Home > Vidalia Federal Savings Bank > Performance and Condition Ratios
Vidalia Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8550% | 4,542 |
| Cost of funding earning assets | 1.3805% | 2,281 |
| Net interest margin | 1.4745% | 4,510 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2243% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.3783% | 4,498 |
| Return on assets (ROA) | -0.3783% | 4,483 |
| Pretax return on assets | -0.5021% | 4,484 |
| Return on Equity (ROE) | -2.7500% | 4,437 |
| Retained earnings to average equity (ytd only) | -2.7517% | 4,314 |
| Net charge-offs to loans | 0.0443% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -29.8611% | 4,574 |
| Efficiency ratio | 129.1565% | 64 |
| Assets per employee ($millions) | 7.5897% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,320 |
| Loan loss allowance to noncurrent loans | 318.0812% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,684 |
| Noncurrent loans to loans | 0.3138% | 2,066 |
| Net loans and leases to total assets | 40.2400% | 4,032 |
| Net loans and leases to deposits | 51.4963% | 3,895 |
| Net loans and leases to core deposits | 59.0607% | 3,798 |
| Total domestic deposits to total assets | 78.1300% | 3,710 |
| Equity capital to assets | 13.6572% | 740 |
| Core capital (leverage) ratio | 13.8833% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,092,200 | 2,882 |
| Average earning assets | $200,002,400 | 2,872 |
| Average equity | $29,436,600 | 2,291 |
| Average total loans | $81,334,600 | 3,390 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7996% | 4,561 |
| Cost of funding earning assets | 1.2497% | 2,281 |
| Net interest margin | 1.5500% | 4,519 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2204% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.4190% | 4,528 |
| Return on assets (ROA) | -0.4190% | 4,512 |
| Pretax return on assets | -0.4190% | 4,505 |
| Return on Equity (ROE) | -3.0400% | 4,471 |
| Retained earnings to average equity (ytd only) | -3.0421% | 4,364 |
| Net charge-offs to loans | 0.0599% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -18.7222% | 4,607 |
| Efficiency ratio | 123.2574% | 68 |
| Assets per employee ($millions) | 8.0184% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,258 |
| Loan loss allowance to noncurrent loans | 139.0323% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,856 |
| Noncurrent loans to loans | 0.7332% | 1,126 |
| Net loans and leases to total assets | 38.6600% | 4,107 |
| Net loans and leases to deposits | 49.0273% | 3,973 |
| Net loans and leases to core deposits | 55.2760% | 3,890 |
| Total domestic deposits to total assets | 78.8500% | 3,721 |
| Equity capital to assets | 13.3890% | 742 |
| Core capital (leverage) ratio | 14.1634% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $214,487,500 | 2,888 |
| Average earning assets | $200,687,000 | 2,871 |
| Average equity | $29,540,000 | 2,269 |
| Average total loans | $80,076,750 | 3,411 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6995% | 4,599 |
| Cost of funding earning assets | 1.0558% | 2,433 |
| Net interest margin | 1.6437% | 4,563 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.2253% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.3283% | 4,548 |
| Return on assets (ROA) | -0.3283% | 4,539 |
| Pretax return on assets | -0.3283% | 4,533 |
| Return on Equity (ROE) | -2.3600% | 4,502 |
| Retained earnings to average equity (ytd only) | -2.3617% | 4,311 |
| Net charge-offs to loans | 0.0407% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -21.9375% | 4,644 |
| Efficiency ratio | 117.3077% | 76 |
| Assets per employee ($millions) | 7.9788% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 2,999 |
| Loan loss allowance to noncurrent loans | 114.2487% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 1,529 |
| Noncurrent loans to loans | 0.9535% | 797 |
| Net loans and leases to total assets | 35.8400% | 4,178 |
| Net loans and leases to deposits | 45.1213% | 4,068 |
| Net loans and leases to core deposits | 50.4235% | 4,006 |
| Total domestic deposits to total assets | 79.4400% | 3,660 |
| Equity capital to assets | 13.1254% | 784 |
| Core capital (leverage) ratio | 14.3783% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $213,817,333 | 2,900 |
| Average earning assets | $200,039,333 | 2,885 |
| Average equity | $29,724,333 | 2,272 |
| Average total loans | $78,583,667 | 3,436 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6886% | 4,621 |
| Cost of funding earning assets | 0.8477% | 2,546 |
| Net interest margin | 1.8408% | 4,598 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.2734% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1875% | 4,547 |
| Return on assets (ROA) | -0.1875% | 4,534 |
| Pretax return on assets | -0.1875% | 4,521 |
| Return on Equity (ROE) | -1.3100% | 4,493 |
| Retained earnings to average equity (ytd only) | -1.3099% | 4,155 |
| Net charge-offs to loans | 0.0827% | 662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -6.1250% | 4,659 |
| Efficiency ratio | 108.9908% | 105 |
| Assets per employee ($millions) | 7.3340% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,899 |
| Loan loss allowance to noncurrent loans | 136.5325% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 1,595 |
| Noncurrent loans to loans | 0.8285% | 923 |
| Net loans and leases to total assets | 37.5400% | 4,134 |
| Net loans and leases to deposits | 44.1641% | 4,094 |
| Net loans and leases to core deposits | 49.1395% | 4,015 |
| Total domestic deposits to total assets | 85.0000% | 2,862 |
| Equity capital to assets | 14.4445% | 538 |
| Core capital (leverage) ratio | 14.6535% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $209,022,500 | 2,978 |
| Average earning assets | $195,345,500 | 2,959 |
| Average equity | $29,925,000 | 2,298 |
| Average total loans | $77,395,000 | 3,493 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3118% | 4,563 |
| Cost of funding earning assets | 0.5664% | 1,036 |
| Net interest margin | 1.7454% | 4,605 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.1024% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.0928% | 4,591 |
| Return on assets (ROA) | -0.0928% | 4,580 |
| Pretax return on assets | -0.1392% | 4,578 |
| Return on Equity (ROE) | -0.6700% | 4,564 |
| Retained earnings to average equity (ytd only) | -0.6654% | 4,416 |
| Net charge-offs to loans | 0.0189% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -23.3077% | 4,706 |
| Efficiency ratio | 107.0894% | 102 |
| Assets per employee ($millions) | 7.3342% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 4,327 |
| Loan loss allowance to noncurrent loans | 62.4170% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,449 |
| Noncurrent loans to loans | 0.9803% | 749 |
| Net loans and leases to total assets | 35.9000% | 4,221 |
| Net loans and leases to deposits | 42.0772% | 4,172 |
| Net loans and leases to core deposits | 47.3887% | 4,078 |
| Total domestic deposits to total assets | 85.3100% | 2,909 |
| Equity capital to assets | 14.1932% | 558 |
| Core capital (leverage) ratio | 14.4836% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,700,800 | 2,919 |
| Average earning assets | $204,080,600 | 2,903 |
| Average equity | $30,356,200 | 2,319 |
| Average total loans | $68,957,600 | 3,595 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2212% | 4,563 |
| Cost of funding earning assets | 0.5480% | 582 |
| Net interest margin | 1.6732% | 4,621 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.0698% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1498% | 4,636 |
| Return on assets (ROA) | -0.1498% | 4,615 |
| Pretax return on assets | -0.1711% | 4,612 |
| Return on Equity (ROE) | -1.0800% | 4,591 |
| Retained earnings to average equity (ytd only) | -1.0790% | 4,426 |
| Net charge-offs to loans | 0.0259% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -21.6154% | 4,746 |
| Efficiency ratio | 109.0122% | 99 |
| Assets per employee ($millions) | 8.0909% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 4,347 |
| Loan loss allowance to noncurrent loans | 84.6847% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 1,949 |
| Noncurrent loans to loans | 0.7550% | 1,074 |
| Net loans and leases to total assets | 33.4400% | 4,323 |
| Net loans and leases to deposits | 38.9893% | 4,275 |
| Net loans and leases to core deposits | 44.2858% | 4,169 |
| Total domestic deposits to total assets | 85.7600% | 3,123 |
| Equity capital to assets | 13.7467% | 588 |
| Core capital (leverage) ratio | 14.1525% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,952,750 | 2,930 |
| Average earning assets | $205,592,750 | 2,912 |
| Average equity | $30,398,250 | 2,349 |
| Average total loans | $66,992,750 | 3,646 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0848% | 4,602 |
| Cost of funding earning assets | 0.5504% | 391 |
| Net interest margin | 1.5344% | 4,681 |
| Noninterest income to average assets | 0.3332% | 3,162 |
| Noninterest expense to average assets | 2.0272% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2218% | 4,642 |
| Return on assets (ROA) | -0.2218% | 4,616 |
| Pretax return on assets | -0.2537% | 4,609 |
| Return on Equity (ROE) | -1.5923% | 4,601 |
| Retained earnings to average equity (ytd only) | -1.5923% | 4,351 |
| Net charge-offs to loans | 0.0247% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -34.7500% | 2,141 |
| Efficiency ratio | 114.3078% | 99 |
| Assets per employee ($millions) | 8.1974% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 4,357 |
| Loan loss allowance to noncurrent loans | 82.4653% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 2,007 |
| Noncurrent loans to loans | 0.8281% | 1,033 |
| Net loans and leases to total assets | 31.2136% | 4,419 |
| Net loans and leases to deposits | 36.3116% | 4,379 |
| Net loans and leases to core deposits | 41.5972% | 4,277 |
| Total domestic deposits to total assets | 85.9603% | 3,255 |
| Equity capital to assets | 13.6068% | 569 |
| Core capital (leverage) ratio | 14.0623% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,119,333 | 2,956 |
| Average earning assets | $205,682,000 | 2,951 |
| Average equity | $30,521,000 | 2,391 |
| Average total loans | $64,820,000 | 3,712 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0793% | 4,590 |
| Cost of funding earning assets | 0.5570% | 353 |
| Net interest margin | 1.5224% | 4,692 |
| Noninterest income to average assets | 0.3358% | 3,086 |
| Noninterest expense to average assets | 2.0072% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2422% | 4,653 |
| Return on assets (ROA) | -0.2422% | 4,637 |
| Pretax return on assets | -0.2422% | 4,623 |
| Return on Equity (ROE) | -1.7186% | 4,626 |
| Retained earnings to average equity (ytd only) | -1.7186% | 4,222 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7214% | 108 |
| Assets per employee ($millions) | 8.1836% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,297 |
| Loan loss allowance to noncurrent loans | 83.4197% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,099 |
| Noncurrent loans to loans | 0.9148% | 1,000 |
| Net loans and leases to total assets | 28.4262% | 4,497 |
| Net loans and leases to deposits | 33.1091% | 4,461 |
| Net loans and leases to core deposits | 37.8981% | 4,374 |
| Total domestic deposits to total assets | 85.8561% | 3,306 |
| Equity capital to assets | 13.8031% | 555 |
| Core capital (leverage) ratio | 14.2501% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,014,000 | 2,978 |
| Average earning assets | $204,681,500 | 2,971 |
| Average equity | $30,723,500 | 2,446 |
| Average total loans | $62,450,000 | 3,753 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0987% | 4,658 |
| Cost of funding earning assets | 0.6193% | 500 |
| Net interest margin | 1.4794% | 4,725 |
| Noninterest income to average assets | 0.3072% | 3,567 |
| Noninterest expense to average assets | 2.1404% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3500% | 4,743 |
| Return on assets (ROA) | -0.3500% | 4,748 |
| Pretax return on assets | -0.4431% | 4,759 |
| Return on Equity (ROE) | -2.3728% | 4,742 |
