Home > Somerset Regal Bank > Performance and Condition Ratios
Somerset Regal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4859% | 4,398 |
| Cost of funding earning assets | 0.8420% | 3,629 |
| Net interest margin | 2.6439% | 3,910 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.5605% | 2,124 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | -0.2910% | 4,484 |
| Return on assets (ROA) | -0.3036% | 4,470 |
| Pretax return on assets | -0.4664% | 4,480 |
| Return on Equity (ROE) | -1.6800% | 4,412 |
| Retained earnings to average equity (ytd only) | -1.6845% | 4,242 |
| 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 | 96.1683% | 256 |
| Assets per employee ($millions) | 8.9399% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,063 |
| Loan loss allowance to noncurrent loans | 3,598.6207% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,672 |
| Noncurrent loans to loans | 0.0207% | 3,593 |
| Net loans and leases to total assets | 64.8500% | 2,379 |
| Net loans and leases to deposits | 82.2305% | 1,926 |
| Net loans and leases to core deposits | 87.3457% | 2,221 |
| Total domestic deposits to total assets | 78.8700% | 3,628 |
| Equity capital to assets | 18.2495% | 338 |
| Core capital (leverage) ratio | 16.2909% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $829,513,200 | 1,150 |
| Average earning assets | $755,551,800 | 1,164 |
| Average equity | $149,478,000 | 672 |
| Average total loans | $496,133,600 | 1,241 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7239% | 4,567 |
| Cost of funding earning assets | 0.5875% | 3,992 |
| Net interest margin | 2.1364% | 4,389 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.4096% | 2,493 |
| Loan and lease loss provision to assets | 0.7200% | 99 |
| Net operating income to assets | -0.6792% | 4,548 |
| Return on assets (ROA) | -0.6980% | 4,540 |
| Pretax return on assets | -1.0208% | 4,554 |
| Return on Equity (ROE) | -3.8900% | 4,484 |
| Retained earnings to average equity (ytd only) | -14.4059% | 4,534 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 111.8813% | 97 |
| Assets per employee ($millions) | 8.8707% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,050 |
| Loan loss allowance to noncurrent loans | 3,886.8613% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,725 |
| Noncurrent loans to loans | 0.0196% | 3,625 |
| Net loans and leases to total assets | 62.4900% | 2,601 |
| Net loans and leases to deposits | 78.3031% | 2,220 |
| Net loans and leases to core deposits | 83.5030% | 2,359 |
| Total domestic deposits to total assets | 79.8000% | 3,559 |
| Equity capital to assets | 17.3514% | 373 |
| Core capital (leverage) ratio | 13.6011% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $768,695,000 | 1,212 |
| Average earning assets | $701,732,250 | 1,223 |
| Average equity | $137,903,000 | 717 |
| Average total loans | $444,924,750 | 1,355 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7995% | 4,585 |
| Cost of funding earning assets | 0.5581% | 3,862 |
| Net interest margin | 2.2415% | 4,393 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.9108% | 3,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3177% | 4,130 |
| Return on assets (ROA) | 0.2869% | 4,202 |
| Pretax return on assets | 0.3430% | 4,188 |
| Return on Equity (ROE) | 1.5700% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.5701% | 3,814 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.4244% | 630 |
| Assets per employee ($millions) | 10.0239% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3071% | 4,474 |
| Loan loss allowance to noncurrent loans | 808.6957% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,611 |
| Noncurrent loans to loans | 0.0380% | 3,458 |
| Net loans and leases to total assets | 55.6100% | 3,144 |
| Net loans and leases to deposits | 71.3894% | 2,689 |
| Net loans and leases to core deposits | 73.3304% | 2,940 |
| Total domestic deposits to total assets | 77.9000% | 3,859 |
| Equity capital to assets | 18.7374% | 317 |
| Core capital (leverage) ratio | 19.4755% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $655,312,333 | 1,368 |
| Average earning assets | $607,815,000 | 1,364 |
| Average equity | $119,737,333 | 815 |
| Average total loans | $360,491,000 | 1,561 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6799% | 4,622 |
| Cost of funding earning assets | 0.4013% | 3,959 |
| Net interest margin | 2.2786% | 4,462 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.0798% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2282% | 4,326 |
| Return on assets (ROA) | 0.1576% | 4,368 |
| Pretax return on assets | 0.1656% | 4,368 |
| Return on Equity (ROE) | 0.8700% | 4,391 |
| Retained earnings to average equity (ytd only) | 0.8738% | 3,886 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.6615% | 369 |
| Assets per employee ($millions) | 10.2288% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3113% | 4,531 |
| Loan loss allowance to noncurrent loans | 759.1837% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,589 |
| Noncurrent loans to loans | 0.0410% | 3,442 |
| Net loans and leases to total assets | 53.7500% | 3,218 |
| Net loans and leases to deposits | 68.5254% | 2,733 |
| Net loans and leases to core deposits | 70.3482% | 2,930 |
| Total domestic deposits to total assets | 78.4300% | 3,949 |
| Equity capital to assets | 17.9068% | 305 |
| Core capital (leverage) ratio | 19.6748% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $657,191,500 | 1,387 |
| Average earning assets | $610,023,000 | 1,379 |
| Average equity | $118,564,000 | 831 |
| Average total loans | $359,018,000 | 1,582 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3969% | 4,533 |
| Cost of funding earning assets | 0.2222% | 3,581 |
| Net interest margin | 2.1747% | 4,490 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9209% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2659% | 4,401 |
| Return on assets (ROA) | 0.2651% | 4,379 |
| Pretax return on assets | 0.3134% | 4,370 |
| Return on Equity (ROE) | 1.4500% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.4462% | 4,113 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.9366% | 422 |
| Assets per employee ($millions) | 9.8429% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 4,543 |
| Loan loss allowance to noncurrent loans | 785.9155% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,625 |
| Noncurrent loans to loans | 0.0395% | 3,491 |
| Net loans and leases to total assets | 55.1800% | 3,105 |
| Net loans and leases to deposits | 67.9987% | 2,729 |
| Net loans and leases to core deposits | 69.7243% | 2,896 |
| Total domestic deposits to total assets | 81.1500% | 3,738 |
| Equity capital to assets | 18.1291% | 284 |
| Core capital (leverage) ratio | 19.5436% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $649,587,600 | 1,376 |
| Average earning assets | $605,366,600 | 1,375 |
| Average equity | $119,069,800 | 824 |
| Average total loans | $333,436,200 | 1,592 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3346% | 4,524 |
| Cost of funding earning assets | 0.2024% | 3,242 |
| Net interest margin | 2.1322% | 4,503 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.8340% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3014% | 4,377 |
| Return on assets (ROA) | 0.3001% | 4,336 |
| Pretax return on assets | 0.3604% | 4,321 |
| Return on Equity (ROE) | 1.6300% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.6326% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.5125% | 576 |
| Assets per employee ($millions) | 10.1703% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3217% | 4,575 |
| 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 | 53.1300% | 3,175 |
| Net loans and leases to deposits | 65.3542% | 2,763 |
| Net loans and leases to core deposits | 66.6867% | 2,901 |
| Total domestic deposits to total assets | 81.3000% | 3,933 |
| Equity capital to assets | 17.9737% | 276 |
| Core capital (leverage) ratio | 19.4191% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $649,577,000 | 1,383 |
| Average earning assets | $605,945,500 | 1,383 |
| Average equity | $119,394,250 | 833 |
| Average total loans | $326,900,250 | 1,612 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2746% | 4,536 |
| Cost of funding earning assets | 0.2056% | 2,843 |
| Net interest margin | 2.0690% | 4,524 |
| Noninterest income to average assets | 0.2049% | 3,965 |
| Noninterest expense to average assets | 1.7158% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3434% | 4,214 |
| Return on assets (ROA) | 0.3414% | 4,171 |
| Pretax return on assets | 0.4181% | 4,131 |
| Return on Equity (ROE) | 1.8437% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.8437% | 3,799 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3144% | 921 |
| Assets per employee ($millions) | 10.1350% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3317% | 4,646 |
| 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 | 51.7055% | 3,190 |
| Net loans and leases to deposits | 63.7184% | 2,748 |
| Net loans and leases to core deposits | 65.0310% | 2,896 |
| Total domestic deposits to total assets | 81.1468% | 4,108 |
| Equity capital to assets | 18.2276% | 217 |
| Core capital (leverage) ratio | 19.3469% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $649,136,000 | 1,387 |
| Average earning assets | $605,990,667 | 1,389 |
| Average equity | $120,195,333 | 841 |
| Average total loans | $320,218,667 | 1,632 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2069% | 4,527 |
| Cost of funding earning assets | 0.2320% | 2,368 |
| Net interest margin | 1.9749% | 4,531 |
| Noninterest income to average assets | 0.2014% | 3,956 |
| Noninterest expense to average assets | 1.6859% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3002% | 4,144 |
| Return on assets (ROA) | 0.2981% | 4,120 |
| Pretax return on assets | 0.3591% | 4,101 |
| Return on Equity (ROE) | 1.5977% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.5977% | 3,656 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3406% | 958 |
| Assets per employee ($millions) | 10.3010% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 48.8543% | 3,296 |
| Net loans and leases to deposits | 60.3955% | 2,868 |
| Net loans and leases to core deposits | 61.5922% | 3,011 |
| Total domestic deposits to total assets | 80.8906% | 4,211 |
| Equity capital to assets | 18.5198% | 207 |
| Core capital (leverage) ratio | 19.2438% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $649,384,500 | 1,390 |
| Average earning assets | $607,011,500 | 1,397 |
| Average equity | $121,177,500 | 849 |
| Average total loans | $312,079,000 | 1,649 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1940% | 4,628 |
| Cost of funding earning assets | 0.3316% | 2,105 |
| Net interest margin | 1.8623% | 4,650 |
| Noninterest income to average assets | 0.2018% | 4,157 |
| Noninterest expense to average assets | 1.6422% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2555% | 4,477 |
| Return on assets (ROA) | 0.2571% | 4,490 |
| Pretax return on assets | 0.3021% | 4,493 |
| Return on Equity (ROE) | 1.3479% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.3479% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5427% | 544 |
| Assets per employee ($millions) | 10.1532% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3647% | 4,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.9185% | 3,610 |
| Net loans and leases to deposits | 58.1810% | 3,239 |
| Net loans and leases to core deposits | 59.2524% | 3,372 |
| Total domestic deposits to total assets | 80.6423% | 4,151 |
| Equity capital to assets | 18.8007% | 222 |
| Core capital (leverage) ratio | 19.1725% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $637,805,800 | 1,385 |
