Home > Security Federal Savings Bank > Performance and Condition Ratios
Security Federal Savings 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 | 4.8782% | 2,326 |
| Cost of funding earning assets | 1.3489% | 2,364 |
| Net interest margin | 3.5293% | 2,122 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 3.2943% | 743 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6008% | 3,441 |
| Return on assets (ROA) | 0.6092% | 3,407 |
| Pretax return on assets | 0.7327% | 3,372 |
| Return on Equity (ROE) | 6.5200% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.5200% | 2,052 |
| Net charge-offs to loans | 0.0209% | 1,923 |
| Credit loss provision to net charge-offs | -239.6552% | 4,509 |
| Earnings coverage of net charge-offs (x) | 48.8621% | 1,306 |
| Efficiency ratio | 81.2355% | 832 |
| Assets per employee ($millions) | 5.0208% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,507 |
| Loan loss allowance to noncurrent loans | 277.5531% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 1,921 |
| Noncurrent loans to loans | 0.3447% | 1,948 |
| Net loans and leases to total assets | 74.4700% | 1,296 |
| Net loans and leases to deposits | 88.0531% | 1,429 |
| Net loans and leases to core deposits | 91.7568% | 1,922 |
| Total domestic deposits to total assets | 84.5800% | 2,442 |
| Equity capital to assets | 9.4559% | 2,379 |
| Core capital (leverage) ratio | 10.6922% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6262% | 1,153 |
| Memoranda: | ||
| Average total assets | $372,433,400 | 2,108 |
| Average earning assets | $343,324,800 | 2,117 |
| Average equity | $34,800,800 | 2,062 |
| Average total loans | $277,927,000 | 1,884 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,239 |
| Cost of funding earning assets | 1.2202% | 2,369 |
| Net interest margin | 3.5880% | 2,034 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 3.3222% | 702 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6471% | 3,434 |
| Return on assets (ROA) | 0.6531% | 3,414 |
| Pretax return on assets | 0.7863% | 3,367 |
| Return on Equity (ROE) | 7.0100% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.0106% | 2,283 |
| Net charge-offs to loans | -0.0063% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.6559% | 825 |
| Assets per employee ($millions) | 5.0156% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,431 |
| Loan loss allowance to noncurrent loans | 295.5961% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,760 |
| Noncurrent loans to loans | 0.3339% | 2,033 |
| Net loans and leases to total assets | 73.3900% | 1,420 |
| Net loans and leases to deposits | 86.4784% | 1,512 |
| Net loans and leases to core deposits | 89.8282% | 1,936 |
| Total domestic deposits to total assets | 84.8700% | 2,540 |
| Equity capital to assets | 9.1369% | 2,337 |
| Core capital (leverage) ratio | 10.5804% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8240% | 1,134 |
| Memoranda: | ||
| Average total assets | $370,146,000 | 2,122 |
| Average earning assets | $341,466,500 | 2,129 |
| Average equity | $34,480,500 | 2,064 |
| Average total loans | $275,677,500 | 1,894 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 2,238 |
| Cost of funding earning assets | 1.0831% | 2,345 |
| Net interest margin | 3.6042% | 2,029 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 3.3544% | 642 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6342% | 3,498 |
| Return on assets (ROA) | 0.6433% | 3,488 |
| Pretax return on assets | 0.7639% | 3,476 |
| Return on Equity (ROE) | 6.8700% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.8667% | 2,330 |
| Net charge-offs to loans | 0.0036% | 2,178 |
| Credit loss provision to net charge-offs | 560.0000% | 601 |
| Earnings coverage of net charge-offs (x) | 282.8000% | 475 |
| Efficiency ratio | 81.3653% | 755 |
| Assets per employee ($millions) | 5.1371% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,030 |
| Loan loss allowance to noncurrent loans | 244.1152% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 1,642 |
| Noncurrent loans to loans | 0.4433% | 1,613 |
| Net loans and leases to total assets | 71.3100% | 1,605 |
| Net loans and leases to deposits | 83.7414% | 1,695 |
| Net loans and leases to core deposits | 86.4580% | 2,038 |
| Total domestic deposits to total assets | 85.1600% | 2,496 |
| Equity capital to assets | 9.1178% | 2,431 |
| Core capital (leverage) ratio | 10.7367% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6195% | 1,187 |
| Memoranda: | ||
| Average total assets | $368,114,000 | 2,133 |
| Average earning assets | $339,772,667 | 2,142 |
| Average equity | $34,485,333 | 2,076 |
| Average total loans | $274,627,000 | 1,891 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 2,012 |
| Cost of funding earning assets | 0.9184% | 2,316 |
| Net interest margin | 3.7107% | 1,879 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.4145% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7316% | 3,393 |
| Return on assets (ROA) | 0.7401% | 3,328 |
| Pretax return on assets | 0.8650% | 3,319 |
| Return on Equity (ROE) | 7.7900% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.7913% | 2,283 |
| Net charge-offs to loans | 0.0029% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 285 |
| Efficiency ratio | 79.9741% | 836 |
| Assets per employee ($millions) | 4.7544% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,643 |
| Loan loss allowance to noncurrent loans | 215.8065% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 1,504 |
| Noncurrent loans to loans | 0.4483% | 1,600 |
| Net loans and leases to total assets | 74.8200% | 1,097 |
| Net loans and leases to deposits | 85.8187% | 1,367 |
| Net loans and leases to core deposits | 87.9427% | 1,748 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 9.4909% | 2,151 |
| Core capital (leverage) ratio | 10.8001% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3228% | 1,307 |
| Memoranda: | ||
| Average total assets | $362,097,500 | 2,190 |
| Average earning assets | $334,064,000 | 2,195 |
| Average equity | $34,397,500 | 2,099 |
| Average total loans | $274,909,500 | 1,905 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0115% | 1,685 |
| Cost of funding earning assets | 0.4992% | 1,398 |
| Net interest margin | 3.5123% | 1,891 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.4761% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4554% | 4,159 |
| Return on assets (ROA) | 0.4401% | 4,150 |
| Pretax return on assets | 0.4981% | 4,171 |
| Return on Equity (ROE) | 4.5400% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.5415% | 3,221 |
| Net charge-offs to loans | 0.0213% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.9091% | 1,614 |
| Efficiency ratio | 87.0845% | 386 |
| Assets per employee ($millions) | 4.7747% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,471 |
| Loan loss allowance to noncurrent loans | 264.6245% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 1,734 |
| Noncurrent loans to loans | 0.3704% | 1,815 |
| Net loans and leases to total assets | 75.5500% | 1,055 |
| Net loans and leases to deposits | 86.5546% | 1,271 |
| Net loans and leases to core deposits | 88.3838% | 1,589 |
| Total domestic deposits to total assets | 87.2800% | 2,297 |
| Equity capital to assets | 9.5084% | 2,002 |
| Core capital (leverage) ratio | 10.5739% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2769% | 1,297 |
| Memoranda: | ||
| Average total assets | $361,758,400 | 2,171 |
| Average earning assets | $334,965,200 | 2,177 |
| Average equity | $35,054,800 | 2,109 |
| Average total loans | $258,409,200 | 1,899 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 1,642 |
| Cost of funding earning assets | 0.4352% | 1,069 |
| Net interest margin | 3.4031% | 1,969 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 3.4624% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4059% | 4,233 |
| Return on assets (ROA) | 0.4029% | 4,185 |
| Pretax return on assets | 0.4478% | 4,212 |
| Return on Equity (ROE) | 4.1400% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1389% | 3,397 |
| Net charge-offs to loans | 0.0251% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 25.5625% | 1,601 |
| Efficiency ratio | 88.4735% | 370 |
| Assets per employee ($millions) | 4.7382% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,402 |
| Loan loss allowance to noncurrent loans | 315.8824% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 2,080 |
| Noncurrent loans to loans | 0.3212% | 2,088 |
| Net loans and leases to total assets | 70.8700% | 1,405 |
| Net loans and leases to deposits | 80.7133% | 1,543 |
| Net loans and leases to core deposits | 82.2016% | 1,751 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 8.9626% | 2,240 |
| Core capital (leverage) ratio | 10.4694% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4272% | 1,310 |
| Memoranda: | ||
| Average total assets | $362,671,500 | 2,182 |
| Average earning assets | $336,072,750 | 2,184 |
| Average equity | $35,306,000 | 2,129 |
| Average total loans | $254,706,750 | 1,920 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 1,560 |
| Cost of funding earning assets | 0.3479% | 1,284 |
| Net interest margin | 3.3430% | 1,783 |
| Noninterest income to average assets | 0.7903% | 1,070 |
| Noninterest expense to average assets | 3.4692% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3868% | 4,133 |
| Return on assets (ROA) | 0.3807% | 4,096 |
| Pretax return on assets | 0.4179% | 4,132 |
| Return on Equity (ROE) | 3.8076% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.8076% | 3,153 |
| Net charge-offs to loans | -0.0024% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0964% | 450 |
| Assets per employee ($millions) | 4.2851% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,333 |
| Loan loss allowance to noncurrent loans | 329.6386% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,181 |
| Noncurrent loans to loans | 0.3210% | 2,194 |
| Net loans and leases to total assets | 70.2302% | 1,282 |
| Net loans and leases to deposits | 79.9871% | 1,388 |
| Net loans and leases to core deposits | 81.2621% | 1,641 |
| Total domestic deposits to total assets | 87.8020% | 2,656 |
| Equity capital to assets | 9.2326% | 2,210 |
| Core capital (leverage) ratio | 10.6170% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4341% | 1,320 |
| Memoranda: | ||
| Average total assets | $360,368,667 | 2,198 |
| Average earning assets | $334,551,667 | 2,206 |
| Average equity | $36,033,333 | 2,155 |
| Average total loans | $251,408,000 | 1,936 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 1,489 |
| Cost of funding earning assets | 0.3218% | 1,445 |
| Net interest margin | 3.2862% | 1,598 |
| Noninterest income to average assets | 0.7968% | 1,054 |
| Noninterest expense to average assets | 3.4304% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3825% | 3,996 |
| Return on assets (ROA) | 0.3794% | 3,966 |
| Pretax return on assets | 0.4174% | 4,006 |
| Return on Equity (ROE) | 3.6524% | 3,957 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,053 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0756% | 589 |
| Assets per employee ($millions) | 4.2718% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,271 |
| Loan loss allowance to noncurrent loans | 421.6049% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,553 |
| Noncurrent loans to loans | 0.2642% | 2,528 |
| Net loans and leases to total assets | 66.7954% | 1,330 |
| Net loans and leases to deposits | 78.0003% | 1,288 |
| Net loans and leases to core deposits | 79.8043% | 1,497 |
| Total domestic deposits to total assets | 85.6348% | 3,363 |
| Equity capital to assets | 9.9733% | 1,907 |
| Core capital (leverage) ratio | 10.5154% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1041% | 1,231 |
| Memoranda: | ||
| Average total assets | $358,437,000 | 2,213 |
| Average earning assets | $333,146,000 | 2,219 |
| Average equity | $37,236,000 | 2,164 |
| Average total loans | $247,843,500 | 1,950 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 1,552 |
| Cost of funding earning assets | 0.3555% | 1,889 |
| Net interest margin | 3.5668% | 1,558 |
| Noninterest income to average assets | 0.9149% | 1,165 |
| Noninterest expense to average assets | 3.3847% | 562 |
| Loan and lease loss provision to assets | 0.0146% | 2,792 |
| Net operating income to assets | 0.6747% | 3,685 |
| Return on assets (ROA) | 0.6810% | 3,722 |
| Pretax return on assets | 0.8274% | 3,671 |
| Return on Equity (ROE) | 6.2490% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.2490% | 2,251 |
| Net charge-offs to loans | -0.0092% | 3,712 |
