Home > The Guilford Savings Bank > Performance and Condition Ratios
The Guilford Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,886 |
| Cost of funding earning assets | 1.3253% | 2,439 |
| Net interest margin | 2.7224% | 3,786 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.7092% | 1,714 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3528% | 3,954 |
| Return on assets (ROA) | 0.3894% | 3,883 |
| Pretax return on assets | 0.4580% | 3,883 |
| Return on Equity (ROE) | 3.8000% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.8026% | 3,030 |
| Net charge-offs to loans | -0.0025% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.9548% | 567 |
| Assets per employee ($millions) | 7.4630% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 4,302 |
| Loan loss allowance to noncurrent loans | 239.4381% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,435 |
| Noncurrent loans to loans | 0.2283% | 2,407 |
| Net loans and leases to total assets | 72.0400% | 1,577 |
| Net loans and leases to deposits | 85.7908% | 1,629 |
| Net loans and leases to core deposits | 96.8697% | 1,610 |
| Total domestic deposits to total assets | 83.9700% | 2,627 |
| Equity capital to assets | 10.2026% | 1,896 |
| Core capital (leverage) ratio | 11.2451% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,075,645,600 | 920 |
| Average earning assets | $1,006,238,200 | 900 |
| Average equity | $110,160,200 | 887 |
| Average total loans | $768,420,400 | 894 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 3,881 |
| Cost of funding earning assets | 1.1742% | 2,514 |
| Net interest margin | 2.8085% | 3,713 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.6994% | 1,658 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4267% | 3,912 |
| Return on assets (ROA) | 0.4149% | 3,933 |
| Pretax return on assets | 0.4873% | 3,922 |
| Return on Equity (ROE) | 4.0500% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.0470% | 3,247 |
| Net charge-offs to loans | -0.0028% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.1634% | 664 |
| Assets per employee ($millions) | 7.6784% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 4,233 |
| Loan loss allowance to noncurrent loans | 262.4867% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,429 |
| Noncurrent loans to loans | 0.2397% | 2,392 |
| Net loans and leases to total assets | 71.7700% | 1,604 |
| Net loans and leases to deposits | 86.7063% | 1,492 |
| Net loans and leases to core deposits | 100.2663% | 1,307 |
| Total domestic deposits to total assets | 82.7700% | 3,054 |
| Equity capital to assets | 10.0763% | 1,787 |
| Core capital (leverage) ratio | 11.4958% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,064,695,750 | 930 |
| Average earning assets | $995,238,750 | 911 |
| Average equity | $109,147,250 | 887 |
| Average total loans | $757,802,750 | 903 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,812 |
| Cost of funding earning assets | 1.0427% | 2,472 |
| Net interest margin | 2.8917% | 3,662 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6848% | 1,675 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5312% | 3,745 |
| Return on assets (ROA) | 0.5510% | 3,703 |
| Pretax return on assets | 0.6551% | 3,691 |
| Return on Equity (ROE) | 5.3400% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.3442% | 2,845 |
| Net charge-offs to loans | -0.0029% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.3945% | 816 |
| Assets per employee ($millions) | 7.6604% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 4,277 |
| Loan loss allowance to noncurrent loans | 216.5825% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,170 |
| Noncurrent loans to loans | 0.2865% | 2,118 |
| Net loans and leases to total assets | 70.9200% | 1,643 |
| Net loans and leases to deposits | 84.7882% | 1,603 |
| Net loans and leases to core deposits | 96.2013% | 1,456 |
| Total domestic deposits to total assets | 83.6500% | 2,904 |
| Equity capital to assets | 10.4141% | 1,630 |
| Core capital (leverage) ratio | 11.4585% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,058,707,333 | 922 |
| Average earning assets | $989,167,333 | 906 |
| Average equity | $109,165,667 | 880 |
| Average total loans | $749,767,000 | 897 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 3,774 |
| Cost of funding earning assets | 0.8689% | 2,475 |
| Net interest margin | 2.9750% | 3,651 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6217% | 1,893 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.6079% | 3,673 |
| Return on assets (ROA) | 0.6616% | 3,501 |
| Pretax return on assets | 0.8135% | 3,440 |
| Return on Equity (ROE) | 6.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.4485% | 2,654 |
| Net charge-offs to loans | -0.0048% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7463% | 929 |
| Assets per employee ($millions) | 7.6495% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 4,357 |
| Loan loss allowance to noncurrent loans | 438.6628% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 2,854 |
| Noncurrent loans to loans | 0.1370% | 2,816 |
| Net loans and leases to total assets | 70.4400% | 1,580 |
| Net loans and leases to deposits | 82.6238% | 1,607 |
| Net loans and leases to core deposits | 94.9740% | 1,330 |
| Total domestic deposits to total assets | 85.2500% | 2,794 |
| Equity capital to assets | 10.4461% | 1,591 |
| Core capital (leverage) ratio | 11.4593% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,055,666,000 | 943 |
| Average earning assets | $986,088,000 | 927 |
| Average equity | $108,304,500 | 894 |
| Average total loans | $744,696,000 | 917 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 3,238 |
| Cost of funding earning assets | 0.3193% | 2,726 |
| Net interest margin | 3.1200% | 3,113 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5515% | 1,964 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7663% | 3,434 |
| Return on assets (ROA) | 0.6078% | 3,813 |
| Pretax return on assets | 0.7433% | 3,757 |
| Return on Equity (ROE) | 5.8700% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.8714% | 2,691 |
| Net charge-offs to loans | 0.0601% | 1,049 |
| Credit loss provision to net charge-offs | 23.6407% | 1,923 |
| Earnings coverage of net charge-offs (x) | 23.2719% | 1,819 |
| Efficiency ratio | 72.5412% | 1,381 |
| Assets per employee ($millions) | 7.7634% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,358 |
| Loan loss allowance to noncurrent loans | 859.7206% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 2,978 |
| Noncurrent loans to loans | 0.1167% | 2,945 |
| Net loans and leases to total assets | 69.5100% | 1,685 |
| Net loans and leases to deposits | 80.7579% | 1,716 |
| Net loans and leases to core deposits | 89.6104% | 1,523 |
| Total domestic deposits to total assets | 86.0700% | 2,702 |
| Equity capital to assets | 10.0699% | 1,679 |
| Core capital (leverage) ratio | 11.1746% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,040,359,200 | 948 |
| Average earning assets | $973,586,600 | 927 |
| Average equity | $107,691,000 | 898 |
| Average total loans | $704,274,000 | 904 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 3,097 |
| Cost of funding earning assets | 0.2875% | 2,305 |
| Net interest margin | 3.0428% | 3,106 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4950% | 2,028 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7769% | 3,333 |
| Return on assets (ROA) | 0.4250% | 4,143 |
| Pretax return on assets | 0.5079% | 4,138 |
| Return on Equity (ROE) | 4.0800% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.0777% | 3,416 |
| Net charge-offs to loans | 0.0819% | 730 |
| Credit loss provision to net charge-offs | 23.3645% | 1,619 |
| Earnings coverage of net charge-offs (x) | 17.1005% | 1,801 |
| Efficiency ratio | 72.2253% | 1,485 |
| Assets per employee ($millions) | 8.2053% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,300 |
| Loan loss allowance to noncurrent loans | 1,384.6154% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,377 |
| Noncurrent loans to loans | 0.0751% | 3,338 |
| Net loans and leases to total assets | 66.8300% | 1,801 |
| Net loans and leases to deposits | 75.9718% | 1,879 |
| Net loans and leases to core deposits | 85.6204% | 1,545 |
| Total domestic deposits to total assets | 87.9700% | 2,445 |
| Equity capital to assets | 9.6715% | 1,787 |
| Core capital (leverage) ratio | 11.0054% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,038,435,000 | 955 |
| Average earning assets | $972,383,000 | 936 |
| Average equity | $108,229,250 | 910 |
| Average total loans | $696,364,500 | 907 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 2,907 |
| Cost of funding earning assets | 0.2980% | 1,728 |
| Net interest margin | 2.9476% | 3,040 |
| Noninterest income to average assets | 0.6047% | 1,721 |
| Noninterest expense to average assets | 2.4965% | 1,937 |
| Loan and lease loss provision to assets | -0.0387% | 4,491 |
| Net operating income to assets | 0.7630% | 3,101 |
| Return on assets (ROA) | 0.4267% | 4,010 |
| Pretax return on assets | 0.5102% | 3,980 |
| Return on Equity (ROE) | 3.9965% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.9965% | 3,081 |
| Net charge-offs to loans | -0.0205% | 3,885 |
| Credit loss provision to net charge-offs | 281.6901% | 824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6900% | 1,548 |
| Assets per employee ($millions) | 8.0348% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,193 |
| Loan loss allowance to noncurrent loans | 980.4657% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,236 |
| Noncurrent loans to loans | 0.1115% | 3,185 |
| Net loans and leases to total assets | 65.6619% | 1,737 |
| Net loans and leases to deposits | 75.1609% | 1,749 |
| Net loans and leases to core deposits | 84.4062% | 1,429 |
| Total domestic deposits to total assets | 87.3618% | 2,810 |
| Equity capital to assets | 10.2080% | 1,584 |
| Core capital (leverage) ratio | 11.0065% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,034,487,000 | 948 |
| Average earning assets | $969,945,000 | 936 |
| Average equity | $110,446,333 | 901 |
| Average total loans | $692,048,667 | 899 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1876% | 2,723 |
| Cost of funding earning assets | 0.3315% | 1,365 |
| Net interest margin | 2.8562% | 2,969 |
| Noninterest income to average assets | 0.6116% | 1,645 |
| Noninterest expense to average assets | 2.4918% | 1,902 |
| Loan and lease loss provision to assets | -0.0777% | 4,565 |
| Net operating income to assets | 0.7217% | 2,977 |
| Return on assets (ROA) | 0.5984% | 3,380 |
| Pretax return on assets | 0.7254% | 3,319 |
| Return on Equity (ROE) | 5.4825% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.4825% | 2,419 |
| Net charge-offs to loans | 0.0006% | 1,825 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,600 |
| Earnings coverage of net charge-offs (x) | 2,054.0000% | 29 |
| Efficiency ratio | 75.3041% | 1,601 |
| Assets per employee ($millions) | 7.9552% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,353 |
| Loan loss allowance to noncurrent loans | 241.2275% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 1,914 |
| Noncurrent loans to loans | 0.4529% | 1,896 |
| Net loans and leases to total assets | 65.7215% | 1,438 |
| Net loans and leases to deposits | 75.7537% | 1,472 |
| Net loans and leases to core deposits | 85.5792% | 1,158 |
| Total domestic deposits to total assets | 86.7569% | 3,014 |
| Equity capital to assets | 10.6458% | 1,522 |
| Core capital (leverage) ratio | 11.1578% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,029,468,000 | 953 |
| Average earning assets | $965,354,500 | 950 |
| Average equity | $112,357,000 | 913 |
| Average total loans | $691,356,000 | 890 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3182% | 3,152 |
| Cost of funding earning assets | 0.3794% | 1,689 |
| Net interest margin | 2.9388% | 3,351 |
| Noninterest income to average assets | 0.6103% | 2,112 |
| Noninterest expense to average assets | 2.5386% | 2,062 |
| Loan and lease loss provision to assets | 0.0010% | 3,049 |
| Net operating income to assets | 0.6825% | 3,666 |
| Return on assets (ROA) | 0.7521% | 3,546 |
| Pretax return on assets | 0.9235% | 3,444 |
| Return on Equity (ROE) | 6.7478% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.7478% | 2,023 |
| Net charge-offs to loans | 0.0109% | 2,153 |