| Retained earnings to average equity (ytd only) | -2.3728% | 4,638 |
| Net charge-offs to loans | 0.0597% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -26.1667% | 2,688 |
| Efficiency ratio | 126.1086% | 58 |
| Assets per employee ($millions) | 7.1690% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 4,291 |
| Loan loss allowance to noncurrent loans | 51.4377% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 1,505 |
| Noncurrent loans to loans | 1.5242% | 590 |
| Net loans and leases to total assets | 28.4205% | 4,559 |
| Net loans and leases to deposits | 33.3108% | 4,545 |
| Net loans and leases to core deposits | 38.4486% | 4,444 |
| Total domestic deposits to total assets | 85.3192% | 3,164 |
| Equity capital to assets | 14.3897% | 602 |
| Core capital (leverage) ratio | 14.4863% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,578,400 | 2,964 |
| Average earning assets | $199,744,800 | 2,957 |
| Average equity | $31,355,800 | 2,449 |
| Average total loans | $60,307,000 | 3,811 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1165% | 4,740 |
| Cost of funding earning assets | 0.6301% | 538 |
| Net interest margin | 1.4864% | 4,806 |
| Noninterest income to average assets | 0.2995% | 3,643 |
| Noninterest expense to average assets | 2.1133% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.3259% | 4,808 |
| Return on assets (ROA) | -0.3259% | 4,819 |
| Pretax return on assets | -0.4171% | 4,826 |
| Return on Equity (ROE) | -2.1980% | 4,808 |
| Retained earnings to average equity (ytd only) | -2.1980% | 4,709 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5920% | 65 |
| Assets per employee ($millions) | 7.3411% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,248 |
| Loan loss allowance to noncurrent loans | 61.9332% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,872 |
| Noncurrent loans to loans | 1.3885% | 769 |
| Net loans and leases to total assets | 28.1061% | 4,644 |
| Net loans and leases to deposits | 33.0913% | 4,648 |
| Net loans and leases to core deposits | 37.9136% | 4,573 |
| Total domestic deposits to total assets | 84.9352% | 3,136 |
| Equity capital to assets | 14.6289% | 610 |
| Core capital (leverage) ratio | 14.5213% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,919,250 | 2,997 |
| Average earning assets | $199,130,250 | 2,994 |
| Average equity | $31,421,500 | 2,479 |
| Average total loans | $59,982,000 | 3,869 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1414% | 4,780 |
| Cost of funding earning assets | 0.6426% | 597 |
| Net interest margin | 1.4988% | 4,845 |
| Noninterest income to average assets | 0.2855% | 3,715 |
| Noninterest expense to average assets | 2.1570% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3280% | 4,844 |
| Return on assets (ROA) | -0.3280% | 4,850 |
| Pretax return on assets | -0.4650% | 4,863 |
| Return on Equity (ROE) | -2.2022% | 4,844 |
| Retained earnings to average equity (ytd only) | -2.2022% | 4,677 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.4860% | 62 |
| Assets per employee ($millions) | 7.6647% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 4,221 |
| Loan loss allowance to noncurrent loans | 60.0000% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 1,995 |
| Noncurrent loans to loans | 1.4567% | 789 |
| Net loans and leases to total assets | 27.4278% | 4,717 |
| Net loans and leases to deposits | 32.2581% | 4,720 |
| Net loans and leases to core deposits | 36.9731% | 4,652 |
| Total domestic deposits to total assets | 85.0259% | 3,082 |
| Equity capital to assets | 14.5915% | 602 |
| Core capital (leverage) ratio | 14.5437% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,594,667 | 3,000 |
| Average earning assets | $198,563,333 | 2,993 |
| Average equity | $31,514,000 | 2,475 |
| Average total loans | $59,857,667 | 3,902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1346% | 4,809 |
| Cost of funding earning assets | 0.6601% | 649 |
| Net interest margin | 1.4745% | 4,877 |
| Noninterest income to average assets | 0.2608% | 3,835 |
| Noninterest expense to average assets | 2.1039% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1847% | 4,833 |
| Return on assets (ROA) | -0.1847% | 4,837 |
| Pretax return on assets | -0.4608% | 4,885 |
| Return on Equity (ROE) | -1.2273% | 4,833 |
| Retained earnings to average equity (ytd only) | -1.2273% | 4,486 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0417% | 60 |
| Assets per employee ($millions) | 7.6564% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,245 |
| Loan loss allowance to noncurrent loans | 49.9038% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 1,937 |
| Noncurrent loans to loans | 1.7429% | 684 |
| Net loans and leases to total assets | 27.5919% | 4,758 |
| Net loans and leases to deposits | 32.4929% | 4,759 |
| Net loans and leases to core deposits | 37.2788% | 4,681 |
| Total domestic deposits to total assets | 84.9168% | 3,133 |
| Equity capital to assets | 14.7240% | 541 |
| Core capital (leverage) ratio | 15.0679% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,086,500 | 3,006 |
| Average earning assets | $196,950,000 | 2,999 |
| Average equity | $31,613,500 | 2,457 |
| Average total loans | $60,095,500 | 3,915 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6668% | 4,802 |
| Cost of funding earning assets | 0.8520% | 1,013 |
| Net interest margin | 1.8148% | 4,881 |
| Noninterest income to average assets | 0.2715% | 3,851 |
| Noninterest expense to average assets | 2.2390% | 3,566 |
| Loan and lease loss provision to assets | 0.0247% | 4,089 |
| Net operating income to assets | -0.2838% | 4,833 |
| Return on assets (ROA) | -0.2838% | 4,849 |
| Pretax return on assets | -0.2838% | 4,841 |
| Return on Equity (ROE) | -1.7923% | 4,841 |
| Retained earnings to average equity (ytd only) | -1.7923% | 4,693 |
| Net charge-offs to loans | 0.2016% | 855 |
| Credit loss provision to net charge-offs | 40.6504% | 3,185 |
| Earnings coverage of net charge-offs (x) | -4.2602% | 3,376 |
| Efficiency ratio | 113.0869% | 107 |
| Assets per employee ($millions) | 7.3498% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,300 |
| Loan loss allowance to noncurrent loans | 49.6657% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,035 |
| Noncurrent loans to loans | 1.7300% | 731 |
| Net loans and leases to total assets | 29.1557% | 4,770 |
| Net loans and leases to deposits | 34.5741% | 4,769 |
| Net loans and leases to core deposits | 40.0052% | 4,696 |
| Total domestic deposits to total assets | 84.3281% | 3,006 |
| Equity capital to assets | 15.3852% | 503 |
| Core capital (leverage) ratio | 15.4375% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,230,400 | 2,922 |
| Average earning assets | $190,378,400 | 2,905 |
| Average equity | $32,025,800 | 2,388 |
| Average total loans | $61,013,800 | 3,899 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7591% | 4,850 |
| Cost of funding earning assets | 0.8780% | 1,143 |
| Net interest margin | 1.8811% | 4,919 |
| Noninterest income to average assets | 0.2682% | 3,862 |
| Noninterest expense to average assets | 2.2416% | 3,571 |
| Loan and lease loss provision to assets | 0.0164% | 4,122 |
| Net operating income to assets | -0.2165% | 4,842 |
| Return on assets (ROA) | -0.2165% | 4,851 |
| Pretax return on assets | -0.2165% | 4,841 |
| Return on Equity (ROE) | -1.3575% | 4,844 |
| Retained earnings to average equity (ytd only) | -1.3575% | 4,647 |
| Net charge-offs to loans | 0.2901% | 546 |
| Credit loss provision to net charge-offs | 18.7970% | 2,979 |
| Earnings coverage of net charge-offs (x) | -2.2707% | 3,170 |
| Efficiency ratio | 109.7957% | 115 |
| Assets per employee ($millions) | 6.9900% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,414 |
| Loan loss allowance to noncurrent loans | 41.9048% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 2,015 |
| Noncurrent loans to loans | 1.8579% | 696 |
| Net loans and leases to total assets | 30.4290% | 4,809 |
| Net loans and leases to deposits | 36.3001% | 4,821 |
| Net loans and leases to core deposits | 41.8584% | 4,750 |
| Total domestic deposits to total assets | 83.8262% | 2,882 |
| Equity capital to assets | 15.7411% | 503 |
| Core capital (leverage) ratio | 15.6356% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,339,250 | 2,909 |
| Average earning assets | $189,816,750 | 2,897 |
| Average equity | $32,116,750 | 2,368 |
| Average total loans | $61,137,000 | 3,914 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8659% | 4,889 |
| Cost of funding earning assets | 0.9172% | 1,289 |
| Net interest margin | 1.9487% | 4,960 |
| Noninterest income to average assets | 0.2569% | 3,934 |
| Noninterest expense to average assets | 2.2421% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1513% | 4,849 |
| Return on assets (ROA) | -0.1513% | 4,850 |
| Pretax return on assets | -0.1513% | 4,836 |
| Return on Equity (ROE) | -0.9445% | 4,842 |
| Retained earnings to average equity (ytd only) | -0.9445% | 4,471 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2381% | 128 |
| Assets per employee ($millions) | 6.7968% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,680 |
| Loan loss allowance to noncurrent loans | 43.1802% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,825 |
| Noncurrent loans to loans | 2.2625% | 547 |
| Net loans and leases to total assets | 29.4274% | 4,869 |
| Net loans and leases to deposits | 35.0837% | 4,875 |
| Net loans and leases to core deposits | 40.3956% | 4,821 |
| Total domestic deposits to total assets | 83.8778% | 2,788 |
| Equity capital to assets | 15.7412% | 503 |
| Core capital (leverage) ratio | 15.9259% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,882,000 | 2,894 |
| Average earning assets | $189,051,667 | 2,878 |
| Average equity | $32,186,000 | 2,351 |
| Average total loans | $60,793,667 | 3,928 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 4,966 |
| Cost of funding earning assets | 0.9382% | 1,703 |
| Net interest margin | 2.0192% | 5,006 |
| Noninterest income to average assets | 0.2829% | 3,831 |
| Noninterest expense to average assets | 2.2372% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0542% | 4,777 |
| Return on assets (ROA) | -0.0542% | 4,765 |
| Pretax return on assets | -0.0542% | 4,757 |
| Return on Equity (ROE) | -0.3351% | 4,762 |
| Retained earnings to average equity (ytd only) | -0.3351% | 4,043 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4816% | 210 |
| Assets per employee ($millions) | 6.6584% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,818 |
| Loan loss allowance to noncurrent loans | 43.4655% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 1,524 |
| Noncurrent loans to loans | 2.2497% | 576 |
| Net loans and leases to total assets | 30.0116% | 4,909 |
| Net loans and leases to deposits | 35.9019% | 4,910 |
| Net loans and leases to core deposits | 41.4161% | 4,853 |
| Total domestic deposits to total assets | 83.5932% | 2,921 |
| Equity capital to assets | 16.1284% | 563 |
| Core capital (leverage) ratio | 16.2052% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,360,000 | 2,877 |
| Average earning assets | $187,602,500 | 2,851 |
| Average equity | $32,230,500 | 2,343 |
| Average total loans | $60,892,500 | 3,941 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2371% | 4,985 |
| Cost of funding earning assets | 0.9045% | 2,168 |
| Net interest margin | 2.3325% | 5,029 |
| Noninterest income to average assets | 0.3026% | 3,878 |
| Noninterest expense to average assets | 2.3157% | 3,910 |
| Loan and lease loss provision to assets | 0.0181% | 3,649 |
| Net operating income to assets | 0.1464% | 4,892 |
| Return on assets (ROA) | 0.1464% | 4,912 |
| Pretax return on assets | 0.1743% | 4,905 |
| Return on Equity (ROE) | 0.9298% | 4,922 |
| Retained earnings to average equity (ytd only) | 0.9298% | 4,406 |
| Net charge-offs to loans | 0.1693% | 1,197 |
| Credit loss provision to net charge-offs | 35.5769% | 3,238 |
| Earnings coverage of net charge-offs (x) | 3.7788% | 3,287 |
| Efficiency ratio | 92.3287% | 282 |
| Assets per employee ($millions) | 6.6322% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,660 |
