on assets (ROA) | 1.1038% | 2,104 |
| Pretax return on assets | 1.8415% | 849 |
| Return on Equity (ROE) | 5.2965% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.2965% | 2,503 |
| Net charge-offs to loans | -0.1267% | 6,876 |
| Credit loss provision to net charge-offs | -307.4194% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2008% | 6,923 |
| Assets per employee ($millions) | 9.8432% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,439 |
| Loan loss allowance to noncurrent loans | 66.5557% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 4,483 |
| Noncurrent loans to loans | 1.2367% | 3,779 |
| Net loans and leases to total assets | 60.4524% | 3,526 |
| Net loans and leases to deposits | 76.9520% | 2,665 |
| Net loans and leases to core deposits | 78.2237% | 3,227 |
| Total domestic deposits to total assets | 78.5585% | 5,977 |
| Equity capital to assets | 21.3556% | 175 |
| Core capital (leverage) ratio | 20.9936% | 164 |
| Tier 1 risk-based capital ratio | 41.1851% | 214 |
| Total risk-based capital ratio | 42.1985% | 218 |
| Memoranda: | ||
| Average total assets | $798,693,400 | 825 |
| Average earning assets | $778,292,800 | 767 |
| Average equity | $166,450,800 | 451 |
| Average total loans | $489,328,200 | 843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 3,841 |
| Cost of funding earning assets | 0.8610% | 2,453 |
| Net interest margin | 3.5870% | 4,287 |
| Noninterest income to average assets | -0.0796% | 7,009 |
| Noninterest expense to average assets | 1.4203% | 6,982 |
| Loan and lease loss provision to assets | -0.0032% | 6,945 |
| Net operating income to assets | 1.2138% | 1,689 |
| Return on assets (ROA) | 1.2138% | 1,867 |
| Pretax return on assets | 1.9980% | 706 |
| Return on Equity (ROE) | 5.8602% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.8602% | 2,786 |
| Net charge-offs to loans | -0.2162% | 7,007 |
| Credit loss provision to net charge-offs | 2.3899% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5889% | 6,976 |
| Assets per employee ($millions) | 9.8803% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 6,979 |
| Loan loss allowance to noncurrent loans | 28.9186% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 4,202 |
| Noncurrent loans to loans | 1.5823% | 3,414 |
| Net loans and leases to total assets | 61.1333% | 3,547 |
| Net loans and leases to deposits | 77.6561% | 2,712 |
| Net loans and leases to core deposits | 79.0159% | 3,323 |
| Total domestic deposits to total assets | 78.7231% | 5,932 |
| Equity capital to assets | 21.0829% | 201 |
| Core capital (leverage) ratio | 20.7515% | 182 |
| Tier 1 risk-based capital ratio | 40.3177% | 234 |
| Total risk-based capital ratio | 40.8779% | 247 |
| Memoranda: | ||
| Average total assets | $799,042,000 | 834 |
| Average earning assets | $778,496,000 | 770 |
| Average equity | $165,496,500 | 449 |
| Average total loans | $490,163,750 | 842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 3,537 |
| Cost of funding earning assets | 0.9148% | 2,297 |
| Net interest margin | 3.6434% | 4,069 |
| Noninterest income to average assets | -0.0498% | 7,057 |
| Noninterest expense to average assets | 1.4345% | 7,042 |
| Loan and lease loss provision to assets | -0.2334% | 7,166 |
| Net operating income to assets | 1.4124% | 1,165 |
| Return on assets (ROA) | 1.4124% | 1,303 |
| Pretax return on assets | 2.2970% | 417 |
| Return on Equity (ROE) | 6.8605% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.8605% | 2,181 |
| Net charge-offs to loans | -0.6685% | 7,159 |
| Credit loss provision to net charge-offs | 56.9334% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0080% | 7,043 |
| Assets per employee ($millions) | 9.7603% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 7,050 |
| Loan loss allowance to noncurrent loans | 38.2616% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 4,708 |
| Noncurrent loans to loans | 1.1731% | 4,194 |
| Net loans and leases to total assets | 59.6546% | 3,887 |
| Net loans and leases to deposits | 75.3022% | 3,084 |