| Average earning assets | $596,129,800 | 1,383 |
| Average equity | $121,667,200 | 852 |
| Average total loans | $304,078,400 | 1,694 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1973% | 4,716 |
| Cost of funding earning assets | 0.3475% | 2,142 |
| Net interest margin | 1.8498% | 4,728 |
| Noninterest income to average assets | 0.1987% | 4,205 |
| Noninterest expense to average assets | 1.6154% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2635% | 4,564 |
| Return on assets (ROA) | 0.2651% | 4,585 |
| Pretax return on assets | 0.3138% | 4,580 |
| Return on Equity (ROE) | 1.3844% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.3844% | 4,331 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8165% | 528 |
| Assets per employee ($millions) | 10.1252% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3728% | 4,782 |
| Loan loss allowance to noncurrent loans | 706.3291% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,012 |
| Noncurrent loans to loans | 0.0528% | 3,846 |
| Net loans and leases to total assets | 46.0237% | 3,796 |
| Net loans and leases to deposits | 57.1190% | 3,481 |
| Net loans and leases to core deposits | 58.2078% | 3,610 |
| Total domestic deposits to total assets | 80.5751% | 4,153 |
| Equity capital to assets | 18.8443% | 233 |
| Core capital (leverage) ratio | 19.2412% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $634,806,000 | 1,406 |
| Average earning assets | $593,205,250 | 1,407 |
| Average equity | $121,542,000 | 867 |
| Average total loans | $303,599,250 | 1,724 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2212% | 4,753 |
| Cost of funding earning assets | 0.3645% | 2,185 |
| Net interest margin | 1.8567% | 4,771 |
| Noninterest income to average assets | 0.1891% | 4,257 |
| Noninterest expense to average assets | 1.5939% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2750% | 4,555 |
| Return on assets (ROA) | 0.2782% | 4,564 |
| Pretax return on assets | 0.3331% | 4,554 |
| Return on Equity (ROE) | 1.4454% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.4454% | 4,252 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8769% | 621 |
| Assets per employee ($millions) | 9.8365% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3615% | 4,820 |
| Loan loss allowance to noncurrent loans | 328.2353% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,881 |
| Noncurrent loans to loans | 0.1101% | 3,641 |
| Net loans and leases to total assets | 48.1142% | 3,714 |
| Net loans and leases to deposits | 59.8643% | 3,400 |
| Net loans and leases to core deposits | 61.0639% | 3,538 |
| Total domestic deposits to total assets | 80.3721% | 4,174 |
| Equity capital to assets | 19.0722% | 223 |
| Core capital (leverage) ratio | 19.3867% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $630,403,333 | 1,403 |
| Average earning assets | $588,777,667 | 1,405 |
| Average equity | $121,351,333 | 859 |
| Average total loans | $305,013,667 | 1,719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2111% | 4,789 |
| Cost of funding earning assets | 0.3805% | 2,257 |
| Net interest margin | 1.8306% | 4,799 |
| Noninterest income to average assets | 0.1847% | 4,269 |
| Noninterest expense to average assets | 1.6731% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1960% | 4,639 |
| Return on assets (ROA) | 0.2000% | 4,661 |
| Pretax return on assets | 0.2256% | 4,663 |
| Return on Equity (ROE) | 1.0342% | 4,707 |
| Retained earnings to average equity (ytd only) | 1.0342% | 4,210 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3266% | 428 |
| Assets per employee ($millions) | 9.8542% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3718% | 4,843 |
| Loan loss allowance to noncurrent loans | 419.5489% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,075 |
| Noncurrent loans to loans | 0.0886% | 3,861 |
| Net loans and leases to total assets | 47.4125% | 3,866 |
| Net loans and leases to deposits | 59.1643% | 3,548 |
| Net loans and leases to core deposits | 60.4400% | 3,673 |
| Total domestic deposits to total assets | 80.1370% | 4,186 |
| Equity capital to assets | 19.1710% | 217 |
| Core capital (leverage) ratio | 19.7729% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $625,917,500 | 1,399 |
| Average earning assets | $584,505,000 | 1,398 |
| Average equity | $121,055,500 | 854 |
| Average total loans | $303,147,500 | 1,728 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5073% | 4,843 |
| Cost of funding earning assets | 0.5253% | 2,779 |
| Net interest margin | 1.9820% | 4,832 |
| Noninterest income to average assets | 0.1745% | 4,414 |
| Noninterest expense to average assets | 1.8093% | 4,456 |
| Loan and lease loss provision to assets | 0.0331% | 3,985 |
| Net operating income to assets | 0.1812% | 4,597 |
| Return on assets (ROA) | 0.1835% | 4,649 |
| Pretax return on assets | 0.2004% | 4,651 |
| Return on Equity (ROE) | 0.9195% | 4,683 |
| Retained earnings to average equity (ytd only) | 0.9195% | 4,252 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6799% | 423 |
| Assets per employee ($millions) | 9.7057% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3645% | 4,874 |
| Loan loss allowance to noncurrent loans | 249.6644% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,979 |
| Noncurrent loans to loans | 0.1460% | 3,698 |
| Net loans and leases to total assets | 49.1088% | 3,899 |
| Net loans and leases to deposits | 61.5113% | 3,640 |
| Net loans and leases to core deposits | 62.8270% | 3,784 |
| Total domestic deposits to total assets | 79.8370% | 4,070 |
| Equity capital to assets | 19.5126% | 215 |
| Core capital (leverage) ratio | 20.0112% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,441,400 | 1,320 |
| Average earning assets | $568,969,600 | 1,310 |
| Average equity | $120,611,200 | 819 |
| Average total loans | $323,767,800 | 1,595 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5951% | 4,884 |
| Cost of funding earning assets | 0.5602% | 2,868 |
| Net interest margin | 2.0349% | 4,877 |
| Noninterest income to average assets | 0.1688% | 4,458 |
| Noninterest expense to average assets | 1.7994% | 4,503 |
| Loan and lease loss provision to assets | 0.0445% | 3,798 |
| Net operating income to assets | 0.2149% | 4,567 |
| Return on assets (ROA) | 0.2170% | 4,607 |
| Pretax return on assets | 0.2468% | 4,607 |
| Return on Equity (ROE) | 1.0814% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.0814% | 4,229 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1717% | 494 |
| Assets per employee ($millions) | 9.8317% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3562% | 4,906 |
| Loan loss allowance to noncurrent loans | 814.5985% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,362 |
| Noncurrent loans to loans | 0.0437% | 4,211 |
| Net loans and leases to total assets | 51.2167% | 4,017 |
| Net loans and leases to deposits | 64.4570% | 3,760 |
| Net loans and leases to core deposits | 65.9035% | 3,894 |
| Total domestic deposits to total assets | 79.4587% | 3,972 |
| Equity capital to assets | 19.8730% | 215 |
| Core capital (leverage) ratio | 20.1033% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $600,260,750 | 1,310 |
| Average earning assets | $566,174,750 | 1,302 |
| Average equity | $120,462,750 | 813 |
| Average total loans | $328,169,250 | 1,580 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6963% | 4,936 |
| Cost of funding earning assets | 0.5835% | 3,053 |
| Net interest margin | 2.1128% | 4,916 |
| Noninterest income to average assets | 0.1581% | 4,504 |
| Noninterest expense to average assets | 1.8010% | 4,555 |
| Loan and lease loss provision to assets | 0.0670% | 3,452 |
| Net operating income to assets | 0.1879% | 4,588 |
| Return on assets (ROA) | 0.1879% | 4,629 |
| Pretax return on assets | 0.2901% | 4,549 |
| Return on Equity (ROE) | 0.9336% | 4,696 |
| Retained earnings to average equity (ytd only) | 0.9336% | 4,116 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4549% | 671 |
| Assets per employee ($millions) | 9.8376% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3392% | 4,939 |
| Loan loss allowance to noncurrent loans | 519.0698% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,371 |
| Noncurrent loans to loans | 0.0653% | 4,216 |
| Net loans and leases to total assets | 53.7610% | 3,893 |
| Net loans and leases to deposits | 67.5823% | 3,602 |
| Net loans and leases to core deposits | 69.1286% | 3,769 |
| Total domestic deposits to total assets | 79.5489% | 3,930 |
| Equity capital to assets | 19.8117% | 220 |
| Core capital (leverage) ratio | 20.2770% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7074% | 107 |
| Memoranda: | ||
| Average total assets | $597,100,333 | 1,301 |
| Average earning assets | $565,226,000 | 1,282 |
| Average equity | $120,179,000 | 805 |
| Average total loans | $333,120,333 | 1,540 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8544% | 4,989 |
| Cost of funding earning assets | 0.6049% | 3,407 |
| Net interest margin | 2.2496% | 4,939 |
| Noninterest income to average assets | 0.1632% | 4,553 |
| Noninterest expense to average assets | 1.7986% | 4,669 |
| Loan and lease loss provision to assets | 0.0339% | 3,344 |
| Net operating income to assets | 0.3596% | 4,217 |
| Return on assets (ROA) | 0.3596% | 4,251 |
| Pretax return on assets | 0.4740% | 4,163 |
| Return on Equity (ROE) | 1.7722% | 4,491 |
| Retained earnings to average equity (ytd only) | 1.7722% | 3,521 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9800% | 1,337 |
| Assets per employee ($millions) | 9.2738% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2877% | 4,996 |
| Loan loss allowance to noncurrent loans | 525.0000% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,466 |
| Noncurrent loans to loans | 0.0548% | 4,332 |
| Net loans and leases to total assets | 56.4048% | 3,808 |
| Net loans and leases to deposits | 71.4119% | 3,486 |
| Net loans and leases to core deposits | 73.1086% | 3,688 |
| Total domestic deposits to total assets | 78.9852% | 4,056 |
| Equity capital to assets | 20.3680% | 229 |
| Core capital (leverage) ratio | 20.8203% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4187% | 102 |
| Memoranda: | ||
| Average total assets | $590,686,000 | 1,274 |
| Average earning assets | $562,775,000 | 1,249 |
| Average equity | $119,850,000 | 801 |
| Average total loans | $335,170,500 | 1,503 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 5,039 |
| Cost of funding earning assets | 0.5745% | 3,746 |
| Net interest margin | 2.4833% | 4,976 |
| Noninterest income to average assets | 0.1792% | 4,594 |
| Noninterest expense to average assets | 1.8257% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5329% | 4,329 |
| Return on assets (ROA) | 0.5329% | 4,380 |
| Pretax return on assets | 0.7179% | 4,166 |
| Return on Equity (ROE) | 2.6463% | 4,720 |
| Retained earnings to average equity (ytd only) | 2.6463% | 3,713 |
| Net charge-offs to loans | 0.0012% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,040.7500% | 96 |
| Efficiency ratio | 71.7763% | 1,903 |
| Assets per employee ($millions) | 8.6449% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2738% | 5,057 |
| Loan loss allowance to noncurrent loans | 340.5204% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,411 |
| Noncurrent loans to loans | 0.0804% | 4,200 |
| Net loans and leases to total assets | 56.7634% | 3,868 |
| Net loans and leases to deposits | 71.7086% | 3,541 |
| Net loans and leases to core deposits | 73.5258% | 3,757 |
| Total domestic deposits to total assets | 79.1585% | 4,158 |
| Equity capital to assets | 20.2112% | 248 |
| Core capital (leverage) ratio | 20.8032% | 206 |
| Tier 1 risk-based capital ratio | 46.9009% | 159 |
| Total risk-based capital ratio | 47.2566% | 167 |