| Loan loss allowance to noncurrent loans | 48.8066% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 1,517 |
| Noncurrent loans to loans | 1.9839% | 647 |
| Net loans and leases to total assets | 30.4829% | 4,963 |
| Net loans and leases to deposits | 36.5438% | 4,968 |
| Net loans and leases to core deposits | 42.5278% | 4,898 |
| Total domestic deposits to total assets | 83.4148% | 3,058 |
| Equity capital to assets | 16.2057% | 567 |
| Core capital (leverage) ratio | 16.0571% | 513 |
| Tier 1 risk-based capital ratio | 55.3773% | 110 |
| Total risk-based capital ratio | 56.3958% | 109 |
| Memoranda: | ||
| Average total assets | $204,261,000 | 2,808 |
| Average earning assets | $193,138,600 | 2,770 |
| Average equity | $32,157,000 | 2,294 |
| Average total loans | $61,440,200 | 3,956 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,079 |
| Cost of funding earning assets | 0.8906% | 2,274 |
| Net interest margin | 2.3701% | 5,111 |
| Noninterest income to average assets | 0.3003% | 3,941 |
| Noninterest expense to average assets | 2.2699% | 4,030 |
| Loan and lease loss provision to assets | 0.0058% | 3,760 |
| Net operating income to assets | 0.2192% | 4,935 |
| Return on assets (ROA) | 0.2192% | 4,951 |
| Pretax return on assets | 0.2666% | 4,929 |
| Return on Equity (ROE) | 1.4024% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.4024% | 4,460 |
| Net charge-offs to loans | 0.0304% | 2,466 |
| Credit loss provision to net charge-offs | 64.2857% | 2,675 |
| Earnings coverage of net charge-offs (x) | 29.9941% | 1,625 |
| Efficiency ratio | 89.2857% | 351 |
| Assets per employee ($millions) | 6.7189% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,294 |
| Loan loss allowance to noncurrent loans | 63.7780% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 1,819 |
| Noncurrent loans to loans | 1.6441% | 890 |
| Net loans and leases to total assets | 30.6642% | 5,044 |
| Net loans and leases to deposits | 36.6684% | 5,053 |
| Net loans and leases to core deposits | 42.6348% | 4,986 |
| Total domestic deposits to total assets | 83.6258% | 2,962 |
| Equity capital to assets | 16.0160% | 631 |
| Core capital (leverage) ratio | 15.7580% | 590 |
| Tier 1 risk-based capital ratio | 53.7521% | 116 |
| Total risk-based capital ratio | 54.8427% | 114 |
| Memoranda: | ||
| Average total assets | $205,584,500 | 2,814 |
| Average earning assets | $194,477,000 | 2,774 |
| Average equity | $32,135,250 | 2,306 |
| Average total loans | $61,489,250 | 4,000 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2892% | 5,128 |
| Cost of funding earning assets | 0.8581% | 2,362 |
| Net interest margin | 2.4311% | 5,156 |
| Noninterest income to average assets | 0.2996% | 3,937 |
| Noninterest expense to average assets | 2.2298% | 4,170 |
| Loan and lease loss provision to assets | 0.0087% | 3,566 |
| Net operating income to assets | 0.2900% | 4,886 |
| Return on assets (ROA) | 0.2900% | 4,898 |
| Pretax return on assets | 0.3586% | 4,878 |
| Return on Equity (ROE) | 1.8700% | 4,958 |
| Retained earnings to average equity (ytd only) | 1.8700% | 4,155 |
| Net charge-offs to loans | 0.0294% | 2,269 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 42.2222% | 1,208 |
| Efficiency ratio | 85.8578% | 556 |
| Assets per employee ($millions) | 7.0103% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,265 |
| Loan loss allowance to noncurrent loans | 40.2439% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,078 |
| Noncurrent loans to loans | 2.6449% | 422 |
| Net loans and leases to total assets | 30.1751% | 5,095 |
| Net loans and leases to deposits | 36.0143% | 5,108 |
| Net loans and leases to core deposits | 41.4408% | 5,055 |
| Total domestic deposits to total assets | 83.7865% | 2,953 |
| Equity capital to assets | 15.8608% | 635 |
| Core capital (leverage) ratio | 15.6057% | 605 |
| Tier 1 risk-based capital ratio | 51.7145% | 125 |
| Total risk-based capital ratio | 52.7730% | 124 |
| Memoranda: | ||
| Average total assets | $206,923,670 | 2,811 |
| Average earning assets | $195,548,000 | 2,778 |
| Average equity | $32,086,000 | 2,297 |
| Average total loans | $61,164,330 | 4,024 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 5,187 |
| Cost of funding earning assets | 0.8403% | 2,327 |
| Net interest margin | 2.4196% | 5,216 |
| Noninterest income to average assets | 0.2932% | 3,916 |
| Noninterest expense to average assets | 2.2018% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2913% | 4,911 |
| Return on assets (ROA) | 0.2913% | 4,916 |
| Pretax return on assets | 0.3813% | 4,860 |
| Return on Equity (ROE) | 1.8996% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.8996% | 4,091 |
| Net charge-offs to loans | 0.0132% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 667 |
| Efficiency ratio | 85.2374% | 629 |
| Assets per employee ($millions) | 7.1498% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,237 |
| Loan loss allowance to noncurrent loans | 45.0205% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 1,293 |
| Noncurrent loans to loans | 2.3987% | 557 |
| Net loans and leases to total assets | 29.1572% | 5,160 |
| Net loans and leases to deposits | 34.5439% | 5,163 |
| Net loans and leases to core deposits | 39.5914% | 5,117 |
| Total domestic deposits to total assets | 84.4062% | 2,898 |
| Equity capital to assets | 15.4800% | 656 |
| Core capital (leverage) ratio | 15.4252% | 611 |
| Tier 1 risk-based capital ratio | 51.8061% | 122 |
| Total risk-based capital ratio | 52.8714% | 121 |
| Memoranda: | ||
| Average total assets | $208,735,500 | 2,823 |
| Average earning assets | $197,550,500 | 2,789 |
| Average equity | $32,006,500 | 2,296 |
| Average total loans | $60,743,500 | 4,077 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 5,163 |
| Cost of funding earning assets | 0.7894% | 1,580 |
| Net interest margin | 2.3861% | 5,253 |
| Noninterest income to average assets | 0.2471% | 4,440 |
| Noninterest expense to average assets | 1.9933% | 4,764 |
| Loan and lease loss provision to assets | 0.0248% | 3,675 |
| Net operating income to assets | 0.4030% | 4,857 |
| Return on assets (ROA) | 0.4030% | 4,850 |
| Pretax return on assets | 0.4988% | 4,797 |
| Return on Equity (ROE) | 2.7890% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.7890% | 4,002 |
| Net charge-offs to loans | 0.0892% | 1,888 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 21.1481% | 1,959 |
| Efficiency ratio | 79.1985% | 1,024 |
| Assets per employee ($millions) | 7.2457% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,152 |
| Loan loss allowance to noncurrent loans | 32.5123% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 1,266 |
| Noncurrent loans to loans | 3.3625% | 277 |
| Net loans and leases to total assets | 28.4168% | 5,229 |
| Net loans and leases to deposits | 33.5248% | 5,230 |
| Net loans and leases to core deposits | 38.9126% | 5,175 |
| Total domestic deposits to total assets | 84.7634% | 2,745 |
| Equity capital to assets | 15.1890% | 669 |
| Core capital (leverage) ratio | 14.9057% | 714 |
| Tier 1 risk-based capital ratio | 52.3745% | 123 |
| Total risk-based capital ratio | 53.4576% | 125 |
| Memoranda: | ||
| Average total assets | $218,127,600 | 2,709 |
| Average earning assets | $207,491,000 | 2,656 |
| Average equity | $31,516,200 | 2,249 |
| Average total loans | $60,507,400 | 4,079 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1268% | 5,235 |
| Cost of funding earning assets | 0.7763% | 1,442 |
| Net interest margin | 2.3505% | 5,333 |
| Noninterest income to average assets | 0.2495% | 4,484 |
| Noninterest expense to average assets | 1.9043% | 4,892 |
| Loan and lease loss provision to assets | 0.0067% | 3,840 |
| Net operating income to assets | 0.4621% | 4,834 |
| Return on assets (ROA) | 0.4621% | 4,842 |
| Pretax return on assets | 0.5742% | 4,775 |
| Return on Equity (ROE) | 3.2382% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.2382% | 4,121 |
| Net charge-offs to loans | 0.0242% | 2,650 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 87.1595% | 837 |
| Efficiency ratio | 76.6269% | 1,278 |
| Assets per employee ($millions) | 7.4688% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,860 |
| Loan loss allowance to noncurrent loans | 26.9554% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 1,244 |
| Noncurrent loans to loans | 3.6581% | 254 |
| Net loans and leases to total assets | 28.2800% | 5,303 |
| Net loans and leases to deposits | 33.2146% | 5,313 |
| Net loans and leases to core deposits | 38.3231% | 5,263 |
| Total domestic deposits to total assets | 85.1432% | 2,551 |
| Equity capital to assets | 14.6818% | 788 |
| Core capital (leverage) ratio | 14.4514% | 835 |
| Tier 1 risk-based capital ratio | 51.5097% | 124 |
| Total risk-based capital ratio | 52.4977% | 123 |
| Memoranda: | ||
| Average total assets | $220,128,000 | 2,708 |
| Average earning assets | $209,364,250 | 2,658 |
| Average equity | $31,416,250 | 2,259 |
| Average total loans | $60,541,500 | 4,120 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0909% | 5,292 |
| Cost of funding earning assets | 0.7658% | 1,303 |
| Net interest margin | 2.3250% | 5,408 |
| Noninterest income to average assets | 0.2512% | 4,507 |
| Noninterest expense to average assets | 1.9042% | 4,951 |
| Loan and lease loss provision to assets | 0.0099% | 3,652 |
| Net operating income to assets | 0.4473% | 4,863 |
| Return on assets (ROA) | 0.4473% | 4,867 |
| Pretax return on assets | 0.5513% | 4,813 |
| Return on Equity (ROE) | 3.1641% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.1641% | 3,984 |
| Net charge-offs to loans | 0.0366% | 2,121 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 56.4545% | 1,033 |
| Efficiency ratio | 77.2361% | 1,281 |
| Assets per employee ($millions) | 7.3304% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,555 |
| Loan loss allowance to noncurrent loans | 28.1069% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 1,309 |
| Noncurrent loans to loans | 3.7208% | 253 |
| Net loans and leases to total assets | 27.1496% | 5,369 |
| Net loans and leases to deposits | 31.7387% | 5,377 |
| Net loans and leases to core deposits | 36.5394% | 5,340 |
| Total domestic deposits to total assets | 85.5410% | 2,481 |
| Equity capital to assets | 14.3385% | 850 |
| Core capital (leverage) ratio | 14.2483% | 836 |
| Tier 1 risk-based capital ratio | 51.7809% | 122 |
| Total risk-based capital ratio | 52.8171% | 122 |
| Memoranda: | ||
| Average total assets | $221,305,670 | 2,721 |
| Average earning assets | $210,749,000 | 2,661 |
| Average equity | $31,288,330 | 2,271 |
| Average total loans | $60,101,000 | 4,163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0432% | 5,349 |
| Cost of funding earning assets | 0.7584% | 1,144 |
| Net interest margin | 2.2848% | 5,479 |
| Noninterest income to average assets | 0.2378% | 4,580 |
| Noninterest expense to average assets | 1.8630% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4468% | 4,821 |
| Return on assets (ROA) | 0.4468% | 4,821 |
| Pretax return on assets | 0.5513% | 4,788 |
| Return on Equity (ROE) | 3.1829% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.1829% | 3,932 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1642% | 1,437 |
| Assets per employee ($millions) | 7.4154% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,638 |
| Loan loss allowance to noncurrent loans | 32.5930% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 1,543 |
| Noncurrent loans to loans | 3.2330% | 344 |
| Net loans and leases to total assets | 26.6345% | 5,432 |
| Net loans and leases to deposits | 31.0332% | 5,435 |
| Net loans and leases to core deposits | 35.6895% | 5,399 |
| Total domestic deposits to total assets | 85.8260% | 2,621 |
| Equity capital to assets | 14.0630% | 878 |
| Core capital (leverage) ratio | 14.2321% | 823 |
| Tier 1 risk-based capital ratio | 51.4158% | 123 |
| Total risk-based capital ratio | 52.4529% | 122 |
| Memoranda: | ||
| Average total assets | $222,003,000 | 2,738 |
| Average earning assets | $211,488,500 | 2,676 |