| Net loans and leases to core deposits | 76.4847% | 3,718 |
| Total domestic deposits to total assets | 79.2202% | 5,915 |
| Equity capital to assets | 20.6260% | 218 |
| Core capital (leverage) ratio | 20.1793% | 196 |
| Tier 1 risk-based capital ratio | 39.8136% | 232 |
| Total risk-based capital ratio | 40.3615% | 241 |
| Memoranda: | ||
| Average total assets | $798,621,330 | 829 |
| Average earning assets | $777,684,670 | 774 |
| Average equity | $164,419,670 | 450 |
| Average total loans | $489,718,000 | 842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 3,803 |
| Cost of funding earning assets | 0.9421% | 2,362 |
| Net interest margin | 3.5863% | 4,323 |
| Noninterest income to average assets | -0.1332% | 7,179 |
| Noninterest expense to average assets | 1.3763% | 7,127 |
| Loan and lease loss provision to assets | -0.7265% | 7,278 |
| Net operating income to assets | 1.6694% | 762 |
| Return on assets (ROA) | 1.6694% | 847 |
| Pretax return on assets | 2.7101% | 251 |
| Return on Equity (ROE) | 8.1161% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.1161% | 1,945 |
| Net charge-offs to loans | -1.5956% | 7,240 |
| Credit loss provision to net charge-offs | 73.3945% | 2,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9610% | 7,085 |
| Assets per employee ($millions) | 9.8841% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4098% | 7,129 |
| Loan loss allowance to noncurrent loans | 27.7840% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 4,419 |
| Noncurrent loans to loans | 1.4751% | 3,908 |
| Net loans and leases to total assets | 60.5810% | 3,535 |
| Net loans and leases to deposits | 76.5442% | 2,720 |
| Net loans and leases to core deposits | 77.7233% | 3,367 |
| Total domestic deposits to total assets | 79.1451% | 6,041 |
| Equity capital to assets | 20.5765% | 208 |
| Core capital (leverage) ratio | 20.5765% | 175 |
| Tier 1 risk-based capital ratio | 40.5195% | 223 |
| Total risk-based capital ratio | 41.0104% | 231 |
| Memoranda: | ||
| Average total assets | $792,877,500 | 838 |
| Average earning assets | $772,276,500 | 780 |
| Average equity | $163,083,000 | 450 |
| Average total loans | $491,854,000 | 840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 3,502 |
| Cost of funding earning assets | 1.2110% | 1,958 |
| Net interest margin | 3.6582% | 4,480 |
| Noninterest income to average assets | -0.0028% | 7,001 |
| Noninterest expense to average assets | 1.4552% | 7,192 |
| Loan and lease loss provision to assets | 0.9234% | 1,038 |
| Net operating income to assets | 0.7660% | 3,191 |
| Return on assets (ROA) | 0.7660% | 3,356 |
| Pretax return on assets | 1.1974% | 2,468 |
| Return on Equity (ROE) | 3.6555% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.6555% | 3,609 |
| Net charge-offs to loans | 1.3853% | 1,181 |
| Credit loss provision to net charge-offs | 101.1509% | 3,438 |
| Earnings coverage of net charge-offs (x) | 2.3231% | 4,056 |
| Efficiency ratio | 40.6934% | 7,200 |
| Assets per employee ($millions) | 9.5749% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2968% | 7,221 |
| Loan loss allowance to noncurrent loans | 24.6241% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,848 |
| Noncurrent loans to loans | 1.2052% | 4,364 |
| Net loans and leases to total assets | 63.0738% | 3,386 |
| Net loans and leases to deposits | 79.4745% | 2,615 |
| Net loans and leases to core deposits | 80.6125% | 3,371 |
| Total domestic deposits to total assets | 79.3636% | 5,904 |
| Equity capital to assets | 20.5604% | 205 |
| Core capital (leverage) ratio | 20.5604% | 178 |
| Tier 1 risk-based capital ratio | 38.6843% | 254 |
| Total risk-based capital ratio | 39.0375% | 267 |
| Memoranda: | ||
| Average total assets | $761,404,200 | 864 |
| Average earning assets | $744,867,000 | 795 |
| Average equity | $159,540,600 | 443 |
| Average total loans | $501,780,600 | 833 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 3,526 |
| Cost of funding earning assets | 1.2467% | 2,015 |
