Home > Sewickley Savings Bank > Performance and Condition Ratios
Sewickley Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 3,249 |
| Cost of funding earning assets | 2.4854% | 887 |
| Net interest margin | 2.4303% | 4,081 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 1.4255% | 4,257 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.7592% | 2,949 |
| Return on assets (ROA) | 0.7592% | 2,952 |
| Pretax return on assets | 0.8766% | 3,017 |
| Return on Equity (ROE) | 3.2200% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.2154% | 3,038 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.8392% | 2,853 |
| Assets per employee ($millions) | 13.8457% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,347 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 15.6000% | 4,314 |
| Net loans and leases to deposits | 22.2884% | 4,313 |
| Net loans and leases to core deposits | 25.9914% | 4,289 |
| Total domestic deposits to total assets | 70.0100% | 4,192 |
| Equity capital to assets | 23.0820% | 225 |
| Core capital (leverage) ratio | 26.5612% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.6659% | 91 |
| Memoranda: | ||
| Average total assets | $292,951,500 | 2,510 |
| Average earning assets | $268,608,000 | 2,525 |
| Average equity | $69,167,000 | 1,368 |
| Average total loans | $47,149,500 | 3,858 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 3,243 |
| Cost of funding earning assets | 2.5895% | 983 |
| Net interest margin | 2.3199% | 4,064 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.5383% | 4,227 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.6805% | 3,026 |
| Return on assets (ROA) | 0.7028% | 2,998 |
| Pretax return on assets | 0.7889% | 3,080 |
| Return on Equity (ROE) | 2.9000% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.9040% | 3,083 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.1283% | 2,356 |
| Assets per employee ($millions) | 11.2542% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 3,469 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 16.3000% | 4,331 |
| Net loans and leases to deposits | 21.8573% | 4,336 |
| Net loans and leases to core deposits | 25.1835% | 4,310 |
| Total domestic deposits to total assets | 74.5700% | 4,028 |
| Equity capital to assets | 24.1982% | 205 |
| Core capital (leverage) ratio | 27.0294% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.2372% | 94 |
| Memoranda: | ||
| Average total assets | $283,567,600 | 2,537 |
| Average earning assets | $260,009,400 | 2,548 |
| Average equity | $68,628,800 | 1,339 |
| Average total loans | $47,481,000 | 3,857 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 3,241 |
| Cost of funding earning assets | 2.5447% | 1,080 |
| Net interest margin | 2.3300% | 4,054 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 1.4318% | 4,307 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.7817% | 2,752 |
| Return on assets (ROA) | 0.7842% | 2,759 |
| Pretax return on assets | 0.8987% | 2,802 |
| Return on Equity (ROE) | 3.2400% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.2399% | 3,090 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.7236% | 2,967 |
| Assets per employee ($millions) | 11.8761% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,407 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 16.2600% | 4,367 |
| Net loans and leases to deposits | 22.0765% | 4,367 |
| Net loans and leases to core deposits | 25.4626% | 4,343 |
| Total domestic deposits to total assets | 73.6700% | 4,074 |
| Equity capital to assets | 25.1138% | 184 |
| Core capital (leverage) ratio | 27.5144% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.9984% | 84 |
| Memoranda: | ||
| Average total assets | $284,120,500 | 2,530 |
| Average earning assets | $260,826,500 | 2,536 |
| Average equity | $68,765,250 | 1,330 |
| Average total loans | $47,776,250 | 3,858 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 3,146 |
| Cost of funding earning assets | 2.4858% | 1,108 |
| Net interest margin | 2.3951% | 3,999 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.4545% | 4,303 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 0.8371% | 2,509 |
| Return on assets (ROA) | 0.8463% | 2,486 |
| Pretax return on assets | 0.9725% | 2,559 |
| Return on Equity (ROE) | 3.5400% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.5414% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.3862% | 3,174 |
| Assets per employee ($millions) | 11.7020% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 16.5900% | 4,384 |
| Net loans and leases to deposits | 22.2421% | 4,384 |
| Net loans and leases to core deposits | 25.7249% | 4,357 |
| Total domestic deposits to total assets | 74.6100% | 4,011 |
| Equity capital to assets | 24.0829% | 200 |
| Core capital (leverage) ratio | 26.0103% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0756% | 86 |
| Memoranda: | ||
| Average total assets | $283,818,333 | 2,529 |
| Average earning assets | $260,201,000 | 2,540 |
| Average equity | $67,826,667 | 1,334 |
| Average total loans | $48,099,000 | 3,859 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 3,228 |
| Cost of funding earning assets | 2.3975% | 1,174 |
| Net interest margin | 2.3593% | 4,051 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.3922% | 4,363 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7682% | 2,637 |
| Return on assets (ROA) | 0.7767% | 2,625 |
| Pretax return on assets | 0.8889% | 2,694 |
| Return on Equity (ROE) | 3.2600% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.2626% | 2,907 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.1453% | 3,136 |
| Assets per employee ($millions) | 11.9144% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,392 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 16.7000% | 4,404 |
| Net loans and leases to deposits | 22.6708% | 4,392 |
| Net loans and leases to core deposits | 25.5900% | 4,422 |
| Total domestic deposits to total assets | 73.6800% | 4,154 |
| Equity capital to assets | 23.6584% | 203 |
| Core capital (leverage) ratio | 26.8315% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.4292% | 89 |
| Memoranda: | ||
| Average total assets | $285,304,000 | 2,532 |
| Average earning assets | $261,769,500 | 2,534 |
| Average equity | $67,922,000 | 1,331 |
| Average total loans | $48,617,500 | 3,872 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 4,154 |
| Cost of funding earning assets | 1.6379% | 1,598 |
| Net interest margin | 2.1882% | 4,326 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | -0.6399% | 4,566 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.6602% | 214 |
| Return on assets (ROA) | -6.9006% | 4,598 |
| Pretax return on assets | -6.9400% | 4,597 |
| Return on Equity (ROE) | -29.5000% | 4,562 |
| Retained earnings to average equity (ytd only) | -29.4966% | 4,544 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | -30.0985% | 4,611 |
| Assets per employee ($millions) | 13.5554% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 17.0500% | 4,422 |
| Net loans and leases to deposits | 23.2734% | 4,410 |
| Net loans and leases to core deposits | 26.0509% | 4,430 |
| Total domestic deposits to total assets | 73.2600% | 4,150 |
| Equity capital to assets | 24.0825% | 207 |
| Core capital (leverage) ratio | 26.9629% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.4246% | 81 |
| Memoranda: | ||
| Average total assets | $286,455,000 | 2,489 |
| Average earning assets | $263,317,400 | 2,505 |
| Average equity | $67,014,600 | 1,294 |
| Average total loans | $48,096,000 | 3,868 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,386 |
| Cost of funding earning assets | 1.4602% | 1,707 |
| Net interest margin | 2.0363% | 4,429 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.1446% | 4,495 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8091% | 3,000 |
| Return on assets (ROA) | 0.2593% | 4,170 |
| Pretax return on assets | 0.2268% | 4,225 |
| Return on Equity (ROE) | 1.1200% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.1166% | 3,924 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.6006% | 3,257 |
| Assets per employee ($millions) | 14.0729% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 3,556 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 17.4700% | 4,444 |
| Net loans and leases to deposits | 23.3328% | 4,435 |
| Net loans and leases to core deposits | 25.8557% | 4,418 |
| Total domestic deposits to total assets | 74.8700% | 4,097 |
| Equity capital to assets | 22.5555% | 225 |
| Core capital (leverage) ratio | 33.8611% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.6302% | 80 |
| Memoranda: | ||
| Average total assets | $286,903,000 | 2,490 |
| Average earning assets | $263,800,250 | 2,501 |
| Average equity | $66,629,750 | 1,289 |
| Average total loans | $47,869,750 | 3,881 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 4,400 |
| Cost of funding earning assets | 1.2354% | 1,891 |
| Net interest margin | 2.2009% | 4,426 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.0973% | 4,538 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8430% | 2,947 |
| Return on assets (ROA) | 0.8430% | 2,958 |
| Pretax return on assets | 0.9601% | 3,018 |
| Return on Equity (ROE) | 3.6000% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.5964% | 3,318 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.0968% | 3,846 |
| Assets per employee ($millions) | 14.3813% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 3,774 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 17.5200% | 4,472 |
| Net loans and leases to deposits | 23.7272% | 4,455 |
| Net loans and leases to core deposits | 26.5039% | 4,438 |
| Total domestic deposits to total assets | 73.8200% | 4,208 |
| Equity capital to assets | 23.7351% | 206 |
| Core capital (leverage) ratio | 33.6864% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.5891% | 73 |
| Memoranda: | ||
| Average total assets | $288,718,333 | 2,489 |
| Average earning assets | $265,981,667 | 2,494 |
| Average equity | $67,678,333 | 1,268 |
| Average total loans | $47,279,667 | 3,897 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 4,343 |
| Cost of funding earning assets | 1.0418% | 1,909 |
| Net interest margin | 2.3897% | 4,388 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.1007% | 4,600 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9818% | 2,587 |
| Return on assets (ROA) | 0.9818% | 2,560 |
| Pretax return on assets | 1.1519% | 2,554 |
| Return on Equity (ROE) | 4.2100% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.2147% | 3,208 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6932% | 4,105 |
| Assets per employee ($millions) | 14.6360% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 16.0900% | 4,546 |
| Net loans and leases to deposits | 21.3815% | 4,530 |
| Net loans and leases to core deposits | 24.0762% | 4,508 |
| Total domestic deposits to total assets | 75.2400% | 4,205 |
| Equity capital to assets | 23.8553% | 169 |
| Core capital (leverage) ratio | 33.8657% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.5290% | 78 |
| Memoranda: | ||
| Average total assets | $289,265,000 | 2,518 |
| Average earning assets | $266,472,500 | 2,524 |
| Average equity | $67,383,500 | 1,282 |
| Average total loans | $45,500,500 | 3,971 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6165% | 4,454 |
| Cost of funding earning assets | 0.5652% | 1,041 |
| Net interest margin | 2.0512% | 4,541 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.0608% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9953% | 2,582 |
| Return on assets (ROA) | 0.2500% | 4,390 |
| Pretax return on assets | 0.2092% | 4,439 |
| Return on Equity (ROE) | 1.0000% | 4,487 |
