Home > Stafford Savings Bank > Performance and Condition Ratios
Stafford Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 4,510 |
| Cost of funding earning assets | 0.1952% | 4,444 |
| Net interest margin | 2.8664% | 3,547 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.4555% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9702% | 2,306 |
| Return on assets (ROA) | 4.5997% | 83 |
| Pretax return on assets | 6.0999% | 77 |
| Return on Equity (ROE) | 10.8000% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.8023% | 841 |
| Net charge-offs to loans | 0.0060% | 2,477 |
| Credit loss provision to net charge-offs | -900.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1,456.5000% | 109 |
| Efficiency ratio | 49.1534% | 4,033 |
| Assets per employee ($millions) | 12.7428% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 524 |
| Loan loss allowance to noncurrent loans | 781.9355% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,361 |
| Noncurrent loans to loans | 0.2329% | 2,377 |
| Net loans and leases to total assets | 16.5400% | 4,425 |
| Net loans and leases to deposits | 35.7893% | 4,277 |
| Net loans and leases to core deposits | 36.0763% | 4,342 |
| Total domestic deposits to total assets | 46.2100% | 4,477 |
| Equity capital to assets | 44.7394% | 134 |
| Core capital (leverage) ratio | 47.0630% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5552% | 210 |
| Memoranda: | ||
| Average total assets | $386,957,800 | 2,053 |
| Average earning assets | $373,395,800 | 1,999 |
| Average equity | $164,770,600 | 626 |
| Average total loans | $66,986,600 | 3,593 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 4,518 |
| Cost of funding earning assets | 0.1769% | 4,459 |
| Net interest margin | 2.8736% | 3,597 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.4021% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2447% | 1,661 |
| Return on assets (ROA) | 1.9112% | 551 |
| Pretax return on assets | 2.4204% | 416 |
| Return on Equity (ROE) | 4.5500% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.5476% | 3,084 |
| Net charge-offs to loans | 0.0079% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,138.0000% | 137 |
| Efficiency ratio | 47.0698% | 4,084 |
| Assets per employee ($millions) | 12.5573% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 493 |
| Loan loss allowance to noncurrent loans | 540.6926% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,206 |
| Noncurrent loans to loans | 0.3477% | 1,979 |
| Net loans and leases to total assets | 17.3100% | 4,445 |
| Net loans and leases to deposits | 35.5366% | 4,305 |
| Net loans and leases to core deposits | 35.7693% | 4,330 |
| Total domestic deposits to total assets | 48.7000% | 4,502 |
| Equity capital to assets | 43.2144% | 141 |
| Core capital (leverage) ratio | 42.7948% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9241% | 219 |
| Memoranda: | ||
| Average total assets | $384,940,250 | 2,059 |
| Average earning assets | $371,604,250 | 2,003 |
| Average equity | $161,780,000 | 629 |
| Average total loans | $67,096,000 | 3,601 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0467% | 4,539 |
| Cost of funding earning assets | 0.1521% | 4,474 |
| Net interest margin | 2.8947% | 3,654 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.3604% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0572% | 2,242 |
| Return on assets (ROA) | 5.0170% | 72 |
| Pretax return on assets | 6.6704% | 64 |
| Return on Equity (ROE) | 12.0500% | 2,143 |
| Retained earnings to average equity (ytd only) | 12.0477% | 979 |
| Net charge-offs to loans | 0.0119% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 803.5000% | 186 |
| Efficiency ratio | 45.0692% | 4,205 |
| Assets per employee ($millions) | 13.8864% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 524 |
| Loan loss allowance to noncurrent loans | 800.6410% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 3,371 |
| Noncurrent loans to loans | 0.2338% | 2,327 |
| Net loans and leases to total assets | 16.8400% | 4,476 |
| Net loans and leases to deposits | 34.8083% | 4,317 |
| Net loans and leases to core deposits | 35.0295% | 4,347 |
| Total domestic deposits to total assets | 48.3700% | 4,527 |
| Equity capital to assets | 43.0736% | 135 |
| Core capital (leverage) ratio | 47.3058% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3135% | 216 |
| Memoranda: | ||
| Average total assets | $387,680,667 | 2,054 |
| Average earning assets | $374,828,000 | 1,994 |
| Average equity | $161,441,000 | 628 |
| Average total loans | $67,313,333 | 3,606 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9584% | 4,571 |
| Cost of funding earning assets | 0.1326% | 4,490 |
| Net interest margin | 2.8258% | 3,912 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.4011% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2263% | 1,866 |
| Return on assets (ROA) | 2.2402% | 345 |
| Pretax return on assets | 2.8715% | 230 |
| Return on Equity (ROE) | 5.4700% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.4740% | 2,900 |
| Net charge-offs to loans | 0.0059% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,537.0000% | 55 |
| Efficiency ratio | 46.8718% | 4,171 |
| Assets per employee ($millions) | 13.7685% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 595 |
| Loan loss allowance to noncurrent loans | 458.2418% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,090 |
| Noncurrent loans to loans | 0.4045% | 1,720 |
| Net loans and leases to total assets | 17.1800% | 4,542 |
| Net loans and leases to deposits | 34.5312% | 4,364 |
| Net loans and leases to core deposits | 34.8183% | 4,387 |
| Total domestic deposits to total assets | 49.7600% | 4,578 |
| Equity capital to assets | 41.7432% | 96 |
| Core capital (leverage) ratio | 42.1000% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3817% | 224 |
| Memoranda: | ||
| Average total assets | $387,112,000 | 2,077 |
| Average earning assets | $373,980,500 | 2,021 |
| Average equity | $158,422,500 | 655 |
| Average total loans | $67,612,500 | 3,646 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3923% | 4,535 |
| Cost of funding earning assets | 0.1321% | 4,219 |
| Net interest margin | 2.2602% | 4,449 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.5316% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9370% | 2,826 |
| Return on assets (ROA) | -1.6926% | 4,682 |
| Pretax return on assets | -2.5066% | 4,692 |
| Return on Equity (ROE) | -4.3100% | 4,618 |
| Retained earnings to average equity (ytd only) | -4.3080% | 4,556 |
| Net charge-offs to loans | 0.0089% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 535.1667% | 321 |
| Efficiency ratio | 65.0712% | 2,354 |
| Assets per employee ($millions) | 13.8823% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 599 |
| Loan loss allowance to noncurrent loans | 777.6398% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,386 |
| Noncurrent loans to loans | 0.2377% | 2,326 |
| Net loans and leases to total assets | 17.1000% | 4,566 |
| Net loans and leases to deposits | 33.4232% | 4,403 |
| Net loans and leases to core deposits | 33.7349% | 4,423 |
| Total domestic deposits to total assets | 51.1700% | 4,609 |
| Equity capital to assets | 40.1119% | 98 |
| Core capital (leverage) ratio | 43.0444% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7208% | 217 |
| Memoranda: | ||
| Average total assets | $390,572,200 | 2,058 |
| Average earning assets | $374,664,600 | 2,008 |
| Average equity | $153,457,400 | 669 |
| Average total loans | $67,215,600 | 3,622 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2366% | 4,560 |
| Cost of funding earning assets | 0.1338% | 4,001 |
| Net interest margin | 2.1029% | 4,516 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.4252% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4334% | 999 |
| Return on assets (ROA) | -8.3727% | 4,757 |
| Pretax return on assets | -11.6483% | 4,760 |
| Return on Equity (ROE) | -21.4200% | 4,728 |
| Retained earnings to average equity (ytd only) | -21.4211% | 4,731 |
| Net charge-offs to loans | 0.0159% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 280.2500% | 498 |
| Efficiency ratio | 65.0888% | 2,399 |
| Assets per employee ($millions) | 13.3621% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 652 |
| Loan loss allowance to noncurrent loans | 771.6049% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,472 |
| Noncurrent loans to loans | 0.2408% | 2,420 |
| Net loans and leases to total assets | 17.6500% | 4,606 |
| Net loans and leases to deposits | 33.0898% | 4,438 |
| Net loans and leases to core deposits | 33.3547% | 4,460 |
| Total domestic deposits to total assets | 53.3400% | 4,644 |
| Equity capital to assets | 36.7795% | 100 |
| Core capital (leverage) ratio | 37.5111% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9870% | 237 |
| Memoranda: | ||
| Average total assets | $391,039,000 | 2,076 |
| Average earning assets | $374,720,000 | 2,028 |
| Average equity | $152,842,500 | 676 |
| Average total loans | $67,087,250 | 3,643 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0651% | 4,605 |
| Cost of funding earning assets | 0.1339% | 3,787 |
| Net interest margin | 1.9312% | 4,587 |
| Noninterest income to average assets | 0.1770% | 4,119 |
| Noninterest expense to average assets | 1.3729% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4192% | 862 |
| Return on assets (ROA) | -9.1784% | 4,760 |
| Pretax return on assets | -12.7491% | 4,764 |
| Return on Equity (ROE) | -23.0546% | 4,752 |
| Retained earnings to average equity (ytd only) | -23.0546% | 4,734 |
| Net charge-offs to loans | 0.0149% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 446 |
| Efficiency ratio | 67.3510% | 2,331 |
| Assets per employee ($millions) | 12.4247% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 711 |
| Loan loss allowance to noncurrent loans | 759.3939% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,557 |
| Noncurrent loans to loans | 0.2461% | 2,503 |
| Net loans and leases to total assets | 17.0812% | 4,674 |
| Net loans and leases to deposits | 32.7235% | 4,480 |
| Net loans and leases to core deposits | 33.0799% | 4,504 |
| Total domestic deposits to total assets | 52.1985% | 4,717 |
| Equity capital to assets | 37.9670% | 54 |
| Core capital (leverage) ratio | 37.0154% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6537% | 216 |
| Memoranda: | ||
| Average total assets | $396,672,000 | 2,065 |
| Average earning assets | $382,360,333 | 2,014 |
| Average equity | $157,921,000 | 670 |
| Average total loans | $67,022,667 | 3,672 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8717% | 4,651 |
| Cost of funding earning assets | 0.1320% | 3,741 |
| Net interest margin | 1.7396% | 4,635 |
| Noninterest income to average assets | 0.1779% | 4,108 |
| Noninterest expense to average assets | 1.3488% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8771% | 2,376 |
| Return on assets (ROA) | -3.9898% | 4,781 |
| Pretax return on assets | -5.6418% | 4,784 |
| Return on Equity (ROE) | -9.8044% | 4,739 |
| Retained earnings to average equity (ytd only) | -9.8044% | 4,556 |
| Net charge-offs to loans | 0.0119% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 353 |
| Efficiency ratio | 72.2193% | 1,947 |
| Assets per employee ($millions) | 13.4003% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 780 |
| Loan loss allowance to noncurrent loans | 1,744.4444% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,879 |
| Noncurrent loans to loans | 0.1074% | 3,303 |
| Net loans and leases to total assets | 16.3609% | 4,700 |
| Net loans and leases to deposits | 32.4943% | 4,481 |
| Net loans and leases to core deposits | 32.8454% | 4,513 |
| Total domestic deposits to total assets | 50.3500% | 4,751 |