| Net interest margin | 3.6597% | 4,530 |
| Noninterest income to average assets | 0.0307% | 7,016 |
| Noninterest expense to average assets | 1.4590% | 7,255 |
| Loan and lease loss provision to assets | 0.2887% | 3,203 |
| Net operating income to assets | 1.1959% | 1,664 |
| Return on assets (ROA) | 1.1959% | 1,778 |
| Pretax return on assets | 1.8669% | 835 |
| Return on Equity (ROE) | 5.6796% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,756 |
| Net charge-offs to loans | 0.4116% | 3,083 |
| Credit loss provision to net charge-offs | 105.3445% | 3,154 |
| Earnings coverage of net charge-offs (x) | 7.8648% | 2,283 |
| Efficiency ratio | 40.3642% | 7,250 |
| Assets per employee ($millions) | 9.5506% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2899% | 7,293 |
| Loan loss allowance to noncurrent loans | 21.1332% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 4,803 |
| Noncurrent loans to loans | 1.3717% | 4,237 |
| Net loans and leases to total assets | 65.6705% | 2,968 |
| Net loans and leases to deposits | 83.2935% | 2,132 |
| Net loans and leases to core deposits | 84.3732% | 3,009 |
| Total domestic deposits to total assets | 78.8422% | 6,021 |
| Equity capital to assets | 20.9891% | 209 |
| Core capital (leverage) ratio | 20.9891% | 178 |
| Tier 1 risk-based capital ratio | 38.6785% | 274 |
| Total risk-based capital ratio | 39.0303% | 283 |
| Memoranda: | ||
| Average total assets | $755,469,750 | 874 |
| Average earning assets | $739,830,500 | 810 |
| Average equity | $159,068,750 | 453 |
| Average total loans | $503,052,500 | 841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 3,499 |
| Cost of funding earning assets | 1.2593% | 2,190 |
| Net interest margin | 3.6682% | 4,422 |
| Noninterest income to average assets | 0.0342% | 7,103 |
| Noninterest expense to average assets | 1.4072% | 7,352 |
| Loan and lease loss provision to assets | 0.1548% | 4,380 |
| Net operating income to assets | 1.2743% | 1,384 |
| Return on assets (ROA) | 1.2743% | 1,449 |
| Pretax return on assets | 2.0666% | 518 |
| Return on Equity (ROE) | 6.0455% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.0455% | 2,402 |
| Net charge-offs to loans | 0.2076% | 3,906 |
| Credit loss provision to net charge-offs | 111.5385% | 2,747 |
| Earnings coverage of net charge-offs (x) | 16.0077% | 1,369 |
| Efficiency ratio | 38.7806% | 7,353 |
| Assets per employee ($millions) | 9.2031% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2916% | 7,353 |
| Loan loss allowance to noncurrent loans | 21.8286% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 5,087 |
| Noncurrent loans to loans | 1.3358% | 4,417 |
| Net loans and leases to total assets | 65.0925% | 3,236 |
| Net loans and leases to deposits | 82.5347% | 2,369 |
| Net loans and leases to core deposits | 83.7037% | 3,255 |
| Total domestic deposits to total assets | 78.8668% | 6,115 |
| Equity capital to assets | 20.9950% | 213 |
| Core capital (leverage) ratio | 20.9950% | 186 |
| Tier 1 risk-based capital ratio | 39.5241% | 253 |
| Total risk-based capital ratio | 39.8825% | 258 |
| Memoranda: | ||
| Average total assets | $749,425,670 | 893 |
| Average earning assets | $734,366,330 | 823 |
| Average equity | $157,967,670 | 456 |
| Average total loans | $500,901,670 | 862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 3,539 |
| Cost of funding earning assets | 1.2797% | 2,305 |
| Net interest margin | 3.6313% | 4,419 |
| Noninterest income to average assets | 0.0334% | 7,207 |
| Noninterest expense to average assets | 1.3635% | 7,426 |
| Loan and lease loss provision to assets | 0.0938% | 4,842 |
| Net operating income to assets | 1.2336% | 1,446 |
| Return on assets (ROA) | 1.2336% | 1,497 |
| Pretax return on assets | 2.1363% | 446 |
| Return on Equity (ROE) | 5.8406% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.8406% | 2,733 |
| Net charge-offs to loans | 0.0940% | 4,001 |
| Credit loss provision to net charge-offs | 147.4576% | 1,932 |
| Earnings coverage of net charge-offs (x) | 35.0678% | 742 |