| Average equity | $31,166,500 | 2,293 |
| Average total loans | $59,983,500 | 4,198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 5,362 |
| Cost of funding earning assets | 0.7837% | 681 |
| Net interest margin | 2.2080% | 5,533 |
| Noninterest income to average assets | 0.4607% | 3,241 |
| Noninterest expense to average assets | 1.7528% | 5,280 |
| Loan and lease loss provision to assets | 0.0247% | 3,803 |
| Net operating income to assets | 0.6123% | 3,957 |
| Return on assets (ROA) | 0.6123% | 3,999 |
| Pretax return on assets | 0.7847% | 4,293 |
| Return on Equity (ROE) | 4.5808% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.5808% | 2,405 |
| Net charge-offs to loans | 0.0486% | 2,815 |
| Credit loss provision to net charge-offs | 186.6667% | 1,459 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 944 |
| Efficiency ratio | 68.4102% | 2,817 |
| Assets per employee ($millions) | 7.6394% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,621 |
| Loan loss allowance to noncurrent loans | 29.6802% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 1,498 |
| Noncurrent loans to loans | 3.5384% | 283 |
| Net loans and leases to total assets | 26.8359% | 5,492 |
| Net loans and leases to deposits | 31.2192% | 5,500 |
| Net loans and leases to core deposits | 35.6850% | 5,465 |
| Total domestic deposits to total assets | 85.9594% | 2,456 |
| Equity capital to assets | 14.0144% | 906 |
| Core capital (leverage) ratio | 13.6297% | 930 |
| Tier 1 risk-based capital ratio | 51.7579% | 115 |
| Total risk-based capital ratio | 52.8098% | 115 |
| Memoranda: | ||
| Average total assets | $226,836,800 | 2,664 |
| Average earning assets | $215,894,800 | 2,618 |
| Average equity | $30,322,200 | 2,336 |
| Average total loans | $61,737,200 | 4,160 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9893% | 5,417 |
| Cost of funding earning assets | 0.7822% | 640 |
| Net interest margin | 2.2071% | 5,600 |
| Noninterest income to average assets | 0.5324% | 2,825 |
| Noninterest expense to average assets | 1.7473% | 5,327 |
| Loan and lease loss provision to assets | 0.0029% | 4,050 |
| Net operating income to assets | 0.7012% | 3,972 |
| Return on assets (ROA) | 0.7012% | 4,035 |
| Pretax return on assets | 0.8812% | 4,099 |
| Return on Equity (ROE) | 5.3083% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.3083% | 2,674 |
| Net charge-offs to loans | 0.0107% | 3,341 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 302.4408% | 305 |
| Efficiency ratio | 66.4002% | 3,145 |
| Assets per employee ($millions) | 8.3771% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 4,135 |
| Loan loss allowance to noncurrent loans | 36.8229% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 2,332 |
| Noncurrent loans to loans | 2.6807% | 534 |
| Net loans and leases to total assets | 26.8305% | 5,553 |
| Net loans and leases to deposits | 31.1221% | 5,569 |
| Net loans and leases to core deposits | 35.4760% | 5,530 |
| Total domestic deposits to total assets | 86.2103% | 2,227 |
| Equity capital to assets | 13.6429% | 1,102 |
| Core capital (leverage) ratio | 13.4695% | 1,033 |
| Tier 1 risk-based capital ratio | 50.7875% | 123 |
| Total risk-based capital ratio | 51.7833% | 122 |
| Memoranda: | ||
| Average total assets | $228,160,250 | 2,679 |
| Average earning assets | $216,987,250 | 2,626 |
| Average equity | $30,140,750 | 2,366 |
| Average total loans | $62,150,500 | 4,183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 5,468 |
| Cost of funding earning assets | 0.7806% | 578 |
| Net interest margin | 2.1738% | 5,654 |
| Noninterest income to average assets | 0.2797% | 4,554 |
| Noninterest expense to average assets | 1.7385% | 5,380 |
| Loan and lease loss provision to assets | 0.0009% | 3,862 |
| Net operating income to assets | 0.4362% | 4,879 |
| Return on assets (ROA) | 0.4362% | 4,903 |
| Pretax return on assets | 0.6092% | 4,781 |
| Return on Equity (ROE) | 3.3376% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.3376% | 3,730 |
| Net charge-offs to loans | 0.0032% | 3,381 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 698.0000% | 113 |
| Efficiency ratio | 74.0231% | 2,015 |
| Assets per employee ($millions) | 8.1832% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 4,342 |
| Loan loss allowance to noncurrent loans | 29.9061% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 1,971 |
| Noncurrent loans to loans | 3.2299% | 379 |
| Net loans and leases to total assets | 27.0715% | 5,586 |
| Net loans and leases to deposits | 31.2138% | 5,615 |
| Net loans and leases to core deposits | 35.4928% | 5,575 |
| Total domestic deposits to total assets | 86.7294% | 2,075 |
| Equity capital to assets | 13.1615% | 1,298 |
| Core capital (leverage) ratio | 13.1200% | 1,128 |
| Tier 1 risk-based capital ratio | 47.6904% | 139 |
| Total risk-based capital ratio | 48.6471% | 139 |
| Memoranda: | ||
| Average total assets | $228,819,330 | 2,691 |
| Average earning assets | $217,780,000 | 2,630 |
| Average equity | $29,901,670 | 2,378 |
| Average total loans | $62,437,000 | 4,192 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 5,497 |
| Cost of funding earning assets | 0.7762% | 564 |
| Net interest margin | 2.1832% | 5,710 |
| Noninterest income to average assets | 0.2921% | 4,466 |
| Noninterest expense to average assets | 1.7860% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4058% | 4,928 |
| Return on assets (ROA) | 0.4058% | 4,955 |
| Pretax return on assets | 0.5825% | 4,772 |
| Return on Equity (ROE) | 3.1168% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.1168% | 3,853 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4062% | 1,997 |
| Assets per employee ($millions) | 7.7136% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 4,440 |
| Loan loss allowance to noncurrent loans | 27.6382% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 1,942 |
| Noncurrent loans to loans | 3.5120% | 344 |
| Net loans and leases to total assets | 26.6738% | 5,658 |
| Net loans and leases to deposits | 30.6672% | 5,672 |
| Net loans and leases to core deposits | 37.0718% | 5,597 |
| Total domestic deposits to total assets | 86.9784% | 2,221 |
| Equity capital to assets | 12.9166% | 1,290 |
| Core capital (leverage) ratio | 12.9140% | 1,180 |
| Tier 1 risk-based capital ratio | 47.1436% | 152 |
| Total risk-based capital ratio | 48.0979% | 152 |
| Memoranda: | ||
| Average total assets | $228,664,000 | 2,717 |
| Average earning assets | $217,474,000 | 2,665 |
| Average equity | $29,774,000 | 2,398 |
| Average total loans | $62,338,500 | 4,231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9276% | 5,552 |
| Cost of funding earning assets | 0.8310% | 427 |
| Net interest margin | 2.0966% | 5,786 |
| Noninterest income to average assets | 0.2523% | 4,913 |
| Noninterest expense to average assets | 1.7825% | 5,489 |
| Loan and lease loss provision to assets | 0.0551% | 3,278 |
| Net operating income to assets | 0.2968% | 5,227 |
| Return on assets (ROA) | 0.2968% | 5,295 |
| Pretax return on assets | 0.4106% | 5,212 |
| Return on Equity (ROE) | 2.2943% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.2943% | 4,217 |
| Net charge-offs to loans | 0.1180% | 2,074 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 14.0800% | 2,315 |
| Efficiency ratio | 79.2860% | 1,515 |
| Assets per employee ($millions) | 7.2878% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 4,474 |
| Loan loss allowance to noncurrent loans | 30.3410% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,808 |
| Noncurrent loans to loans | 3.1982% | 401 |
| Net loans and leases to total assets | 27.3290% | 5,699 |
| Net loans and leases to deposits | 31.4665% | 5,719 |
| Net loans and leases to core deposits | 35.7301% | 5,677 |
| Total domestic deposits to total assets | 86.8512% | 2,222 |
| Equity capital to assets | 13.1276% | 1,209 |
| Core capital (leverage) ratio | 13.1104% | 1,099 |
| Tier 1 risk-based capital ratio | 46.7482% | 161 |
| Total risk-based capital ratio | 47.7018% | 161 |
| Memoranda: | ||
| Average total assets | $226,755,400 | 2,691 |
| Average earning assets | $215,875,000 | 2,645 |
| Average equity | $29,333,600 | 2,418 |
| Average total loans | $63,556,800 | 4,191 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9172% | 5,638 |
| Cost of funding earning assets | 0.8370% | 412 |
| Net interest margin | 2.0802% | 5,854 |
| Noninterest income to average assets | 0.2467% | 4,995 |
| Noninterest expense to average assets | 1.7888% | 5,529 |
| Loan and lease loss provision to assets | 0.0129% | 3,992 |
| Net operating income to assets | 0.3066% | 5,272 |
| Return on assets (ROA) | 0.3066% | 5,358 |
| Pretax return on assets | 0.4247% | 5,264 |
| Return on Equity (ROE) | 2.3792% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.3792% | 4,490 |
| Net charge-offs to loans | 0.0459% | 2,729 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 33.8667% | 1,381 |
| Efficiency ratio | 80.3430% | 1,400 |
| Assets per employee ($millions) | 7.3239% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 4,938 |
| Loan loss allowance to noncurrent loans | 24.3742% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 1,843 |
| Noncurrent loans to loans | 3.6054% | 344 |
| Net loans and leases to total assets | 27.5726% | 5,765 |
| Net loans and leases to deposits | 31.7409% | 5,792 |
| Net loans and leases to core deposits | 36.2425% | 5,752 |
| Total domestic deposits to total assets | 86.8676% | 1,955 |
| Equity capital to assets | 12.9968% | 1,490 |
| Core capital (leverage) ratio | 12.9633% | 1,202 |
| Tier 1 risk-based capital ratio | 46.2088% | 166 |
| Total risk-based capital ratio | 47.0779% | 168 |
| Memoranda: | ||
| Average total assets | $226,964,000 | 2,703 |
| Average earning assets | $216,003,750 | 2,649 |
| Average equity | $29,252,500 | 2,435 |
| Average total loans | $63,859,250 | 4,209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9313% | 5,705 |
| Cost of funding earning assets | 0.8414% | 394 |
| Net interest margin | 2.0900% | 5,934 |
| Noninterest income to average assets | 0.2468% | 5,001 |
| Noninterest expense to average assets | 1.7785% | 5,619 |
| Loan and lease loss provision to assets | 0.0141% | 3,826 |
| Net operating income to assets | 0.3208% | 5,263 |
| Return on assets (ROA) | 0.3208% | 5,346 |
| Pretax return on assets | 0.4442% | 5,258 |
| Return on Equity (ROE) | 2.4959% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.4959% | 4,295 |
| Net charge-offs to loans | 0.0499% | 2,483 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,335 |
| Efficiency ratio | 79.5114% | 1,556 |
| Assets per employee ($millions) | 7.3470% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,040 |
| Loan loss allowance to noncurrent loans | 19.4396% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 1,438 |
| Noncurrent loans to loans | 4.4881% | 231 |
| Net loans and leases to total assets | 27.6865% | 5,831 |
| Net loans and leases to deposits | 31.8179% | 5,855 |
| Net loans and leases to core deposits | 36.3602% | 5,810 |
| Total domestic deposits to total assets | 87.0155% | 1,907 |
| Equity capital to assets | 12.8861% | 1,570 |
| Core capital (leverage) ratio | 12.9461% | 1,170 |
| Tier 1 risk-based capital ratio | 45.7093% | 168 |
| Total risk-based capital ratio | 46.5736% | 169 |
| Memoranda: | ||
| Average total assets | $226,938,330 | 2,712 |
| Average earning assets | $216,078,000 | 2,656 |
| Average equity | $29,167,330 | 2,433 |
| Average total loans | $64,093,670 | 4,234 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9459% | 5,740 |
| Cost of funding earning assets | 0.8523% | 386 |
| Net interest margin | 2.0937% | 5,996 |
| Noninterest income to average assets | 0.2366% | 5,049 |
| Noninterest expense to average assets | 1.7711% | 5,679 |
| Loan and lease loss provision to assets | 0.0088% | 3,572 |
| Net operating income to assets | 0.3214% | 5,238 |
| Return on assets (ROA) | 0.3214% | 5,320 |
| Pretax return on assets | 0.4520% | 5,208 |
| Return on Equity (ROE) | 2.5037% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.5037% | 4,254 |