| Retained earnings to average equity (ytd only) | 1.0025% | 4,198 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.6403% | 3,923 |
| Assets per employee ($millions) | 14.2906% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 14.9500% | 4,584 |
| Net loans and leases to deposits | 19.5469% | 4,570 |
| Net loans and leases to core deposits | 21.6866% | 4,555 |
| Total domestic deposits to total assets | 76.4600% | 4,226 |
| Equity capital to assets | 22.7206% | 179 |
| Core capital (leverage) ratio | 33.6223% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.0348% | 80 |
| Memoranda: | ||
| Average total assets | $298,817,400 | 2,456 |
| Average earning assets | $278,465,800 | 2,450 |
| Average equity | $74,513,000 | 1,192 |
| Average total loans | $46,907,000 | 3,947 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4498% | 4,471 |
| Cost of funding earning assets | 0.5264% | 655 |
| Net interest margin | 1.9234% | 4,575 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.0143% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8700% | 3,003 |
| Return on assets (ROA) | 0.4158% | 4,157 |
| Pretax return on assets | 0.4229% | 4,243 |
| Return on Equity (ROE) | 1.6300% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.6331% | 4,109 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.3674% | 3,881 |
| Assets per employee ($millions) | 14.3574% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8554% | 659 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 15.1400% | 4,621 |
| Net loans and leases to deposits | 19.5860% | 4,611 |
| Net loans and leases to core deposits | 21.6096% | 4,597 |
| Total domestic deposits to total assets | 77.3100% | 4,303 |
| Equity capital to assets | 21.8891% | 179 |
| Core capital (leverage) ratio | 32.0301% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.0276% | 80 |
| Memoranda: | ||
| Average total assets | $302,069,000 | 2,459 |
| Average earning assets | $282,411,000 | 2,448 |
| Average equity | $76,906,750 | 1,181 |
| Average total loans | $47,749,000 | 3,952 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2802% | 4,532 |
| Cost of funding earning assets | 0.5030% | 509 |
| Net interest margin | 1.7772% | 4,633 |
| Noninterest income to average assets | 0.1016% | 4,476 |
| Noninterest expense to average assets | 1.0038% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6841% | 3,364 |
| Return on assets (ROA) | 0.6852% | 3,311 |
| Pretax return on assets | 0.7699% | 3,405 |
| Return on Equity (ROE) | 2.5787% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.5787% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6336% | 3,711 |
| Assets per employee ($millions) | 15.0071% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 15.5383% | 4,682 |
| Net loans and leases to deposits | 20.6843% | 4,669 |
| Net loans and leases to core deposits | 22.8245% | 4,659 |
| Total domestic deposits to total assets | 75.1211% | 4,499 |
| Equity capital to assets | 24.0773% | 104 |
| Core capital (leverage) ratio | 30.8502% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.5417% | 44 |
| Memoranda: | ||
| Average total assets | $307,042,667 | 2,450 |
| Average earning assets | $288,658,000 | 2,438 |
| Average equity | $81,591,000 | 1,140 |
| Average total loans | $48,897,333 | 3,976 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1206% | 4,570 |
| Cost of funding earning assets | 0.4893% | 522 |
| Net interest margin | 1.6313% | 4,663 |
| Noninterest income to average assets | 0.0966% | 4,522 |
| Noninterest expense to average assets | 1.0087% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5501% | 3,557 |
| Return on assets (ROA) | 0.5501% | 3,533 |
| Pretax return on assets | 0.6300% | 3,551 |
| Return on Equity (ROE) | 1.9802% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.9802% | 3,546 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5566% | 3,317 |
| Assets per employee ($millions) | 15.2891% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,545 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 15.6520% | 4,704 |
| Net loans and leases to deposits | 21.5238% | 4,685 |
| Net loans and leases to core deposits | 23.7990% | 4,668 |
| Total domestic deposits to total assets | 72.7195% | 4,605 |
| Equity capital to assets | 26.4744% | 76 |
| Core capital (leverage) ratio | 29.7377% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.9899% | 45 |
| Memoranda: | ||
| Average total assets | $310,493,000 | 2,446 |
| Average earning assets | $293,505,500 | 2,426 |
| Average equity | $86,253,500 | 1,129 |
| Average total loans | $49,616,500 | 3,978 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1950% | 4,626 |
| Cost of funding earning assets | 0.6274% | 477 |
| Net interest margin | 1.5676% | 4,717 |
| Noninterest income to average assets | 0.3897% | 3,104 |
| Noninterest expense to average assets | 1.0342% | 4,753 |
| Loan and lease loss provision to assets | 0.0085% | 2,909 |
| Net operating income to assets | 0.7945% | 3,350 |
| Return on assets (ROA) | 0.7756% | 3,473 |
| Pretax return on assets | 0.8182% | 3,685 |
| Return on Equity (ROE) | 2.6667% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.6667% | 3,775 |
| Net charge-offs to loans | 0.0457% | 1,371 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 99.2963% | 887 |
| Efficiency ratio | 54.9866% | 3,823 |
| Assets per employee ($millions) | 15.0097% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 1,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 3,653 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 15.7600% | 4,755 |
| Net loans and leases to deposits | 22.4525% | 4,721 |
| Net loans and leases to core deposits | 24.6035% | 4,712 |
| Total domestic deposits to total assets | 70.1923% | 4,679 |
| Equity capital to assets | 29.0456% | 65 |
| Core capital (leverage) ratio | 29.4631% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.0444% | 45 |
| Memoranda: | ||
| Average total assets | $316,673,600 | 2,353 |
| Average earning assets | $301,226,600 | 2,327 |
| Average equity | $92,098,000 | 1,080 |
| Average total loans | $59,030,400 | 3,830 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2457% | 4,696 |
| Cost of funding earning assets | 0.6609% | 470 |
| Net interest margin | 1.5848% | 4,792 |
| Noninterest income to average assets | 0.4874% | 2,679 |
| Noninterest expense to average assets | 0.9731% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9563% | 3,061 |
| Return on assets (ROA) | 0.9298% | 3,227 |
| Pretax return on assets | 0.9937% | 3,479 |
| Return on Equity (ROE) | 3.1961% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.1961% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7774% | 4,313 |
| Assets per employee ($millions) | 15.8207% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 18.0318% | 4,810 |
| Net loans and leases to deposits | 25.7582% | 4,772 |
| Net loans and leases to core deposits | 28.3091% | 4,753 |
| Total domestic deposits to total assets | 70.0041% | 4,733 |
| Equity capital to assets | 29.2655% | 71 |
| Core capital (leverage) ratio | 29.0867% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.1274% | 48 |
| Memoranda: | ||
| Average total assets | $317,041,000 | 2,381 |
| Average earning assets | $301,600,500 | 2,351 |
| Average equity | $92,234,250 | 1,094 |
| Average total loans | $61,157,000 | 3,849 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3292% | 4,709 |
| Cost of funding earning assets | 0.7101% | 443 |
| Net interest margin | 1.6191% | 4,827 |
| Noninterest income to average assets | 0.6840% | 1,872 |
| Noninterest expense to average assets | 0.9778% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1694% | 2,299 |
| Return on assets (ROA) | 1.1303% | 2,502 |
| Pretax return on assets | 1.2041% | 2,900 |
| Return on Equity (ROE) | 3.8931% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,553 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9750% | 4,618 |
| Assets per employee ($millions) | 14.4852% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 18.6726% | 4,841 |
| Net loans and leases to deposits | 26.6702% | 4,801 |
| Net loans and leases to core deposits | 29.3731% | 4,785 |
| Total domestic deposits to total assets | 70.0130% | 4,756 |
| Equity capital to assets | 29.2238% | 67 |
| Core capital (leverage) ratio | 29.2689% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.6831% | 50 |
| Memoranda: | ||
| Average total assets | $317,250,333 | 2,373 |
| Average earning assets | $301,644,333 | 2,335 |
| Average equity | $92,112,333 | 1,089 |
| Average total loans | $62,241,667 | 3,857 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4433% | 4,693 |
| Cost of funding earning assets | 0.7985% | 348 |
| Net interest margin | 1.6448% | 4,854 |
| Noninterest income to average assets | 0.1024% | 4,674 |
| Noninterest expense to average assets | 0.9831% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6390% | 3,840 |
| Return on assets (ROA) | 0.5927% | 4,022 |
| Pretax return on assets | 0.6318% | 4,143 |
| Return on Equity (ROE) | 2.0479% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.0479% | 3,998 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0737% | 3,152 |
| Assets per employee ($millions) | 14.2919% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 19.7661% | 4,861 |
| Net loans and leases to deposits | 27.8798% | 4,818 |
| Net loans and leases to core deposits | 30.5894% | 4,804 |
| Total domestic deposits to total assets | 70.8977% | 4,747 |
| Equity capital to assets | 28.3081% | 71 |
| Core capital (leverage) ratio | 28.5214% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.6150% | 52 |
| Memoranda: | ||
| Average total assets | $316,538,000 | 2,361 |
| Average earning assets | $300,577,000 | 2,323 |
| Average equity | $91,604,000 | 1,089 |
| Average total loans | $63,186,000 | 3,864 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2771% | 4,883 |
| Cost of funding earning assets | 1.0549% | 484 |
| Net interest margin | 1.2222% | 4,943 |
| Noninterest income to average assets | 0.1013% | 4,742 |
| Noninterest expense to average assets | 0.9820% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3003% | 4,429 |
| Return on assets (ROA) | 0.3051% | 4,496 |
| Pretax return on assets | 0.2870% | 4,563 |
| Return on Equity (ROE) | 1.0357% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.0357% | 4,216 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6721% | 1,063 |
| Assets per employee ($millions) | 14.4843% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 19.6222% | 4,885 |
| Net loans and leases to deposits | 28.2994% | 4,853 |
| Net loans and leases to core deposits | 30.9304% | 4,839 |
| Total domestic deposits to total assets | 69.3379% | 4,789 |
| Equity capital to assets | 29.5622% | 67 |
| Core capital (leverage) ratio | 28.5203% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.5113% | 46 |
| Memoranda: | ||
| Average total assets | $315,974,400 | 2,207 |
| Average earning assets | $300,683,200 | 2,173 |
| Average equity | $93,075,800 | 1,028 |
| Average total loans | $61,455,000 | 3,891 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3340% | 4,930 |
| Cost of funding earning assets | 1.1052% | 529 |
| Net interest margin | 1.2288% | 4,987 |
| Noninterest income to average assets | 0.1015% | 4,758 |
| Noninterest expense to average assets | 0.9290% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3438% | 4,371 |
| Return on assets (ROA) | 0.3429% | 4,430 |
| Pretax return on assets | 0.3408% | 4,504 |
| Return on Equity (ROE) | 1.1653% | 4,680 |
| Retained earnings to average equity (ytd only) | 1.1653% | 4,195 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1115% | 1,508 |