| Credit loss provision to net charge-offs | -217.3913% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2234% | 791 |
| Assets per employee ($millions) | 4.2116% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,390 |
| Loan loss allowance to noncurrent loans | 461.6554% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,675 |
| Noncurrent loans to loans | 0.2364% | 2,784 |
| Net loans and leases to total assets | 70.0131% | 1,044 |
| Net loans and leases to deposits | 82.6994% | 1,002 |
| Net loans and leases to core deposits | 84.5291% | 1,295 |
| Total domestic deposits to total assets | 84.6597% | 3,374 |
| Equity capital to assets | 10.8145% | 1,929 |
| Core capital (leverage) ratio | 10.4484% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7938% | 1,313 |
| Memoranda: | ||
| Average total assets | $341,569,200 | 2,237 |
| Average earning assets | $316,416,200 | 2,249 |
| Average equity | $37,221,800 | 2,188 |
| Average total loans | $248,666,800 | 1,939 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 1,696 |
| Cost of funding earning assets | 0.3549% | 2,065 |
| Net interest margin | 3.5698% | 1,674 |
| Noninterest income to average assets | 0.9595% | 1,135 |
| Noninterest expense to average assets | 3.3916% | 541 |
| Loan and lease loss provision to assets | 0.0198% | 2,606 |
| Net operating income to assets | 0.6976% | 3,771 |
| Return on assets (ROA) | 0.7034% | 3,828 |
| Pretax return on assets | 0.8590% | 3,775 |
| Return on Equity (ROE) | 6.4424% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.4424% | 2,634 |
| Net charge-offs to loans | 0.0086% | 1,999 |
| Credit loss provision to net charge-offs | 312.5000% | 982 |
| Earnings coverage of net charge-offs (x) | 138.3125% | 710 |
| Efficiency ratio | 79.5547% | 773 |
| Assets per employee ($millions) | 4.3770% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,595 |
| Loan loss allowance to noncurrent loans | 420.9375% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,814 |
| Noncurrent loans to loans | 0.2534% | 2,918 |
| Net loans and leases to total assets | 71.3462% | 942 |
| Net loans and leases to deposits | 84.9719% | 888 |
| Net loans and leases to core deposits | 86.7336% | 1,237 |
| Total domestic deposits to total assets | 83.9644% | 3,463 |
| Equity capital to assets | 10.8268% | 2,146 |
| Core capital (leverage) ratio | 10.6703% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2114% | 1,308 |
| Memoranda: | ||
| Average total assets | $338,518,000 | 2,272 |
| Average earning assets | $313,290,250 | 2,283 |
| Average equity | $36,962,500 | 2,233 |
| Average total loans | $248,228,250 | 1,967 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 1,744 |
| Cost of funding earning assets | 0.3624% | 2,203 |
| Net interest margin | 3.5681% | 1,665 |
| Noninterest income to average assets | 0.9737% | 1,113 |
| Noninterest expense to average assets | 3.4387% | 510 |
| Loan and lease loss provision to assets | 0.0299% | 2,379 |
| Net operating income to assets | 0.6591% | 3,856 |
| Return on assets (ROA) | 0.6665% | 3,905 |
| Pretax return on assets | 0.8099% | 3,847 |
| Return on Equity (ROE) | 6.0852% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.0852% | 2,766 |
| Net charge-offs to loans | -0.0195% | 3,984 |
| Credit loss provision to net charge-offs | -208.3333% | 3,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5404% | 753 |
| Assets per employee ($millions) | 4.3679% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,467 |
| Loan loss allowance to noncurrent loans | 767.9775% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,528 |
| Noncurrent loans to loans | 0.1417% | 3,489 |
| Net loans and leases to total assets | 72.9592% | 857 |
| Net loans and leases to deposits | 87.1407% | 840 |
| Net loans and leases to core deposits | 88.7473% | 1,222 |
| Total domestic deposits to total assets | 83.7258% | 3,519 |
| Equity capital to assets | 10.9521% | 2,017 |
| Core capital (leverage) ratio | 10.7045% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8848% | 1,367 |
| Memoranda: | ||
| Average total assets | $334,599,333 | 2,281 |
| Average earning assets | $309,074,667 | 2,292 |
| Average equity | $36,646,333 | 2,243 |
| Average total loans | $246,759,667 | 1,986 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 1,605 |
| Cost of funding earning assets | 0.3723% | 2,334 |
| Net interest margin | 3.6300% | 1,503 |
| Noninterest income to average assets | 0.9567% | 1,208 |
| Noninterest expense to average assets | 3.3587% | 553 |
| Loan and lease loss provision to assets | 0.0603% | 1,914 |
| Net operating income to assets | 0.7225% | 3,657 |
| Return on assets (ROA) | 0.7323% | 3,696 |
| Pretax return on assets | 0.9024% | 3,591 |
| Return on Equity (ROE) | 6.6863% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.6863% | 2,669 |
| Net charge-offs to loans | -0.0082% | 3,592 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9395% | 957 |
| Assets per employee ($millions) | 4.2613% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,429 |
| Loan loss allowance to noncurrent loans | 348.5237% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,935 |
| Noncurrent loans to loans | 0.3157% | 2,970 |
| Net loans and leases to total assets | 71.5833% | 1,085 |
| Net loans and leases to deposits | 85.2551% | 1,019 |
| Net loans and leases to core deposits | 87.2894% | 1,432 |
| Total domestic deposits to total assets | 83.9637% | 3,450 |
| Equity capital to assets | 10.6910% | 2,094 |
| Core capital (leverage) ratio | 10.8488% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7720% | 1,363 |
| Memoranda: | ||
| Average total assets | $331,552,500 | 2,275 |
| Average earning assets | $306,228,500 | 2,297 |
| Average equity | $36,313,000 | 2,244 |
| Average total loans | $244,489,000 | 1,997 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,354 |
| Cost of funding earning assets | 0.6279% | 2,133 |
| Net interest margin | 3.4960% | 2,491 |
| Noninterest income to average assets | 1.2042% | 771 |
| Noninterest expense to average assets | 3.3256% | 877 |
| Loan and lease loss provision to assets | 0.2802% | 1,364 |
| Net operating income to assets | 0.6788% | 3,498 |
| Return on assets (ROA) | 0.6852% | 3,608 |
| Pretax return on assets | 0.8388% | 3,534 |
| Return on Equity (ROE) | 6.1197% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.1197% | 1,744 |
| Net charge-offs to loans | 0.0293% | 2,441 |
| Credit loss provision to net charge-offs | 1,272.0588% | 653 |
| Earnings coverage of net charge-offs (x) | 50.4412% | 1,192 |
| Efficiency ratio | 74.9544% | 1,338 |
| Assets per employee ($millions) | 4.2395% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,470 |
| Loan loss allowance to noncurrent loans | 268.9585% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 2,769 |
| Noncurrent loans to loans | 0.4083% | 2,751 |
| Net loans and leases to total assets | 74.3550% | 973 |
| Net loans and leases to deposits | 89.2614% | 987 |
| Net loans and leases to core deposits | 92.1293% | 1,377 |
| Total domestic deposits to total assets | 83.3003% | 3,329 |
| Equity capital to assets | 11.2289% | 2,074 |
| Core capital (leverage) ratio | 10.8517% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8017% | 1,310 |
| Memoranda: | ||
| Average total assets | $308,670,200 | 2,249 |
| Average earning assets | $285,412,600 | 2,258 |
| Average equity | $34,560,600 | 2,253 |
| Average total loans | $231,747,400 | 2,023 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 2,488 |
| Cost of funding earning assets | 0.6919% | 2,071 |
| Net interest margin | 3.4712% | 2,689 |
| Noninterest income to average assets | 1.0626% | 923 |
| Noninterest expense to average assets | 3.2467% | 987 |
| Loan and lease loss provision to assets | 0.2467% | 1,644 |
| Net operating income to assets | 0.6396% | 3,665 |
| Return on assets (ROA) | 0.6468% | 3,738 |
| Pretax return on assets | 0.7879% | 3,678 |
| Return on Equity (ROE) | 5.7812% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.7812% | 2,188 |
| Net charge-offs to loans | 0.0180% | 2,497 |
| Credit loss provision to net charge-offs | 1,822.5806% | 521 |
| Earnings coverage of net charge-offs (x) | 75.7742% | 951 |
| Efficiency ratio | 75.9890% | 1,205 |
| Assets per employee ($millions) | 4.2665% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,790 |
| Loan loss allowance to noncurrent loans | 271.9637% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 3,065 |
| Noncurrent loans to loans | 0.3596% | 2,996 |
| Net loans and leases to total assets | 75.8199% | 1,122 |
| Net loans and leases to deposits | 91.1234% | 1,144 |
| Net loans and leases to core deposits | 94.3792% | 1,604 |
| Total domestic deposits to total assets | 83.2057% | 3,088 |
| Equity capital to assets | 11.0772% | 2,341 |
| Core capital (leverage) ratio | 10.8595% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1451% | 1,219 |
| Memoranda: | ||
| Average total assets | $305,287,000 | 2,245 |
| Average earning assets | $282,314,750 | 2,259 |
| Average equity | $34,155,750 | 2,264 |
| Average total loans | $229,125,750 | 2,040 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,577 |
| Cost of funding earning assets | 0.7826% | 1,918 |
| Net interest margin | 3.4787% | 2,861 |
| Noninterest income to average assets | 0.9341% | 1,096 |
| Noninterest expense to average assets | 3.2385% | 1,091 |
| Loan and lease loss provision to assets | 0.1931% | 2,101 |
| Net operating income to assets | 0.6009% | 3,734 |
| Return on assets (ROA) | 0.6125% | 3,773 |
| Pretax return on assets | 0.7337% | 3,785 |
| Return on Equity (ROE) | 5.4558% | 3,693 |
| Retained earnings to average equity (ytd only) | 5.4558% | 2,292 |
| Net charge-offs to loans | 0.0286% | 2,147 |
| Credit loss provision to net charge-offs | 906.2500% | 844 |
| Earnings coverage of net charge-offs (x) | 42.8438% | 1,199 |
| Efficiency ratio | 78.0112% | 1,058 |
| Assets per employee ($millions) | 4.2541% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 4,033 |
| Loan loss allowance to noncurrent loans | 197.6701% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 2,938 |
| Noncurrent loans to loans | 0.4501% | 2,801 |
| Net loans and leases to total assets | 75.0492% | 1,273 |
| Net loans and leases to deposits | 90.2144% | 1,338 |
| Net loans and leases to core deposits | 94.9189% | 1,667 |
| Total domestic deposits to total assets | 83.1898% | 3,034 |
| Equity capital to assets | 11.0612% | 2,285 |
| Core capital (leverage) ratio | 10.7186% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5916% | 1,118 |
| Memoranda: | ||
| Average total assets | $300,386,000 | 2,251 |
| Average earning assets | $277,805,667 | 2,267 |
| Average equity | $33,725,667 | 2,273 |
| Average total loans | $223,830,333 | 2,054 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,304 |
| Cost of funding earning assets | 0.9242% | 1,757 |
| Net interest margin | 3.5787% | 2,740 |
| Noninterest income to average assets | 0.7518% | 1,462 |
| Noninterest expense to average assets | 3.2772% | 1,265 |
| Loan and lease loss provision to assets | 0.1228% | 2,160 |
| Net operating income to assets | 0.5553% | 3,723 |
| Return on assets (ROA) | 0.5553% | 3,786 |
| Pretax return on assets | 0.6590% | 3,795 |
| Return on Equity (ROE) | 4.9069% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.9069% | 2,315 |
| Net charge-offs to loans | 0.0665% | 1,358 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 15.9167% | 1,548 |
| Efficiency ratio | 80.7395% | 1,066 |
| Assets per employee ($millions) | 3.9014% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,179 |
| Loan loss allowance to noncurrent loans | 191.8919% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,077 |
| Noncurrent loans to loans | 0.4596% | 2,877 |
| Net loans and leases to total assets | 73.6302% | 1,673 |
| Net loans and leases to deposits | 91.0738% | 1,395 |
| Net loans and leases to core deposits | 96.3736% | 1,758 |
| Total domestic deposits to total assets | 80.8467% | 3,701 |
| Equity capital to assets | 11.2465% | 2,642 |
| Core capital (leverage) ratio | 11.2650% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2962% | 1,281 |
| Memoranda: | ||
| Average total assets | $293,177,500 | 2,249 |
| Average earning assets | $270,938,500 | 2,260 |
| Average equity | $33,178,000 | 2,294 |
| Average total loans | $216,556,500 | 2,071 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 2,258 |
| Cost of funding earning assets | 0.9913% | 1,763 |
| Net interest margin | 3.7326% | 2,722 |
| Noninterest income to average assets | 0.7561% | 1,604 |
| Noninterest expense to average assets | 3.5096% | 951 |
| Loan and lease loss provision to assets | 0.0991% | 2,068 |