| Memoranda: | ||
| Average total assets | $579,877,200 | 1,255 |
| Average earning assets | $552,132,400 | 1,229 |
| Average equity | $116,767,800 | 779 |
| Average total loans | $333,240,400 | 1,488 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0976% | 5,125 |
| Cost of funding earning assets | 0.5555% | 3,895 |
| Net interest margin | 2.5421% | 5,039 |
| Noninterest income to average assets | 0.1788% | 4,649 |
| Noninterest expense to average assets | 1.8047% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5761% | 4,359 |
| Return on assets (ROA) | 0.5761% | 4,404 |
| Pretax return on assets | 0.7941% | 4,128 |
| Return on Equity (ROE) | 2.8637% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.8637% | 3,946 |
| Net charge-offs to loans | 0.0016% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 861.0169% | 112 |
| Efficiency ratio | 69.4425% | 2,196 |
| Assets per employee ($millions) | 8.8235% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2807% | 5,126 |
| Loan loss allowance to noncurrent loans | 856.0748% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,654 |
| Noncurrent loans to loans | 0.0328% | 4,518 |
| Net loans and leases to total assets | 55.8765% | 4,055 |
| Net loans and leases to deposits | 70.6821% | 3,717 |
| Net loans and leases to core deposits | 72.4467% | 3,918 |
| Total domestic deposits to total assets | 79.0532% | 4,180 |
| Equity capital to assets | 20.2960% | 243 |
| Core capital (leverage) ratio | 20.7930% | 212 |
| Tier 1 risk-based capital ratio | 47.6104% | 156 |
| Total risk-based capital ratio | 47.9732% | 158 |
| Memoranda: | ||
| Average total assets | $577,883,500 | 1,262 |
| Average earning assets | $550,138,750 | 1,235 |
| Average equity | $116,256,750 | 782 |
| Average total loans | $332,900,250 | 1,492 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1165% | 5,180 |
| Cost of funding earning assets | 0.5206% | 4,031 |
| Net interest margin | 2.5960% | 5,076 |
| Noninterest income to average assets | 0.1766% | 4,688 |
| Noninterest expense to average assets | 1.7908% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6145% | 4,270 |
| Return on assets (ROA) | 0.6145% | 4,307 |
| Pretax return on assets | 0.8567% | 3,955 |
| Return on Equity (ROE) | 3.0637% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.0637% | 3,688 |
| Net charge-offs to loans | 0.0024% | 3,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 617.2500% | 127 |
| Efficiency ratio | 67.6409% | 2,594 |
| Assets per employee ($millions) | 8.4566% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2732% | 5,192 |
| 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 | 57.3130% | 3,978 |
| Net loans and leases to deposits | 72.2997% | 3,663 |
| Net loans and leases to core deposits | 73.9021% | 3,899 |
| Total domestic deposits to total assets | 79.2714% | 4,167 |
| Equity capital to assets | 20.1099% | 246 |
| Core capital (leverage) ratio | 20.7063% | 212 |
| Tier 1 risk-based capital ratio | 46.8592% | 158 |
| Total risk-based capital ratio | 47.2185% | 164 |
| Memoranda: | ||
| Average total assets | $576,394,000 | 1,266 |
| Average earning assets | $548,622,670 | 1,239 |
| Average equity | $115,611,000 | 780 |
| Average total loans | $335,095,670 | 1,490 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 5,236 |
| Cost of funding earning assets | 0.4717% | 4,197 |
| Net interest margin | 2.6418% | 5,110 |
| Noninterest income to average assets | 0.1732% | 4,699 |
| Noninterest expense to average assets | 1.8588% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5838% | 4,288 |
| Return on assets (ROA) | 0.5838% | 4,321 |
| Pretax return on assets | 0.8289% | 3,970 |
| Return on Equity (ROE) | 2.9143% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.9143% | 3,772 |
| Net charge-offs to loans | 0.0048% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 296.7500% | 275 |
| Efficiency ratio | 69.1608% | 2,480 |
| Assets per employee ($millions) | 8.2891% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2676% | 5,262 |
| Loan loss allowance to noncurrent loans | 1,106.1728% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,800 |
| Noncurrent loans to loans | 0.0242% | 4,674 |
| Net loans and leases to total assets | 57.5473% | 3,933 |
| Net loans and leases to deposits | 72.5196% | 3,565 |
| Net loans and leases to core deposits | 74.0439% | 3,793 |
| Total domestic deposits to total assets | 79.3541% | 4,286 |
| Equity capital to assets | 19.9198% | 240 |
| Core capital (leverage) ratio | 20.9733% | 197 |
| Tier 1 risk-based capital ratio | 46.6902% | 157 |
| Total risk-based capital ratio | 47.0432% | 162 |
| Memoranda: | ||
| Average total assets | $572,837,000 | 1,278 |
| Average earning assets | $545,234,500 | 1,245 |
| Average equity | $114,745,000 | 778 |
| Average total loans | $334,972,500 | 1,499 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9105% | 5,260 |
| Cost of funding earning assets | 0.3335% | 4,385 |
| Net interest margin | 2.5769% | 5,168 |
| Noninterest income to average assets | 0.1785% | 4,832 |
| Noninterest expense to average assets | 1.8192% | 4,987 |
| Loan and lease loss provision to assets | 0.0264% | 3,649 |
| Net operating income to assets | 0.5860% | 4,460 |
| Return on assets (ROA) | 0.5860% | 4,464 |
| Pretax return on assets | 0.7839% | 4,215 |
| Return on Equity (ROE) | 2.9659% | 4,903 |
| Retained earnings to average equity (ytd only) | 2.9659% | 3,920 |
| Net charge-offs to loans | 0.0033% | 3,623 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 460.8000% | 227 |
| Efficiency ratio | 69.1855% | 2,351 |
| Assets per employee ($millions) | 8.3153% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2685% | 5,298 |
| Loan loss allowance to noncurrent loans | 681.8182% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,755 |
| Noncurrent loans to loans | 0.0394% | 4,582 |
| Net loans and leases to total assets | 59.1115% | 3,860 |
| Net loans and leases to deposits | 74.6816% | 3,446 |
| Net loans and leases to core deposits | 76.2700% | 3,695 |
| Total domestic deposits to total assets | 79.1514% | 4,280 |
| Equity capital to assets | 20.1451% | 227 |
| Core capital (leverage) ratio | 21.1930% | 188 |
| Tier 1 risk-based capital ratio | 46.5729% | 156 |
| Total risk-based capital ratio | 46.9283% | 164 |
| Memoranda: | ||
| Average total assets | $568,725,400 | 1,250 |
| Average earning assets | $540,912,400 | 1,231 |
| Average equity | $112,378,800 | 761 |
| Average total loans | $305,966,200 | 1,572 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8589% | 5,337 |
| Cost of funding earning assets | 0.3102% | 4,450 |
| Net interest margin | 2.5488% | 5,254 |
| Noninterest income to average assets | 0.1760% | 4,905 |
| Noninterest expense to average assets | 1.8016% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5972% | 4,511 |
| Return on assets (ROA) | 0.5972% | 4,519 |
| Pretax return on assets | 0.7983% | 4,295 |
| Return on Equity (ROE) | 3.0369% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.0369% | 4,220 |
| Net charge-offs to loans | 0.0045% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 341.0765% | 276 |
| Efficiency ratio | 69.2959% | 2,304 |
| Assets per employee ($millions) | 8.3724% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2365% | 5,388 |
| Loan loss allowance to noncurrent loans | 581.3953% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,873 |
| Noncurrent loans to loans | 0.0407% | 4,715 |
| Net loans and leases to total assets | 56.4031% | 4,178 |
| Net loans and leases to deposits | 71.0766% | 3,842 |
| Net loans and leases to core deposits | 72.3510% | 4,056 |
| Total domestic deposits to total assets | 79.3554% | 4,243 |
| Equity capital to assets | 19.9431% | 231 |
| Core capital (leverage) ratio | 20.8928% | 199 |
| Tier 1 risk-based capital ratio | 46.7402% | 163 |
| Total risk-based capital ratio | 47.0405% | 168 |
| Memoranda: | ||
| Average total assets | $569,547,250 | 1,254 |
| Average earning assets | $541,634,500 | 1,235 |
| Average equity | $111,996,500 | 761 |
| Average total loans | $298,673,000 | 1,609 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8007% | 5,403 |
| Cost of funding earning assets | 0.2941% | 4,453 |
| Net interest margin | 2.5065% | 5,341 |
| Noninterest income to average assets | 0.1730% | 4,959 |
| Noninterest expense to average assets | 1.7777% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5859% | 4,542 |
| Return on assets (ROA) | 0.5859% | 4,539 |
| Pretax return on assets | 0.7802% | 4,305 |
| Return on Equity (ROE) | 2.9936% | 5,030 |
| Retained earnings to average equity (ytd only) | 2.9936% | 4,060 |
| Net charge-offs to loans | 0.0068% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 223.3000% | 397 |
| Efficiency ratio | 69.4987% | 2,394 |
| Assets per employee ($millions) | 8.2755% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2431% | 5,444 |
| Loan loss allowance to noncurrent loans | 281.9549% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 4,793 |
| Noncurrent loans to loans | 0.0862% | 4,524 |
| Net loans and leases to total assets | 53.9001% | 4,346 |
| Net loans and leases to deposits | 67.5258% | 4,051 |
| Net loans and leases to core deposits | 68.8074% | 4,212 |
| Total domestic deposits to total assets | 79.8214% | 4,270 |
| Equity capital to assets | 19.4912% | 244 |
| Core capital (leverage) ratio | 20.4323% | 206 |
| Tier 1 risk-based capital ratio | 46.5673% | 160 |
| Total risk-based capital ratio | 46.8687% | 166 |
| Memoranda: | ||
| Average total assets | $572,412,670 | 1,253 |
| Average earning assets | $544,654,000 | 1,230 |
| Average equity | $112,038,330 | 758 |
| Average total loans | $292,516,000 | 1,638 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7443% | 5,470 |
| Cost of funding earning assets | 0.2807% | 4,502 |
| Net interest margin | 2.4636% | 5,417 |
| Noninterest income to average assets | 0.1703% | 4,999 |
| Noninterest expense to average assets | 1.8544% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5074% | 4,677 |
| Return on assets (ROA) | 0.5074% | 4,683 |
| Pretax return on assets | 0.6623% | 4,538 |
| Return on Equity (ROE) | 2.5870% | 5,097 |
| Retained earnings to average equity (ytd only) | 2.5870% | 4,139 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6828% | 1,935 |
| Assets per employee ($millions) | 8.4543% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2627% | 5,501 |
| Loan loss allowance to noncurrent loans | 3,040.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,120 |
| Noncurrent loans to loans | 0.0086% | 4,974 |
| Net loans and leases to total assets | 50.1914% | 4,545 |
| Net loans and leases to deposits | 63.0821% | 4,268 |
| Net loans and leases to core deposits | 64.2863% | 4,407 |
| Total domestic deposits to total assets | 79.5652% | 4,484 |
| Equity capital to assets | 19.6157% | 230 |
| Core capital (leverage) ratio | 20.4915% | 196 |
| Tier 1 risk-based capital ratio | 46.9311% | 152 |
| Total risk-based capital ratio | 47.2414% | 160 |
| Memoranda: | ||
| Average total assets | $573,113,000 | 1,265 |
| Average earning assets | $545,865,000 | 1,235 |
| Average equity | $112,409,000 | 761 |
| Average total loans | $284,511,000 | 1,680 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6066% | 5,528 |
| Cost of funding earning assets | 0.2466% | 4,596 |
| Net interest margin | 2.3601% | 5,482 |
| Noninterest income to average assets | 0.1796% | 5,058 |
| Noninterest expense to average assets | 1.8156% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4122% | 4,650 |
| Return on assets (ROA) | 0.4142% | 4,671 |
| Pretax return on assets | 0.6159% | 4,705 |
| Return on Equity (ROE) | 2.1416% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.1416% | 4,033 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7615% | 1,790 |