| Efficiency ratio | 37.9424% | 7,420 |
| Assets per employee ($millions) | 9.2705% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2902% | 7,411 |
| Loan loss allowance to noncurrent loans | 27.5456% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 5,488 |
| Noncurrent loans to loans | 1.0535% | 4,947 |
| Net loans and leases to total assets | 66.3502% | 2,918 |
| Net loans and leases to deposits | 84.4003% | 1,969 |
| Net loans and leases to core deposits | 85.5636% | 2,947 |
| Total domestic deposits to total assets | 78.6136% | 6,271 |
| Equity capital to assets | 21.0291% | 206 |
| Core capital (leverage) ratio | 21.0291% | 186 |
| Tier 1 risk-based capital ratio | 39.2961% | 250 |
| Total risk-based capital ratio | 39.6569% | 256 |
| Memoranda: | ||
| Average total assets | $742,209,500 | 905 |
| Average earning assets | $727,673,500 | 842 |
| Average equity | $156,765,500 | 455 |
| Average total loans | $502,018,500 | 872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 3,947 |
| Cost of funding earning assets | 1.5037% | 2,619 |
| Net interest margin | 3.6289% | 4,678 |
| Noninterest income to average assets | 0.0362% | 7,170 |
| Noninterest expense to average assets | 1.4933% | 7,450 |
| Loan and lease loss provision to assets | 0.0352% | 6,803 |
| Net operating income to assets | 1.2026% | 1,407 |
| Return on assets (ROA) | 1.2026% | 1,486 |
| Pretax return on assets | 2.0675% | 419 |
| Return on Equity (ROE) | 5.5291% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.5291% | 2,089 |
| Net charge-offs to loans | 0.0091% | 6,746 |
| Credit loss provision to net charge-offs | 521.2766% | 439 |
| Earnings coverage of net charge-offs (x) | 311.2553% | 72 |
| Efficiency ratio | 41.5261% | 7,476 |
| Assets per employee ($millions) | 9.1688% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2766% | 7,494 |
| Loan loss allowance to noncurrent loans | 26.2317% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 5,515 |
| Noncurrent loans to loans | 1.0544% | 4,965 |
| Net loans and leases to total assets | 68.5693% | 2,847 |
| Net loans and leases to deposits | 87.1800% | 1,911 |
| Net loans and leases to core deposits | 88.2803% | 3,014 |
| Total domestic deposits to total assets | 78.6525% | 6,179 |
| Equity capital to assets | 21.2161% | 198 |
| Core capital (leverage) ratio | 21.2161% | 190 |
| Tier 1 risk-based capital ratio | 39.0894% | 255 |
| Total risk-based capital ratio | 39.4398% | 267 |
| Memoranda: | ||
| Average total assets | $695,722,200 | 958 |
| Average earning assets | $682,464,200 | 898 |
| Average equity | $151,327,000 | 453 |
| Average total loans | $517,548,600 | 869 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 4,007 |
| Cost of funding earning assets | 1.5439% | 2,706 |
| Net interest margin | 3.6223% | 4,773 |
| Noninterest income to average assets | 0.0373% | 7,334 |
| Noninterest expense to average assets | 1.5443% | 7,529 |
| Loan and lease loss provision to assets | 0.0295% | 6,774 |
| Net operating income to assets | 1.1682% | 1,682 |
| Return on assets (ROA) | 1.1682% | 1,778 |
| Pretax return on assets | 2.0166% | 602 |
| Return on Equity (ROE) | 5.3357% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.3357% | 2,746 |
| Net charge-offs to loans | -0.0003% | 7,164 |
| Credit loss provision to net charge-offs | -15,200.0000% | 7,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0117% | 7,498 |
| Assets per employee ($millions) | 8.9005% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2658% | 7,610 |
| Loan loss allowance to noncurrent loans | 25.3524% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,630 |
| Noncurrent loans to loans | 1.0484% | 5,151 |
| Net loans and leases to total assets | 70.2117% | 2,687 |
| Net loans and leases to deposits | 89.4005% | 1,804 |
| Net loans and leases to core deposits | 90.6685% | 3,002 |
| Total domestic deposits to total assets | 78.5362% | 6,137 |
| Equity capital to assets | 21.2595% | 219 |