| Net operating income to assets | 0.5120% | 4,382 |
| Return on assets (ROA) | 0.5755% | 4,288 |
| Pretax return on assets | 0.6618% | 4,300 |
| Return on Equity (ROE) | 4.8388% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.8388% | 2,508 |
| Net charge-offs to loans | 0.1057% | 1,669 |
| Credit loss provision to net charge-offs | 126.1682% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.7570% | 2,734 |
| Efficiency ratio | 83.6132% | 683 |
| Assets per employee ($millions) | 4.0798% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,111 |
| Loan loss allowance to noncurrent loans | 211.2245% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,232 |
| Noncurrent loans to loans | 0.4088% | 2,974 |
| Net loans and leases to total assets | 72.8128% | 1,947 |
| Net loans and leases to deposits | 90.0648% | 1,584 |
| Net loans and leases to core deposits | 94.4630% | 2,022 |
| Total domestic deposits to total assets | 80.8448% | 3,801 |
| Equity capital to assets | 11.3866% | 2,637 |
| Core capital (leverage) ratio | 11.3190% | 2,233 |
| Tier 1 risk-based capital ratio | 16.5029% | 2,216 |
| Total risk-based capital ratio | 17.4451% | 2,282 |
| Memoranda: | ||
| Average total assets | $272,452,400 | 2,317 |
| Average earning assets | $251,192,800 | 2,331 |
| Average equity | $32,404,400 | 2,279 |
| Average total loans | $202,535,800 | 2,152 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 2,227 |
| Cost of funding earning assets | 0.9763% | 1,867 |
| Net interest margin | 3.7913% | 2,626 |
| Noninterest income to average assets | 0.7657% | 1,538 |
| Noninterest expense to average assets | 3.5043% | 942 |
| Loan and lease loss provision to assets | 0.0898% | 2,106 |
| Net operating income to assets | 0.5780% | 4,349 |
| Return on assets (ROA) | 0.5780% | 4,396 |
| Pretax return on assets | 0.6603% | 4,431 |
| Return on Equity (ROE) | 4.8033% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.8033% | 2,988 |
| Net charge-offs to loans | 0.1345% | 1,191 |
| Credit loss provision to net charge-offs | 89.5522% | 2,397 |
| Earnings coverage of net charge-offs (x) | 7.4777% | 2,736 |
| Efficiency ratio | 82.3674% | 734 |
| Assets per employee ($millions) | 3.6082% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,196 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,263 |
| Noncurrent loans to loans | 0.4305% | 3,015 |
| Net loans and leases to total assets | 74.0249% | 1,817 |
| Net loans and leases to deposits | 92.6665% | 1,352 |
| Net loans and leases to core deposits | 97.8639% | 1,835 |
| Total domestic deposits to total assets | 79.8831% | 4,014 |
| Equity capital to assets | 11.9472% | 2,301 |
| Core capital (leverage) ratio | 12.1329% | 1,768 |
| Tier 1 risk-based capital ratio | 16.7534% | 2,165 |
| Total risk-based capital ratio | 17.6820% | 2,225 |
| Memoranda: | ||
| Average total assets | $267,128,500 | 2,363 |
| Average earning assets | $245,822,000 | 2,378 |
| Average equity | $32,143,500 | 2,304 |
| Average total loans | $199,232,500 | 2,189 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 2,108 |
| Cost of funding earning assets | 0.9620% | 1,856 |
| Net interest margin | 3.8224% | 2,507 |
| Noninterest income to average assets | 0.7566% | 1,493 |
| Noninterest expense to average assets | 3.4656% | 998 |
| Loan and lease loss provision to assets | 0.0797% | 2,238 |
| Net operating income to assets | 0.6291% | 4,221 |
| Return on assets (ROA) | 0.6291% | 4,266 |
| Pretax return on assets | 0.7239% | 4,273 |
| Return on Equity (ROE) | 5.2149% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.2149% | 2,660 |
| Net charge-offs to loans | 0.1730% | 941 |
| Credit loss provision to net charge-offs | 61.7647% | 2,392 |
| Earnings coverage of net charge-offs (x) | 6.2294% | 2,592 |
| Efficiency ratio | 81.1767% | 867 |
| Assets per employee ($millions) | 3.6471% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,211 |
| Loan loss allowance to noncurrent loans | 205.6671% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 3,249 |
| Noncurrent loans to loans | 0.4214% | 3,019 |
| Net loans and leases to total assets | 74.8423% | 1,747 |
| Net loans and leases to deposits | 90.1681% | 1,719 |
| Net loans and leases to core deposits | 95.2440% | 2,134 |
| Total domestic deposits to total assets | 83.0031% | 3,204 |
| Equity capital to assets | 12.2639% | 2,012 |
| Core capital (leverage) ratio | 12.0854% | 1,769 |
| Tier 1 risk-based capital ratio | 17.0242% | 2,082 |
| Total risk-based capital ratio | 17.9541% | 2,118 |
| Memoranda: | ||
| Average total assets | $263,561,000 | 2,394 |
| Average earning assets | $242,202,330 | 2,411 |
| Average equity | $31,793,670 | 2,317 |
| Average total loans | $196,493,330 | 2,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 2,135 |
| Cost of funding earning assets | 0.9338% | 1,869 |
| Net interest margin | 3.7915% | 2,561 |
| Noninterest income to average assets | 0.7490% | 1,437 |
| Noninterest expense to average assets | 3.4703% | 1,011 |
| Loan and lease loss provision to assets | 0.0458% | 2,731 |
| Net operating income to assets | 0.6285% | 4,150 |
| Return on assets (ROA) | 0.6285% | 4,192 |
| Pretax return on assets | 0.7139% | 4,266 |
| Return on Equity (ROE) | 5.2543% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,801 |
| Net charge-offs to loans | 0.3336% | 458 |
| Credit loss provision to net charge-offs | 18.5185% | 2,143 |
| Earnings coverage of net charge-offs (x) | 3.0741% | 2,432 |
| Efficiency ratio | 82.0411% | 868 |
| Assets per employee ($millions) | 3.9871% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 4,291 |
| Loan loss allowance to noncurrent loans | 201.5644% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,359 |
| Noncurrent loans to loans | 0.4282% | 3,051 |
| Net loans and leases to total assets | 72.0282% | 2,161 |
| Net loans and leases to deposits | 86.4535% | 2,078 |
| Net loans and leases to core deposits | 92.8136% | 2,230 |
| Total domestic deposits to total assets | 83.3143% | 3,276 |
| Equity capital to assets | 11.8851% | 2,098 |
| Core capital (leverage) ratio | 12.1617% | 1,688 |
| Tier 1 risk-based capital ratio | 17.5958% | 1,918 |
| Total risk-based capital ratio | 18.5321% | 1,961 |
| Memoranda: | ||
| Average total assets | $262,223,000 | 2,427 |
| Average earning assets | $240,747,000 | 2,446 |
| Average equity | $31,365,000 | 2,338 |
| Average total loans | $194,240,000 | 2,254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 2,069 |
| Cost of funding earning assets | 0.7351% | 1,872 |
| Net interest margin | 3.8895% | 2,358 |
| Noninterest income to average assets | 0.8072% | 1,422 |
| Noninterest expense to average assets | 3.7598% | 720 |
| Loan and lease loss provision to assets | 0.0425% | 3,338 |
| Net operating income to assets | 0.4433% | 4,781 |
| Return on assets (ROA) | 0.4980% | 4,666 |
| Pretax return on assets | 0.6289% | 4,577 |
| Return on Equity (ROE) | 4.0502% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.0502% | 3,337 |
| Net charge-offs to loans | 0.1657% | 1,164 |
| Credit loss provision to net charge-offs | 35.5932% | 3,315 |
| Earnings coverage of net charge-offs (x) | 5.0373% | 3,229 |
| Efficiency ratio | 86.1960% | 516 |
| Assets per employee ($millions) | 3.7840% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,047 |
| Loan loss allowance to noncurrent loans | 110.1158% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 2,007 |
| Noncurrent loans to loans | 0.8442% | 1,913 |
| Net loans and leases to total assets | 74.8454% | 1,794 |
| Net loans and leases to deposits | 90.1139% | 1,785 |
| Net loans and leases to core deposits | 97.4414% | 1,916 |
| Total domestic deposits to total assets | 83.0564% | 3,308 |
| Equity capital to assets | 12.0402% | 1,869 |
| Core capital (leverage) ratio | 12.3793% | 1,522 |
| Tier 1 risk-based capital ratio | 17.2757% | 1,961 |
| Total risk-based capital ratio | 18.2807% | 1,998 |
| Memoranda: | ||
| Average total assets | $246,793,000 | 2,491 |
| Average earning assets | $225,556,000 | 2,520 |
| Average equity | $30,344,400 | 2,317 |
| Average total loans | $177,986,400 | 2,348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 2,070 |
| Cost of funding earning assets | 0.6904% | 1,902 |
| Net interest margin | 3.8813% | 2,373 |
| Noninterest income to average assets | 0.8262% | 1,390 |
| Noninterest expense to average assets | 3.8077% | 665 |
| Loan and lease loss provision to assets | 0.0328% | 3,362 |
| Net operating income to assets | 0.4019% | 4,951 |
| Return on assets (ROA) | 0.4472% | 4,864 |
| Pretax return on assets | 0.5887% | 4,752 |
| Return on Equity (ROE) | 3.6176% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,959 |
| Net charge-offs to loans | 0.0751% | 1,775 |
| Credit loss provision to net charge-offs | 61.2245% | 2,737 |
| Earnings coverage of net charge-offs (x) | 10.5411% | 2,580 |
| Efficiency ratio | 87.0972% | 452 |
| Assets per employee ($millions) | 3.8627% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,414 |
| Loan loss allowance to noncurrent loans | 106.8740% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 1,991 |
| Noncurrent loans to loans | 0.9919% | 1,715 |
| Net loans and leases to total assets | 73.9577% | 1,991 |
| Net loans and leases to deposits | 89.3905% | 1,972 |
| Net loans and leases to core deposits | 96.8641% | 2,037 |
| Total domestic deposits to total assets | 82.7355% | 3,390 |
| Equity capital to assets | 12.2631% | 1,733 |
| Core capital (leverage) ratio | 12.6397% | 1,442 |
| Tier 1 risk-based capital ratio | 17.8067% | 1,838 |
| Total risk-based capital ratio | 18.9447% | 1,830 |
| Memoranda: | ||
| Average total assets | $244,163,000 | 2,521 |
| Average earning assets | $223,045,250 | 2,549 |
| Average equity | $30,185,250 | 2,330 |
| Average total loans | $173,884,500 | 2,401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,052 |
| Cost of funding earning assets | 0.6368% | 2,007 |
| Net interest margin | 3.8759% | 2,286 |
| Noninterest income to average assets | 0.8497% | 1,321 |
| Noninterest expense to average assets | 3.7484% | 714 |
| Loan and lease loss provision to assets | 0.0123% | 3,613 |
| Net operating income to assets | 0.4327% | 4,896 |
| Return on assets (ROA) | 0.4327% | 4,903 |
| Pretax return on assets | 0.6284% | 4,685 |
| Return on Equity (ROE) | 3.4902% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.4902% | 3,841 |
| Net charge-offs to loans | 0.0728% | 1,605 |
| Credit loss provision to net charge-offs | 24.1935% | 2,663 |
| Earnings coverage of net charge-offs (x) | 12.5645% | 2,197 |
| Efficiency ratio | 85.4010% | 604 |
| Assets per employee ($millions) | 3.4956% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,287 |
| Loan loss allowance to noncurrent loans | 93.8432% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 1,755 |
| Noncurrent loans to loans | 1.1678% | 1,493 |
| Net loans and leases to total assets | 71.9602% | 2,283 |
| Net loans and leases to deposits | 88.3809% | 2,062 |
| Net loans and leases to core deposits | 95.7811% | 2,074 |
| Total domestic deposits to total assets | 81.4205% | 3,888 |
| Equity capital to assets | 12.3840% | 1,609 |
| Core capital (leverage) ratio | 12.7123% | 1,344 |
| Tier 1 risk-based capital ratio | 18.2027% | 1,750 |
| Total risk-based capital ratio | 19.3725% | 1,727 |
| Memoranda: | ||
| Average total assets | $243,146,330 | 2,544 |
| Average earning assets | $222,041,000 | 2,571 |
| Average equity | $30,141,670 | 2,341 |
| Average total loans | $170,248,670 | 2,461 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,993 |
| Cost of funding earning assets | 0.5839% | 2,141 |
| Net interest margin | 3.8757% | 2,137 |
| Noninterest income to average assets | 0.7839% | 1,505 |
| Noninterest expense to average assets | 3.7133% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2740% | 5,129 |
| Return on assets (ROA) | 0.2740% | 5,130 |
| Pretax return on assets | 0.6090% | 4,664 |
| Return on Equity (ROE) | 2.2088% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.2088% | 4,287 |
| Net charge-offs to loans | 0.0769% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.5313% | 1,842 |
| Efficiency ratio | 85.9107% | 657 |
| Assets per employee ($millions) | 3.4613% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,999 |
| Loan loss allowance to noncurrent loans | 98.3000% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 1,853 |
| Noncurrent loans to loans | 1.1861% | 1,543 |
| Net loans and leases to total assets | 68.7808% | 2,662 |
| Net loans and leases to deposits | 83.5266% | 2,449 |
| Net loans and leases to core deposits | 87.2462% | 2,698 |