| Assets per employee ($millions) | 8.2802% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2717% | 5,561 |
| Loan loss allowance to noncurrent loans | 186.7322% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,762 |
| Noncurrent loans to loans | 0.1455% | 4,341 |
| Net loans and leases to total assets | 48.8253% | 4,716 |
| Net loans and leases to deposits | 61.3491% | 4,491 |
| Net loans and leases to core deposits | 62.4517% | 4,635 |
| Total domestic deposits to total assets | 79.5860% | 4,421 |
| Equity capital to assets | 19.6119% | 224 |
| Core capital (leverage) ratio | 20.3451% | 191 |
| Tier 1 risk-based capital ratio | 47.9927% | 131 |
| Total risk-based capital ratio | 48.3125% | 135 |
| Memoranda: | ||
| Average total assets | $574,122,600 | 1,245 |
| Average earning assets | $547,102,000 | 1,213 |
| Average equity | $111,038,000 | 742 |
| Average total loans | $266,934,600 | 1,724 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5805% | 5,597 |
| Cost of funding earning assets | 0.2390% | 4,662 |
| Net interest margin | 2.3415% | 5,553 |
| Noninterest income to average assets | 0.1791% | 5,121 |
| Noninterest expense to average assets | 1.8108% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4076% | 4,984 |
| Return on assets (ROA) | 0.4103% | 5,009 |
| Pretax return on assets | 0.6040% | 4,833 |
| Return on Equity (ROE) | 2.1290% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.1290% | 4,587 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1106% | 1,720 |
| Assets per employee ($millions) | 8.2445% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2771% | 5,629 |
| Loan loss allowance to noncurrent loans | 204.3011% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,906 |
| Noncurrent loans to loans | 0.1356% | 4,513 |
| Net loans and leases to total assets | 48.0850% | 4,819 |
| Net loans and leases to deposits | 60.4727% | 4,614 |
| Net loans and leases to core deposits | 61.3465% | 4,747 |
| Total domestic deposits to total assets | 79.5153% | 4,436 |
| Equity capital to assets | 19.6844% | 241 |
| Core capital (leverage) ratio | 20.1533% | 205 |
| Tier 1 risk-based capital ratio | 48.7038% | 134 |
| Total risk-based capital ratio | 49.0304% | 139 |
| Memoranda: | ||
| Average total assets | $574,820,000 | 1,252 |
| Average earning assets | $547,897,250 | 1,218 |
| Average equity | $110,785,250 | 746 |
| Average total loans | $263,739,500 | 1,753 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5470% | 5,647 |
| Cost of funding earning assets | 0.2360% | 4,676 |
| Net interest margin | 2.3110% | 5,604 |
| Noninterest income to average assets | 0.1772% | 5,167 |
| Noninterest expense to average assets | 1.8152% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3904% | 4,997 |
| Return on assets (ROA) | 0.3904% | 5,026 |
| Pretax return on assets | 0.5655% | 4,869 |
| Return on Equity (ROE) | 2.0401% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.0401% | 4,439 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2453% | 1,680 |
| Assets per employee ($millions) | 8.1626% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2830% | 5,674 |
| Loan loss allowance to noncurrent loans | 134.2756% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,799 |
| Noncurrent loans to loans | 0.2107% | 4,277 |
| Net loans and leases to total assets | 46.8742% | 4,892 |
| Net loans and leases to deposits | 58.7849% | 4,713 |
| Net loans and leases to core deposits | 59.5584% | 4,841 |
| Total domestic deposits to total assets | 79.7384% | 4,472 |
| Equity capital to assets | 19.4859% | 245 |
| Core capital (leverage) ratio | 19.7391% | 210 |
| Tier 1 risk-based capital ratio | 48.3565% | 135 |
| Total risk-based capital ratio | 48.6827% | 138 |
| Memoranda: | ||
| Average total assets | $576,802,670 | 1,253 |
| Average earning assets | $549,972,330 | 1,215 |
| Average equity | $110,387,330 | 747 |
| Average total loans | $260,218,670 | 1,765 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5149% | 5,713 |
| Cost of funding earning assets | 0.2337% | 4,684 |
| Net interest margin | 2.2812% | 5,671 |
| Noninterest income to average assets | 0.1732% | 5,240 |
| Noninterest expense to average assets | 1.8084% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3852% | 4,987 |
| Return on assets (ROA) | 0.3852% | 5,013 |
| Pretax return on assets | 0.5411% | 4,862 |
| Return on Equity (ROE) | 2.0307% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.0307% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9683% | 1,761 |
| Assets per employee ($millions) | 8.3463% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2933% | 5,744 |
| Loan loss allowance to noncurrent loans | 389.7436% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,175 |
| Noncurrent loans to loans | 0.0753% | 4,900 |
| Net loans and leases to total assets | 44.2194% | 5,024 |
| Net loans and leases to deposits | 55.0844% | 4,874 |
| Net loans and leases to core deposits | 55.7882% | 4,987 |
| Total domestic deposits to total assets | 80.2758% | 4,564 |
| Equity capital to assets | 18.8601% | 255 |
| Core capital (leverage) ratio | 19.6925% | 207 |
| Tier 1 risk-based capital ratio | 47.7901% | 148 |
| Total risk-based capital ratio | 48.1140% | 151 |
| Memoranda: | ||
| Average total assets | $579,513,500 | 1,246 |
| Average earning assets | $552,869,500 | 1,203 |
| Average equity | $109,911,500 | 750 |
| Average total loans | $256,033,000 | 1,797 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4267% | 5,782 |
| Cost of funding earning assets | 0.2263% | 4,770 |
| Net interest margin | 2.2005% | 5,751 |
| Noninterest income to average assets | 0.1574% | 5,425 |
| Noninterest expense to average assets | 1.7651% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3347% | 5,130 |
| Return on assets (ROA) | 0.3347% | 5,202 |
| Pretax return on assets | 0.4861% | 5,051 |
| Return on Equity (ROE) | 1.7473% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.7473% | 4,532 |
| Net charge-offs to loans | 0.0142% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 79.0857% | 721 |
| Efficiency ratio | 78.4071% | 1,643 |
| Assets per employee ($millions) | 8.2112% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3004% | 5,800 |
| Loan loss allowance to noncurrent loans | 157.0248% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 5,003 |
| Noncurrent loans to loans | 0.1913% | 4,478 |
| Net loans and leases to total assets | 43.8768% | 5,125 |
| Net loans and leases to deposits | 54.7934% | 4,976 |
| Net loans and leases to core deposits | 55.4818% | 5,071 |
| Total domestic deposits to total assets | 80.0769% | 4,559 |
| Equity capital to assets | 19.0739% | 241 |
| Core capital (leverage) ratio | 19.8082% | 201 |
| Tier 1 risk-based capital ratio | 48.2991% | 147 |
| Total risk-based capital ratio | 48.6281% | 153 |
| Memoranda: | ||
| Average total assets | $569,426,000 | 1,225 |
| Average earning assets | $541,840,600 | 1,185 |
| Average equity | $109,083,200 | 736 |
| Average total loans | $246,638,400 | 1,808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4303% | 5,842 |
| Cost of funding earning assets | 0.2230% | 4,855 |
| Net interest margin | 2.2074% | 5,816 |
| Noninterest income to average assets | 0.1544% | 5,501 |
| Noninterest expense to average assets | 1.7685% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3363% | 5,197 |
| Return on assets (ROA) | 0.3363% | 5,272 |
| Pretax return on assets | 0.4842% | 5,161 |
| Return on Equity (ROE) | 1.7537% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.7537% | 4,803 |
| Net charge-offs to loans | 0.0190% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 58.9372% | 973 |
| Efficiency ratio | 78.5059% | 1,615 |
| Assets per employee ($millions) | 8.2895% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3079% | 5,852 |
| Loan loss allowance to noncurrent loans | 108.4165% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,938 |
| Noncurrent loans to loans | 0.2840% | 4,246 |
| Net loans and leases to total assets | 43.0247% | 5,251 |
| Net loans and leases to deposits | 53.7455% | 5,127 |
| Net loans and leases to core deposits | 54.3945% | 5,213 |
| Total domestic deposits to total assets | 80.0527% | 4,501 |
| Equity capital to assets | 19.0852% | 261 |
| Core capital (leverage) ratio | 19.7211% | 206 |
| Tier 1 risk-based capital ratio | 49.6511% | 134 |
| Total risk-based capital ratio | 49.9898% | 144 |
| Memoranda: | ||
| Average total assets | $568,086,500 | 1,228 |
| Average earning assets | $539,997,250 | 1,192 |
| Average equity | $108,945,500 | 739 |
| Average total loans | $245,058,750 | 1,823 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4438% | 5,913 |
| Cost of funding earning assets | 0.2200% | 4,939 |
| Net interest margin | 2.2238% | 5,892 |
| Noninterest income to average assets | 0.1531% | 5,540 |
| Noninterest expense to average assets | 1.7640% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3497% | 5,182 |
| Return on assets (ROA) | 0.3497% | 5,265 |
| Pretax return on assets | 0.4937% | 5,143 |
| Return on Equity (ROE) | 1.8205% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.8205% | 4,643 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1338% | 1,768 |
| Assets per employee ($millions) | 7.9955% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3227% | 5,929 |
| Loan loss allowance to noncurrent loans | 597.7444% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 5,500 |
| Noncurrent loans to loans | 0.0540% | 5,244 |
| Net loans and leases to total assets | 43.2565% | 5,273 |
| Net loans and leases to deposits | 54.0722% | 5,134 |
| Net loans and leases to core deposits | 54.6105% | 5,247 |
| Total domestic deposits to total assets | 79.9977% | 4,548 |
| Equity capital to assets | 19.1523% | 253 |
| Core capital (leverage) ratio | 19.7625% | 205 |
| Tier 1 risk-based capital ratio | 49.4294% | 137 |
| Total risk-based capital ratio | 49.7830% | 140 |
| Memoranda: | ||
| Average total assets | $566,790,000 | 1,239 |
| Average earning assets | $536,382,000 | 1,208 |
| Average equity | $108,873,000 | 740 |
| Average total loans | $244,461,330 | 1,832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4712% | 5,975 |
| Cost of funding earning assets | 0.2189% | 5,014 |
| Net interest margin | 2.2523% | 5,943 |
| Noninterest income to average assets | 0.1504% | 5,587 |
| Noninterest expense to average assets | 1.7594% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3764% | 5,066 |
| Return on assets (ROA) | 0.3764% | 5,139 |
| Pretax return on assets | 0.4986% | 5,093 |
| Return on Equity (ROE) | 1.9569% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.9569% | 4,470 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9168% | 1,907 |
| Assets per employee ($millions) | 7.9781% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3234% | 5,996 |
| Loan loss allowance to noncurrent loans | 436.8132% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,515 |
| Noncurrent loans to loans | 0.0740% | 5,182 |
| Net loans and leases to total assets | 43.2620% | 5,285 |
| Net loans and leases to deposits | 53.9813% | 5,101 |
| Net loans and leases to core deposits | 54.5158% | 5,215 |
| Total domestic deposits to total assets | 80.1426% | 4,715 |
| Equity capital to assets | 19.2801% | 244 |
| Core capital (leverage) ratio | 19.8196% | 206 |
| Tier 1 risk-based capital ratio | 49.8766% | 134 |
| Total risk-based capital ratio | 50.2344% | 137 |
| Memoranda: | ||
| Average total assets | $566,344,500 | 1,242 |
| Average earning assets | $529,946,000 | 1,222 |
| Average equity | $108,947,500 | 743 |
| Average total loans | $243,515,000 | 1,839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5158% | 5,994 |