| Assets per employee ($millions) | 14.4119% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 18.6591% | 4,940 |
| Net loans and leases to deposits | 26.9424% | 4,911 |
| Net loans and leases to core deposits | 29.3137% | 4,905 |
| Total domestic deposits to total assets | 69.2555% | 4,783 |
| Equity capital to assets | 29.6497% | 64 |
| Core capital (leverage) ratio | 28.5119% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.3246% | 49 |
| Memoranda: | ||
| Average total assets | $315,304,500 | 2,194 |
| Average earning assets | $300,023,750 | 2,151 |
| Average equity | $92,794,500 | 1,017 |
| Average total loans | $60,975,000 | 3,919 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4848% | 4,964 |
| Cost of funding earning assets | 1.1636% | 580 |
| Net interest margin | 1.3212% | 5,024 |
| Noninterest income to average assets | 0.1010% | 4,778 |
| Noninterest expense to average assets | 0.9265% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4180% | 4,196 |
| Return on assets (ROA) | 0.3934% | 4,303 |
| Pretax return on assets | 0.4061% | 4,401 |
| Return on Equity (ROE) | 1.3400% | 4,644 |
| Retained earnings to average equity (ytd only) | 1.3400% | 3,992 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2265% | 2,206 |
| Assets per employee ($millions) | 14.3778% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 1,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 18.5981% | 4,971 |
| Net loans and leases to deposits | 26.8561% | 4,947 |
| Net loans and leases to core deposits | 28.9421% | 4,942 |
| Total domestic deposits to total assets | 69.2509% | 4,812 |
| Equity capital to assets | 29.6675% | 64 |
| Core capital (leverage) ratio | 28.7155% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.2809% | 44 |
| Memoranda: | ||
| Average total assets | $314,718,667 | 2,177 |
| Average earning assets | $299,423,667 | 2,131 |
| Average equity | $92,390,000 | 1,013 |
| Average total loans | $61,297,000 | 3,917 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7422% | 5,010 |
| Cost of funding earning assets | 1.2191% | 720 |
| Net interest margin | 1.5232% | 5,074 |
| Noninterest income to average assets | 0.1045% | 4,808 |
| Noninterest expense to average assets | 0.9416% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5729% | 3,679 |
| Return on assets (ROA) | 0.5046% | 3,941 |
| Pretax return on assets | 0.5390% | 4,057 |
| Return on Equity (ROE) | 1.7281% | 4,504 |
| Retained earnings to average equity (ytd only) | 1.7281% | 3,538 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6235% | 3,660 |
| Assets per employee ($millions) | 14.2442% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 19.4545% | 5,013 |
| Net loans and leases to deposits | 27.8984% | 4,992 |
| Net loans and leases to core deposits | 30.1205% | 4,985 |
| Total domestic deposits to total assets | 69.7334% | 4,861 |
| Equity capital to assets | 29.2853% | 72 |
| Core capital (leverage) ratio | 29.7540% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.8540% | 48 |
| Memoranda: | ||
| Average total assets | $313,922,000 | 2,135 |
| Average earning assets | $298,591,500 | 2,089 |
| Average equity | $91,664,000 | 1,018 |
| Average total loans | $62,107,500 | 3,922 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9132% | 5,076 |
| Cost of funding earning assets | 1.2472% | 905 |
| Net interest margin | 1.6661% | 5,126 |
| Noninterest income to average assets | 0.1032% | 4,917 |
| Noninterest expense to average assets | 0.9983% | 5,119 |
| Loan and lease loss provision to assets | 0.0094% | 3,819 |
| Net operating income to assets | 0.6062% | 4,136 |
| Return on assets (ROA) | 0.6566% | 4,070 |
| Pretax return on assets | 0.7362% | 4,121 |
| Return on Equity (ROE) | 2.3248% | 4,766 |
| Retained earnings to average equity (ytd only) | 2.3248% | 3,862 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1646% | 3,817 |
| Assets per employee ($millions) | 14.2942% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 19.5738% | 5,081 |
| Net loans and leases to deposits | 28.0247% | 5,049 |
| Net loans and leases to core deposits | 30.2682% | 5,045 |
| Total domestic deposits to total assets | 69.8447% | 4,943 |
| Equity capital to assets | 29.1142% | 79 |
| Core capital (leverage) ratio | 29.0457% | 76 |
| Tier 1 risk-based capital ratio | 63.7966% | 86 |
| Total risk-based capital ratio | 64.3881% | 85 |
| Memoranda: | ||
| Average total assets | $317,848,200 | 2,055 |
| Average earning assets | $302,209,000 | 2,008 |
| Average equity | $89,770,800 | 978 |
| Average total loans | $61,389,200 | 3,957 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9284% | 5,162 |
| Cost of funding earning assets | 1.2369% | 941 |
| Net interest margin | 1.6915% | 5,211 |
| Noninterest income to average assets | 0.1033% | 4,976 |
| Noninterest expense to average assets | 0.9371% | 5,206 |
| Loan and lease loss provision to assets | 0.0126% | 3,650 |
| Net operating income to assets | 0.6641% | 4,122 |
| Return on assets (ROA) | 0.7355% | 3,962 |
| Pretax return on assets | 0.8438% | 4,030 |
| Return on Equity (ROE) | 2.6241% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.6241% | 4,038 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7543% | 4,308 |
| Assets per employee ($millions) | 15.2008% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 1,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 19.1184% | 5,163 |
| Net loans and leases to deposits | 27.1718% | 5,141 |
| Net loans and leases to core deposits | 29.2966% | 5,137 |
| Total domestic deposits to total assets | 70.3611% | 4,979 |
| Equity capital to assets | 28.6333% | 82 |
| Core capital (leverage) ratio | 28.6578% | 75 |
| Tier 1 risk-based capital ratio | 66.0547% | 78 |
| Total risk-based capital ratio | 66.6684% | 79 |
| Memoranda: | ||
| Average total assets | $318,692,250 | 2,056 |
| Average earning assets | $303,004,250 | 2,018 |
| Average equity | $89,324,500 | 982 |
| Average total loans | $61,136,000 | 4,004 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 5,221 |
| Cost of funding earning assets | 1.2066% | 972 |
| Net interest margin | 1.7319% | 5,265 |
| Noninterest income to average assets | 0.0973% | 5,049 |
| Noninterest expense to average assets | 0.9387% | 5,258 |
| Loan and lease loss provision to assets | 0.0188% | 3,412 |
| Net operating income to assets | 0.6780% | 4,075 |
| Return on assets (ROA) | 0.7736% | 3,805 |
| Pretax return on assets | 0.8967% | 3,856 |
| Return on Equity (ROE) | 2.7800% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.7800% | 3,818 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8545% | 4,490 |
| Assets per employee ($millions) | 15.2582% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 1,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 19.5214% | 5,209 |
| Net loans and leases to deposits | 27.5405% | 5,189 |
| Net loans and leases to core deposits | 29.7338% | 5,180 |
| Total domestic deposits to total assets | 70.8828% | 5,016 |
| Equity capital to assets | 28.1853% | 86 |
| Core capital (leverage) ratio | 28.3697% | 81 |
| Tier 1 risk-based capital ratio | 62.1099% | 87 |
| Total risk-based capital ratio | 62.6937% | 88 |
| Memoranda: | ||
| Average total assets | $318,517,670 | 2,058 |
| Average earning assets | $302,668,670 | 2,020 |
| Average equity | $88,632,000 | 982 |
| Average total loans | $60,889,000 | 4,033 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8943% | 5,297 |
| Cost of funding earning assets | 1.1540% | 1,034 |
| Net interest margin | 1.7403% | 5,334 |
| Noninterest income to average assets | 0.0970% | 5,089 |
| Noninterest expense to average assets | 0.9497% | 5,324 |
| Loan and lease loss provision to assets | 0.0378% | 2,868 |
| Net operating income to assets | 0.6448% | 4,108 |
| Return on assets (ROA) | 0.8162% | 3,602 |
| Pretax return on assets | 0.9661% | 3,563 |
| Return on Equity (ROE) | 2.9524% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.9524% | 3,751 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2837% | 4,508 |
| Assets per employee ($millions) | 15.2182% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 18.7056% | 5,271 |
| Net loans and leases to deposits | 26.1947% | 5,250 |
| Net loans and leases to core deposits | 28.2973% | 5,242 |
| Total domestic deposits to total assets | 71.4099% | 5,064 |
| Equity capital to assets | 27.6792% | 85 |
| Core capital (leverage) ratio | 28.0953% | 82 |
| Tier 1 risk-based capital ratio | 61.8447% | 84 |
| Total risk-based capital ratio | 62.4382% | 85 |
| Memoranda: | ||
| Average total assets | $317,565,500 | 2,078 |
| Average earning assets | $301,559,000 | 2,040 |
| Average equity | $87,792,000 | 987 |
| Average total loans | $59,634,000 | 4,098 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7045% | 5,314 |
| Cost of funding earning assets | 0.9826% | 808 |
| Net interest margin | 1.7218% | 5,363 |
| Noninterest income to average assets | 0.0988% | 5,153 |
| Noninterest expense to average assets | 0.9899% | 5,354 |
| Loan and lease loss provision to assets | 0.0210% | 3,739 |
| Net operating income to assets | 0.6447% | 4,300 |
| Return on assets (ROA) | 0.6478% | 4,297 |
| Pretax return on assets | 0.7265% | 4,348 |
| Return on Equity (ROE) | 2.3539% | 4,998 |
| Retained earnings to average equity (ytd only) | 2.3539% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0877% | 4,273 |
| Assets per employee ($millions) | 15.0261% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 18.3243% | 5,319 |
| Net loans and leases to deposits | 25.6151% | 5,296 |
| Net loans and leases to core deposits | 27.6315% | 5,289 |
| Total domestic deposits to total assets | 71.5371% | 5,100 |
| Equity capital to assets | 27.6110% | 83 |
| Core capital (leverage) ratio | 27.9819% | 80 |
| Tier 1 risk-based capital ratio | 61.4703% | 88 |
| Total risk-based capital ratio | 62.0489% | 88 |
| Memoranda: | ||
| Average total assets | $313,674,800 | 2,070 |
| Average earning assets | $297,877,400 | 2,030 |
| Average equity | $86,323,200 | 969 |
| Average total loans | $55,286,600 | 4,201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6371% | 5,393 |
| Cost of funding earning assets | 0.9498% | 751 |
| Net interest margin | 1.6873% | 5,436 |
| Noninterest income to average assets | 0.0971% | 5,222 |
| Noninterest expense to average assets | 0.9284% | 5,434 |
| Loan and lease loss provision to assets | 0.0140% | 3,722 |
| Net operating income to assets | 0.6656% | 4,334 |
| Return on assets (ROA) | 0.6675% | 4,341 |
| Pretax return on assets | 0.7599% | 4,400 |
| Return on Equity (ROE) | 2.4275% | 5,078 |
| Retained earnings to average equity (ytd only) | 2.4275% | 4,427 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6069% | 4,550 |
| Assets per employee ($millions) | 14.8648% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 18.3691% | 5,393 |
| Net loans and leases to deposits | 25.6744% | 5,373 |
| Net loans and leases to core deposits | 27.6764% | 5,368 |
| Total domestic deposits to total assets | 71.5463% | 5,160 |
| Equity capital to assets | 27.6406% | 83 |
| Core capital (leverage) ratio | 27.8552% | 81 |
| Tier 1 risk-based capital ratio | 61.4734% | 84 |
| Total risk-based capital ratio | 62.0317% | 85 |
| Memoranda: | ||
| Average total assets | $313,206,500 | 2,087 |
| Average earning assets | $297,586,500 | 2,040 |
| Average equity | $86,122,500 | 967 |
| Average total loans | $54,448,250 | 4,264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5719% | 5,463 |
| Cost of funding earning assets | 0.9063% | 719 |
| Net interest margin | 1.6657% | 5,500 |
| Noninterest income to average assets | 0.0989% | 5,275 |
| Noninterest expense to average assets | 0.9287% | 5,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6599% | 4,321 |