| Total domestic deposits to total assets | 82.3459% | 3,860 |
| Equity capital to assets | 12.3327% | 1,583 |
| Core capital (leverage) ratio | 12.5914% | 1,352 |
| Tier 1 risk-based capital ratio | 18.5938% | 1,668 |
| Total risk-based capital ratio | 19.8122% | 1,636 |
| Memoranda: | ||
| Average total assets | $242,372,000 | 2,571 |
| Average earning assets | $221,274,500 | 2,601 |
| Average equity | $30,061,000 | 2,360 |
| Average total loans | $166,356,000 | 2,513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,075 |
| Cost of funding earning assets | 0.4706% | 2,599 |
| Net interest margin | 3.9121% | 2,048 |
| Noninterest income to average assets | 0.7357% | 1,820 |
| Noninterest expense to average assets | 3.5314% | 984 |
| Loan and lease loss provision to assets | 0.0249% | 3,798 |
| Net operating income to assets | 0.6419% | 3,845 |
| Return on assets (ROA) | 0.6427% | 3,880 |
| Pretax return on assets | 0.7382% | 4,419 |
| Return on Equity (ROE) | 5.2839% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.2839% | 1,947 |
| Net charge-offs to loans | 0.1476% | 1,611 |
| Credit loss provision to net charge-offs | 25.3165% | 3,573 |
| Earnings coverage of net charge-offs (x) | 7.7468% | 3,001 |
| Efficiency ratio | 82.2471% | 910 |
| Assets per employee ($millions) | 3.4148% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,678 |
| Loan loss allowance to noncurrent loans | 87.7802% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 1,656 |
| Noncurrent loans to loans | 1.3864% | 1,241 |
| Net loans and leases to total assets | 66.8580% | 2,985 |
| Net loans and leases to deposits | 83.2315% | 2,578 |
| Net loans and leases to core deposits | 84.7573% | 3,001 |
| Total domestic deposits to total assets | 80.3278% | 4,275 |
| Equity capital to assets | 12.4729% | 1,532 |
| Core capital (leverage) ratio | 12.4864% | 1,368 |
| Tier 1 risk-based capital ratio | 18.8894% | 1,530 |
| Total risk-based capital ratio | 20.1392% | 1,495 |
| Memoranda: | ||
| Average total assets | $240,869,600 | 2,559 |
| Average earning assets | $219,061,400 | 2,589 |
| Average equity | $29,296,600 | 2,406 |
| Average total loans | $160,558,800 | 2,546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 2,135 |
| Cost of funding earning assets | 0.4540% | 2,681 |
| Net interest margin | 3.8871% | 2,079 |
| Noninterest income to average assets | 0.7114% | 1,949 |
| Noninterest expense to average assets | 3.5191% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6361% | 4,248 |
| Return on assets (ROA) | 0.6371% | 4,299 |
| Pretax return on assets | 0.7252% | 4,542 |
| Return on Equity (ROE) | 5.2716% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.2716% | 2,708 |
| Net charge-offs to loans | 0.1311% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.3184% | 2,798 |
| Efficiency ratio | 82.9348% | 844 |
| Assets per employee ($millions) | 3.3960% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,806 |
| Loan loss allowance to noncurrent loans | 89.7242% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 1,677 |
| Noncurrent loans to loans | 1.3601% | 1,384 |
| Net loans and leases to total assets | 67.7146% | 2,883 |
| Net loans and leases to deposits | 84.2993% | 2,527 |
| Net loans and leases to core deposits | 86.0906% | 2,955 |
| Total domestic deposits to total assets | 80.3264% | 4,246 |
| Equity capital to assets | 12.4434% | 1,684 |
| Core capital (leverage) ratio | 12.2933% | 1,515 |
| Tier 1 risk-based capital ratio | 18.6127% | 1,703 |
| Total risk-based capital ratio | 19.8628% | 1,651 |
| Memoranda: | ||
| Average total assets | $240,473,500 | 2,579 |
| Average earning assets | $218,495,500 | 2,613 |
| Average equity | $29,060,500 | 2,445 |
| Average total loans | $159,674,250 | 2,568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,192 |
| Cost of funding earning assets | 0.4510% | 2,589 |
| Net interest margin | 3.8302% | 2,175 |
| Noninterest income to average assets | 0.7259% | 1,883 |
| Noninterest expense to average assets | 3.5320% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6052% | 4,279 |
| Return on assets (ROA) | 0.6052% | 4,326 |
| Pretax return on assets | 0.6718% | 4,622 |
| Return on Equity (ROE) | 5.0580% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.0580% | 2,675 |
| Net charge-offs to loans | 0.1445% | 1,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.0789% | 2,644 |
| Efficiency ratio | 84.0198% | 841 |
| Assets per employee ($millions) | 3.2990% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,428 |
| Loan loss allowance to noncurrent loans | 118.1870% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 2,025 |
| Noncurrent loans to loans | 1.0971% | 1,785 |
| Net loans and leases to total assets | 66.9460% | 2,958 |
| Net loans and leases to deposits | 83.9960% | 2,475 |
| Net loans and leases to core deposits | 85.8478% | 2,894 |
| Total domestic deposits to total assets | 79.7015% | 4,481 |
| Equity capital to assets | 12.6244% | 1,562 |
| Core capital (leverage) ratio | 12.4288% | 1,400 |
| Tier 1 risk-based capital ratio | 18.9857% | 1,597 |
| Total risk-based capital ratio | 20.2369% | 1,541 |
| Memoranda: | ||
| Average total assets | $240,259,670 | 2,589 |
| Average earning assets | $218,160,670 | 2,626 |
| Average equity | $28,746,330 | 2,455 |
| Average total loans | $157,803,330 | 2,594 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 2,347 |
| Cost of funding earning assets | 0.4310% | 2,709 |
| Net interest margin | 3.7469% | 2,323 |
| Noninterest income to average assets | 0.7498% | 1,747 |
| Noninterest expense to average assets | 3.3312% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6939% | 3,739 |
| Return on assets (ROA) | 0.6939% | 3,775 |
| Pretax return on assets | 0.8205% | 4,034 |
| Return on Equity (ROE) | 5.9574% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.9574% | 2,364 |
| Net charge-offs to loans | 0.1348% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.4151% | 1,994 |
| Efficiency ratio | 80.2376% | 1,355 |
| Assets per employee ($millions) | 3.4238% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,289 |
| Loan loss allowance to noncurrent loans | 117.2471% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 2,005 |
| Noncurrent loans to loans | 1.1555% | 1,757 |
| Net loans and leases to total assets | 64.4382% | 3,210 |
| Net loans and leases to deposits | 82.1364% | 2,492 |
| Net loans and leases to core deposits | 83.8438% | 2,915 |
| Total domestic deposits to total assets | 78.4526% | 4,917 |
| Equity capital to assets | 11.9412% | 1,882 |
| Core capital (leverage) ratio | 12.1841% | 1,511 |
| Tier 1 risk-based capital ratio | 19.2366% | 1,553 |
| Total risk-based capital ratio | 20.4889% | 1,520 |
| Memoranda: | ||
| Average total assets | $243,275,000 | 2,585 |
| Average earning assets | $220,875,500 | 2,631 |
| Average equity | $28,334,500 | 2,488 |
| Average total loans | $157,271,500 | 2,614 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,079 |
| Cost of funding earning assets | 0.4550% | 2,495 |
| Net interest margin | 3.8648% | 2,082 |
| Noninterest income to average assets | 0.6977% | 2,186 |
| Noninterest expense to average assets | 3.5290% | 1,116 |
| Loan and lease loss provision to assets | 0.1533% | 1,636 |
| Net operating income to assets | 0.4887% | 4,675 |
| Return on assets (ROA) | 0.4951% | 4,727 |
| Pretax return on assets | 0.5294% | 4,971 |
| Return on Equity (ROE) | 4.1043% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.1043% | 2,987 |
| Net charge-offs to loans | 0.1057% | 2,210 |
| Credit loss provision to net charge-offs | 219.6319% | 1,303 |
| Earnings coverage of net charge-offs (x) | 9.6810% | 2,728 |
| Efficiency ratio | 83.9275% | 1,016 |
| Assets per employee ($millions) | 3.5780% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,188 |
| Loan loss allowance to noncurrent loans | 99.1788% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 1,810 |
| Noncurrent loans to loans | 1.3875% | 1,473 |
| Net loans and leases to total assets | 63.1113% | 3,464 |
| Net loans and leases to deposits | 79.6099% | 2,926 |
| Net loans and leases to core deposits | 81.3975% | 3,270 |
| Total domestic deposits to total assets | 79.2756% | 4,727 |
| Equity capital to assets | 11.3617% | 2,278 |
| Core capital (leverage) ratio | 11.9595% | 1,627 |
| Tier 1 risk-based capital ratio | 18.5040% | 1,727 |
| Total risk-based capital ratio | 19.7566% | 1,693 |
| Memoranda: | ||
| Average total assets | $233,491,800 | 2,628 |
| Average earning assets | $211,886,400 | 2,682 |
| Average equity | $28,165,800 | 2,504 |
| Average total loans | $154,208,200 | 2,588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,031 |
| Cost of funding earning assets | 0.4636% | 2,432 |
| Net interest margin | 3.8776% | 2,060 |
| Noninterest income to average assets | 0.7155% | 2,100 |
| Noninterest expense to average assets | 3.5785% | 1,024 |
| Loan and lease loss provision to assets | 0.1935% | 1,116 |
| Net operating income to assets | 0.4516% | 4,869 |
| Return on assets (ROA) | 0.4606% | 4,915 |
| Pretax return on assets | 0.4756% | 5,180 |
| Return on Equity (ROE) | 3.7595% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.7595% | 3,629 |
| Net charge-offs to loans | 0.1392% | 1,599 |
| Credit loss provision to net charge-offs | 208.7500% | 1,398 |
| Earnings coverage of net charge-offs (x) | 7.1187% | 2,917 |
| Efficiency ratio | 84.4314% | 955 |
| Assets per employee ($millions) | 3.5538% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,334 |
| Loan loss allowance to noncurrent loans | 94.2232% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 1,697 |
| Noncurrent loans to loans | 1.4563% | 1,486 |
| Net loans and leases to total assets | 65.9763% | 3,126 |
| Net loans and leases to deposits | 83.4367% | 2,552 |
| Net loans and leases to core deposits | 85.1852% | 3,020 |
| Total domestic deposits to total assets | 79.0735% | 4,706 |
| Equity capital to assets | 12.2705% | 1,925 |
| Core capital (leverage) ratio | 12.2274% | 1,527 |
| Tier 1 risk-based capital ratio | 18.8778% | 1,696 |
| Total risk-based capital ratio | 20.1304% | 1,659 |
| Memoranda: | ||
| Average total assets | $230,144,000 | 2,669 |
| Average earning assets | $209,093,500 | 2,713 |
| Average equity | $28,194,750 | 2,520 |
| Average total loans | $153,264,000 | 2,603 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,055 |
| Cost of funding earning assets | 0.4629% | 2,449 |
| Net interest margin | 3.8668% | 2,098 |
| Noninterest income to average assets | 0.7023% | 2,133 |
| Noninterest expense to average assets | 3.6252% | 973 |
| Loan and lease loss provision to assets | 0.2256% | 917 |
| Net operating income to assets | 0.3796% | 5,094 |
| Return on assets (ROA) | 0.3936% | 5,133 |
| Pretax return on assets | 0.3726% | 5,387 |
| Return on Equity (ROE) | 3.2144% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.2144% | 3,851 |
| Net charge-offs to loans | 0.0658% | 2,252 |
| Credit loss provision to net charge-offs | 516.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 13.3600% | 2,135 |
| Efficiency ratio | 86.1209% | 868 |
| Assets per employee ($millions) | 3.5678% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 2,300 |
| Loan loss allowance to noncurrent loans | 87.7256% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,593 |
| Noncurrent loans to loans | 1.5953% | 1,343 |
| Net loans and leases to total assets | 66.4426% | 3,018 |
| Net loans and leases to deposits | 84.1886% | 2,441 |
| Net loans and leases to core deposits | 86.0259% | 2,897 |
| Total domestic deposits to total assets | 78.9211% | 4,802 |
| Equity capital to assets | 12.3423% | 1,877 |
| Core capital (leverage) ratio | 11.9937% | 1,630 |
| Tier 1 risk-based capital ratio | 18.4527% | 1,811 |
| Total risk-based capital ratio | 19.7051% | 1,774 |
| Memoranda: | ||
| Average total assets | $228,674,000 | 2,689 |
| Average earning assets | $207,405,670 | 2,738 |
| Average equity | $27,999,330 | 2,535 |
| Average total loans | $152,051,000 | 2,621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,104 |
| Cost of funding earning assets | 0.4571% | 2,503 |
| Net interest margin | 3.8510% | 2,100 |
| Noninterest income to average assets | 0.6712% | 2,168 |
| Noninterest expense to average assets | 3.5974% | 1,023 |
| Loan and lease loss provision to assets | 0.2783% | 593 |
| Net operating income to assets | 0.3382% | 5,188 |
| Return on assets (ROA) | 0.3664% | 5,170 |
| Pretax return on assets | 0.3118% | 5,490 |
| Return on Equity (ROE) | 3.0050% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.0050% | 4,008 |