| Cost of funding earning assets | 0.2046% | 5,248 |
| Net interest margin | 2.3112% | 5,939 |
| Noninterest income to average assets | 0.1294% | 5,766 |
| Noninterest expense to average assets | 1.7762% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3353% | 5,257 |
| Return on assets (ROA) | 0.3353% | 5,343 |
| Pretax return on assets | 0.5388% | 5,020 |
| Return on Equity (ROE) | 1.7573% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.7573% | 4,729 |
| Net charge-offs to loans | 0.0220% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 57.4906% | 896 |
| Efficiency ratio | 76.7245% | 2,161 |
| Assets per employee ($millions) | 7.9753% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3296% | 6,039 |
| Loan loss allowance to noncurrent loans | 325.8197% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,509 |
| Noncurrent loans to loans | 0.1012% | 5,095 |
| Net loans and leases to total assets | 42.4525% | 5,379 |
| Net loans and leases to deposits | 52.8830% | 5,225 |
| Net loans and leases to core deposits | 53.4373% | 5,348 |
| Total domestic deposits to total assets | 80.2762% | 4,672 |
| Equity capital to assets | 19.1938% | 243 |
| Core capital (leverage) ratio | 19.8140% | 201 |
| Tier 1 risk-based capital ratio | 49.7022% | 129 |
| Total risk-based capital ratio | 50.0605% | 135 |
| Memoranda: | ||
| Average total assets | $565,480,600 | 1,210 |
| Average earning assets | $534,741,800 | 1,175 |
| Average equity | $107,892,800 | 714 |
| Average total loans | $240,800,000 | 1,793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5434% | 6,070 |
| Cost of funding earning assets | 0.2019% | 5,355 |
| Net interest margin | 2.3414% | 6,009 |
| Noninterest income to average assets | 0.1212% | 5,870 |
| Noninterest expense to average assets | 1.7652% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3585% | 5,293 |
| Return on assets (ROA) | 0.3585% | 5,381 |
| Pretax return on assets | 0.5741% | 5,034 |
| Return on Equity (ROE) | 1.8818% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.8818% | 4,943 |
| Net charge-offs to loans | 0.0194% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 69.5361% | 819 |
| Efficiency ratio | 75.4588% | 2,326 |
| Assets per employee ($millions) | 7.8818% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3385% | 6,122 |
| Loan loss allowance to noncurrent loans | 116.9784% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,256 |
| Noncurrent loans to loans | 0.2894% | 4,547 |
| Net loans and leases to total assets | 42.7685% | 5,444 |
| Net loans and leases to deposits | 53.4123% | 5,294 |
| Net loans and leases to core deposits | 53.9170% | 5,408 |
| Total domestic deposits to total assets | 80.0722% | 4,736 |
| Equity capital to assets | 19.3552% | 259 |
| Core capital (leverage) ratio | 19.6570% | 220 |
| Tier 1 risk-based capital ratio | 51.1923% | 127 |
| Total risk-based capital ratio | 51.5713% | 129 |
| Memoranda: | ||
| Average total assets | $565,289,500 | 1,215 |
| Average earning assets | $535,500,750 | 1,184 |
| Average equity | $107,695,000 | 728 |
| Average total loans | $240,705,000 | 1,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5524% | 6,139 |
| Cost of funding earning assets | 0.1977% | 5,455 |
| Net interest margin | 2.3547% | 6,067 |
| Noninterest income to average assets | 0.1195% | 5,943 |
| Noninterest expense to average assets | 1.7303% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3960% | 5,150 |
| Return on assets (ROA) | 0.3960% | 5,255 |
| Pretax return on assets | 0.6361% | 4,874 |
| Return on Equity (ROE) | 2.0895% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.0895% | 4,658 |
| Net charge-offs to loans | 0.0017% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 902.0000% | 64 |
| Efficiency ratio | 73.1188% | 2,813 |
| Assets per employee ($millions) | 7.6902% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3542% | 6,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.3974% | 5,478 |
| Net loans and leases to deposits | 52.8372% | 5,329 |
| Net loans and leases to core deposits | 53.3329% | 5,465 |
| Total domestic deposits to total assets | 80.2416% | 4,809 |
| Equity capital to assets | 19.2247% | 255 |
| Core capital (leverage) ratio | 19.4498% | 224 |
| Tier 1 risk-based capital ratio | 50.7576% | 141 |
| Total risk-based capital ratio | 51.1514% | 145 |
| Memoranda: | ||
| Average total assets | $567,182,330 | 1,214 |
| Average earning assets | $541,214,330 | 1,169 |
| Average equity | $107,488,670 | 723 |
| Average total loans | $240,890,000 | 1,805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5570% | 6,200 |
| Cost of funding earning assets | 0.1958% | 5,549 |
| Net interest margin | 2.3612% | 6,114 |
| Noninterest income to average assets | 0.1151% | 6,018 |
| Noninterest expense to average assets | 1.7366% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4028% | 5,062 |
| Return on assets (ROA) | 0.4028% | 5,173 |
| Pretax return on assets | 0.6462% | 4,778 |
| Return on Equity (ROE) | 2.1404% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.1404% | 4,606 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8799% | 3,013 |
| Assets per employee ($millions) | 8.0104% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3545% | 6,261 |
| Loan loss allowance to noncurrent loans | 250.1475% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 5,698 |
| Noncurrent loans to loans | 0.1417% | 5,270 |
| Net loans and leases to total assets | 41.9059% | 5,492 |
| Net loans and leases to deposits | 52.0005% | 5,333 |
| Net loans and leases to core deposits | 52.5963% | 5,447 |
| Total domestic deposits to total assets | 80.5874% | 4,920 |
| Equity capital to assets | 18.9106% | 269 |
| Core capital (leverage) ratio | 19.3125% | 234 |
| Tier 1 risk-based capital ratio | 50.6281% | 149 |
| Total risk-based capital ratio | 51.0238% | 157 |
| Memoranda: | ||
| Average total assets | $570,080,500 | 1,212 |
| Average earning assets | $547,524,000 | 1,157 |
| Average equity | $107,270,500 | 719 |
| Average total loans | $241,905,500 | 1,795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6521% | 6,284 |
| Cost of funding earning assets | 0.2116% | 5,653 |
| Net interest margin | 2.4405% | 6,202 |
| Noninterest income to average assets | 0.1221% | 6,079 |
| Noninterest expense to average assets | 1.7495% | 6,116 |
| Loan and lease loss provision to assets | 0.0087% | 4,451 |
| Net operating income to assets | 0.4670% | 4,935 |
| Return on assets (ROA) | 0.4670% | 5,038 |
| Pretax return on assets | 0.7466% | 4,456 |
| Return on Equity (ROE) | 2.5401% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.5401% | 4,431 |
| Net charge-offs to loans | 0.0300% | 4,225 |
| Credit loss provision to net charge-offs | 68.4932% | 3,109 |
| Earnings coverage of net charge-offs (x) | 59.3973% | 801 |
| Efficiency ratio | 69.8470% | 3,556 |
| Assets per employee ($millions) | 8.1632% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3466% | 6,355 |
| Loan loss allowance to noncurrent loans | 504.7619% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,925 |
| Noncurrent loans to loans | 0.0687% | 5,605 |
| Net loans and leases to total assets | 42.6620% | 5,568 |
| Net loans and leases to deposits | 52.7953% | 5,423 |
| Net loans and leases to core deposits | 53.3973% | 5,535 |
| Total domestic deposits to total assets | 80.8065% | 4,792 |
| Equity capital to assets | 18.7233% | 278 |
| Core capital (leverage) ratio | 19.0903% | 243 |
| Tier 1 risk-based capital ratio | 51.0791% | 130 |
| Total risk-based capital ratio | 51.4808% | 133 |
| Memoranda: | ||
| Average total assets | $574,101,800 | 1,152 |
| Average earning assets | $560,497,200 | 1,084 |
| Average equity | $105,546,200 | 690 |
| Average total loans | $243,658,200 | 1,731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6738% | 6,347 |
| Cost of funding earning assets | 0.2150% | 5,715 |
| Net interest margin | 2.4588% | 6,260 |
| Noninterest income to average assets | 0.1204% | 6,161 |
| Noninterest expense to average assets | 1.7226% | 6,190 |
| Loan and lease loss provision to assets | 0.0116% | 4,186 |
| Net operating income to assets | 0.4874% | 4,917 |
| Return on assets (ROA) | 0.4874% | 4,985 |
| Pretax return on assets | 0.7896% | 4,398 |
| Return on Equity (ROE) | 2.6632% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.6632% | 4,701 |
| Net charge-offs to loans | 0.0340% | 3,807 |
| Credit loss provision to net charge-offs | 80.6452% | 2,582 |
| Earnings coverage of net charge-offs (x) | 55.7128% | 916 |
| Efficiency ratio | 68.2537% | 3,817 |
| Assets per employee ($millions) | 8.0226% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3448% | 6,442 |
| Loan loss allowance to noncurrent loans | 1,651.9231% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,151 |
| Noncurrent loans to loans | 0.0209% | 5,940 |
| Net loans and leases to total assets | 43.5924% | 5,547 |
| Net loans and leases to deposits | 53.9586% | 5,391 |
| Net loans and leases to core deposits | 54.5851% | 5,529 |
| Total domestic deposits to total assets | 80.7886% | 4,883 |
| Equity capital to assets | 18.6768% | 290 |
| Core capital (leverage) ratio | 19.0492% | 252 |
| Tier 1 risk-based capital ratio | 50.5679% | 128 |
| Total risk-based capital ratio | 50.9719% | 134 |
| Memoranda: | ||
| Average total assets | $574,771,750 | 1,155 |
| Average earning assets | $561,827,500 | 1,090 |
| Average equity | $105,185,500 | 692 |
| Average total loans | $243,415,750 | 1,744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6780% | 6,407 |
| Cost of funding earning assets | 0.2176% | 5,772 |
| Net interest margin | 2.4604% | 6,313 |
| Noninterest income to average assets | 0.1186% | 6,207 |
| Noninterest expense to average assets | 1.7131% | 6,254 |
| Loan and lease loss provision to assets | 0.0173% | 3,914 |
| Net operating income to assets | 0.4885% | 4,853 |
| Return on assets (ROA) | 0.4885% | 4,927 |
| Pretax return on assets | 0.7931% | 4,302 |
| Return on Equity (ROE) | 2.6874% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.6874% | 4,497 |
| Net charge-offs to loans | 0.0489% | 3,271 |
| Credit loss provision to net charge-offs | 84.7458% | 2,264 |
| Earnings coverage of net charge-offs (x) | 39.5932% | 1,069 |
| Efficiency ratio | 67.8856% | 4,030 |
| Assets per employee ($millions) | 7.8661% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3472% | 6,514 |
| Loan loss allowance to noncurrent loans | 446.6321% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 6,104 |
| Noncurrent loans to loans | 0.0777% | 5,789 |
| Net loans and leases to total assets | 43.0866% | 5,598 |
| Net loans and leases to deposits | 53.1188% | 5,412 |
| Net loans and leases to core deposits | 53.7598% | 5,568 |
| Total domestic deposits to total assets | 81.1138% | 4,941 |
| Equity capital to assets | 18.4066% | 301 |
| Core capital (leverage) ratio | 18.7755% | 259 |
| Tier 1 risk-based capital ratio | 49.9490% | 133 |
| Total risk-based capital ratio | 50.3521% | 137 |
| Memoranda: | ||
| Average total assets | $576,494,330 | 1,147 |
| Average earning assets | $563,485,000 | 1,087 |
| Average equity | $104,786,000 | 695 |
| Average total loans | $241,500,000 | 1,751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6576% | 6,494 |
| Cost of funding earning assets | 0.2218% | 5,836 |
| Net interest margin | 2.4358% | 6,391 |
| Noninterest income to average assets | 0.1163% | 6,268 |
| Noninterest expense to average assets | 1.7444% | 6,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4730% | 4,822 |
| Return on assets (ROA) | 0.4730% | 4,900 |
| Pretax return on assets | 0.7527% | 4,297 |
| Return on Equity (ROE) | 2.6186% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.6186% | 4,504 |