| Return on assets (ROA) | 0.6627% | 4,315 |
| Pretax return on assets | 0.7571% | 4,372 |
| Return on Equity (ROE) | 2.4143% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.4143% | 4,297 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1933% | 4,566 |
| Assets per employee ($millions) | 15.6616% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 17.7949% | 5,453 |
| Net loans and leases to deposits | 24.7884% | 5,439 |
| Net loans and leases to core deposits | 26.6264% | 5,429 |
| Total domestic deposits to total assets | 71.7870% | 5,198 |
| Equity capital to assets | 27.4424% | 86 |
| Core capital (leverage) ratio | 27.5456% | 86 |
| Tier 1 risk-based capital ratio | 64.1419% | 79 |
| Total risk-based capital ratio | 64.7034% | 78 |
| Memoranda: | ||
| Average total assets | $313,555,330 | 2,104 |
| Average earning assets | $298,140,000 | 2,055 |
| Average equity | $86,069,000 | 969 |
| Average total loans | $53,222,330 | 4,322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5314% | 5,529 |
| Cost of funding earning assets | 0.8617% | 718 |
| Net interest margin | 1.6697% | 5,570 |
| Noninterest income to average assets | 0.0956% | 5,344 |
| Noninterest expense to average assets | 0.9244% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6643% | 4,228 |
| Return on assets (ROA) | 0.6643% | 4,234 |
| Pretax return on assets | 0.7599% | 4,259 |
| Return on Equity (ROE) | 2.4198% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.4198% | 4,202 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8827% | 4,700 |
| Assets per employee ($millions) | 14.9015% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 16.6081% | 5,523 |
| Net loans and leases to deposits | 23.1351% | 5,509 |
| Net loans and leases to core deposits | 24.7882% | 5,504 |
| Total domestic deposits to total assets | 71.7875% | 5,296 |
| Equity capital to assets | 27.4414% | 80 |
| Core capital (leverage) ratio | 27.4212% | 84 |
| Tier 1 risk-based capital ratio | 65.7776% | 74 |
| Total risk-based capital ratio | 66.3563% | 76 |
| Memoranda: | ||
| Average total assets | $313,717,500 | 2,123 |
| Average earning assets | $298,489,000 | 2,072 |
| Average equity | $86,124,500 | 974 |
| Average total loans | $51,588,000 | 4,407 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5442% | 5,543 |
| Cost of funding earning assets | 0.7985% | 629 |
| Net interest margin | 1.7457% | 5,601 |
| Noninterest income to average assets | 0.1044% | 5,400 |
| Noninterest expense to average assets | 0.9447% | 5,622 |
| Loan and lease loss provision to assets | 0.0029% | 4,189 |
| Net operating income to assets | 0.6763% | 3,700 |
| Return on assets (ROA) | 0.6837% | 3,717 |
| Pretax return on assets | 0.8268% | 4,179 |
| Return on Equity (ROE) | 2.4911% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.4911% | 3,836 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5134% | 4,985 |
| Assets per employee ($millions) | 14.9763% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 15.8027% | 5,597 |
| Net loans and leases to deposits | 22.0189% | 5,585 |
| Net loans and leases to core deposits | 23.6562% | 5,578 |
| Total domestic deposits to total assets | 71.7688% | 5,335 |
| Equity capital to assets | 27.4643% | 80 |
| Core capital (leverage) ratio | 28.0039% | 76 |
| Tier 1 risk-based capital ratio | 69.3502% | 62 |
| Total risk-based capital ratio | 69.9457% | 62 |
| Memoranda: | ||
| Average total assets | $310,349,800 | 2,118 |
| Average earning assets | $295,298,000 | 2,068 |
| Average equity | $85,184,800 | 958 |
| Average total loans | $52,717,600 | 4,391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5108% | 5,610 |
| Cost of funding earning assets | 0.7788% | 657 |
| Net interest margin | 1.7320% | 5,672 |
| Noninterest income to average assets | 0.1065% | 5,457 |
| Noninterest expense to average assets | 0.9048% | 5,692 |
| Loan and lease loss provision to assets | 0.0039% | 4,038 |
| Net operating income to assets | 0.6844% | 4,054 |
| Return on assets (ROA) | 0.6893% | 4,099 |
| Pretax return on assets | 0.8518% | 4,203 |
| Return on Equity (ROE) | 2.5115% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,388 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5725% | 5,136 |
| Assets per employee ($millions) | 14.8448% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 17.0171% | 5,658 |
| Net loans and leases to deposits | 23.7472% | 5,638 |
| Net loans and leases to core deposits | 25.4517% | 5,633 |
| Total domestic deposits to total assets | 71.6594% | 5,399 |
| Equity capital to assets | 27.5733% | 76 |
| Core capital (leverage) ratio | 28.0685% | 71 |
| Tier 1 risk-based capital ratio | 67.4271% | 69 |
| Total risk-based capital ratio | 68.0083% | 70 |
| Memoranda: | ||
| Average total assets | $309,311,500 | 2,132 |
| Average earning assets | $294,289,500 | 2,087 |
| Average equity | $84,887,000 | 963 |
| Average total loans | $53,284,000 | 4,421 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4921% | 5,664 |
| Cost of funding earning assets | 0.7528% | 674 |
| Net interest margin | 1.7393% | 5,725 |
| Noninterest income to average assets | 0.1089% | 5,484 |
| Noninterest expense to average assets | 0.9245% | 5,744 |
| Loan and lease loss provision to assets | 0.0058% | 3,799 |
| Net operating income to assets | 0.6785% | 3,941 |
| Return on assets (ROA) | 0.6859% | 3,971 |
| Pretax return on assets | 0.8428% | 4,120 |
| Return on Equity (ROE) | 2.5032% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.5032% | 4,190 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4072% | 5,146 |
| Assets per employee ($millions) | 14.8758% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 16.5488% | 5,705 |
| Net loans and leases to deposits | 23.0029% | 5,691 |
| Net loans and leases to core deposits | 24.6678% | 5,685 |
| Total domestic deposits to total assets | 71.9420% | 5,457 |
| Equity capital to assets | 27.3234% | 72 |
| Core capital (leverage) ratio | 28.1607% | 65 |
| Tier 1 risk-based capital ratio | 66.8035% | 69 |
| Total risk-based capital ratio | 67.3837% | 70 |
| Memoranda: | ||
| Average total assets | $308,502,000 | 2,143 |
| Average earning assets | $293,564,330 | 2,099 |
| Average equity | $84,530,330 | 964 |
| Average total loans | $53,111,670 | 4,445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5170% | 5,712 |
| Cost of funding earning assets | 0.7229% | 753 |
| Net interest margin | 1.7941% | 5,786 |
| Noninterest income to average assets | 0.1096% | 5,558 |
| Noninterest expense to average assets | 0.9447% | 5,811 |
| Loan and lease loss provision to assets | 0.0117% | 3,413 |
| Net operating income to assets | 0.7007% | 3,698 |
| Return on assets (ROA) | 0.7007% | 3,738 |
| Pretax return on assets | 0.8599% | 3,899 |
| Return on Equity (ROE) | 2.5536% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.5536% | 4,116 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0115% | 5,266 |
| Assets per employee ($millions) | 14.6006% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 2,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 17.2158% | 5,769 |
| Net loans and leases to deposits | 23.9915% | 5,747 |
| Net loans and leases to core deposits | 25.5636% | 5,737 |
| Total domestic deposits to total assets | 71.7582% | 5,553 |
| Equity capital to assets | 27.5341% | 73 |
| Core capital (leverage) ratio | 27.9866% | 69 |
| Tier 1 risk-based capital ratio | 65.7235% | 75 |
| Total risk-based capital ratio | 66.3033% | 75 |
| Memoranda: | ||
| Average total assets | $306,557,000 | 2,164 |
| Average earning assets | $291,617,000 | 2,126 |
| Average equity | $84,117,500 | 971 |
| Average total loans | $53,443,000 | 4,471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4147% | 5,785 |
| Cost of funding earning assets | 0.7796% | 554 |
| Net interest margin | 1.6352% | 5,843 |
| Noninterest income to average assets | 0.1096% | 5,618 |
| Noninterest expense to average assets | 0.9227% | 5,868 |
| Loan and lease loss provision to assets | 0.0032% | 4,288 |
| Net operating income to assets | 0.6041% | 4,188 |
| Return on assets (ROA) | 0.6116% | 4,277 |
| Pretax return on assets | 0.7513% | 4,336 |
| Return on Equity (ROE) | 2.2797% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.2797% | 4,228 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3208% | 5,125 |
| Assets per employee ($millions) | 14.5953% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 2,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 17.1631% | 5,830 |
| Net loans and leases to deposits | 23.8470% | 5,801 |
| Net loans and leases to core deposits | 25.2250% | 5,801 |
| Total domestic deposits to total assets | 71.9717% | 5,563 |
| Equity capital to assets | 27.3448% | 76 |
| Core capital (leverage) ratio | 27.1920% | 79 |
| Tier 1 risk-based capital ratio | 64.7312% | 72 |
| Total risk-based capital ratio | 65.3055% | 73 |
| Memoranda: | ||
| Average total assets | $312,117,600 | 2,106 |
| Average earning assets | $297,464,000 | 2,061 |
| Average equity | $83,738,400 | 952 |
| Average total loans | $49,227,000 | 4,594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4037% | 5,852 |
| Cost of funding earning assets | 0.7810% | 554 |
| Net interest margin | 1.6227% | 5,912 |
| Noninterest income to average assets | 0.1059% | 5,689 |
| Noninterest expense to average assets | 0.8765% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6215% | 4,203 |
| Return on assets (ROA) | 0.6256% | 4,306 |
| Pretax return on assets | 0.7816% | 4,360 |
| Return on Equity (ROE) | 2.3427% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.3427% | 4,514 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0229% | 5,311 |
| Assets per employee ($millions) | 14.8335% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 16.7276% | 5,897 |
| Net loans and leases to deposits | 23.2967% | 5,876 |
| Net loans and leases to core deposits | 24.7069% | 5,874 |
| Total domestic deposits to total assets | 71.8023% | 5,602 |
| Equity capital to assets | 27.2818% | 74 |
| Core capital (leverage) ratio | 27.2042% | 72 |
| Tier 1 risk-based capital ratio | 66.6918% | 69 |
| Total risk-based capital ratio | 67.2672% | 70 |
| Memoranda: | ||
| Average total assets | $313,521,750 | 2,102 |
| Average earning assets | $298,923,750 | 2,051 |
| Average equity | $83,720,000 | 959 |
| Average total loans | $48,196,750 | 4,666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4066% | 5,926 |
| Cost of funding earning assets | 0.7775% | 546 |
| Net interest margin | 1.6291% | 5,993 |
| Noninterest income to average assets | 0.1012% | 5,775 |
| Noninterest expense to average assets | 0.8721% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6216% | 4,179 |
| Return on assets (ROA) | 0.6276% | 4,284 |
| Pretax return on assets | 0.7906% | 4,318 |
| Return on Equity (ROE) | 2.3674% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,371 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6923% | 5,407 |
| Assets per employee ($millions) | 15.0656% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,726 |
| Loan loss allowance to noncurrent loans | 73,300.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,649 |
| Noncurrent loans to loans | 0.0021% | 5,511 |
| Net loans and leases to total assets | 14.8383% | 5,988 |
| Net loans and leases to deposits | 20.4801% | 5,972 |
| Net loans and leases to core deposits | 21.8306% | 5,968 |
| Total domestic deposits to total assets | 72.4519% | 5,642 |
| Equity capital to assets | 26.6947% | 78 |
| Core capital (leverage) ratio | 26.9133% | 75 |
| Tier 1 risk-based capital ratio | 68.7942% | 72 |
| Total risk-based capital ratio | 69.3913% | 73 |
| Memoranda: | ||
| Average total assets | $314,194,330 | 2,102 |