| Equity capital to assets | 40.1432% | 44 |
| Core capital (leverage) ratio | 40.2869% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2090% | 221 |
| Memoranda: | ||
| Average total assets | $402,425,000 | 2,045 |
| Average earning assets | $390,884,500 | 1,987 |
| Average equity | $163,763,500 | 665 |
| Average total loans | $67,012,000 | 3,682 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8774% | 4,699 |
| Cost of funding earning assets | 0.1562% | 3,906 |
| Net interest margin | 1.7212% | 4,686 |
| Noninterest income to average assets | 0.1720% | 4,293 |
| Noninterest expense to average assets | 1.5096% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.2048% | 4,723 |
| Return on assets (ROA) | 7.3598% | 27 |
| Pretax return on assets | 9.9174% | 26 |
| Return on Equity (ROE) | 18.0735% | 459 |
| Retained earnings to average equity (ytd only) | 18.0735% | 90 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5358% | 713 |
| Assets per employee ($millions) | 14.3872% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 756 |
| Loan loss allowance to noncurrent loans | 1,747.2222% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,963 |
| Noncurrent loans to loans | 0.1075% | 3,389 |
| Net loans and leases to total assets | 16.3186% | 4,749 |
| Net loans and leases to deposits | 33.2920% | 4,548 |
| Net loans and leases to core deposits | 33.7142% | 4,563 |
| Total domestic deposits to total assets | 49.0165% | 4,794 |
| Equity capital to assets | 41.2440% | 42 |
| Core capital (leverage) ratio | 43.8242% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1959% | 234 |
| Memoranda: | ||
| Average total assets | $372,074,800 | 2,101 |
| Average earning assets | $363,052,000 | 2,025 |
| Average equity | $151,514,600 | 705 |
| Average total loans | $67,902,200 | 3,684 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8949% | 4,782 |
| Cost of funding earning assets | 0.1617% | 4,001 |
| Net interest margin | 1.7332% | 4,764 |
| Noninterest income to average assets | 0.1819% | 4,286 |
| Noninterest expense to average assets | 1.4215% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1377% | 4,670 |
| Return on assets (ROA) | 4.7220% | 53 |
| Pretax return on assets | 6.2537% | 47 |
| Return on Equity (ROE) | 11.6371% | 2,161 |
| Retained earnings to average equity (ytd only) | 11.6371% | 913 |
| Net charge-offs to loans | -0.0020% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9234% | 1,040 |
| Assets per employee ($millions) | 13.9280% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8457% | 856 |
| Loan loss allowance to noncurrent loans | 425.3378% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,576 |
| Noncurrent loans to loans | 0.4339% | 2,256 |
| Net loans and leases to total assets | 17.8040% | 4,812 |
| Net loans and leases to deposits | 35.0947% | 4,598 |
| Net loans and leases to core deposits | 35.5550% | 4,622 |
| Total domestic deposits to total assets | 50.7313% | 4,863 |
| Equity capital to assets | 40.3764% | 44 |
| Core capital (leverage) ratio | 40.6477% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1495% | 230 |
| Memoranda: | ||
| Average total assets | $364,383,000 | 2,150 |
| Average earning assets | $355,400,750 | 2,081 |
| Average equity | $147,856,250 | 734 |
| Average total loans | $68,128,750 | 3,744 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9316% | 4,817 |
| Cost of funding earning assets | 0.1674% | 4,065 |
| Net interest margin | 1.7643% | 4,795 |
| Noninterest income to average assets | 0.1847% | 4,276 |
| Noninterest expense to average assets | 1.3925% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0383% | 4,779 |
| Return on assets (ROA) | 7.5502% | 28 |
| Pretax return on assets | 10.1173% | 24 |
| Return on Equity (ROE) | 18.5752% | 588 |
| Retained earnings to average equity (ytd only) | 18.5752% | 202 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1352% | 1,327 |
| Assets per employee ($millions) | 13.4198% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 795 |
| Loan loss allowance to noncurrent loans | 420.7358% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,676 |
| Noncurrent loans to loans | 0.4418% | 2,345 |
| Net loans and leases to total assets | 17.6746% | 4,852 |
| Net loans and leases to deposits | 35.0900% | 4,651 |
| Net loans and leases to core deposits | 35.5602% | 4,677 |
| Total domestic deposits to total assets | 50.3694% | 4,896 |
| Equity capital to assets | 40.6050% | 43 |
| Core capital (leverage) ratio | 44.7422% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0306% | 227 |
| Memoranda: | ||
| Average total assets | $360,492,000 | 2,158 |
| Average earning assets | $351,310,333 | 2,083 |
| Average equity | $146,529,000 | 733 |
| Average total loans | $68,101,000 | 3,759 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9702% | 4,843 |
| Cost of funding earning assets | 0.1734% | 4,136 |
| Net interest margin | 1.7968% | 4,808 |
| Noninterest income to average assets | 0.1746% | 4,323 |
| Noninterest expense to average assets | 1.3558% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2164% | 4,845 |
| Return on assets (ROA) | 9.8056% | 22 |
| Pretax return on assets | 13.2551% | 21 |
| Return on Equity (ROE) | 24.1105% | 291 |
| Retained earnings to average equity (ytd only) | 24.1105% | 155 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4358% | 1,654 |
| Assets per employee ($millions) | 11.7996% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 813 |
| Loan loss allowance to noncurrent loans | 416.5563% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,787 |
| Noncurrent loans to loans | 0.4418% | 2,534 |
| Net loans and leases to total assets | 18.3437% | 4,874 |
| Net loans and leases to deposits | 36.1394% | 4,674 |
| Net loans and leases to core deposits | 36.5724% | 4,703 |
| Total domestic deposits to total assets | 50.7581% | 4,922 |
| Equity capital to assets | 40.3819% | 42 |
| Core capital (leverage) ratio | 42.8499% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7328% | 240 |
| Memoranda: | ||
| Average total assets | $352,861,000 | 2,174 |
| Average earning assets | $343,714,000 | 2,108 |
| Average equity | $143,506,000 | 741 |
| Average total loans | $68,316,000 | 3,770 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3353% | 4,873 |
| Cost of funding earning assets | 0.2349% | 4,441 |
| Net interest margin | 2.1005% | 4,803 |
| Noninterest income to average assets | 0.1721% | 4,425 |
| Noninterest expense to average assets | 2.0163% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0333% | 4,750 |
| Return on assets (ROA) | 3.5460% | 69 |
| Pretax return on assets | 4.7130% | 61 |
| Return on Equity (ROE) | 8.8171% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.8171% | 817 |
| Net charge-offs to loans | 0.0500% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 16.8235% | 2,110 |
| Efficiency ratio | 91.7089% | 324 |
| Assets per employee ($millions) | 10.9656% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 796 |
| Loan loss allowance to noncurrent loans | 305.3398% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 3,677 |
| Noncurrent loans to loans | 0.6034% | 2,188 |
| Net loans and leases to total assets | 19.7147% | 4,884 |
| Net loans and leases to deposits | 39.1926% | 4,679 |
| Net loans and leases to core deposits | 39.7138% | 4,704 |
| Total domestic deposits to total assets | 50.3021% | 4,945 |
| Equity capital to assets | 40.9785% | 42 |
| Core capital (leverage) ratio | 43.4382% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3676% | 225 |
| Memoranda: | ||
| Average total assets | $313,791,400 | 2,222 |
| Average earning assets | $302,741,000 | 2,161 |
| Average equity | $126,197,800 | 782 |
| Average total loans | $68,061,400 | 3,772 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3857% | 4,918 |
| Cost of funding earning assets | 0.2475% | 4,522 |
| Net interest margin | 2.1383% | 4,839 |
| Noninterest income to average assets | 0.1792% | 4,395 |
| Noninterest expense to average assets | 1.7128% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5359% | 3,943 |
| Return on assets (ROA) | 0.5008% | 4,119 |
| Pretax return on assets | 0.4899% | 4,298 |
| Return on Equity (ROE) | 1.2517% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.2517% | 4,165 |
| Net charge-offs to loans | 0.0667% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 35.5882% | 1,446 |
| Efficiency ratio | 76.5367% | 1,157 |
| Assets per employee ($millions) | 10.3113% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 669 |
| Loan loss allowance to noncurrent loans | 225.0447% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,554 |
| Noncurrent loans to loans | 0.8168% | 1,786 |
| Net loans and leases to total assets | 21.0159% | 4,918 |
| Net loans and leases to deposits | 40.6601% | 4,733 |
| Net loans and leases to core deposits | 41.1273% | 4,767 |
| Total domestic deposits to total assets | 51.6867% | 4,971 |
| Equity capital to assets | 40.4935% | 39 |
| Core capital (leverage) ratio | 41.8610% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8154% | 228 |
| Memoranda: | ||
| Average total assets | $307,255,750 | 2,236 |
| Average earning assets | $295,808,000 | 2,179 |
| Average equity | $122,922,250 | 793 |
| Average total loans | $68,008,000 | 3,787 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4718% | 4,968 |
| Cost of funding earning assets | 0.2612% | 4,592 |
| Net interest margin | 2.2106% | 4,874 |
| Noninterest income to average assets | 0.1847% | 4,356 |
| Noninterest expense to average assets | 1.7049% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9294% | 2,584 |
| Return on assets (ROA) | -3.7404% | 5,038 |
| Pretax return on assets | -5.3094% | 5,050 |
| Return on Equity (ROE) | -9.3896% | 4,982 |
| Retained earnings to average equity (ytd only) | -9.3896% | 4,905 |
| Net charge-offs to loans | 0.0766% | 1,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.0769% | 1,331 |
| Efficiency ratio | 73.9130% | 1,469 |
| Assets per employee ($millions) | 10.1545% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 595 |
| Loan loss allowance to noncurrent loans | 314.1439% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 3,888 |
| Noncurrent loans to loans | 0.5871% | 2,396 |
| Net loans and leases to total assets | 21.4040% | 4,947 |
| Net loans and leases to deposits | 40.3304% | 4,788 |
| Net loans and leases to core deposits | 40.7877% | 4,815 |
| Total domestic deposits to total assets | 53.0717% | 5,000 |
| Equity capital to assets | 38.9817% | 43 |
| Core capital (leverage) ratio | 42.4024% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9599% | 230 |
| Memoranda: | ||
| Average total assets | $303,124,667 | 2,237 |
| Average earning assets | $290,961,000 | 2,179 |
| Average equity | $120,750,667 | 799 |
| Average total loans | $67,865,667 | 3,794 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6345% | 5,029 |
| Cost of funding earning assets | 0.2712% | 4,730 |
| Net interest margin | 2.3633% | 4,897 |
| Noninterest income to average assets | 0.2099% | 4,291 |
| Noninterest expense to average assets | 1.7128% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.6247% | 97 |
| Return on assets (ROA) | -23.3172% | 5,114 |
| Pretax return on assets | -32.0776% | 5,116 |
| Return on Equity (ROE) | -57.8774% | 5,106 |
| Retained earnings to average equity (ytd only) | -57.8774% | 5,092 |
| Net charge-offs to loans | 0.0178% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 188.3333% | 361 |
| Efficiency ratio | 69.2601% | 2,472 |
| Assets per employee ($millions) | 9.3815% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 601 |
| Loan loss allowance to noncurrent loans | 173.0201% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,427 |
| Noncurrent loans to loans | 1.0998% | 1,509 |