| Credit loss provision to net charge-offs | 13.1579% | 2,296 |
| Earnings coverage of net charge-offs (x) | 110.3026% | 829 |
| Efficiency ratio | 74.7334% | 1,233 |
| Assets per employee ($millions) | 7.3724% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,324 |
| Loan loss allowance to noncurrent loans | 201.3584% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 1,729 |
| Noncurrent loans to loans | 0.5504% | 1,746 |
| Net loans and leases to total assets | 67.1202% | 1,361 |
| Net loans and leases to deposits | 77.5323% | 1,442 |
| Net loans and leases to core deposits | 89.3263% | 996 |
| Total domestic deposits to total assets | 86.5706% | 2,684 |
| Equity capital to assets | 11.1848% | 1,670 |
| Core capital (leverage) ratio | 11.0798% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $999,814,400 | 960 |
| Average earning assets | $941,275,200 | 955 |
| Average equity | $111,443,200 | 930 |
| Average total loans | $694,338,200 | 885 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 3,242 |
| Cost of funding earning assets | 0.3922% | 1,760 |
| Net interest margin | 2.9589% | 3,421 |
| Noninterest income to average assets | 0.6065% | 2,195 |
| Noninterest expense to average assets | 2.4183% | 2,383 |
| Loan and lease loss provision to assets | 0.0013% | 2,942 |
| Net operating income to assets | 0.7898% | 3,551 |
| Return on assets (ROA) | 0.8214% | 3,540 |
| Pretax return on assets | 1.0101% | 3,424 |
| Return on Equity (ROE) | 7.3757% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.3757% | 2,280 |
| Net charge-offs to loans | -0.0004% | 3,075 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8830% | 1,506 |
| Assets per employee ($millions) | 7.1809% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,352 |
| Loan loss allowance to noncurrent loans | 193.7780% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 1,862 |
| Noncurrent loans to loans | 0.5773% | 1,866 |
| Net loans and leases to total assets | 67.9731% | 1,325 |
| Net loans and leases to deposits | 78.5904% | 1,428 |
| Net loans and leases to core deposits | 90.9246% | 987 |
| Total domestic deposits to total assets | 86.4904% | 2,559 |
| Equity capital to assets | 11.2143% | 1,880 |
| Core capital (leverage) ratio | 11.0562% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $993,577,500 | 977 |
| Average earning assets | $934,886,500 | 971 |
| Average equity | $110,649,500 | 949 |
| Average total loans | $694,040,250 | 902 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 3,225 |
| Cost of funding earning assets | 0.4111% | 1,792 |
| Net interest margin | 2.9713% | 3,389 |
| Noninterest income to average assets | 0.5994% | 2,222 |
| Noninterest expense to average assets | 2.3860% | 2,511 |
| Loan and lease loss provision to assets | 0.0020% | 2,831 |
| Net operating income to assets | 0.8218% | 3,444 |
| Return on assets (ROA) | 0.9416% | 3,167 |
| Pretax return on assets | 1.1513% | 3,053 |
| Return on Equity (ROE) | 8.4752% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.4752% | 1,905 |
| Net charge-offs to loans | -0.0063% | 3,505 |
| Credit loss provision to net charge-offs | -45.4545% | 2,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8746% | 1,655 |
| Assets per employee ($millions) | 7.3531% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,249 |
| Loan loss allowance to noncurrent loans | 186.9701% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,950 |
| Noncurrent loans to loans | 0.6094% | 1,882 |
| Net loans and leases to total assets | 67.2375% | 1,551 |
| Net loans and leases to deposits | 78.8243% | 1,540 |
| Net loans and leases to core deposits | 91.3412% | 1,048 |
| Total domestic deposits to total assets | 85.3006% | 2,984 |
| Equity capital to assets | 11.1576% | 1,866 |
| Core capital (leverage) ratio | 11.0970% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $987,268,000 | 978 |
| Average earning assets | $928,270,333 | 964 |
| Average equity | $109,684,333 | 949 |
| Average total loans | $693,381,000 | 908 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 2,907 |
| Cost of funding earning assets | 0.4248% | 1,900 |
| Net interest margin | 3.0817% | 3,048 |
| Noninterest income to average assets | 0.5849% | 2,272 |
| Noninterest expense to average assets | 2.3692% | 2,595 |
| Loan and lease loss provision to assets | 0.0655% | 1,834 |
| Net operating income to assets | 0.8458% | 3,285 |
| Return on assets (ROA) | 0.9701% | 3,000 |
| Pretax return on assets | 1.1961% | 2,856 |
| Return on Equity (ROE) | 8.7513% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.7513% | 2,030 |
| Net charge-offs to loans | -0.0034% | 3,259 |
| Credit loss provision to net charge-offs | -2,666.6667% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6986% | 1,971 |
| Assets per employee ($millions) | 7.6236% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,281 |
| Loan loss allowance to noncurrent loans | 180.2906% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,045 |
| Noncurrent loans to loans | 0.6283% | 1,998 |
| Net loans and leases to total assets | 70.4617% | 1,232 |
| Net loans and leases to deposits | 84.3704% | 1,108 |
| Net loans and leases to core deposits | 95.5828% | 901 |
| Total domestic deposits to total assets | 83.5148% | 3,567 |
| Equity capital to assets | 11.0949% | 1,790 |
| Core capital (leverage) ratio | 11.1983% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $977,213,000 | 973 |
| Average earning assets | $917,147,000 | 963 |
| Average equity | $108,327,000 | 947 |
| Average total loans | $697,500,500 | 904 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 3,641 |
| Cost of funding earning assets | 0.5795% | 2,450 |
| Net interest margin | 3.0951% | 3,641 |
| Noninterest income to average assets | 0.5257% | 2,524 |
| Noninterest expense to average assets | 2.4315% | 3,048 |
| Loan and lease loss provision to assets | 0.1886% | 2,067 |
| Net operating income to assets | 0.6660% | 3,536 |
| Return on assets (ROA) | 0.6889% | 3,600 |
| Pretax return on assets | 0.8415% | 3,523 |
| Return on Equity (ROE) | 6.0427% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.0427% | 1,778 |
| Net charge-offs to loans | 0.0437% | 2,188 |
| Credit loss provision to net charge-offs | 579.3220% | 1,129 |
| Earnings coverage of net charge-offs (x) | 30.7864% | 1,584 |
| Efficiency ratio | 70.6720% | 1,860 |
| Assets per employee ($millions) | 8.1595% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,364 |
| Loan loss allowance to noncurrent loans | 147.6824% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 1,932 |
| Noncurrent loans to loans | 0.7584% | 1,810 |
| Net loans and leases to total assets | 70.6847% | 1,471 |
| Net loans and leases to deposits | 85.9485% | 1,256 |
| Net loans and leases to core deposits | 98.4915% | 985 |
| Total domestic deposits to total assets | 82.2408% | 3,608 |
| Equity capital to assets | 11.0755% | 2,194 |
| Core capital (leverage) ratio | 11.0810% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,229,200 | 961 |
| Average earning assets | $851,429,600 | 950 |
| Average equity | $103,315,200 | 939 |
| Average total loans | $674,848,600 | 893 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 3,805 |
| Cost of funding earning assets | 0.6126% | 2,527 |
| Net interest margin | 3.0841% | 3,772 |
| Noninterest income to average assets | 0.5227% | 2,511 |
| Noninterest expense to average assets | 2.3816% | 3,191 |
| Loan and lease loss provision to assets | 0.2170% | 1,851 |
| Net operating income to assets | 0.6685% | 3,570 |
| Return on assets (ROA) | 0.5941% | 3,885 |
| Pretax return on assets | 0.7306% | 3,825 |
| Return on Equity (ROE) | 5.1711% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.1711% | 2,486 |
| Net charge-offs to loans | 0.0587% | 1,771 |
| Credit loss provision to net charge-offs | 490.8475% | 1,302 |
| Earnings coverage of net charge-offs (x) | 23.5186% | 1,791 |
| Efficiency ratio | 69.4736% | 1,964 |
| Assets per employee ($millions) | 7.6783% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,308 |
| Loan loss allowance to noncurrent loans | 139.9329% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,021 |
| Noncurrent loans to loans | 0.7718% | 1,887 |
| Net loans and leases to total assets | 72.8647% | 1,526 |
| Net loans and leases to deposits | 88.6829% | 1,406 |
| Net loans and leases to core deposits | 102.3075% | 1,012 |
| Total domestic deposits to total assets | 82.1632% | 3,379 |
| Equity capital to assets | 11.1337% | 2,295 |
| Core capital (leverage) ratio | 11.3924% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $890,042,250 | 961 |
| Average earning assets | $836,391,500 | 945 |
| Average equity | $102,258,750 | 937 |
| Average total loans | $670,034,250 | 895 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 3,827 |
| Cost of funding earning assets | 0.6556% | 2,661 |
| Net interest margin | 3.1579% | 3,771 |
| Noninterest income to average assets | 0.5716% | 2,247 |
| Noninterest expense to average assets | 2.4778% | 3,028 |
| Loan and lease loss provision to assets | 0.2363% | 1,789 |
| Net operating income to assets | 0.6751% | 3,481 |
| Return on assets (ROA) | 0.3879% | 4,319 |
| Pretax return on assets | 0.4705% | 4,299 |
| Return on Equity (ROE) | 3.3388% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.3388% | 3,258 |
| Net charge-offs to loans | 0.0895% | 1,356 |
| Credit loss provision to net charge-offs | 347.9730% | 1,522 |
| Earnings coverage of net charge-offs (x) | 15.5676% | 1,903 |
| Efficiency ratio | 69.9546% | 1,963 |
| Assets per employee ($millions) | 7.6192% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,380 |
| Loan loss allowance to noncurrent loans | 131.4678% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 2,080 |
| Noncurrent loans to loans | 0.7886% | 1,919 |
| Net loans and leases to total assets | 72.2513% | 1,663 |
| Net loans and leases to deposits | 87.7517% | 1,583 |
| Net loans and leases to core deposits | 101.7580% | 1,131 |
| Total domestic deposits to total assets | 82.3361% | 3,280 |
| Equity capital to assets | 10.9508% | 2,387 |
| Core capital (leverage) ratio | 11.4711% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $871,911,333 | 965 |
| Average earning assets | $818,143,000 | 954 |
| Average equity | $101,294,667 | 936 |
| Average total loans | $661,488,000 | 892 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,821 |
| Cost of funding earning assets | 0.8048% | 2,364 |
| Net interest margin | 3.1836% | 3,902 |
| Noninterest income to average assets | 0.5876% | 2,093 |
| Noninterest expense to average assets | 2.7133% | 2,676 |
| Loan and lease loss provision to assets | 0.2745% | 1,136 |
| Net operating income to assets | 0.4793% | 3,948 |
| Return on assets (ROA) | -0.5405% | 4,913 |
| Pretax return on assets | -0.6501% | 4,912 |
| Return on Equity (ROE) | -4.5077% | 4,908 |
| Retained earnings to average equity (ytd only) | -4.5077% | 4,482 |
| Net charge-offs to loans | 0.1821% | 741 |
| Credit loss provision to net charge-offs | 194.5946% | 1,430 |
| Earnings coverage of net charge-offs (x) | 6.0473% | 2,009 |
| Efficiency ratio | 75.9321% | 1,568 |
| Assets per employee ($millions) | 6.8325% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,608 |
| Loan loss allowance to noncurrent loans | 119.1459% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 2,015 |
| Noncurrent loans to loans | 0.8548% | 1,906 |
| Net loans and leases to total assets | 76.7872% | 1,169 |
| Net loans and leases to deposits | 101.6137% | 456 |
| Net loans and leases to core deposits | 110.2804% | 842 |
| Total domestic deposits to total assets | 75.5677% | 4,527 |
| Equity capital to assets | 11.7911% | 2,219 |
| Core capital (leverage) ratio | 12.0308% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $839,284,500 | 972 |
| Average earning assets | $785,280,500 | 956 |
| Average equity | $100,628,500 | 939 |
| Average total loans | $650,128,000 | 884 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 4,069 |
| Cost of funding earning assets | 0.9547% | 1,931 |
| Net interest margin | 3.1311% | 4,321 |
| Noninterest income to average assets | 0.4831% | 2,838 |
| Noninterest expense to average assets | 2.7088% | 2,863 |
| Loan and lease loss provision to assets | 0.0834% | 2,338 |
| Net operating income to assets | 0.4994% | 4,406 |
| Return on assets (ROA) | 0.7677% | 3,732 |
| Pretax return on assets | 0.9465% | 3,612 |