| Net charge-offs to loans | 0.0202% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 90.5833% | 494 |
| Efficiency ratio | 69.8558% | 3,865 |
| Assets per employee ($millions) | 7.6893% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 6,589 |
| Loan loss allowance to noncurrent loans | 311.2319% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 6,134 |
| Noncurrent loans to loans | 0.1138% | 5,784 |
| Net loans and leases to total assets | 41.9117% | 5,678 |
| Net loans and leases to deposits | 51.5918% | 5,482 |
| Net loans and leases to core deposits | 52.2098% | 5,605 |
| Total domestic deposits to total assets | 81.2371% | 5,168 |
| Equity capital to assets | 18.1506% | 317 |
| Core capital (leverage) ratio | 18.5691% | 273 |
| Tier 1 risk-based capital ratio | 49.8216% | 136 |
| Total risk-based capital ratio | 50.2249% | 144 |
| Memoranda: | ||
| Average total assets | $577,630,500 | 1,156 |
| Average earning assets | $564,574,000 | 1,094 |
| Average equity | $104,331,500 | 699 |
| Average total loans | $238,112,500 | 1,773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5844% | 6,594 |
| Cost of funding earning assets | 0.3398% | 5,247 |
| Net interest margin | 2.2445% | 6,555 |
| Noninterest income to average assets | 0.1036% | 6,376 |
| Noninterest expense to average assets | 1.8058% | 6,308 |
| Loan and lease loss provision to assets | 0.0170% | 4,790 |
| Net operating income to assets | 0.3072% | 5,499 |
| Return on assets (ROA) | 0.3072% | 5,595 |
| Pretax return on assets | 0.4839% | 5,247 |
| Return on Equity (ROE) | 1.7535% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.7535% | 4,983 |
| Net charge-offs to loans | 0.1645% | 3,167 |
| Credit loss provision to net charge-offs | 26.8097% | 4,316 |
| Earnings coverage of net charge-offs (x) | 7.8794% | 2,769 |
| Efficiency ratio | 78.2827% | 2,423 |
| Assets per employee ($millions) | 7.7142% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3728% | 6,656 |
| Loan loss allowance to noncurrent loans | 243.9776% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 6,178 |
| Noncurrent loans to loans | 0.1528% | 5,737 |
| Net loans and leases to total assets | 40.2361% | 5,943 |
| Net loans and leases to deposits | 49.3986% | 5,805 |
| Net loans and leases to core deposits | 49.9983% | 5,936 |
| Total domestic deposits to total assets | 81.4519% | 5,053 |
| Equity capital to assets | 17.9736% | 323 |
| Core capital (leverage) ratio | 18.3910% | 278 |
| Tier 1 risk-based capital ratio | 50.0760% | 134 |
| Total risk-based capital ratio | 50.4897% | 138 |
| Memoranda: | ||
| Average total assets | $586,677,200 | 1,132 |
| Average earning assets | $575,850,000 | 1,061 |
| Average equity | $102,764,800 | 692 |
| Average total loans | $226,779,800 | 1,806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5576% | 6,678 |
| Cost of funding earning assets | 0.3619% | 5,178 |
| Net interest margin | 2.1958% | 6,650 |
| Noninterest income to average assets | 0.0999% | 6,482 |
| Noninterest expense to average assets | 1.8148% | 6,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2754% | 5,689 |
| Return on assets (ROA) | 0.2754% | 5,798 |
| Pretax return on assets | 0.4425% | 5,517 |
| Return on Equity (ROE) | 1.5824% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.5824% | 5,340 |
| Net charge-offs to loans | 0.1807% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.4065% | 2,980 |
| Efficiency ratio | 80.3953% | 2,043 |
| Assets per employee ($millions) | 7.6570% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3642% | 6,744 |
| Loan loss allowance to noncurrent loans | 292.3345% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 6,313 |
| Noncurrent loans to loans | 0.1246% | 5,951 |
| Net loans and leases to total assets | 39.4373% | 6,073 |
| Net loans and leases to deposits | 48.3169% | 5,939 |
| Net loans and leases to core deposits | 48.9271% | 6,074 |
| Total domestic deposits to total assets | 81.6221% | 5,050 |
| Equity capital to assets | 17.7691% | 345 |
| Core capital (leverage) ratio | 18.1839% | 289 |
| Tier 1 risk-based capital ratio | 50.4039% | 133 |
| Total risk-based capital ratio | 50.8069% | 138 |
| Memoranda: | ||
| Average total assets | $588,705,250 | 1,144 |
| Average earning assets | $578,433,750 | 1,061 |
| Average equity | $102,458,750 | 699 |
| Average total loans | $225,059,000 | 1,822 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5570% | 6,716 |
| Cost of funding earning assets | 0.3828% | 5,110 |
| Net interest margin | 2.1742% | 6,696 |
| Noninterest income to average assets | 0.0975% | 6,535 |
| Noninterest expense to average assets | 1.8167% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2559% | 5,760 |
| Return on assets (ROA) | 0.2559% | 5,888 |
| Pretax return on assets | 0.4163% | 5,604 |
| Return on Equity (ROE) | 1.4803% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.4803% | 5,280 |
| Net charge-offs to loans | 0.2884% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.8199% | 3,291 |
| Efficiency ratio | 81.3580% | 1,982 |
| Assets per employee ($millions) | 7.6166% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 6,787 |
| Loan loss allowance to noncurrent loans | 270.3947% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 6,236 |
| Noncurrent loans to loans | 0.1381% | 5,978 |
| Net loans and leases to total assets | 37.3994% | 6,214 |
| Net loans and leases to deposits | 45.6629% | 6,128 |
| Net loans and leases to core deposits | 46.2588% | 6,225 |
| Total domestic deposits to total assets | 81.9032% | 5,088 |
| Equity capital to assets | 17.5551% | 360 |
| Core capital (leverage) ratio | 17.9646% | 288 |
| Tier 1 risk-based capital ratio | 50.6680% | 123 |
| Total risk-based capital ratio | 51.0667% | 126 |
| Memoranda: | ||
| Average total assets | $590,963,000 | 1,137 |
| Average earning assets | $580,448,000 | 1,060 |
| Average equity | $102,143,670 | 704 |
| Average total loans | $223,299,670 | 1,832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6270% | 6,772 |
| Cost of funding earning assets | 0.3998% | 5,101 |
| Net interest margin | 2.2272% | 6,740 |
| Noninterest income to average assets | 0.0937% | 6,596 |
| Noninterest expense to average assets | 1.8220% | 6,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2825% | 5,618 |
| Return on assets (ROA) | 0.2825% | 5,742 |
| Pretax return on assets | 0.4579% | 5,394 |
| Return on Equity (ROE) | 1.6474% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.6474% | 5,155 |
| Net charge-offs to loans | 0.1743% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,145 |
| Efficiency ratio | 79.9172% | 2,343 |
| Assets per employee ($millions) | 7.5074% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 6,812 |
| Loan loss allowance to noncurrent loans | 152.7007% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 5,745 |
| Noncurrent loans to loans | 0.3087% | 5,629 |
| Net loans and leases to total assets | 37.2375% | 6,202 |
| Net loans and leases to deposits | 45.3548% | 6,097 |
| Net loans and leases to core deposits | 45.9734% | 6,211 |
| Total domestic deposits to total assets | 82.1028% | 5,159 |
| Equity capital to assets | 17.1894% | 411 |
| Core capital (leverage) ratio | 17.7077% | 303 |
| Tier 1 risk-based capital ratio | 49.6560% | 136 |
| Total risk-based capital ratio | 50.1534% | 139 |
| Memoranda: | ||
| Average total assets | $593,204,500 | 1,140 |
| Average earning assets | $582,263,000 | 1,065 |
| Average equity | $101,737,000 | 717 |
| Average total loans | $224,868,500 | 1,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9480% | 6,797 |
| Cost of funding earning assets | 0.5335% | 4,963 |
| Net interest margin | 2.4145% | 6,771 |
| Noninterest income to average assets | 0.0927% | 6,533 |
| Noninterest expense to average assets | 1.8125% | 6,608 |
| Loan and lease loss provision to assets | 0.0085% | 5,815 |
| Net operating income to assets | 0.3861% | 5,155 |
| Return on assets (ROA) | 0.3861% | 5,389 |
| Pretax return on assets | 0.6438% | 4,840 |
| Return on Equity (ROE) | 2.2530% | 5,833 |
| Retained earnings to average equity (ytd only) | 2.2530% | 4,654 |
| Net charge-offs to loans | 0.0854% | 4,827 |
| Credit loss provision to net charge-offs | 23.9234% | 5,230 |
| Earnings coverage of net charge-offs (x) | 18.3923% | 1,441 |
| Efficiency ratio | 73.5353% | 3,147 |
| Assets per employee ($millions) | 7.4165% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 6,837 |
| Loan loss allowance to noncurrent loans | 117.5745% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 5,876 |
| Noncurrent loans to loans | 0.4271% | 5,427 |
| Net loans and leases to total assets | 38.2079% | 6,286 |
| Net loans and leases to deposits | 46.4646% | 6,223 |
| Net loans and leases to core deposits | 47.0379% | 6,324 |
| Total domestic deposits to total assets | 82.2302% | 5,021 |
| Equity capital to assets | 17.1115% | 402 |
| Core capital (leverage) ratio | 17.6301% | 305 |
| Tier 1 risk-based capital ratio | 48.9332% | 144 |
| Total risk-based capital ratio | 49.4707% | 146 |
| Memoranda: | ||
| Average total assets | $589,286,000 | 1,125 |
| Average earning assets | $578,959,600 | 1,047 |
| Average equity | $100,977,000 | 705 |
| Average total loans | $244,742,200 | 1,684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 6,885 |
| Cost of funding earning assets | 0.5615% | 4,985 |
| Net interest margin | 2.4766% | 6,838 |
| Noninterest income to average assets | 0.0886% | 6,659 |
| Noninterest expense to average assets | 1.8077% | 6,675 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4522% | 5,028 |
| Return on assets (ROA) | 0.4522% | 5,272 |
| Pretax return on assets | 0.7139% | 4,814 |
| Return on Equity (ROE) | 2.6378% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.6378% | 4,982 |
| Net charge-offs to loans | 0.0830% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 20.3228% | 1,451 |
| Efficiency ratio | 71.6879% | 3,377 |
| Assets per employee ($millions) | 7.2263% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4665% | 6,972 |
| Loan loss allowance to noncurrent loans | 109.3333% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,135 |
| Noncurrent loans to loans | 0.4267% | 5,595 |
| Net loans and leases to total assets | 41.8422% | 6,142 |
| Net loans and leases to deposits | 51.0450% | 6,037 |
| Net loans and leases to core deposits | 51.7091% | 6,199 |
| Total domestic deposits to total assets | 81.9711% | 5,037 |
| Equity capital to assets | 17.3012% | 420 |
| Core capital (leverage) ratio | 17.8228% | 309 |
| Tier 1 risk-based capital ratio | 47.8820% | 150 |
| Total risk-based capital ratio | 48.4108% | 151 |
| Memoranda: | ||
| Average total assets | $588,277,000 | 1,140 |
| Average earning assets | $577,921,000 | 1,050 |
| Average equity | $100,839,750 | 708 |
| Average total loans | $248,967,750 | 1,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0589% | 6,955 |
| Cost of funding earning assets | 0.5832% | 5,047 |
| Net interest margin | 2.4758% | 6,912 |
| Noninterest income to average assets | 0.0828% | 6,748 |
| Noninterest expense to average assets | 1.7809% | 6,774 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4657% | 4,976 |
| Return on assets (ROA) | 0.4657% | 5,215 |
| Pretax return on assets | 0.7341% | 4,727 |
| Return on Equity (ROE) | 2.7250% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.7250% | 4,806 |
| Net charge-offs to loans | 0.0240% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 72.1000% | 557 |
| Efficiency ratio | 70.8097% | 3,632 |
| Assets per employee ($millions) | 7.1028% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5179% | 7,007 |
| Loan loss allowance to noncurrent loans | 98.9891% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 6,067 |