| Core capital (leverage) ratio | 21.2595% | 197 |
| Tier 1 risk-based capital ratio | 39.6487% | 253 |
| Total risk-based capital ratio | 39.9977% | 266 |
| Memoranda: | ||
| Average total assets | $686,276,250 | 975 |
| Average earning assets | $673,190,000 | 914 |
| Average equity | $150,253,500 | 452 |
| Average total loans | $520,847,000 | 868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 3,869 |
| Cost of funding earning assets | 1.5801% | 2,769 |
| Net interest margin | 3.6366% | 4,651 |
| Noninterest income to average assets | 0.0379% | 7,394 |
| Noninterest expense to average assets | 1.5808% | 7,576 |
| Loan and lease loss provision to assets | -0.0116% | 7,742 |
| Net operating income to assets | 1.1824% | 1,604 |
| Return on assets (ROA) | 1.1824% | 1,673 |
| Pretax return on assets | 2.0352% | 565 |
| Return on Equity (ROE) | 5.3454% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.3454% | 2,701 |
| Net charge-offs to loans | -0.0046% | 7,105 |
| Credit loss provision to net charge-offs | 325.0000% | 1,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8569% | 7,528 |
| Assets per employee ($millions) | 8.4073% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2621% | 7,680 |
| Loan loss allowance to noncurrent loans | 33.7965% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 5,972 |
| Noncurrent loans to loans | 0.7755% | 5,721 |
| Net loans and leases to total assets | 74.2796% | 1,848 |
| Net loans and leases to deposits | 95.0097% | 1,148 |
| Net loans and leases to core deposits | 96.3627% | 2,408 |
| Total domestic deposits to total assets | 78.1811% | 6,228 |
| Equity capital to assets | 21.6740% | 214 |
| Core capital (leverage) ratio | 21.6740% | 190 |
| Tier 1 risk-based capital ratio | 39.6645% | 256 |
| Total risk-based capital ratio | 40.0217% | 265 |
| Memoranda: | ||
| Average total assets | $674,722,330 | 998 |
| Average earning assets | $661,719,330 | 935 |
| Average equity | $149,248,670 | 454 |
| Average total loans | $525,285,330 | 868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 3,827 |
| Cost of funding earning assets | 1.6068% | 2,923 |
| Net interest margin | 3.6344% | 4,561 |
| Noninterest income to average assets | 0.0392% | 7,518 |
| Noninterest expense to average assets | 1.5248% | 7,702 |
| Loan and lease loss provision to assets | 0.0048% | 6,534 |
| Net operating income to assets | 1.2015% | 1,535 |
| Return on assets (ROA) | 1.2015% | 1,611 |
| Pretax return on assets | 2.0730% | 531 |
| Return on Equity (ROE) | 5.3747% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,946 |
| Net charge-offs to loans | -0.0038% | 6,793 |
| Credit loss provision to net charge-offs | -160.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3238% | 7,669 |
| Assets per employee ($millions) | 8.3605% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2627% | 7,779 |
| Loan loss allowance to noncurrent loans | 53.7980% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 6,451 |
| Noncurrent loans to loans | 0.4883% | 6,322 |
| Net loans and leases to total assets | 77.0289% | 1,321 |
| Net loans and leases to deposits | 99.2254% | 809 |
| Net loans and leases to core deposits | 100.7175% | 2,058 |
| Total domestic deposits to total assets | 77.6302% | 6,420 |
| Equity capital to assets | 22.0389% | 205 |
| Core capital (leverage) ratio | 22.0389% | 184 |
| Tier 1 risk-based capital ratio | 40.1373% | 250 |
| Total risk-based capital ratio | 40.5068% | 257 |
| Memoranda: | ||
| Average total assets | $663,179,500 | 1,041 |
| Average earning assets | $650,235,000 | 962 |
| Average equity | $148,251,500 | 461 |
| Average total loans | $528,082,500 | 889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 4,083 |
| Cost of funding earning assets | 1.9632% | 3,135 |
| Net interest margin | 3.5488% | 4,752 |
| Noninterest income to average assets | 0.0402% | 7,545 |
| Noninterest expense to average assets | 1.5293% | 7,803 |
| Loan and lease loss provision to assets | 0.1739% | 5,958 |
| Net operating income to assets | 1.0814% | 1,564 |