| Average earning assets | $299,680,670 | 2,057 |
| Average equity | $83,298,670 | 958 |
| Average total loans | $46,649,000 | 4,751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4772% | 5,974 |
| Cost of funding earning assets | 0.7802% | 543 |
| Net interest margin | 1.6970% | 6,055 |
| Noninterest income to average assets | 0.0971% | 5,833 |
| Noninterest expense to average assets | 0.8726% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6579% | 3,939 |
| Return on assets (ROA) | 0.6579% | 4,060 |
| Pretax return on assets | 0.8419% | 4,057 |
| Return on Equity (ROE) | 2.4903% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.4903% | 4,260 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8942% | 5,572 |
| Assets per employee ($millions) | 15.0320% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,628 |
| Loan loss allowance to noncurrent loans | 73,300.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,694 |
| Noncurrent loans to loans | 0.0022% | 5,527 |
| Net loans and leases to total assets | 14.3500% | 6,048 |
| Net loans and leases to deposits | 19.7133% | 6,033 |
| Net loans and leases to core deposits | 20.9873% | 6,028 |
| Total domestic deposits to total assets | 72.7936% | 5,724 |
| Equity capital to assets | 26.4553% | 76 |
| Core capital (leverage) ratio | 26.8188% | 73 |
| Tier 1 risk-based capital ratio | 70.7677% | 67 |
| Total risk-based capital ratio | 71.3889% | 67 |
| Memoranda: | ||
| Average total assets | $313,102,500 | 2,117 |
| Average earning assets | $298,400,500 | 2,070 |
| Average equity | $82,720,000 | 962 |
| Average total loans | $46,134,500 | 4,805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4652% | 6,004 |
| Cost of funding earning assets | 0.7594% | 610 |
| Net interest margin | 1.7057% | 6,091 |
| Noninterest income to average assets | 0.1105% | 5,843 |
| Noninterest expense to average assets | 0.9114% | 6,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6461% | 4,055 |
| Return on assets (ROA) | 0.6634% | 4,071 |
| Pretax return on assets | 0.8462% | 4,038 |
| Return on Equity (ROE) | 2.5515% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.5515% | 4,253 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5176% | 5,607 |
| Assets per employee ($millions) | 14.7873% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,659 |
| Loan loss allowance to noncurrent loans | 2,932.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 5,677 |
| Noncurrent loans to loans | 0.0541% | 5,299 |
| Net loans and leases to total assets | 14.6535% | 6,108 |
| Net loans and leases to deposits | 20.0772% | 6,093 |
| Net loans and leases to core deposits | 21.5077% | 6,083 |
| Total domestic deposits to total assets | 72.9858% | 5,725 |
| Equity capital to assets | 26.3830% | 75 |
| Core capital (leverage) ratio | 26.4494% | 73 |
| Tier 1 risk-based capital ratio | 68.1027% | 73 |
| Total risk-based capital ratio | 68.7121% | 74 |
| Memoranda: | ||
| Average total assets | $311,279,000 | 2,084 |
| Average earning assets | $296,533,600 | 2,040 |
| Average equity | $80,932,400 | 938 |
| Average total loans | $41,592,600 | 4,946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4501% | 6,105 |
| Cost of funding earning assets | 0.7547% | 632 |
| Net interest margin | 1.6954% | 6,182 |
| Noninterest income to average assets | 0.1066% | 5,933 |
| Noninterest expense to average assets | 0.8771% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6532% | 4,113 |
| Return on assets (ROA) | 0.6704% | 4,145 |
| Pretax return on assets | 0.8673% | 4,102 |
| Return on Equity (ROE) | 2.5878% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.5878% | 4,574 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9321% | 5,726 |
| Assets per employee ($millions) | 15.5296% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,750 |
| Loan loss allowance to noncurrent loans | 2,819.2308% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,774 |
| Noncurrent loans to loans | 0.0571% | 5,389 |
| Net loans and leases to total assets | 14.4228% | 6,197 |
| Net loans and leases to deposits | 19.7545% | 6,185 |
| Net loans and leases to core deposits | 21.1618% | 6,175 |
| Total domestic deposits to total assets | 73.0099% | 5,787 |
| Equity capital to assets | 26.3838% | 79 |
| Core capital (leverage) ratio | 26.6907% | 75 |
| Tier 1 risk-based capital ratio | 67.4710% | 77 |
| Total risk-based capital ratio | 68.0746% | 78 |
| Memoranda: | ||
| Average total assets | $311,465,500 | 2,096 |
| Average earning assets | $296,791,750 | 2,048 |
| Average equity | $80,683,500 | 949 |
| Average total loans | $40,431,500 | 5,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4279% | 6,187 |
| Cost of funding earning assets | 0.7458% | 660 |
| Net interest margin | 1.6821% | 6,258 |
| Noninterest income to average assets | 0.1091% | 5,994 |
| Noninterest expense to average assets | 0.8782% | 6,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6421% | 4,159 |
| Return on assets (ROA) | 0.6678% | 4,146 |
| Pretax return on assets | 0.8673% | 4,076 |
| Return on Equity (ROE) | 2.5940% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.5940% | 4,407 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2926% | 5,770 |
| Assets per employee ($millions) | 14.7083% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 1,331 |
| Loan loss allowance to noncurrent loans | 805.4945% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,762 |
| Noncurrent loans to loans | 0.2262% | 4,869 |
| Net loans and leases to total assets | 12.7864% | 6,282 |
| Net loans and leases to deposits | 17.3823% | 6,274 |
| Net loans and leases to core deposits | 18.6866% | 6,263 |
| Total domestic deposits to total assets | 73.5601% | 5,830 |
| Equity capital to assets | 25.8821% | 83 |
| Core capital (leverage) ratio | 25.5219% | 86 |
| Tier 1 risk-based capital ratio | 66.4890% | 84 |
| Total risk-based capital ratio | 67.0986% | 84 |
| Memoranda: | ||
| Average total assets | $311,756,670 | 2,112 |
| Average earning assets | $297,134,330 | 2,063 |
| Average equity | $80,262,670 | 958 |
| Average total loans | $38,732,330 | 5,153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4526% | 6,241 |
| Cost of funding earning assets | 0.7310% | 726 |
| Net interest margin | 1.7217% | 6,324 |
| Noninterest income to average assets | 0.1111% | 6,032 |
| Noninterest expense to average assets | 0.8825% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6644% | 3,981 |
| Return on assets (ROA) | 0.6935% | 3,960 |
| Pretax return on assets | 0.9093% | 3,851 |
| Return on Equity (ROE) | 2.7007% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.7007% | 4,326 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3277% | 5,896 |
| Assets per employee ($millions) | 14.9380% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 1,218 |
| Loan loss allowance to noncurrent loans | 631.8966% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,789 |
| Noncurrent loans to loans | 0.3061% | 4,693 |
| Net loans and leases to total assets | 11.8477% | 6,357 |
| Net loans and leases to deposits | 16.1461% | 6,342 |
| Net loans and leases to core deposits | 17.3843% | 6,331 |
| Total domestic deposits to total assets | 73.3780% | 5,950 |
| Equity capital to assets | 25.9134% | 87 |
| Core capital (leverage) ratio | 25.9981% | 84 |
| Tier 1 risk-based capital ratio | 69.6979% | 81 |
| Total risk-based capital ratio | 70.3264% | 82 |
| Memoranda: | ||
| Average total assets | $313,198,000 | 2,119 |
| Average earning assets | $298,780,500 | 2,060 |
| Average equity | $80,422,500 | 953 |
| Average total loans | $37,985,000 | 5,215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5819% | 6,304 |
| Cost of funding earning assets | 0.8064% | 630 |
| Net interest margin | 1.7755% | 6,407 |
| Noninterest income to average assets | 0.0878% | 6,198 |
| Noninterest expense to average assets | 0.8782% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6903% | 3,946 |
| Return on assets (ROA) | 0.7105% | 3,945 |
| Pretax return on assets | 0.9324% | 3,771 |
| Return on Equity (ROE) | 2.9780% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.9780% | 4,121 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2270% | 6,127 |
| Assets per employee ($millions) | 14.2135% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 1,256 |
| Loan loss allowance to noncurrent loans | 1,437.2549% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,986 |
| Noncurrent loans to loans | 0.1340% | 5,358 |
| Net loans and leases to total assets | 11.9406% | 6,445 |
| Net loans and leases to deposits | 16.1391% | 6,433 |
| Net loans and leases to core deposits | 17.3513% | 6,423 |
| Total domestic deposits to total assets | 73.9857% | 5,950 |
| Equity capital to assets | 25.4416% | 94 |
| Core capital (leverage) ratio | 24.7132% | 93 |
| Tier 1 risk-based capital ratio | 66.3240% | 75 |
| Total risk-based capital ratio | 66.9386% | 77 |
| Memoranda: | ||
| Average total assets | $319,055,000 | 2,039 |
| Average earning assets | $304,815,400 | 1,973 |
| Average equity | $76,125,800 | 964 |
| Average total loans | $38,204,800 | 5,246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5983% | 6,376 |
| Cost of funding earning assets | 0.8150% | 634 |
| Net interest margin | 1.7832% | 6,485 |
| Noninterest income to average assets | 0.0815% | 6,301 |
| Noninterest expense to average assets | 0.8345% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7174% | 3,853 |
| Return on assets (ROA) | 0.7339% | 3,866 |
| Pretax return on assets | 0.9730% | 3,704 |
| Return on Equity (ROE) | 3.1265% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.1265% | 4,397 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7396% | 6,255 |
| Assets per employee ($millions) | 14.3449% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,437.2549% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,110 |
| Noncurrent loans to loans | 0.1340% | 5,522 |
| Net loans and leases to total assets | 11.8268% | 6,524 |
| Net loans and leases to deposits | 15.8119% | 6,518 |
| Net loans and leases to core deposits | 17.0160% | 6,508 |
| Total domestic deposits to total assets | 74.7971% | 5,941 |
| Equity capital to assets | 24.6287% | 102 |
| Core capital (leverage) ratio | 24.5494% | 95 |
| Tier 1 risk-based capital ratio | 65.2397% | 80 |
| Total risk-based capital ratio | 65.8805% | 81 |
| Memoranda: | ||
| Average total assets | $320,644,500 | 2,040 |
| Average earning assets | $306,401,250 | 1,970 |
| Average equity | $75,268,500 | 974 |
| Average total loans | $38,238,250 | 5,292 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 6,428 |
| Cost of funding earning assets | 0.8239% | 634 |
| Net interest margin | 1.8107% | 6,551 |
| Noninterest income to average assets | 0.0813% | 6,347 |
| Noninterest expense to average assets | 0.8457% | 6,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7249% | 3,704 |
| Return on assets (ROA) | 0.7458% | 3,694 |
| Pretax return on assets | 0.9953% | 3,494 |
| Return on Equity (ROE) | 3.2290% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.2290% | 4,150 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6461% | 6,335 |
| Assets per employee ($millions) | 14.6553% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 1,432 |
| Loan loss allowance to noncurrent loans | 1,409.6154% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,187 |
| Noncurrent loans to loans | 0.1392% | 5,587 |
| Net loans and leases to total assets | 11.3626% | 6,595 |
| Net loans and leases to deposits | 15.0480% | 6,583 |
| Net loans and leases to core deposits | 16.1587% | 6,573 |
| Total domestic deposits to total assets | 75.5096% | 5,969 |
| Equity capital to assets | 23.9396% | 109 |