| Net loans and leases to total assets | 22.8484% | 4,987 |
| Net loans and leases to deposits | 42.9551% | 4,784 |
| Net loans and leases to core deposits | 43.4793% | 4,817 |
| Total domestic deposits to total assets | 53.1913% | 5,061 |
| Equity capital to assets | 38.2043% | 52 |
| Core capital (leverage) ratio | 36.7192% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2639% | 226 |
| Memoranda: | ||
| Average total assets | $297,291,500 | 2,225 |
| Average earning assets | $284,687,000 | 2,168 |
| Average equity | $119,770,500 | 802 |
| Average total loans | $67,476,500 | 3,812 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8447% | 5,086 |
| Cost of funding earning assets | 0.2698% | 4,802 |
| Net interest margin | 2.5750% | 4,927 |
| Noninterest income to average assets | 0.1873% | 4,543 |
| Noninterest expense to average assets | 1.8351% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2998% | 4,746 |
| Return on assets (ROA) | 6.5134% | 29 |
| Pretax return on assets | 8.7092% | 28 |
| Return on Equity (ROE) | 15.9615% | 544 |
| Retained earnings to average equity (ytd only) | 15.9615% | 68 |
| Net charge-offs to loans | -0.0015% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5008% | 2,388 |
| Assets per employee ($millions) | 10.1252% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 528 |
| Loan loss allowance to noncurrent loans | 196.0546% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 3,593 |
| Noncurrent loans to loans | 0.9804% | 1,558 |
| Net loans and leases to total assets | 21.7025% | 5,057 |
| Net loans and leases to deposits | 43.6810% | 4,833 |
| Net loans and leases to core deposits | 44.3248% | 4,867 |
| Total domestic deposits to total assets | 49.6841% | 5,129 |
| Equity capital to assets | 42.2815% | 45 |
| Core capital (leverage) ratio | 43.5719% | 45 |
| Tier 1 risk-based capital ratio | 32.6161% | 396 |
| Total risk-based capital ratio | 32.9406% | 419 |
| Memoranda: | ||
| Average total assets | $293,059,400 | 2,203 |
| Average earning assets | $283,577,800 | 2,123 |
| Average equity | $119,587,800 | 764 |
| Average total loans | $66,331,600 | 3,852 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8951% | 5,171 |
| Cost of funding earning assets | 0.2711% | 4,870 |
| Net interest margin | 2.6239% | 4,986 |
| Noninterest income to average assets | 0.1938% | 4,561 |
| Noninterest expense to average assets | 1.8031% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4090% | 4,706 |
| Return on assets (ROA) | 6.0153% | 29 |
| Pretax return on assets | 8.0245% | 29 |
| Return on Equity (ROE) | 14.8817% | 799 |
| Retained earnings to average equity (ytd only) | 14.8817% | 154 |
| Net charge-offs to loans | -0.0020% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0222% | 2,724 |
| Assets per employee ($millions) | 9.8827% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9611% | 500 |
| Loan loss allowance to noncurrent loans | 269.7286% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 3,934 |
| Noncurrent loans to loans | 0.7270% | 2,148 |
| Net loans and leases to total assets | 21.7860% | 5,146 |
| Net loans and leases to deposits | 42.5033% | 4,947 |
| Net loans and leases to core deposits | 43.2027% | 4,977 |
| Total domestic deposits to total assets | 51.2571% | 5,200 |
| Equity capital to assets | 41.2955% | 47 |
| Core capital (leverage) ratio | 41.8382% | 48 |
| Tier 1 risk-based capital ratio | 32.9087% | 402 |
| Total risk-based capital ratio | 33.2520% | 420 |
| Memoranda: | ||
| Average total assets | $290,385,000 | 2,232 |
| Average earning assets | $280,791,250 | 2,156 |
| Average equity | $117,376,500 | 774 |
| Average total loans | $66,110,750 | 3,898 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9290% | 5,223 |
| Cost of funding earning assets | 0.2707% | 4,901 |
| Net interest margin | 2.6583% | 5,033 |
| Noninterest income to average assets | 0.1907% | 4,613 |
| Noninterest expense to average assets | 1.8623% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2058% | 4,989 |
| Return on assets (ROA) | 8.2961% | 24 |
| Pretax return on assets | 11.1370% | 24 |
| Return on Equity (ROE) | 20.6775% | 216 |
| Retained earnings to average equity (ytd only) | 20.6775% | 53 |
| Net charge-offs to loans | -0.0030% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5132% | 2,609 |
| Assets per employee ($millions) | 9.8516% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 509 |
| Loan loss allowance to noncurrent loans | 264.7541% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,940 |
| Noncurrent loans to loans | 0.7392% | 2,144 |
| Net loans and leases to total assets | 21.9000% | 5,193 |
| Net loans and leases to deposits | 42.4476% | 4,985 |
| Net loans and leases to core deposits | 43.0690% | 5,017 |
| Total domestic deposits to total assets | 51.5930% | 5,247 |
| Equity capital to assets | 41.0096% | 48 |
| Core capital (leverage) ratio | 41.8295% | 46 |
| Tier 1 risk-based capital ratio | 32.6813% | 400 |
| Total risk-based capital ratio | 33.0255% | 417 |
| Memoranda: | ||
| Average total assets | $288,353,330 | 2,248 |
| Average earning assets | $278,527,330 | 2,175 |
| Average equity | $115,691,000 | 778 |
| Average total loans | $66,186,670 | 3,922 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 5,281 |
| Cost of funding earning assets | 0.2693% | 4,933 |
| Net interest margin | 2.6882% | 5,078 |
| Noninterest income to average assets | 0.2023% | 4,545 |
| Noninterest expense to average assets | 1.7362% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0501% | 5,163 |
| Return on assets (ROA) | 13.0835% | 13 |
| Pretax return on assets | 17.6853% | 13 |
| Return on Equity (ROE) | 32.9889% | 38 |
| Retained earnings to average equity (ytd only) | 32.9889% | 20 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0794% | 3,524 |
| Assets per employee ($millions) | 9.7314% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 553 |
| Loan loss allowance to noncurrent loans | 213.7417% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 3,786 |
| Noncurrent loans to loans | 0.9118% | 1,833 |
| Net loans and leases to total assets | 22.2476% | 5,248 |
| Net loans and leases to deposits | 42.3215% | 5,031 |
| Net loans and leases to core deposits | 42.9348% | 5,063 |
| Total domestic deposits to total assets | 52.5680% | 5,310 |
| Equity capital to assets | 40.4906% | 46 |
| Core capital (leverage) ratio | 41.8247% | 45 |
| Tier 1 risk-based capital ratio | 32.9559% | 389 |
| Total risk-based capital ratio | 33.3104% | 406 |
| Memoranda: | ||
| Average total assets | $284,756,000 | 2,284 |
| Average earning assets | $274,829,000 | 2,207 |
| Average equity | $112,935,000 | 791 |
| Average total loans | $66,271,500 | 3,959 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7484% | 5,304 |
| Cost of funding earning assets | 0.2745% | 4,683 |
| Net interest margin | 2.4738% | 5,227 |
| Noninterest income to average assets | 0.1989% | 4,711 |
| Noninterest expense to average assets | 1.9171% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6021% | 4,416 |
| Return on assets (ROA) | 0.8524% | 3,594 |
| Pretax return on assets | 0.9496% | 3,759 |
| Return on Equity (ROE) | 2.2023% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,278 |
| Net charge-offs to loans | 0.0119% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 239.2500% | 391 |
| Efficiency ratio | 74.0615% | 1,618 |
| Assets per employee ($millions) | 9.2523% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 526 |
| Loan loss allowance to noncurrent loans | 268.9583% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,942 |
| Noncurrent loans to loans | 0.7240% | 2,180 |
| Net loans and leases to total assets | 23.4215% | 5,283 |
| Net loans and leases to deposits | 42.9147% | 5,050 |
| Net loans and leases to core deposits | 43.5424% | 5,084 |
| Total domestic deposits to total assets | 54.5769% | 5,349 |
| Equity capital to assets | 38.7870% | 50 |
| Core capital (leverage) ratio | 30.7985% | 66 |
| Tier 1 risk-based capital ratio | 29.0733% | 508 |
| Total risk-based capital ratio | 39.7451% | 249 |
| Memoranda: | ||
| Average total assets | $285,070,600 | 2,233 |
| Average earning assets | $275,365,200 | 2,162 |
| Average equity | $110,340,600 | 779 |
| Average total loans | $67,243,800 | 3,930 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6965% | 5,380 |
| Cost of funding earning assets | 0.2701% | 4,674 |
| Net interest margin | 2.4263% | 5,312 |
| Noninterest income to average assets | 0.1942% | 4,811 |
| Noninterest expense to average assets | 1.8447% | 4,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5816% | 4,549 |
| Return on assets (ROA) | 1.0938% | 2,711 |
| Pretax return on assets | 1.3122% | 2,568 |
| Return on Equity (ROE) | 2.8273% | 5,028 |
| Retained earnings to average equity (ytd only) | 2.8273% | 4,304 |
| Net charge-offs to loans | 0.0158% | 2,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 186.9372% | 461 |
| Efficiency ratio | 72.6308% | 1,791 |
| Assets per employee ($millions) | 9.9562% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 538 |
| Loan loss allowance to noncurrent loans | 260.2823% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 4,093 |
| Noncurrent loans to loans | 0.7484% | 2,217 |
| Net loans and leases to total assets | 22.5066% | 5,365 |
| Net loans and leases to deposits | 42.4684% | 5,142 |
| Net loans and leases to core deposits | 43.2252% | 5,176 |
| Total domestic deposits to total assets | 52.9961% | 5,422 |
| Equity capital to assets | 39.8942% | 46 |
| Core capital (leverage) ratio | 30.6166% | 64 |
| Tier 1 risk-based capital ratio | 26.8595% | 630 |
| Total risk-based capital ratio | 38.6433% | 262 |
| Memoranda: | ||
| Average total assets | $286,945,750 | 2,239 |
| Average earning assets | $277,394,000 | 2,162 |
| Average equity | $111,010,500 | 767 |
| Average total loans | $67,479,250 | 3,959 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6476% | 5,447 |
| Cost of funding earning assets | 0.2667% | 4,661 |
| Net interest margin | 2.3809% | 5,392 |
| Noninterest income to average assets | 0.2039% | 4,797 |
| Noninterest expense to average assets | 1.8509% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6270% | 4,416 |
| Return on assets (ROA) | 0.5713% | 4,583 |
| Pretax return on assets | 0.5958% | 4,744 |
| Return on Equity (ROE) | 1.4924% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.4924% | 4,644 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8985% | 1,719 |
| Assets per employee ($millions) | 9.5487% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 581 |
| Loan loss allowance to noncurrent loans | 160.3704% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 3,639 |
| Noncurrent loans to loans | 1.2095% | 1,441 |
| Net loans and leases to total assets | 22.9254% | 5,419 |
| Net loans and leases to deposits | 41.4824% | 5,205 |
| Net loans and leases to core deposits | 42.1932% | 5,238 |
| Total domestic deposits to total assets | 55.2653% | 5,481 |
| Equity capital to assets | 38.1921% | 52 |
| Core capital (leverage) ratio | 29.7485% | 72 |
| Tier 1 risk-based capital ratio | 27.1210% | 600 |
| Total risk-based capital ratio | 38.2397% | 274 |
| Memoranda: | ||
| Average total assets | $286,351,330 | 2,249 |
| Average earning assets | $276,701,000 | 2,175 |
| Average equity | $109,618,670 | 775 |
| Average total loans | $67,881,000 | 3,974 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6176% | 5,506 |
| Cost of funding earning assets | 0.2675% | 4,600 |
| Net interest margin | 2.3501% | 5,458 |
| Noninterest income to average assets | 0.2124% | 4,736 |
| Noninterest expense to average assets | 1.7716% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6799% | 4,174 |
| Return on assets (ROA) | 0.5672% | 4,528 |
