Home > Savers Co-operative Bank > Performance and Condition Ratios
Savers Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 3,271 |
| Cost of funding earning assets | 1.6260% | 1,620 |
| Net interest margin | 2.7773% | 3,703 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.2987% | 2,859 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.6442% | 3,322 |
| Return on assets (ROA) | 0.6444% | 3,303 |
| Pretax return on assets | 0.8469% | 3,101 |
| Return on Equity (ROE) | 6.5800% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.5810% | 2,029 |
| Net charge-offs to loans | 0.0124% | 2,189 |
| Credit loss provision to net charge-offs | -172.3077% | 4,496 |
| Earnings coverage of net charge-offs (x) | 90.6769% | 952 |
| Efficiency ratio | 73.5220% | 1,499 |
| Assets per employee ($millions) | 8.1608% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,593 |
| Loan loss allowance to noncurrent loans | 169.0934% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 1,350 |
| Noncurrent loans to loans | 0.5517% | 1,421 |
| Net loans and leases to total assets | 74.1800% | 1,333 |
| Net loans and leases to deposits | 100.7662% | 495 |
| Net loans and leases to core deposits | 112.7917% | 856 |
| Total domestic deposits to total assets | 73.6200% | 4,128 |
| Equity capital to assets | 10.1416% | 1,923 |
| Core capital (leverage) ratio | 11.2671% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $711,971,600 | 1,291 |
| Average earning assets | $668,983,400 | 1,282 |
| Average equity | $69,715,400 | 1,251 |
| Average total loans | $525,500,800 | 1,189 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 3,330 |
| Cost of funding earning assets | 1.4854% | 1,653 |
| Net interest margin | 2.7916% | 3,733 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.2966% | 2,802 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6301% | 3,472 |
| Return on assets (ROA) | 0.6302% | 3,466 |
| Pretax return on assets | 0.8337% | 3,256 |
| Return on Equity (ROE) | 6.4900% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.4947% | 2,465 |
| Net charge-offs to loans | 0.0110% | 1,992 |
| Credit loss provision to net charge-offs | 148.8372% | 1,329 |
| Earnings coverage of net charge-offs (x) | 104.3256% | 900 |
| Efficiency ratio | 73.1747% | 1,430 |
| Assets per employee ($millions) | 8.2795% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,497 |
| Loan loss allowance to noncurrent loans | 167.6310% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 1,350 |
| Noncurrent loans to loans | 0.5789% | 1,385 |
| Net loans and leases to total assets | 73.8800% | 1,352 |
| Net loans and leases to deposits | 95.9232% | 759 |
| Net loans and leases to core deposits | 104.7669% | 1,075 |
| Total domestic deposits to total assets | 77.0200% | 3,925 |
| Equity capital to assets | 9.3606% | 2,192 |
| Core capital (leverage) ratio | 11.2041% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $710,426,750 | 1,285 |
| Average earning assets | $667,280,750 | 1,276 |
| Average equity | $68,936,250 | 1,255 |
| Average total loans | $522,438,750 | 1,189 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,383 |
| Cost of funding earning assets | 1.3340% | 1,622 |
| Net interest margin | 2.8237% | 3,787 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.2968% | 2,818 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6504% | 3,458 |
| Return on assets (ROA) | 0.6506% | 3,463 |
| Pretax return on assets | 0.8624% | 3,259 |
| Return on Equity (ROE) | 6.6300% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,407 |
| Net charge-offs to loans | 0.0124% | 1,732 |
| Credit loss provision to net charge-offs | 1,021.8750% | 403 |
| Earnings coverage of net charge-offs (x) | 106.9375% | 899 |
| Efficiency ratio | 70.3518% | 1,734 |
| Assets per employee ($millions) | 8.4855% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,211 |
| Loan loss allowance to noncurrent loans | 188.1728% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 1,318 |
| Noncurrent loans to loans | 0.5563% | 1,346 |
| Net loans and leases to total assets | 71.9400% | 1,538 |
| Net loans and leases to deposits | 93.9141% | 875 |
| Net loans and leases to core deposits | 101.7716% | 1,144 |
| Total domestic deposits to total assets | 76.6000% | 3,994 |
| Equity capital to assets | 9.6734% | 2,045 |
| Core capital (leverage) ratio | 11.2000% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $707,061,333 | 1,289 |
| Average earning assets | $664,597,667 | 1,276 |
| Average equity | $69,373,000 | 1,248 |
| Average total loans | $517,461,000 | 1,185 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 3,323 |
| Cost of funding earning assets | 1.1361% | 1,640 |
| Net interest margin | 2.9326% | 3,732 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3304% | 2,727 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6598% | 3,557 |
| Return on assets (ROA) | 0.6589% | 3,515 |
| Pretax return on assets | 0.8743% | 3,301 |
| Return on Equity (ROE) | 6.6700% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.6672% | 2,597 |
| Net charge-offs to loans | 0.0202% | 1,276 |
| Credit loss provision to net charge-offs | 461.5385% | 577 |
| Earnings coverage of net charge-offs (x) | 63.5385% | 992 |
| Efficiency ratio | 71.1693% | 1,617 |
| Assets per employee ($millions) | 8.4598% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,439 |
| Loan loss allowance to noncurrent loans | 214.6975% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,482 |
| Noncurrent loans to loans | 0.4747% | 1,529 |
| Net loans and leases to total assets | 72.2700% | 1,397 |
| Net loans and leases to deposits | 92.3496% | 895 |
| Net loans and leases to core deposits | 99.5144% | 1,112 |
| Total domestic deposits to total assets | 78.2500% | 3,978 |
| Equity capital to assets | 9.9425% | 1,849 |
| Core capital (leverage) ratio | 11.2540% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $699,957,500 | 1,313 |
| Average earning assets | $658,390,000 | 1,300 |
| Average equity | $69,174,000 | 1,257 |
| Average total loans | $514,021,000 | 1,203 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 2,733 |
| Cost of funding earning assets | 0.4393% | 1,793 |
| Net interest margin | 3.1816% | 2,925 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3449% | 2,599 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7646% | 3,440 |
| Return on assets (ROA) | 0.7644% | 3,383 |
| Pretax return on assets | 1.0218% | 3,012 |
| Return on Equity (ROE) | 7.5200% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.5249% | 2,016 |
| Net charge-offs to loans | 0.0066% | 2,164 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 232.2500% | 577 |
| Efficiency ratio | 68.2135% | 1,933 |
| Assets per employee ($millions) | 8.7252% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,019 |
| Loan loss allowance to noncurrent loans | 227.5489% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,463 |
| Noncurrent loans to loans | 0.4719% | 1,520 |
| Net loans and leases to total assets | 73.0800% | 1,307 |
| Net loans and leases to deposits | 89.4866% | 1,087 |
| Net loans and leases to core deposits | 94.7793% | 1,260 |
| Total domestic deposits to total assets | 81.6700% | 3,668 |
| Equity capital to assets | 9.8208% | 1,809 |
| Core capital (leverage) ratio | 11.3494% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $680,161,400 | 1,330 |
| Average earning assets | $638,299,200 | 1,320 |
| Average equity | $69,090,400 | 1,266 |
| Average total loans | $486,093,400 | 1,201 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 2,603 |
| Cost of funding earning assets | 0.3765% | 1,466 |
| Net interest margin | 3.1273% | 2,839 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.4033% | 2,311 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6740% | 3,637 |
| Return on assets (ROA) | 0.6738% | 3,596 |
| Pretax return on assets | 0.8967% | 3,327 |
| Return on Equity (ROE) | 6.5800% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.5782% | 2,530 |
| Net charge-offs to loans | 0.0075% | 1,859 |
| Credit loss provision to net charge-offs | 1,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 182.2222% | 656 |
| Efficiency ratio | 71.2935% | 1,610 |
| Assets per employee ($millions) | 8.3856% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,164 |
| Loan loss allowance to noncurrent loans | 235.5477% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,590 |
| Noncurrent loans to loans | 0.4530% | 1,679 |
| Net loans and leases to total assets | 74.0100% | 1,093 |
| Net loans and leases to deposits | 88.7314% | 979 |
| Net loans and leases to core deposits | 91.9517% | 1,182 |
| Total domestic deposits to total assets | 83.4000% | 3,624 |
| Equity capital to assets | 9.8198% | 1,713 |
| Core capital (leverage) ratio | 11.4027% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $677,879,000 | 1,344 |
| Average earning assets | $636,093,250 | 1,330 |
| Average equity | $69,439,500 | 1,271 |
| Average total loans | $480,311,500 | 1,210 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 2,548 |
| Cost of funding earning assets | 0.3780% | 1,062 |
| Net interest margin | 2.9812% | 2,936 |
| Noninterest income to average assets | 0.4313% | 2,563 |
| Noninterest expense to average assets | 2.4292% | 2,150 |
| Loan and lease loss provision to assets | 0.0706% | 1,355 |
| Net operating income to assets | 0.5509% | 3,759 |
| Return on assets (ROA) | 0.5504% | 3,712 |
| Pretax return on assets | 0.7254% | 3,517 |
| Return on Equity (ROE) | 5.3011% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.3011% | 2,588 |
| Net charge-offs to loans | 0.0080% | 1,698 |
| Credit loss provision to net charge-offs | 1,263.1579% | 341 |
| Earnings coverage of net charge-offs (x) | 142.5789% | 672 |
| Efficiency ratio | 75.3076% | 1,356 |
| Assets per employee ($millions) | 7.9328% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,302 |
| Loan loss allowance to noncurrent loans | 220.1176% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 1,568 |
| Noncurrent loans to loans | 0.4837% | 1,661 |
| Net loans and leases to total assets | 73.0855% | 993 |
| Net loans and leases to deposits | 87.8530% | 842 |
| Net loans and leases to core deposits | 90.9957% | 1,064 |
| Total domestic deposits to total assets | 83.1907% | 3,841 |
| Equity capital to assets | 10.1103% | 1,650 |
| Core capital (leverage) ratio | 10.9457% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $680,222,000 | 1,347 |
| Average earning assets | $637,602,667 | 1,342 |
| Average equity | $70,627,333 | 1,287 |
| Average total loans | $473,143,000 | 1,217 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 2,666 |
| Cost of funding earning assets | 0.3839% | 960 |
| Net interest margin | 2.8236% | 3,062 |
| Noninterest income to average assets | 0.3958% | 2,718 |
| Noninterest expense to average assets | 2.4140% | 2,113 |
| Loan and lease loss provision to assets | 0.0699% | 1,175 |
| Net operating income to assets | 0.4290% | 3,894 |
| Return on assets (ROA) | 0.4290% | 3,857 |
| Pretax return on assets | 0.5582% | 3,735 |
| Return on Equity (ROE) | 4.0799% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.0799% | 2,907 |
| Net charge-offs to loans | 0.0121% | 1,321 |
| Credit loss provision to net charge-offs | 857.1429% | 378 |
| Earnings coverage of net charge-offs (x) | 77.0714% | 757 |
| Efficiency ratio | 79.3532% | 1,196 |
| Assets per employee ($millions) | 7.9120% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,347 |
| Loan loss allowance to noncurrent loans | 260.6816% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 1,997 |
| Noncurrent loans to loans | 0.4198% | 1,982 |
| Net loans and leases to total assets | 66.5327% | 1,363 |
| Net loans and leases to deposits | 83.6282% | 908 |
| Net loans and leases to core deposits | 86.5548% | 1,101 |
| Total domestic deposits to total assets | 79.5577% | 4,309 |
| Equity capital to assets | 10.1508% | 1,791 |
| Core capital (leverage) ratio | 10.8340% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $687,157,500 | 1,341 |
| Average earning assets | $643,989,500 | 1,341 |
| Average equity | $72,256,000 | 1,300 |
| Average total loans | $463,591,000 | 1,230 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 3,380 |
| Cost of funding earning assets | 0.4545% | 1,166 |
| Net interest margin | 2.7834% | 3,703 |
| Noninterest income to average assets | 0.7359% | 1,639 |
| Noninterest expense to average assets | 2.3493% | 2,662 |
| Loan and lease loss provision to assets | 0.0315% | 2,421 |
| Net operating income to assets | 0.7381% | 3,523 |
| Return on assets (ROA) | 0.7374% | 3,585 |