| Net charge-offs to loans | 0.0107% | 2,763 |
| Credit loss provision to net charge-offs | 3,950.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 79.7500% | 639 |
| Efficiency ratio | 86.4888% | 933 |
| Assets per employee ($millions) | 3.5177% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 2,327 |
| Loan loss allowance to noncurrent loans | 86.6017% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 1,702 |
| Noncurrent loans to loans | 1.6414% | 1,392 |
| Net loans and leases to total assets | 63.7153% | 3,278 |
| Net loans and leases to deposits | 80.5451% | 2,721 |
| Net loans and leases to core deposits | 82.6638% | 3,070 |
| Total domestic deposits to total assets | 79.1051% | 4,944 |
| Equity capital to assets | 12.0099% | 2,029 |
| Core capital (leverage) ratio | 12.0019% | 1,601 |
| Tier 1 risk-based capital ratio | 19.3025% | 1,659 |
| Total risk-based capital ratio | 20.5558% | 1,620 |
| Memoranda: | ||
| Average total assets | $227,056,000 | 2,716 |
| Average earning assets | $205,661,000 | 2,762 |
| Average equity | $27,687,500 | 2,550 |
| Average total loans | $149,939,500 | 2,649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,347 |
| Cost of funding earning assets | 0.4299% | 2,844 |
| Net interest margin | 4.1647% | 1,251 |
| Noninterest income to average assets | 0.6798% | 2,294 |
| Noninterest expense to average assets | 3.7356% | 934 |
| Loan and lease loss provision to assets | 0.4385% | 281 |
| Net operating income to assets | 0.3063% | 5,337 |
| Return on assets (ROA) | 0.3063% | 5,420 |
| Pretax return on assets | 0.2682% | 5,584 |
| Return on Equity (ROE) | 2.4340% | 5,471 |
| Retained earnings to average equity (ytd only) | 2.4340% | 4,335 |
| Net charge-offs to loans | 0.6998% | 342 |
| Credit loss provision to net charge-offs | 87.2576% | 2,808 |
| Earnings coverage of net charge-offs (x) | 1.4063% | 4,092 |
| Efficiency ratio | 84.0907% | 1,173 |
| Assets per employee ($millions) | 3.2639% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,788 |
| Loan loss allowance to noncurrent loans | 90.7840% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 1,753 |
| Noncurrent loans to loans | 1.4557% | 1,605 |
| Net loans and leases to total assets | 66.6111% | 2,895 |
| Net loans and leases to deposits | 85.0599% | 2,234 |
| Net loans and leases to core deposits | 87.4265% | 2,660 |
| Total domestic deposits to total assets | 78.3108% | 5,101 |
| Equity capital to assets | 12.3869% | 1,678 |
| Core capital (leverage) ratio | 12.4214% | 1,391 |
| Tier 1 risk-based capital ratio | 19.8074% | 1,517 |
| Total risk-based capital ratio | 21.0596% | 1,488 |
| Memoranda: | ||
| Average total assets | $215,495,200 | 2,785 |
| Average earning assets | $194,683,800 | 2,831 |
| Average equity | $27,116,200 | 2,535 |
| Average total loans | $154,752,800 | 2,532 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 1,227 |
| Cost of funding earning assets | 0.4278% | 2,931 |
| Net interest margin | 4.2149% | 1,135 |
| Noninterest income to average assets | 0.4775% | 3,518 |
| Noninterest expense to average assets | 3.7409% | 917 |
| Loan and lease loss provision to assets | 0.4918% | 208 |
| Net operating income to assets | 0.1739% | 5,725 |
| Return on assets (ROA) | 0.1739% | 5,780 |
| Pretax return on assets | 0.0524% | 5,932 |
| Return on Equity (ROE) | 1.3766% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.3766% | 5,174 |
| Net charge-offs to loans | 0.7872% | 259 |
| Credit loss provision to net charge-offs | 85.6678% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.9479% | 3,895 |
| Efficiency ratio | 87.3000% | 911 |
| Assets per employee ($millions) | 3.2067% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 3,233 |
| Loan loss allowance to noncurrent loans | 66.8912% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 1,593 |
| Noncurrent loans to loans | 1.9054% | 1,215 |
| Net loans and leases to total assets | 71.6009% | 2,121 |
| Net loans and leases to deposits | 91.9388% | 1,416 |
| Net loans and leases to core deposits | 94.5972% | 2,027 |
| Total domestic deposits to total assets | 77.8788% | 5,208 |
| Equity capital to assets | 12.6648% | 1,643 |
| Core capital (leverage) ratio | 12.2002% | 1,566 |
| Tier 1 risk-based capital ratio | 18.8488% | 1,807 |
| Total risk-based capital ratio | 20.1009% | 1,779 |
| Memoranda: | ||
| Average total assets | $213,882,750 | 2,828 |
| Average earning assets | $193,213,250 | 2,882 |
| Average equity | $27,022,250 | 2,559 |
| Average total loans | $155,986,000 | 2,533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,238 |
| Cost of funding earning assets | 0.4061% | 3,211 |
| Net interest margin | 4.2111% | 1,089 |
| Noninterest income to average assets | 0.4018% | 4,073 |
| Noninterest expense to average assets | 3.7638% | 916 |
| Loan and lease loss provision to assets | 0.5713% | 161 |
| Net operating income to assets | 0.0571% | 5,924 |
| Return on assets (ROA) | 0.0571% | 5,964 |
| Pretax return on assets | -0.1264% | 6,080 |
| Return on Equity (ROE) | 0.4525% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.4525% | 5,367 |
| Net charge-offs to loans | 0.4050% | 643 |
| Credit loss provision to net charge-offs | 193.0380% | 1,275 |
| Earnings coverage of net charge-offs (x) | 1.5032% | 3,503 |
| Efficiency ratio | 89.4304% | 797 |
| Assets per employee ($millions) | 3.3211% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 2,153 |
| Loan loss allowance to noncurrent loans | 74.4904% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 1,415 |
| Noncurrent loans to loans | 2.0560% | 1,174 |
| Net loans and leases to total assets | 70.7480% | 2,199 |
| Net loans and leases to deposits | 92.0688% | 1,368 |
| Net loans and leases to core deposits | 96.5111% | 1,757 |
| Total domestic deposits to total assets | 76.8425% | 5,482 |
| Equity capital to assets | 12.3027% | 1,795 |
| Core capital (leverage) ratio | 12.4482% | 1,405 |
| Tier 1 risk-based capital ratio | 19.2588% | 1,730 |
| Total risk-based capital ratio | 20.5146% | 1,696 |
| Memoranda: | ||
| Average total assets | $213,561,000 | 2,849 |
| Average earning assets | $193,062,670 | 2,901 |
| Average equity | $26,959,670 | 2,573 |
| Average total loans | $156,041,670 | 2,540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,070 |
| Cost of funding earning assets | 0.3946% | 3,365 |
| Net interest margin | 4.2836% | 909 |
| Noninterest income to average assets | 0.2050% | 5,488 |
| Noninterest expense to average assets | 3.7790% | 903 |
| Loan and lease loss provision to assets | 1.0458% | 73 |
| Net operating income to assets | -0.3303% | 6,197 |
| Return on assets (ROA) | -0.3303% | 6,211 |
| Pretax return on assets | -0.7459% | 6,278 |
| Return on Equity (ROE) | -2.5820% | 6,201 |
| Retained earnings to average equity (ytd only) | -2.5820% | 5,755 |
| Net charge-offs to loans | 0.3168% | 753 |
| Credit loss provision to net charge-offs | 447.9675% | 600 |
| Earnings coverage of net charge-offs (x) | 1.2846% | 2,942 |
| Efficiency ratio | 92.6477% | 673 |
| Assets per employee ($millions) | 3.3320% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,962 |
| Loan loss allowance to noncurrent loans | 79.7619% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.6821% | 1,498 |
| Noncurrent loans to loans | 2.0352% | 1,283 |
| Net loans and leases to total assets | 72.3553% | 1,751 |
| Net loans and leases to deposits | 92.0334% | 1,186 |
| Net loans and leases to core deposits | 95.6862% | 1,637 |
| Total domestic deposits to total assets | 78.6185% | 5,336 |
| Equity capital to assets | 12.6160% | 1,620 |
| Core capital (leverage) ratio | 12.6594% | 1,285 |
| Tier 1 risk-based capital ratio | 19.3256% | 1,785 |
| Total risk-based capital ratio | 20.5830% | 1,738 |
| Memoranda: | ||
| Average total assets | $210,744,000 | 2,904 |
| Average earning assets | $190,589,000 | 2,939 |
| Average equity | $26,956,000 | 2,586 |
| Average total loans | $155,318,500 | 2,549 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 1,103 |
| Cost of funding earning assets | 0.4142% | 3,554 |
| Net interest margin | 4.3919% | 899 |
| Noninterest income to average assets | 0.4143% | 4,084 |
| Noninterest expense to average assets | 3.5641% | 1,370 |
| Loan and lease loss provision to assets | 0.2606% | 857 |
| Net operating income to assets | 0.4778% | 4,895 |
| Return on assets (ROA) | 0.6011% | 4,454 |
| Pretax return on assets | 0.7324% | 4,501 |
| Return on Equity (ROE) | 4.7676% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.7676% | 2,782 |
| Net charge-offs to loans | 0.4196% | 1,013 |
| Credit loss provision to net charge-offs | 86.4865% | 2,722 |
| Earnings coverage of net charge-offs (x) | 2.7965% | 4,060 |
| Efficiency ratio | 80.8804% | 1,789 |
| Assets per employee ($millions) | 3.4707% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 3,060 |
| Loan loss allowance to noncurrent loans | 75.3469% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6582% | 1,620 |
| Noncurrent loans to loans | 1.8277% | 1,565 |
| Net loans and leases to total assets | 72.8375% | 1,786 |
| Net loans and leases to deposits | 93.8457% | 1,088 |
| Net loans and leases to core deposits | 97.9023% | 1,558 |
| Total domestic deposits to total assets | 77.6141% | 5,502 |
| Equity capital to assets | 12.9699% | 1,387 |
| Core capital (leverage) ratio | 12.5031% | 1,353 |
| Tier 1 risk-based capital ratio | 19.6906% | 1,662 |
| Total risk-based capital ratio | 20.1350% | 1,843 |
| Memoranda: | ||
| Average total assets | $208,776,200 | 2,889 |
| Average earning assets | $189,782,200 | 2,906 |
| Average equity | $26,323,400 | 2,543 |
| Average total loans | $149,913,800 | 2,568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,070 |
| Cost of funding earning assets | 0.4160% | 3,625 |
| Net interest margin | 4.4073% | 875 |
| Noninterest income to average assets | 0.5087% | 3,492 |
| Noninterest expense to average assets | 3.5983% | 1,300 |
| Loan and lease loss provision to assets | 0.2036% | 1,155 |
| Net operating income to assets | 0.5610% | 4,627 |
| Return on assets (ROA) | 0.7174% | 3,954 |
| Pretax return on assets | 0.9165% | 3,921 |
| Return on Equity (ROE) | 5.7305% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.7305% | 2,585 |
| Net charge-offs to loans | 0.1647% | 2,151 |
| Credit loss provision to net charge-offs | 173.3696% | 1,433 |
| Earnings coverage of net charge-offs (x) | 7.8315% | 2,889 |
| Efficiency ratio | 79.6440% | 1,968 |
| Assets per employee ($millions) | 3.6443% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 2,514 |
| Loan loss allowance to noncurrent loans | 82.7318% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 1,473 |
| Noncurrent loans to loans | 1.8696% | 1,708 |
| Net loans and leases to total assets | 71.6427% | 1,917 |
| Net loans and leases to deposits | 92.2171% | 1,205 |
| Net loans and leases to core deposits | 96.1605% | 1,665 |
| Total domestic deposits to total assets | 77.6891% | 5,585 |
| Equity capital to assets | 12.9220% | 1,468 |
| Core capital (leverage) ratio | 12.4708% | 1,415 |
| Tier 1 risk-based capital ratio | 19.5426% | 1,773 |
| Total risk-based capital ratio | 20.7984% | 1,740 |
| Memoranda: | ||
| Average total assets | $208,909,500 | 2,911 |
| Average earning assets | $190,041,500 | 2,933 |
| Average equity | $26,152,000 | 2,561 |
| Average total loans | $148,943,000 | 2,592 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,013 |
| Cost of funding earning assets | 0.4146% | 3,708 |
| Net interest margin | 4.4214% | 816 |
| Noninterest income to average assets | 0.5217% | 3,328 |
| Noninterest expense to average assets | 3.6425% | 1,222 |
| Loan and lease loss provision to assets | 0.0898% | 2,531 |
| Net operating income to assets | 0.6375% | 4,164 |
| Return on assets (ROA) | 0.7702% | 3,568 |
| Pretax return on assets | 0.9842% | 3,539 |
| Return on Equity (ROE) | 6.2187% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.2187% | 2,201 |
| Net charge-offs to loans | 0.0769% | 2,921 |
| Credit loss provision to net charge-offs | 164.9123% | 1,366 |
| Earnings coverage of net charge-offs (x) | 16.5965% | 1,783 |
| Efficiency ratio | 80.1177% | 2,006 |
| Assets per employee ($millions) | 3.5997% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 2,964 |
| Loan loss allowance to noncurrent loans | 71.4742% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 1,424 |
| Noncurrent loans to loans | 2.0815% | 1,608 |
| Net loans and leases to total assets | 71.0427% | 1,916 |
| Net loans and leases to deposits | 91.2044% | 1,250 |
| Net loans and leases to core deposits | 95.0612% | 1,681 |
| Total domestic deposits to total assets | 77.8940% | 5,654 |