| Core capital (leverage) ratio | 24.3385% | 94 |
| Tier 1 risk-based capital ratio | 65.9413% | 80 |
| Total risk-based capital ratio | 66.5979% | 79 |
| Memoranda: | ||
| Average total assets | $322,330,330 | 2,023 |
| Average earning assets | $308,278,670 | 1,960 |
| Average equity | $74,449,670 | 980 |
| Average total loans | $38,298,670 | 5,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6683% | 6,485 |
| Cost of funding earning assets | 0.8387% | 617 |
| Net interest margin | 1.8296% | 6,624 |
| Noninterest income to average assets | 0.0794% | 6,392 |
| Noninterest expense to average assets | 0.8700% | 6,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7223% | 3,575 |
| Return on assets (ROA) | 0.7223% | 3,661 |
| Pretax return on assets | 0.9557% | 3,489 |
| Return on Equity (ROE) | 3.1855% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.1855% | 4,216 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6547% | 6,371 |
| Assets per employee ($millions) | 14.6897% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9107% | 1,719 |
| Loan loss allowance to noncurrent loans | 1,409.6154% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,270 |
| Noncurrent loans to loans | 0.1355% | 5,702 |
| Net loans and leases to total assets | 11.6439% | 6,663 |
| Net loans and leases to deposits | 15.2404% | 6,654 |
| Net loans and leases to core deposits | 16.3157% | 6,643 |
| Total domestic deposits to total assets | 76.4013% | 6,040 |
| Equity capital to assets | 23.0851% | 123 |
| Core capital (leverage) ratio | 23.8562% | 107 |
| Tier 1 risk-based capital ratio | 63.2255% | 82 |
| Total risk-based capital ratio | 63.8610% | 83 |
| Memoranda: | ||
| Average total assets | $322,287,500 | 2,028 |
| Average earning assets | $307,606,500 | 1,964 |
| Average equity | $73,082,000 | 998 |
| Average total loans | $38,764,000 | 5,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6392% | 6,574 |
| Cost of funding earning assets | 0.9037% | 722 |
| Net interest margin | 1.7355% | 6,696 |
| Noninterest income to average assets | 0.0690% | 6,488 |
| Noninterest expense to average assets | 0.9143% | 6,761 |
| Loan and lease loss provision to assets | 0.0037% | 5,039 |
| Net operating income to assets | 0.6100% | 4,220 |
| Return on assets (ROA) | 0.6343% | 4,207 |
| Pretax return on assets | 0.8419% | 3,990 |
| Return on Equity (ROE) | 2.7885% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.7885% | 4,259 |
| Net charge-offs to loans | -0.0172% | 6,117 |
| Credit loss provision to net charge-offs | -171.4286% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9256% | 6,217 |
| Assets per employee ($millions) | 14.6091% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 1,851 |
| Loan loss allowance to noncurrent loans | 1,308.9286% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 6,360 |
| Noncurrent loans to loans | 0.1430% | 5,769 |
| Net loans and leases to total assets | 11.9576% | 6,743 |
| Net loans and leases to deposits | 15.4856% | 6,737 |
| Net loans and leases to core deposits | 16.5905% | 6,724 |
| Total domestic deposits to total assets | 77.2179% | 5,938 |
| Equity capital to assets | 22.2647% | 137 |
| Core capital (leverage) ratio | 23.3885% | 110 |
| Tier 1 risk-based capital ratio | 62.2035% | 81 |
| Total risk-based capital ratio | 62.8010% | 84 |
| Memoranda: | ||
| Average total assets | $327,455,800 | 1,968 |
| Average earning assets | $312,930,600 | 1,891 |
| Average equity | $74,484,800 | 962 |
| Average total loans | $40,631,200 | 5,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6098% | 6,662 |
| Cost of funding earning assets | 0.9066% | 791 |
| Net interest margin | 1.7031% | 6,786 |
| Noninterest income to average assets | 0.0628% | 6,593 |
| Noninterest expense to average assets | 0.8568% | 6,842 |
| Loan and lease loss provision to assets | 0.0049% | 4,871 |
| Net operating income to assets | 0.6190% | 4,260 |
| Return on assets (ROA) | 0.6327% | 4,327 |
| Pretax return on assets | 0.8487% | 4,098 |
| Return on Equity (ROE) | 2.7671% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.7671% | 4,661 |
| Net charge-offs to loans | -0.0813% | 6,449 |
| Credit loss provision to net charge-offs | -48.0000% | 5,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6347% | 6,357 |
| Assets per employee ($millions) | 14.7574% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 1,944 |
| Loan loss allowance to noncurrent loans | 117.5274% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 5,617 |
| Noncurrent loans to loans | 1.6334% | 2,721 |
| Net loans and leases to total assets | 11.8181% | 6,823 |
| Net loans and leases to deposits | 15.3272% | 6,816 |
| Net loans and leases to core deposits | 16.4702% | 6,809 |
| Total domestic deposits to total assets | 77.1052% | 6,033 |
| Equity capital to assets | 22.3829% | 133 |
| Core capital (leverage) ratio | 23.0605% | 113 |
| Tier 1 risk-based capital ratio | 62.1763% | 84 |
| Total risk-based capital ratio | 62.7923% | 84 |
| Memoranda: | ||
| Average total assets | $328,969,500 | 1,970 |
| Average earning assets | $314,703,750 | 1,896 |
| Average equity | $75,216,250 | 961 |
| Average total loans | $40,997,750 | 5,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5717% | 6,710 |
| Cost of funding earning assets | 0.9072% | 865 |
| Net interest margin | 1.6645% | 6,836 |
| Noninterest income to average assets | 0.0472% | 6,678 |
| Noninterest expense to average assets | 0.8626% | 6,895 |
| Loan and lease loss provision to assets | 0.0073% | 4,701 |
| Net operating income to assets | 0.5901% | 4,341 |
| Return on assets (ROA) | 0.6108% | 4,404 |
| Pretax return on assets | 0.7984% | 4,320 |
| Return on Equity (ROE) | 2.6530% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.6530% | 4,620 |
| Net charge-offs to loans | -0.1201% | 6,551 |
| Credit loss provision to net charge-offs | -48.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5636% | 6,253 |
| Assets per employee ($millions) | 14.1927% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 1,826 |
| Loan loss allowance to noncurrent loans | 107.7475% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 5,522 |
| Noncurrent loans to loans | 1.8660% | 2,540 |
| Net loans and leases to total assets | 11.2127% | 6,873 |
| Net loans and leases to deposits | 14.5309% | 6,872 |
| Net loans and leases to core deposits | 15.5387% | 6,862 |
| Total domestic deposits to total assets | 77.1644% | 6,104 |
| Equity capital to assets | 22.3148% | 129 |
| Core capital (leverage) ratio | 22.7376% | 114 |
| Tier 1 risk-based capital ratio | 63.8136% | 79 |
| Total risk-based capital ratio | 64.4505% | 79 |
| Memoranda: | ||
| Average total assets | $330,405,000 | 1,967 |
| Average earning assets | $316,372,670 | 1,895 |
| Average equity | $76,065,330 | 956 |
| Average total loans | $41,623,670 | 5,348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5870% | 6,788 |
| Cost of funding earning assets | 0.9054% | 963 |
| Net interest margin | 1.6816% | 6,913 |
| Noninterest income to average assets | 0.0289% | 6,794 |
| Noninterest expense to average assets | 0.8761% | 6,974 |
| Loan and lease loss provision to assets | 0.0096% | 4,335 |
| Net operating income to assets | 0.5824% | 4,300 |
| Return on assets (ROA) | 0.5824% | 4,450 |
| Pretax return on assets | 0.7569% | 4,342 |
| Return on Equity (ROE) | 2.4924% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.4924% | 4,779 |
| Net charge-offs to loans | -0.1280% | 6,543 |
| Credit loss provision to net charge-offs | -57.1429% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 6,270 |
| Assets per employee ($millions) | 14.4797% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 2,840 |
| Loan loss allowance to noncurrent loans | 88.7817% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 5,522 |
| Noncurrent loans to loans | 1.9601% | 2,663 |
| Net loans and leases to total assets | 12.4783% | 6,940 |
| Net loans and leases to deposits | 16.4172% | 6,937 |
| Net loans and leases to core deposits | 17.5071% | 6,926 |
| Total domestic deposits to total assets | 76.0078% | 6,366 |
| Equity capital to assets | 23.3229% | 115 |
| Core capital (leverage) ratio | 22.5503% | 119 |
| Tier 1 risk-based capital ratio | 64.5408% | 83 |
| Total risk-based capital ratio | 65.1842% | 83 |
| Memoranda: | ||
| Average total assets | $332,391,000 | 1,977 |
| Average earning assets | $318,982,000 | 1,902 |
| Average equity | $77,676,500 | 946 |
| Average total loans | $43,759,000 | 5,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7788% | 6,860 |
| Cost of funding earning assets | 1.0612% | 1,072 |
| Net interest margin | 1.7176% | 6,976 |
| Noninterest income to average assets | 0.0972% | 6,523 |
| Noninterest expense to average assets | 0.9197% | 7,024 |
| Loan and lease loss provision to assets | 0.0643% | 4,959 |
| Net operating income to assets | 0.5798% | 4,336 |
| Return on assets (ROA) | 0.5609% | 4,682 |
| Pretax return on assets | 0.7337% | 4,547 |
| Return on Equity (ROE) | 2.3892% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.3892% | 4,550 |
| Net charge-offs to loans | 0.9424% | 1,176 |
| Credit loss provision to net charge-offs | 45.4348% | 4,801 |
| Earnings coverage of net charge-offs (x) | 5.8174% | 2,943 |
| Efficiency ratio | 52.7792% | 6,395 |
| Assets per employee ($millions) | 14.4239% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 3,407 |
| Loan loss allowance to noncurrent loans | 101.4205% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 5,629 |
| Noncurrent loans to loans | 1.5567% | 3,283 |
| Net loans and leases to total assets | 13.4171% | 6,991 |
| Net loans and leases to deposits | 17.6816% | 6,989 |
| Net loans and leases to core deposits | 18.8604% | 6,980 |
| Total domestic deposits to total assets | 75.8815% | 6,371 |
| Equity capital to assets | 23.4153% | 115 |
| Core capital (leverage) ratio | 22.8024% | 117 |
| Tier 1 risk-based capital ratio | 66.4988% | 83 |
| Total risk-based capital ratio | 67.1349% | 84 |
| Memoranda: | ||
| Average total assets | $325,210,600 | 1,976 |
| Average earning assets | $311,536,000 | 1,897 |
| Average equity | $76,342,000 | 926 |
| Average total loans | $48,812,000 | 5,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8699% | 6,944 |
| Cost of funding earning assets | 1.0813% | 1,138 |
| Net interest margin | 1.7886% | 7,078 |
| Noninterest income to average assets | 0.0911% | 6,649 |
| Noninterest expense to average assets | 0.8744% | 7,134 |
| Loan and lease loss provision to assets | 0.0255% | 5,464 |
| Net operating income to assets | 0.6708% | 4,039 |
| Return on assets (ROA) | 0.6379% | 4,450 |
| Pretax return on assets | 0.8608% | 4,260 |
| Return on Equity (ROE) | 2.7155% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.7155% | 4,922 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4364% | 6,693 |
| Assets per employee ($millions) | 14.3385% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,822 |
| Loan loss allowance to noncurrent loans | 71.8182% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 5,353 |
| Noncurrent loans to loans | 2.9854% | 1,872 |
| Net loans and leases to total assets | 14.2129% | 7,085 |
| Net loans and leases to deposits | 18.7982% | 7,083 |
| Net loans and leases to core deposits | 20.0028% | 7,080 |
| Total domestic deposits to total assets | 75.6075% | 6,439 |
| Equity capital to assets | 23.5653% | 126 |
| Core capital (leverage) ratio | 22.8635% | 125 |
| Tier 1 risk-based capital ratio | 66.1344% | 83 |
| Total risk-based capital ratio | 67.0473% | 83 |
| Memoranda: | ||
| Average total assets | $323,576,000 | 2,008 |
| Average earning assets | $310,112,500 | 1,925 |
| Average equity | $76,007,500 | 928 |