| Pretax return on assets | 0.9818% | 3,311 |
| Return on Equity (ROE) | 6.8776% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.8776% | 1,971 |
| Net charge-offs to loans | 0.0093% | 2,228 |
| Credit loss provision to net charge-offs | 477.2727% | 822 |
| Earnings coverage of net charge-offs (x) | 153.5455% | 646 |
| Efficiency ratio | 69.8460% | 1,753 |
| Assets per employee ($millions) | 7.4512% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,380 |
| Loan loss allowance to noncurrent loans | 269.3133% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 2,176 |
| Noncurrent loans to loans | 0.4063% | 2,140 |
| Net loans and leases to total assets | 66.9262% | 1,381 |
| Net loans and leases to deposits | 84.9633% | 854 |
| Net loans and leases to core deposits | 88.3426% | 1,055 |
| Total domestic deposits to total assets | 78.7707% | 4,336 |
| Equity capital to assets | 10.8894% | 1,867 |
| Core capital (leverage) ratio | 10.8814% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $666,118,000 | 1,331 |
| Average earning assets | $628,835,400 | 1,324 |
| Average equity | $71,419,800 | 1,327 |
| Average total loans | $473,177,000 | 1,211 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 3,482 |
| Cost of funding earning assets | 0.4695% | 1,216 |
| Net interest margin | 2.7917% | 3,802 |
| Noninterest income to average assets | 0.5445% | 2,437 |
| Noninterest expense to average assets | 2.3761% | 2,515 |
| Loan and lease loss provision to assets | 0.0724% | 1,592 |
| Net operating income to assets | 0.5599% | 4,082 |
| Return on assets (ROA) | 0.5589% | 4,126 |
| Pretax return on assets | 0.7323% | 4,009 |
| Return on Equity (ROE) | 5.2341% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.2341% | 3,126 |
| Net charge-offs to loans | 0.0048% | 2,159 |
| Credit loss provision to net charge-offs | 2,117.6471% | 314 |
| Earnings coverage of net charge-offs (x) | 235.7647% | 506 |
| Efficiency ratio | 74.6746% | 1,157 |
| Assets per employee ($millions) | 7.5652% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,405 |
| Loan loss allowance to noncurrent loans | 252.0854% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 2,238 |
| Noncurrent loans to loans | 0.4397% | 2,240 |
| Net loans and leases to total assets | 68.8855% | 1,210 |
| Net loans and leases to deposits | 88.3162% | 700 |
| Net loans and leases to core deposits | 91.7625% | 931 |
| Total domestic deposits to total assets | 77.9987% | 4,427 |
| Equity capital to assets | 10.7067% | 2,258 |
| Core capital (leverage) ratio | 10.7223% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $663,132,000 | 1,351 |
| Average earning assets | $626,510,250 | 1,341 |
| Average equity | $70,815,500 | 1,358 |
| Average total loans | $476,766,000 | 1,228 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 3,405 |
| Cost of funding earning assets | 0.4836% | 1,299 |
| Net interest margin | 2.8237% | 3,739 |
| Noninterest income to average assets | 0.5623% | 2,365 |
| Noninterest expense to average assets | 2.3840% | 2,520 |
| Loan and lease loss provision to assets | 0.0728% | 1,616 |
| Net operating income to assets | 0.5894% | 4,002 |
| Return on assets (ROA) | 0.5884% | 4,061 |
| Pretax return on assets | 0.7703% | 3,923 |
| Return on Equity (ROE) | 5.5149% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.5149% | 2,990 |
| Net charge-offs to loans | 0.0017% | 2,156 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 696.2500% | 201 |
| Efficiency ratio | 73.8473% | 1,256 |
| Assets per employee ($millions) | 7.8102% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,519 |
| Loan loss allowance to noncurrent loans | 213.2384% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 2,163 |
| Noncurrent loans to loans | 0.5047% | 2,162 |
| Net loans and leases to total assets | 70.4769% | 1,146 |
| Net loans and leases to deposits | 90.5263% | 618 |
| Net loans and leases to core deposits | 94.4269% | 886 |
| Total domestic deposits to total assets | 77.8525% | 4,443 |
| Equity capital to assets | 10.7351% | 2,201 |
| Core capital (leverage) ratio | 10.6083% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $659,740,333 | 1,351 |
| Average earning assets | $622,865,333 | 1,338 |
| Average equity | $70,391,000 | 1,355 |
| Average total loans | $479,351,667 | 1,228 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 3,417 |
| Cost of funding earning assets | 0.4976% | 1,408 |
| Net interest margin | 2.8149% | 3,724 |
| Noninterest income to average assets | 0.5510% | 2,403 |
| Noninterest expense to average assets | 2.4079% | 2,471 |
| Loan and lease loss provision to assets | 0.0730% | 1,715 |
| Net operating income to assets | 0.5521% | 4,066 |
| Return on assets (ROA) | 0.5516% | 4,110 |
| Pretax return on assets | 0.7256% | 3,968 |
| Return on Equity (ROE) | 5.1863% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.1863% | 3,170 |
| Net charge-offs to loans | -0.0017% | 3,098 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0806% | 1,210 |
| Assets per employee ($millions) | 7.2156% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,693 |
| Loan loss allowance to noncurrent loans | 226.2847% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 2,483 |
| Noncurrent loans to loans | 0.4593% | 2,478 |
| Net loans and leases to total assets | 71.3733% | 1,108 |
| Net loans and leases to deposits | 91.6430% | 614 |
| Net loans and leases to core deposits | 96.4667% | 865 |
| Total domestic deposits to total assets | 77.8819% | 4,449 |
| Equity capital to assets | 10.5668% | 2,199 |
| Core capital (leverage) ratio | 10.7988% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $657,675,000 | 1,341 |
| Average earning assets | $620,560,500 | 1,336 |
| Average equity | $69,953,000 | 1,356 |
| Average total loans | $482,544,500 | 1,215 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 3,360 |
| Cost of funding earning assets | 0.8161% | 1,141 |
| Net interest margin | 2.9629% | 3,977 |
| Noninterest income to average assets | 0.5937% | 2,235 |
| Noninterest expense to average assets | 2.5047% | 2,840 |
| Loan and lease loss provision to assets | 0.0907% | 3,229 |
| Net operating income to assets | 0.6062% | 3,737 |
| Return on assets (ROA) | 0.6061% | 3,857 |
| Pretax return on assets | 0.7948% | 3,634 |
| Return on Equity (ROE) | 5.6365% | 3,696 |
| Retained earnings to average equity (ytd only) | 5.6365% | 1,976 |
| Net charge-offs to loans | 0.0319% | 2,395 |
| Credit loss provision to net charge-offs | 363.0573% | 1,551 |
| Earnings coverage of net charge-offs (x) | 35.4522% | 1,479 |
| Efficiency ratio | 73.8759% | 1,466 |
| Assets per employee ($millions) | 7.0817% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,875 |
| Loan loss allowance to noncurrent loans | 186.6590% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 2,392 |
| Noncurrent loans to loans | 0.5348% | 2,375 |
| Net loans and leases to total assets | 73.8981% | 1,032 |
| Net loans and leases to deposits | 96.3431% | 537 |
| Net loans and leases to core deposits | 102.1317% | 807 |
| Total domestic deposits to total assets | 76.7031% | 4,448 |
| Equity capital to assets | 10.7073% | 2,513 |
| Core capital (leverage) ratio | 10.5530% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $628,429,000 | 1,285 |
| Average earning assets | $593,173,600 | 1,273 |
| Average equity | $67,577,600 | 1,329 |
| Average total loans | $492,876,600 | 1,154 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,374 |
| Cost of funding earning assets | 0.8819% | 1,129 |
| Net interest margin | 2.9822% | 4,018 |
| Noninterest income to average assets | 0.5644% | 2,330 |
| Noninterest expense to average assets | 2.5030% | 2,833 |
| Loan and lease loss provision to assets | 0.0835% | 3,270 |
| Net operating income to assets | 0.6061% | 3,741 |
| Return on assets (ROA) | 0.6056% | 3,847 |
| Pretax return on assets | 0.7927% | 3,665 |
| Return on Equity (ROE) | 5.6250% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.6250% | 2,277 |
| Net charge-offs to loans | 0.0305% | 2,224 |
| Credit loss provision to net charge-offs | 345.1327% | 1,625 |
| Earnings coverage of net charge-offs (x) | 36.2389% | 1,434 |
| Efficiency ratio | 74.0560% | 1,401 |
| Assets per employee ($millions) | 7.5976% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,974 |
| Loan loss allowance to noncurrent loans | 183.4759% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 2,598 |
| Noncurrent loans to loans | 0.5076% | 2,525 |
| Net loans and leases to total assets | 76.8276% | 982 |
| Net loans and leases to deposits | 100.3490% | 522 |
| Net loans and leases to core deposits | 107.8119% | 776 |
| Total domestic deposits to total assets | 76.5604% | 4,378 |
| Equity capital to assets | 10.5305% | 2,765 |
| Core capital (leverage) ratio | 10.5168% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $622,656,500 | 1,283 |
| Average earning assets | $587,828,250 | 1,262 |
| Average equity | $67,032,000 | 1,323 |
| Average total loans | $494,517,000 | 1,138 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,368 |
| Cost of funding earning assets | 0.9507% | 1,149 |
| Net interest margin | 3.0326% | 4,051 |
| Noninterest income to average assets | 0.5336% | 2,420 |
| Noninterest expense to average assets | 2.5924% | 2,686 |
| Loan and lease loss provision to assets | 0.0686% | 3,431 |
| Net operating income to assets | 0.5652% | 3,844 |
| Return on assets (ROA) | 0.5647% | 3,928 |
| Pretax return on assets | 0.7348% | 3,784 |
| Return on Equity (ROE) | 5.2046% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.2046% | 2,385 |
| Net charge-offs to loans | 0.0465% | 1,823 |
| Credit loss provision to net charge-offs | 184.2105% | 1,984 |
| Earnings coverage of net charge-offs (x) | 21.5965% | 1,648 |
| Efficiency ratio | 76.3269% | 1,232 |
| Assets per employee ($millions) | 7.3556% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 3,988 |
| Loan loss allowance to noncurrent loans | 219.9224% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,023 |
| Noncurrent loans to loans | 0.4107% | 2,934 |
| Net loans and leases to total assets | 77.7881% | 875 |
| Net loans and leases to deposits | 102.1841% | 442 |
| Net loans and leases to core deposits | 111.6892% | 679 |
| Total domestic deposits to total assets | 76.1254% | 4,415 |
| Equity capital to assets | 10.5804% | 2,680 |
| Core capital (leverage) ratio | 10.9405% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $612,412,000 | 1,273 |
| Average earning assets | $578,116,667 | 1,254 |
| Average equity | $66,441,000 | 1,325 |
| Average total loans | $490,455,000 | 1,130 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,167 |
| Cost of funding earning assets | 1.0054% | 1,392 |
| Net interest margin | 3.2105% | 3,827 |
| Noninterest income to average assets | 0.4644% | 2,732 |
| Noninterest expense to average assets | 2.6239% | 2,909 |
| Loan and lease loss provision to assets | 0.0200% | 3,544 |
| Net operating income to assets | 0.6471% | 3,458 |
| Return on assets (ROA) | 0.6481% | 3,512 |
| Pretax return on assets | 0.8492% | 3,286 |
| Return on Equity (ROE) | 5.8960% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.8960% | 1,918 |
| Net charge-offs to loans | 0.0760% | 1,261 |
| Credit loss provision to net charge-offs | 32.6087% | 2,142 |
| Earnings coverage of net charge-offs (x) | 14.1196% | 1,614 |
| Efficiency ratio | 75.1435% | 1,669 |
| Assets per employee ($millions) | 6.6987% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,154 |
| Loan loss allowance to noncurrent loans | 177.7192% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 2,822 |
| Noncurrent loans to loans | 0.5002% | 2,768 |
| Net loans and leases to total assets | 80.9854% | 564 |
| Net loans and leases to deposits | 109.2347% | 201 |
| Net loans and leases to core deposits | 121.0736% | 437 |
| Total domestic deposits to total assets | 74.1389% | 4,651 |
| Equity capital to assets | 10.9770% | 2,874 |
| Core capital (leverage) ratio | 11.1516% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,650,500 | 1,264 |
| Average earning assets | $564,526,500 | 1,244 |
| Average equity | $65,807,500 | 1,331 |
| Average total loans | $484,517,500 | 1,121 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 3,659 |
| Cost of funding earning assets | 1.0622% | 1,464 |
| Net interest margin | 3.1939% | 4,198 |
| Noninterest income to average assets | 0.5665% | 2,391 |
| Noninterest expense to average assets | 2.6481% | 3,034 |
| Loan and lease loss provision to assets | 0.0594% | 2,848 |
| Net operating income to assets | 0.6624% | 3,982 |
| Return on assets (ROA) | 0.6637% | 4,049 |