| Net charge-offs to loans | 0.0311% | 2,328 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 859 |
| Efficiency ratio | 79.3513% | 1,689 |
| Assets per employee ($millions) | 7.8750% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 5,181 |
| Loan loss allowance to noncurrent loans | 18.4877% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 1,599 |
| Noncurrent loans to loans | 4.6642% | 227 |
| Net loans and leases to total assets | 27.9400% | 5,876 |
| Net loans and leases to deposits | 32.0643% | 5,899 |
| Net loans and leases to core deposits | 36.5381% | 5,846 |
| Total domestic deposits to total assets | 87.1374% | 2,141 |
| Equity capital to assets | 12.7715% | 1,527 |
| Core capital (leverage) ratio | 12.8994% | 1,195 |
| Tier 1 risk-based capital ratio | 46.0993% | 163 |
| Total risk-based capital ratio | 46.9765% | 162 |
| Memoranda: | ||
| Average total assets | $226,529,000 | 2,719 |
| Average earning assets | $215,890,500 | 2,669 |
| Average equity | $29,076,500 | 2,428 |
| Average total loans | $64,334,000 | 4,252 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8840% | 5,825 |
| Cost of funding earning assets | 0.9395% | 237 |
| Net interest margin | 1.9445% | 6,057 |
| Noninterest income to average assets | 0.1642% | 5,597 |
| Noninterest expense to average assets | 1.7450% | 5,803 |
| Loan and lease loss provision to assets | 0.0246% | 3,896 |
| Net operating income to assets | 0.1910% | 5,599 |
| Return on assets (ROA) | 0.1910% | 5,650 |
| Pretax return on assets | 0.2862% | 5,544 |
| Return on Equity (ROE) | 1.5125% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.5125% | 4,863 |
| Net charge-offs to loans | 0.0015% | 4,426 |
| Credit loss provision to net charge-offs | 5,600.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 708.0000% | 90 |
| Efficiency ratio | 84.8815% | 1,100 |
| Assets per employee ($millions) | 7.2478% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 5,224 |
| Loan loss allowance to noncurrent loans | 21.4617% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 1,895 |
| Noncurrent loans to loans | 4.0215% | 302 |
| Net loans and leases to total assets | 28.3733% | 5,937 |
| Net loans and leases to deposits | 32.5785% | 5,963 |
| Net loans and leases to core deposits | 37.1568% | 5,900 |
| Total domestic deposits to total assets | 87.0920% | 2,080 |
| Equity capital to assets | 12.9008% | 1,399 |
| Core capital (leverage) ratio | 12.8979% | 1,188 |
| Tier 1 risk-based capital ratio | 44.8790% | 172 |
| Total risk-based capital ratio | 45.7383% | 172 |
| Memoranda: | ||
| Average total assets | $227,796,000 | 2,681 |
| Average earning assets | $221,600,600 | 2,568 |
| Average equity | $28,760,400 | 2,405 |
| Average total loans | $66,291,600 | 4,187 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8588% | 5,926 |
| Cost of funding earning assets | 0.9424% | 232 |
| Net interest margin | 1.9164% | 6,152 |
| Noninterest income to average assets | 0.1622% | 5,674 |
| Noninterest expense to average assets | 1.7412% | 5,865 |
| Loan and lease loss provision to assets | 0.0327% | 3,576 |
| Net operating income to assets | 0.1732% | 5,728 |
| Return on assets (ROA) | 0.1732% | 5,784 |
| Pretax return on assets | 0.2625% | 5,699 |
| Return on Equity (ROE) | 1.3796% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.3796% | 5,173 |
| Net charge-offs to loans | 0.0020% | 4,115 |
| Credit loss provision to net charge-offs | 5,600.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 507.2556% | 137 |
| Efficiency ratio | 85.5056% | 1,041 |
| Assets per employee ($millions) | 7.8513% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 5,369 |
| Loan loss allowance to noncurrent loans | 22.1027% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 2,003 |
| Noncurrent loans to loans | 3.8499% | 361 |
| Net loans and leases to total assets | 28.4017% | 6,020 |
| Net loans and leases to deposits | 32.5814% | 6,042 |
| Net loans and leases to core deposits | 37.4018% | 5,985 |
| Total domestic deposits to total assets | 87.1714% | 1,948 |
| Equity capital to assets | 12.6700% | 1,637 |
| Core capital (leverage) ratio | 12.5999% | 1,362 |
| Tier 1 risk-based capital ratio | 48.8982% | 145 |
| Total risk-based capital ratio | 49.8390% | 147 |
| Memoranda: | ||
| Average total assets | $228,574,250 | 2,694 |
| Average earning assets | $223,535,000 | 2,580 |
| Average equity | $28,704,000 | 2,424 |
| Average total loans | $66,788,250 | 4,217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 5,958 |
| Cost of funding earning assets | 0.9494% | 220 |
| Net interest margin | 1.9354% | 6,222 |
| Noninterest income to average assets | 0.1573% | 5,765 |
| Noninterest expense to average assets | 1.7390% | 5,933 |
| Loan and lease loss provision to assets | 0.0489% | 3,143 |
| Net operating income to assets | 0.1660% | 5,775 |
| Return on assets (ROA) | 0.1660% | 5,828 |
| Pretax return on assets | 0.2630% | 5,721 |
| Return on Equity (ROE) | 1.3261% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.3261% | 5,020 |
| Net charge-offs to loans | 0.0030% | 3,802 |
| Credit loss provision to net charge-offs | 5,600.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 193 |
| Efficiency ratio | 84.7891% | 1,177 |
| Assets per employee ($millions) | 7.9249% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 5,490 |
| Loan loss allowance to noncurrent loans | 20.8333% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 2,040 |
| Noncurrent loans to loans | 4.0406% | 376 |
| Net loans and leases to total assets | 28.4462% | 6,087 |
| Net loans and leases to deposits | 32.5518% | 6,111 |
| Net loans and leases to core deposits | 37.2492% | 6,043 |
| Total domestic deposits to total assets | 87.3877% | 1,971 |
| Equity capital to assets | 12.5057% | 1,652 |
| Core capital (leverage) ratio | 12.5360% | 1,361 |
| Tier 1 risk-based capital ratio | 48.4108% | 161 |
| Total risk-based capital ratio | 49.3456% | 160 |
| Memoranda: | ||
| Average total assets | $228,870,000 | 2,709 |
| Average earning assets | $223,933,670 | 2,593 |
| Average equity | $28,656,000 | 2,440 |
| Average total loans | $67,310,330 | 4,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9172% | 5,980 |
| Cost of funding earning assets | 0.9557% | 219 |
| Net interest margin | 1.9615% | 6,287 |
| Noninterest income to average assets | 0.1506% | 5,837 |
| Noninterest expense to average assets | 1.7338% | 5,981 |
| Loan and lease loss provision to assets | 0.0018% | 3,689 |
| Net operating income to assets | 0.2207% | 5,629 |
| Return on assets (ROA) | 0.2207% | 5,722 |
| Pretax return on assets | 0.3345% | 5,568 |
| Return on Equity (ROE) | 1.7614% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.7614% | 4,769 |
| Net charge-offs to loans | 0.0059% | 3,126 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 289 |
| Efficiency ratio | 83.7563% | 1,408 |
| Assets per employee ($millions) | 7.1823% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 5,819 |
| Loan loss allowance to noncurrent loans | 28.1849% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 2,960 |
| Noncurrent loans to loans | 2.6424% | 900 |
| Net loans and leases to total assets | 28.9937% | 6,108 |
| Net loans and leases to deposits | 33.1618% | 6,132 |
| Net loans and leases to core deposits | 37.9151% | 6,041 |
| Total domestic deposits to total assets | 87.4309% | 2,152 |
| Equity capital to assets | 12.4773% | 1,706 |
| Core capital (leverage) ratio | 12.5254% | 1,353 |
| Tier 1 risk-based capital ratio | 45.5154% | 186 |
| Total risk-based capital ratio | 46.3090% | 192 |
| Memoranda: | ||
| Average total assets | $228,393,500 | 2,735 |
| Average earning assets | $223,499,000 | 2,609 |
| Average equity | $28,613,500 | 2,457 |
| Average total loans | $68,000,000 | 4,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0186% | 6,046 |
| Cost of funding earning assets | 1.0200% | 210 |
| Net interest margin | 1.9986% | 6,371 |
| Noninterest income to average assets | 0.1588% | 5,909 |
| Noninterest expense to average assets | 1.7466% | 6,119 |
| Loan and lease loss provision to assets | 0.0075% | 4,479 |
| Net operating income to assets | 0.2376% | 5,684 |
| Return on assets (ROA) | 0.2376% | 5,743 |
| Pretax return on assets | 0.3599% | 5,590 |
| Return on Equity (ROE) | 1.9071% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.9071% | 4,852 |
| Net charge-offs to loans | 0.0242% | 4,350 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 49.1176% | 937 |
| Efficiency ratio | 82.6223% | 1,580 |
| Assets per employee ($millions) | 7.0923% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 5,939 |
| Loan loss allowance to noncurrent loans | 30.8071% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 3,225 |
| Noncurrent loans to loans | 2.3569% | 1,102 |
| Net loans and leases to total assets | 30.1220% | 6,172 |
| Net loans and leases to deposits | 34.4622% | 6,210 |
| Net loans and leases to core deposits | 39.5786% | 6,104 |
| Total domestic deposits to total assets | 87.4058% | 2,079 |
| Equity capital to assets | 12.5796% | 1,593 |
| Core capital (leverage) ratio | 12.5796% | 1,316 |
| Tier 1 risk-based capital ratio | 45.7569% | 165 |
| Total risk-based capital ratio | 46.5582% | 170 |
| Memoranda: | ||
| Average total assets | $227,295,600 | 2,720 |
| Average earning assets | $222,356,000 | 2,604 |
| Average equity | $28,315,200 | 2,385 |
| Average total loans | $70,256,000 | 4,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0487% | 6,085 |
| Cost of funding earning assets | 1.0278% | 214 |
| Net interest margin | 2.0208% | 6,445 |
| Noninterest income to average assets | 0.1583% | 5,960 |
| Noninterest expense to average assets | 1.7169% | 6,196 |
| Loan and lease loss provision to assets | 0.0070% | 4,279 |
| Net operating income to assets | 0.2703% | 5,678 |
| Return on assets (ROA) | 0.2703% | 5,744 |
| Pretax return on assets | 0.4105% | 5,558 |
| Return on Equity (ROE) | 2.1753% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.1753% | 4,971 |
| Net charge-offs to loans | 0.0227% | 4,066 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 59.3319% | 869 |
| Efficiency ratio | 80.4396% | 1,854 |
| Assets per employee ($millions) | 7.1363% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 6,038 |
| Loan loss allowance to noncurrent loans | 24.3665% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 3,105 |
| Noncurrent loans to loans | 3.0015% | 891 |
| Net loans and leases to total assets | 29.7182% | 6,259 |
| Net loans and leases to deposits | 33.9908% | 6,298 |
| Net loans and leases to core deposits | 39.0417% | 6,203 |
| Total domestic deposits to total assets | 87.4300% | 2,075 |
| Equity capital to assets | 12.4679% | 1,721 |
| Core capital (leverage) ratio | 12.4679% | 1,420 |
| Tier 1 risk-based capital ratio | 46.5282% | 161 |
| Total risk-based capital ratio | 47.3453% | 165 |
| Memoranda: | ||
| Average total assets | $227,381,000 | 2,737 |
| Average earning assets | $222,344,250 | 2,613 |
| Average equity | $28,256,500 | 2,403 |
| Average total loans | $70,604,250 | 4,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 6,076 |
| Cost of funding earning assets | 1.0322% | 219 |
| Net interest margin | 2.0526% | 6,505 |
| Noninterest income to average assets | 0.1550% | 6,017 |
| Noninterest expense to average assets | 1.6974% | 6,272 |
| Loan and lease loss provision to assets | 0.0035% | 4,147 |
| Net operating income to assets | 0.3048% | 5,552 |
| Return on assets (ROA) | 0.3048% | 5,622 |
| Pretax return on assets | 0.4616% | 5,385 |
| Return on Equity (ROE) | 2.4552% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.4552% | 4,648 |
| Net charge-offs to loans | 0.0112% | 4,033 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 456 |
| Efficiency ratio | 78.4929% | 2,229 |
| Assets per employee ($millions) | 7.1587% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 6,161 |
| Loan loss allowance to noncurrent loans | 20.9205% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 2,980 |
| Noncurrent loans to loans | 3.3769% | 812 |
| Net loans and leases to total assets | 30.6768% | 6,283 |