| Noncurrent loans to loans | 0.5232% | 5,476 |
| Net loans and leases to total assets | 41.4802% | 6,232 |
| Net loans and leases to deposits | 50.4310% | 6,152 |
| Net loans and leases to core deposits | 51.1077% | 6,292 |
| Total domestic deposits to total assets | 82.2515% | 5,036 |
| Equity capital to assets | 17.0712% | 437 |
| Core capital (leverage) ratio | 17.5901% | 316 |
| Tier 1 risk-based capital ratio | 47.3054% | 148 |
| Total risk-based capital ratio | 47.8879% | 153 |
| Memoranda: | ||
| Average total assets | $589,260,000 | 1,138 |
| Average earning assets | $578,892,670 | 1,045 |
| Average equity | $100,696,670 | 708 |
| Average total loans | $249,936,330 | 1,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1236% | 6,992 |
| Cost of funding earning assets | 0.6093% | 5,057 |
| Net interest margin | 2.5144% | 6,946 |
| Noninterest income to average assets | 0.0665% | 6,868 |
| Noninterest expense to average assets | 1.7932% | 6,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4732% | 4,938 |
| Return on assets (ROA) | 0.4732% | 5,136 |
| Pretax return on assets | 0.7448% | 4,628 |
| Return on Equity (ROE) | 2.7679% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.7679% | 4,871 |
| Net charge-offs to loans | 0.0079% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 219.4000% | 164 |
| Efficiency ratio | 70.6528% | 3,689 |
| Assets per employee ($millions) | 7.1229% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5196% | 7,051 |
| Loan loss allowance to noncurrent loans | 77.3540% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 6,182 |
| Noncurrent loans to loans | 0.6718% | 5,311 |
| Net loans and leases to total assets | 42.0324% | 6,191 |
| Net loans and leases to deposits | 50.9371% | 6,080 |
| Net loans and leases to core deposits | 51.5703% | 6,235 |
| Total domestic deposits to total assets | 82.5182% | 5,121 |
| Equity capital to assets | 17.0973% | 413 |
| Core capital (leverage) ratio | 17.4265% | 328 |
| Tier 1 risk-based capital ratio | 46.6984% | 145 |
| Total risk-based capital ratio | 47.2885% | 155 |
| Memoranda: | ||
| Average total assets | $589,122,000 | 1,138 |
| Average earning assets | $579,069,500 | 1,044 |
| Average equity | $100,724,500 | 707 |
| Average total loans | $251,997,500 | 1,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 7,036 |
| Cost of funding earning assets | 0.7582% | 5,152 |
| Net interest margin | 2.6720% | 6,950 |
| Noninterest income to average assets | 0.0980% | 6,647 |
| Noninterest expense to average assets | 1.8520% | 6,894 |
| Loan and lease loss provision to assets | 0.0026% | 6,481 |
| Net operating income to assets | 0.5487% | 4,242 |
| Return on assets (ROA) | 0.5487% | 4,425 |
| Pretax return on assets | 0.8693% | 3,711 |
| Return on Equity (ROE) | 3.2641% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.2641% | 3,898 |
| Net charge-offs to loans | 0.0560% | 5,748 |
| Credit loss provision to net charge-offs | 10.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | 34.1733% | 758 |
| Efficiency ratio | 67.9925% | 4,361 |
| Assets per employee ($millions) | 7.0729% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5126% | 7,098 |
| Loan loss allowance to noncurrent loans | 110.2369% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 6,318 |
| Noncurrent loans to loans | 0.4650% | 5,781 |
| Net loans and leases to total assets | 43.0800% | 6,294 |
| Net loans and leases to deposits | 52.1844% | 6,194 |
| Net loans and leases to core deposits | 52.8608% | 6,377 |
| Total domestic deposits to total assets | 82.5535% | 4,948 |
| Equity capital to assets | 17.0974% | 437 |
| Core capital (leverage) ratio | 17.3729% | 340 |
| Tier 1 risk-based capital ratio | 46.1458% | 161 |
| Total risk-based capital ratio | 46.7352% | 164 |
| Memoranda: | ||
| Average total assets | $587,953,600 | 1,123 |
| Average earning assets | $577,817,600 | 1,023 |
| Average equity | $98,831,400 | 695 |
| Average total loans | $267,766,000 | 1,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 7,082 |
| Cost of funding earning assets | 0.7819% | 5,266 |
| Net interest margin | 2.7151% | 6,978 |
| Noninterest income to average assets | 0.0954% | 6,767 |
| Noninterest expense to average assets | 1.8672% | 6,896 |
| Loan and lease loss provision to assets | 0.0034% | 6,374 |
| Net operating income to assets | 0.5647% | 4,249 |
| Return on assets (ROA) | 0.5647% | 4,417 |
| Pretax return on assets | 0.8934% | 3,792 |
| Return on Equity (ROE) | 3.3737% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.3737% | 4,329 |
| Net charge-offs to loans | 0.0369% | 5,630 |
| Credit loss provision to net charge-offs | 20.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | 52.7453% | 619 |
| Efficiency ratio | 67.5552% | 4,406 |
| Assets per employee ($millions) | 7.0997% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 7,143 |
| Loan loss allowance to noncurrent loans | 106.8027% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 6,500 |
| Noncurrent loans to loans | 0.5029% | 5,837 |
| Net loans and leases to total assets | 44.4062% | 6,296 |
| Net loans and leases to deposits | 53.7123% | 6,236 |
| Net loans and leases to core deposits | 55.7211% | 6,337 |
| Total domestic deposits to total assets | 82.6742% | 4,812 |
| Equity capital to assets | 16.9105% | 491 |
| Core capital (leverage) ratio | 17.1837% | 383 |
| Tier 1 risk-based capital ratio | 45.1785% | 176 |
| Total risk-based capital ratio | 45.8082% | 181 |
| Memoranda: | ||
| Average total assets | $588,180,250 | 1,122 |
| Average earning assets | $578,094,750 | 1,029 |
| Average equity | $98,446,750 | 700 |
| Average total loans | $271,156,750 | 1,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 7,138 |
| Cost of funding earning assets | 0.8009% | 5,361 |
| Net interest margin | 2.7382% | 6,986 |
| Noninterest income to average assets | 0.0946% | 6,855 |
| Noninterest expense to average assets | 1.8941% | 6,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5641% | 4,244 |
| Return on assets (ROA) | 0.5641% | 4,370 |
| Pretax return on assets | 0.8911% | 3,649 |
| Return on Equity (ROE) | 3.3821% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.3821% | 4,107 |
| Net charge-offs to loans | 0.0438% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 43.6500% | 697 |
| Efficiency ratio | 68.0064% | 4,511 |
| Assets per employee ($millions) | 6.8996% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 7,214 |
| Loan loss allowance to noncurrent loans | 105.6054% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 6,554 |
| Noncurrent loans to loans | 0.4919% | 5,922 |
| Net loans and leases to total assets | 46.1379% | 6,254 |
| Net loans and leases to deposits | 55.7350% | 6,159 |
| Net loans and leases to core deposits | 57.8725% | 6,281 |
| Total domestic deposits to total assets | 82.7809% | 4,860 |
| Equity capital to assets | 16.8484% | 500 |
| Core capital (leverage) ratio | 17.1239% | 395 |
| Tier 1 risk-based capital ratio | 44.3476% | 184 |
| Total risk-based capital ratio | 44.9717% | 193 |
| Memoranda: | ||
| Average total assets | $587,816,000 | 1,137 |
| Average earning assets | $577,608,330 | 1,038 |
| Average equity | $98,046,000 | 700 |
| Average total loans | $273,846,670 | 1,582 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 7,159 |
| Cost of funding earning assets | 0.8025% | 5,568 |
| Net interest margin | 2.7679% | 6,952 |
| Noninterest income to average assets | 0.0958% | 6,940 |
| Noninterest expense to average assets | 1.9229% | 6,951 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5648% | 4,212 |
| Return on assets (ROA) | 0.5648% | 4,291 |
| Pretax return on assets | 0.8925% | 3,522 |
| Return on Equity (ROE) | 3.4035% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.4035% | 4,151 |
| Net charge-offs to loans | 0.0873% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 21.8833% | 1,069 |
| Efficiency ratio | 68.3003% | 4,598 |
| Assets per employee ($millions) | 7.0978% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 7,269 |
| Loan loss allowance to noncurrent loans | 105.6844% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 6,605 |
| Noncurrent loans to loans | 0.4884% | 6,039 |
| Net loans and leases to total assets | 46.2279% | 6,266 |
| Net loans and leases to deposits | 55.6931% | 6,160 |
| Net loans and leases to core deposits | 57.8790% | 6,269 |
| Total domestic deposits to total assets | 83.0048% | 4,929 |
| Equity capital to assets | 16.6479% | 483 |
| Core capital (leverage) ratio | 16.9098% | 402 |
| Tier 1 risk-based capital ratio | 43.8020% | 190 |
| Total risk-based capital ratio | 44.4231% | 194 |
| Memoranda: | ||
| Average total assets | $588,489,000 | 1,136 |
| Average earning assets | $578,206,000 | 1,048 |
| Average equity | $97,663,500 | 697 |
| Average total loans | $274,771,000 | 1,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 7,234 |
| Cost of funding earning assets | 0.9236% | 6,054 |
| Net interest margin | 2.9171% | 6,872 |
| Noninterest income to average assets | 0.1040% | 6,879 |
| Noninterest expense to average assets | 1.8791% | 7,189 |
| Loan and lease loss provision to assets | 0.0378% | 6,784 |
| Net operating income to assets | 0.6551% | 3,418 |
| Return on assets (ROA) | 0.6551% | 3,559 |
| Pretax return on assets | 1.0492% | 2,778 |
| Return on Equity (ROE) | 4.0857% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.0857% | 2,999 |
| Net charge-offs to loans | -0.0180% | 7,358 |
| Credit loss provision to net charge-offs | -409.0909% | 7,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3537% | 5,454 |
| Assets per employee ($millions) | 6.9983% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 7,331 |
| Loan loss allowance to noncurrent loans | 129.2105% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 6,739 |
| Noncurrent loans to loans | 0.4134% | 6,218 |
| Net loans and leases to total assets | 46.6640% | 6,501 |
| Net loans and leases to deposits | 56.1119% | 6,436 |
| Net loans and leases to core deposits | 58.3794% | 6,526 |
| Total domestic deposits to total assets | 83.1624% | 4,725 |
| Equity capital to assets | 16.5433% | 507 |
| Core capital (leverage) ratio | 16.8051% | 411 |
| Tier 1 risk-based capital ratio | 43.2527% | 188 |
| Total risk-based capital ratio | 43.8969% | 192 |
| Memoranda: | ||
| Average total assets | $595,337,400 | 1,128 |
| Average earning assets | $584,109,400 | 1,033 |
| Average equity | $95,454,000 | 703 |
| Average total loans | $306,270,200 | 1,466 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 7,320 |
| Cost of funding earning assets | 0.9516% | 6,167 |
| Net interest margin | 2.9837% | 6,865 |
| Noninterest income to average assets | 0.1031% | 7,032 |
| Noninterest expense to average assets | 1.8751% | 7,240 |
| Loan and lease loss provision to assets | 0.0502% | 6,580 |
| Net operating income to assets | 0.6876% | 3,478 |
| Return on assets (ROA) | 0.6876% | 3,631 |
| Pretax return on assets | 1.1044% | 2,811 |
| Return on Equity (ROE) | 4.3225% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.3225% | 3,455 |
| Net charge-offs to loans | -0.0246% | 7,379 |
| Credit loss provision to net charge-offs | -387.9310% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8893% | 5,639 |
| Assets per employee ($millions) | 6.9072% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 7,453 |
| Loan loss allowance to noncurrent loans | 122.1854% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 6,852 |
| Noncurrent loans to loans | 0.4096% | 6,380 |
| Net loans and leases to total assets | 49.9763% | 6,327 |
| Net loans and leases to deposits | 60.0694% | 6,312 |
| Net loans and leases to core deposits | 62.3580% | 6,424 |