| Pretax return on assets | 0.8650% | 3,840 |
| Return on Equity (ROE) | 6.1201% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.1201% | 1,810 |
| Net charge-offs to loans | 0.0362% | 2,658 |
| Credit loss provision to net charge-offs | 198.2759% | 1,340 |
| Earnings coverage of net charge-offs (x) | 30.7931% | 1,557 |
| Efficiency ratio | 74.1559% | 1,587 |
| Assets per employee ($millions) | 6.5321% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 3,830 |
| Loan loss allowance to noncurrent loans | 211.2750% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,988 |
| Noncurrent loans to loans | 0.4412% | 2,862 |
| Net loans and leases to total assets | 79.4000% | 873 |
| Net loans and leases to deposits | 107.4745% | 240 |
| Net loans and leases to core deposits | 120.5829% | 463 |
| Total domestic deposits to total assets | 73.8780% | 4,777 |
| Equity capital to assets | 11.0085% | 2,987 |
| Core capital (leverage) ratio | 10.9367% | 2,556 |
| Tier 1 risk-based capital ratio | 14.1306% | 3,202 |
| Total risk-based capital ratio | 15.1094% | 3,244 |
| Memoranda: | ||
| Average total assets | $580,567,600 | 1,254 |
| Average earning assets | $546,127,800 | 1,243 |
| Average equity | $62,956,000 | 1,334 |
| Average total loans | $481,133,600 | 1,114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 3,651 |
| Cost of funding earning assets | 1.0617% | 1,496 |
| Net interest margin | 3.2393% | 4,213 |
| Noninterest income to average assets | 0.5741% | 2,339 |
| Noninterest expense to average assets | 2.6590% | 2,984 |
| Loan and lease loss provision to assets | 0.0797% | 2,314 |
| Net operating income to assets | 0.6738% | 4,094 |
| Return on assets (ROA) | 0.6751% | 4,152 |
| Pretax return on assets | 0.8828% | 3,934 |
| Return on Equity (ROE) | 6.2499% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.2499% | 2,247 |
| Net charge-offs to loans | 0.0332% | 2,410 |
| Credit loss provision to net charge-offs | 287.5000% | 976 |
| Earnings coverage of net charge-offs (x) | 34.6574% | 1,488 |
| Efficiency ratio | 73.4555% | 1,647 |
| Assets per employee ($millions) | 6.2513% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,837 |
| Loan loss allowance to noncurrent loans | 199.6004% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,963 |
| Noncurrent loans to loans | 0.4746% | 2,872 |
| Net loans and leases to total assets | 80.8488% | 726 |
| Net loans and leases to deposits | 111.3575% | 196 |
| Net loans and leases to core deposits | 120.3536% | 527 |
| Total domestic deposits to total assets | 72.6029% | 4,889 |
| Equity capital to assets | 11.0271% | 3,081 |
| Core capital (leverage) ratio | 11.4892% | 2,228 |
| Tier 1 risk-based capital ratio | 14.2607% | 3,192 |
| Total risk-based capital ratio | 15.2748% | 3,222 |
| Memoranda: | ||
| Average total assets | $577,104,000 | 1,263 |
| Average earning assets | $542,622,000 | 1,252 |
| Average equity | $62,335,750 | 1,342 |
| Average total loans | $482,314,000 | 1,114 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,678 |
| Cost of funding earning assets | 1.0615% | 1,444 |
| Net interest margin | 3.2232% | 4,309 |
| Noninterest income to average assets | 0.5472% | 2,405 |
| Noninterest expense to average assets | 2.6834% | 2,961 |
| Loan and lease loss provision to assets | 0.0921% | 2,012 |
| Net operating income to assets | 0.6185% | 4,256 |
| Return on assets (ROA) | 0.6201% | 4,294 |
| Pretax return on assets | 0.8067% | 4,070 |
| Return on Equity (ROE) | 5.7818% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.7818% | 2,380 |
| Net charge-offs to loans | 0.0256% | 2,344 |
| Credit loss provision to net charge-offs | 427.4194% | 677 |
| Earnings coverage of net charge-offs (x) | 41.6290% | 1,220 |
| Efficiency ratio | 74.9539% | 1,520 |
| Assets per employee ($millions) | 6.1589% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,002 |
| Loan loss allowance to noncurrent loans | 204.6203% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,997 |
| Noncurrent loans to loans | 0.4499% | 2,923 |
| Net loans and leases to total assets | 83.1542% | 452 |
| Net loans and leases to deposits | 114.0439% | 146 |
| Net loans and leases to core deposits | 125.9136% | 393 |
| Total domestic deposits to total assets | 72.9142% | 4,911 |
| Equity capital to assets | 10.8681% | 3,205 |
| Core capital (leverage) ratio | 10.9142% | 2,674 |
| Tier 1 risk-based capital ratio | 13.8060% | 3,422 |
| Total risk-based capital ratio | 14.7909% | 3,458 |
| Memoranda: | ||
| Average total assets | $575,682,330 | 1,268 |
| Average earning assets | $541,693,330 | 1,250 |
| Average equity | $61,745,000 | 1,341 |
| Average total loans | $484,910,330 | 1,111 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 3,813 |
| Cost of funding earning assets | 1.0441% | 1,398 |
| Net interest margin | 3.1729% | 4,447 |
| Noninterest income to average assets | 0.4947% | 2,584 |
| Noninterest expense to average assets | 2.7001% | 2,905 |
| Loan and lease loss provision to assets | 0.1010% | 1,740 |
| Net operating income to assets | 0.5299% | 4,433 |
| Return on assets (ROA) | 0.5310% | 4,455 |
| Pretax return on assets | 0.6829% | 4,341 |
| Return on Equity (ROE) | 4.9838% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.9838% | 2,918 |
| Net charge-offs to loans | 0.0314% | 1,820 |
| Credit loss provision to net charge-offs | 381.5789% | 712 |
| Earnings coverage of net charge-offs (x) | 29.5526% | 1,343 |
| Efficiency ratio | 77.5310% | 1,322 |
| Assets per employee ($millions) | 6.2138% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,129 |
| Loan loss allowance to noncurrent loans | 159.3807% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 2,713 |
| Noncurrent loans to loans | 0.5685% | 2,625 |
| Net loans and leases to total assets | 82.7980% | 494 |
| Net loans and leases to deposits | 113.9976% | 147 |
| Net loans and leases to core deposits | 126.4877% | 367 |
| Total domestic deposits to total assets | 72.6314% | 5,015 |
| Equity capital to assets | 10.6595% | 3,194 |
| Core capital (leverage) ratio | 10.7985% | 2,767 |
| Tier 1 risk-based capital ratio | 13.6969% | 3,496 |
| Total risk-based capital ratio | 14.6684% | 3,553 |
| Memoranda: | ||
| Average total assets | $574,056,500 | 1,274 |
| Average earning assets | $540,572,500 | 1,256 |
| Average equity | $61,158,000 | 1,348 |
| Average total loans | $484,425,000 | 1,112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,695 |
| Cost of funding earning assets | 0.8770% | 1,186 |
| Net interest margin | 3.2385% | 4,410 |
| Noninterest income to average assets | 0.5430% | 2,592 |
| Noninterest expense to average assets | 2.7222% | 2,954 |
| Loan and lease loss provision to assets | 0.0813% | 2,500 |
| Net operating income to assets | 0.6112% | 4,383 |
| Return on assets (ROA) | 0.6222% | 4,369 |
| Pretax return on assets | 0.7894% | 4,198 |
| Return on Equity (ROE) | 5.8410% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.8410% | 2,275 |
| Net charge-offs to loans | 0.0495% | 2,449 |
| Credit loss provision to net charge-offs | 195.6522% | 1,472 |
| Earnings coverage of net charge-offs (x) | 20.6087% | 1,986 |
| Efficiency ratio | 76.0594% | 1,353 |
| Assets per employee ($millions) | 6.2663% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,254 |
| Loan loss allowance to noncurrent loans | 161.1321% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 2,704 |
| Noncurrent loans to loans | 0.5453% | 2,640 |
| Net loans and leases to total assets | 84.4798% | 372 |
| Net loans and leases to deposits | 116.8289% | 139 |
| Net loans and leases to core deposits | 130.6903% | 306 |
| Total domestic deposits to total assets | 72.3107% | 5,057 |
| Equity capital to assets | 10.6478% | 3,029 |
| Core capital (leverage) ratio | 10.6814% | 2,853 |
| Tier 1 risk-based capital ratio | 13.6798% | 3,449 |
| Total risk-based capital ratio | 14.6390% | 3,507 |
| Memoranda: | ||
| Average total assets | $553,197,600 | 1,283 |
| Average earning assets | $518,607,800 | 1,268 |
| Average equity | $58,928,000 | 1,342 |
| Average total loans | $464,836,200 | 1,118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,740 |
| Cost of funding earning assets | 0.8277% | 1,207 |
| Net interest margin | 3.2378% | 4,435 |
| Noninterest income to average assets | 0.5166% | 2,762 |
| Noninterest expense to average assets | 2.7155% | 2,935 |
| Loan and lease loss provision to assets | 0.0729% | 2,497 |
| Net operating income to assets | 0.5943% | 4,518 |
| Return on assets (ROA) | 0.6113% | 4,479 |
| Pretax return on assets | 0.7806% | 4,344 |
| Return on Equity (ROE) | 5.7385% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.7385% | 2,799 |
| Net charge-offs to loans | 0.0516% | 2,095 |
| Credit loss provision to net charge-offs | 168.5393% | 1,580 |
| Earnings coverage of net charge-offs (x) | 19.2414% | 2,017 |
| Efficiency ratio | 76.5491% | 1,284 |
| Assets per employee ($millions) | 6.1236% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,371 |
| Loan loss allowance to noncurrent loans | 147.8030% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 2,717 |
| Noncurrent loans to loans | 0.5885% | 2,615 |
| Net loans and leases to total assets | 83.4667% | 519 |
| Net loans and leases to deposits | 115.4902% | 156 |
| Net loans and leases to core deposits | 130.4212% | 322 |
| Total domestic deposits to total assets | 72.2717% | 5,106 |
| Equity capital to assets | 10.4767% | 3,167 |
| Core capital (leverage) ratio | 10.7275% | 2,861 |
| Tier 1 risk-based capital ratio | 13.7073% | 3,509 |
| Total risk-based capital ratio | 14.6608% | 3,594 |
| Memoranda: | ||
| Average total assets | $548,939,000 | 1,292 |
| Average earning assets | $513,831,750 | 1,284 |
| Average equity | $58,480,750 | 1,352 |
| Average total loans | $459,545,000 | 1,130 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,651 |
| Cost of funding earning assets | 0.7784% | 1,230 |
| Net interest margin | 3.2613% | 4,356 |
| Noninterest income to average assets | 0.5228% | 2,731 |
| Noninterest expense to average assets | 2.7877% | 2,699 |
| Loan and lease loss provision to assets | 0.0664% | 2,565 |
| Net operating income to assets | 0.5634% | 4,602 |
| Return on assets (ROA) | 0.5634% | 4,603 |
| Pretax return on assets | 0.7154% | 4,473 |
| Return on Equity (ROE) | 5.2577% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.2577% | 2,954 |
| Net charge-offs to loans | 0.0623% | 1,724 |
| Credit loss provision to net charge-offs | 127.6596% | 1,741 |
| Earnings coverage of net charge-offs (x) | 15.0284% | 2,066 |
| Efficiency ratio | 78.0982% | 1,191 |
| Assets per employee ($millions) | 5.7400% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,405 |
| Loan loss allowance to noncurrent loans | 90.6028% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 1,832 |
| Noncurrent loans to loans | 0.9751% | 1,790 |
| Net loans and leases to total assets | 83.2346% | 556 |
| Net loans and leases to deposits | 116.4185% | 154 |
| Net loans and leases to core deposits | 125.5517% | 421 |
| Total domestic deposits to total assets | 71.4960% | 5,211 |
| Equity capital to assets | 10.6677% | 2,959 |
| Core capital (leverage) ratio | 10.8178% | 2,680 |
| Tier 1 risk-based capital ratio | 13.8712% | 3,427 |
| Total risk-based capital ratio | 14.8420% | 3,476 |
| Memoranda: | ||
| Average total assets | $542,087,670 | 1,309 |
| Average earning assets | $506,421,670 | 1,302 |
| Average equity | $58,086,330 | 1,358 |
| Average total loans | $452,890,670 | 1,140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,572 |
| Cost of funding earning assets | 0.7377% | 1,251 |
| Net interest margin | 3.2718% | 4,258 |
| Noninterest income to average assets | 0.4881% | 2,878 |
| Noninterest expense to average assets | 2.8266% | 2,616 |
| Loan and lease loss provision to assets | 0.0670% | 2,431 |
| Net operating income to assets | 0.5089% | 4,670 |
| Return on assets (ROA) | 0.5089% | 4,677 |
| Pretax return on assets | 0.6436% | 4,579 |
| Return on Equity (ROE) | 4.7386% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.7386% | 3,290 |
| Net charge-offs to loans | 0.0125% | 2,308 |
| Credit loss provision to net charge-offs | 642.8571% | 494 |
| Earnings coverage of net charge-offs (x) | 68.2143% | 783 |
| Efficiency ratio | 79.9117% | 1,146 |
| Assets per employee ($millions) | 5.7439% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,374 |
| Loan loss allowance to noncurrent loans | 80.6489% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 1,669 |
| Noncurrent loans to loans | 1.1357% | 1,613 |
| Net loans and leases to total assets | 82.6663% | 578 |
| Net loans and leases to deposits | 115.4995% | 162 |