| Pretax return on assets | 0.5938% | 4,698 |
| Return on Equity (ROE) | 1.4801% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.4801% | 4,498 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3562% | 2,290 |
| Assets per employee ($millions) | 9.4951% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 644 |
| Loan loss allowance to noncurrent loans | 190.7489% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,915 |
| Noncurrent loans to loans | 1.0022% | 1,826 |
| Net loans and leases to total assets | 23.3980% | 5,471 |
| Net loans and leases to deposits | 42.1025% | 5,213 |
| Net loans and leases to core deposits | 42.8929% | 5,240 |
| Total domestic deposits to total assets | 55.5739% | 5,543 |
| Equity capital to assets | 37.9733% | 49 |
| Core capital (leverage) ratio | 29.7253% | 68 |
| Tier 1 risk-based capital ratio | 26.8834% | 622 |
| Total risk-based capital ratio | 37.7655% | 284 |
| Memoranda: | ||
| Average total assets | $286,297,000 | 2,271 |
| Average earning assets | $276,587,500 | 2,201 |
| Average equity | $109,725,500 | 776 |
| Average total loans | $68,336,000 | 4,000 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6306% | 5,520 |
| Cost of funding earning assets | 0.2749% | 4,366 |
| Net interest margin | 2.3557% | 5,485 |
| Noninterest income to average assets | 0.3072% | 4,263 |
| Noninterest expense to average assets | 1.8583% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.9610% | 73 |
| Return on assets (ROA) | 3.0307% | 71 |
| Pretax return on assets | 0.7877% | 4,280 |
| Return on Equity (ROE) | 8.5388% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.5388% | 606 |
| Net charge-offs to loans | 0.0515% | 2,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 56.0278% | 1,001 |
| Efficiency ratio | 72.1332% | 2,202 |
| Assets per employee ($millions) | 9.2820% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 657 |
| Loan loss allowance to noncurrent loans | 201.3953% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,018 |
| Noncurrent loans to loans | 0.9386% | 1,900 |
| Net loans and leases to total assets | 23.4322% | 5,539 |
| Net loans and leases to deposits | 42.9871% | 5,268 |
| Net loans and leases to core deposits | 43.7992% | 5,300 |
| Total domestic deposits to total assets | 54.5098% | 5,610 |
| Equity capital to assets | 38.6747% | 45 |
| Core capital (leverage) ratio | 29.3446% | 64 |
| Tier 1 risk-based capital ratio | 23.3746% | 874 |
| Total risk-based capital ratio | 33.5308% | 382 |
| Memoranda: | ||
| Average total assets | $280,954,400 | 2,284 |
| Average earning assets | $270,625,000 | 2,204 |
| Average equity | $99,721,200 | 831 |
| Average total loans | $69,871,800 | 3,967 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6354% | 5,582 |
| Cost of funding earning assets | 0.2753% | 4,356 |
| Net interest margin | 2.3601% | 5,548 |
| Noninterest income to average assets | 0.3404% | 4,100 |
| Noninterest expense to average assets | 1.8315% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6608% | 4,154 |
| Return on assets (ROA) | 0.6718% | 4,170 |
| Pretax return on assets | 0.7935% | 4,366 |
| Return on Equity (ROE) | 1.9373% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.9373% | 4,662 |
| Net charge-offs to loans | 0.0684% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 45.4156% | 1,192 |
| Efficiency ratio | 70.1152% | 2,517 |
| Assets per employee ($millions) | 9.4611% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 707 |
| Loan loss allowance to noncurrent loans | 199.2331% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 4,141 |
| Noncurrent loans to loans | 0.9521% | 2,021 |
| Net loans and leases to total assets | 23.6702% | 5,605 |
| Net loans and leases to deposits | 42.3342% | 5,357 |
| Net loans and leases to core deposits | 43.1921% | 5,383 |
| Total domestic deposits to total assets | 55.9126% | 5,671 |
| Equity capital to assets | 35.5923% | 54 |
| Core capital (leverage) ratio | 29.2338% | 62 |
| Tier 1 risk-based capital ratio | 23.8890% | 859 |
| Total risk-based capital ratio | 33.2495% | 410 |
| Memoranda: | ||
| Average total assets | $279,257,750 | 2,309 |
| Average earning assets | $268,792,000 | 2,232 |
| Average equity | $96,830,750 | 854 |
| Average total loans | $70,159,000 | 3,989 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6355% | 5,620 |
| Cost of funding earning assets | 0.2748% | 4,338 |
| Net interest margin | 2.3608% | 5,587 |
| Noninterest income to average assets | 0.4263% | 3,515 |
| Noninterest expense to average assets | 1.8694% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6896% | 3,890 |
| Return on assets (ROA) | 0.7057% | 3,886 |
| Pretax return on assets | 0.8469% | 4,106 |
| Return on Equity (ROE) | 2.0538% | 5,336 |
| Retained earnings to average equity (ytd only) | 2.0538% | 4,433 |
| Net charge-offs to loans | -0.0396% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3191% | 2,800 |
| Assets per employee ($millions) | 9.4333% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 662 |
| Loan loss allowance to noncurrent loans | 163.5152% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 3,969 |
| Noncurrent loans to loans | 1.1906% | 1,636 |
| Net loans and leases to total assets | 24.0076% | 5,647 |
| Net loans and leases to deposits | 41.7785% | 5,405 |
| Net loans and leases to core deposits | 42.7479% | 5,431 |
| Total domestic deposits to total assets | 57.4640% | 5,716 |
| Equity capital to assets | 34.6200% | 52 |
| Core capital (leverage) ratio | 28.6893% | 61 |
| Tier 1 risk-based capital ratio | 32.2012% | 396 |
| Total risk-based capital ratio | 32.8490% | 408 |
| Memoranda: | ||
| Average total assets | $277,732,330 | 2,322 |
| Average earning assets | $267,117,330 | 2,255 |
| Average equity | $95,433,330 | 864 |
| Average total loans | $70,717,670 | 3,992 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5823% | 5,693 |
| Cost of funding earning assets | 0.2741% | 4,314 |
| Net interest margin | 2.3082% | 5,659 |
| Noninterest income to average assets | 0.6718% | 2,086 |
| Noninterest expense to average assets | 1.9135% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7398% | 3,517 |
| Return on assets (ROA) | 1.2868% | 1,304 |
| Pretax return on assets | 1.6939% | 1,021 |
| Return on Equity (ROE) | 3.7594% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,569 |
| Net charge-offs to loans | -0.0112% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2638% | 3,454 |
| Assets per employee ($millions) | 9.2915% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 801 |
| Loan loss allowance to noncurrent loans | 171.1908% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,092 |
| Noncurrent loans to loans | 1.1032% | 1,852 |
| Net loans and leases to total assets | 24.9175% | 5,684 |
| Net loans and leases to deposits | 43.0743% | 5,389 |
| Net loans and leases to core deposits | 44.2217% | 5,408 |
| Total domestic deposits to total assets | 57.8477% | 5,787 |
| Equity capital to assets | 34.4409% | 58 |
| Core capital (leverage) ratio | 29.0293% | 64 |
| Tier 1 risk-based capital ratio | 32.1175% | 410 |
| Total risk-based capital ratio | 32.7573% | 426 |
| Memoranda: | ||
| Average total assets | $275,099,500 | 2,361 |
| Average earning assets | $264,103,000 | 2,290 |
| Average equity | $94,163,000 | 868 |
| Average total loans | $71,431,500 | 4,019 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7093% | 5,685 |
| Cost of funding earning assets | 0.2832% | 4,232 |
| Net interest margin | 2.4262% | 5,628 |
| Noninterest income to average assets | 0.1999% | 5,216 |
| Noninterest expense to average assets | 2.3401% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2188% | 5,382 |
| Return on assets (ROA) | 0.7010% | 3,884 |
| Pretax return on assets | 0.6765% | 4,566 |
| Return on Equity (ROE) | 2.1159% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.1159% | 4,329 |
| Net charge-offs to loans | 0.0584% | 2,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.9535% | 2,500 |
| Efficiency ratio | 92.3352% | 448 |
| Assets per employee ($millions) | 8.7566% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 870 |
| Loan loss allowance to noncurrent loans | 179.4355% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 4,188 |
| Noncurrent loans to loans | 1.0323% | 2,013 |
| Net loans and leases to total assets | 26.0577% | 5,729 |
| Net loans and leases to deposits | 44.3560% | 5,420 |
| Net loans and leases to core deposits | 45.4753% | 5,449 |
| Total domestic deposits to total assets | 58.7468% | 5,835 |
| Equity capital to assets | 34.0108% | 58 |
| Core capital (leverage) ratio | 28.8635% | 67 |
| Tier 1 risk-based capital ratio | 32.2878% | 403 |
| Total risk-based capital ratio | 32.9381% | 415 |
| Memoranda: | ||
| Average total assets | $264,604,800 | 2,396 |
| Average earning assets | $254,600,200 | 2,328 |
| Average equity | $87,667,600 | 906 |
| Average total loans | $73,670,800 | 3,949 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6770% | 5,768 |
| Cost of funding earning assets | 0.2839% | 4,266 |
| Net interest margin | 2.3931% | 5,722 |
| Noninterest income to average assets | 0.1912% | 5,320 |
| Noninterest expense to average assets | 1.9795% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5144% | 4,644 |
| Return on assets (ROA) | 0.4737% | 4,871 |
| Pretax return on assets | 0.4788% | 5,175 |
| Return on Equity (ROE) | 1.4396% | 5,571 |
| Retained earnings to average equity (ytd only) | 1.4396% | 4,937 |
| Net charge-offs to loans | -0.0072% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2005% | 1,533 |
| Assets per employee ($millions) | 8.6045% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 865 |
| Loan loss allowance to noncurrent loans | 191.6782% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,351 |
| Noncurrent loans to loans | 0.9876% | 2,268 |
| Net loans and leases to total assets | 26.8511% | 5,779 |
| Net loans and leases to deposits | 45.5498% | 5,466 |
| Net loans and leases to core deposits | 46.7180% | 5,486 |
| Total domestic deposits to total assets | 58.9489% | 5,897 |
| Equity capital to assets | 33.5198% | 58 |
| Core capital (leverage) ratio | 28.5572% | 66 |
| Tier 1 risk-based capital ratio | 32.5960% | 392 |
| Total risk-based capital ratio | 33.2820% | 404 |
| Memoranda: | ||
| Average total assets | $262,892,250 | 2,416 |
| Average earning assets | $253,561,250 | 2,347 |
| Average equity | $86,503,500 | 922 |
| Average total loans | $74,071,000 | 3,968 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7009% | 5,843 |
| Cost of funding earning assets | 0.2838% | 4,307 |
| Net interest margin | 2.4171% | 5,801 |
| Noninterest income to average assets | 0.1927% | 5,345 |
| Noninterest expense to average assets | 1.9839% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5338% | 4,548 |
| Return on assets (ROA) | 0.4725% | 4,884 |
| Pretax return on assets | 0.4778% | 5,181 |
| Return on Equity (ROE) | 1.4450% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.4450% | 4,799 |
| Net charge-offs to loans | -0.0081% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6125% | 1,700 |
| Assets per employee ($millions) | 8.9532% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 942 |
| Loan loss allowance to noncurrent loans | 156.2217% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,183 |
| Noncurrent loans to loans | 1.1973% | 1,923 |
| Net loans and leases to total assets | 26.9744% | 5,849 |
| Net loans and leases to deposits | 44.9903% | 5,531 |
| Net loans and leases to core deposits | 46.1152% | 5,560 |
| Total domestic deposits to total assets | 59.9561% | 5,972 |
| Equity capital to assets | 32.8442% | 57 |
| Core capital (leverage) ratio | 28.2410% | 64 |
| Tier 1 risk-based capital ratio | 32.3562% | 404 |