| Return on assets (ROA) | 1.0814% | 1,613 |
| Pretax return on assets | 1.8003% | 635 |
| Return on Equity (ROE) | 4.7174% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.7174% | 1,968 |
| Net charge-offs to loans | 0.4396% | 4,040 |
| Credit loss provision to net charge-offs | 45.6067% | 6,790 |
| Earnings coverage of net charge-offs (x) | 5.1774% | 2,668 |
| Efficiency ratio | 43.6515% | 7,790 |
| Assets per employee ($millions) | 8.3225% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2542% | 7,856 |
| Loan loss allowance to noncurrent loans | 74.8619% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 6,696 |
| Noncurrent loans to loans | 0.3395% | 6,601 |
| Net loans and leases to total assets | 81.9208% | 692 |
| Net loans and leases to deposits | 106.1410% | 543 |
| Net loans and leases to core deposits | 123.6037% | 1,667 |
| Total domestic deposits to total assets | 77.1811% | 6,422 |
| Equity capital to assets | 22.6841% | 210 |
| Core capital (leverage) ratio | 22.6841% | 199 |
| Tier 1 risk-based capital ratio | 40.3965% | 247 |
| Total risk-based capital ratio | 40.7682% | 255 |
| Memoranda: | ||
| Average total assets | $626,767,800 | 1,105 |
| Average earning assets | $611,645,000 | 1,023 |
| Average equity | $143,679,400 | 473 |
| Average total loans | $543,682,200 | 883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 4,095 |
| Cost of funding earning assets | 2.0447% | 3,145 |
| Net interest margin | 3.5155% | 4,806 |
| Noninterest income to average assets | 0.0410% | 7,685 |
| Noninterest expense to average assets | 1.6377% | 7,806 |
| Loan and lease loss provision to assets | 0.2492% | 4,961 |
| Net operating income to assets | 0.9691% | 2,166 |
| Return on assets (ROA) | 0.9691% | 2,221 |
| Pretax return on assets | 1.5813% | 1,215 |
| Return on Equity (ROE) | 4.2160% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.2160% | 2,918 |
| Net charge-offs to loans | -0.0461% | 7,850 |
| Credit loss provision to net charge-offs | -614.2857% | 7,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2241% | 7,707 |
| Assets per employee ($millions) | 8.2316% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 7,283 |
| Loan loss allowance to noncurrent loans | 221.7054% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,783 |
| Noncurrent loans to loans | 0.3344% | 6,689 |
| Net loans and leases to total assets | 84.5782% | 475 |
| Net loans and leases to deposits | 110.0280% | 462 |
| Net loans and leases to core deposits | 128.4293% | 1,540 |
| Total domestic deposits to total assets | 76.8697% | 6,370 |
| Equity capital to assets | 22.8757% | 215 |
| Core capital (leverage) ratio | 22.8757% | 213 |
| Tier 1 risk-based capital ratio | 40.9427% | 270 |
| Total risk-based capital ratio | 42.0734% | 266 |
| Memoranda: | ||
| Average total assets | $621,170,750 | 1,132 |
| Average earning assets | $605,525,750 | 1,045 |
| Average equity | $142,785,500 | 484 |
| Average total loans | $546,315,500 | 889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 3,823 |
| Cost of funding earning assets | 2.1447% | 3,065 |
| Net interest margin | 3.5033% | 4,783 |
| Noninterest income to average assets | 0.0421% | 7,776 |
| Noninterest expense to average assets | 1.6789% | 7,855 |
| Loan and lease loss provision to assets | 0.1796% | 5,249 |
| Net operating income to assets | 1.0023% | 2,095 |
| Return on assets (ROA) | 1.0023% | 2,191 |
| Pretax return on assets | 1.5894% | 1,229 |
| Return on Equity (ROE) | 4.3534% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.3534% | 2,874 |
| Net charge-offs to loans | -0.0671% | 7,893 |
| Credit loss provision to net charge-offs | -301.0870% | 7,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6977% | 7,730 |
| Assets per employee ($millions) | 7.8154% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 7,595 |
| Loan loss allowance to noncurrent loans | 222.4918% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 6,872 |
| Noncurrent loans to loans | 0.2790% | 6,823 |