| Net loans and leases to core deposits | 122.9905% | 499 |
| Total domestic deposits to total assets | 71.5728% | 5,311 |
| Equity capital to assets | 10.7319% | 2,839 |
| Core capital (leverage) ratio | 10.8533% | 2,579 |
| Tier 1 risk-based capital ratio | 14.1738% | 3,289 |
| Total risk-based capital ratio | 15.1894% | 3,327 |
| Memoranda: | ||
| Average total assets | $537,612,500 | 1,331 |
| Average earning assets | $501,007,000 | 1,323 |
| Average equity | $57,738,000 | 1,375 |
| Average total loans | $447,965,000 | 1,154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 3,472 |
| Cost of funding earning assets | 0.6858% | 1,104 |
| Net interest margin | 3.2939% | 4,179 |
| Noninterest income to average assets | 0.5872% | 2,509 |
| Noninterest expense to average assets | 2.7308% | 3,027 |
| Loan and lease loss provision to assets | 0.1053% | 2,128 |
| Net operating income to assets | 0.4695% | 4,458 |
| Return on assets (ROA) | 0.4695% | 4,491 |
| Pretax return on assets | 0.8063% | 4,222 |
| Return on Equity (ROE) | 4.3389% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.3389% | 2,550 |
| Net charge-offs to loans | 0.0322% | 3,149 |
| Credit loss provision to net charge-offs | 398.5507% | 763 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,396 |
| Efficiency ratio | 74.9724% | 1,765 |
| Assets per employee ($millions) | 5.6946% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,429 |
| Loan loss allowance to noncurrent loans | 92.2534% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 1,860 |
| Noncurrent loans to loans | 0.9853% | 1,798 |
| Net loans and leases to total assets | 82.4620% | 617 |
| Net loans and leases to deposits | 116.9835% | 142 |
| Net loans and leases to core deposits | 125.0897% | 457 |
| Total domestic deposits to total assets | 70.4902% | 5,386 |
| Equity capital to assets | 10.7476% | 2,896 |
| Core capital (leverage) ratio | 10.8275% | 2,501 |
| Tier 1 risk-based capital ratio | 14.1357% | 3,286 |
| Total risk-based capital ratio | 15.1472% | 3,328 |
| Memoranda: | ||
| Average total assets | $522,265,400 | 1,343 |
| Average earning assets | $484,407,200 | 1,347 |
| Average equity | $56,512,000 | 1,385 |
| Average total loans | $428,894,600 | 1,169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,404 |
| Cost of funding earning assets | 0.6697% | 1,124 |
| Net interest margin | 3.3149% | 4,119 |
| Noninterest income to average assets | 0.5793% | 2,587 |
| Noninterest expense to average assets | 2.7423% | 2,920 |
| Loan and lease loss provision to assets | 0.0591% | 2,898 |
| Net operating income to assets | 0.5762% | 4,474 |
| Return on assets (ROA) | 0.5762% | 4,517 |
| Pretax return on assets | 0.8498% | 4,209 |
| Return on Equity (ROE) | 5.3159% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,667 |
| Net charge-offs to loans | 0.0370% | 2,698 |
| Credit loss provision to net charge-offs | 194.9153% | 1,369 |
| Earnings coverage of net charge-offs (x) | 29.9830% | 1,556 |
| Efficiency ratio | 75.1073% | 1,722 |
| Assets per employee ($millions) | 5.6483% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 4,742 |
| Loan loss allowance to noncurrent loans | 79.5754% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,844 |
| Noncurrent loans to loans | 1.0730% | 1,796 |
| Net loans and leases to total assets | 81.9696% | 696 |
| Net loans and leases to deposits | 115.1454% | 165 |
| Net loans and leases to core deposits | 123.4406% | 476 |
| Total domestic deposits to total assets | 71.1879% | 5,432 |
| Equity capital to assets | 10.8190% | 3,046 |
| Core capital (leverage) ratio | 10.7794% | 2,665 |
| Tier 1 risk-based capital ratio | 14.4601% | 3,205 |
| Total risk-based capital ratio | 15.4320% | 3,266 |
| Memoranda: | ||
| Average total assets | $519,008,250 | 1,360 |
| Average earning assets | $480,974,250 | 1,364 |
| Average equity | $56,257,250 | 1,406 |
| Average total loans | $424,752,500 | 1,180 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,345 |
| Cost of funding earning assets | 0.6546% | 1,118 |
| Net interest margin | 3.3063% | 4,085 |
| Noninterest income to average assets | 0.5930% | 2,495 |
| Noninterest expense to average assets | 2.7649% | 2,877 |
| Loan and lease loss provision to assets | 0.0544% | 2,886 |
| Net operating income to assets | 0.5576% | 4,484 |
| Return on assets (ROA) | 0.5576% | 4,531 |
| Pretax return on assets | 0.8333% | 4,150 |
| Return on Equity (ROE) | 5.1412% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.1412% | 2,616 |
| Net charge-offs to loans | 0.0252% | 2,707 |
| Credit loss provision to net charge-offs | 264.1509% | 1,045 |
| Earnings coverage of net charge-offs (x) | 43.1321% | 1,196 |
| Efficiency ratio | 75.6964% | 1,775 |
| Assets per employee ($millions) | 5.6576% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,811 |
| Loan loss allowance to noncurrent loans | 59.1328% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 1,411 |
| Noncurrent loans to loans | 1.4390% | 1,321 |
| Net loans and leases to total assets | 81.5683% | 733 |
| Net loans and leases to deposits | 115.0762% | 182 |
| Net loans and leases to core deposits | 123.4676% | 449 |
| Total domestic deposits to total assets | 70.8820% | 5,509 |
| Equity capital to assets | 10.6498% | 3,174 |
| Core capital (leverage) ratio | 10.8062% | 2,591 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,222 |
| Total risk-based capital ratio | 15.3781% | 3,268 |
| Memoranda: | ||
| Average total assets | $515,032,330 | 1,376 |
| Average earning assets | $476,602,670 | 1,378 |
| Average equity | $55,862,330 | 1,419 |
| Average total loans | $420,018,670 | 1,193 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,249 |
| Cost of funding earning assets | 0.6352% | 1,161 |
| Net interest margin | 3.3033% | 3,997 |
| Noninterest income to average assets | 0.5187% | 2,851 |
| Noninterest expense to average assets | 2.7838% | 2,844 |
| Loan and lease loss provision to assets | 0.0474% | 2,865 |
| Net operating income to assets | 0.5124% | 4,548 |
| Return on assets (ROA) | 0.5124% | 4,579 |
| Pretax return on assets | 0.7421% | 4,307 |
| Return on Equity (ROE) | 4.6796% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.6796% | 3,067 |
| Net charge-offs to loans | 0.0389% | 2,031 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,339 |
| Efficiency ratio | 77.9054% | 1,642 |
| Assets per employee ($millions) | 5.4210% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,841 |
| Loan loss allowance to noncurrent loans | 59.3187% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 1,378 |
| Noncurrent loans to loans | 1.4771% | 1,364 |
| Net loans and leases to total assets | 80.3353% | 798 |
| Net loans and leases to deposits | 111.0108% | 203 |
| Net loans and leases to core deposits | 118.7309% | 493 |
| Total domestic deposits to total assets | 72.3671% | 5,524 |
| Equity capital to assets | 10.8334% | 2,818 |
| Core capital (leverage) ratio | 11.0339% | 2,329 |
| Tier 1 risk-based capital ratio | 14.9508% | 2,988 |
| Total risk-based capital ratio | 15.9680% | 3,031 |
| Memoranda: | ||
| Average total assets | $506,642,500 | 1,403 |
| Average earning assets | $468,500,500 | 1,413 |
| Average equity | $55,475,000 | 1,419 |
| Average total loans | $411,271,500 | 1,219 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,503 |
| Cost of funding earning assets | 0.6201% | 1,210 |
| Net interest margin | 3.2981% | 4,148 |
| Noninterest income to average assets | 0.7152% | 2,100 |
| Noninterest expense to average assets | 2.8555% | 2,829 |
| Loan and lease loss provision to assets | 0.0409% | 3,562 |
| Net operating income to assets | 0.5748% | 4,325 |
| Return on assets (ROA) | 0.5748% | 4,429 |
| Pretax return on assets | 0.8335% | 4,077 |
| Return on Equity (ROE) | 5.2233% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,187 |
| Net charge-offs to loans | 0.0325% | 3,373 |
| Credit loss provision to net charge-offs | 158.7302% | 1,734 |
| Earnings coverage of net charge-offs (x) | 33.9048% | 1,329 |
| Efficiency ratio | 76.5558% | 1,910 |
| Assets per employee ($millions) | 5.4757% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,793 |
| Loan loss allowance to noncurrent loans | 59.4056% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 1,412 |
| Noncurrent loans to loans | 1.5115% | 1,320 |
| Net loans and leases to total assets | 80.5807% | 799 |
| Net loans and leases to deposits | 109.0639% | 250 |
| Net loans and leases to core deposits | 115.4963% | 638 |
| Total domestic deposits to total assets | 73.8839% | 5,450 |
| Equity capital to assets | 11.0695% | 2,567 |
| Core capital (leverage) ratio | 11.1177% | 2,239 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,066 |
| Total risk-based capital ratio | 15.7823% | 3,118 |
| Memoranda: | ||
| Average total assets | $488,529,800 | 1,411 |
| Average earning assets | $446,555,200 | 1,421 |
| Average equity | $53,759,000 | 1,428 |
| Average total loans | $388,254,400 | 1,228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,519 |
| Cost of funding earning assets | 0.6205% | 1,201 |
| Net interest margin | 3.2989% | 4,190 |
| Noninterest income to average assets | 0.6956% | 2,190 |
| Noninterest expense to average assets | 2.8743% | 2,723 |
| Loan and lease loss provision to assets | 0.0274% | 3,696 |
| Net operating income to assets | 0.5568% | 4,467 |
| Return on assets (ROA) | 0.5568% | 4,576 |
| Pretax return on assets | 0.8053% | 4,294 |
| Return on Equity (ROE) | 5.0677% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.0677% | 2,780 |
| Net charge-offs to loans | 0.0122% | 3,521 |
| Credit loss provision to net charge-offs | 285.7143% | 1,080 |
| Earnings coverage of net charge-offs (x) | 86.7345% | 725 |
| Efficiency ratio | 77.5361% | 1,760 |
| Assets per employee ($millions) | 5.3482% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,798 |
| Loan loss allowance to noncurrent loans | 77.5545% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 2,129 |
| Noncurrent loans to loans | 1.1882% | 1,892 |
| Net loans and leases to total assets | 79.2780% | 997 |
| Net loans and leases to deposits | 106.8204% | 348 |
| Net loans and leases to core deposits | 113.0909% | 761 |
| Total domestic deposits to total assets | 74.2161% | 5,412 |
| Equity capital to assets | 11.0747% | 2,937 |
| Core capital (leverage) ratio | 11.0169% | 2,434 |
| Tier 1 risk-based capital ratio | 16.1155% | 2,579 |
| Total risk-based capital ratio | 17.2314% | 2,571 |
| Memoranda: | ||
| Average total assets | $486,090,500 | 1,418 |
| Average earning assets | $443,727,250 | 1,437 |
| Average equity | $53,409,250 | 1,446 |
| Average total loans | $384,027,750 | 1,234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 3,564 |
| Cost of funding earning assets | 0.6153% | 1,223 |
| Net interest margin | 3.2982% | 4,244 |
| Noninterest income to average assets | 0.7279% | 2,018 |
| Noninterest expense to average assets | 2.8700% | 2,773 |
| Loan and lease loss provision to assets | 0.0413% | 3,333 |
| Net operating income to assets | 0.5681% | 4,407 |
| Return on assets (ROA) | 0.5681% | 4,532 |
| Pretax return on assets | 0.8217% | 4,209 |
| Return on Equity (ROE) | 5.1839% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.1839% | 2,610 |
| Net charge-offs to loans | 0.0095% | 3,379 |
| Credit loss provision to net charge-offs | 555.5556% | 608 |
| Earnings coverage of net charge-offs (x) | 116.0556% | 506 |
| Efficiency ratio | 76.8814% | 1,949 |
| Assets per employee ($millions) | 5.3959% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,819 |
| Loan loss allowance to noncurrent loans | 68.8906% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 1,968 |
| Noncurrent loans to loans | 1.3571% | 1,651 |
| Net loans and leases to total assets | 76.9647% | 1,343 |
| Net loans and leases to deposits | 104.6874% | 430 |
| Net loans and leases to core deposits | 112.0520% | 810 |
| Total domestic deposits to total assets | 73.5186% | 5,566 |
| Equity capital to assets | 10.7344% | 3,358 |
| Core capital (leverage) ratio | 11.1826% | 2,255 |
| Tier 1 risk-based capital ratio | 16.0547% | 2,618 |
| Total risk-based capital ratio | 17.1829% | 2,611 |
| Memoranda: | ||
| Average total assets | $484,110,000 | 1,428 |
| Average earning assets | $441,089,670 | 1,451 |
| Average equity | $53,048,670 | 1,459 |
| Average total loans | $380,803,330 | 1,245 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,322 |
| Cost of funding earning assets | 0.6165% | 1,232 |
| Net interest margin | 3.3563% | 4,021 |
| Noninterest income to average assets | 0.5824% | 2,628 |
| Noninterest expense to average assets | 2.8869% | 2,745 |