| Average total loans | $49,708,750 | 5,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8901% | 7,018 |
| Cost of funding earning assets | 1.1047% | 1,201 |
| Net interest margin | 1.7854% | 7,152 |
| Noninterest income to average assets | 0.0927% | 6,706 |
| Noninterest expense to average assets | 0.8858% | 7,202 |
| Loan and lease loss provision to assets | 0.0149% | 5,474 |
| Net operating income to assets | 0.6693% | 4,019 |
| Return on assets (ROA) | 0.6196% | 4,531 |
| Pretax return on assets | 0.8348% | 4,335 |
| Return on Equity (ROE) | 2.6406% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.6406% | 4,859 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1373% | 6,701 |
| Assets per employee ($millions) | 15.5761% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 2,075 |
| Loan loss allowance to noncurrent loans | 69.5318% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 5,430 |
| Noncurrent loans to loans | 2.9664% | 2,011 |
| Net loans and leases to total assets | 14.4440% | 7,150 |
| Net loans and leases to deposits | 19.0303% | 7,141 |
| Net loans and leases to core deposits | 20.2302% | 7,140 |
| Total domestic deposits to total assets | 75.8999% | 6,476 |
| Equity capital to assets | 23.3967% | 124 |
| Core capital (leverage) ratio | 22.8533% | 119 |
| Tier 1 risk-based capital ratio | 65.4533% | 83 |
| Total risk-based capital ratio | 66.3352% | 85 |
| Memoranda: | ||
| Average total assets | $321,506,000 | 2,018 |
| Average earning assets | $307,946,000 | 1,936 |
| Average equity | $75,438,330 | 929 |
| Average total loans | $50,312,000 | 5,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9738% | 7,051 |
| Cost of funding earning assets | 1.1237% | 1,281 |
| Net interest margin | 1.8501% | 7,194 |
| Noninterest income to average assets | 0.0929% | 6,781 |
| Noninterest expense to average assets | 0.8974% | 7,264 |
| Loan and lease loss provision to assets | 0.0151% | 5,130 |
| Net operating income to assets | 0.6878% | 3,942 |
| Return on assets (ROA) | 0.6878% | 4,158 |
| Pretax return on assets | 0.9513% | 3,860 |
| Return on Equity (ROE) | 2.9269% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.9269% | 4,790 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1481% | 6,794 |
| Assets per employee ($millions) | 14.0305% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 2,736 |
| Loan loss allowance to noncurrent loans | 67.0096% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,304 |
| Noncurrent loans to loans | 2.8076% | 2,298 |
| Net loans and leases to total assets | 15.7898% | 7,192 |
| Net loans and leases to deposits | 20.7234% | 7,182 |
| Net loans and leases to core deposits | 22.0112% | 7,180 |
| Total domestic deposits to total assets | 76.1932% | 6,523 |
| Equity capital to assets | 23.2354% | 120 |
| Core capital (leverage) ratio | 22.7788% | 122 |
| Tier 1 risk-based capital ratio | 59.1519% | 97 |
| Total risk-based capital ratio | 59.9417% | 97 |
| Memoranda: | ||
| Average total assets | $318,710,000 | 2,040 |
| Average earning assets | $305,067,000 | 1,952 |
| Average equity | $74,892,500 | 927 |
| Average total loans | $51,347,500 | 5,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2460% | 7,106 |
| Cost of funding earning assets | 1.2116% | 1,954 |
| Net interest margin | 2.0344% | 7,216 |
| Noninterest income to average assets | 0.0969% | 6,651 |
| Noninterest expense to average assets | 1.1892% | 7,269 |
| Loan and lease loss provision to assets | 0.0384% | 6,088 |
| Net operating income to assets | 0.5937% | 4,033 |
| Return on assets (ROA) | 0.6043% | 4,169 |
| Pretax return on assets | 0.8264% | 3,880 |
| Return on Equity (ROE) | 2.5221% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.5221% | 4,432 |
| Net charge-offs to loans | 0.0303% | 6,021 |
| Credit loss provision to net charge-offs | 688.2353% | 322 |
| Earnings coverage of net charge-offs (x) | 152.2353% | 220 |
| Efficiency ratio | 58.3051% | 6,010 |
| Assets per employee ($millions) | 13.6834% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,565 |
| Loan loss allowance to noncurrent loans | 65.6016% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 5,351 |
| Noncurrent loans to loans | 2.8977% | 2,255 |
| Net loans and leases to total assets | 15.8234% | 7,253 |
| Net loans and leases to deposits | 21.0707% | 7,244 |
| Net loans and leases to core deposits | 22.4070% | 7,232 |
| Total domestic deposits to total assets | 75.0964% | 6,595 |
| Equity capital to assets | 23.7686% | 117 |
| Core capital (leverage) ratio | 23.7453% | 115 |
| Tier 1 risk-based capital ratio | 63.0383% | 84 |
| Total risk-based capital ratio | 63.8786% | 83 |
| Memoranda: | ||
| Average total assets | $304,331,400 | 2,109 |
| Average earning assets | $290,603,400 | 2,017 |
| Average equity | $72,916,400 | 927 |
| Average total loans | $56,036,000 | 5,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 7,176 |
| Cost of funding earning assets | 1.2302% | 2,123 |
| Net interest margin | 2.0720% | 7,288 |
| Noninterest income to average assets | 0.0946% | 6,775 |
| Noninterest expense to average assets | 1.1294% | 7,357 |
| Loan and lease loss provision to assets | 0.0464% | 5,861 |
| Net operating income to assets | 0.6342% | 3,946 |
| Return on assets (ROA) | 0.6668% | 3,963 |
| Pretax return on assets | 0.9421% | 3,609 |
| Return on Equity (ROE) | 2.7772% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.7772% | 4,699 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5106% | 6,438 |
| Assets per employee ($millions) | 13.3870% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,267 |
| Loan loss allowance to noncurrent loans | 61.7048% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 5,501 |
| Noncurrent loans to loans | 2.7563% | 2,533 |
| Net loans and leases to total assets | 18.2085% | 7,305 |
| Net loans and leases to deposits | 24.4173% | 7,288 |
| Net loans and leases to core deposits | 25.8644% | 7,278 |
| Total domestic deposits to total assets | 74.5720% | 6,692 |
| Equity capital to assets | 24.1211% | 127 |
| Core capital (leverage) ratio | 23.8506% | 127 |
| Tier 1 risk-based capital ratio | 64.0639% | 95 |
| Total risk-based capital ratio | 64.9234% | 96 |
| Memoranda: | ||
| Average total assets | $301,734,750 | 2,132 |
| Average earning assets | $287,965,000 | 2,043 |
| Average equity | $72,444,500 | 939 |
| Average total loans | $57,354,000 | 5,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 7,237 |
| Cost of funding earning assets | 1.2417% | 2,308 |
| Net interest margin | 2.0991% | 7,342 |
| Noninterest income to average assets | 0.0941% | 6,857 |
| Noninterest expense to average assets | 1.2333% | 7,415 |
| Loan and lease loss provision to assets | 0.0200% | 6,039 |
| Net operating income to assets | 0.6063% | 4,038 |
| Return on assets (ROA) | 0.6260% | 4,056 |
| Pretax return on assets | 0.8696% | 3,759 |
| Return on Equity (ROE) | 2.6115% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.6115% | 4,631 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8535% | 6,050 |
| Assets per employee ($millions) | 12.6055% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 3,798 |
| Loan loss allowance to noncurrent loans | 56.8254% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 5,568 |
| Noncurrent loans to loans | 2.7741% | 2,625 |
| Net loans and leases to total assets | 18.4712% | 7,386 |
| Net loans and leases to deposits | 24.6958% | 7,364 |
| Net loans and leases to core deposits | 26.1777% | 7,362 |
| Total domestic deposits to total assets | 74.7946% | 6,755 |
| Equity capital to assets | 23.9744% | 135 |
| Core capital (leverage) ratio | 23.8080% | 132 |
| Tier 1 risk-based capital ratio | 65.7516% | 91 |
| Total risk-based capital ratio | 66.5723% | 92 |
| Memoranda: | ||
| Average total assets | $299,679,330 | 2,151 |
| Average earning assets | $285,743,670 | 2,067 |
| Average equity | $71,836,330 | 940 |
| Average total loans | $57,460,670 | 5,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 7,299 |
| Cost of funding earning assets | 1.2552% | 2,468 |
| Net interest margin | 2.0798% | 7,394 |
| Noninterest income to average assets | 0.0939% | 6,949 |
| Noninterest expense to average assets | 1.0823% | 7,505 |
| Loan and lease loss provision to assets | 0.0161% | 5,728 |
| Net operating income to assets | 0.6867% | 3,573 |
| Return on assets (ROA) | 0.7242% | 3,472 |
| Pretax return on assets | 1.0313% | 3,016 |
| Return on Equity (ROE) | 3.0214% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.0214% | 4,348 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1318% | 6,846 |
| Assets per employee ($millions) | 13.5599% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,964 |
| Loan loss allowance to noncurrent loans | 56.0742% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 5,607 |
| Noncurrent loans to loans | 2.7635% | 2,739 |
| Net loans and leases to total assets | 18.6771% | 7,444 |
| Net loans and leases to deposits | 25.0207% | 7,416 |
| Net loans and leases to core deposits | 26.5101% | 7,412 |
| Total domestic deposits to total assets | 74.6468% | 6,840 |
| Equity capital to assets | 24.0087% | 131 |
| Core capital (leverage) ratio | 24.1909% | 118 |
| Tier 1 risk-based capital ratio | 68.3458% | 81 |
| Total risk-based capital ratio | 69.1826% | 82 |
| Memoranda: | ||
| Average total assets | $298,253,500 | 2,173 |
| Average earning assets | $284,257,500 | 2,085 |
| Average equity | $71,489,500 | 944 |
| Average total loans | $57,803,000 | 5,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3816% | 7,418 |
| Cost of funding earning assets | 1.4630% | 2,877 |
| Net interest margin | 1.9186% | 7,480 |
| Noninterest income to average assets | 0.1058% | 6,867 |
| Noninterest expense to average assets | 1.0989% | 7,565 |
| Loan and lease loss provision to assets | 0.0014% | 7,037 |
| Net operating income to assets | 0.5985% | 3,676 |
| Return on assets (ROA) | 0.5963% | 3,849 |
| Pretax return on assets | 0.8304% | 3,531 |
| Return on Equity (ROE) | 2.4102% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.4102% | 4,185 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8268% | 6,487 |
| Assets per employee ($millions) | 12.9648% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 4,211 |
| Loan loss allowance to noncurrent loans | 53.7935% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 5,625 |
| Noncurrent loans to loans | 2.7249% | 2,792 |
| Net loans and leases to total assets | 19.5000% | 7,523 |
| Net loans and leases to deposits | 26.1026% | 7,512 |
| Net loans and leases to core deposits | 27.5619% | 7,499 |
| Total domestic deposits to total assets | 74.7051% | 6,807 |
| Equity capital to assets | 23.9300% | 137 |
| Core capital (leverage) ratio | 24.4470% | 126 |
| Tier 1 risk-based capital ratio | 70.2522% | 77 |
| Total risk-based capital ratio | 71.1071% | 78 |
| Memoranda: | ||
| Average total assets | $287,458,800 | 2,230 |
| Average earning assets | $273,892,200 | 2,157 |
| Average equity | $71,114,200 | 950 |
| Average total loans | $61,887,000 | 4,991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 7,558 |
| Cost of funding earning assets | 1.5068% | 2,935 |
| Net interest margin | 1.9039% | 7,601 |
| Noninterest income to average assets | 0.1077% | 7,012 |
| Noninterest expense to average assets | 1.0768% | 7,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6093% | 3,842 |
| Return on assets (ROA) | 0.6063% | 4,016 |
| Pretax return on assets | 0.8404% | 3,770 |
| Return on Equity (ROE) | 2.4300% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.4300% | 4,723 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0429% | 6,552 |
| Assets per employee ($millions) | 13.2430% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,349 |