| Net loans and leases to deposits | 35.0487% | 6,321 |
| Net loans and leases to core deposits | 40.1703% | 6,218 |
| Total domestic deposits to total assets | 87.5261% | 2,187 |
| Equity capital to assets | 12.3787% | 1,720 |
| Core capital (leverage) ratio | 12.3787% | 1,458 |
| Tier 1 risk-based capital ratio | 45.1991% | 175 |
| Total risk-based capital ratio | 45.9960% | 179 |
| Memoranda: | ||
| Average total assets | $227,054,000 | 2,758 |
| Average earning assets | $222,057,670 | 2,624 |
| Average equity | $28,184,670 | 2,396 |
| Average total loans | $71,350,670 | 4,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 6,112 |
| Cost of funding earning assets | 1.0350% | 233 |
| Net interest margin | 2.0700% | 6,572 |
| Noninterest income to average assets | 0.1540% | 6,052 |
| Noninterest expense to average assets | 1.7023% | 6,348 |
| Loan and lease loss provision to assets | 0.0071% | 3,728 |
| Net operating income to assets | 0.3097% | 5,457 |
| Return on assets (ROA) | 0.3097% | 5,505 |
| Pretax return on assets | 0.4689% | 5,259 |
| Return on Equity (ROE) | 2.4912% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.4912% | 4,581 |
| Net charge-offs to loans | 0.0223% | 3,129 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 67.2500% | 605 |
| Efficiency ratio | 78.1478% | 2,455 |
| Assets per employee ($millions) | 7.1177% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 6,274 |
| Loan loss allowance to noncurrent loans | 30.7692% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,976 |
| Noncurrent loans to loans | 2.2844% | 1,566 |
| Net loans and leases to total assets | 31.0115% | 6,306 |
| Net loans and leases to deposits | 35.4268% | 6,335 |
| Net loans and leases to core deposits | 40.5248% | 6,218 |
| Total domestic deposits to total assets | 87.5368% | 2,487 |
| Equity capital to assets | 12.3749% | 1,640 |
| Core capital (leverage) ratio | 12.3749% | 1,439 |
| Tier 1 risk-based capital ratio | 44.8001% | 177 |
| Total risk-based capital ratio | 45.5949% | 184 |
| Memoranda: | ||
| Average total assets | $226,041,500 | 2,769 |
| Average earning assets | $221,059,000 | 2,641 |
| Average equity | $28,098,500 | 2,397 |
| Average total loans | $71,639,000 | 4,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 6,011 |
| Cost of funding earning assets | 1.0852% | 306 |
| Net interest margin | 2.2037% | 6,579 |
| Noninterest income to average assets | 0.1637% | 6,112 |
| Noninterest expense to average assets | 1.7359% | 6,404 |
| Loan and lease loss provision to assets | 0.0220% | 4,687 |
| Net operating income to assets | 0.3665% | 5,275 |
| Return on assets (ROA) | 0.3665% | 5,389 |
| Pretax return on assets | 0.5552% | 5,030 |
| Return on Equity (ROE) | 3.0199% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.0199% | 4,086 |
| Net charge-offs to loans | 0.0655% | 4,294 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.2400% | 1,299 |
| Efficiency ratio | 75.0475% | 2,940 |
| Assets per employee ($millions) | 7.0099% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 6,354 |
| Loan loss allowance to noncurrent loans | 26.6383% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 3,679 |
| Noncurrent loans to loans | 2.6017% | 1,439 |
| Net loans and leases to total assets | 31.9389% | 6,385 |
| Net loans and leases to deposits | 36.5009% | 6,412 |
| Net loans and leases to core deposits | 41.9407% | 6,307 |
| Total domestic deposits to total assets | 87.5016% | 2,472 |
| Equity capital to assets | 12.4873% | 1,516 |
| Core capital (leverage) ratio | 12.4873% | 1,370 |
| Tier 1 risk-based capital ratio | 43.9478% | 182 |
| Total risk-based capital ratio | 44.7323% | 186 |
| Memoranda: | ||
| Average total assets | $227,312,000 | 2,743 |
| Average earning assets | $221,716,200 | 2,600 |
| Average equity | $27,583,600 | 2,415 |
| Average total loans | $76,330,600 | 4,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 6,158 |
| Cost of funding earning assets | 1.0859% | 333 |
| Net interest margin | 2.1423% | 6,680 |
| Noninterest income to average assets | 0.1602% | 6,225 |
| Noninterest expense to average assets | 1.6755% | 6,493 |
| Loan and lease loss provision to assets | 0.0240% | 4,529 |
| Net operating income to assets | 0.3636% | 5,395 |
| Return on assets (ROA) | 0.3636% | 5,526 |
| Pretax return on assets | 0.5507% | 5,204 |
| Return on Equity (ROE) | 3.0182% | 5,597 |
| Retained earnings to average equity (ytd only) | 3.0182% | 4,513 |
| Net charge-offs to loans | 0.0707% | 3,919 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 23.9735% | 1,444 |
| Efficiency ratio | 74.4609% | 2,988 |
| Assets per employee ($millions) | 7.0555% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 6,467 |
| Loan loss allowance to noncurrent loans | 28.2965% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 4,082 |
| Noncurrent loans to loans | 2.3902% | 1,838 |
| Net loans and leases to total assets | 32.5224% | 6,429 |
| Net loans and leases to deposits | 37.1533% | 6,468 |
| Net loans and leases to core deposits | 42.5386% | 6,371 |
| Total domestic deposits to total assets | 87.5355% | 2,396 |
| Equity capital to assets | 12.3130% | 1,701 |
| Core capital (leverage) ratio | 12.3130% | 1,511 |
| Tier 1 risk-based capital ratio | 42.1838% | 213 |
| Total risk-based capital ratio | 42.9426% | 217 |
| Memoranda: | ||
| Average total assets | $228,061,000 | 2,760 |
| Average earning assets | $222,491,750 | 2,605 |
| Average equity | $27,476,750 | 2,442 |
| Average total loans | $77,377,250 | 4,046 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2258% | 6,197 |
| Cost of funding earning assets | 1.0878% | 353 |
| Net interest margin | 2.1380% | 6,718 |
| Noninterest income to average assets | 0.1599% | 6,254 |
| Noninterest expense to average assets | 1.7079% | 6,489 |
| Loan and lease loss provision to assets | 0.0358% | 4,231 |
| Net operating income to assets | 0.3313% | 5,485 |
| Return on assets (ROA) | 0.3313% | 5,645 |
| Pretax return on assets | 0.5017% | 5,371 |
| Return on Equity (ROE) | 2.7696% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.7696% | 4,551 |
| Net charge-offs to loans | 0.1044% | 3,315 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,781 |
| Efficiency ratio | 76.0607% | 2,777 |
| Assets per employee ($millions) | 7.1098% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6609% | 6,548 |
| Loan loss allowance to noncurrent loans | 18.6498% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 3,277 |
| Noncurrent loans to loans | 3.5438% | 1,180 |
| Net loans and leases to total assets | 33.0325% | 6,457 |
| Net loans and leases to deposits | 37.6231% | 6,497 |
| Net loans and leases to core deposits | 43.2753% | 6,358 |
| Total domestic deposits to total assets | 87.7986% | 2,383 |
| Equity capital to assets | 12.1126% | 1,842 |
| Core capital (leverage) ratio | 12.1126% | 1,559 |
| Tier 1 risk-based capital ratio | 42.4237% | 203 |
| Total risk-based capital ratio | 43.1934% | 206 |
| Memoranda: | ||
| Average total assets | $228,822,330 | 2,757 |
| Average earning assets | $223,203,670 | 2,607 |
| Average equity | $27,369,000 | 2,463 |
| Average total loans | $78,527,000 | 4,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 6,239 |
| Cost of funding earning assets | 1.0836% | 403 |
| Net interest margin | 2.1654% | 6,779 |
| Noninterest income to average assets | 0.1673% | 6,263 |
| Noninterest expense to average assets | 1.7501% | 6,502 |
| Loan and lease loss provision to assets | 0.0209% | 4,206 |
| Net operating income to assets | 0.3347% | 5,423 |
| Return on assets (ROA) | 0.3347% | 5,560 |
| Pretax return on assets | 0.5072% | 5,231 |
| Return on Equity (ROE) | 2.8158% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,598 |
| Net charge-offs to loans | 0.0600% | 3,218 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,056 |
| Efficiency ratio | 76.8171% | 2,792 |
| Assets per employee ($millions) | 7.1551% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 6,666 |
| Loan loss allowance to noncurrent loans | 16.9837% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 3,401 |
| Noncurrent loans to loans | 3.7313% | 1,257 |
| Net loans and leases to total assets | 34.2418% | 6,405 |
| Net loans and leases to deposits | 38.9183% | 6,466 |
| Net loans and leases to core deposits | 44.8372% | 6,271 |
| Total domestic deposits to total assets | 87.9836% | 2,320 |
| Equity capital to assets | 11.9543% | 2,072 |
| Core capital (leverage) ratio | 11.9543% | 1,597 |
| Tier 1 risk-based capital ratio | 40.1011% | 231 |
| Total risk-based capital ratio | 40.8336% | 236 |
| Memoranda: | ||
| Average total assets | $229,476,000 | 2,782 |
| Average earning assets | $223,702,000 | 2,627 |
| Average equity | $27,274,500 | 2,502 |
| Average total loans | $79,963,500 | 4,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 6,102 |
| Cost of funding earning assets | 1.3324% | 326 |
| Net interest margin | 2.3369% | 6,819 |
| Noninterest income to average assets | 0.1740% | 6,161 |
| Noninterest expense to average assets | 1.6989% | 6,725 |
| Loan and lease loss provision to assets | 0.1216% | 4,094 |
| Net operating income to assets | 0.4074% | 5,068 |
| Return on assets (ROA) | 0.4074% | 5,322 |
| Pretax return on assets | 0.6171% | 4,945 |
| Return on Equity (ROE) | 3.4513% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.4513% | 3,799 |
| Net charge-offs to loans | 0.3238% | 3,030 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.0761% | 2,879 |
| Efficiency ratio | 69.6964% | 3,869 |
| Assets per employee ($millions) | 7.1872% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 6,736 |
| Loan loss allowance to noncurrent loans | 16.0617% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 3,164 |
| Noncurrent loans to loans | 3.8420% | 1,259 |
| Net loans and leases to total assets | 35.0130% | 6,491 |
| Net loans and leases to deposits | 39.7091% | 6,570 |
| Net loans and leases to core deposits | 46.1697% | 6,363 |
| Total domestic deposits to total assets | 88.1738% | 2,118 |
| Equity capital to assets | 11.8171% | 2,167 |
| Core capital (leverage) ratio | 11.8171% | 1,659 |
| Tier 1 risk-based capital ratio | 40.9881% | 222 |
| Total risk-based capital ratio | 41.7422% | 229 |
| Memoranda: | ||
| Average total assets | $227,024,400 | 2,764 |
| Average earning assets | $219,909,200 | 2,616 |
| Average equity | $26,801,800 | 2,501 |
| Average total loans | $85,242,800 | 3,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 6,045 |
| Cost of funding earning assets | 1.3747% | 326 |
| Net interest margin | 2.4173% | 6,881 |
| Noninterest income to average assets | 0.1756% | 6,252 |
| Noninterest expense to average assets | 1.6310% | 6,848 |
| Loan and lease loss provision to assets | 0.0901% | 4,477 |
| Net operating income to assets | 0.5226% | 4,745 |
| Return on assets (ROA) | 0.5226% | 5,009 |
| Pretax return on assets | 0.7919% | 4,520 |
| Return on Equity (ROE) | 4.4281% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,778 |
| Net charge-offs to loans | 0.1900% | 3,594 |
| Credit loss provision to net charge-offs | 124.3902% | 2,325 |
| Earnings coverage of net charge-offs (x) | 12.1704% | 2,020 |
| Efficiency ratio | 64.9004% | 4,641 |
| Assets per employee ($millions) | 7.3047% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 6,867 |
| Loan loss allowance to noncurrent loans | 17.5562% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 3,561 |
| Noncurrent loans to loans | 3.4136% | 1,600 |
| Net loans and leases to total assets | 35.4781% | 6,578 |
| Net loans and leases to deposits | 40.1884% | 6,668 |
| Net loans and leases to core deposits | 46.6163% | 6,482 |
| Total domestic deposits to total assets | 88.2794% | 1,862 |
| Equity capital to assets | 11.6111% | 2,636 |
| Core capital (leverage) ratio | 11.6111% | 1,901 |
| Tier 1 risk-based capital ratio | 40.9206% | 222 |
| Total risk-based capital ratio | 41.6745% | 227 |
| Memoranda: | ||
| Average total assets | $226,283,250 | 2,792 |
| Average earning assets | $218,809,000 | 2,654 |
| Average equity | $26,707,750 | 2,525 |