| Loan and lease loss provision to assets | 0.0673% | 2,612 |
| Net operating income to assets | 0.4814% | 4,706 |
| Return on assets (ROA) | 0.4814% | 4,803 |
| Pretax return on assets | 0.6750% | 4,608 |
| Return on Equity (ROE) | 4.3465% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,307 |
| Net charge-offs to loans | -0.0096% | 4,515 |
| Credit loss provision to net charge-offs | -888.8889% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 1,659 |
| Assets per employee ($millions) | 4.9911% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 4,780 |
| Loan loss allowance to noncurrent loans | 62.0561% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 1,733 |
| Noncurrent loans to loans | 1.5554% | 1,501 |
| Net loans and leases to total assets | 78.2041% | 1,075 |
| Net loans and leases to deposits | 105.3381% | 364 |
| Net loans and leases to core deposits | 113.4752% | 693 |
| Total domestic deposits to total assets | 74.2410% | 5,596 |
| Equity capital to assets | 11.0488% | 2,887 |
| Core capital (leverage) ratio | 11.0962% | 2,318 |
| Tier 1 risk-based capital ratio | 16.3544% | 2,540 |
| Total risk-based capital ratio | 17.5303% | 2,519 |
| Memoranda: | ||
| Average total assets | $475,257,000 | 1,444 |
| Average earning assets | $431,433,500 | 1,476 |
| Average equity | $52,639,500 | 1,462 |
| Average total loans | $376,272,000 | 1,253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,443 |
| Cost of funding earning assets | 0.5813% | 1,486 |
| Net interest margin | 3.3853% | 3,962 |
| Noninterest income to average assets | 0.6376% | 2,525 |
| Noninterest expense to average assets | 2.9231% | 2,787 |
| Loan and lease loss provision to assets | 0.1251% | 1,927 |
| Net operating income to assets | 0.4892% | 4,735 |
| Return on assets (ROA) | 0.4892% | 4,825 |
| Pretax return on assets | 0.6816% | 4,580 |
| Return on Equity (ROE) | 4.4159% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.4159% | 2,838 |
| Net charge-offs to loans | 0.0933% | 2,498 |
| Credit loss provision to net charge-offs | 169.5906% | 1,591 |
| Earnings coverage of net charge-offs (x) | 10.9327% | 2,647 |
| Efficiency ratio | 78.3698% | 1,908 |
| Assets per employee ($millions) | 5.1236% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,858 |
| Loan loss allowance to noncurrent loans | 61.5584% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 1,718 |
| Noncurrent loans to loans | 1.5468% | 1,489 |
| Net loans and leases to total assets | 78.6258% | 1,043 |
| Net loans and leases to deposits | 106.2963% | 354 |
| Net loans and leases to core deposits | 113.9750% | 681 |
| Total domestic deposits to total assets | 73.9685% | 5,650 |
| Equity capital to assets | 11.1036% | 2,724 |
| Core capital (leverage) ratio | 11.2663% | 2,146 |
| Tier 1 risk-based capital ratio | 16.4780% | 2,494 |
| Total risk-based capital ratio | 17.6453% | 2,486 |
| Memoranda: | ||
| Average total assets | $463,446,600 | 1,453 |
| Average earning assets | $423,331,200 | 1,468 |
| Average equity | $51,337,400 | 1,446 |
| Average total loans | $366,419,200 | 1,245 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 3,488 |
| Cost of funding earning assets | 0.5823% | 1,523 |
| Net interest margin | 3.3797% | 4,033 |
| Noninterest income to average assets | 0.6345% | 2,561 |
| Noninterest expense to average assets | 2.9257% | 2,760 |
| Loan and lease loss provision to assets | 0.0925% | 2,323 |
| Net operating income to assets | 0.5014% | 4,781 |
| Return on assets (ROA) | 0.5004% | 4,876 |
| Pretax return on assets | 0.7021% | 4,675 |
| Return on Equity (ROE) | 4.5203% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.5203% | 3,255 |
| Net charge-offs to loans | 0.1024% | 2,111 |
| Credit loss provision to net charge-offs | 114.2857% | 2,063 |
| Earnings coverage of net charge-offs (x) | 9.8394% | 2,657 |
| Efficiency ratio | 78.6119% | 1,873 |
| Assets per employee ($millions) | 4.8765% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9142% | 5,149 |
| Loan loss allowance to noncurrent loans | 64.7115% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 2,117 |
| Noncurrent loans to loans | 1.4127% | 1,799 |
| Net loans and leases to total assets | 78.7282% | 994 |
| Net loans and leases to deposits | 104.6788% | 420 |
| Net loans and leases to core deposits | 112.2307% | 752 |
| Total domestic deposits to total assets | 75.2093% | 5,604 |
| Equity capital to assets | 11.2129% | 2,788 |
| Core capital (leverage) ratio | 11.1749% | 2,326 |
| Tier 1 risk-based capital ratio | 16.6787% | 2,488 |
| Total risk-based capital ratio | 17.7989% | 2,506 |
| Memoranda: | ||
| Average total assets | $461,466,250 | 1,460 |
| Average earning assets | $421,526,500 | 1,480 |
| Average equity | $51,087,000 | 1,459 |
| Average total loans | $364,479,000 | 1,249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,460 |
| Cost of funding earning assets | 0.5873% | 1,506 |
| Net interest margin | 3.3702% | 4,014 |
| Noninterest income to average assets | 0.6336% | 2,558 |
| Noninterest expense to average assets | 2.9171% | 2,828 |
| Loan and lease loss provision to assets | 0.0868% | 2,374 |
| Net operating income to assets | 0.5021% | 4,760 |
| Return on assets (ROA) | 0.5021% | 4,866 |
| Pretax return on assets | 0.7052% | 4,634 |
| Return on Equity (ROE) | 4.5551% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.5551% | 3,132 |
| Net charge-offs to loans | 0.1140% | 1,865 |
| Credit loss provision to net charge-offs | 96.6184% | 2,120 |
| Earnings coverage of net charge-offs (x) | 8.8164% | 2,528 |
| Efficiency ratio | 78.6475% | 1,968 |
| Assets per employee ($millions) | 5.0936% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 5,286 |
| Loan loss allowance to noncurrent loans | 66.6734% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 2,369 |
| Noncurrent loans to loans | 1.3563% | 1,991 |
| Net loans and leases to total assets | 78.4691% | 1,006 |
| Net loans and leases to deposits | 103.7129% | 468 |
| Net loans and leases to core deposits | 111.9001% | 752 |
| Total domestic deposits to total assets | 75.6599% | 5,640 |
| Equity capital to assets | 11.0850% | 2,800 |
| Core capital (leverage) ratio | 11.0378% | 2,387 |
| Tier 1 risk-based capital ratio | 16.7807% | 2,494 |
| Total risk-based capital ratio | 17.9076% | 2,485 |
| Memoranda: | ||
| Average total assets | $460,865,000 | 1,472 |
| Average earning assets | $420,572,000 | 1,492 |
| Average equity | $50,800,670 | 1,469 |
| Average total loans | $363,275,670 | 1,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 3,405 |
| Cost of funding earning assets | 0.5973% | 1,457 |
| Net interest margin | 3.3556% | 4,001 |
| Noninterest income to average assets | 0.6084% | 2,601 |
| Noninterest expense to average assets | 2.9430% | 2,768 |
| Loan and lease loss provision to assets | 0.0696% | 2,547 |
| Net operating income to assets | 0.4709% | 4,795 |
| Return on assets (ROA) | 0.4709% | 4,914 |
| Pretax return on assets | 0.6572% | 4,733 |
| Return on Equity (ROE) | 4.2843% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.2843% | 3,443 |
| Net charge-offs to loans | 0.0675% | 2,061 |
| Credit loss provision to net charge-offs | 131.1475% | 1,365 |
| Earnings coverage of net charge-offs (x) | 13.6885% | 1,708 |
| Efficiency ratio | 80.1945% | 1,876 |
| Assets per employee ($millions) | 5.1779% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 5,362 |
| Loan loss allowance to noncurrent loans | 57.0065% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 2,036 |
| Noncurrent loans to loans | 1.6204% | 1,720 |
| Net loans and leases to total assets | 77.8287% | 958 |
| Net loans and leases to deposits | 104.5372% | 350 |
| Net loans and leases to core deposits | 113.1758% | 603 |
| Total domestic deposits to total assets | 74.4507% | 5,871 |
| Equity capital to assets | 11.0187% | 2,947 |
| Core capital (leverage) ratio | 10.9629% | 2,445 |
| Tier 1 risk-based capital ratio | 16.6890% | 2,599 |
| Total risk-based capital ratio | 17.8284% | 2,600 |
| Memoranda: | ||
| Average total assets | $459,538,000 | 1,479 |
| Average earning assets | $419,240,500 | 1,508 |
| Average equity | $50,510,500 | 1,486 |
| Average total loans | $361,394,500 | 1,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,771 |
| Cost of funding earning assets | 0.6645% | 1,304 |
| Net interest margin | 3.3230% | 4,500 |
| Noninterest income to average assets | 0.6120% | 2,788 |
| Noninterest expense to average assets | 2.8791% | 3,210 |
| Loan and lease loss provision to assets | 0.1723% | 1,508 |
| Net operating income to assets | 0.4339% | 5,094 |
| Return on assets (ROA) | 0.4328% | 5,188 |
| Pretax return on assets | 0.6084% | 4,917 |
| Return on Equity (ROE) | 3.9881% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.9881% | 3,377 |
| Net charge-offs to loans | 0.0958% | 3,135 |
| Credit loss provision to net charge-offs | 232.8358% | 1,083 |
| Earnings coverage of net charge-offs (x) | 10.5701% | 2,598 |
| Efficiency ratio | 78.6339% | 2,115 |
| Assets per employee ($millions) | 4.8749% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 5,398 |
| Loan loss allowance to noncurrent loans | 56.1087% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 2,182 |
| Noncurrent loans to loans | 1.6425% | 1,784 |
| Net loans and leases to total assets | 78.0066% | 999 |
| Net loans and leases to deposits | 105.7990% | 366 |
| Net loans and leases to core deposits | 114.6595% | 570 |
| Total domestic deposits to total assets | 73.7309% | 5,967 |
| Equity capital to assets | 10.9643% | 2,929 |
| Core capital (leverage) ratio | 10.8080% | 2,604 |
| Tier 1 risk-based capital ratio | 16.8442% | 2,580 |
| Total risk-based capital ratio | 18.0009% | 2,574 |
| Memoranda: | ||
| Average total assets | $452,649,000 | 1,467 |
| Average earning assets | $415,374,400 | 1,478 |
| Average equity | $49,121,000 | 1,467 |
| Average total loans | $349,721,800 | 1,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,848 |
| Cost of funding earning assets | 0.6681% | 1,333 |
| Net interest margin | 3.3086% | 4,572 |
| Noninterest income to average assets | 0.5889% | 2,937 |
| Noninterest expense to average assets | 2.8855% | 3,175 |
| Loan and lease loss provision to assets | 0.1728% | 1,425 |
| Net operating income to assets | 0.4080% | 5,212 |
| Return on assets (ROA) | 0.4095% | 5,287 |
| Pretax return on assets | 0.5714% | 5,124 |
| Return on Equity (ROE) | 3.7836% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.7836% | 3,965 |
| Net charge-offs to loans | 0.0811% | 3,040 |
| Credit loss provision to net charge-offs | 277.2512% | 965 |
| Earnings coverage of net charge-offs (x) | 11.9051% | 2,366 |
| Efficiency ratio | 79.5406% | 1,983 |
| Assets per employee ($millions) | 4.9725% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 5,614 |
| Loan loss allowance to noncurrent loans | 55.0220% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 2,409 |
| Noncurrent loans to loans | 1.6277% | 2,005 |
| Net loans and leases to total assets | 77.8670% | 974 |
| Net loans and leases to deposits | 106.3179% | 317 |
| Net loans and leases to core deposits | 115.3806% | 536 |
| Total domestic deposits to total assets | 73.2398% | 6,074 |
| Equity capital to assets | 10.7350% | 3,251 |
| Core capital (leverage) ratio | 10.7164% | 2,800 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,801 |
| Total risk-based capital ratio | 17.6655% | 2,803 |
| Memoranda: | ||
| Average total assets | $451,250,750 | 1,483 |
| Average earning assets | $414,468,250 | 1,488 |
| Average equity | $48,840,500 | 1,479 |
| Average total loans | $346,956,250 | 1,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,861 |
| Cost of funding earning assets | 0.6687% | 1,389 |
| Net interest margin | 3.2986% | 4,588 |
| Noninterest income to average assets | 0.5560% | 3,077 |
| Noninterest expense to average assets | 2.9246% | 3,086 |
| Loan and lease loss provision to assets | 0.1877% | 1,298 |
| Net operating income to assets | 0.3535% | 5,395 |
| Return on assets (ROA) | 0.3535% | 5,463 |
| Pretax return on assets | 0.4773% | 5,344 |
| Return on Equity (ROE) | 3.2570% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.2570% | 4,129 |
| Net charge-offs to loans | 0.1066% | 2,614 |
| Credit loss provision to net charge-offs | 230.7692% | 1,047 |
| Earnings coverage of net charge-offs (x) | 8.1758% | 2,527 |
| Efficiency ratio | 81.4741% | 1,809 |
| Assets per employee ($millions) | 5.0339% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 5,733 |
| Loan loss allowance to noncurrent loans | 53.8050% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2705% | 2,572 |