| Total risk-based capital ratio | 33.0400% | 418 |
| Memoranda: | ||
| Average total assets | $261,610,330 | 2,446 |
| Average earning assets | $252,284,670 | 2,364 |
| Average equity | $85,534,670 | 927 |
| Average total loans | $74,426,670 | 3,990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7683% | 5,871 |
| Cost of funding earning assets | 0.2813% | 4,372 |
| Net interest margin | 2.4870% | 5,816 |
| Noninterest income to average assets | 0.1953% | 5,338 |
| Noninterest expense to average assets | 2.0022% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6958% | 3,736 |
| Return on assets (ROA) | 0.3363% | 5,281 |
| Pretax return on assets | 0.2309% | 5,607 |
| Return on Equity (ROE) | 1.0310% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.0310% | 4,822 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2265% | 2,001 |
| Assets per employee ($millions) | 8.6947% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 1,046 |
| Loan loss allowance to noncurrent loans | 154.8315% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 4,193 |
| Noncurrent loans to loans | 1.1965% | 2,027 |
| Net loans and leases to total assets | 27.9884% | 5,875 |
| Net loans and leases to deposits | 46.4411% | 5,491 |
| Net loans and leases to core deposits | 47.4419% | 5,533 |
| Total domestic deposits to total assets | 60.2664% | 6,034 |
| Equity capital to assets | 32.8899% | 57 |
| Core capital (leverage) ratio | 28.5543% | 65 |
| Tier 1 risk-based capital ratio | 29.7672% | 518 |
| Total risk-based capital ratio | 30.3994% | 535 |
| Memoranda: | ||
| Average total assets | $258,118,000 | 2,478 |
| Average earning assets | $248,814,000 | 2,395 |
| Average equity | $84,193,000 | 944 |
| Average total loans | $74,723,500 | 4,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 5,861 |
| Cost of funding earning assets | 0.3059% | 4,184 |
| Net interest margin | 2.5213% | 5,817 |
| Noninterest income to average assets | 0.2004% | 5,389 |
| Noninterest expense to average assets | 2.0424% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4888% | 4,738 |
| Return on assets (ROA) | 1.1013% | 1,993 |
| Pretax return on assets | 1.3255% | 2,177 |
| Return on Equity (ROE) | 3.4486% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.4486% | 3,602 |
| Net charge-offs to loans | 0.0840% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.1846% | 1,741 |
| Efficiency ratio | 77.6608% | 2,021 |
| Assets per employee ($millions) | 8.8068% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 1,068 |
| Loan loss allowance to noncurrent loans | 155.0056% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 4,195 |
| Noncurrent loans to loans | 1.1843% | 1,988 |
| Net loans and leases to total assets | 28.8517% | 5,922 |
| Net loans and leases to deposits | 47.1385% | 5,510 |
| Net loans and leases to core deposits | 48.1491% | 5,560 |
| Total domestic deposits to total assets | 61.2061% | 6,078 |
| Equity capital to assets | 32.3404% | 58 |
| Core capital (leverage) ratio | 28.5391% | 65 |
| Tier 1 risk-based capital ratio | 27.8561% | 605 |
| Total risk-based capital ratio | 28.4491% | 635 |
| Memoranda: | ||
| Average total assets | $256,510,400 | 2,456 |
| Average earning assets | $247,170,800 | 2,366 |
| Average equity | $81,918,000 | 926 |
| Average total loans | $77,412,200 | 3,900 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7987% | 5,957 |
| Cost of funding earning assets | 0.3109% | 4,218 |
| Net interest margin | 2.4878% | 5,915 |
| Noninterest income to average assets | 0.1994% | 5,447 |
| Noninterest expense to average assets | 1.9549% | 5,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5662% | 4,545 |
| Return on assets (ROA) | 0.9211% | 2,944 |
| Pretax return on assets | 1.0405% | 3,457 |
| Return on Equity (ROE) | 2.8933% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.8933% | 4,388 |
| Net charge-offs to loans | 0.1162% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.1774% | 2,013 |
| Efficiency ratio | 75.2849% | 2,355 |
| Assets per employee ($millions) | 8.5782% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 1,243 |
| Loan loss allowance to noncurrent loans | 258.9454% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,773 |
| Noncurrent loans to loans | 0.6989% | 3,231 |
| Net loans and leases to total assets | 29.9883% | 5,974 |
| Net loans and leases to deposits | 48.3220% | 5,548 |
| Net loans and leases to core deposits | 49.3772% | 5,598 |
| Total domestic deposits to total assets | 62.0593% | 6,159 |
| Equity capital to assets | 31.8113% | 61 |
| Core capital (leverage) ratio | 28.0204% | 68 |
| Tier 1 risk-based capital ratio | 27.2349% | 670 |
| Total risk-based capital ratio | 27.8221% | 702 |
| Memoranda: | ||
| Average total assets | $256,789,000 | 2,466 |
| Average earning assets | $247,443,250 | 2,386 |
| Average equity | $81,748,500 | 935 |
| Average total loans | $77,999,250 | 3,922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7941% | 6,023 |
| Cost of funding earning assets | 0.3157% | 4,210 |
| Net interest margin | 2.4784% | 5,984 |
| Noninterest income to average assets | 0.2012% | 5,473 |
| Noninterest expense to average assets | 1.8669% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6050% | 4,323 |
| Return on assets (ROA) | 1.1023% | 2,033 |
| Pretax return on assets | 1.3166% | 2,304 |
| Return on Equity (ROE) | 3.4617% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.4617% | 3,836 |
| Net charge-offs to loans | -0.0051% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0405% | 2,992 |
| Assets per employee ($millions) | 8.7092% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 1,226 |
| Loan loss allowance to noncurrent loans | 143.7811% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,361 |
| Noncurrent loans to loans | 1.3006% | 2,063 |
| Net loans and leases to total assets | 29.0218% | 6,070 |
| Net loans and leases to deposits | 46.9860% | 5,631 |
| Net loans and leases to core deposits | 47.9641% | 5,692 |
| Total domestic deposits to total assets | 61.7669% | 6,235 |
| Equity capital to assets | 31.5130% | 61 |
| Core capital (leverage) ratio | 27.7619% | 72 |
| Tier 1 risk-based capital ratio | 26.9413% | 710 |
| Total risk-based capital ratio | 27.5536% | 739 |
| Memoranda: | ||
| Average total assets | $259,463,000 | 2,461 |
| Average earning assets | $250,240,000 | 2,367 |
| Average equity | $82,619,330 | 932 |
| Average total loans | $78,673,670 | 3,927 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8137% | 6,061 |
| Cost of funding earning assets | 0.3240% | 4,175 |
| Net interest margin | 2.4896% | 6,027 |
| Noninterest income to average assets | 0.2058% | 5,483 |
| Noninterest expense to average assets | 1.8379% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7514% | 3,529 |
| Return on assets (ROA) | 0.8060% | 3,352 |
| Pretax return on assets | 0.8246% | 4,150 |
| Return on Equity (ROE) | 2.5181% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.5181% | 4,427 |
| Net charge-offs to loans | -0.0151% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5045% | 3,397 |
| Assets per employee ($millions) | 8.6639% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 1,430 |
| Loan loss allowance to noncurrent loans | 253.2399% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 5,068 |
| Noncurrent loans to loans | 0.7234% | 3,450 |
| Net loans and leases to total assets | 29.8125% | 6,078 |
| Net loans and leases to deposits | 48.7190% | 5,532 |
| Net loans and leases to core deposits | 49.6654% | 5,606 |
| Total domestic deposits to total assets | 61.1928% | 6,309 |
| Equity capital to assets | 31.8146% | 65 |
| Core capital (leverage) ratio | 27.7779% | 71 |
| Tier 1 risk-based capital ratio | 26.8024% | 728 |
| Total risk-based capital ratio | 27.4207% | 754 |
| Memoranda: | ||
| Average total assets | $258,556,500 | 2,479 |
| Average earning assets | $249,354,500 | 2,386 |
| Average equity | $82,761,000 | 923 |
| Average total loans | $79,374,500 | 3,917 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 6,117 |
| Cost of funding earning assets | 0.3595% | 4,147 |
| Net interest margin | 2.5600% | 6,105 |
| Noninterest income to average assets | 0.2129% | 5,581 |
| Noninterest expense to average assets | 1.9161% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6421% | 4,182 |
| Return on assets (ROA) | 1.0601% | 2,186 |
| Pretax return on assets | 1.2726% | 2,337 |
| Return on Equity (ROE) | 3.2992% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.2992% | 3,880 |
| Net charge-offs to loans | -0.0101% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3592% | 3,318 |
| Assets per employee ($millions) | 7.5646% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 1,516 |
| Loan loss allowance to noncurrent loans | 125.5875% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 4,326 |
| Noncurrent loans to loans | 1.4396% | 2,043 |
| Net loans and leases to total assets | 30.4718% | 6,161 |
| Net loans and leases to deposits | 50.2849% | 5,569 |
| Net loans and leases to core deposits | 51.2855% | 5,646 |
| Total domestic deposits to total assets | 60.5984% | 6,397 |
| Equity capital to assets | 33.1554% | 60 |
| Core capital (leverage) ratio | 28.3916% | 69 |
| Tier 1 risk-based capital ratio | 53.0302% | 119 |
| Total risk-based capital ratio | 54.2521% | 118 |
| Memoranda: | ||
| Average total assets | $253,176,600 | 2,496 |
| Average earning assets | $244,495,000 | 2,390 |
| Average equity | $81,352,200 | 900 |
| Average total loans | $79,558,000 | 3,883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8460% | 6,251 |
| Cost of funding earning assets | 0.3646% | 4,187 |
| Net interest margin | 2.4813% | 6,247 |
| Noninterest income to average assets | 0.2226% | 5,596 |
| Noninterest expense to average assets | 1.8516% | 6,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6719% | 4,095 |
| Return on assets (ROA) | 0.9369% | 2,835 |
| Pretax return on assets | 1.0717% | 3,293 |
| Return on Equity (ROE) | 2.9396% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.9396% | 4,503 |
| Net charge-offs to loans | -0.0101% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7046% | 3,388 |
| Assets per employee ($millions) | 7.6680% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 1,699 |
| Loan loss allowance to noncurrent loans | 120.7879% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 4,485 |
| Noncurrent loans to loans | 1.4877% | 2,184 |
| Net loans and leases to total assets | 31.1202% | 6,220 |
| Net loans and leases to deposits | 50.7727% | 5,594 |
| Net loans and leases to core deposits | 51.7079% | 5,703 |
| Total domestic deposits to total assets | 61.2931% | 6,473 |
| Equity capital to assets | 32.6361% | 61 |
| Core capital (leverage) ratio | 28.0701% | 68 |
| Tier 1 risk-based capital ratio | 51.9522% | 121 |
| Total risk-based capital ratio | 53.1652% | 121 |
| Memoranda: | ||
| Average total assets | $252,172,000 | 2,519 |
| Average earning assets | $243,520,750 | 2,413 |
| Average equity | $80,371,750 | 911 |
| Average total loans | $79,493,750 | 3,918 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 6,291 |
| Cost of funding earning assets | 0.3674% | 4,236 |
| Net interest margin | 2.4919% | 6,288 |
| Noninterest income to average assets | 0.2326% | 5,532 |
| Noninterest expense to average assets | 1.7985% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7751% | 3,450 |
| Return on assets (ROA) | 0.8496% | 3,176 |
| Pretax return on assets | 0.9227% | 3,794 |
| Return on Equity (ROE) | 2.6873% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.6873% | 4,498 |
| Net charge-offs to loans | -0.0050% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1203% | 3,984 |
| Assets per employee ($millions) | 8.3354% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 1,800 |