| Average total loans | $86,297,000 | 3,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 5,862 |
| Cost of funding earning assets | 1.4236% | 318 |
| Net interest margin | 2.4977% | 6,892 |
| Noninterest income to average assets | 0.1680% | 6,339 |
| Noninterest expense to average assets | 1.6479% | 6,883 |
| Loan and lease loss provision to assets | 0.0992% | 4,290 |
| Net operating income to assets | 0.5478% | 4,591 |
| Return on assets (ROA) | 0.5478% | 4,870 |
| Pretax return on assets | 0.8293% | 4,363 |
| Return on Equity (ROE) | 4.6154% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.6154% | 3,541 |
| Net charge-offs to loans | 0.1857% | 3,469 |
| Credit loss provision to net charge-offs | 137.0370% | 2,005 |
| Earnings coverage of net charge-offs (x) | 12.8272% | 1,844 |
| Efficiency ratio | 63.9612% | 4,910 |
| Assets per employee ($millions) | 7.1185% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 6,944 |
| Loan loss allowance to noncurrent loans | 17.4520% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 3,573 |
| Noncurrent loans to loans | 3.3848% | 1,713 |
| Net loans and leases to total assets | 36.9384% | 6,552 |
| Net loans and leases to deposits | 41.9160% | 6,649 |
| Net loans and leases to core deposits | 48.2939% | 6,441 |
| Total domestic deposits to total assets | 88.1247% | 2,059 |
| Equity capital to assets | 11.7936% | 2,321 |
| Core capital (leverage) ratio | 11.7936% | 1,729 |
| Tier 1 risk-based capital ratio | 38.5831% | 262 |
| Total risk-based capital ratio | 39.3012% | 268 |
| Memoranda: | ||
| Average total assets | $223,794,330 | 2,831 |
| Average earning assets | $215,796,670 | 2,691 |
| Average equity | $26,563,330 | 2,525 |
| Average total loans | $87,252,670 | 3,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 5,817 |
| Cost of funding earning assets | 1.4753% | 322 |
| Net interest margin | 2.5089% | 6,949 |
| Noninterest income to average assets | 0.1713% | 6,354 |
| Noninterest expense to average assets | 1.5907% | 6,985 |
| Loan and lease loss provision to assets | 0.1172% | 3,882 |
| Net operating income to assets | 0.5753% | 4,469 |
| Return on assets (ROA) | 0.5753% | 4,694 |
| Pretax return on assets | 0.8711% | 4,145 |
| Return on Equity (ROE) | 4.8310% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.8310% | 3,651 |
| Net charge-offs to loans | 0.2033% | 2,902 |
| Credit loss provision to net charge-offs | 144.4444% | 1,713 |
| Earnings coverage of net charge-offs (x) | 12.1778% | 1,620 |
| Efficiency ratio | 61.6783% | 5,335 |
| Assets per employee ($millions) | 7.0901% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 7,035 |
| Loan loss allowance to noncurrent loans | 19.5021% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1733% | 4,169 |
| Noncurrent loans to loans | 2.7724% | 2,340 |
| Net loans and leases to total assets | 38.1064% | 6,485 |
| Net loans and leases to deposits | 43.2201% | 6,598 |
| Net loans and leases to core deposits | 50.0808% | 6,335 |
| Total domestic deposits to total assets | 88.1684% | 2,203 |
| Equity capital to assets | 11.7113% | 2,253 |
| Core capital (leverage) ratio | 11.7113% | 1,763 |
| Tier 1 risk-based capital ratio | 36.7928% | 294 |
| Total risk-based capital ratio | 37.4436% | 299 |
| Memoranda: | ||
| Average total assets | $221,795,000 | 2,867 |
| Average earning assets | $212,844,000 | 2,737 |
| Average equity | $26,412,500 | 2,537 |
| Average total loans | $88,557,500 | 3,864 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 5,471 |
| Cost of funding earning assets | 1.9055% | 146 |
| Net interest margin | 2.4834% | 7,065 |
| Noninterest income to average assets | 0.2125% | 5,996 |
| Noninterest expense to average assets | 1.7915% | 6,961 |
| Loan and lease loss provision to assets | 0.0812% | 5,600 |
| Net operating income to assets | 0.4561% | 4,606 |
| Return on assets (ROA) | 0.4561% | 4,821 |
| Pretax return on assets | 0.6909% | 4,354 |
| Return on Equity (ROE) | 3.8157% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.8157% | 3,497 |
| Net charge-offs to loans | 0.1850% | 4,665 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 9.5086% | 1,968 |
| Efficiency ratio | 69.8824% | 3,985 |
| Assets per employee ($millions) | 6.5669% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,105 |
| Loan loss allowance to noncurrent loans | 23.8624% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 4,412 |
| Noncurrent loans to loans | 2.0956% | 3,072 |
| Net loans and leases to total assets | 41.4094% | 6,428 |
| Net loans and leases to deposits | 47.1273% | 6,556 |
| Net loans and leases to core deposits | 54.8521% | 6,238 |
| Total domestic deposits to total assets | 87.8670% | 2,240 |
| Equity capital to assets | 12.1150% | 2,035 |
| Core capital (leverage) ratio | 12.1150% | 1,529 |
| Tier 1 risk-based capital ratio | 32.2927% | 418 |
| Total risk-based capital ratio | 32.8475% | 434 |
| Memoranda: | ||
| Average total assets | $215,523,400 | 2,889 |
| Average earning assets | $204,036,400 | 2,802 |
| Average equity | $25,762,200 | 2,500 |
| Average total loans | $94,580,800 | 3,755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 5,344 |
| Cost of funding earning assets | 1.9871% | 123 |
| Net interest margin | 2.4829% | 7,140 |
| Noninterest income to average assets | 0.2137% | 6,082 |
| Noninterest expense to average assets | 1.7748% | 7,022 |
| Loan and lease loss provision to assets | 0.0836% | 5,397 |
| Net operating income to assets | 0.4646% | 4,702 |
| Return on assets (ROA) | 0.4646% | 4,892 |
| Pretax return on assets | 0.7037% | 4,467 |
| Return on Equity (ROE) | 3.9002% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.9002% | 3,947 |
| Net charge-offs to loans | 0.1881% | 4,293 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 9.4146% | 2,052 |
| Efficiency ratio | 69.2698% | 4,079 |
| Assets per employee ($millions) | 6.5364% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3763% | 7,245 |
| Loan loss allowance to noncurrent loans | 20.4784% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 4,575 |
| Noncurrent loans to loans | 1.8373% | 3,586 |
| Net loans and leases to total assets | 43.0862% | 6,425 |
| Net loans and leases to deposits | 49.0977% | 6,561 |
| Net loans and leases to core deposits | 56.6793% | 6,257 |
| Total domestic deposits to total assets | 87.7561% | 2,189 |
| Equity capital to assets | 12.0631% | 2,204 |
| Core capital (leverage) ratio | 12.0631% | 1,671 |
| Tier 1 risk-based capital ratio | 30.8780% | 499 |
| Total risk-based capital ratio | 31.2946% | 527 |
| Memoranda: | ||
| Average total assets | $215,227,500 | 2,898 |
| Average earning assets | $203,572,750 | 2,813 |
| Average equity | $25,639,250 | 2,514 |
| Average total loans | $95,679,000 | 3,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 5,351 |
| Cost of funding earning assets | 2.0679% | 116 |
| Net interest margin | 2.4336% | 7,221 |
| Noninterest income to average assets | 0.2064% | 6,186 |
| Noninterest expense to average assets | 1.7538% | 7,127 |
| Loan and lease loss provision to assets | 0.0260% | 5,978 |
| Net operating income to assets | 0.4808% | 4,592 |
| Return on assets (ROA) | 0.4808% | 4,736 |
| Pretax return on assets | 0.7281% | 4,282 |
| Return on Equity (ROE) | 4.0529% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.0529% | 3,625 |
| Net charge-offs to loans | 0.0580% | 5,071 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 28.9643% | 951 |
| Efficiency ratio | 69.9296% | 4,136 |
| Assets per employee ($millions) | 6.3827% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 7,309 |
| Loan loss allowance to noncurrent loans | 25.6955% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 5,233 |
| Noncurrent loans to loans | 1.4418% | 4,255 |
| Net loans and leases to total assets | 43.4969% | 6,477 |
| Net loans and leases to deposits | 49.4209% | 6,641 |
| Net loans and leases to core deposits | 57.3427% | 6,320 |
| Total domestic deposits to total assets | 88.0131% | 2,127 |
| Equity capital to assets | 11.8828% | 2,184 |
| Core capital (leverage) ratio | 11.8828% | 1,679 |
| Tier 1 risk-based capital ratio | 31.0365% | 487 |
| Total risk-based capital ratio | 31.4590% | 514 |
| Memoranda: | ||
| Average total assets | $215,070,000 | 2,910 |
| Average earning assets | $203,399,000 | 2,830 |
| Average equity | $25,512,330 | 2,510 |
| Average total loans | $96,476,000 | 3,786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 5,237 |
| Cost of funding earning assets | 2.1768% | 94 |
| Net interest margin | 2.3545% | 7,282 |
| Noninterest income to average assets | 0.1980% | 6,306 |
| Noninterest expense to average assets | 1.7880% | 7,156 |
| Loan and lease loss provision to assets | 0.0430% | 5,453 |
| Net operating income to assets | 0.3923% | 4,986 |
| Return on assets (ROA) | 0.3923% | 5,076 |
| Pretax return on assets | 0.5941% | 4,705 |
| Return on Equity (ROE) | 3.3103% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.3103% | 4,201 |
| Net charge-offs to loans | 0.0945% | 3,998 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 14.8261% | 1,350 |
| Efficiency ratio | 73.7288% | 3,564 |
| Assets per employee ($millions) | 6.3140% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 7,365 |
| Loan loss allowance to noncurrent loans | 24.0576% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 5,143 |
| Noncurrent loans to loans | 1.5155% | 4,203 |
| Net loans and leases to total assets | 44.6820% | 6,408 |
| Net loans and leases to deposits | 50.7623% | 6,569 |
| Net loans and leases to core deposits | 58.1857% | 6,239 |
| Total domestic deposits to total assets | 88.0220% | 2,360 |
| Equity capital to assets | 11.8690% | 2,000 |
| Core capital (leverage) ratio | 11.8690% | 1,638 |
| Tier 1 risk-based capital ratio | 30.5849% | 493 |
| Total risk-based capital ratio | 31.0063% | 522 |
| Memoranda: | ||
| Average total assets | $214,099,500 | 2,948 |
| Average earning assets | $202,503,500 | 2,866 |
| Average equity | $25,375,000 | 2,508 |
| Average total loans | $97,342,000 | 3,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 5,375 |
| Cost of funding earning assets | 2.6949% | 60 |
| Net interest margin | 2.1142% | 7,424 |
| Noninterest income to average assets | 0.2279% | 6,174 |
| Noninterest expense to average assets | 1.7615% | 7,298 |
| Loan and lease loss provision to assets | 0.0096% | 6,988 |
| Net operating income to assets | 0.3095% | 4,904 |
| Return on assets (ROA) | 0.3095% | 5,074 |
| Pretax return on assets | 0.4693% | 4,725 |
| Return on Equity (ROE) | 2.5807% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.5807% | 4,056 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6250% | 2,592 |
| Assets per employee ($millions) | 6.2801% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3567% | 7,453 |
| Loan loss allowance to noncurrent loans | 19.6639% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 4,973 |
| Noncurrent loans to loans | 1.8138% | 3,797 |
| Net loans and leases to total assets | 45.9250% | 6,564 |
| Net loans and leases to deposits | 52.0989% | 6,740 |
| Net loans and leases to core deposits | 59.9250% | 6,395 |
| Total domestic deposits to total assets | 88.1497% | 2,151 |
| Equity capital to assets | 11.8348% | 2,015 |
| Core capital (leverage) ratio | 11.8348% | 1,649 |
| Tier 1 risk-based capital ratio | 30.0991% | 504 |
| Total risk-based capital ratio | 30.5172% | 523 |
| Memoranda: | ||
| Average total assets | $208,399,000 | 2,995 |
| Average earning assets | $198,375,600 | 2,898 |
| Average equity | $24,993,400 | 2,558 |
| Average total loans | $102,374,800 | 3,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 5,266 |
| Cost of funding earning assets | 2.7495% | 56 |
| Net interest margin | 2.1512% | 7,533 |
| Noninterest income to average assets | 0.2440% | 6,145 |
| Noninterest expense to average assets | 1.7478% | 7,393 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3598% | 4,930 |
| Return on assets (ROA) | 0.3598% | 5,109 |
| Pretax return on assets | 0.5446% | 4,778 |
| Return on Equity (ROE) | 2.9903% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.9903% | 4,342 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2426% | 2,897 |