| Return on Equity (ROE) | 6.3528% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.3528% | 1,690 |
| Net charge-offs to loans | 0.0288% | 2,822 |
| Credit loss provision to net charge-offs | 383.1461% | 733 |
| Earnings coverage of net charge-offs (x) | 32.0899% | 1,517 |
| Efficiency ratio | 79.3351% | 995 |
| Assets per employee ($millions) | 6.4480% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,605 |
| Loan loss allowance to noncurrent loans | 163.8331% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 2,553 |
| Noncurrent loans to loans | 0.5988% | 2,389 |
| Net loans and leases to total assets | 76.5818% | 1,316 |
| Net loans and leases to deposits | 98.3700% | 726 |
| Net loans and leases to core deposits | 107.7858% | 985 |
| Total domestic deposits to total assets | 77.8507% | 4,384 |
| Equity capital to assets | 12.1574% | 2,040 |
| Core capital (leverage) ratio | 12.0838% | 1,726 |
| Tier 1 risk-based capital ratio | 16.1545% | 2,348 |
| Total risk-based capital ratio | 17.1720% | 2,377 |
| Memoranda: | ||
| Average total assets | $817,413,600 | 956 |
| Average earning assets | $763,473,800 | 948 |
| Average equity | $98,775,000 | 910 |
| Average total loans | $617,679,000 | 893 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 4,194 |
| Cost of funding earning assets | 0.9605% | 1,934 |
| Net interest margin | 3.1206% | 4,442 |
| Noninterest income to average assets | 0.4871% | 2,814 |
| Noninterest expense to average assets | 2.7076% | 2,853 |
| Loan and lease loss provision to assets | 0.0947% | 2,019 |
| Net operating income to assets | 0.4935% | 4,532 |
| Return on assets (ROA) | 0.7932% | 3,768 |
| Pretax return on assets | 0.9588% | 3,715 |
| Return on Equity (ROE) | 6.5745% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.5745% | 2,074 |
| Net charge-offs to loans | 0.0387% | 2,311 |
| Credit loss provision to net charge-offs | 325.9887% | 909 |
| Earnings coverage of net charge-offs (x) | 23.8309% | 1,819 |
| Efficiency ratio | 79.4757% | 967 |
| Assets per employee ($millions) | 6.6811% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,658 |
| Loan loss allowance to noncurrent loans | 165.2840% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 2,707 |
| Noncurrent loans to loans | 0.5959% | 2,497 |
| Net loans and leases to total assets | 75.3116% | 1,602 |
| Net loans and leases to deposits | 96.7558% | 922 |
| Net loans and leases to core deposits | 106.4413% | 1,153 |
| Total domestic deposits to total assets | 77.8368% | 4,374 |
| Equity capital to assets | 11.9836% | 2,270 |
| Core capital (leverage) ratio | 12.1875% | 1,740 |
| Tier 1 risk-based capital ratio | 16.2281% | 2,359 |
| Total risk-based capital ratio | 17.2483% | 2,373 |
| Memoranda: | ||
| Average total assets | $812,207,000 | 965 |
| Average earning assets | $758,180,250 | 951 |
| Average equity | $97,991,750 | 916 |
| Average total loans | $610,024,000 | 903 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 4,239 |
| Cost of funding earning assets | 0.9457% | 1,938 |
| Net interest margin | 3.1209% | 4,498 |
| Noninterest income to average assets | 0.4822% | 2,767 |
| Noninterest expense to average assets | 2.7224% | 2,831 |
| Loan and lease loss provision to assets | 0.1186% | 1,577 |
| Net operating income to assets | 0.4605% | 4,615 |
| Return on assets (ROA) | 0.8395% | 3,569 |
| Pretax return on assets | 1.0197% | 3,473 |
| Return on Equity (ROE) | 6.9412% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.9412% | 1,835 |
| Net charge-offs to loans | 0.0130% | 2,669 |
| Credit loss provision to net charge-offs | 1,223.0769% | 289 |
| Earnings coverage of net charge-offs (x) | 69.7436% | 896 |
| Efficiency ratio | 79.9444% | 966 |
| Assets per employee ($millions) | 6.6794% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,512 |
| Loan loss allowance to noncurrent loans | 163.5820% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,557 |
| Noncurrent loans to loans | 0.6223% | 2,394 |
| Net loans and leases to total assets | 74.4738% | 1,809 |
| Net loans and leases to deposits | 95.7711% | 1,061 |
| Net loans and leases to core deposits | 105.6827% | 1,263 |
| Total domestic deposits to total assets | 77.7623% | 4,442 |
| Equity capital to assets | 12.0324% | 2,158 |
| Core capital (leverage) ratio | 12.1738% | 1,713 |
| Tier 1 risk-based capital ratio | 16.3897% | 2,279 |
| Total risk-based capital ratio | 17.4418% | 2,283 |
| Memoranda: | ||
| Average total assets | $804,571,000 | 974 |
| Average earning assets | $751,823,670 | 960 |
| Average equity | $97,303,000 | 917 |
| Average total loans | $601,674,670 | 914 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 4,375 |
| Cost of funding earning assets | 0.8890% | 2,055 |
| Net interest margin | 3.1061% | 4,590 |
| Noninterest income to average assets | 0.4663% | 2,762 |
| Noninterest expense to average assets | 2.7515% | 2,738 |
| Loan and lease loss provision to assets | 0.0839% | 2,026 |
| Net operating income to assets | 0.4348% | 4,660 |
| Return on assets (ROA) | 0.9828% | 2,954 |
| Pretax return on assets | 1.2029% | 2,788 |
| Return on Equity (ROE) | 8.1055% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.1055% | 1,617 |
| Net charge-offs to loans | -0.0034% | 3,941 |
| Credit loss provision to net charge-offs | -3,340.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6460% | 904 |
| Assets per employee ($millions) | 6.8220% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,697 |
| Loan loss allowance to noncurrent loans | 185.8773% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 2,973 |
| Noncurrent loans to loans | 0.5389% | 2,693 |
| Net loans and leases to total assets | 74.0120% | 1,800 |
| Net loans and leases to deposits | 95.4157% | 1,024 |
| Net loans and leases to core deposits | 106.8790% | 1,110 |
| Total domestic deposits to total assets | 77.5679% | 4,582 |
| Equity capital to assets | 12.1363% | 1,942 |
| Core capital (leverage) ratio | 12.3771% | 1,572 |
| Tier 1 risk-based capital ratio | 16.5957% | 2,231 |
| Total risk-based capital ratio | 17.6312% | 2,253 |
| Memoranda: | ||
| Average total assets | $796,073,000 | 979 |
| Average earning assets | $744,206,000 | 968 |
| Average equity | $96,527,500 | 914 |
| Average total loans | $593,439,500 | 926 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 4,094 |
| Cost of funding earning assets | 0.6312% | 2,515 |
| Net interest margin | 3.3444% | 4,139 |
| Noninterest income to average assets | 0.5078% | 2,791 |
| Noninterest expense to average assets | 2.6914% | 3,049 |
| Loan and lease loss provision to assets | 0.0429% | 3,326 |
| Net operating income to assets | 0.7416% | 3,998 |
| Return on assets (ROA) | 0.7991% | 3,813 |
| Pretax return on assets | 0.9590% | 3,729 |
| Return on Equity (ROE) | 6.4949% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.4949% | 1,926 |
| Net charge-offs to loans | -0.0101% | 4,490 |
| Credit loss provision to net charge-offs | -571.9298% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2651% | 1,593 |
| Assets per employee ($millions) | 6.7278% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,679 |
| Loan loss allowance to noncurrent loans | 182.4299% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 2,927 |
| Noncurrent loans to loans | 0.5487% | 2,628 |
| Net loans and leases to total assets | 73.5821% | 1,997 |
| Net loans and leases to deposits | 92.8693% | 1,410 |
| Net loans and leases to core deposits | 103.8333% | 1,428 |
| Total domestic deposits to total assets | 79.2319% | 4,262 |
| Equity capital to assets | 12.1144% | 1,812 |
| Core capital (leverage) ratio | 12.1928% | 1,618 |
| Tier 1 risk-based capital ratio | 16.7929% | 2,137 |
| Total risk-based capital ratio | 17.9674% | 2,109 |
| Memoranda: | ||
| Average total assets | $759,342,200 | 992 |
| Average earning assets | $707,541,400 | 978 |
| Average equity | $93,427,800 | 904 |
| Average total loans | $566,623,200 | 940 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,126 |
| Cost of funding earning assets | 0.5738% | 2,671 |
| Net interest margin | 3.3591% | 4,139 |
| Noninterest income to average assets | 0.5066% | 2,826 |
| Noninterest expense to average assets | 2.7783% | 2,712 |
| Loan and lease loss provision to assets | 0.0521% | 2,941 |
| Net operating income to assets | 0.6689% | 4,325 |
| Return on assets (ROA) | 0.7462% | 4,100 |
| Pretax return on assets | 0.8974% | 4,030 |
| Return on Equity (ROE) | 6.0407% | 4,255 |
| Retained earnings to average equity (ytd only) | 6.0407% | 2,639 |
| Net charge-offs to loans | -0.0090% | 4,365 |
| Credit loss provision to net charge-offs | -773.6842% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4408% | 1,294 |
| Assets per employee ($millions) | 6.3158% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,756 |
| Loan loss allowance to noncurrent loans | 227.1127% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,316 |
| Noncurrent loans to loans | 0.4404% | 3,077 |
| Net loans and leases to total assets | 76.4427% | 1,594 |
| Net loans and leases to deposits | 97.6424% | 976 |
| Net loans and leases to core deposits | 108.3674% | 1,142 |
| Total domestic deposits to total assets | 78.2884% | 4,441 |
| Equity capital to assets | 12.6645% | 1,488 |
| Core capital (leverage) ratio | 12.2333% | 1,654 |
| Tier 1 risk-based capital ratio | 16.7192% | 2,200 |
| Total risk-based capital ratio | 18.0221% | 2,126 |
| Memoranda: | ||
| Average total assets | $752,390,500 | 998 |
| Average earning assets | $700,612,250 | 982 |
| Average equity | $92,945,250 | 900 |
| Average total loans | $562,014,750 | 947 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 4,168 |
| Cost of funding earning assets | 0.5333% | 2,742 |
| Net interest margin | 3.3331% | 4,150 |
| Noninterest income to average assets | 0.5065% | 2,826 |
| Noninterest expense to average assets | 2.8945% | 2,370 |
| Loan and lease loss provision to assets | 0.0505% | 2,908 |
| Net operating income to assets | 0.5611% | 4,603 |
| Return on assets (ROA) | 0.5660% | 4,599 |
| Pretax return on assets | 0.6712% | 4,585 |
| Return on Equity (ROE) | 4.6204% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.6204% | 3,277 |
| Net charge-offs to loans | -0.0083% | 4,256 |
| Credit loss provision to net charge-offs | -826.0870% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1722% | 1,005 |
| Assets per employee ($millions) | 6.8646% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,851 |
| Loan loss allowance to noncurrent loans | 201.4883% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,267 |
| Noncurrent loans to loans | 0.4956% | 2,944 |
| Net loans and leases to total assets | 73.3203% | 2,070 |
| Net loans and leases to deposits | 96.3261% | 1,109 |
| Net loans and leases to core deposits | 104.0875% | 1,393 |
| Total domestic deposits to total assets | 76.1167% | 4,843 |
| Equity capital to assets | 12.1400% | 1,753 |
| Core capital (leverage) ratio | 11.9321% | 1,761 |
| Tier 1 risk-based capital ratio | 16.5324% | 2,251 |
| Total risk-based capital ratio | 17.8336% | 2,178 |
| Memoranda: | ||
| Average total assets | $752,662,000 | 999 |
| Average earning assets | $700,913,000 | 987 |
| Average equity | $92,199,330 | 906 |
| Average total loans | $555,909,670 | 952 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 4,146 |
| Cost of funding earning assets | 0.5206% | 2,630 |
| Net interest margin | 3.3046% | 4,178 |
| Noninterest income to average assets | 0.4991% | 2,804 |
| Noninterest expense to average assets | 3.3802% | 1,192 |
| Loan and lease loss provision to assets | 0.0806% | 2,175 |
| Net operating income to assets | 0.1010% | 5,330 |
| Return on assets (ROA) | 0.1010% | 5,326 |
| Pretax return on assets | 0.1177% | 5,327 |
| Return on Equity (ROE) | 0.8207% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.8207% | 4,663 |
| Net charge-offs to loans | -0.0102% | 4,257 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4603% | 285 |
| Assets per employee ($millions) | 6.7901% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,809 |
| Loan loss allowance to noncurrent loans | 227.0238% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,506 |
| Noncurrent loans to loans | 0.4518% | 3,184 |
| Net loans and leases to total assets | 72.8297% | 2,047 |
| Net loans and leases to deposits | 93.7768% | 1,243 |
| Net loans and leases to core deposits | 101.7076% | 1,557 |