| Loan loss allowance to noncurrent loans | 119.6503% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 4,599 |
| Noncurrent loans to loans | 1.5193% | 2,289 |
| Net loans and leases to total assets | 30.0366% | 6,302 |
| Net loans and leases to deposits | 48.5920% | 5,734 |
| Net loans and leases to core deposits | 49.5379% | 5,824 |
| Total domestic deposits to total assets | 61.8139% | 6,542 |
| Equity capital to assets | 32.0436% | 59 |
| Core capital (leverage) ratio | 27.5664% | 71 |
| Tier 1 risk-based capital ratio | 52.0407% | 123 |
| Total risk-based capital ratio | 53.2663% | 122 |
| Memoranda: | ||
| Average total assets | $251,881,000 | 2,527 |
| Average earning assets | $243,350,670 | 2,408 |
| Average equity | $79,634,330 | 915 |
| Average total loans | $79,262,000 | 3,927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8591% | 6,353 |
| Cost of funding earning assets | 0.3716% | 4,299 |
| Net interest margin | 2.4876% | 6,343 |
| Noninterest income to average assets | 0.2494% | 5,372 |
| Noninterest expense to average assets | 1.8341% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7340% | 3,524 |
| Return on assets (ROA) | 0.8817% | 2,802 |
| Pretax return on assets | 0.9814% | 3,399 |
| Return on Equity (ROE) | 2.8084% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.8084% | 4,408 |
| Net charge-offs to loans | -0.0151% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1748% | 3,971 |
| Assets per employee ($millions) | 7.8343% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 1,996 |
| Loan loss allowance to noncurrent loans | 98.6960% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 4,405 |
| Noncurrent loans to loans | 1.8370% | 2,087 |
| Net loans and leases to total assets | 31.0627% | 6,303 |
| Net loans and leases to deposits | 49.8285% | 5,609 |
| Net loans and leases to core deposits | 50.8203% | 5,703 |
| Total domestic deposits to total assets | 62.3393% | 6,615 |
| Equity capital to assets | 31.9267% | 63 |
| Core capital (leverage) ratio | 27.6468% | 75 |
| Tier 1 risk-based capital ratio | 50.5778% | 130 |
| Total risk-based capital ratio | 51.7801% | 130 |
| Memoranda: | ||
| Average total assets | $248,622,500 | 2,571 |
| Average earning assets | $240,074,000 | 2,442 |
| Average equity | $78,051,500 | 940 |
| Average total loans | $79,367,500 | 3,958 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 6,191 |
| Cost of funding earning assets | 0.4433% | 4,179 |
| Net interest margin | 2.7085% | 6,125 |
| Noninterest income to average assets | 0.2394% | 5,636 |
| Noninterest expense to average assets | 2.0732% | 5,888 |
| Loan and lease loss provision to assets | 0.0419% | 4,275 |
| Net operating income to assets | 0.6397% | 4,077 |
| Return on assets (ROA) | 0.9276% | 2,733 |
| Pretax return on assets | 1.0567% | 3,126 |
| Return on Equity (ROE) | 3.1492% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.1492% | 3,994 |
| Net charge-offs to loans | 0.1462% | 3,338 |
| Credit loss provision to net charge-offs | 85.4701% | 2,886 |
| Earnings coverage of net charge-offs (x) | 15.7265% | 1,852 |
| Efficiency ratio | 72.8774% | 3,314 |
| Assets per employee ($millions) | 7.7046% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,047 |
| Loan loss allowance to noncurrent loans | 96.0509% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 4,420 |
| Noncurrent loans to loans | 1.8811% | 2,135 |
| Net loans and leases to total assets | 31.6322% | 6,410 |
| Net loans and leases to deposits | 50.5733% | 5,726 |
| Net loans and leases to core deposits | 51.5906% | 5,827 |
| Total domestic deposits to total assets | 62.5474% | 6,694 |
| Equity capital to assets | 30.8514% | 66 |
| Core capital (leverage) ratio | 27.4330% | 70 |
| Tier 1 risk-based capital ratio | 49.2717% | 140 |
| Total risk-based capital ratio | 50.4513% | 139 |
| Memoranda: | ||
| Average total assets | $238,474,000 | 2,635 |
| Average earning assets | $229,390,800 | 2,517 |
| Average equity | $70,240,200 | 1,017 |
| Average total loans | $80,039,800 | 3,938 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1013% | 6,318 |
| Cost of funding earning assets | 0.4669% | 4,093 |
| Net interest margin | 2.6343% | 6,269 |
| Noninterest income to average assets | 0.2628% | 5,567 |
| Noninterest expense to average assets | 2.0942% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6957% | 3,882 |
| Return on assets (ROA) | 0.7381% | 3,791 |
| Pretax return on assets | 0.7437% | 4,513 |
| Return on Equity (ROE) | 2.5373% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.5373% | 4,799 |
| Net charge-offs to loans | 0.1978% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.4455% | 2,356 |
| Efficiency ratio | 74.9243% | 2,921 |
| Assets per employee ($millions) | 7.4108% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 2,720 |
| Loan loss allowance to noncurrent loans | 74.4693% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 3,809 |
| Noncurrent loans to loans | 2.2471% | 1,959 |
| Net loans and leases to total assets | 33.0289% | 6,407 |
| Net loans and leases to deposits | 51.6288% | 5,735 |
| Net loans and leases to core deposits | 52.4232% | 5,866 |
| Total domestic deposits to total assets | 63.9738% | 6,754 |
| Equity capital to assets | 30.1395% | 63 |
| Core capital (leverage) ratio | 27.0839% | 69 |
| Tier 1 risk-based capital ratio | 48.1017% | 147 |
| Total risk-based capital ratio | 49.1877% | 147 |
| Memoranda: | ||
| Average total assets | $236,456,000 | 2,671 |
| Average earning assets | $227,299,750 | 2,552 |
| Average equity | $68,784,500 | 1,049 |
| Average total loans | $80,194,000 | 3,965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 6,366 |
| Cost of funding earning assets | 0.4887% | 4,003 |
| Net interest margin | 2.5933% | 6,343 |
| Noninterest income to average assets | 0.2464% | 5,686 |
| Noninterest expense to average assets | 2.0269% | 5,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5892% | 4,348 |
| Return on assets (ROA) | 0.7857% | 3,535 |
| Pretax return on assets | 0.9525% | 3,708 |
| Return on Equity (ROE) | 2.7339% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.7339% | 4,575 |
| Net charge-offs to loans | 0.2190% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.5682% | 2,264 |
| Efficiency ratio | 73.9802% | 3,135 |
| Assets per employee ($millions) | 7.4488% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 2,687 |
| Loan loss allowance to noncurrent loans | 71.2272% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 3,813 |
| Noncurrent loans to loans | 2.4235% | 1,932 |
| Net loans and leases to total assets | 32.5780% | 6,481 |
| Net loans and leases to deposits | 49.8057% | 5,859 |
| Net loans and leases to core deposits | 50.5422% | 5,991 |
| Total domestic deposits to total assets | 65.4103% | 6,769 |
| Equity capital to assets | 29.2113% | 63 |
| Core capital (leverage) ratio | 26.6336% | 71 |
| Tier 1 risk-based capital ratio | 47.7042% | 141 |
| Total risk-based capital ratio | 48.8135% | 142 |
| Memoranda: | ||
| Average total assets | $236,226,670 | 2,682 |
| Average earning assets | $227,127,670 | 2,564 |
| Average equity | $67,888,000 | 1,062 |
| Average total loans | $80,372,330 | 3,975 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 6,410 |
| Cost of funding earning assets | 0.5214% | 3,871 |
| Net interest margin | 2.5680% | 6,416 |
| Noninterest income to average assets | 0.2075% | 5,993 |
| Noninterest expense to average assets | 1.9697% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6454% | 3,987 |
| Return on assets (ROA) | 0.0850% | 6,265 |
| Pretax return on assets | 0.0936% | 6,268 |
| Return on Equity (ROE) | 0.2984% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.2984% | 5,694 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5238% | 3,346 |
| Assets per employee ($millions) | 7.0239% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 2,616 |
| Loan loss allowance to noncurrent loans | 59.3137% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 3,881 |
| Noncurrent loans to loans | 3.0369% | 1,648 |
| Net loans and leases to total assets | 33.1462% | 6,461 |
| Net loans and leases to deposits | 50.5431% | 5,748 |
| Net loans and leases to core deposits | 51.3946% | 5,867 |
| Total domestic deposits to total assets | 65.5800% | 6,853 |
| Equity capital to assets | 29.0140% | 67 |
| Core capital (leverage) ratio | 26.3625% | 74 |
| Tier 1 risk-based capital ratio | 47.2499% | 148 |
| Total risk-based capital ratio | 48.4373% | 148 |
| Memoranda: | ||
| Average total assets | $235,160,000 | 2,720 |
| Average earning assets | $226,321,500 | 2,601 |
| Average equity | $67,018,000 | 1,087 |
| Average total loans | $81,050,000 | 3,987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4573% | 6,405 |
| Cost of funding earning assets | 0.6806% | 3,647 |
| Net interest margin | 2.7767% | 6,411 |
| Noninterest income to average assets | 0.2268% | 5,818 |
| Noninterest expense to average assets | 2.1190% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7297% | 3,607 |
| Return on assets (ROA) | 0.7598% | 3,708 |
| Pretax return on assets | 0.8008% | 4,290 |
| Return on Equity (ROE) | 2.7447% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.7447% | 4,307 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3720% | 3,176 |
| Assets per employee ($millions) | 7.4680% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 2,650 |
| Loan loss allowance to noncurrent loans | 65.3171% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 4,107 |
| Noncurrent loans to loans | 2.7279% | 1,942 |
| Net loans and leases to total assets | 34.5729% | 6,514 |
| Net loans and leases to deposits | 50.9050% | 5,897 |
| Net loans and leases to core deposits | 51.9643% | 6,017 |
| Total domestic deposits to total assets | 67.9164% | 6,863 |
| Equity capital to assets | 27.9675% | 72 |
| Core capital (leverage) ratio | 26.5027% | 78 |
| Tier 1 risk-based capital ratio | 45.9462% | 164 |
| Total risk-based capital ratio | 47.1018% | 166 |
| Memoranda: | ||
| Average total assets | $227,036,800 | 2,763 |
| Average earning assets | $217,597,600 | 2,635 |
| Average equity | $62,848,400 | 1,133 |
| Average total loans | $81,820,400 | 3,977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4258% | 6,594 |
| Cost of funding earning assets | 0.7149% | 3,640 |
| Net interest margin | 2.7110% | 6,632 |
| Noninterest income to average assets | 0.2278% | 5,920 |
| Noninterest expense to average assets | 2.0992% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8817% | 3,069 |
| Return on assets (ROA) | 0.4438% | 5,304 |
| Pretax return on assets | 0.2868% | 5,984 |
| Return on Equity (ROE) | 1.6075% | 6,125 |
| Retained earnings to average equity (ytd only) | 1.6075% | 5,530 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3365% | 2,927 |
| Assets per employee ($millions) | 7.2035% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 2,922 |
| Loan loss allowance to noncurrent loans | 65.4939% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 4,360 |
| Noncurrent loans to loans | 2.6929% | 2,105 |
| Net loans and leases to total assets | 35.0851% | 6,608 |
| Net loans and leases to deposits | 52.0672% | 5,971 |
| Net loans and leases to core deposits | 53.2675% | 6,096 |
| Total domestic deposits to total assets | 67.3842% | 6,942 |
| Equity capital to assets | 28.1110% | 74 |
| Core capital (leverage) ratio | 26.0929% | 87 |
| Tier 1 risk-based capital ratio | 44.6642% | 180 |
| Total risk-based capital ratio | 45.8068% | 180 |
| Memoranda: | ||
| Average total assets | $225,919,000 | 2,795 |
| Average earning assets | $216,351,250 | 2,682 |
| Average equity | $62,373,750 | 1,149 |
| Average total loans | $81,902,750 | 4,025 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 6,644 |