| Assets per employee ($millions) | 6.1687% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3297% | 7,577 |
| Loan loss allowance to noncurrent loans | 19.7141% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 5,259 |
| Noncurrent loans to loans | 1.6722% | 4,137 |
| Net loans and leases to total assets | 47.7138% | 6,547 |
| Net loans and leases to deposits | 54.3155% | 6,749 |
| Net loans and leases to core deposits | 62.2259% | 6,442 |
| Total domestic deposits to total assets | 87.8457% | 2,053 |
| Equity capital to assets | 12.0075% | 2,157 |
| Core capital (leverage) ratio | 12.0075% | 1,668 |
| Tier 1 risk-based capital ratio | 29.6719% | 529 |
| Total risk-based capital ratio | 30.0619% | 567 |
| Memoranda: | ||
| Average total assets | $207,118,250 | 3,051 |
| Average earning assets | $197,221,750 | 2,961 |
| Average equity | $24,924,250 | 2,598 |
| Average total loans | $103,365,750 | 3,750 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 4,810 |
| Cost of funding earning assets | 2.7713% | 70 |
| Net interest margin | 2.2570% | 7,552 |
| Noninterest income to average assets | 0.2376% | 6,207 |
| Noninterest expense to average assets | 1.7465% | 7,462 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4218% | 4,651 |
| Return on assets (ROA) | 0.4218% | 4,807 |
| Pretax return on assets | 0.6400% | 4,433 |
| Return on Equity (ROE) | 3.5027% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.5027% | 3,879 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1816% | 3,627 |
| Assets per employee ($millions) | 6.1034% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3211% | 7,655 |
| Loan loss allowance to noncurrent loans | 24.4642% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 5,627 |
| Noncurrent loans to loans | 1.3124% | 4,757 |
| Net loans and leases to total assets | 49.5191% | 6,489 |
| Net loans and leases to deposits | 56.3921% | 6,691 |
| Net loans and leases to core deposits | 64.3795% | 6,370 |
| Total domestic deposits to total assets | 87.8120% | 2,100 |
| Equity capital to assets | 12.0762% | 2,055 |
| Core capital (leverage) ratio | 12.0762% | 1,603 |
| Tier 1 risk-based capital ratio | 29.6540% | 529 |
| Total risk-based capital ratio | 30.0457% | 567 |
| Memoranda: | ||
| Average total assets | $206,245,670 | 3,090 |
| Average earning assets | $196,371,000 | 2,996 |
| Average equity | $24,837,670 | 2,605 |
| Average total loans | $104,353,000 | 3,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 4,888 |
| Cost of funding earning assets | 2.8014% | 87 |
| Net interest margin | 2.2280% | 7,635 |
| Noninterest income to average assets | 0.2393% | 6,236 |
| Noninterest expense to average assets | 1.7567% | 7,517 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3949% | 4,859 |
| Return on assets (ROA) | 0.3949% | 5,002 |
| Pretax return on assets | 0.5992% | 4,610 |
| Return on Equity (ROE) | 3.2839% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.2839% | 4,174 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5665% | 3,475 |
| Assets per employee ($millions) | 6.0754% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3164% | 7,745 |
| Loan loss allowance to noncurrent loans | 27.2652% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 5,789 |
| Noncurrent loans to loans | 1.1605% | 5,048 |
| Net loans and leases to total assets | 50.4846% | 6,422 |
| Net loans and leases to deposits | 57.4436% | 6,658 |
| Net loans and leases to core deposits | 65.2995% | 6,342 |
| Total domestic deposits to total assets | 87.8855% | 2,127 |
| Equity capital to assets | 12.0196% | 2,033 |
| Core capital (leverage) ratio | 12.0196% | 1,645 |
| Tier 1 risk-based capital ratio | 29.1631% | 574 |
| Total risk-based capital ratio | 29.5519% | 604 |
| Memoranda: | ||
| Average total assets | $205,610,500 | 3,149 |
| Average earning assets | $195,331,000 | 3,057 |
| Average equity | $24,726,500 | 2,638 |
| Average total loans | $104,984,000 | 3,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 6,062 |
| Cost of funding earning assets | 2.9922% | 239 |
| Net interest margin | 2.1143% | 7,695 |
| Noninterest income to average assets | 0.2530% | 6,291 |
| Noninterest expense to average assets | 1.7898% | 7,618 |
| Loan and lease loss provision to assets | 0.0156% | 7,341 |
| Net operating income to assets | 0.3129% | 4,487 |
| Return on assets (ROA) | 0.3129% | 4,569 |
| Pretax return on assets | 0.4734% | 4,271 |
| Return on Equity (ROE) | 2.5543% | 4,687 |
| Retained earnings to average equity (ytd only) | 2.5543% | 3,362 |
| Net charge-offs to loans | 0.0178% | 6,970 |
| Credit loss provision to net charge-offs | 163.1579% | 2,690 |
| Earnings coverage of net charge-offs (x) | 51.1579% | 509 |
| Efficiency ratio | 78.5430% | 3,113 |
| Assets per employee ($millions) | 6.0194% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3142% | 7,821 |
| Loan loss allowance to noncurrent loans | 32.5147% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 5,950 |
| Noncurrent loans to loans | 0.9663% | 5,382 |
| Net loans and leases to total assets | 51.3166% | 6,497 |
| Net loans and leases to deposits | 58.3476% | 6,761 |
| Net loans and leases to core deposits | 92.4003% | 4,837 |
| Total domestic deposits to total assets | 87.9497% | 1,992 |
| Equity capital to assets | 12.0322% | 2,016 |
| Core capital (leverage) ratio | 12.0322% | 1,654 |
| Tier 1 risk-based capital ratio | 28.9352% | 584 |
| Total risk-based capital ratio | 29.3241% | 617 |
| Memoranda: | ||
| Average total assets | $198,793,400 | 3,198 |
| Average earning assets | $190,463,800 | 3,091 |
| Average equity | $24,350,800 | 2,680 |
| Average total loans | $106,499,800 | 3,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 6,053 |
| Cost of funding earning assets | 3.0083% | 325 |
| Net interest margin | 2.1539% | 7,733 |
| Noninterest income to average assets | 0.2547% | 6,410 |
| Noninterest expense to average assets | 1.7737% | 7,690 |
| Loan and lease loss provision to assets | 0.0081% | 7,242 |
| Net operating income to assets | 0.3574% | 4,563 |
| Return on assets (ROA) | 0.3574% | 4,661 |
| Pretax return on assets | 0.5426% | 4,390 |
| Return on Equity (ROE) | 2.9047% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.9047% | 3,698 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3081% | 3,451 |
| Assets per employee ($millions) | 5.9050% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3132% | 7,899 |
| Loan loss allowance to noncurrent loans | 36.5746% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 6,056 |
| Noncurrent loans to loans | 0.8563% | 5,586 |
| Net loans and leases to total assets | 52.4757% | 6,561 |
| Net loans and leases to deposits | 59.8722% | 6,836 |
| Net loans and leases to core deposits | 96.0988% | 4,805 |
| Total domestic deposits to total assets | 87.6461% | 1,826 |
| Equity capital to assets | 12.2189% | 2,110 |
| Core capital (leverage) ratio | 12.2189% | 1,700 |
| Tier 1 risk-based capital ratio | 29.3136% | 611 |
| Total risk-based capital ratio | 29.7092% | 640 |
| Memoranda: | ||
| Average total assets | $197,327,000 | 3,230 |
| Average earning assets | $189,606,750 | 3,121 |
| Average equity | $24,282,250 | 2,710 |
| Average total loans | $106,786,000 | 3,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2044% | 6,062 |
| Cost of funding earning assets | 3.0159% | 447 |
| Net interest margin | 2.1886% | 7,755 |
| Noninterest income to average assets | 0.2610% | 6,408 |
| Noninterest expense to average assets | 1.7719% | 7,773 |
| Loan and lease loss provision to assets | 0.0122% | 7,091 |
| Net operating income to assets | 0.3843% | 4,569 |
| Return on assets (ROA) | 0.3843% | 4,670 |
| Pretax return on assets | 0.5831% | 4,366 |
| Return on Equity (ROE) | 3.1158% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.1158% | 3,581 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8493% | 3,900 |
| Assets per employee ($millions) | 5.7767% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 7,979 |
| Loan loss allowance to noncurrent loans | 29.9006% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 5,719 |
| Noncurrent loans to loans | 1.0457% | 5,122 |
| Net loans and leases to total assets | 53.7292% | 6,492 |
| Net loans and leases to deposits | 61.4351% | 6,783 |
| Net loans and leases to core deposits | 103.5735% | 4,109 |
| Total domestic deposits to total assets | 87.4568% | 2,030 |
| Equity capital to assets | 12.4129% | 1,967 |
| Core capital (leverage) ratio | 12.4129% | 1,648 |
| Tier 1 risk-based capital ratio | 29.5547% | 626 |
| Total risk-based capital ratio | 29.9560% | 665 |
| Memoranda: | ||
| Average total assets | $196,179,000 | 3,266 |
| Average earning assets | $188,800,330 | 3,156 |
| Average equity | $24,199,000 | 2,729 |
| Average total loans | $107,152,330 | 3,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 6,087 |
| Cost of funding earning assets | 3.0336% | 559 |
| Net interest margin | 2.2232% | 7,775 |
| Noninterest income to average assets | 0.2530% | 6,437 |
| Noninterest expense to average assets | 1.7076% | 7,816 |
| Loan and lease loss provision to assets | 0.0245% | 6,604 |
| Net operating income to assets | 0.4346% | 4,725 |
| Return on assets (ROA) | 0.4346% | 4,899 |
| Pretax return on assets | 0.6590% | 4,561 |
| Return on Equity (ROE) | 3.5340% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.5340% | 3,928 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4164% | 4,287 |
| Assets per employee ($millions) | 5.8006% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3079% | 8,023 |
| Loan loss allowance to noncurrent loans | 47.9016% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 6,064 |
| Noncurrent loans to loans | 0.6429% | 5,806 |
| Net loans and leases to total assets | 54.3350% | 6,428 |
| Net loans and leases to deposits | 61.9817% | 6,740 |
| Net loans and leases to core deposits | 103.5863% | 4,180 |
| Total domestic deposits to total assets | 87.6630% | 1,901 |
| Equity capital to assets | 12.2782% | 2,090 |
| Core capital (leverage) ratio | 12.2782% | 1,772 |
| Tier 1 risk-based capital ratio | 29.1147% | 680 |
| Total risk-based capital ratio | 29.5127% | 719 |
| Memoranda: | ||
| Average total assets | $196,064,000 | 3,285 |
| Average earning assets | $188,556,500 | 3,177 |
| Average equity | $24,108,500 | 2,754 |
| Average total loans | $107,798,500 | 3,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 7,533 |
| Cost of funding earning assets | 3.4997% | 519 |
| Net interest margin | 1.8522% | 8,121 |
| Noninterest income to average assets | 0.3166% | 6,188 |
| Noninterest expense to average assets | 1.6787% | 7,885 |
| Loan and lease loss provision to assets | 0.0036% | 7,308 |
| Net operating income to assets | 0.2587% | 5,681 |
| Return on assets (ROA) | 0.2587% | 5,497 |
| Pretax return on assets | 0.3919% | 5,278 |
| Return on Equity (ROE) | 2.1297% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.1297% | 3,907 |
| Net charge-offs to loans | 0.0049% | 6,910 |
| Credit loss provision to net charge-offs | 140.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | 154.4000% | 297 |
| Efficiency ratio | 80.9336% | 2,462 |
| Assets per employee ($millions) | 5.9063% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3062% | 8,079 |
| Loan loss allowance to noncurrent loans | 41.2718% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 5,430 |
| Noncurrent loans to loans | 0.7419% | 5,175 |
| Net loans and leases to total assets | 55.2955% | 6,521 |
| Net loans and leases to deposits | 63.0712% | 6,872 |
| Net loans and leases to core deposits | 106.5043% | 4,130 |
| Total domestic deposits to total assets | 87.6717% | 1,624 |
| Equity capital to assets | 12.3145% | 2,102 |
| Core capital (leverage) ratio | 12.3145% | 1,828 |
| Tier 1 risk-based capital ratio | 28.9153% | 699 |
| Total risk-based capital ratio | 29.3140% | 740 |
| Memoranda: | ||
| Average total assets | $195,205,800 | 3,199 |
| Average earning assets | $185,243,200 | 3,112 |
| Average equity | $23,712,400 | 2,762 |
| Average total loans | $101,652,200 | 3,901 |