| Total domestic deposits to total assets | 77.6628% | 4,774 |
| Equity capital to assets | 12.2478% | 1,637 |
| Core capital (leverage) ratio | 11.8638% | 1,742 |
| Tier 1 risk-based capital ratio | 16.6456% | 2,228 |
| Total risk-based capital ratio | 17.9633% | 2,152 |
| Memoranda: | ||
| Average total assets | $744,577,500 | 1,012 |
| Average earning assets | $693,815,500 | 997 |
| Average equity | $91,631,000 | 917 |
| Average total loans | $549,167,000 | 966 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,209 |
| Cost of funding earning assets | 0.4311% | 2,950 |
| Net interest margin | 3.3217% | 4,091 |
| Noninterest income to average assets | 0.5198% | 2,879 |
| Noninterest expense to average assets | 2.7952% | 2,792 |
| Loan and lease loss provision to assets | 0.1007% | 2,210 |
| Net operating income to assets | 0.4720% | 4,452 |
| Return on assets (ROA) | 0.6367% | 3,900 |
| Pretax return on assets | 0.9777% | 3,649 |
| Return on Equity (ROE) | 4.9922% | 4,159 |
| Retained earnings to average equity (ytd only) | 4.9922% | 2,132 |
| Net charge-offs to loans | 0.0045% | 3,931 |
| Credit loss provision to net charge-offs | 3,073.9130% | 132 |
| Earnings coverage of net charge-offs (x) | 247.6522% | 341 |
| Efficiency ratio | 77.4986% | 1,426 |
| Assets per employee ($millions) | 6.8727% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,969 |
| Loan loss allowance to noncurrent loans | 160.6399% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,878 |
| Noncurrent loans to loans | 0.6213% | 2,676 |
| Net loans and leases to total assets | 73.1448% | 2,068 |
| Net loans and leases to deposits | 95.1121% | 1,167 |
| Net loans and leases to core deposits | 102.4020% | 1,529 |
| Total domestic deposits to total assets | 76.9038% | 4,862 |
| Equity capital to assets | 12.3654% | 1,591 |
| Core capital (leverage) ratio | 12.5502% | 1,328 |
| Tier 1 risk-based capital ratio | 16.9402% | 2,117 |
| Total risk-based capital ratio | 18.2950% | 2,029 |
| Memoranda: | ||
| Average total assets | $701,847,000 | 1,042 |
| Average earning assets | $652,254,800 | 1,030 |
| Average equity | $89,519,600 | 903 |
| Average total loans | $515,500,200 | 993 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,223 |
| Cost of funding earning assets | 0.4245% | 2,934 |
| Net interest margin | 3.3113% | 4,128 |
| Noninterest income to average assets | 0.5306% | 2,835 |
| Noninterest expense to average assets | 2.8144% | 2,679 |
| Loan and lease loss provision to assets | 0.1295% | 1,673 |
| Net operating income to assets | 0.5071% | 4,711 |
| Return on assets (ROA) | 0.8020% | 3,562 |
| Pretax return on assets | 1.0614% | 3,454 |
| Return on Equity (ROE) | 6.2368% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.2368% | 2,093 |
| Net charge-offs to loans | -0.0089% | 4,603 |
| Credit loss provision to net charge-offs | -1,976.4706% | 5,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0397% | 1,327 |
| Assets per employee ($millions) | 6.5357% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,915 |
| Loan loss allowance to noncurrent loans | 157.4048% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,028 |
| Noncurrent loans to loans | 0.6530% | 2,752 |
| Net loans and leases to total assets | 74.9606% | 1,768 |
| Net loans and leases to deposits | 98.2231% | 889 |
| Net loans and leases to core deposits | 105.9805% | 1,274 |
| Total domestic deposits to total assets | 76.3167% | 4,982 |
| Equity capital to assets | 12.8500% | 1,465 |
| Core capital (leverage) ratio | 12.7662% | 1,310 |
| Tier 1 risk-based capital ratio | 17.2281% | 2,083 |
| Total risk-based capital ratio | 18.5879% | 2,005 |
| Memoranda: | ||
| Average total assets | $691,746,750 | 1,058 |
| Average earning assets | $642,551,500 | 1,051 |
| Average equity | $88,954,000 | 914 |
| Average total loans | $507,278,000 | 1,008 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,275 |
| Cost of funding earning assets | 0.4127% | 2,956 |
| Net interest margin | 3.2703% | 4,209 |
| Noninterest income to average assets | 0.5365% | 2,784 |
| Noninterest expense to average assets | 2.7957% | 2,780 |
| Loan and lease loss provision to assets | 0.1170% | 1,758 |
| Net operating income to assets | 0.5083% | 4,683 |
| Return on assets (ROA) | 0.8876% | 3,034 |
| Pretax return on assets | 1.1723% | 2,887 |
| Return on Equity (ROE) | 6.9004% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.9004% | 1,641 |
| Net charge-offs to loans | -0.0076% | 4,446 |
| Credit loss provision to net charge-offs | -2,115.7895% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2085% | 1,433 |
| Assets per employee ($millions) | 6.5849% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,992 |
| Loan loss allowance to noncurrent loans | 129.6665% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 2,858 |
| Noncurrent loans to loans | 0.7904% | 2,427 |
| Net loans and leases to total assets | 71.4071% | 2,300 |
| Net loans and leases to deposits | 91.2230% | 1,579 |
| Net loans and leases to core deposits | 98.4840% | 1,767 |
| Total domestic deposits to total assets | 78.2775% | 4,777 |
| Equity capital to assets | 12.7258% | 1,510 |
| Core capital (leverage) ratio | 12.6635% | 1,312 |
| Tier 1 risk-based capital ratio | 17.5622% | 1,985 |
| Total risk-based capital ratio | 18.9129% | 1,912 |
| Memoranda: | ||
| Average total assets | $687,045,330 | 1,066 |
| Average earning assets | $638,298,330 | 1,061 |
| Average equity | $88,371,330 | 922 |
| Average total loans | $498,169,000 | 1,027 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 4,294 |
| Cost of funding earning assets | 0.3944% | 3,046 |
| Net interest margin | 3.2503% | 4,177 |
| Noninterest income to average assets | 0.5225% | 2,823 |
| Noninterest expense to average assets | 2.7924% | 2,823 |
| Loan and lease loss provision to assets | 0.1162% | 1,651 |
| Net operating income to assets | 0.5008% | 4,593 |
| Return on assets (ROA) | 1.0020% | 2,345 |
| Pretax return on assets | 1.2809% | 2,300 |
| Return on Equity (ROE) | 7.7469% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.7469% | 1,556 |
| Net charge-offs to loans | 0.0032% | 2,860 |
| Credit loss provision to net charge-offs | 4,925.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 319.2500% | 190 |
| Efficiency ratio | 78.7591% | 1,524 |
| Assets per employee ($millions) | 6.4009% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 4,303 |
| Loan loss allowance to noncurrent loans | 135.1234% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 3,040 |
| Noncurrent loans to loans | 0.7388% | 2,647 |
| Net loans and leases to total assets | 71.4705% | 2,144 |
| Net loans and leases to deposits | 91.5730% | 1,371 |
| Net loans and leases to core deposits | 98.1640% | 1,643 |
| Total domestic deposits to total assets | 78.0476% | 4,959 |
| Equity capital to assets | 12.8063% | 1,348 |
| Core capital (leverage) ratio | 12.9849% | 1,149 |
| Tier 1 risk-based capital ratio | 17.5565% | 2,021 |
| Total risk-based capital ratio | 18.9183% | 1,941 |
| Memoranda: | ||
| Average total assets | $678,276,000 | 1,081 |
| Average earning assets | $630,829,000 | 1,073 |
| Average equity | $87,725,000 | 929 |
| Average total loans | $493,087,000 | 1,033 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,073 |
| Cost of funding earning assets | 0.4224% | 2,784 |
| Net interest margin | 3.3229% | 4,073 |
| Noninterest income to average assets | 0.5713% | 2,809 |
| Noninterest expense to average assets | 2.9037% | 2,658 |
| Loan and lease loss provision to assets | 0.1211% | 2,038 |
| Net operating income to assets | 0.5198% | 4,551 |
| Return on assets (ROA) | 0.6298% | 4,203 |
| Pretax return on assets | 0.7674% | 4,279 |
| Return on Equity (ROE) | 4.7431% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.7431% | 2,520 |
| Net charge-offs to loans | 0.0504% | 3,038 |
| Credit loss provision to net charge-offs | 339.1304% | 896 |
| Earnings coverage of net charge-offs (x) | 20.9913% | 1,823 |
| Efficiency ratio | 79.4798% | 1,482 |
| Assets per employee ($millions) | 6.2760% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,422 |
| Loan loss allowance to noncurrent loans | 142.8273% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 3,173 |
| Noncurrent loans to loans | 0.6883% | 2,817 |
| Net loans and leases to total assets | 72.5029% | 2,092 |
| Net loans and leases to deposits | 92.1045% | 1,443 |
| Net loans and leases to core deposits | 98.1618% | 1,758 |
| Total domestic deposits to total assets | 78.7182% | 4,861 |
| Equity capital to assets | 13.0657% | 1,229 |
| Core capital (leverage) ratio | 12.9927% | 1,135 |
| Tier 1 risk-based capital ratio | 17.2674% | 2,069 |
| Total risk-based capital ratio | 18.6079% | 2,002 |
| Memoranda: | ||
| Average total assets | $644,005,000 | 1,100 |
| Average earning assets | $597,336,600 | 1,093 |
| Average equity | $85,513,400 | 928 |
| Average total loans | $456,647,200 | 1,075 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,236 |
| Cost of funding earning assets | 0.4251% | 2,778 |
| Net interest margin | 3.2807% | 4,250 |
| Noninterest income to average assets | 0.5755% | 2,789 |
| Noninterest expense to average assets | 2.9378% | 2,506 |
| Loan and lease loss provision to assets | 0.1044% | 2,183 |
| Net operating income to assets | 0.4901% | 4,732 |
| Return on assets (ROA) | 0.6407% | 4,244 |
| Pretax return on assets | 0.7549% | 4,460 |
| Return on Equity (ROE) | 4.8049% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8049% | 2,954 |
| Net charge-offs to loans | 0.0529% | 2,608 |
| Credit loss provision to net charge-offs | 280.8989% | 1,095 |
| Earnings coverage of net charge-offs (x) | 18.2919% | 2,003 |
| Efficiency ratio | 81.2107% | 1,278 |
| Assets per employee ($millions) | 5.9820% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,606 |
| Loan loss allowance to noncurrent loans | 121.2065% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 2,971 |
| Noncurrent loans to loans | 0.7946% | 2,685 |
| Net loans and leases to total assets | 71.9272% | 2,206 |
| Net loans and leases to deposits | 93.1699% | 1,350 |
| Net loans and leases to core deposits | 98.8275% | 1,742 |
| Total domestic deposits to total assets | 77.2001% | 5,047 |
| Equity capital to assets | 13.3459% | 1,322 |
| Core capital (leverage) ratio | 13.1662% | 1,126 |
| Tier 1 risk-based capital ratio | 17.1555% | 2,180 |
| Total risk-based capital ratio | 18.4886% | 2,112 |
| Memoranda: | ||
| Average total assets | $638,693,000 | 1,107 |
| Average earning assets | $592,223,250 | 1,104 |
| Average equity | $85,161,750 | 940 |
| Average total loans | $449,029,750 | 1,090 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,329 |
| Cost of funding earning assets | 0.4242% | 2,786 |
| Net interest margin | 3.2650% | 4,334 |
| Noninterest income to average assets | 0.5963% | 2,639 |
| Noninterest expense to average assets | 2.8210% | 2,961 |
| Loan and lease loss provision to assets | 0.0788% | 2,572 |
| Net operating income to assets | 0.6192% | 4,190 |
| Return on assets (ROA) | 0.6896% | 3,997 |
| Pretax return on assets | 0.8088% | 4,248 |
| Return on Equity (ROE) | 5.1738% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.1738% | 2,617 |
| Net charge-offs to loans | 0.0685% | 2,207 |
| Credit loss provision to net charge-offs | 165.5629% | 1,493 |
| Earnings coverage of net charge-offs (x) | 16.8344% | 1,910 |
| Efficiency ratio | 77.8726% | 1,809 |
| Assets per employee ($millions) | 6.2076% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,660 |
| Loan loss allowance to noncurrent loans | 94.2839% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 2,786 |
| Noncurrent loans to loans | 1.0308% | 2,222 |
| Net loans and leases to total assets | 68.4677% | 2,716 |
| Net loans and leases to deposits | 86.7767% | 2,159 |
| Net loans and leases to core deposits | 92.2651% | 2,326 |
| Total domestic deposits to total assets | 78.9010% | 4,806 |
| Equity capital to assets | 13.4233% | 1,275 |
| Core capital (leverage) ratio | 13.1257% | 1,109 |
| Tier 1 risk-based capital ratio | 17.4577% | 2,077 |
| Total risk-based capital ratio | 18.8276% | 2,016 |
| Memoranda: | ||
| Average total assets | $634,243,670 | 1,119 |
| Average earning assets | $587,878,670 | 1,114 |
| Average equity | $84,542,000 | 939 |
| Average total loans | $440,854,330 | 1,109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,260 |