| Equity capital to assets | 12.7038% | 1,538 |
| Core capital (leverage) ratio | 12.2526% | 1,523 |
| Tier 1 risk-based capital ratio | 19.7534% | 1,745 |
| Total risk-based capital ratio | 21.0095% | 1,708 |
| Memoranda: | ||
| Average total assets | $209,304,670 | 2,923 |
| Average earning assets | $190,527,000 | 2,944 |
| Average equity | $25,922,000 | 2,572 |
| Average total loans | $148,205,000 | 2,603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 878 |
| Cost of funding earning assets | 0.4214% | 3,745 |
| Net interest margin | 4.4743% | 692 |
| Noninterest income to average assets | 0.4944% | 3,457 |
| Noninterest expense to average assets | 3.7258% | 1,092 |
| Loan and lease loss provision to assets | -0.1069% | 6,501 |
| Net operating income to assets | 0.7072% | 3,649 |
| Return on assets (ROA) | 0.9601% | 2,428 |
| Pretax return on assets | 1.2903% | 2,127 |
| Return on Equity (ROE) | 7.8528% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.8528% | 1,655 |
| Net charge-offs to loans | -0.1170% | 6,181 |
| Credit loss provision to net charge-offs | 130.2326% | 1,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5712% | 1,982 |
| Assets per employee ($millions) | 3.6846% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 3,265 |
| Loan loss allowance to noncurrent loans | 98.9160% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 1,866 |
| Noncurrent loans to loans | 1.4909% | 2,551 |
| Net loans and leases to total assets | 69.6616% | 1,954 |
| Net loans and leases to deposits | 89.1289% | 1,236 |
| Net loans and leases to core deposits | 92.9901% | 1,641 |
| Total domestic deposits to total assets | 78.1582% | 5,807 |
| Equity capital to assets | 12.3876% | 1,633 |
| Core capital (leverage) ratio | 12.0352% | 1,636 |
| Tier 1 risk-based capital ratio | 19.2497% | 1,893 |
| Total risk-based capital ratio | 20.5045% | 1,860 |
| Memoranda: | ||
| Average total assets | $209,567,000 | 2,939 |
| Average earning assets | $190,777,500 | 2,962 |
| Average equity | $25,621,500 | 2,586 |
| Average total loans | $147,026,000 | 2,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,533 |
| Cost of funding earning assets | 0.4634% | 3,985 |
| Net interest margin | 4.2505% | 1,218 |
| Noninterest income to average assets | 0.5697% | 3,273 |
| Noninterest expense to average assets | 3.6284% | 1,402 |
| Loan and lease loss provision to assets | 0.3142% | 1,058 |
| Net operating income to assets | 0.3273% | 5,425 |
| Return on assets (ROA) | 0.3862% | 5,300 |
| Pretax return on assets | 0.5658% | 4,988 |
| Return on Equity (ROE) | 3.1432% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.1432% | 4,001 |
| Net charge-offs to loans | 0.2912% | 2,233 |
| Credit loss provision to net charge-offs | 164.1944% | 1,387 |
| Earnings coverage of net charge-offs (x) | 4.1458% | 3,660 |
| Efficiency ratio | 82.0567% | 1,868 |
| Assets per employee ($millions) | 3.5442% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,125 |
| Loan loss allowance to noncurrent loans | 66.6768% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.3112% | 1,520 |
| Noncurrent loans to loans | 2.2699% | 1,703 |
| Net loans and leases to total assets | 68.5539% | 2,249 |
| Net loans and leases to deposits | 87.2444% | 1,548 |
| Net loans and leases to core deposits | 90.9883% | 1,907 |
| Total domestic deposits to total assets | 78.5768% | 5,726 |
| Equity capital to assets | 12.0635% | 1,762 |
| Core capital (leverage) ratio | 11.8637% | 1,706 |
| Tier 1 risk-based capital ratio | 19.0739% | 1,897 |
| Total risk-based capital ratio | 20.3289% | 1,853 |
| Memoranda: | ||
| Average total assets | $204,304,800 | 2,981 |
| Average earning assets | $185,154,000 | 3,021 |
| Average equity | $25,101,800 | 2,618 |
| Average total loans | $134,272,000 | 2,788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 1,637 |
| Cost of funding earning assets | 0.4715% | 4,052 |
| Net interest margin | 4.2128% | 1,295 |
| Noninterest income to average assets | 0.5692% | 3,341 |
| Noninterest expense to average assets | 3.6965% | 1,251 |
| Loan and lease loss provision to assets | 0.3197% | 1,048 |
| Net operating income to assets | 0.2224% | 5,861 |
| Return on assets (ROA) | 0.2967% | 5,743 |
| Pretax return on assets | 0.4818% | 5,410 |
| Return on Equity (ROE) | 2.4038% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.4038% | 4,891 |
| Net charge-offs to loans | 0.3185% | 1,949 |
| Credit loss provision to net charge-offs | 155.0955% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.3248% | 3,739 |
| Efficiency ratio | 84.3596% | 1,556 |
| Assets per employee ($millions) | 3.3297% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,256 |
| Loan loss allowance to noncurrent loans | 62.4816% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.4721% | 1,561 |
| Noncurrent loans to loans | 2.4723% | 1,759 |
| Net loans and leases to total assets | 66.6824% | 2,526 |
| Net loans and leases to deposits | 85.3976% | 1,693 |
| Net loans and leases to core deposits | 89.3473% | 2,037 |
| Total domestic deposits to total assets | 78.0847% | 5,885 |
| Equity capital to assets | 12.2584% | 1,741 |
| Core capital (leverage) ratio | 12.0434% | 1,648 |
| Tier 1 risk-based capital ratio | 19.6804% | 1,817 |
| Total risk-based capital ratio | 20.9357% | 1,775 |
| Memoranda: | ||
| Average total assets | $203,103,500 | 3,023 |
| Average earning assets | $183,816,000 | 3,057 |
| Average equity | $25,070,750 | 2,649 |
| Average total loans | $131,451,000 | 2,845 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,699 |
| Cost of funding earning assets | 0.4783% | 4,118 |
| Net interest margin | 4.1731% | 1,351 |
| Noninterest income to average assets | 0.5347% | 3,604 |
| Noninterest expense to average assets | 3.8178% | 1,068 |
| Loan and lease loss provision to assets | 0.3259% | 1,062 |
| Net operating income to assets | 0.1851% | 5,944 |
| Return on assets (ROA) | 0.3584% | 5,550 |
| Pretax return on assets | 0.3447% | 5,762 |
| Return on Equity (ROE) | 2.8971% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.8971% | 4,468 |
| Net charge-offs to loans | 0.2117% | 2,496 |
| Credit loss provision to net charge-offs | 241.6058% | 1,045 |
| Earnings coverage of net charge-offs (x) | 3.6861% | 3,335 |
| Efficiency ratio | 88.4756% | 1,175 |
| Assets per employee ($millions) | 3.2567% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,174 |
| Loan loss allowance to noncurrent loans | 73.5183% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2891% | 1,892 |
| Noncurrent loans to loans | 2.1677% | 2,217 |
| Net loans and leases to total assets | 65.6291% | 2,654 |
| Net loans and leases to deposits | 82.5150% | 1,991 |
| Net loans and leases to core deposits | 86.5608% | 2,284 |
| Total domestic deposits to total assets | 79.5359% | 5,708 |
| Equity capital to assets | 12.3062% | 1,700 |
| Core capital (leverage) ratio | 12.0516% | 1,585 |
| Tier 1 risk-based capital ratio | 20.0396% | 1,710 |
| Total risk-based capital ratio | 21.2952% | 1,676 |
| Memoranda: | ||
| Average total assets | $203,101,670 | 3,036 |
| Average earning assets | $183,990,000 | 3,061 |
| Average equity | $25,128,330 | 2,656 |
| Average total loans | $129,413,670 | 2,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,766 |
| Cost of funding earning assets | 0.5092% | 3,985 |
| Net interest margin | 4.1129% | 1,422 |
| Noninterest income to average assets | 0.5243% | 3,611 |
| Noninterest expense to average assets | 4.2357% | 676 |
| Loan and lease loss provision to assets | 0.2965% | 1,178 |
| Net operating income to assets | -0.1591% | 6,489 |
| Return on assets (ROA) | 0.1866% | 6,045 |
| Pretax return on assets | 0.0648% | 6,313 |
| Return on Equity (ROE) | 1.5038% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.5038% | 5,233 |
| Net charge-offs to loans | 0.3439% | 1,616 |
| Credit loss provision to net charge-offs | 138.5321% | 1,446 |
| Earnings coverage of net charge-offs (x) | 0.0734% | 3,797 |
| Efficiency ratio | 99.6305% | 558 |
| Assets per employee ($millions) | 3.4405% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,553 |
| Loan loss allowance to noncurrent loans | 91.3382% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 2.0873% | 2,249 |
| Noncurrent loans to loans | 1.7126% | 2,978 |
| Net loans and leases to total assets | 61.7853% | 3,108 |
| Net loans and leases to deposits | 76.8253% | 2,507 |
| Net loans and leases to core deposits | 80.0897% | 2,796 |
| Total domestic deposits to total assets | 80.4232% | 5,663 |
| Equity capital to assets | 12.4011% | 1,773 |
| Core capital (leverage) ratio | 12.0281% | 1,546 |
| Tier 1 risk-based capital ratio | 20.9644% | 1,546 |
| Total risk-based capital ratio | 22.1067% | 1,543 |
| Memoranda: | ||
| Average total assets | $203,695,000 | 3,057 |
| Average earning assets | $184,590,000 | 3,087 |
| Average equity | $25,268,500 | 2,681 |
| Average total loans | $126,790,000 | 2,951 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 1,915 |
| Cost of funding earning assets | 0.7199% | 3,328 |
| Net interest margin | 4.1587% | 1,781 |
| Noninterest income to average assets | 0.9140% | 1,821 |
| Noninterest expense to average assets | 3.4574% | 1,931 |
| Loan and lease loss provision to assets | 0.6141% | 889 |
| Net operating income to assets | 0.5195% | 4,602 |
| Return on assets (ROA) | 0.4221% | 5,263 |
| Pretax return on assets | 0.4904% | 5,308 |
| Return on Equity (ROE) | 3.3978% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.3978% | 3,838 |
| Net charge-offs to loans | 0.7834% | 1,491 |
| Credit loss provision to net charge-offs | 127.5648% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.5295% | 4,153 |
| Efficiency ratio | 73.9516% | 3,078 |
| Assets per employee ($millions) | 3.3508% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,536 |
| Loan loss allowance to noncurrent loans | 71.6067% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 1,918 |
| Noncurrent loans to loans | 2.1606% | 2,509 |
| Net loans and leases to total assets | 60.7715% | 3,464 |
| Net loans and leases to deposits | 75.4582% | 2,885 |
| Net loans and leases to core deposits | 79.5625% | 3,069 |
| Total domestic deposits to total assets | 80.5367% | 5,534 |
| Equity capital to assets | 12.4090% | 1,776 |
| Core capital (leverage) ratio | 11.9667% | 1,583 |
| Tier 1 risk-based capital ratio | 21.1826% | 1,423 |
| Total risk-based capital ratio | 22.4377% | 1,394 |
| Memoranda: | ||
| Average total assets | $200,440,400 | 3,035 |
| Average earning assets | $181,284,600 | 3,069 |
| Average equity | $24,898,600 | 2,664 |
| Average total loans | $123,188,200 | 3,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 1,956 |
| Cost of funding earning assets | 0.7580% | 3,288 |
| Net interest margin | 4.1566% | 1,878 |
| Noninterest income to average assets | 0.8757% | 1,924 |
| Noninterest expense to average assets | 3.4634% | 1,852 |
| Loan and lease loss provision to assets | 0.4211% | 1,516 |
| Net operating income to assets | 0.6049% | 4,373 |
| Return on assets (ROA) | 0.4994% | 5,110 |
| Pretax return on assets | 0.6184% | 5,110 |
| Return on Equity (ROE) | 4.0189% | 5,288 |
| Retained earnings to average equity (ytd only) | 4.0189% | 4,061 |
| Net charge-offs to loans | 0.6479% | 1,690 |
| Credit loss provision to net charge-offs | 105.8824% | 2,776 |
| Earnings coverage of net charge-offs (x) | 2.9412% | 3,847 |
| Efficiency ratio | 74.7511% | 2,868 |
| Assets per employee ($millions) | 3.2190% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 4,462 |
| Loan loss allowance to noncurrent loans | 63.2488% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.5804% | 2,046 |
| Noncurrent loans to loans | 2.1815% | 2,644 |
| Net loans and leases to total assets | 60.6575% | 3,643 |
| Net loans and leases to deposits | 74.8652% | 3,164 |
| Net loans and leases to core deposits | 79.0722% | 3,315 |
| Total domestic deposits to total assets | 81.0223% | 5,348 |
| Equity capital to assets | 12.4958% | 1,891 |
| Core capital (leverage) ratio | 12.0138% | 1,648 |
| Tier 1 risk-based capital ratio | 21.2167% | 1,474 |
| Total risk-based capital ratio | 22.4692% | 1,441 |
| Memoranda: | ||
| Average total assets | $199,450,500 | 3,083 |
| Average earning assets | $180,301,000 | 3,116 |
| Average equity | $24,782,250 | 2,705 |
| Average total loans | $122,443,000 | 3,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 1,751 |
| Cost of funding earning assets | 0.7869% | 3,305 |
| Net interest margin | 4.2267% | 1,678 |
| Noninterest income to average assets | 0.7835% | 2,274 |
| Noninterest expense to average assets | 3.5153% | 1,752 |