| Noncurrent loans to loans | 1.6651% | 2,080 |
| Net loans and leases to total assets | 75.2943% | 1,266 |
| Net loans and leases to deposits | 101.8560% | 460 |
| Net loans and leases to core deposits | 110.6233% | 669 |
| Total domestic deposits to total assets | 73.9223% | 6,117 |
| Equity capital to assets | 10.7036% | 3,194 |
| Core capital (leverage) ratio | 10.6509% | 2,770 |
| Tier 1 risk-based capital ratio | 17.0558% | 2,595 |
| Total risk-based capital ratio | 18.1869% | 2,608 |
| Memoranda: | ||
| Average total assets | $447,521,000 | 1,490 |
| Average earning assets | $411,567,670 | 1,493 |
| Average equity | $48,573,000 | 1,472 |
| Average total loans | $341,494,330 | 1,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 3,849 |
| Cost of funding earning assets | 0.6587% | 1,525 |
| Net interest margin | 3.3026% | 4,527 |
| Noninterest income to average assets | 0.5309% | 3,186 |
| Noninterest expense to average assets | 2.9378% | 3,089 |
| Loan and lease loss provision to assets | 0.1492% | 1,628 |
| Net operating income to assets | 0.3582% | 5,283 |
| Return on assets (ROA) | 0.3582% | 5,343 |
| Pretax return on assets | 0.4821% | 5,220 |
| Return on Equity (ROE) | 3.2765% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.2765% | 4,155 |
| Net charge-offs to loans | 0.1951% | 1,562 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 4.2303% | 2,555 |
| Efficiency ratio | 82.3112% | 1,887 |
| Assets per employee ($millions) | 4.6732% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,054 |
| Loan loss allowance to noncurrent loans | 51.7334% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 2,797 |
| Noncurrent loans to loans | 1.5904% | 2,429 |
| Net loans and leases to total assets | 75.8052% | 1,023 |
| Net loans and leases to deposits | 102.7398% | 341 |
| Net loans and leases to core deposits | 111.0566% | 548 |
| Total domestic deposits to total assets | 73.7837% | 6,259 |
| Equity capital to assets | 10.6075% | 3,134 |
| Core capital (leverage) ratio | 10.9396% | 2,448 |
| Tier 1 risk-based capital ratio | 16.4720% | 2,910 |
| Total risk-based capital ratio | 17.4906% | 2,999 |
| Memoranda: | ||
| Average total assets | $442,241,000 | 1,518 |
| Average earning assets | $406,832,500 | 1,513 |
| Average equity | $48,344,000 | 1,483 |
| Average total loans | $338,228,000 | 1,300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,923 |
| Cost of funding earning assets | 0.7108% | 1,737 |
| Net interest margin | 3.3396% | 4,520 |
| Noninterest income to average assets | 0.6798% | 2,650 |
| Noninterest expense to average assets | 2.9723% | 3,124 |
| Loan and lease loss provision to assets | 0.1107% | 2,960 |
| Net operating income to assets | 0.4651% | 4,890 |
| Return on assets (ROA) | 0.4651% | 5,023 |
| Pretax return on assets | 0.6480% | 4,709 |
| Return on Equity (ROE) | 4.1972% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.1972% | 3,189 |
| Net charge-offs to loans | 0.0479% | 4,554 |
| Credit loss provision to net charge-offs | 309.8684% | 738 |
| Earnings coverage of net charge-offs (x) | 21.2303% | 1,502 |
| Efficiency ratio | 79.6635% | 2,211 |
| Assets per employee ($millions) | 4.3970% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 5,979 |
| Loan loss allowance to noncurrent loans | 48.0000% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 2,636 |
| Noncurrent loans to loans | 1.8382% | 2,186 |
| Net loans and leases to total assets | 75.8551% | 1,094 |
| Net loans and leases to deposits | 97.9103% | 595 |
| Net loans and leases to core deposits | 106.2618% | 777 |
| Total domestic deposits to total assets | 77.4740% | 5,902 |
| Equity capital to assets | 11.2796% | 2,361 |
| Core capital (leverage) ratio | 11.1694% | 2,223 |
| Tier 1 risk-based capital ratio | 17.8721% | 2,284 |
| Total risk-based capital ratio | 18.9898% | 2,303 |
| Memoranda: | ||
| Average total assets | $425,293,400 | 1,556 |
| Average earning assets | $388,583,400 | 1,558 |
| Average equity | $47,126,400 | 1,488 |
| Average total loans | $317,148,600 | 1,335 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,867 |
| Cost of funding earning assets | 0.7197% | 1,814 |
| Net interest margin | 3.3507% | 4,462 |
| Noninterest income to average assets | 0.6971% | 2,627 |
| Noninterest expense to average assets | 2.9672% | 3,088 |
| Loan and lease loss provision to assets | 0.1180% | 2,822 |
| Net operating income to assets | 0.4781% | 4,897 |
| Return on assets (ROA) | 0.4781% | 5,051 |
| Pretax return on assets | 0.6692% | 4,795 |
| Return on Equity (ROE) | 4.3343% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.3343% | 3,593 |
| Net charge-offs to loans | 0.0538% | 4,139 |
| Credit loss provision to net charge-offs | 296.0630% | 862 |
| Earnings coverage of net charge-offs (x) | 19.7558% | 1,621 |
| Efficiency ratio | 79.0340% | 2,254 |
| Assets per employee ($millions) | 4.5113% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 6,116 |
| Loan loss allowance to noncurrent loans | 52.9689% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 3,166 |
| Noncurrent loans to loans | 1.6543% | 2,700 |
| Net loans and leases to total assets | 74.1705% | 1,268 |
| Net loans and leases to deposits | 95.8003% | 706 |
| Net loans and leases to core deposits | 103.4571% | 905 |
| Total domestic deposits to total assets | 77.4220% | 5,985 |
| Equity capital to assets | 11.1132% | 2,651 |
| Core capital (leverage) ratio | 11.2735% | 2,224 |
| Tier 1 risk-based capital ratio | 17.8732% | 2,365 |
| Total risk-based capital ratio | 18.9658% | 2,398 |
| Memoranda: | ||
| Average total assets | $424,988,750 | 1,564 |
| Average earning assets | $387,766,250 | 1,566 |
| Average equity | $46,880,750 | 1,508 |
| Average total loans | $314,833,000 | 1,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,756 |
| Cost of funding earning assets | 0.7308% | 1,837 |
| Net interest margin | 3.3629% | 4,331 |
| Noninterest income to average assets | 0.6649% | 2,825 |
| Noninterest expense to average assets | 2.9986% | 3,004 |
| Loan and lease loss provision to assets | 0.1331% | 2,657 |
| Net operating income to assets | 0.4351% | 5,084 |
| Return on assets (ROA) | 0.4351% | 5,245 |
| Pretax return on assets | 0.5975% | 5,023 |
| Return on Equity (ROE) | 3.9544% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.9544% | 3,779 |
| Net charge-offs to loans | 0.0447% | 4,052 |
| Credit loss provision to net charge-offs | 402.8571% | 652 |
| Earnings coverage of net charge-offs (x) | 22.1143% | 1,385 |
| Efficiency ratio | 80.4100% | 2,099 |
| Assets per employee ($millions) | 4.3960% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,173 |
| Loan loss allowance to noncurrent loans | 51.3804% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 3,204 |
| Noncurrent loans to loans | 1.7259% | 2,727 |
| Net loans and leases to total assets | 73.4405% | 1,335 |
| Net loans and leases to deposits | 94.0239% | 811 |
| Net loans and leases to core deposits | 102.3723% | 923 |
| Total domestic deposits to total assets | 78.1083% | 5,960 |
| Equity capital to assets | 11.1604% | 2,598 |
| Core capital (leverage) ratio | 11.0799% | 2,284 |
| Tier 1 risk-based capital ratio | 17.9479% | 2,329 |
| Total risk-based capital ratio | 19.0439% | 2,362 |
| Memoranda: | ||
| Average total assets | $423,794,330 | 1,574 |
| Average earning assets | $386,156,330 | 1,572 |
| Average equity | $46,631,670 | 1,518 |
| Average total loans | $312,882,670 | 1,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,771 |
| Cost of funding earning assets | 0.7460% | 1,879 |
| Net interest margin | 3.3425% | 4,344 |
| Noninterest income to average assets | 0.5745% | 3,275 |
| Noninterest expense to average assets | 3.0338% | 2,883 |
| Loan and lease loss provision to assets | 0.1771% | 2,095 |
| Net operating income to assets | 0.3221% | 5,488 |
| Return on assets (ROA) | 0.3221% | 5,621 |
| Pretax return on assets | 0.4107% | 5,535 |
| Return on Equity (ROE) | 2.9484% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,513 |
| Net charge-offs to loans | -0.0051% | 5,272 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7711% | 1,801 |
| Assets per employee ($millions) | 4.6922% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 6,325 |
| Loan loss allowance to noncurrent loans | 57.3183% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 3,687 |
| Noncurrent loans to loans | 1.5185% | 3,271 |
| Net loans and leases to total assets | 73.4324% | 1,151 |
| Net loans and leases to deposits | 93.9354% | 669 |
| Net loans and leases to core deposits | 101.6913% | 842 |
| Total domestic deposits to total assets | 78.1733% | 6,092 |
| Equity capital to assets | 10.9227% | 3,050 |
| Core capital (leverage) ratio | 10.8686% | 2,380 |
| Tier 1 risk-based capital ratio | 17.5411% | 2,542 |
| Total risk-based capital ratio | 18.6174% | 2,581 |
| Memoranda: | ||
| Average total assets | $424,682,500 | 1,582 |
| Average earning assets | $387,138,000 | 1,579 |
| Average equity | $46,398,000 | 1,546 |
| Average total loans | $312,971,500 | 1,363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 4,359 |
| Cost of funding earning assets | 0.9411% | 1,699 |
| Net interest margin | 3.3197% | 5,184 |
| Noninterest income to average assets | 0.8100% | 2,219 |
| Noninterest expense to average assets | 3.0106% | 3,234 |
| Loan and lease loss provision to assets | 0.2149% | 2,986 |
| Net operating income to assets | 0.4431% | 4,913 |
| Return on assets (ROA) | 0.4467% | 5,144 |
| Pretax return on assets | 0.6030% | 4,987 |
| Return on Equity (ROE) | 4.1550% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.1550% | 3,301 |
| Net charge-offs to loans | 0.2383% | 3,509 |
| Credit loss provision to net charge-offs | 126.0504% | 2,241 |
| Earnings coverage of net charge-offs (x) | 4.7703% | 3,260 |
| Efficiency ratio | 78.7351% | 2,320 |
| Assets per employee ($millions) | 4.1409% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,433 |
| Loan loss allowance to noncurrent loans | 47.2684% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 3,508 |
| Noncurrent loans to loans | 1.7498% | 2,985 |
| Net loans and leases to total assets | 72.7032% | 1,388 |
| Net loans and leases to deposits | 94.9991% | 681 |
| Net loans and leases to core deposits | 104.0138% | 787 |
| Total domestic deposits to total assets | 76.5303% | 6,283 |
| Equity capital to assets | 10.9280% | 3,038 |
| Core capital (leverage) ratio | 10.9452% | 2,303 |
| Tier 1 risk-based capital ratio | 17.9399% | 2,276 |
| Total risk-based capital ratio | 18.9693% | 2,336 |
| Memoranda: | ||
| Average total assets | $418,891,200 | 1,567 |
| Average earning assets | $380,280,200 | 1,575 |
| Average equity | $45,030,600 | 1,543 |
| Average total loans | $299,673,000 | 1,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 4,466 |
| Cost of funding earning assets | 0.9806% | 1,675 |
| Net interest margin | 3.3157% | 5,332 |
| Noninterest income to average assets | 0.7438% | 2,513 |
| Noninterest expense to average assets | 3.0039% | 3,214 |
| Loan and lease loss provision to assets | 0.2408% | 2,644 |
| Net operating income to assets | 0.3907% | 5,285 |
| Return on assets (ROA) | 0.3907% | 5,499 |
| Pretax return on assets | 0.5091% | 5,440 |
| Return on Equity (ROE) | 3.6499% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.6499% | 4,320 |
| Net charge-offs to loans | 0.2961% | 2,954 |
| Credit loss provision to net charge-offs | 114.3939% | 2,548 |
| Earnings coverage of net charge-offs (x) | 3.5621% | 3,590 |
| Efficiency ratio | 80.0238% | 2,091 |
| Assets per employee ($millions) | 4.0901% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 6,585 |
| Loan loss allowance to noncurrent loans | 51.0647% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 3,971 |
| Noncurrent loans to loans | 1.5813% | 3,416 |
| Net loans and leases to total assets | 72.0242% | 1,553 |
| Net loans and leases to deposits | 94.4100% | 758 |
| Net loans and leases to core deposits | 101.1916% | 1,037 |
| Total domestic deposits to total assets | 76.2887% | 6,343 |
| Equity capital to assets | 10.8257% | 3,470 |
| Core capital (leverage) ratio | 10.8658% | 2,527 |
| Tier 1 risk-based capital ratio | 16.9859% | 2,734 |
| Total risk-based capital ratio | 17.9108% | 2,880 |
| Memoranda: | ||
| Average total assets | $418,020,250 | 1,586 |
| Average earning assets | $379,483,500 | 1,594 |
| Average equity | $44,749,000 | 1,575 |
| Average total loans | $297,181,000 | 1,425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 4,325 |
| Cost of funding earning assets | 1.0345% | 1,551 |
| Net interest margin | 3.3308% | 5,347 |