| Cost of funding earning assets | 0.4212% | 2,849 |
| Net interest margin | 3.2962% | 4,236 |
| Noninterest income to average assets | 0.5638% | 2,724 |
| Noninterest expense to average assets | 2.7434% | 3,264 |
| Loan and lease loss provision to assets | 0.0636% | 2,680 |
| Net operating income to assets | 0.6771% | 3,838 |
| Return on assets (ROA) | 0.6510% | 4,091 |
| Pretax return on assets | 0.7834% | 4,258 |
| Return on Equity (ROE) | 4.9016% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.9016% | 2,999 |
| Net charge-offs to loans | 0.0502% | 2,037 |
| Credit loss provision to net charge-offs | 181.8182% | 1,144 |
| Earnings coverage of net charge-offs (x) | 24.9455% | 1,310 |
| Efficiency ratio | 75.8578% | 2,191 |
| Assets per employee ($millions) | 5.9924% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 4,740 |
| Loan loss allowance to noncurrent loans | 107.2609% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,987 |
| Noncurrent loans to loans | 0.9086% | 2,579 |
| Net loans and leases to total assets | 68.5303% | 2,574 |
| Net loans and leases to deposits | 87.5243% | 1,882 |
| Net loans and leases to core deposits | 92.7716% | 2,117 |
| Total domestic deposits to total assets | 78.2986% | 5,090 |
| Equity capital to assets | 13.3321% | 1,250 |
| Core capital (leverage) ratio | 13.0303% | 1,146 |
| Tier 1 risk-based capital ratio | 17.4609% | 2,133 |
| Total risk-based capital ratio | 18.7662% | 2,087 |
| Memoranda: | ||
| Average total assets | $628,572,500 | 1,126 |
| Average earning assets | $582,120,000 | 1,121 |
| Average equity | $83,483,500 | 952 |
| Average total loans | $438,103,500 | 1,108 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,285 |
| Cost of funding earning assets | 0.4144% | 2,999 |
| Net interest margin | 3.3143% | 4,232 |
| Noninterest income to average assets | 0.5690% | 2,906 |
| Noninterest expense to average assets | 2.9203% | 2,792 |
| Loan and lease loss provision to assets | 0.0616% | 3,070 |
| Net operating income to assets | 0.5475% | 4,508 |
| Return on assets (ROA) | 0.6033% | 4,354 |
| Pretax return on assets | 0.7302% | 4,434 |
| Return on Equity (ROE) | 4.5770% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.5770% | 2,723 |
| Net charge-offs to loans | 0.0255% | 3,726 |
| Credit loss provision to net charge-offs | 357.1429% | 831 |
| Earnings coverage of net charge-offs (x) | 41.7333% | 1,138 |
| Efficiency ratio | 80.2354% | 1,640 |
| Assets per employee ($millions) | 5.8675% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,762 |
| Loan loss allowance to noncurrent loans | 113.0702% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 3,194 |
| Noncurrent loans to loans | 0.8586% | 2,634 |
| Net loans and leases to total assets | 69.5205% | 2,445 |
| Net loans and leases to deposits | 90.3661% | 1,570 |
| Net loans and leases to core deposits | 93.9348% | 2,052 |
| Total domestic deposits to total assets | 76.9321% | 5,325 |
| Equity capital to assets | 13.2297% | 1,243 |
| Core capital (leverage) ratio | 12.9614% | 1,158 |
| Tier 1 risk-based capital ratio | 17.5505% | 2,109 |
| Total risk-based capital ratio | 18.7548% | 2,071 |
| Memoranda: | ||
| Average total assets | $609,152,800 | 1,118 |
| Average earning assets | $564,377,200 | 1,111 |
| Average equity | $80,292,600 | 950 |
| Average total loans | $411,556,800 | 1,116 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,376 |
| Cost of funding earning assets | 0.4158% | 3,057 |
| Net interest margin | 3.2992% | 4,342 |
| Noninterest income to average assets | 0.5727% | 2,896 |
| Noninterest expense to average assets | 2.8490% | 3,013 |
| Loan and lease loss provision to assets | 0.0330% | 3,568 |
| Net operating income to assets | 0.5960% | 4,403 |
| Return on assets (ROA) | 0.6740% | 4,127 |
| Pretax return on assets | 0.8522% | 4,163 |
| Return on Equity (ROE) | 5.1180% | 4,573 |
| Retained earnings to average equity (ytd only) | 5.1180% | 2,832 |
| Net charge-offs to loans | 0.0056% | 3,978 |
| Credit loss provision to net charge-offs | 882.3529% | 410 |
| Earnings coverage of net charge-offs (x) | 208.7287% | 352 |
| Efficiency ratio | 78.4870% | 1,890 |
| Assets per employee ($millions) | 5.9771% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,931 |
| Loan loss allowance to noncurrent loans | 95.6623% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 3,124 |
| Noncurrent loans to loans | 1.0057% | 2,466 |
| Net loans and leases to total assets | 67.9328% | 2,689 |
| Net loans and leases to deposits | 90.1055% | 1,635 |
| Net loans and leases to core deposits | 93.3057% | 2,142 |
| Total domestic deposits to total assets | 75.3925% | 5,587 |
| Equity capital to assets | 12.9200% | 1,488 |
| Core capital (leverage) ratio | 13.1265% | 1,162 |
| Tier 1 risk-based capital ratio | 17.6445% | 2,142 |
| Total risk-based capital ratio | 18.7081% | 2,154 |
| Memoranda: | ||
| Average total assets | $605,953,500 | 1,132 |
| Average earning assets | $561,503,750 | 1,117 |
| Average equity | $79,795,250 | 958 |
| Average total loans | $405,290,500 | 1,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,431 |
| Cost of funding earning assets | 0.4112% | 3,147 |
| Net interest margin | 3.2800% | 4,375 |
| Noninterest income to average assets | 0.5780% | 2,868 |
| Noninterest expense to average assets | 2.8425% | 3,090 |
| Loan and lease loss provision to assets | 0.0250% | 3,637 |
| Net operating income to assets | 0.6082% | 4,302 |
| Return on assets (ROA) | 0.7428% | 3,774 |
| Pretax return on assets | 0.9292% | 3,850 |
| Return on Equity (ROE) | 5.6039% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.6039% | 2,463 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4382% | 1,999 |
| Assets per employee ($millions) | 5.7450% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,955 |
| Loan loss allowance to noncurrent loans | 87.2869% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 3,034 |
| Noncurrent loans to loans | 1.1246% | 2,401 |
| Net loans and leases to total assets | 66.9860% | 2,791 |
| Net loans and leases to deposits | 85.2894% | 2,137 |
| Net loans and leases to core deposits | 88.1879% | 2,535 |
| Total domestic deposits to total assets | 78.5397% | 5,177 |
| Equity capital to assets | 13.1135% | 1,341 |
| Core capital (leverage) ratio | 13.1548% | 1,113 |
| Tier 1 risk-based capital ratio | 18.0024% | 2,064 |
| Total risk-based capital ratio | 19.1860% | 2,035 |
| Memoranda: | ||
| Average total assets | $600,731,330 | 1,150 |
| Average earning assets | $557,858,330 | 1,129 |
| Average equity | $79,622,670 | 966 |
| Average total loans | $398,258,670 | 1,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 4,564 |
| Cost of funding earning assets | 0.4121% | 3,169 |
| Net interest margin | 3.2290% | 4,489 |
| Noninterest income to average assets | 0.5625% | 2,871 |
| Noninterest expense to average assets | 2.8280% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5856% | 4,339 |
| Return on assets (ROA) | 0.8032% | 3,370 |
| Pretax return on assets | 1.0144% | 3,437 |
| Return on Equity (ROE) | 6.0273% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0273% | 2,490 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3902% | 1,972 |
| Assets per employee ($millions) | 5.7514% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,970 |
| Loan loss allowance to noncurrent loans | 104.4199% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 3,388 |
| Noncurrent loans to loans | 0.9660% | 2,842 |
| Net loans and leases to total assets | 65.1193% | 2,919 |
| Net loans and leases to deposits | 83.4034% | 2,154 |
| Net loans and leases to core deposits | 86.1698% | 2,528 |
| Total domestic deposits to total assets | 78.0776% | 5,436 |
| Equity capital to assets | 13.3936% | 1,222 |
| Core capital (leverage) ratio | 12.8549% | 1,212 |
| Tier 1 risk-based capital ratio | 18.9645% | 1,882 |
| Total risk-based capital ratio | 20.3413% | 1,804 |
| Memoranda: | ||
| Average total assets | $596,609,500 | 1,161 |
| Average earning assets | $554,231,000 | 1,140 |
| Average equity | $79,505,000 | 962 |
| Average total loans | $391,402,000 | 1,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,478 |
| Cost of funding earning assets | 0.4092% | 3,594 |
| Net interest margin | 3.3951% | 4,217 |
| Noninterest income to average assets | 0.5989% | 2,860 |
| Noninterest expense to average assets | 2.8747% | 3,221 |
| Loan and lease loss provision to assets | 0.0696% | 3,090 |
| Net operating income to assets | 0.6677% | 4,050 |
| Return on assets (ROA) | 0.7018% | 3,998 |
| Pretax return on assets | 0.8479% | 4,088 |
| Return on Equity (ROE) | 5.2010% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.2010% | 2,467 |
| Net charge-offs to loans | 0.0008% | 4,961 |
| Credit loss provision to net charge-offs | 13,333.3333% | 21 |
| Earnings coverage of net charge-offs (x) | 1,666.0000% | 20 |
| Efficiency ratio | 76.7632% | 2,398 |
| Assets per employee ($millions) | 5.7774% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,949 |
| Loan loss allowance to noncurrent loans | 130.5592% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 3,870 |
| Noncurrent loans to loans | 0.7808% | 3,354 |
| Net loans and leases to total assets | 64.7580% | 3,095 |
| Net loans and leases to deposits | 83.3792% | 2,287 |
| Net loans and leases to core deposits | 85.4818% | 2,736 |
| Total domestic deposits to total assets | 77.6668% | 5,492 |
| Equity capital to assets | 13.2584% | 1,246 |
| Core capital (leverage) ratio | 13.1185% | 1,091 |
| Tier 1 risk-based capital ratio | 21.2873% | 1,342 |
| Total risk-based capital ratio | 22.9007% | 1,258 |
| Memoranda: | ||
| Average total assets | $574,364,800 | 1,151 |
| Average earning assets | $532,213,800 | 1,136 |
| Average equity | $77,503,600 | 946 |
| Average total loans | $365,526,200 | 1,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,394 |
| Cost of funding earning assets | 0.4086% | 3,696 |
| Net interest margin | 3.4355% | 4,091 |
| Noninterest income to average assets | 0.5926% | 2,916 |
| Noninterest expense to average assets | 2.8290% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7478% | 3,679 |
| Return on assets (ROA) | 0.8023% | 3,512 |
| Pretax return on assets | 1.0223% | 3,510 |
| Return on Equity (ROE) | 5.9187% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.9187% | 2,460 |
| Net charge-offs to loans | 0.0026% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 576.1919% | 134 |
| Efficiency ratio | 74.9705% | 2,664 |
| Assets per employee ($millions) | 5.5472% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 5,348 |
| Loan loss allowance to noncurrent loans | 97.1919% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 3,858 |
| Noncurrent loans to loans | 0.9970% | 3,078 |
| Net loans and leases to total assets | 63.1543% | 3,323 |
| Net loans and leases to deposits | 81.8163% | 2,453 |
| Net loans and leases to core deposits | 84.1870% | 2,861 |
| Total domestic deposits to total assets | 77.1904% | 5,645 |
| Equity capital to assets | 13.7834% | 1,078 |
| Core capital (leverage) ratio | 13.2782% | 1,074 |
| Tier 1 risk-based capital ratio | 22.5457% | 1,179 |
| Total risk-based capital ratio | 24.0497% | 1,122 |
| Memoranda: | ||
| Average total assets | $569,187,500 | 1,169 |
| Average earning assets | $527,000,000 | 1,157 |
| Average equity | $77,155,250 | 955 |
| Average total loans | $359,576,000 | 1,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 4,195 |
| Cost of funding earning assets | 0.4113% | 3,757 |
| Net interest margin | 3.4735% | 3,882 |
| Noninterest income to average assets | 0.5965% | 2,831 |
| Noninterest expense to average assets | 2.8425% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7344% | 3,651 |
| Return on assets (ROA) | 0.7924% | 3,469 |
| Pretax return on assets | 1.0568% | 3,250 |
| Return on Equity (ROE) | 5.8794% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.8794% | 2,394 |
| Net charge-offs to loans | 0.0039% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 392.8571% | 177 |
| Efficiency ratio | 74.5441% | 2,883 |
| Assets per employee ($millions) | 5.6176% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 5,378 |
| Loan loss allowance to noncurrent loans | 73.7790% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 3,146 |
| Noncurrent loans to loans | 1.3479% | 2,554 |
| Net loans and leases to total assets | 61.9390% | 3,420 |