| Loan and lease loss provision to assets | 0.4064% | 1,612 |
| Net operating income to assets | 0.5841% | 4,432 |
| Return on assets (ROA) | 0.4185% | 5,380 |
| Pretax return on assets | 0.4881% | 5,476 |
| Return on Equity (ROE) | 3.3745% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.3745% | 4,362 |
| Net charge-offs to loans | 0.9583% | 1,155 |
| Credit loss provision to net charge-offs | 69.1252% | 3,584 |
| Earnings coverage of net charge-offs (x) | 1.8491% | 4,049 |
| Efficiency ratio | 76.3804% | 2,687 |
| Assets per employee ($millions) | 3.1841% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,117 |
| Loan loss allowance to noncurrent loans | 126.2364% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 2,911 |
| Noncurrent loans to loans | 0.9911% | 4,521 |
| Net loans and leases to total assets | 59.2542% | 3,949 |
| Net loans and leases to deposits | 73.2043% | 3,426 |
| Net loans and leases to core deposits | 77.5131% | 3,588 |
| Total domestic deposits to total assets | 80.9437% | 5,485 |
| Equity capital to assets | 12.4307% | 1,858 |
| Core capital (leverage) ratio | 11.9934% | 1,600 |
| Tier 1 risk-based capital ratio | 22.2065% | 1,253 |
| Total risk-based capital ratio | 23.4582% | 1,231 |
| Memoranda: | ||
| Average total assets | $198,335,330 | 3,101 |
| Average earning assets | $179,192,670 | 3,144 |
| Average equity | $24,596,000 | 2,708 |
| Average total loans | $121,680,000 | 3,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 1,441 |
| Cost of funding earning assets | 0.8177% | 3,328 |
| Net interest margin | 4.3288% | 1,381 |
| Noninterest income to average assets | 0.6633% | 2,848 |
| Noninterest expense to average assets | 3.3772% | 2,067 |
| Loan and lease loss provision to assets | 0.3083% | 2,040 |
| Net operating income to assets | 0.6836% | 3,964 |
| Return on assets (ROA) | 0.6836% | 4,180 |
| Pretax return on assets | 0.8864% | 4,081 |
| Return on Equity (ROE) | 5.5187% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.5187% | 3,245 |
| Net charge-offs to loans | 0.4447% | 1,980 |
| Credit loss provision to net charge-offs | 111.7647% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.3309% | 2,595 |
| Efficiency ratio | 73.8687% | 3,116 |
| Assets per employee ($millions) | 3.3022% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 4,609 |
| Loan loss allowance to noncurrent loans | 111.5410% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 2,634 |
| Noncurrent loans to loans | 1.2564% | 4,235 |
| Net loans and leases to total assets | 59.4126% | 3,792 |
| Net loans and leases to deposits | 73.1444% | 3,255 |
| Net loans and leases to core deposits | 77.4221% | 3,407 |
| Total domestic deposits to total assets | 81.2264% | 5,539 |
| Equity capital to assets | 12.1207% | 1,959 |
| Core capital (leverage) ratio | 11.7803% | 1,720 |
| Tier 1 risk-based capital ratio | 21.1103% | 1,471 |
| Total risk-based capital ratio | 22.3585% | 1,439 |
| Memoranda: | ||
| Average total assets | $197,203,000 | 3,145 |
| Average earning assets | $178,065,000 | 3,174 |
| Average equity | $24,426,000 | 2,724 |
| Average total loans | $122,335,000 | 3,097 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,604 |
| Cost of funding earning assets | 0.9984% | 3,395 |
| Net interest margin | 4.0622% | 2,593 |
| Noninterest income to average assets | 0.8523% | 1,834 |
| Noninterest expense to average assets | 3.4008% | 2,239 |
| Loan and lease loss provision to assets | 0.2309% | 3,891 |
| Net operating income to assets | 0.6570% | 3,707 |
| Return on assets (ROA) | 0.6570% | 3,898 |
| Pretax return on assets | 0.8863% | 3,653 |
| Return on Equity (ROE) | 5.3631% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,398 |
| Net charge-offs to loans | 0.3993% | 3,419 |
| Credit loss provision to net charge-offs | 86.9822% | 4,148 |
| Earnings coverage of net charge-offs (x) | 4.2091% | 3,219 |
| Efficiency ratio | 74.1947% | 3,198 |
| Assets per employee ($millions) | 3.3855% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,609 |
| Loan loss allowance to noncurrent loans | 69.9005% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.7926% | 2,168 |
| Noncurrent loans to loans | 1.9563% | 3,264 |
| Net loans and leases to total assets | 63.0173% | 3,398 |
| Net loans and leases to deposits | 77.9297% | 2,854 |
| Net loans and leases to core deposits | 81.7317% | 3,223 |
| Total domestic deposits to total assets | 80.8643% | 5,489 |
| Equity capital to assets | 12.6634% | 1,686 |
| Core capital (leverage) ratio | 12.3089% | 1,431 |
| Tier 1 risk-based capital ratio | 20.4146% | 1,541 |
| Total risk-based capital ratio | 21.6667% | 1,513 |
| Memoranda: | ||
| Average total assets | $191,016,200 | 3,173 |
| Average earning assets | $172,368,800 | 3,193 |
| Average equity | $23,400,600 | 2,736 |
| Average total loans | $126,978,400 | 3,038 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 2,564 |
| Cost of funding earning assets | 1.0416% | 3,377 |
| Net interest margin | 4.0678% | 2,611 |
| Noninterest income to average assets | 0.8545% | 1,822 |
| Noninterest expense to average assets | 3.4192% | 2,144 |
| Loan and lease loss provision to assets | 0.2022% | 3,999 |
| Net operating income to assets | 0.6676% | 3,785 |
| Return on assets (ROA) | 0.6676% | 3,956 |
| Pretax return on assets | 0.9034% | 3,748 |
| Return on Equity (ROE) | 5.4965% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4965% | 2,864 |
| Net charge-offs to loans | 0.3638% | 3,268 |
| Credit loss provision to net charge-offs | 82.8080% | 4,046 |
| Earnings coverage of net charge-offs (x) | 4.5272% | 3,038 |
| Efficiency ratio | 74.4819% | 3,087 |
| Assets per employee ($millions) | 3.3826% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,866 |
| Loan loss allowance to noncurrent loans | 53.7826% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8628% | 2,264 |
| Noncurrent loans to loans | 2.4743% | 2,801 |
| Net loans and leases to total assets | 66.2283% | 2,850 |
| Net loans and leases to deposits | 82.1191% | 2,335 |
| Net loans and leases to core deposits | 85.9334% | 2,777 |
| Total domestic deposits to total assets | 80.6491% | 5,548 |
| Equity capital to assets | 12.7278% | 1,768 |
| Core capital (leverage) ratio | 12.3265% | 1,524 |
| Tier 1 risk-based capital ratio | 19.9090% | 1,707 |
| Total risk-based capital ratio | 21.1588% | 1,682 |
| Memoranda: | ||
| Average total assets | $190,526,750 | 3,197 |
| Average earning assets | $171,916,250 | 3,219 |
| Average equity | $23,141,500 | 2,766 |
| Average total loans | $127,899,750 | 3,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 2,447 |
| Cost of funding earning assets | 1.0748% | 3,429 |
| Net interest margin | 4.0783% | 2,498 |
| Noninterest income to average assets | 0.8392% | 1,841 |
| Noninterest expense to average assets | 3.4763% | 2,049 |
| Loan and lease loss provision to assets | 0.1928% | 3,996 |
| Net operating income to assets | 0.6307% | 3,909 |
| Return on assets (ROA) | 0.6307% | 4,031 |
| Pretax return on assets | 0.8476% | 3,843 |
| Return on Equity (ROE) | 5.2764% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.2764% | 2,822 |
| Net charge-offs to loans | 0.4058% | 2,929 |
| Credit loss provision to net charge-offs | 70.7692% | 4,043 |
| Earnings coverage of net charge-offs (x) | 3.8192% | 3,044 |
| Efficiency ratio | 75.8757% | 3,038 |
| Assets per employee ($millions) | 3.4277% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,978 |
| Loan loss allowance to noncurrent loans | 72.8181% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4267% | 2,731 |
| Noncurrent loans to loans | 1.8099% | 3,738 |
| Net loans and leases to total assets | 66.6051% | 2,910 |
| Net loans and leases to deposits | 82.1581% | 2,427 |
| Net loans and leases to core deposits | 86.0161% | 2,903 |
| Total domestic deposits to total assets | 81.0695% | 5,502 |
| Equity capital to assets | 12.4047% | 1,840 |
| Core capital (leverage) ratio | 12.1614% | 1,523 |
| Tier 1 risk-based capital ratio | 19.5661% | 1,700 |
| Total risk-based capital ratio | 20.8181% | 1,674 |
| Memoranda: | ||
| Average total assets | $190,893,000 | 3,213 |
| Average earning assets | $172,131,670 | 3,239 |
| Average equity | $22,818,670 | 2,780 |
| Average total loans | $128,150,670 | 3,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1357% | 2,492 |
| Cost of funding earning assets | 1.0848% | 3,622 |
| Net interest margin | 4.0508% | 2,470 |
| Noninterest income to average assets | 0.7872% | 2,082 |
| Noninterest expense to average assets | 3.3945% | 2,296 |
| Loan and lease loss provision to assets | 0.2374% | 3,291 |
| Net operating income to assets | 0.5914% | 4,078 |
| Return on assets (ROA) | 0.5914% | 4,147 |
| Pretax return on assets | 0.8101% | 3,868 |
| Return on Equity (ROE) | 5.0410% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.0410% | 3,163 |
| Net charge-offs to loans | 0.3359% | 2,715 |
| Credit loss provision to net charge-offs | 105.5556% | 2,522 |
| Earnings coverage of net charge-offs (x) | 4.6574% | 2,424 |
| Efficiency ratio | 75.2930% | 3,281 |
| Assets per employee ($millions) | 3.3806% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 4,854 |
| Loan loss allowance to noncurrent loans | 94.9757% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 3,065 |
| Noncurrent loans to loans | 1.4318% | 4,322 |
| Net loans and leases to total assets | 67.3581% | 2,684 |
| Net loans and leases to deposits | 82.8492% | 2,206 |
| Net loans and leases to core deposits | 84.6139% | 3,084 |
| Total domestic deposits to total assets | 81.3021% | 5,571 |
| Equity capital to assets | 12.0561% | 1,885 |
| Core capital (leverage) ratio | 11.8540% | 1,648 |
| Tier 1 risk-based capital ratio | 18.8578% | 1,845 |
| Total risk-based capital ratio | 20.1102% | 1,806 |
| Memoranda: | ||
| Average total assets | $192,076,500 | 3,221 |
| Average earning assets | $173,297,500 | 3,251 |
| Average equity | $22,535,000 | 2,799 |
| Average total loans | $128,603,500 | 3,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 2,759 |
| Cost of funding earning assets | 1.3458% | 3,603 |
| Net interest margin | 4.0367% | 2,855 |
| Noninterest income to average assets | 0.8777% | 1,933 |
| Noninterest expense to average assets | 3.2658% | 2,851 |
| Loan and lease loss provision to assets | 0.2830% | 4,541 |
| Net operating income to assets | 0.7121% | 3,186 |
| Return on assets (ROA) | 0.7121% | 3,317 |
| Pretax return on assets | 0.9692% | 3,032 |
| Return on Equity (ROE) | 6.1484% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.1484% | 1,748 |
| Net charge-offs to loans | 0.4137% | 3,973 |
| Credit loss provision to net charge-offs | 99.4424% | 4,652 |
| Earnings coverage of net charge-offs (x) | 4.3996% | 2,937 |
| Efficiency ratio | 71.0539% | 3,984 |
| Assets per employee ($millions) | 3.5425% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 4,660 |
| Loan loss allowance to noncurrent loans | 67.1522% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.4733% | 2,796 |
| Noncurrent loans to loans | 2.0394% | 3,499 |
| Net loans and leases to total assets | 64.7605% | 3,720 |
| Net loans and leases to deposits | 82.4806% | 2,718 |
| Net loans and leases to core deposits | 83.1848% | 3,724 |
| Total domestic deposits to total assets | 78.5160% | 6,212 |
| Equity capital to assets | 11.4177% | 2,333 |
| Core capital (leverage) ratio | 11.3285% | 1,935 |
| Tier 1 risk-based capital ratio | 17.8834% | 2,034 |
| Total risk-based capital ratio | 19.1169% | 2,005 |
| Memoranda: | ||
| Average total assets | $189,019,000 | 3,242 |
| Average earning assets | $170,460,200 | 3,271 |
| Average equity | $21,892,000 | 2,892 |
| Average total loans | $130,039,000 | 3,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,734 |
| Cost of funding earning assets | 1.3851% | 3,666 |
| Net interest margin | 4.0465% | 2,876 |
| Noninterest income to average assets | 0.8296% | 2,086 |
| Noninterest expense to average assets | 3.2706% | 2,670 |
| Loan and lease loss provision to assets | 0.2723% | 4,408 |
| Net operating income to assets | 0.6973% | 3,424 |
| Return on assets (ROA) | 0.6973% | 3,584 |
| Pretax return on assets | 0.9333% | 3,436 |
| Return on Equity (ROE) | 5.9989% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.9989% | 2,353 |
| Net charge-offs to loans | 0.3993% | 3,688 |
| Credit loss provision to net charge-offs | 97.9540% | 4,439 |
| Earnings coverage of net charge-offs (x) | 4.3376% | 3,092 |
| Efficiency ratio | 71.8120% | 3,737 |
| Assets per employee ($millions) | 3.4133% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,781 |