| Loan loss allowance to noncurrent loans | 54.4937% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 5,725 |
| Noncurrent loans to loans | 2.6090% | 3,016 |
| Net loans and leases to total assets | 20.4904% | 7,621 |
| Net loans and leases to deposits | 27.8030% | 7,595 |
| Net loans and leases to core deposits | 29.5456% | 7,587 |
| Total domestic deposits to total assets | 73.6986% | 6,960 |
| Equity capital to assets | 24.7963% | 138 |
| Core capital (leverage) ratio | 24.5511% | 130 |
| Tier 1 risk-based capital ratio | 74.6009% | 72 |
| Total risk-based capital ratio | 75.5099% | 71 |
| Memoranda: | ||
| Average total assets | $284,776,000 | 2,281 |
| Average earning assets | $271,296,250 | 2,206 |
| Average equity | $71,053,500 | 950 |
| Average total loans | $62,605,750 | 5,047 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 7,625 |
| Cost of funding earning assets | 1.4731% | 3,411 |
| Net interest margin | 1.9659% | 7,649 |
| Noninterest income to average assets | 0.1033% | 7,088 |
| Noninterest expense to average assets | 1.1409% | 7,749 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6040% | 3,863 |
| Return on assets (ROA) | 0.5995% | 4,017 |
| Pretax return on assets | 0.8281% | 3,785 |
| Return on Equity (ROE) | 2.3975% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.3975% | 4,633 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7571% | 6,410 |
| Assets per employee ($millions) | 12.8794% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,586 |
| Loan loss allowance to noncurrent loans | 410.0000% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,819 |
| Noncurrent loans to loans | 0.3338% | 6,564 |
| Net loans and leases to total assets | 21.8976% | 7,665 |
| Net loans and leases to deposits | 29.8987% | 7,640 |
| Net loans and leases to core deposits | 31.3137% | 7,637 |
| Total domestic deposits to total assets | 73.2394% | 7,069 |
| Equity capital to assets | 25.2596% | 134 |
| Core capital (leverage) ratio | 24.4992% | 132 |
| Tier 1 risk-based capital ratio | 75.6869% | 72 |
| Total risk-based capital ratio | 76.6150% | 71 |
| Memoranda: | ||
| Average total assets | $282,586,000 | 2,315 |
| Average earning assets | $269,091,000 | 2,237 |
| Average equity | $70,657,000 | 949 |
| Average total loans | $63,288,000 | 5,041 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 7,734 |
| Cost of funding earning assets | 1.5279% | 3,384 |
| Net interest margin | 1.8675% | 7,763 |
| Noninterest income to average assets | 0.1049% | 7,181 |
| Noninterest expense to average assets | 0.9979% | 7,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6343% | 3,735 |
| Return on assets (ROA) | 0.6251% | 3,908 |
| Pretax return on assets | 0.8717% | 3,573 |
| Return on Equity (ROE) | 2.5128% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.5128% | 4,630 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0120% | 7,056 |
| Assets per employee ($millions) | 12.3259% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,639 |
| Loan loss allowance to noncurrent loans | 503.5088% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,915 |
| Noncurrent loans to loans | 0.2696% | 6,784 |
| Net loans and leases to total assets | 22.0659% | 7,757 |
| Net loans and leases to deposits | 30.0059% | 7,729 |
| Net loans and leases to core deposits | 31.4592% | 7,724 |
| Total domestic deposits to total assets | 73.5386% | 7,100 |
| Equity capital to assets | 24.9033% | 146 |
| Core capital (leverage) ratio | 24.3753% | 142 |
| Tier 1 risk-based capital ratio | 75.1340% | 70 |
| Total risk-based capital ratio | 76.0629% | 70 |
| Memoranda: | ||
| Average total assets | $282,206,000 | 2,376 |
| Average earning assets | $268,597,500 | 2,288 |
| Average equity | $70,199,500 | 953 |
| Average total loans | $63,478,500 | 5,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 7,710 |
| Cost of funding earning assets | 1.9196% | 3,357 |
| Net interest margin | 2.0445% | 7,723 |
| Noninterest income to average assets | 0.1531% | 6,967 |
| Noninterest expense to average assets | 1.1633% | 7,918 |
| Loan and lease loss provision to assets | 0.0045% | 7,408 |
| Net operating income to assets | 0.6841% | 2,999 |
| Return on assets (ROA) | 0.5908% | 3,444 |
| Pretax return on assets | 0.7990% | 3,244 |
| Return on Equity (ROE) | 2.3095% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.3095% | 3,500 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5834% | 7,061 |
| Assets per employee ($millions) | 12.2137% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,460 |
| Loan loss allowance to noncurrent loans | 230.2139% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 6,948 |
| Noncurrent loans to loans | 0.5886% | 6,062 |
| Net loans and leases to total assets | 22.3124% | 7,836 |
| Net loans and leases to deposits | 30.3413% | 7,806 |
| Net loans and leases to core deposits | 39.5916% | 7,761 |
| Total domestic deposits to total assets | 73.5380% | 7,082 |
| Equity capital to assets | 24.8469% | 169 |
| Core capital (leverage) ratio | 25.5464% | 147 |
| Tier 1 risk-based capital ratio | 74.8422% | 79 |
| Total risk-based capital ratio | 75.7712% | 79 |
| Memoranda: | ||
| Average total assets | $266,567,800 | 2,460 |
| Average earning assets | $252,920,600 | 2,382 |
| Average equity | $68,196,400 | 965 |
| Average total loans | $61,917,600 | 5,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 7,768 |
| Cost of funding earning assets | 1.9841% | 3,447 |
| Net interest margin | 2.1295% | 7,748 |
| Noninterest income to average assets | 0.1683% | 7,007 |
| Noninterest expense to average assets | 1.1179% | 8,008 |
| Loan and lease loss provision to assets | 0.0061% | 7,256 |
| Net operating income to assets | 0.7730% | 2,923 |
| Return on assets (ROA) | 0.6601% | 3,416 |
| Pretax return on assets | 0.9090% | 3,201 |
| Return on Equity (ROE) | 2.5606% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.5606% | 3,882 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1008% | 7,477 |
| Assets per employee ($millions) | 12.0160% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,081 |
| Loan loss allowance to noncurrent loans | 229.6000% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,992 |
| Noncurrent loans to loans | 0.5994% | 6,108 |
| Net loans and leases to total assets | 22.3245% | 7,928 |
| Net loans and leases to deposits | 30.5710% | 7,904 |
| Net loans and leases to core deposits | 39.5538% | 7,857 |
| Total domestic deposits to total assets | 73.0252% | 7,081 |
| Equity capital to assets | 25.2615% | 169 |
| Core capital (leverage) ratio | 25.7751% | 158 |
| Tier 1 risk-based capital ratio | 74.4544% | 82 |
| Total risk-based capital ratio | 75.3823% | 82 |
| Memoranda: | ||
| Average total assets | $262,980,750 | 2,504 |
| Average earning assets | $249,380,750 | 2,432 |
| Average equity | $67,795,750 | 982 |
| Average total loans | $61,512,000 | 5,223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 7,762 |
| Cost of funding earning assets | 2.0504% | 3,514 |
| Net interest margin | 2.2793% | 7,691 |
| Noninterest income to average assets | 0.1122% | 7,422 |
| Noninterest expense to average assets | 1.1086% | 8,105 |
| Loan and lease loss provision to assets | 0.0170% | 7,054 |
| Net operating income to assets | 0.8270% | 2,748 |
| Return on assets (ROA) | 0.7017% | 3,354 |
| Pretax return on assets | 0.9694% | 3,117 |
| Return on Equity (ROE) | 2.7025% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.7025% | 3,828 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8578% | 7,721 |
| Assets per employee ($millions) | 12.2259% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,617 |
| Loan loss allowance to noncurrent loans | 111.8721% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 6,453 |
| Noncurrent loans to loans | 1.4561% | 4,309 |
| Net loans and leases to total assets | 22.0033% | 8,013 |
| Net loans and leases to deposits | 30.2568% | 7,988 |
| Net loans and leases to core deposits | 38.4411% | 7,947 |
| Total domestic deposits to total assets | 72.7218% | 7,151 |
| Equity capital to assets | 25.4817% | 191 |
| Core capital (leverage) ratio | 26.1374% | 186 |
| Tier 1 risk-based capital ratio | 73.7905% | 92 |
| Total risk-based capital ratio | 74.8432% | 93 |
| Memoranda: | ||
| Average total assets | $258,518,000 | 2,553 |
| Average earning assets | $244,636,330 | 2,482 |
| Average equity | $67,122,670 | 1,003 |
| Average total loans | $61,163,000 | 5,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 7,531 |
| Cost of funding earning assets | 2.1569% | 3,381 |
| Net interest margin | 2.5251% | 7,470 |
| Noninterest income to average assets | 0.1153% | 7,450 |
| Noninterest expense to average assets | 0.9728% | 8,175 |
| Loan and lease loss provision to assets | 0.0190% | 6,647 |
| Net operating income to assets | 1.0703% | 2,066 |
| Return on assets (ROA) | 0.8180% | 3,208 |
| Pretax return on assets | 1.1512% | 2,797 |
| Return on Equity (ROE) | 3.1198% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.1198% | 4,136 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9381% | 8,072 |
| Assets per employee ($millions) | 11.3376% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 2,621 |
| Loan loss allowance to noncurrent loans | 111.7512% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 6,259 |
| Noncurrent loans to loans | 1.4110% | 4,192 |
| Net loans and leases to total assets | 23.2195% | 8,048 |
| Net loans and leases to deposits | 32.1346% | 8,010 |
| Net loans and leases to core deposits | 40.1565% | 7,978 |
| Total domestic deposits to total assets | 72.2569% | 7,169 |
| Equity capital to assets | 25.6143% | 209 |
| Core capital (leverage) ratio | 26.4863% | 197 |
| Tier 1 risk-based capital ratio | 74.5500% | 100 |
| Total risk-based capital ratio | 75.6095% | 99 |
| Memoranda: | ||
| Average total assets | $253,292,500 | 2,611 |
| Average earning assets | $239,044,000 | 2,543 |
| Average equity | $66,415,000 | 1,014 |
| Average total loans | $61,663,500 | 5,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 7,677 |
| Cost of funding earning assets | 2.5986% | 3,689 |
| Net interest margin | 2.6156% | 7,626 |
| Noninterest income to average assets | 0.1326% | 7,444 |
| Noninterest expense to average assets | 1.0947% | 8,188 |
| Loan and lease loss provision to assets | 0.0267% | 7,063 |
| Net operating income to assets | 1.0813% | 2,221 |
| Return on assets (ROA) | 0.9314% | 2,723 |
| Pretax return on assets | 1.2852% | 2,360 |
| Return on Equity (ROE) | 3.4691% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.4691% | 2,982 |
| Net charge-offs to loans | 0.0649% | 5,844 |
| Credit loss provision to net charge-offs | 183.3333% | 2,718 |
| Earnings coverage of net charge-offs (x) | 104.4167% | 414 |
| Efficiency ratio | 41.8651% | 8,072 |
| Assets per employee ($millions) | 11.1737% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,447 |
| Loan loss allowance to noncurrent loans | 119.1542% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 5,677 |
| Noncurrent loans to loans | 1.3008% | 3,910 |
| Net loans and leases to total assets | 24.7542% | 8,095 |
| Net loans and leases to deposits | 34.9385% | 8,044 |
| Net loans and leases to core deposits | 42.1248% | 8,024 |
| Total domestic deposits to total assets | 70.8507% | 7,180 |
| Equity capital to assets | 26.8639% | 221 |
| Core capital (leverage) ratio | 27.0031% | 223 |
| Tier 1 risk-based capital ratio | 74.4205% | 109 |
| Total risk-based capital ratio | 75.4730% | 109 |
| Memoranda: | ||
| Average total assets | $247,273,200 | 2,584 |
| Average earning assets | $234,665,000 | 2,512 |
| Average equity | $66,386,200 | 1,005 |
| Average total loans | $55,468,400 | 5,474 |