| Net loans and leases to deposits | 79.5034% | 2,584 |
| Net loans and leases to core deposits | 81.7887% | 2,997 |
| Total domestic deposits to total assets | 77.9074% | 5,652 |
| Equity capital to assets | 13.7364% | 1,069 |
| Core capital (leverage) ratio | 13.2225% | 1,074 |
| Tier 1 risk-based capital ratio | 22.7955% | 1,143 |
| Total risk-based capital ratio | 24.4436% | 1,068 |
| Memoranda: | ||
| Average total assets | $566,614,670 | 1,172 |
| Average earning assets | $524,716,000 | 1,164 |
| Average equity | $76,368,000 | 961 |
| Average total loans | $356,799,330 | 1,233 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,982 |
| Cost of funding earning assets | 0.4388% | 3,546 |
| Net interest margin | 3.4880% | 3,749 |
| Noninterest income to average assets | 0.5850% | 2,824 |
| Noninterest expense to average assets | 2.8497% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7337% | 3,525 |
| Return on assets (ROA) | 0.7469% | 3,522 |
| Pretax return on assets | 0.9904% | 3,362 |
| Return on Equity (ROE) | 5.5959% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,741 |
| Net charge-offs to loans | 0.0079% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 193.8571% | 251 |
| Efficiency ratio | 74.7347% | 3,012 |
| Assets per employee ($millions) | 5.6718% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,510 |
| Loan loss allowance to noncurrent loans | 70.8607% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 3,262 |
| Noncurrent loans to loans | 1.4148% | 2,661 |
| Net loans and leases to total assets | 62.0689% | 3,231 |
| Net loans and leases to deposits | 79.7120% | 2,336 |
| Net loans and leases to core deposits | 82.1125% | 2,727 |
| Total domestic deposits to total assets | 77.8664% | 5,852 |
| Equity capital to assets | 13.4420% | 1,120 |
| Core capital (leverage) ratio | 13.2727% | 1,055 |
| Tier 1 risk-based capital ratio | 23.0389% | 1,140 |
| Total risk-based capital ratio | 24.5893% | 1,078 |
| Memoranda: | ||
| Average total assets | $563,424,000 | 1,181 |
| Average earning assets | $521,439,500 | 1,175 |
| Average equity | $75,197,500 | 975 |
| Average total loans | $355,962,500 | 1,242 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,916 |
| Cost of funding earning assets | 0.5875% | 2,773 |
| Net interest margin | 3.1793% | 5,062 |
| Noninterest income to average assets | 0.5790% | 3,215 |
| Noninterest expense to average assets | 2.8254% | 3,636 |
| Loan and lease loss provision to assets | 0.0229% | 4,667 |
| Net operating income to assets | 0.4692% | 4,873 |
| Return on assets (ROA) | 0.5029% | 4,853 |
| Pretax return on assets | 0.7090% | 4,509 |
| Return on Equity (ROE) | 3.7609% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.7609% | 3,535 |
| Net charge-offs to loans | 0.0203% | 5,029 |
| Credit loss provision to net charge-offs | 176.0563% | 1,301 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 771 |
| Efficiency ratio | 80.6772% | 2,060 |
| Assets per employee ($millions) | 5.2798% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,551 |
| Loan loss allowance to noncurrent loans | 69.0508% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 3,257 |
| Noncurrent loans to loans | 1.4518% | 2,715 |
| Net loans and leases to total assets | 63.0276% | 3,199 |
| Net loans and leases to deposits | 80.5526% | 2,379 |
| Net loans and leases to core deposits | 82.7619% | 2,805 |
| Total domestic deposits to total assets | 78.2441% | 5,790 |
| Equity capital to assets | 13.2497% | 1,157 |
| Core capital (leverage) ratio | 13.0140% | 1,139 |
| Tier 1 risk-based capital ratio | 22.7722% | 1,135 |
| Total risk-based capital ratio | 24.2562% | 1,073 |
| Memoranda: | ||
| Average total assets | $545,585,400 | 1,216 |
| Average earning assets | $501,616,600 | 1,212 |
| Average equity | $72,961,000 | 974 |
| Average total loans | $350,095,800 | 1,221 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,964 |
| Cost of funding earning assets | 0.5881% | 2,918 |
| Net interest margin | 3.1812% | 5,055 |
| Noninterest income to average assets | 0.5920% | 3,199 |
| Noninterest expense to average assets | 2.7440% | 3,854 |
| Loan and lease loss provision to assets | 0.0061% | 4,849 |
| Net operating income to assets | 0.5749% | 4,445 |
| Return on assets (ROA) | 0.6304% | 4,339 |
| Pretax return on assets | 0.8424% | 4,133 |
| Return on Equity (ROE) | 4.7029% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.7029% | 3,308 |
| Net charge-offs to loans | 0.0111% | 4,920 |
| Credit loss provision to net charge-offs | 86.2069% | 2,707 |
| Earnings coverage of net charge-offs (x) | 107.5743% | 471 |
| Efficiency ratio | 78.1451% | 2,400 |
| Assets per employee ($millions) | 5.2734% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,744 |
| Loan loss allowance to noncurrent loans | 71.1768% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 3,611 |
| Noncurrent loans to loans | 1.3990% | 3,072 |
| Net loans and leases to total assets | 62.5041% | 3,261 |
| Net loans and leases to deposits | 81.3365% | 2,225 |
| Net loans and leases to core deposits | 83.6369% | 2,686 |
| Total domestic deposits to total assets | 76.8463% | 6,069 |
| Equity capital to assets | 13.0177% | 1,328 |
| Core capital (leverage) ratio | 13.5703% | 995 |
| Tier 1 risk-based capital ratio | 23.2000% | 1,111 |
| Total risk-based capital ratio | 24.5545% | 1,077 |
| Memoranda: | ||
| Average total assets | $542,065,750 | 1,241 |
| Average earning assets | $497,445,000 | 1,233 |
| Average equity | $72,662,750 | 990 |
| Average total loans | $348,541,000 | 1,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,880 |
| Cost of funding earning assets | 0.6017% | 2,921 |
| Net interest margin | 3.1813% | 5,009 |
| Noninterest income to average assets | 0.5876% | 3,272 |
| Noninterest expense to average assets | 2.7508% | 3,854 |
| Loan and lease loss provision to assets | 0.0093% | 4,678 |
| Net operating income to assets | 0.5824% | 4,390 |
| Return on assets (ROA) | 0.6883% | 4,031 |
| Pretax return on assets | 0.9157% | 3,851 |
| Return on Equity (ROE) | 5.0834% | 4,677 |
| Retained earnings to average equity (ytd only) | 5.0834% | 2,994 |
| Net charge-offs to loans | 0.0127% | 4,610 |
| Credit loss provision to net charge-offs | 113.6364% | 1,943 |
| Earnings coverage of net charge-offs (x) | 95.0909% | 487 |
| Efficiency ratio | 77.9092% | 2,473 |
| Assets per employee ($millions) | 5.1339% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,771 |
| Loan loss allowance to noncurrent loans | 70.3918% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 3,824 |
| Noncurrent loans to loans | 1.4365% | 3,146 |
| Net loans and leases to total assets | 64.5579% | 2,829 |
| Net loans and leases to deposits | 78.6092% | 2,504 |
| Net loans and leases to core deposits | 80.8269% | 2,934 |
| Total domestic deposits to total assets | 82.1251% | 5,013 |
| Equity capital to assets | 13.5355% | 1,117 |
| Core capital (leverage) ratio | 13.6669% | 917 |
| Tier 1 risk-based capital ratio | 23.5811% | 1,050 |
| Total risk-based capital ratio | 24.9441% | 1,018 |
| Memoranda: | ||
| Average total assets | $536,428,330 | 1,250 |
| Average earning assets | $496,270,670 | 1,235 |
| Average equity | $72,628,330 | 991 |
| Average total loans | $347,088,670 | 1,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,919 |
| Cost of funding earning assets | 0.6369% | 2,770 |
| Net interest margin | 3.1340% | 5,143 |
| Noninterest income to average assets | 0.5022% | 3,753 |
| Noninterest expense to average assets | 2.6737% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5527% | 4,441 |
| Return on assets (ROA) | 0.7134% | 3,765 |
| Pretax return on assets | 0.9500% | 3,565 |
| Return on Equity (ROE) | 5.2687% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.2687% | 3,071 |
| Net charge-offs to loans | -0.0046% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5231% | 2,531 |
| Assets per employee ($millions) | 5.4340% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 5,929 |
| Loan loss allowance to noncurrent loans | 68.5347% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 3,880 |
| Noncurrent loans to loans | 1.4834% | 3,334 |
| Net loans and leases to total assets | 64.3944% | 2,631 |
| Net loans and leases to deposits | 78.5095% | 2,271 |
| Net loans and leases to core deposits | 80.8806% | 2,709 |
| Total domestic deposits to total assets | 82.0211% | 5,182 |
| Equity capital to assets | 13.7744% | 1,107 |
| Core capital (leverage) ratio | 13.5257% | 936 |
| Tier 1 risk-based capital ratio | 23.7066% | 1,060 |
| Total risk-based capital ratio | 25.1530% | 1,012 |
| Memoranda: | ||
| Average total assets | $537,682,000 | 1,259 |
| Average earning assets | $498,023,500 | 1,245 |
| Average equity | $72,808,000 | 999 |
| Average total loans | $346,528,500 | 1,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 5,098 |
| Cost of funding earning assets | 0.7798% | 2,831 |
| Net interest margin | 3.2822% | 5,312 |
| Noninterest income to average assets | 0.5423% | 3,633 |
| Noninterest expense to average assets | 2.6777% | 4,481 |
| Loan and lease loss provision to assets | 0.0333% | 5,476 |
| Net operating income to assets | 0.6635% | 3,914 |
| Return on assets (ROA) | 0.6443% | 4,280 |
| Pretax return on assets | 0.8511% | 4,099 |
| Return on Equity (ROE) | 4.7985% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.7985% | 2,850 |
| Net charge-offs to loans | 0.0410% | 5,347 |
| Credit loss provision to net charge-offs | 125.7143% | 2,249 |
| Earnings coverage of net charge-offs (x) | 34.1357% | 914 |
| Efficiency ratio | 74.7423% | 2,940 |
| Assets per employee ($millions) | 5.5391% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 5,914 |
| Loan loss allowance to noncurrent loans | 66.0161% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 3,864 |
| Noncurrent loans to loans | 1.5374% | 3,308 |
| Net loans and leases to total assets | 63.2049% | 3,016 |
| Net loans and leases to deposits | 76.1588% | 2,777 |
| Net loans and leases to core deposits | 78.3185% | 3,216 |
| Total domestic deposits to total assets | 82.9909% | 4,730 |
| Equity capital to assets | 13.3122% | 1,309 |
| Core capital (leverage) ratio | 13.6454% | 902 |
| Tier 1 risk-based capital ratio | 23.5757% | 1,024 |
| Total risk-based capital ratio | 24.7599% | 1,012 |
| Memoranda: | ||
| Average total assets | $528,135,200 | 1,264 |
| Average earning assets | $489,217,200 | 1,244 |
| Average equity | $70,917,400 | 994 |
| Average total loans | $341,865,000 | 1,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 5,081 |
| Cost of funding earning assets | 0.8022% | 2,921 |
| Net interest margin | 3.3275% | 5,285 |
| Noninterest income to average assets | 0.5118% | 3,848 |
| Noninterest expense to average assets | 2.6393% | 4,605 |
| Loan and lease loss provision to assets | 0.0191% | 5,563 |
| Net operating income to assets | 0.6821% | 3,995 |
| Return on assets (ROA) | 0.6628% | 4,346 |
| Pretax return on assets | 0.9147% | 4,047 |
| Return on Equity (ROE) | 4.9247% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.9247% | 3,418 |
| Net charge-offs to loans | 0.0153% | 5,475 |
| Credit loss provision to net charge-offs | 192.3077% | 1,443 |
| Earnings coverage of net charge-offs (x) | 96.3052% | 438 |
| Efficiency ratio | 73.4333% | 3,080 |
| Assets per employee ($millions) | 5.0697% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,006 |
| Loan loss allowance to noncurrent loans | 65.9048% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 4,156 |
| Noncurrent loans to loans | 1.5477% | 3,468 |
| Net loans and leases to total assets | 65.3757% | 2,757 |
| Net loans and leases to deposits | 80.1174% | 2,371 |
| Net loans and leases to core deposits | 82.5150% | 2,891 |
| Total domestic deposits to total assets | 81.5999% | 5,162 |
| Equity capital to assets | 13.8848% | 1,200 |
| Core capital (leverage) ratio | 13.4006% | 1,046 |
| Tier 1 risk-based capital ratio | 23.9435% | 1,030 |
| Total risk-based capital ratio | 25.1599% | 1,015 |
| Memoranda: | ||
| Average total assets | $524,460,750 | 1,284 |
| Average earning assets | $485,843,750 | 1,270 |
| Average equity | $70,581,000 | 1,002 |
| Average total loans | $340,677,500 | 1,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 5,265 |
| Cost of funding earning assets | 0.8162% | 3,067 |
| Net interest margin | 3.2982% | 5,442 |
| Noninterest income to average assets | 0.5190% | 3,793 |