| Noninterest income to average assets | 0.6917% | 2,712 |
| Noninterest expense to average assets | 3.0633% | 3,040 |
| Loan and lease loss provision to assets | 0.2926% | 2,239 |
| Net operating income to assets | 0.3008% | 5,618 |
| Return on assets (ROA) | 0.3008% | 5,819 |
| Pretax return on assets | 0.3569% | 5,811 |
| Return on Equity (ROE) | 2.8203% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.8203% | 4,747 |
| Net charge-offs to loans | 0.1794% | 3,521 |
| Credit loss provision to net charge-offs | 231.0606% | 1,234 |
| Earnings coverage of net charge-offs (x) | 5.1288% | 2,900 |
| Efficiency ratio | 82.5065% | 1,817 |
| Assets per employee ($millions) | 4.2708% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 6,440 |
| Loan loss allowance to noncurrent loans | 50.7460% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2990% | 3,828 |
| Noncurrent loans to loans | 1.7808% | 3,248 |
| Net loans and leases to total assets | 71.2911% | 1,682 |
| Net loans and leases to deposits | 92.2806% | 917 |
| Net loans and leases to core deposits | 98.0021% | 1,275 |
| Total domestic deposits to total assets | 77.2546% | 6,289 |
| Equity capital to assets | 10.7323% | 3,415 |
| Core capital (leverage) ratio | 10.6865% | 2,614 |
| Tier 1 risk-based capital ratio | 17.2678% | 2,561 |
| Total risk-based capital ratio | 18.3474% | 2,587 |
| Memoranda: | ||
| Average total assets | $416,932,000 | 1,593 |
| Average earning assets | $378,170,330 | 1,596 |
| Average equity | $44,463,000 | 1,569 |
| Average total loans | $294,275,670 | 1,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 4,335 |
| Cost of funding earning assets | 1.0905% | 1,450 |
| Net interest margin | 3.3097% | 5,441 |
| Noninterest income to average assets | 0.6575% | 2,885 |
| Noninterest expense to average assets | 3.0337% | 3,140 |
| Loan and lease loss provision to assets | 0.4422% | 1,410 |
| Net operating income to assets | 0.1961% | 5,998 |
| Return on assets (ROA) | 0.1961% | 6,145 |
| Pretax return on assets | 0.1807% | 6,234 |
| Return on Equity (ROE) | 1.8447% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.8447% | 5,323 |
| Net charge-offs to loans | 0.2035% | 2,901 |
| Credit loss provision to net charge-offs | 310.8108% | 956 |
| Earnings coverage of net charge-offs (x) | 4.3784% | 2,583 |
| Efficiency ratio | 82.9653% | 1,807 |
| Assets per employee ($millions) | 4.3965% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,500 |
| Loan loss allowance to noncurrent loans | 47.6833% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3666% | 3,836 |
| Noncurrent loans to loans | 1.9192% | 3,264 |
| Net loans and leases to total assets | 69.6287% | 1,818 |
| Net loans and leases to deposits | 91.6548% | 822 |
| Net loans and leases to core deposits | 96.8983% | 1,210 |
| Total domestic deposits to total assets | 75.9684% | 6,546 |
| Equity capital to assets | 10.6240% | 3,356 |
| Core capital (leverage) ratio | 10.6966% | 2,549 |
| Tier 1 risk-based capital ratio | 17.6220% | 2,435 |
| Total risk-based capital ratio | 18.7188% | 2,457 |
| Memoranda: | ||
| Average total assets | $416,127,000 | 1,599 |
| Average earning assets | $377,078,500 | 1,607 |
| Average equity | $44,235,000 | 1,568 |
| Average total loans | $290,861,500 | 1,463 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 5,174 |
| Cost of funding earning assets | 1.2708% | 1,616 |
| Net interest margin | 3.2018% | 6,091 |
| Noninterest income to average assets | 0.6086% | 3,116 |
| Noninterest expense to average assets | 2.7671% | 4,486 |
| Loan and lease loss provision to assets | 0.0817% | 5,591 |
| Net operating income to assets | 0.4980% | 4,436 |
| Return on assets (ROA) | 0.4993% | 4,641 |
| Pretax return on assets | 0.6594% | 4,474 |
| Return on Equity (ROE) | 4.7219% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.7219% | 2,840 |
| Net charge-offs to loans | 0.1494% | 4,949 |
| Credit loss provision to net charge-offs | 80.0481% | 4,445 |
| Earnings coverage of net charge-offs (x) | 7.2476% | 2,367 |
| Efficiency ratio | 78.9146% | 2,471 |
| Assets per employee ($millions) | 4.5064% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 6,694 |
| Loan loss allowance to noncurrent loans | 46.6510% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2731% | 4,098 |
| Noncurrent loans to loans | 1.7664% | 3,511 |
| Net loans and leases to total assets | 68.9472% | 2,219 |
| Net loans and leases to deposits | 92.8367% | 897 |
| Net loans and leases to core deposits | 97.3172% | 1,389 |
| Total domestic deposits to total assets | 74.2672% | 6,689 |
| Equity capital to assets | 10.6364% | 3,383 |
| Core capital (leverage) ratio | 10.8050% | 2,432 |
| Tier 1 risk-based capital ratio | 17.8714% | 2,240 |
| Total risk-based capital ratio | 18.8585% | 2,311 |
| Memoranda: | ||
| Average total assets | $407,794,800 | 1,590 |
| Average earning assets | $369,071,400 | 1,602 |
| Average equity | $43,118,200 | 1,563 |
| Average total loans | $278,527,200 | 1,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 5,206 |
| Cost of funding earning assets | 1.3063% | 1,664 |
| Net interest margin | 3.2117% | 6,132 |
| Noninterest income to average assets | 0.5943% | 3,208 |
| Noninterest expense to average assets | 2.7507% | 4,531 |
| Loan and lease loss provision to assets | 0.0617% | 5,676 |
| Net operating income to assets | 0.5151% | 4,473 |
| Return on assets (ROA) | 0.5158% | 4,663 |
| Pretax return on assets | 0.6888% | 4,519 |
| Return on Equity (ROE) | 4.8856% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8856% | 3,251 |
| Net charge-offs to loans | 0.1502% | 4,565 |
| Credit loss provision to net charge-offs | 60.4502% | 4,801 |
| Earnings coverage of net charge-offs (x) | 7.3408% | 2,376 |
| Efficiency ratio | 78.5855% | 2,463 |
| Assets per employee ($millions) | 4.3742% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,733 |
| Loan loss allowance to noncurrent loans | 58.9498% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 4,779 |
| Noncurrent loans to loans | 1.4301% | 4,145 |
| Net loans and leases to total assets | 66.7947% | 2,715 |
| Net loans and leases to deposits | 88.8479% | 1,338 |
| Net loans and leases to core deposits | 93.2299% | 1,854 |
| Total domestic deposits to total assets | 75.1786% | 6,620 |
| Equity capital to assets | 10.6268% | 3,542 |
| Core capital (leverage) ratio | 10.6153% | 2,743 |
| Tier 1 risk-based capital ratio | 18.3057% | 2,150 |
| Total risk-based capital ratio | 19.3046% | 2,192 |
| Memoranda: | ||
| Average total assets | $406,096,750 | 1,604 |
| Average earning assets | $367,442,500 | 1,619 |
| Average equity | $42,873,500 | 1,576 |
| Average total loans | $276,103,750 | 1,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 5,205 |
| Cost of funding earning assets | 1.3227% | 1,808 |
| Net interest margin | 3.2194% | 6,103 |
| Noninterest income to average assets | 0.5885% | 3,203 |
| Noninterest expense to average assets | 2.7641% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5534% | 4,296 |
| Return on assets (ROA) | 0.5534% | 4,425 |
| Pretax return on assets | 0.7458% | 4,229 |
| Return on Equity (ROE) | 5.2536% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.2536% | 2,838 |
| Net charge-offs to loans | 0.1262% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,021 |
| Efficiency ratio | 78.7516% | 2,596 |
| Assets per employee ($millions) | 4.5393% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 6,832 |
| Loan loss allowance to noncurrent loans | 69.0865% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,209 |
| Noncurrent loans to loans | 1.1886% | 4,669 |
| Net loans and leases to total assets | 67.5204% | 2,709 |
| Net loans and leases to deposits | 90.1334% | 1,255 |
| Net loans and leases to core deposits | 94.7547% | 1,818 |
| Total domestic deposits to total assets | 74.9116% | 6,734 |
| Equity capital to assets | 10.5699% | 3,418 |
| Core capital (leverage) ratio | 10.5508% | 2,658 |
| Tier 1 risk-based capital ratio | 17.6980% | 2,266 |
| Total risk-based capital ratio | 18.6614% | 2,340 |
| Memoranda: | ||
| Average total assets | $404,403,000 | 1,625 |
| Average earning assets | $366,967,330 | 1,635 |
| Average equity | $42,599,670 | 1,567 |
| Average total loans | $275,811,670 | 1,573 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 5,185 |
| Cost of funding earning assets | 1.3290% | 2,017 |
| Net interest margin | 3.2175% | 6,020 |
| Noninterest income to average assets | 0.6373% | 2,918 |
| Noninterest expense to average assets | 2.8076% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5766% | 4,151 |
| Return on assets (ROA) | 0.5766% | 4,228 |
| Pretax return on assets | 0.7566% | 4,072 |
| Return on Equity (ROE) | 5.4835% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,917 |
| Net charge-offs to loans | 0.0408% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 27.1786% | 906 |
| Efficiency ratio | 78.7727% | 2,724 |
| Assets per employee ($millions) | 4.4872% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,748 |
| Loan loss allowance to noncurrent loans | 89.5319% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 5,613 |
| Noncurrent loans to loans | 0.9826% | 5,077 |
| Net loans and leases to total assets | 67.7702% | 2,599 |
| Net loans and leases to deposits | 90.9682% | 1,126 |
| Net loans and leases to core deposits | 96.0571% | 1,670 |
| Total domestic deposits to total assets | 74.4988% | 6,859 |
| Equity capital to assets | 10.5598% | 3,118 |
| Core capital (leverage) ratio | 10.6421% | 2,480 |
| Tier 1 risk-based capital ratio | 17.5972% | 2,247 |
| Total risk-based capital ratio | 18.6292% | 2,314 |
| Memoranda: | ||
| Average total assets | $402,335,000 | 1,641 |
| Average earning assets | $365,999,000 | 1,647 |
| Average equity | $42,308,500 | 1,569 |
| Average total loans | $274,652,000 | 1,596 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 5,145 |
| Cost of funding earning assets | 1.6027% | 2,056 |
| Net interest margin | 3.2708% | 6,066 |
| Noninterest income to average assets | 0.7090% | 2,792 |
| Noninterest expense to average assets | 2.7584% | 4,746 |
| Loan and lease loss provision to assets | 0.1535% | 5,671 |
| Net operating income to assets | 0.5653% | 3,823 |
| Return on assets (ROA) | 0.5674% | 3,971 |
| Pretax return on assets | 0.7615% | 3,755 |
| Return on Equity (ROE) | 5.4740% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.4740% | 2,130 |
| Net charge-offs to loans | 0.0916% | 5,930 |
| Credit loss provision to net charge-offs | 237.2549% | 1,229 |
| Earnings coverage of net charge-offs (x) | 14.0980% | 1,369 |
| Efficiency ratio | 75.1469% | 3,175 |
| Assets per employee ($millions) | 4.4536% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,727 |
| Loan loss allowance to noncurrent loans | 101.9494% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 5,818 |
| Noncurrent loans to loans | 0.8825% | 5,297 |
| Net loans and leases to total assets | 67.5433% | 3,093 |
| Net loans and leases to deposits | 91.0982% | 1,383 |
| Net loans and leases to core deposits | 96.1932% | 1,988 |
| Total domestic deposits to total assets | 74.1434% | 6,873 |
| Equity capital to assets | 10.4714% | 3,183 |
| Core capital (leverage) ratio | 10.3883% | 2,683 |
| Tier 1 risk-based capital ratio | 17.9173% | 2,028 |
| Total risk-based capital ratio | 18.9909% | 2,045 |
| Memoranda: | ||
| Average total assets | $394,067,000 | 1,671 |
| Average earning assets | $356,826,400 | 1,680 |
| Average equity | $40,848,000 | 1,622 |
| Average total loans | $278,391,200 | 1,605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 5,133 |
| Cost of funding earning assets | 1.6427% | 2,144 |
| Net interest margin | 3.2873% | 6,061 |
| Noninterest income to average assets | 0.6562% | 3,090 |
| Noninterest expense to average assets | 2.7395% | 4,724 |
| Loan and lease loss provision to assets | 0.1172% | 5,858 |
| Net operating income to assets | 0.5730% | 3,991 |
| Return on assets (ROA) | 0.5773% | 4,130 |
| Pretax return on assets | 0.7795% | 3,982 |
| Return on Equity (ROE) | 5.5840% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.5840% | 2,600 |
| Net charge-offs to loans | 0.1278% | 5,273 |
| Credit loss provision to net charge-offs | 128.7313% | 3,155 |
| Earnings coverage of net charge-offs (x) | 9.7837% | 1,964 |
| Efficiency ratio | 75.4586% | 3,048 |
| Assets per employee ($millions) | 4.3727% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 7,041 |
| Loan loss allowance to noncurrent loans | 133.7209% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 6,316 |
| Noncurrent loans to loans | 0.5844% | 6,046 |