| Net loans and leases to total assets | 86.8723% | 308 |
| Net loans and leases to deposits | 113.1759% | 439 |
| Net loans and leases to core deposits | 132.3351% | 1,415 |
| Total domestic deposits to total assets | 76.7586% | 6,387 |
| Equity capital to assets | 22.9621% | 250 |
| Core capital (leverage) ratio | 22.9621% | 249 |
| Tier 1 risk-based capital ratio | 40.7451% | 290 |
| Total risk-based capital ratio | 41.7081% | 295 |
| Memoranda: | ||
| Average total assets | $616,950,670 | 1,155 |
| Average earning assets | $599,721,000 | 1,073 |
| Average equity | $142,049,670 | 496 |
| Average total loans | $548,391,670 | 910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8174% | 3,212 |
| Cost of funding earning assets | 2.2673% | 2,849 |
| Net interest margin | 3.5502% | 4,527 |
| Noninterest income to average assets | 0.0431% | 7,867 |
| Noninterest expense to average assets | 1.7663% | 7,741 |
| Loan and lease loss provision to assets | 0.1234% | 5,384 |
| Net operating income to assets | 1.0640% | 2,091 |
| Return on assets (ROA) | 1.0640% | 2,221 |
| Pretax return on assets | 1.5861% | 1,442 |
| Return on Equity (ROE) | 4.6146% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.6146% | 3,360 |
| Net charge-offs to loans | -0.0073% | 7,233 |
| Credit loss provision to net charge-offs | -1,890.0000% | 6,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8264% | 7,525 |
| Assets per employee ($millions) | 7.7781% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 7,787 |
| Loan loss allowance to noncurrent loans | 248.8230% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 6,975 |
| Noncurrent loans to loans | 0.2108% | 6,927 |
| Net loans and leases to total assets | 88.1069% | 256 |
| Net loans and leases to deposits | 115.4323% | 402 |
| Net loans and leases to core deposits | 135.0006% | 1,358 |
| Total domestic deposits to total assets | 76.3278% | 6,446 |
| Equity capital to assets | 23.1267% | 272 |
| Core capital (leverage) ratio | 23.1267% | 276 |
| Tier 1 risk-based capital ratio | 41.7605% | 287 |
| Total risk-based capital ratio | 42.5992% | 287 |
| Memoranda: | ||
| Average total assets | $612,809,000 | 1,163 |
| Average earning assets | $592,425,000 | 1,089 |
| Average equity | $141,291,000 | 493 |
| Average total loans | $549,313,500 | 916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 6,276 |
| Cost of funding earning assets | 2.5091% | 4,160 |
| Net interest margin | 3.3358% | 5,915 |
| Noninterest income to average assets | 0.0410% | 7,929 |
| Noninterest expense to average assets | 1.5295% | 8,021 |
| Loan and lease loss provision to assets | 0.0177% | 7,164 |
| Net operating income to assets | 1.0597% | 2,309 |
| Return on assets (ROA) | 1.0597% | 2,212 |
| Pretax return on assets | 1.7576% | 1,035 |
| Return on Equity (ROE) | 4.6101% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.6101% | 2,258 |
| Net charge-offs to loans | 0.0162% | 6,651 |
| Credit loss provision to net charge-offs | 121.8391% | 4,410 |
| Earnings coverage of net charge-offs (x) | 122.3103% | 372 |
| Efficiency ratio | 46.2820% | 7,911 |
| Assets per employee ($millions) | 7.5451% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4789% | 7,876 |
| Loan loss allowance to noncurrent loans | 519.5695% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 7,237 |
| Noncurrent loans to loans | 0.0922% | 7,148 |
| Net loans and leases to total assets | 90.2772% | 178 |
| Net loans and leases to deposits | 121.2980% | 358 |
| Net loans and leases to core deposits | 140.5944% | 1,234 |
| Total domestic deposits to total assets | 74.4259% | 6,575 |
| Equity capital to assets | 22.9855% | 315 |
| Core capital (leverage) ratio | 22.9855% | 310 |
| Tier 1 risk-based capital ratio | 40.5127% | 332 |
| Total risk-based capital ratio | 41.2783% | 330 |
| Memoranda: | ||
| Average total assets | $599,401,200 | 1,128 |
| Average earning assets | $586,457,000 | 1,054 |
| Average equity | $137,784,600 | 511 |
| Average total loans | $538,462,400 | 888 |