| Noninterest expense to average assets | 2.6233% | 4,700 |
| Loan and lease loss provision to assets | 0.0286% | 5,313 |
| Net operating income to assets | 0.6736% | 4,004 |
| Return on assets (ROA) | 0.6588% | 4,325 |
| Pretax return on assets | 0.9097% | 4,035 |
| Return on Equity (ROE) | 4.9471% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.9471% | 3,302 |
| Net charge-offs to loans | 0.0301% | 4,958 |
| Credit loss provision to net charge-offs | 147.0588% | 1,881 |
| Earnings coverage of net charge-offs (x) | 49.0784% | 742 |
| Efficiency ratio | 73.3497% | 3,182 |
| Assets per employee ($millions) | 5.3464% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,057 |
| Loan loss allowance to noncurrent loans | 59.7173% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 4,088 |
| Noncurrent loans to loans | 1.7174% | 3,318 |
| Net loans and leases to total assets | 63.9238% | 3,052 |
| Net loans and leases to deposits | 77.9322% | 2,681 |
| Net loans and leases to core deposits | 80.8967% | 3,100 |
| Total domestic deposits to total assets | 82.0249% | 5,121 |
| Equity capital to assets | 13.4147% | 1,336 |
| Core capital (leverage) ratio | 12.9478% | 1,166 |
| Tier 1 risk-based capital ratio | 23.8308% | 1,037 |
| Total risk-based capital ratio | 25.1101% | 1,011 |
| Memoranda: | ||
| Average total assets | $525,220,000 | 1,288 |
| Average earning assets | $486,865,670 | 1,267 |
| Average equity | $69,940,000 | 1,003 |
| Average total loans | $339,270,330 | 1,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 5,222 |
| Cost of funding earning assets | 0.8370% | 3,171 |
| Net interest margin | 3.3305% | 5,364 |
| Noninterest income to average assets | 0.3655% | 4,948 |
| Noninterest expense to average assets | 2.6209% | 4,743 |
| Loan and lease loss provision to assets | 0.0191% | 5,100 |
| Net operating income to assets | 0.5558% | 4,561 |
| Return on assets (ROA) | 0.5558% | 4,778 |
| Pretax return on assets | 0.8104% | 4,372 |
| Return on Equity (ROE) | 4.1897% | 5,205 |
| Retained earnings to average equity (ytd only) | 4.1897% | 4,077 |
| Net charge-offs to loans | 0.0107% | 4,571 |
| Credit loss provision to net charge-offs | 277.7778% | 1,052 |
| Earnings coverage of net charge-offs (x) | 120.5556% | 293 |
| Efficiency ratio | 75.9583% | 2,795 |
| Assets per employee ($millions) | 5.4352% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,125 |
| Loan loss allowance to noncurrent loans | 56.8666% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 4,107 |
| Noncurrent loans to loans | 1.8253% | 3,371 |
| Net loans and leases to total assets | 63.2753% | 2,986 |
| Net loans and leases to deposits | 77.1877% | 2,648 |
| Net loans and leases to core deposits | 80.4687% | 3,016 |
| Total domestic deposits to total assets | 81.9760% | 5,304 |
| Equity capital to assets | 13.2501% | 1,340 |
| Core capital (leverage) ratio | 13.0095% | 1,127 |
| Tier 1 risk-based capital ratio | 23.8719% | 1,025 |
| Total risk-based capital ratio | 25.1789% | 1,002 |
| Memoranda: | ||
| Average total assets | $523,183,500 | 1,297 |
| Average earning assets | $484,616,500 | 1,285 |
| Average equity | $69,408,500 | 1,006 |
| Average total loans | $337,980,500 | 1,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 4,988 |
| Cost of funding earning assets | 0.9560% | 3,683 |
| Net interest margin | 3.5645% | 4,870 |
| Noninterest income to average assets | 0.3587% | 4,945 |
| Noninterest expense to average assets | 2.7136% | 4,696 |
| Loan and lease loss provision to assets | 0.0294% | 6,203 |
| Net operating income to assets | 0.6565% | 3,711 |
| Return on assets (ROA) | 0.7823% | 3,288 |
| Pretax return on assets | 1.0951% | 2,856 |
| Return on Equity (ROE) | 6.0985% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.0985% | 1,957 |
| Net charge-offs to loans | 0.0363% | 5,950 |
| Credit loss provision to net charge-offs | 119.8413% | 2,663 |
| Earnings coverage of net charge-offs (x) | 38.6270% | 695 |
| Efficiency ratio | 74.1227% | 3,218 |
| Assets per employee ($millions) | 5.1401% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 6,083 |
| Loan loss allowance to noncurrent loans | 56.2157% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2416% | 4,156 |
| Noncurrent loans to loans | 1.8279% | 3,436 |
| Net loans and leases to total assets | 64.6021% | 3,058 |
| Net loans and leases to deposits | 78.9745% | 2,685 |
| Net loans and leases to core deposits | 82.6074% | 3,089 |
| Total domestic deposits to total assets | 81.8012% | 5,189 |
| Equity capital to assets | 13.2833% | 1,368 |
| Core capital (leverage) ratio | 12.8700% | 1,191 |
| Tier 1 risk-based capital ratio | 23.3260% | 1,061 |
| Total risk-based capital ratio | 24.5475% | 1,048 |
| Memoranda: | ||
| Average total assets | $513,736,600 | 1,303 |
| Average earning assets | $475,941,800 | 1,286 |
| Average equity | $65,901,400 | 1,022 |
| Average total loans | $346,871,000 | 1,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 5,011 |
| Cost of funding earning assets | 0.9717% | 3,878 |
| Net interest margin | 3.5943% | 4,797 |
| Noninterest income to average assets | 0.3771% | 4,852 |
| Noninterest expense to average assets | 2.8116% | 4,299 |
| Loan and lease loss provision to assets | 0.0198% | 6,191 |
| Net operating income to assets | 0.6185% | 4,015 |
| Return on assets (ROA) | 0.7835% | 3,405 |
| Pretax return on assets | 1.1103% | 2,964 |
| Return on Equity (ROE) | 6.1633% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.1633% | 2,454 |
| Net charge-offs to loans | 0.0122% | 5,979 |
| Credit loss provision to net charge-offs | 237.5000% | 1,199 |
| Earnings coverage of net charge-offs (x) | 107.8015% | 338 |
| Efficiency ratio | 75.7980% | 2,869 |
| Assets per employee ($millions) | 5.0100% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,216 |
| Loan loss allowance to noncurrent loans | 56.9453% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 4,307 |
| Noncurrent loans to loans | 1.7749% | 3,672 |
| Net loans and leases to total assets | 66.4468% | 2,796 |
| Net loans and leases to deposits | 81.4116% | 2,465 |
| Net loans and leases to core deposits | 85.5559% | 2,838 |
| Total domestic deposits to total assets | 81.6184% | 5,215 |
| Equity capital to assets | 13.0738% | 1,581 |
| Core capital (leverage) ratio | 12.7694% | 1,320 |
| Tier 1 risk-based capital ratio | 22.4730% | 1,221 |
| Total risk-based capital ratio | 23.6779% | 1,199 |
| Memoranda: | ||
| Average total assets | $512,383,500 | 1,312 |
| Average earning assets | $475,040,750 | 1,294 |
| Average equity | $65,136,750 | 1,040 |
| Average total loans | $348,873,000 | 1,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 4,921 |
| Cost of funding earning assets | 0.9776% | 4,108 |
| Net interest margin | 3.6338% | 4,587 |
| Noninterest income to average assets | 0.3619% | 4,984 |
| Noninterest expense to average assets | 2.7255% | 4,721 |
| Loan and lease loss provision to assets | 0.0098% | 6,141 |
| Net operating income to assets | 0.7058% | 3,513 |
| Return on assets (ROA) | 0.7614% | 3,373 |
| Pretax return on assets | 1.0791% | 2,936 |
| Return on Equity (ROE) | 6.0472% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.0472% | 2,398 |
| Net charge-offs to loans | 0.0543% | 5,105 |
| Credit loss provision to net charge-offs | 26.3158% | 5,038 |
| Earnings coverage of net charge-offs (x) | 27.1895% | 998 |
| Efficiency ratio | 72.9500% | 3,548 |
| Assets per employee ($millions) | 4.9438% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,457 |
| Loan loss allowance to noncurrent loans | 70.7837% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 4,913 |
| Noncurrent loans to loans | 1.3680% | 4,367 |
| Net loans and leases to total assets | 66.7281% | 2,874 |
| Net loans and leases to deposits | 81.8316% | 2,480 |
| Net loans and leases to core deposits | 84.5293% | 3,133 |
| Total domestic deposits to total assets | 81.5431% | 5,337 |
| Equity capital to assets | 12.7006% | 1,677 |
| Core capital (leverage) ratio | 12.8308% | 1,232 |
| Tier 1 risk-based capital ratio | 22.5370% | 1,188 |
| Total risk-based capital ratio | 23.7680% | 1,164 |
| Memoranda: | ||
| Average total assets | $511,167,670 | 1,318 |
| Average earning assets | $474,655,000 | 1,296 |
| Average equity | $64,360,670 | 1,051 |
| Average total loans | $349,701,670 | 1,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 4,609 |
| Cost of funding earning assets | 0.9955% | 4,233 |
| Net interest margin | 3.6855% | 4,177 |
| Noninterest income to average assets | 0.3557% | 5,057 |
| Noninterest expense to average assets | 2.6420% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7563% | 3,239 |
| Return on assets (ROA) | 0.8620% | 2,800 |
| Pretax return on assets | 1.2902% | 2,070 |
| Return on Equity (ROE) | 6.8768% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.8768% | 2,200 |
| Net charge-offs to loans | 0.0892% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 18.4103% | 1,181 |
| Efficiency ratio | 69.9958% | 4,276 |
| Assets per employee ($millions) | 4.8182% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 6,495 |
| Loan loss allowance to noncurrent loans | 80.6059% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 5,138 |
| Noncurrent loans to loans | 1.2009% | 4,678 |
| Net loans and leases to total assets | 68.3284% | 2,485 |
| Net loans and leases to deposits | 83.5536% | 2,098 |
| Net loans and leases to core deposits | 86.8566% | 2,752 |
| Total domestic deposits to total assets | 81.7779% | 5,398 |
| Equity capital to assets | 12.7158% | 1,514 |
| Core capital (leverage) ratio | 12.8286% | 1,187 |
| Tier 1 risk-based capital ratio | 22.5463% | 1,138 |
| Total risk-based capital ratio | 23.7791% | 1,122 |
| Memoranda: | ||
| Average total assets | $507,201,000 | 1,328 |
| Average earning assets | $470,494,500 | 1,314 |
| Average equity | $63,576,500 | 1,056 |
| Average total loans | $349,666,000 | 1,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 5,254 |
| Cost of funding earning assets | 1.3062% | 3,845 |
| Net interest margin | 3.5387% | 5,084 |
| Noninterest income to average assets | 0.3415% | 5,351 |
| Noninterest expense to average assets | 2.6118% | 5,367 |
| Loan and lease loss provision to assets | 0.0247% | 6,875 |
| Net operating income to assets | 0.7109% | 3,193 |
| Return on assets (ROA) | 0.7147% | 3,300 |
| Pretax return on assets | 1.0078% | 2,911 |
| Return on Equity (ROE) | 5.8653% | 3,670 |
| Retained earnings to average equity (ytd only) | 5.8653% | 1,904 |
| Net charge-offs to loans | 0.0171% | 6,649 |
| Credit loss provision to net charge-offs | 208.3333% | 1,477 |
| Earnings coverage of net charge-offs (x) | 86.7833% | 282 |
| Efficiency ratio | 71.7732% | 3,840 |
| Assets per employee ($millions) | 4.8893% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 6,441 |
| Loan loss allowance to noncurrent loans | 73.3814% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 5,045 |
| Noncurrent loans to loans | 1.3450% | 4,469 |
| Net loans and leases to total assets | 68.2048% | 2,930 |
| Net loans and leases to deposits | 84.2268% | 2,418 |
| Net loans and leases to core deposits | 86.9415% | 3,194 |
| Total domestic deposits to total assets | 80.9775% | 5,530 |
| Equity capital to assets | 12.3547% | 1,716 |
| Core capital (leverage) ratio | 12.4713% | 1,325 |
| Tier 1 risk-based capital ratio | 22.0149% | 1,172 |
| Total risk-based capital ratio | 23.2116% | 1,152 |
| Memoranda: | ||
| Average total assets | $506,938,800 | 1,319 |
| Average earning assets | $472,378,000 | 1,297 |
| Average equity | $61,770,400 | 1,082 |
| Average total loans | $351,321,000 | 1,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 5,358 |
| Cost of funding earning assets | 1.3413% | 3,963 |
| Net interest margin | 3.5396% | 5,139 |
| Noninterest income to average assets | 0.3440% | 5,419 |
| Noninterest expense to average assets | 2.5760% | 5,413 |
| Loan and lease loss provision to assets | 0.0066% | 6,953 |
| Net operating income to assets | 0.7379% | 3,245 |
| Return on assets (ROA) | 0.7417% | 3,399 |
| Pretax return on assets | 1.0697% | 2,930 |
| Return on Equity (ROE) | 6.1086% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.1086% | 2,304 |
| Net charge-offs to loans | 0.0019% | 6,654 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 813.1724% | 28 |
| Efficiency ratio | 70.6388% | 3,948 |