| Net loans and leases to total assets | 68.9601% | 2,999 |
| Net loans and leases to deposits | 93.0801% | 1,322 |
| Net loans and leases to core deposits | 98.4824% | 1,998 |
| Total domestic deposits to total assets | 74.0868% | 6,912 |
| Equity capital to assets | 10.3374% | 3,722 |
| Core capital (leverage) ratio | 10.3052% | 2,909 |
| Tier 1 risk-based capital ratio | 17.5341% | 2,166 |
| Total risk-based capital ratio | 18.4787% | 2,227 |
| Memoranda: | ||
| Average total assets | $392,377,250 | 1,704 |
| Average earning assets | $355,019,000 | 1,707 |
| Average equity | $40,567,000 | 1,641 |
| Average total loans | $279,691,750 | 1,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 5,092 |
| Cost of funding earning assets | 1.6861% | 2,189 |
| Net interest margin | 3.2823% | 6,073 |
| Noninterest income to average assets | 0.5773% | 3,498 |
| Noninterest expense to average assets | 2.7743% | 4,596 |
| Loan and lease loss provision to assets | 0.1182% | 5,715 |
| Net operating income to assets | 0.5011% | 4,326 |
| Return on assets (ROA) | 0.5079% | 4,437 |
| Pretax return on assets | 0.6595% | 4,367 |
| Return on Equity (ROE) | 4.9121% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.9121% | 2,954 |
| Net charge-offs to loans | 0.1001% | 5,146 |
| Credit loss provision to net charge-offs | 164.2857% | 2,400 |
| Earnings coverage of net charge-offs (x) | 10.6857% | 1,856 |
| Efficiency ratio | 78.2968% | 2,678 |
| Assets per employee ($millions) | 4.3816% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 7,078 |
| Loan loss allowance to noncurrent loans | 131.3023% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 6,255 |
| Noncurrent loans to loans | 0.5942% | 6,058 |
| Net loans and leases to total assets | 70.8866% | 2,692 |
| Net loans and leases to deposits | 94.7455% | 1,183 |
| Net loans and leases to core deposits | 100.6379% | 1,953 |
| Total domestic deposits to total assets | 74.8179% | 6,874 |
| Equity capital to assets | 10.3485% | 3,586 |
| Core capital (leverage) ratio | 10.2904% | 2,839 |
| Tier 1 risk-based capital ratio | 17.6611% | 2,053 |
| Total risk-based capital ratio | 18.6300% | 2,100 |
| Memoranda: | ||
| Average total assets | $389,074,330 | 1,733 |
| Average earning assets | $351,583,670 | 1,739 |
| Average equity | $40,227,330 | 1,652 |
| Average total loans | $279,721,670 | 1,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 5,162 |
| Cost of funding earning assets | 1.7365% | 2,202 |
| Net interest margin | 3.2315% | 6,189 |
| Noninterest income to average assets | 0.5093% | 3,979 |
| Noninterest expense to average assets | 2.7534% | 4,680 |
| Loan and lease loss provision to assets | 0.1035% | 5,589 |
| Net operating income to assets | 0.4623% | 4,565 |
| Return on assets (ROA) | 0.4648% | 4,687 |
| Pretax return on assets | 0.5797% | 4,685 |
| Return on Equity (ROE) | 4.4971% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.4971% | 3,463 |
| Net charge-offs to loans | 0.1206% | 4,251 |
| Credit loss provision to net charge-offs | 119.0476% | 2,927 |
| Earnings coverage of net charge-offs (x) | 7.8214% | 2,035 |
| Efficiency ratio | 80.1929% | 2,543 |
| Assets per employee ($millions) | 4.4224% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 7,223 |
| Loan loss allowance to noncurrent loans | 78.0882% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 5,676 |
| Noncurrent loans to loans | 0.9715% | 5,391 |
| Net loans and leases to total assets | 70.5942% | 2,784 |
| Net loans and leases to deposits | 94.4863% | 1,296 |
| Net loans and leases to core deposits | 100.5373% | 2,077 |
| Total domestic deposits to total assets | 74.7137% | 6,947 |
| Equity capital to assets | 10.2065% | 3,598 |
| Core capital (leverage) ratio | 10.4870% | 2,633 |
| Tier 1 risk-based capital ratio | 17.5417% | 2,065 |
| Total risk-based capital ratio | 18.4943% | 2,132 |
| Memoranda: | ||
| Average total assets | $386,438,000 | 1,786 |
| Average earning assets | $349,678,500 | 1,785 |
| Average equity | $39,936,500 | 1,681 |
| Average total loans | $278,714,000 | 1,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 5,364 |
| Cost of funding earning assets | 2.0443% | 2,748 |
| Net interest margin | 3.2161% | 6,035 |
| Noninterest income to average assets | 0.7360% | 2,759 |
| Noninterest expense to average assets | 2.8409% | 4,784 |
| Loan and lease loss provision to assets | 0.1111% | 6,534 |
| Net operating income to assets | 0.5403% | 3,570 |
| Return on assets (ROA) | 0.5609% | 3,562 |
| Pretax return on assets | 0.7056% | 3,551 |
| Return on Equity (ROE) | 5.3421% | 3,508 |
| Retained earnings to average equity (ytd only) | 5.3421% | 1,655 |
| Net charge-offs to loans | 0.0775% | 6,339 |
| Credit loss provision to net charge-offs | 189.8148% | 2,112 |
| Earnings coverage of net charge-offs (x) | 13.5046% | 1,426 |
| Efficiency ratio | 78.2265% | 3,155 |
| Assets per employee ($millions) | 4.3100% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 7,233 |
| Loan loss allowance to noncurrent loans | 69.6629% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 5,383 |
| Noncurrent loans to loans | 1.0906% | 5,141 |
| Net loans and leases to total assets | 72.5954% | 2,604 |
| Net loans and leases to deposits | 96.8917% | 1,222 |
| Net loans and leases to core deposits | 121.2506% | 1,858 |
| Total domestic deposits to total assets | 74.9243% | 6,875 |
| Equity capital to assets | 10.4674% | 3,221 |
| Core capital (leverage) ratio | 10.6078% | 2,496 |
| Tier 1 risk-based capital ratio | 17.2724% | 2,085 |
| Total risk-based capital ratio | 18.2081% | 2,130 |
| Memoranda: | ||
| Average total assets | $368,898,200 | 1,845 |
| Average earning assets | $332,143,600 | 1,870 |
| Average equity | $38,729,800 | 1,729 |
| Average total loans | $278,832,400 | 1,728 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 5,373 |
| Cost of funding earning assets | 2.1020% | 2,884 |
| Net interest margin | 3.2077% | 5,991 |
| Noninterest income to average assets | 0.7331% | 2,809 |
| Noninterest expense to average assets | 2.8438% | 4,703 |
| Loan and lease loss provision to assets | 0.0855% | 6,509 |
| Net operating income to assets | 0.5286% | 3,865 |
| Return on assets (ROA) | 0.5544% | 3,860 |
| Pretax return on assets | 0.7265% | 3,769 |
| Return on Equity (ROE) | 5.2761% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.2761% | 2,328 |
| Net charge-offs to loans | 0.0950% | 5,726 |
| Credit loss provision to net charge-offs | 118.0905% | 4,303 |
| Earnings coverage of net charge-offs (x) | 10.7436% | 1,929 |
| Efficiency ratio | 78.5147% | 3,080 |
| Assets per employee ($millions) | 4.0628% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 7,338 |
| Loan loss allowance to noncurrent loans | 71.4809% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 5,500 |
| Noncurrent loans to loans | 0.9978% | 5,307 |
| Net loans and leases to total assets | 73.4241% | 2,682 |
| Net loans and leases to deposits | 100.7770% | 1,037 |
| Net loans and leases to core deposits | 124.0561% | 1,892 |
| Total domestic deposits to total assets | 72.8580% | 7,100 |
| Equity capital to assets | 10.6080% | 3,392 |
| Core capital (leverage) ratio | 10.6136% | 2,698 |
| Tier 1 risk-based capital ratio | 17.1939% | 2,219 |
| Total risk-based capital ratio | 18.0717% | 2,281 |
| Memoranda: | ||
| Average total assets | $366,302,000 | 1,870 |
| Average earning assets | $329,903,500 | 1,900 |
| Average equity | $38,487,000 | 1,767 |
| Average total loans | $279,178,000 | 1,746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 5,238 |
| Cost of funding earning assets | 2.1617% | 2,976 |
| Net interest margin | 3.2194% | 5,841 |
| Noninterest income to average assets | 0.6786% | 3,126 |
| Noninterest expense to average assets | 2.8727% | 4,616 |
| Loan and lease loss provision to assets | 0.0822% | 6,360 |
| Net operating income to assets | 0.4992% | 4,094 |
| Return on assets (ROA) | 0.5066% | 4,185 |
| Pretax return on assets | 0.6304% | 4,231 |
| Return on Equity (ROE) | 4.8375% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.8375% | 2,603 |
| Net charge-offs to loans | 0.1025% | 5,137 |
| Credit loss provision to net charge-offs | 104.1667% | 4,410 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,199 |
| Efficiency ratio | 80.3339% | 2,989 |
| Assets per employee ($millions) | 4.0872% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 7,426 |
| Loan loss allowance to noncurrent loans | 98.8163% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,851 |
| Noncurrent loans to loans | 0.7080% | 5,827 |
| Net loans and leases to total assets | 74.9129% | 2,463 |
| Net loans and leases to deposits | 101.4387% | 1,121 |
| Net loans and leases to core deposits | 124.3476% | 1,995 |
| Total domestic deposits to total assets | 73.8504% | 6,971 |
| Equity capital to assets | 10.6004% | 3,296 |
| Core capital (leverage) ratio | 10.5934% | 2,735 |
| Tier 1 risk-based capital ratio | 16.9194% | 2,329 |
| Total risk-based capital ratio | 17.7714% | 2,383 |
| Memoranda: | ||
| Average total assets | $365,165,670 | 1,899 |
| Average earning assets | $328,630,000 | 1,924 |
| Average equity | $38,243,000 | 1,787 |
| Average total loans | $281,101,670 | 1,764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4502% | 5,176 |
| Cost of funding earning assets | 2.2654% | 2,862 |
| Net interest margin | 3.1849% | 5,904 |
| Noninterest income to average assets | 0.5980% | 3,563 |
| Noninterest expense to average assets | 2.7846% | 4,621 |
| Loan and lease loss provision to assets | 0.0601% | 6,203 |
| Net operating income to assets | 0.4979% | 4,428 |
| Return on assets (ROA) | 0.5084% | 4,566 |
| Pretax return on assets | 0.6330% | 4,646 |
| Return on Equity (ROE) | 4.8839% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.8839% | 3,199 |
| Net charge-offs to loans | 0.0253% | 5,191 |
| Credit loss provision to net charge-offs | 305.5556% | 1,590 |
| Earnings coverage of net charge-offs (x) | 34.5556% | 956 |
| Efficiency ratio | 80.3724% | 2,763 |
| Assets per employee ($millions) | 4.1037% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 7,454 |
| Loan loss allowance to noncurrent loans | 148.0273% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 6,137 |
| Noncurrent loans to loans | 0.4684% | 6,243 |
| Net loans and leases to total assets | 76.5171% | 2,156 |
| Net loans and leases to deposits | 103.3040% | 1,067 |
| Net loans and leases to core deposits | 127.8172% | 1,798 |
| Total domestic deposits to total assets | 74.0699% | 6,879 |
| Equity capital to assets | 10.4888% | 3,473 |
| Core capital (leverage) ratio | 10.3735% | 3,048 |
| Tier 1 risk-based capital ratio | 16.4173% | 2,545 |
| Total risk-based capital ratio | 17.2641% | 2,622 |
| Memoranda: | ||
| Average total assets | $365,868,000 | 1,905 |
| Average earning assets | $329,307,500 | 1,923 |
| Average equity | $38,084,500 | 1,790 |
| Average total loans | $284,440,500 | 1,745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 6,777 |
| Cost of funding earning assets | 2.6065% | 3,657 |
| Net interest margin | 3.0940% | 6,666 |
| Noninterest income to average assets | 0.6661% | 3,366 |
| Noninterest expense to average assets | 2.6388% | 5,497 |
| Loan and lease loss provision to assets | 0.1780% | 5,114 |
| Net operating income to assets | 0.6024% | 4,289 |
| Return on assets (ROA) | 0.3911% | 5,000 |
| Pretax return on assets | 0.4160% | 5,214 |
| Return on Equity (ROE) | 3.7360% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.7360% | 2,808 |
| Net charge-offs to loans | 0.0539% | 6,017 |
| Credit loss provision to net charge-offs | 431.9728% | 1,010 |
| Earnings coverage of net charge-offs (x) | 19.8707% | 1,604 |
| Efficiency ratio | 76.3175% | 3,185 |
| Assets per employee ($millions) | 4.1649% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 7,516 |
| Loan loss allowance to noncurrent loans | 179.8872% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,347 |
| Noncurrent loans to loans | 0.3701% | 6,250 |
| Net loans and leases to total assets | 77.9121% | 2,168 |
| Net loans and leases to deposits | 107.0573% | 1,039 |
| Net loans and leases to core deposits | 132.3719% | 1,699 |
| Total domestic deposits to total assets | 72.7760% | 6,868 |
| Equity capital to assets | 10.3302% | 3,683 |
| Core capital (leverage) ratio | 10.2644% | 3,201 |
| Tier 1 risk-based capital ratio | 15.9982% | 2,664 |
| Total risk-based capital ratio | 16.8319% | 2,745 |
| Memoranda: | ||
| Average total assets | $356,718,000 | 1,878 |
| Average earning assets | $321,851,400 | 1,892 |
| Average equity | $37,339,200 | 1,813 |
| Average total loans | $272,576,200 | 1,755 |