| Loan loss allowance to noncurrent loans | 78.2706% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.2977% | 3,082 |
| Noncurrent loans to loans | 1.7048% | 4,082 |
| Net loans and leases to total assets | 67.5808% | 3,315 |
| Net loans and leases to deposits | 87.0859% | 2,139 |
| Net loans and leases to core deposits | 88.8310% | 3,259 |
| Total domestic deposits to total assets | 77.6025% | 6,344 |
| Equity capital to assets | 11.7449% | 2,325 |
| Core capital (leverage) ratio | 11.4261% | 1,984 |
| Tier 1 risk-based capital ratio | 17.6035% | 2,138 |
| Total risk-based capital ratio | 18.8533% | 2,112 |
| Memoranda: | ||
| Average total assets | $187,564,250 | 3,308 |
| Average earning assets | $169,029,250 | 3,341 |
| Average equity | $21,803,500 | 2,945 |
| Average total loans | $130,566,250 | 3,162 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 2,712 |
| Cost of funding earning assets | 1.4134% | 3,792 |
| Net interest margin | 4.0448% | 2,818 |
| Noninterest income to average assets | 0.8006% | 2,110 |
| Noninterest expense to average assets | 3.2763% | 2,642 |
| Loan and lease loss provision to assets | 0.2490% | 4,435 |
| Net operating income to assets | 0.6782% | 3,493 |
| Return on assets (ROA) | 0.6782% | 3,639 |
| Pretax return on assets | 0.9207% | 3,413 |
| Return on Equity (ROE) | 5.8551% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.8551% | 2,415 |
| Net charge-offs to loans | 0.4308% | 3,269 |
| Credit loss provision to net charge-offs | 82.5623% | 4,639 |
| Earnings coverage of net charge-offs (x) | 3.8790% | 3,143 |
| Efficiency ratio | 72.4113% | 3,754 |
| Assets per employee ($millions) | 3.5148% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,967 |
| Loan loss allowance to noncurrent loans | 49.2925% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.6344% | 2,740 |
| Noncurrent loans to loans | 2.6239% | 3,015 |
| Net loans and leases to total assets | 68.6381% | 3,208 |
| Net loans and leases to deposits | 88.1760% | 2,146 |
| Net loans and leases to core deposits | 92.2215% | 2,955 |
| Total domestic deposits to total assets | 77.8421% | 6,303 |
| Equity capital to assets | 11.5239% | 2,422 |
| Core capital (leverage) ratio | 11.3815% | 1,984 |
| Tier 1 risk-based capital ratio | 17.0753% | 2,250 |
| Total risk-based capital ratio | 18.3263% | 2,202 |
| Memoranda: | ||
| Average total assets | $186,370,330 | 3,358 |
| Average earning assets | $167,967,670 | 3,376 |
| Average equity | $21,588,000 | 2,965 |
| Average total loans | $130,446,670 | 3,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 2,309 |
| Cost of funding earning assets | 1.4681% | 3,750 |
| Net interest margin | 4.0961% | 2,454 |
| Noninterest income to average assets | 0.8491% | 1,820 |
| Noninterest expense to average assets | 3.2839% | 2,581 |
| Loan and lease loss provision to assets | 0.1733% | 4,785 |
| Net operating income to assets | 0.7452% | 3,234 |
| Return on assets (ROA) | 0.7452% | 3,338 |
| Pretax return on assets | 1.0788% | 2,805 |
| Return on Equity (ROE) | 6.4161% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.4161% | 2,401 |
| Net charge-offs to loans | 0.3270% | 3,100 |
| Credit loss provision to net charge-offs | 75.4717% | 3,989 |
| Earnings coverage of net charge-offs (x) | 5.4528% | 2,396 |
| Efficiency ratio | 71.1079% | 4,102 |
| Assets per employee ($millions) | 3.6416% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,823 |
| Loan loss allowance to noncurrent loans | 76.4368% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 2.1268% | 3,349 |
| Noncurrent loans to loans | 1.7271% | 4,151 |
| Net loans and leases to total assets | 69.5879% | 3,039 |
| Net loans and leases to deposits | 90.0188% | 1,895 |
| Net loans and leases to core deposits | 91.6862% | 3,144 |
| Total domestic deposits to total assets | 77.3037% | 6,492 |
| Equity capital to assets | 11.6104% | 2,287 |
| Core capital (leverage) ratio | 11.4220% | 1,956 |
| Tier 1 risk-based capital ratio | 17.6878% | 2,025 |
| Total risk-based capital ratio | 18.9395% | 2,003 |
| Memoranda: | ||
| Average total assets | $184,657,000 | 3,436 |
| Average earning assets | $166,206,000 | 3,461 |
| Average equity | $21,446,000 | 3,012 |
| Average total loans | $129,680,000 | 3,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 2,827 |
| Cost of funding earning assets | 1.9896% | 3,006 |
| Net interest margin | 3.7686% | 3,839 |
| Noninterest income to average assets | 0.8704% | 2,074 |
| Noninterest expense to average assets | 3.5652% | 2,232 |
| Loan and lease loss provision to assets | 0.3706% | 4,565 |
| Net operating income to assets | 0.2626% | 4,671 |
| Return on assets (ROA) | 0.3004% | 4,612 |
| Pretax return on assets | 0.3307% | 4,684 |
| Return on Equity (ROE) | 2.5958% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.5958% | 3,325 |
| Net charge-offs to loans | 0.4939% | 3,794 |
| Credit loss provision to net charge-offs | 101.2270% | 5,451 |
| Earnings coverage of net charge-offs (x) | 1.8021% | 4,371 |
| Efficiency ratio | 82.8814% | 2,492 |
| Assets per employee ($millions) | 3.4640% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 4,403 |
| Loan loss allowance to noncurrent loans | 48.1349% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.7550% | 2,535 |
| Noncurrent loans to loans | 2.8398% | 2,712 |
| Net loans and leases to total assets | 68.9769% | 3,498 |
| Net loans and leases to deposits | 86.8876% | 2,757 |
| Net loans and leases to core deposits | 93.2457% | 4,752 |
| Total domestic deposits to total assets | 79.3864% | 5,881 |
| Equity capital to assets | 11.6176% | 2,237 |
| Core capital (leverage) ratio | 11.3396% | 2,012 |
| Tier 1 risk-based capital ratio | 17.6499% | 1,985 |
| Total risk-based capital ratio | 18.8751% | 1,951 |
| Memoranda: | ||
| Average total assets | $178,084,200 | 3,471 |
| Average earning assets | $158,521,400 | 3,546 |
| Average equity | $20,610,600 | 3,123 |
| Average total loans | $132,006,400 | 3,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 2,960 |
| Cost of funding earning assets | 2.0763% | 3,005 |
| Net interest margin | 3.7081% | 4,030 |
| Noninterest income to average assets | 0.8760% | 2,079 |
| Noninterest expense to average assets | 3.6783% | 1,873 |
| Loan and lease loss provision to assets | 0.4074% | 3,881 |
| Net operating income to assets | 0.1268% | 5,384 |
| Return on assets (ROA) | 0.1826% | 5,282 |
| Pretax return on assets | 0.1381% | 5,444 |
| Return on Equity (ROE) | 1.5793% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.5793% | 4,430 |
| Net charge-offs to loans | 0.5487% | 3,038 |
| Credit loss provision to net charge-offs | 98.7203% | 5,182 |
| Earnings coverage of net charge-offs (x) | 1.1865% | 4,878 |
| Efficiency ratio | 86.6944% | 1,997 |
| Assets per employee ($millions) | 3.3035% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,423 |
| Loan loss allowance to noncurrent loans | 35.6484% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 3.0276% | 2,291 |
| Noncurrent loans to loans | 3.6812% | 2,028 |
| Net loans and leases to total assets | 73.3518% | 2,699 |
| Net loans and leases to deposits | 92.6603% | 2,120 |
| Net loans and leases to core deposits | 100.5950% | 4,307 |
| Total domestic deposits to total assets | 79.1621% | 5,746 |
| Equity capital to assets | 11.6957% | 2,438 |
| Core capital (leverage) ratio | 11.5290% | 2,062 |
| Tier 1 risk-based capital ratio | 16.1406% | 2,584 |
| Total risk-based capital ratio | 17.2965% | 2,545 |
| Memoranda: | ||
| Average total assets | $176,707,250 | 3,511 |
| Average earning assets | $156,880,000 | 3,604 |
| Average equity | $20,431,000 | 3,176 |
| Average total loans | $132,910,250 | 3,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 2,756 |
| Cost of funding earning assets | 2.1827% | 2,870 |
| Net interest margin | 3.6787% | 4,051 |
| Noninterest income to average assets | 0.9333% | 1,826 |
| Noninterest expense to average assets | 3.9172% | 1,452 |
| Loan and lease loss provision to assets | 0.4769% | 3,140 |
| Net operating income to assets | -0.0342% | 5,902 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | -0.1658% | 6,081 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.6526% | 2,404 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 0.5230% | 5,183 |
| Efficiency ratio | 92.2491% | 1,621 |
| Assets per employee ($millions) | 3.4765% | 4,874 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,223 |
| Loan loss allowance to noncurrent loans | 54.2410% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.8630% | 3,383 |
| Noncurrent loans to loans | 2.4120% | 2,999 |
| Net loans and leases to total assets | 72.3148% | 3,133 |
| Net loans and leases to deposits | 90.8497% | 2,684 |
| Net loans and leases to core deposits | 99.4576% | 4,561 |
| Total domestic deposits to total assets | 79.5983% | 5,591 |
| Equity capital to assets | 11.3243% | 2,655 |
| Core capital (leverage) ratio | 11.1951% | 2,262 |
| Tier 1 risk-based capital ratio | 18.8057% | 1,816 |
| Total risk-based capital ratio | 20.0369% | 1,775 |
| Memoranda: | ||
| Average total assets | $176,146,000 | 3,538 |
| Average earning assets | $155,219,330 | 3,647 |
| Average equity | $20,286,670 | 3,198 |
| Average total loans | $133,016,000 | 3,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9916% | 2,397 |
| Cost of funding earning assets | 2.2147% | 3,095 |
| Net interest margin | 3.7769% | 3,549 |
| Noninterest income to average assets | 0.8744% | 1,965 |
| Noninterest expense to average assets | 4.3468% | 818 |
| Loan and lease loss provision to assets | 0.6903% | 1,827 |
| Net operating income to assets | -0.3822% | 6,766 |
| Return on assets (ROA) | -0.3130% | 6,773 |
| Pretax return on assets | -0.6719% | 6,953 |
| Return on Equity (ROE) | -2.6939% | 6,742 |
| Retained earnings to average equity (ytd only) | -2.6939% | 6,218 |
| Net charge-offs to loans | 1.2694% | 1,106 |
| Credit loss provision to net charge-offs | 70.9220% | 4,338 |
| Earnings coverage of net charge-offs (x) | -0.0922% | 5,067 |
| Efficiency ratio | 100.4865% | 1,112 |
| Assets per employee ($millions) | 3.4556% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 4,734 |
| Loan loss allowance to noncurrent loans | 115.7520% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 4,904 |
| Noncurrent loans to loans | 1.0458% | 4,892 |
| Net loans and leases to total assets | 75.2002% | 2,458 |
| Net loans and leases to deposits | 94.9892% | 2,110 |
| Net loans and leases to core deposits | 102.0569% | 4,339 |
| Total domestic deposits to total assets | 79.1670% | 5,659 |
| Equity capital to assets | 11.4642% | 2,612 |
| Core capital (leverage) ratio | 11.3857% | 2,217 |
| Tier 1 risk-based capital ratio | 20.1987% | 1,583 |
| Total risk-based capital ratio | 21.4532% | 1,538 |
| Memoranda: | ||
| Average total assets | $173,829,500 | 3,593 |
| Average earning assets | $155,685,000 | 3,654 |
| Average equity | $20,194,000 | 3,233 |
| Average total loans | $133,292,500 | 3,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 4,762 |
| Cost of funding earning assets | 2.6265% | 3,549 |
| Net interest margin | 3.5264% | 5,204 |
| Noninterest income to average assets | 0.7244% | 2,945 |
| Noninterest expense to average assets | 2.9870% | 4,122 |
| Loan and lease loss provision to assets | 0.2090% | 4,805 |
| Net operating income to assets | 0.5487% | 4,535 |
| Return on assets (ROA) | 0.5700% | 4,302 |
| Pretax return on assets | 0.7639% | 4,200 |
| Return on Equity (ROE) | 4.9335% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.9335% | 2,068 |
| Net charge-offs to loans | 0.0845% | 5,555 |
| Credit loss provision to net charge-offs | 330.2752% | 1,370 |
| Earnings coverage of net charge-offs (x) | 14.9266% | 1,985 |
| Efficiency ratio | 74.4131% | 3,503 |
| Assets per employee ($millions) | 3.3613% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 3,655 |
| Loan loss allowance to noncurrent loans | 75.3342% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 3,301 |
| Noncurrent loans to loans | 1.7511% | 3,137 |
| Net loans and leases to total assets | 76.2349% | 2,559 |
| Net loans and leases to deposits | 98.2631% | 2,087 |
| Net loans and leases to core deposits | 104.9047% | 4,312 |
| Total domestic deposits to total assets | 77.5825% | 5,846 |
| Equity capital to assets | 11.7743% | 2,452 |
| Core capital (leverage) ratio | 11.7332% | 2,108 |
| Tier 1 risk-based capital ratio | 19.8588% | 1,645 |
| Total risk-based capital ratio | 20.9930% | 1,617 |
| Memoranda: | ||
| Average total assets | $172,279,600 | 3,512 |
| Average earning assets | $156,673,800 | 3,538 |
| Average equity | $19,904,600 | 3,243 |
| Average total loans | $129,035,600 | 3,287 |