| Assets per employee ($millions) | 4.9449% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 6,517 |
| Loan loss allowance to noncurrent loans | 88.2338% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 5,347 |
| Noncurrent loans to loans | 1.0996% | 5,043 |
| Net loans and leases to total assets | 69.0475% | 2,972 |
| Net loans and leases to deposits | 85.8310% | 2,382 |
| Net loans and leases to core deposits | 88.3255% | 3,330 |
| Total domestic deposits to total assets | 80.4459% | 5,560 |
| Equity capital to assets | 12.6335% | 1,788 |
| Core capital (leverage) ratio | 12.4138% | 1,454 |
| Tier 1 risk-based capital ratio | 21.9963% | 1,207 |
| Total risk-based capital ratio | 23.2112% | 1,186 |
| Memoranda: | ||
| Average total assets | $506,551,500 | 1,331 |
| Average earning assets | $472,665,500 | 1,310 |
| Average equity | $61,507,500 | 1,094 |
| Average total loans | $351,583,750 | 1,290 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 5,420 |
| Cost of funding earning assets | 1.3874% | 3,954 |
| Net interest margin | 3.5063% | 5,223 |
| Noninterest income to average assets | 0.3458% | 5,381 |
| Noninterest expense to average assets | 2.5927% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7125% | 3,351 |
| Return on assets (ROA) | 0.7116% | 3,509 |
| Pretax return on assets | 1.0251% | 3,024 |
| Return on Equity (ROE) | 5.9405% | 3,829 |
| Retained earnings to average equity (ytd only) | 5.9405% | 2,362 |
| Net charge-offs to loans | -0.0011% | 7,062 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6418% | 3,868 |
| Assets per employee ($millions) | 5.0109% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,535 |
| Loan loss allowance to noncurrent loans | 97.7816% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 5,542 |
| Noncurrent loans to loans | 0.9891% | 5,326 |
| Net loans and leases to total assets | 67.9944% | 3,361 |
| Net loans and leases to deposits | 83.8404% | 2,897 |
| Net loans and leases to core deposits | 86.2339% | 3,798 |
| Total domestic deposits to total assets | 81.0998% | 5,371 |
| Equity capital to assets | 12.0968% | 2,046 |
| Core capital (leverage) ratio | 12.0663% | 1,610 |
| Tier 1 risk-based capital ratio | 21.3830% | 1,286 |
| Total risk-based capital ratio | 22.5692% | 1,264 |
| Memoranda: | ||
| Average total assets | $507,275,330 | 1,337 |
| Average earning assets | $473,554,330 | 1,315 |
| Average equity | $60,769,670 | 1,096 |
| Average total loans | $351,553,670 | 1,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 5,275 |
| Cost of funding earning assets | 1.4359% | 3,955 |
| Net interest margin | 3.5026% | 5,146 |
| Noninterest income to average assets | 0.3411% | 5,414 |
| Noninterest expense to average assets | 2.5669% | 5,489 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7321% | 3,294 |
| Return on assets (ROA) | 0.7337% | 3,394 |
| Pretax return on assets | 1.0551% | 2,891 |
| Return on Equity (ROE) | 6.1553% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.1553% | 2,547 |
| Net charge-offs to loans | -0.0023% | 6,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9162% | 4,130 |
| Assets per employee ($millions) | 5.0511% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 6,602 |
| Loan loss allowance to noncurrent loans | 122.9265% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,884 |
| Noncurrent loans to loans | 0.7885% | 5,741 |
| Net loans and leases to total assets | 68.6505% | 3,242 |
| Net loans and leases to deposits | 85.0482% | 2,751 |
| Net loans and leases to core deposits | 87.5043% | 3,680 |
| Total domestic deposits to total assets | 80.7195% | 5,554 |
| Equity capital to assets | 12.0542% | 2,015 |
| Core capital (leverage) ratio | 12.1132% | 1,592 |
| Tier 1 risk-based capital ratio | 21.3908% | 1,287 |
| Total risk-based capital ratio | 22.6068% | 1,265 |
| Memoranda: | ||
| Average total assets | $505,358,000 | 1,378 |
| Average earning assets | $473,015,000 | 1,346 |
| Average equity | $60,240,500 | 1,107 |
| Average total loans | $351,870,500 | 1,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 5,737 |
| Cost of funding earning assets | 1.8937% | 3,496 |
| Net interest margin | 3.2874% | 5,790 |
| Noninterest income to average assets | 0.3480% | 5,607 |
| Noninterest expense to average assets | 2.7181% | 5,307 |
| Loan and lease loss provision to assets | 0.0512% | 7,055 |
| Net operating income to assets | 0.4860% | 3,789 |
| Return on assets (ROA) | 0.4736% | 3,947 |
| Pretax return on assets | 0.6511% | 3,738 |
| Return on Equity (ROE) | 4.0601% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.0601% | 2,379 |
| Net charge-offs to loans | 0.0011% | 7,239 |
| Credit loss provision to net charge-offs | 6,325.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 888.2500% | 26 |
| Efficiency ratio | 79.0729% | 3,028 |
| Assets per employee ($millions) | 4.9569% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,583 |
| Loan loss allowance to noncurrent loans | 204.2143% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,238 |
| Noncurrent loans to loans | 0.4698% | 6,317 |
| Net loans and leases to total assets | 69.2623% | 3,424 |
| Net loans and leases to deposits | 85.2792% | 3,032 |
| Net loans and leases to core deposits | 98.7346% | 4,146 |
| Total domestic deposits to total assets | 81.2183% | 5,260 |
| Equity capital to assets | 11.7867% | 2,147 |
| Core capital (leverage) ratio | 11.8662% | 1,727 |
| Tier 1 risk-based capital ratio | 21.3587% | 1,242 |
| Total risk-based capital ratio | 22.5663% | 1,219 |
| Memoranda: | ||
| Average total assets | $493,918,200 | 1,401 |
| Average earning assets | $464,165,000 | 1,356 |
| Average equity | $57,610,000 | 1,149 |
| Average total loans | $356,481,000 | 1,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 5,844 |
| Cost of funding earning assets | 1.9683% | 3,527 |
| Net interest margin | 3.2396% | 5,880 |
| Noninterest income to average assets | 0.3305% | 5,846 |
| Noninterest expense to average assets | 2.7190% | 5,249 |
| Loan and lease loss provision to assets | 0.0415% | 6,952 |
| Net operating income to assets | 0.4016% | 4,396 |
| Return on assets (ROA) | 0.4057% | 4,481 |
| Pretax return on assets | 0.6221% | 4,120 |
| Return on Equity (ROE) | 3.4877% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.4877% | 3,339 |
| Net charge-offs to loans | 0.0004% | 6,985 |
| Credit loss provision to net charge-offs | 15,300.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 2,427.0075% | 6 |
| Efficiency ratio | 80.5292% | 2,769 |
| Assets per employee ($millions) | 4.8081% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 6,738 |
| Loan loss allowance to noncurrent loans | 375.7127% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 6,593 |
| Noncurrent loans to loans | 0.2409% | 6,900 |
| Net loans and leases to total assets | 72.1400% | 3,002 |
| Net loans and leases to deposits | 89.0550% | 2,773 |
| Net loans and leases to core deposits | 103.7777% | 3,966 |
| Total domestic deposits to total assets | 81.0061% | 5,079 |
| Equity capital to assets | 11.7213% | 2,415 |
| Core capital (leverage) ratio | 11.7647% | 1,924 |
| Tier 1 risk-based capital ratio | 20.8244% | 1,391 |
| Total risk-based capital ratio | 21.9949% | 1,371 |
| Memoranda: | ||
| Average total assets | $490,996,750 | 1,421 |
| Average earning assets | $461,646,250 | 1,380 |
| Average equity | $57,114,000 | 1,173 |
| Average total loans | $357,205,000 | 1,368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 5,887 |
| Cost of funding earning assets | 2.0021% | 3,769 |
| Net interest margin | 3.2446% | 5,754 |
| Noninterest income to average assets | 0.3410% | 5,780 |
| Noninterest expense to average assets | 2.7013% | 5,383 |
| Loan and lease loss provision to assets | 0.0320% | 6,923 |
| Net operating income to assets | 0.4230% | 4,411 |
| Return on assets (ROA) | 0.4291% | 4,496 |
| Pretax return on assets | 0.6652% | 4,117 |
| Return on Equity (ROE) | 3.6987% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.6987% | 3,238 |
| Net charge-offs to loans | 0.0006% | 6,624 |
| Credit loss provision to net charge-offs | 7,800.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,678.0000% | 14 |
| Efficiency ratio | 79.7073% | 3,096 |
| Assets per employee ($millions) | 4.7230% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 6,785 |
| Loan loss allowance to noncurrent loans | 533.9967% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 6,800 |
| Noncurrent loans to loans | 0.1679% | 7,104 |
| Net loans and leases to total assets | 71.0984% | 3,445 |
| Net loans and leases to deposits | 86.6605% | 3,430 |
| Net loans and leases to core deposits | 101.2842% | 4,370 |
| Total domestic deposits to total assets | 82.0424% | 4,682 |
| Equity capital to assets | 11.4556% | 2,570 |
| Core capital (leverage) ratio | 11.6886% | 1,986 |
| Tier 1 risk-based capital ratio | 20.6919% | 1,448 |
| Total risk-based capital ratio | 21.8473% | 1,424 |
| Memoranda: | ||
| Average total assets | $487,982,670 | 1,451 |
| Average earning assets | $458,416,330 | 1,408 |
| Average equity | $56,615,000 | 1,191 |
| Average total loans | $354,932,330 | 1,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 5,660 |
| Cost of funding earning assets | 2.0898% | 3,695 |
| Net interest margin | 3.2597% | 5,661 |
| Noninterest income to average assets | 0.2981% | 6,048 |
| Noninterest expense to average assets | 2.6749% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4410% | 4,689 |
| Return on assets (ROA) | 0.4410% | 4,860 |
| Pretax return on assets | 0.6868% | 4,476 |
| Return on Equity (ROE) | 3.7762% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.7762% | 3,791 |
| Net charge-offs to loans | 0.0011% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 827.0000% | 19 |
| Efficiency ratio | 79.5702% | 2,896 |
| Assets per employee ($millions) | 4.8537% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,794 |
| Loan loss allowance to noncurrent loans | 519.3388% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 6,692 |
| Noncurrent loans to loans | 0.1715% | 7,034 |
| Net loans and leases to total assets | 71.3166% | 3,402 |
| Net loans and leases to deposits | 87.4388% | 3,395 |
| Net loans and leases to core deposits | 102.1654% | 4,329 |
| Total domestic deposits to total assets | 81.5618% | 4,724 |
| Equity capital to assets | 11.4850% | 2,597 |
| Core capital (leverage) ratio | 11.6944% | 2,047 |
| Tier 1 risk-based capital ratio | 20.7188% | 1,490 |
| Total risk-based capital ratio | 21.8762% | 1,475 |
| Memoranda: | ||
| Average total assets | $481,656,000 | 1,475 |
| Average earning assets | $452,682,500 | 1,427 |
| Average equity | $56,247,000 | 1,205 |
| Average total loans | $352,816,500 | 1,430 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5817% | 7,130 |
| Cost of funding earning assets | 2.4701% | 4,366 |
| Net interest margin | 3.1116% | 6,617 |
| Noninterest income to average assets | 0.5190% | 4,475 |
| Noninterest expense to average assets | 2.5584% | 5,798 |
| Loan and lease loss provision to assets | 0.0110% | 7,231 |
| Net operating income to assets | 0.8857% | 3,060 |
| Return on assets (ROA) | 0.3399% | 5,216 |
| Pretax return on assets | 0.3175% | 5,472 |
| Return on Equity (ROE) | 2.7028% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.7028% | 3,498 |
| Net charge-offs to loans | 0.0021% | 6,997 |
| Credit loss provision to net charge-offs | 714.2857% | 587 |
| Earnings coverage of net charge-offs (x) | 568.8571% | 101 |
| Efficiency ratio | 74.5315% | 3,487 |
| Assets per employee ($millions) | 4.5490% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,729 |
| Loan loss allowance to noncurrent loans | 264.3398% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 6,569 |
| Noncurrent loans to loans | 0.3369% | 6,367 |
| Net loans and leases to total assets | 73.9264% | 3,119 |
| Net loans and leases to deposits | 90.8422% | 3,310 |
| Net loans and leases to core deposits | 105.7501% | 4,219 |
| Total domestic deposits to total assets | 81.3788% | 4,473 |
| Equity capital to assets | 11.8776% | 2,369 |
| Core capital (leverage) ratio | 12.0522% | 1,941 |
| Tier 1 risk-based capital ratio | 20.1614% | 1,590 |
| Total risk-based capital ratio | 21.2874% | 1,577 |
| Memoranda: | ||
| Average total assets | $455,479,000 | 1,505 |
| Average earning assets | $426,499,600 | 1,465 |
| Average equity | $57,273,600 | 1,170 |
| Average total loans | $337,180,800 | 1,438 |