| Cost of funding earning assets | 0.7394% | 3,691 |
| Net interest margin | 2.7277% | 6,675 |
| Noninterest income to average assets | 0.2219% | 5,987 |
| Noninterest expense to average assets | 2.0411% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7579% | 3,562 |
| Return on assets (ROA) | 0.7460% | 3,902 |
| Pretax return on assets | 0.7826% | 4,537 |
| Return on Equity (ROE) | 2.7191% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.7191% | 4,813 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9673% | 3,439 |
| Assets per employee ($millions) | 7.4004% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 2,984 |
| Loan loss allowance to noncurrent loans | 66.9124% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 4,475 |
| Noncurrent loans to loans | 2.6303% | 2,283 |
| Net loans and leases to total assets | 35.3287% | 6,648 |
| Net loans and leases to deposits | 50.8766% | 6,117 |
| Net loans and leases to core deposits | 52.1078% | 6,231 |
| Total domestic deposits to total assets | 69.4400% | 6,933 |
| Equity capital to assets | 26.9721% | 80 |
| Core capital (leverage) ratio | 25.9708% | 89 |
| Tier 1 risk-based capital ratio | 44.4345% | 175 |
| Total risk-based capital ratio | 45.5696% | 174 |
| Memoranda: | ||
| Average total assets | $224,388,330 | 2,822 |
| Average earning assets | $215,053,000 | 2,701 |
| Average equity | $61,565,330 | 1,161 |
| Average total loans | $81,761,330 | 4,045 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 6,666 |
| Cost of funding earning assets | 0.7562% | 3,819 |
| Net interest margin | 2.7689% | 6,678 |
| Noninterest income to average assets | 0.2416% | 5,901 |
| Noninterest expense to average assets | 1.9669% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8401% | 3,198 |
| Return on assets (ROA) | 0.8401% | 3,438 |
| Pretax return on assets | 0.9284% | 3,935 |
| Return on Equity (ROE) | 3.0354% | 5,703 |
| Retained earnings to average equity (ytd only) | 3.0354% | 4,735 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9328% | 4,187 |
| Assets per employee ($millions) | 7.3040% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 3,081 |
| Loan loss allowance to noncurrent loans | 87.7341% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 5,086 |
| Noncurrent loans to loans | 2.0201% | 3,131 |
| Net loans and leases to total assets | 35.5416% | 6,651 |
| Net loans and leases to deposits | 51.7235% | 5,996 |
| Net loans and leases to core deposits | 52.9967% | 6,128 |
| Total domestic deposits to total assets | 68.7146% | 7,031 |
| Equity capital to assets | 27.6829% | 71 |
| Core capital (leverage) ratio | 26.5365% | 77 |
| Tier 1 risk-based capital ratio | 46.0537% | 156 |
| Total risk-based capital ratio | 47.2379% | 156 |
| Memoranda: | ||
| Average total assets | $221,877,000 | 2,864 |
| Average earning assets | $212,650,000 | 2,740 |
| Average equity | $61,409,500 | 1,156 |
| Average total loans | $81,392,000 | 4,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 6,838 |
| Cost of funding earning assets | 0.8764% | 4,278 |
| Net interest margin | 2.8320% | 6,784 |
| Noninterest income to average assets | 0.8919% | 1,704 |
| Noninterest expense to average assets | 2.1915% | 6,289 |
| Loan and lease loss provision to assets | 0.0462% | 5,998 |
| Net operating income to assets | 1.1130% | 1,783 |
| Return on assets (ROA) | 0.8295% | 3,075 |
| Pretax return on assets | 1.0116% | 3,200 |
| Return on Equity (ROE) | 3.0249% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.0249% | 4,075 |
| Net charge-offs to loans | 0.0024% | 6,422 |
| Credit loss provision to net charge-offs | 5,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,518.5000% | 12 |
| Efficiency ratio | 60.9590% | 5,611 |
| Assets per employee ($millions) | 7.0106% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 2,882 |
| Loan loss allowance to noncurrent loans | 100.9034% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 5,325 |
| Noncurrent loans to loans | 1.7797% | 3,494 |
| Net loans and leases to total assets | 36.5368% | 6,728 |
| Net loans and leases to deposits | 51.9435% | 6,224 |
| Net loans and leases to core deposits | 53.2355% | 6,355 |
| Total domestic deposits to total assets | 70.3394% | 6,966 |
| Equity capital to assets | 27.6714% | 76 |
| Core capital (leverage) ratio | 26.4634% | 90 |
| Tier 1 risk-based capital ratio | 46.9837% | 155 |
| Total risk-based capital ratio | 48.2018% | 153 |
| Memoranda: | ||
| Average total assets | $216,385,200 | 2,876 |
| Average earning assets | $206,534,600 | 2,773 |
| Average equity | $59,340,400 | 1,138 |
| Average total loans | $82,677,000 | 4,060 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 6,964 |
| Cost of funding earning assets | 0.8926% | 4,450 |
| Net interest margin | 2.7728% | 6,918 |
| Noninterest income to average assets | 1.1140% | 1,074 |
| Noninterest expense to average assets | 2.1589% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2632% | 1,473 |
| Return on assets (ROA) | 1.0055% | 2,451 |
| Pretax return on assets | 1.2732% | 2,386 |
| Return on Equity (ROE) | 3.6747% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.6747% | 4,138 |
| Net charge-offs to loans | 0.0032% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,294.8502% | 12 |
| Efficiency ratio | 57.4430% | 6,090 |
| Assets per employee ($millions) | 6.6504% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,499 |
| Loan loss allowance to noncurrent loans | 111.8280% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 5,695 |
| Noncurrent loans to loans | 1.4626% | 4,106 |
| Net loans and leases to total assets | 38.2066% | 6,762 |
| Net loans and leases to deposits | 52.9493% | 6,297 |
| Net loans and leases to core deposits | 54.2559% | 6,446 |
| Total domestic deposits to total assets | 72.1569% | 6,925 |
| Equity capital to assets | 26.5922% | 101 |
| Core capital (leverage) ratio | 26.5233% | 96 |
| Tier 1 risk-based capital ratio | 45.6817% | 172 |
| Total risk-based capital ratio | 46.7878% | 172 |
| Memoranda: | ||
| Average total assets | $216,149,250 | 2,889 |
| Average earning assets | $206,138,500 | 2,783 |
| Average equity | $59,141,000 | 1,144 |
| Average total loans | $83,132,000 | 4,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 7,047 |
| Cost of funding earning assets | 0.8971% | 4,693 |
| Net interest margin | 2.7647% | 6,965 |
| Noninterest income to average assets | 0.5625% | 3,379 |
| Noninterest expense to average assets | 2.1292% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8694% | 2,773 |
| Return on assets (ROA) | 0.8239% | 3,085 |
| Pretax return on assets | 1.0154% | 3,182 |
| Return on Equity (ROE) | 2.9838% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.9838% | 4,380 |
| Net charge-offs to loans | 0.0024% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1,164.0000% | 14 |
| Efficiency ratio | 66.5229% | 4,766 |
| Assets per employee ($millions) | 6.9131% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 3,602 |
| Loan loss allowance to noncurrent loans | 118.4764% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 5,882 |
| Noncurrent loans to loans | 1.3717% | 4,354 |
| Net loans and leases to total assets | 37.0215% | 6,907 |
| Net loans and leases to deposits | 53.0008% | 6,391 |
| Net loans and leases to core deposits | 54.2748% | 6,543 |
| Total domestic deposits to total assets | 69.8508% | 7,121 |
| Equity capital to assets | 27.6738% | 93 |
| Core capital (leverage) ratio | 26.2073% | 106 |
| Tier 1 risk-based capital ratio | 44.6480% | 181 |
| Total risk-based capital ratio | 45.7442% | 179 |
| Memoranda: | ||
| Average total assets | $217,261,000 | 2,885 |
| Average earning assets | $207,331,330 | 2,788 |
| Average equity | $59,990,670 | 1,114 |
| Average total loans | $83,289,000 | 4,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 7,077 |
| Cost of funding earning assets | 0.9136% | 4,825 |
| Net interest margin | 2.7798% | 6,937 |
| Noninterest income to average assets | 0.8658% | 1,792 |
| Noninterest expense to average assets | 2.1163% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0807% | 1,907 |
| Return on assets (ROA) | 0.9978% | 2,234 |
| Pretax return on assets | 1.2932% | 2,062 |
| Return on Equity (ROE) | 3.6176% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.6176% | 4,015 |
| Net charge-offs to loans | 0.0048% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 754.0000% | 18 |
| Efficiency ratio | 60.1690% | 5,957 |
| Assets per employee ($millions) | 6.2095% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,588 |
| Loan loss allowance to noncurrent loans | 127.8828% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 6,012 |
| Noncurrent loans to loans | 1.2790% | 4,560 |
| Net loans and leases to total assets | 37.4400% | 6,937 |
| Net loans and leases to deposits | 53.7100% | 6,319 |
| Net loans and leases to core deposits | 55.0173% | 6,480 |
| Total domestic deposits to total assets | 69.7076% | 7,196 |
| Equity capital to assets | 27.8845% | 88 |
| Core capital (leverage) ratio | 26.5236% | 97 |
| Tier 1 risk-based capital ratio | 44.7528% | 178 |
| Total risk-based capital ratio | 45.8596% | 178 |
| Memoranda: | ||
| Average total assets | $215,281,500 | 2,932 |
| Average earning assets | $205,337,000 | 2,837 |
| Average equity | $59,376,000 | 1,116 |
| Average total loans | $83,307,500 | 4,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 7,027 |
| Cost of funding earning assets | 1.0922% | 5,177 |
| Net interest margin | 3.0246% | 6,690 |
| Noninterest income to average assets | 0.2577% | 5,958 |
| Noninterest expense to average assets | 2.1637% | 6,707 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8252% | 2,690 |
| Return on assets (ROA) | 0.8628% | 2,682 |
| Pretax return on assets | 0.9957% | 2,944 |
| Return on Equity (ROE) | 3.3196% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.3196% | 3,543 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4333% | 4,293 |
| Assets per employee ($millions) | 6.0923% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 3,523 |
| Loan loss allowance to noncurrent loans | 126.7790% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 6,027 |
| Noncurrent loans to loans | 1.2731% | 4,589 |
| Net loans and leases to total assets | 38.7087% | 7,038 |
| Net loans and leases to deposits | 54.5240% | 6,564 |
| Net loans and leases to core deposits | 55.8420% | 6,698 |
| Total domestic deposits to total assets | 70.9939% | 7,171 |
| Equity capital to assets | 27.2709% | 97 |
| Core capital (leverage) ratio | 26.1845% | 111 |
| Tier 1 risk-based capital ratio | 42.5221% | 202 |
| Total risk-based capital ratio | 43.5842% | 196 |
| Memoranda: | ||
| Average total assets | $208,391,200 | 2,996 |
| Average earning assets | $196,949,200 | 2,917 |
| Average equity | $54,163,800 | 1,233 |
| Average total loans | $85,246,000 | 4,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1057% | 7,198 |
| Cost of funding earning assets | 1.1308% | 5,250 |
| Net interest margin | 2.9748% | 6,879 |
| Noninterest income to average assets | 0.2645% | 6,001 |
| Noninterest expense to average assets | 2.1591% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6762% | 3,518 |
| Return on assets (ROA) | 0.9724% | 2,447 |
| Pretax return on assets | 1.3109% | 2,137 |
| Return on Equity (ROE) | 3.7892% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7892% | 3,798 |
| Net charge-offs to loans | 0.0016% | 6,657 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1,418.5113% | 18 |
| Efficiency ratio | 70.3354% | 3,996 |
| Assets per employee ($millions) | 5.9503% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,532 |
| Loan loss allowance to noncurrent loans | 126.5421% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 6,139 |
| Noncurrent loans to loans | 1.2620% | 4,743 |