| Total domestic deposits to total assets | 83.1976% | 4,504 |
| Equity capital to assets | 16.4270% | 602 |
| Core capital (leverage) ratio | 16.6876% | 465 |
| Tier 1 risk-based capital ratio | 41.7411% | 219 |
| Total risk-based capital ratio | 42.3697% | 223 |
| Memoranda: | ||
| Average total assets | $597,207,250 | 1,133 |
| Average earning assets | $585,787,250 | 1,037 |
| Average equity | $95,004,750 | 706 |
| Average total loans | $313,890,000 | 1,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 7,353 |
| Cost of funding earning assets | 0.9916% | 6,182 |
| Net interest margin | 3.0197% | 6,790 |
| Noninterest income to average assets | 0.1046% | 7,078 |
| Noninterest expense to average assets | 1.8569% | 7,320 |
| Loan and lease loss provision to assets | 0.0583% | 6,373 |
| Net operating income to assets | 0.7147% | 3,334 |
| Return on assets (ROA) | 0.7147% | 3,490 |
| Pretax return on assets | 1.1496% | 2,588 |
| Return on Equity (ROE) | 4.5406% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.5406% | 3,182 |
| Net charge-offs to loans | 0.0294% | 5,926 |
| Credit loss provision to net charge-offs | 372.3404% | 979 |
| Earnings coverage of net charge-offs (x) | 77.1702% | 409 |
| Efficiency ratio | 60.5889% | 5,933 |
| Assets per employee ($millions) | 6.8123% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4205% | 7,588 |
| Loan loss allowance to noncurrent loans | 155.4770% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 7,036 |
| Noncurrent loans to loans | 0.2704% | 6,690 |
| Net loans and leases to total assets | 52.7456% | 6,138 |
| Net loans and leases to deposits | 63.1477% | 6,122 |
| Net loans and leases to core deposits | 65.4354% | 6,283 |
| Total domestic deposits to total assets | 83.5274% | 4,323 |
| Equity capital to assets | 16.1149% | 653 |
| Core capital (leverage) ratio | 16.3744% | 519 |
| Tier 1 risk-based capital ratio | 39.9763% | 246 |
| Total risk-based capital ratio | 40.5196% | 253 |
| Memoranda: | ||
| Average total assets | $600,571,670 | 1,128 |
| Average earning assets | $588,734,670 | 1,041 |
| Average equity | $94,524,670 | 701 |
| Average total loans | $320,222,000 | 1,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 7,411 |
| Cost of funding earning assets | 1.0929% | 5,947 |
| Net interest margin | 2.9620% | 6,914 |
| Noninterest income to average assets | 0.1019% | 7,198 |
| Noninterest expense to average assets | 1.8679% | 7,384 |
| Loan and lease loss provision to assets | 0.0496% | 6,165 |
| Net operating income to assets | 0.6769% | 3,540 |
| Return on assets (ROA) | 0.6769% | 3,659 |
| Pretax return on assets | 1.0858% | 2,785 |
| Return on Equity (ROE) | 4.3517% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.3517% | 3,543 |
| Net charge-offs to loans | 0.0668% | 4,740 |
| Credit loss provision to net charge-offs | 138.8889% | 2,544 |
| Earnings coverage of net charge-offs (x) | 31.7778% | 842 |
| Efficiency ratio | 62.1943% | 5,797 |
| Assets per employee ($millions) | 6.4569% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3783% | 7,701 |
| Loan loss allowance to noncurrent loans | 83.3219% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 6,851 |
| Noncurrent loans to loans | 0.4540% | 6,391 |
| Net loans and leases to total assets | 53.8222% | 6,047 |
| Net loans and leases to deposits | 64.2645% | 6,032 |
| Net loans and leases to core deposits | 67.2789% | 6,180 |
| Total domestic deposits to total assets | 83.7511% | 4,262 |
| Equity capital to assets | 15.9167% | 685 |
| Core capital (leverage) ratio | 16.1530% | 556 |
| Tier 1 risk-based capital ratio | 39.0974% | 267 |
| Total risk-based capital ratio | 39.5923% | 271 |
| Memoranda: | ||
| Average total assets | $604,523,000 | 1,141 |
| Average earning assets | $592,175,000 | 1,059 |
| Average equity | $94,033,000 | 707 |
| Average total loans | $323,369,500 | 1,460 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 7,518 |
| Cost of funding earning assets | 1.7628% | 4,188 |
| Net interest margin | 2.5895% | 7,343 |
| Noninterest income to average assets | 0.1015% | 7,260 |
| Noninterest expense to average assets | 1.8460% | 7,569 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5040% | 3,710 |
| Return on assets (ROA) | 0.5040% | 3,807 |
| Pretax return on assets | 0.7921% | 3,274 |
| Return on Equity (ROE) | 3.3570% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.3570% | 2,819 |
| Net charge-offs to loans | 0.0486% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 29.5273% | 779 |
| Efficiency ratio | 69.9741% | 4,637 |
| Assets per employee ($millions) | 7.1513% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3662% | 7,785 |
| Loan loss allowance to noncurrent loans | 108.9498% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 7,030 |
| Noncurrent loans to loans | 0.3361% | 6,608 |
| Net loans and leases to total assets | 52.7810% | 6,329 |
| Net loans and leases to deposits | 63.6757% | 6,310 |
| Net loans and leases to core deposits | 73.7917% | 6,548 |
| Total domestic deposits to total assets | 82.8904% | 4,570 |
| Equity capital to assets | 15.2054% | 866 |
| Core capital (leverage) ratio | 15.4372% | 701 |
| Tier 1 risk-based capital ratio | 37.6962% | 291 |
| Total risk-based capital ratio | 38.1698% | 296 |
| Memoranda: | ||
| Average total assets | $615,067,800 | 1,124 |
| Average earning assets | $602,510,200 | 1,039 |
| Average equity | $92,343,600 | 703 |
| Average total loans | $339,721,800 | 1,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 7,590 |
| Cost of funding earning assets | 1.8792% | 3,990 |
| Net interest margin | 2.5396% | 7,419 |
| Noninterest income to average assets | 0.0995% | 7,406 |
| Noninterest expense to average assets | 1.8508% | 7,609 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4710% | 4,115 |
| Return on assets (ROA) | 0.4710% | 4,215 |
| Pretax return on assets | 0.7379% | 3,742 |
| Return on Equity (ROE) | 3.1475% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.1475% | 3,552 |
| Net charge-offs to loans | 0.0517% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.5938% | 1,047 |
| Efficiency ratio | 71.4956% | 4,329 |
| Assets per employee ($millions) | 7.0727% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3667% | 7,852 |
| Loan loss allowance to noncurrent loans | 138.2619% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 7,184 |
| Noncurrent loans to loans | 0.2653% | 6,843 |
| Net loans and leases to total assets | 54.0839% | 6,371 |
| Net loans and leases to deposits | 65.1936% | 6,381 |
| Net loans and leases to core deposits | 81.1006% | 6,261 |
| Total domestic deposits to total assets | 82.9589% | 4,244 |
| Equity capital to assets | 15.0415% | 993 |
| Core capital (leverage) ratio | 15.2782% | 808 |
| Tier 1 risk-based capital ratio | 37.0370% | 332 |
| Total risk-based capital ratio | 37.5191% | 345 |
| Memoranda: | ||
| Average total assets | $615,082,000 | 1,145 |
| Average earning assets | $602,859,000 | 1,050 |
| Average equity | $92,050,750 | 706 |
| Average total loans | $343,201,750 | 1,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 7,652 |
| Cost of funding earning assets | 1.9300% | 4,112 |
| Net interest margin | 2.5362% | 7,434 |
| Noninterest income to average assets | 0.0972% | 7,498 |
| Noninterest expense to average assets | 1.8400% | 7,698 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4741% | 4,201 |
| Return on assets (ROA) | 0.4741% | 4,311 |
| Pretax return on assets | 0.7431% | 3,855 |
| Return on Equity (ROE) | 3.1736% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.1736% | 3,551 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2325% | 4,554 |
| Assets per employee ($millions) | 6.9837% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4140% | 7,890 |
| Loan loss allowance to noncurrent loans | 198.3918% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 7,293 |
| Noncurrent loans to loans | 0.2087% | 6,992 |
| Net loans and leases to total assets | 52.5181% | 6,619 |
| Net loans and leases to deposits | 63.1013% | 6,647 |
| Net loans and leases to core deposits | 78.3238% | 6,529 |
| Total domestic deposits to total assets | 83.2282% | 4,134 |
| Equity capital to assets | 14.7723% | 1,089 |
| Core capital (leverage) ratio | 15.0105% | 916 |
| Tier 1 risk-based capital ratio | 36.8200% | 375 |
| Total risk-based capital ratio | 37.3553% | 389 |
| Memoranda: | ||
| Average total assets | $614,999,670 | 1,159 |
| Average earning assets | $602,795,330 | 1,069 |
| Average equity | $91,882,670 | 720 |
| Average total loans | $346,262,670 | 1,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 7,607 |
| Cost of funding earning assets | 1.9517% | 4,373 |
| Net interest margin | 2.6623% | 7,276 |
| Noninterest income to average assets | 0.0961% | 7,568 |
| Noninterest expense to average assets | 1.7393% | 7,779 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6075% | 3,987 |
| Return on assets (ROA) | 0.6075% | 4,179 |
| Pretax return on assets | 0.9684% | 3,472 |
| Return on Equity (ROE) | 4.0428% | 4,910 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,651 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2357% | 5,647 |
| Assets per employee ($millions) | 6.8480% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3937% | 7,950 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 7,365 |
| Noncurrent loans to loans | 0.1369% | 7,129 |
| Net loans and leases to total assets | 55.7103% | 6,280 |
| Net loans and leases to deposits | 67.0654% | 6,266 |
| Net loans and leases to core deposits | 82.9026% | 6,154 |
| Total domestic deposits to total assets | 83.0686% | 4,110 |
| Equity capital to assets | 14.9916% | 1,106 |
| Core capital (leverage) ratio | 15.0790% | 953 |
| Tier 1 risk-based capital ratio | 36.1357% | 402 |
| Total risk-based capital ratio | 36.6632% | 411 |
| Memoranda: | ||
| Average total assets | $611,724,500 | 1,164 |
| Average earning assets | $600,081,500 | 1,072 |
| Average equity | $91,915,500 | 719 |
| Average total loans | $355,502,500 | 1,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 7,797 |
| Cost of funding earning assets | 2.2587% | 5,340 |
| Net interest margin | 2.8035% | 7,329 |
| Noninterest income to average assets | 0.1138% | 7,552 |
| Noninterest expense to average assets | 1.6636% | 7,900 |
| Loan and lease loss provision to assets | 0.0415% | 6,895 |
| Net operating income to assets | 0.7226% | 3,790 |
| Return on assets (ROA) | 0.7226% | 3,620 |
| Pretax return on assets | 1.1641% | 2,793 |
| Return on Equity (ROE) | 4.8823% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.8823% | 2,093 |
| Net charge-offs to loans | 0.0102% | 6,785 |
| Credit loss provision to net charge-offs | 675.6757% | 631 |
| Earnings coverage of net charge-offs (x) | 196.4595% | 241 |
| Efficiency ratio | 57.9827% | 6,696 |
| Assets per employee ($millions) | 6.8992% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3606% | 8,033 |
| Loan loss allowance to noncurrent loans | 536.9919% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,430 |
| Noncurrent loans to loans | 0.0672% | 7,237 |
| Net loans and leases to total assets | 60.1146% | 5,894 |
| Net loans and leases to deposits | 72.4027% | 6,008 |
| Net loans and leases to core deposits | 88.8298% | 5,906 |
| Total domestic deposits to total assets | 83.0281% | 3,763 |
| Equity capital to assets | 15.0602% | 1,146 |
| Core capital (leverage) ratio | 15.1532% | 990 |
| Tier 1 risk-based capital ratio | 35.0857% | 438 |
| Total risk-based capital ratio | 35.5897% | 459 |
| Memoranda: | ||
| Average total assets | $602,957,400 | 1,122 |
| Average earning assets | $592,609,600 | 1,038 |
| Average equity | $89,240,800 | 748 |
| Average total loans | $361,552,600 | 1,340 |