| Net loans and leases to total assets | 40.0619% | 7,071 |
| Net loans and leases to deposits | 55.3431% | 6,662 |
| Net loans and leases to core deposits | 56.4560% | 6,831 |
| Total domestic deposits to total assets | 72.3884% | 7,097 |
| Equity capital to assets | 26.4016% | 121 |
| Core capital (leverage) ratio | 26.2001% | 114 |
| Tier 1 risk-based capital ratio | 41.3832% | 225 |
| Total risk-based capital ratio | 42.4223% | 222 |
| Memoranda: | ||
| Average total assets | $207,181,250 | 3,050 |
| Average earning assets | $195,366,750 | 2,978 |
| Average equity | $53,167,250 | 1,262 |
| Average total loans | $85,584,250 | 4,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 7,220 |
| Cost of funding earning assets | 1.1827% | 5,222 |
| Net interest margin | 2.9763% | 6,883 |
| Noninterest income to average assets | 0.2669% | 6,009 |
| Noninterest expense to average assets | 2.0588% | 7,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7094% | 3,363 |
| Return on assets (ROA) | 1.1304% | 1,822 |
| Pretax return on assets | 1.6130% | 1,270 |
| Return on Equity (ROE) | 4.4481% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.4481% | 3,238 |
| Net charge-offs to loans | 0.0023% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1,046.0000% | 23 |
| Efficiency ratio | 67.0551% | 4,752 |
| Assets per employee ($millions) | 5.8572% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 3,430 |
| Loan loss allowance to noncurrent loans | 125.9535% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 6,153 |
| Noncurrent loans to loans | 1.2730% | 4,840 |
| Net loans and leases to total assets | 40.5339% | 7,133 |
| Net loans and leases to deposits | 54.8272% | 6,806 |
| Net loans and leases to core deposits | 55.9141% | 6,940 |
| Total domestic deposits to total assets | 73.9304% | 6,981 |
| Equity capital to assets | 24.8940% | 137 |
| Core capital (leverage) ratio | 25.8548% | 121 |
| Tier 1 risk-based capital ratio | 40.9345% | 235 |
| Total risk-based capital ratio | 41.9689% | 232 |
| Memoranda: | ||
| Average total assets | $206,821,670 | 3,082 |
| Average earning assets | $194,807,670 | 3,008 |
| Average equity | $52,561,670 | 1,265 |
| Average total loans | $85,850,000 | 4,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 7,318 |
| Cost of funding earning assets | 1.2096% | 5,350 |
| Net interest margin | 2.9435% | 6,945 |
| Noninterest income to average assets | 0.2715% | 5,984 |
| Noninterest expense to average assets | 1.8177% | 7,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8942% | 2,567 |
| Return on assets (ROA) | 1.0148% | 2,193 |
| Pretax return on assets | 1.3999% | 1,780 |
| Return on Equity (ROE) | 3.9530% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.9530% | 3,771 |
| Net charge-offs to loans | 0.0046% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 640.0000% | 37 |
| Efficiency ratio | 59.5960% | 6,245 |
| Assets per employee ($millions) | 5.9503% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,602 |
| Loan loss allowance to noncurrent loans | 125.8364% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 6,204 |
| Noncurrent loans to loans | 1.2436% | 4,895 |
| Net loans and leases to total assets | 40.8970% | 7,193 |
| Net loans and leases to deposits | 56.1943% | 6,761 |
| Net loans and leases to core deposits | 57.2997% | 6,919 |
| Total domestic deposits to total assets | 72.7778% | 7,186 |
| Equity capital to assets | 26.1659% | 130 |
| Core capital (leverage) ratio | 25.8357% | 126 |
| Tier 1 risk-based capital ratio | 41.3123% | 233 |
| Total risk-based capital ratio | 42.3689% | 230 |
| Memoranda: | ||
| Average total assets | $207,732,000 | 3,121 |
| Average earning assets | $196,095,000 | 3,042 |
| Average equity | $53,326,000 | 1,252 |
| Average total loans | $86,550,500 | 4,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 7,358 |
| Cost of funding earning assets | 1.5762% | 5,148 |
| Net interest margin | 2.9511% | 6,750 |
| Noninterest income to average assets | 0.2504% | 6,315 |
| Noninterest expense to average assets | 2.2732% | 6,816 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6489% | 3,140 |
| Return on assets (ROA) | 0.7939% | 2,647 |
| Pretax return on assets | 0.8714% | 3,012 |
| Return on Equity (ROE) | 3.3722% | 4,348 |
| Retained earnings to average equity (ytd only) | 3.3722% | 2,810 |
| Net charge-offs to loans | 0.0035% | 7,198 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 472.0000% | 56 |
| Efficiency ratio | 76.1496% | 3,498 |
| Assets per employee ($millions) | 6.4751% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,414 |
| Loan loss allowance to noncurrent loans | 118.2373% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 6,067 |
| Noncurrent loans to loans | 1.3237% | 4,711 |
| Net loans and leases to total assets | 41.1285% | 7,295 |
| Net loans and leases to deposits | 55.8472% | 6,928 |
| Net loans and leases to core deposits | 63.6193% | 7,110 |
| Total domestic deposits to total assets | 73.6448% | 7,064 |
| Equity capital to assets | 25.1728% | 162 |
| Core capital (leverage) ratio | 25.5270% | 148 |
| Tier 1 risk-based capital ratio | 39.7749% | 257 |
| Total risk-based capital ratio | 40.8032% | 254 |
| Memoranda: | ||
| Average total assets | $198,881,800 | 3,195 |
| Average earning assets | $184,302,600 | 3,163 |
| Average equity | $46,823,800 | 1,441 |
| Average total loans | $84,896,800 | 4,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 7,405 |
| Cost of funding earning assets | 1.6560% | 5,129 |
| Net interest margin | 2.9545% | 6,723 |
| Noninterest income to average assets | 0.2493% | 6,456 |
| Noninterest expense to average assets | 2.2499% | 6,840 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6174% | 3,542 |
| Return on assets (ROA) | 0.6490% | 3,472 |
| Pretax return on assets | 0.7635% | 3,651 |
| Return on Equity (ROE) | 2.8079% | 4,872 |
| Retained earnings to average equity (ytd only) | 2.8079% | 3,761 |
| Net charge-offs to loans | 0.0032% | 6,944 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 535.3184% | 63 |
| Efficiency ratio | 75.5975% | 3,574 |
| Assets per employee ($millions) | 5.7588% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,058 |
| Loan loss allowance to noncurrent loans | 136.5559% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 6,233 |
| Noncurrent loans to loans | 1.1594% | 5,004 |
| Net loans and leases to total assets | 41.8190% | 7,375 |
| Net loans and leases to deposits | 56.3869% | 7,064 |
| Net loans and leases to core deposits | 64.2645% | 7,238 |
| Total domestic deposits to total assets | 74.1644% | 6,916 |
| Equity capital to assets | 24.6290% | 180 |
| Core capital (leverage) ratio | 25.4903% | 161 |
| Tier 1 risk-based capital ratio | 38.9349% | 299 |
| Total risk-based capital ratio | 39.9543% | 300 |
| Memoranda: | ||
| Average total assets | $196,801,250 | 3,235 |
| Average earning assets | $181,639,250 | 3,218 |
| Average equity | $45,490,000 | 1,503 |
| Average total loans | $84,477,250 | 4,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 7,393 |
| Cost of funding earning assets | 1.7479% | 5,027 |
| Net interest margin | 2.9499% | 6,684 |
| Noninterest income to average assets | 0.2531% | 6,471 |
| Noninterest expense to average assets | 2.2386% | 6,954 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6200% | 3,589 |
| Return on assets (ROA) | 0.6209% | 3,698 |
| Pretax return on assets | 0.7233% | 3,921 |
| Return on Equity (ROE) | 2.7479% | 4,998 |
| Retained earnings to average equity (ytd only) | 2.7479% | 3,801 |
| Net charge-offs to loans | 0.0048% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 352.5000% | 107 |
| Efficiency ratio | 75.6055% | 3,764 |
| Assets per employee ($millions) | 5.6717% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 2,690 |
| Loan loss allowance to noncurrent loans | 121.0714% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 6,011 |
| Noncurrent loans to loans | 1.3308% | 4,551 |
| Net loans and leases to total assets | 41.7145% | 7,464 |
| Net loans and leases to deposits | 54.5965% | 7,240 |
| Net loans and leases to core deposits | 62.1026% | 7,376 |
| Total domestic deposits to total assets | 76.4051% | 6,465 |
| Equity capital to assets | 22.5849% | 266 |
| Core capital (leverage) ratio | 23.5527% | 240 |
| Tier 1 risk-based capital ratio | 36.5673% | 381 |
| Total risk-based capital ratio | 37.6010% | 381 |
| Memoranda: | ||
| Average total assets | $195,215,330 | 3,278 |
| Average earning assets | $179,190,000 | 3,270 |
| Average equity | $44,106,000 | 1,548 |
| Average total loans | $84,087,670 | 4,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 7,438 |
| Cost of funding earning assets | 1.8310% | 4,970 |
| Net interest margin | 2.9182% | 6,704 |
| Noninterest income to average assets | 0.2686% | 6,292 |
| Noninterest expense to average assets | 1.8722% | 7,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8765% | 2,813 |
| Return on assets (ROA) | 0.8782% | 2,948 |
| Pretax return on assets | 1.0663% | 3,120 |
| Return on Equity (ROE) | 3.8864% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.8864% | 3,730 |
| Net charge-offs to loans | 0.0095% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 164 |
| Efficiency ratio | 63.7579% | 5,733 |
| Assets per employee ($millions) | 5.4717% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 2,487 |
| Loan loss allowance to noncurrent loans | 140.8100% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 5,961 |
| Noncurrent loans to loans | 1.1408% | 4,712 |
| Net loans and leases to total assets | 43.3689% | 7,388 |
| Net loans and leases to deposits | 55.9753% | 7,162 |
| Net loans and leases to core deposits | 63.8413% | 7,324 |
| Total domestic deposits to total assets | 77.4787% | 6,154 |
| Equity capital to assets | 21.4069% | 339 |
| Core capital (leverage) ratio | 21.6085% | 325 |
| Tier 1 risk-based capital ratio | 34.7172% | 448 |
| Total risk-based capital ratio | 35.8013% | 441 |
| Memoranda: | ||
| Average total assets | $193,568,500 | 3,316 |
| Average earning assets | $176,956,500 | 3,318 |
| Average equity | $43,742,500 | 1,555 |
| Average total loans | $84,050,000 | 4,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 7,997 |
| Cost of funding earning assets | 1.9277% | 6,647 |
| Net interest margin | 2.7073% | 7,489 |
| Noninterest income to average assets | 0.2450% | 6,689 |
| Noninterest expense to average assets | 1.9568% | 7,523 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0676% | 2,268 |
| Return on assets (ROA) | 0.6165% | 4,092 |
| Pretax return on assets | 0.3758% | 5,325 |
| Return on Equity (ROE) | 2.2848% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.2848% | 3,785 |
| Net charge-offs to loans | 0.0024% | 6,984 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 862.5000% | 57 |
| Efficiency ratio | 70.2945% | 4,292 |
| Assets per employee ($millions) | 5.5894% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 2,147 |
| Loan loss allowance to noncurrent loans | 140.2893% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 5,713 |
| Noncurrent loans to loans | 1.1567% | 4,217 |
| Net loans and leases to total assets | 42.0853% | 7,582 |
| Net loans and leases to deposits | 56.0769% | 7,315 |
| Net loans and leases to core deposits | 63.9742% | 7,446 |
| Total domestic deposits to total assets | 75.0492% | 6,441 |
| Equity capital to assets | 23.7639% | 294 |
| Core capital (leverage) ratio | 24.4013% | 276 |
| Tier 1 risk-based capital ratio | 37.4245% | 384 |
| Total risk-based capital ratio | 38.4798% | 381 |
| Memoranda: | ||
| Average total assets | $208,601,000 | 3,023 |
| Average earning assets | $195,617,800 | 2,950 |
| Average equity | $56,284,800 | 1,193 |
| Average total loans | $83,413,400 | 4,414 |