Home > Westmoreland Federal Savings and Loan Association > Performance and Condition Ratios
Westmoreland Federal Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,359 |
| Cost of funding earning assets | 1.9690% | 2,015 |
| Net interest margin | 1.7951% | 4,346 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 1.6210% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1068% | 4,070 |
| Return on assets (ROA) | 0.4638% | 3,652 |
| Pretax return on assets | 0.6144% | 3,558 |
| Return on Equity (ROE) | 1.7600% | 4,023 |
| Retained earnings to average equity (ytd only) | 1.7567% | 3,369 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 90.8847% | 477 |
| Assets per employee ($millions) | 9.2597% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 4,157 |
| Loan loss allowance to noncurrent loans | 52.0599% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 1,527 |
| Noncurrent loans to loans | 1.1677% | 910 |
| Net loans and leases to total assets | 40.9100% | 3,948 |
| Net loans and leases to deposits | 55.9023% | 3,659 |
| Net loans and leases to core deposits | 59.7066% | 3,707 |
| Total domestic deposits to total assets | 73.1700% | 4,110 |
| Equity capital to assets | 26.5673% | 184 |
| Core capital (leverage) ratio | 26.4032% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $167,308,000 | 3,248 |
| Average earning assets | $165,564,500 | 3,166 |
| Average equity | $44,174,000 | 1,898 |
| Average total loans | $68,889,000 | 3,606 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,369 |
| Cost of funding earning assets | 1.8543% | 2,580 |
| Net interest margin | 1.8907% | 4,297 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 1.6165% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.2051% | 3,970 |
| Return on assets (ROA) | 0.3084% | 3,858 |
| Pretax return on assets | 0.3954% | 3,801 |
| Return on Equity (ROE) | 1.1700% | 4,088 |
| Retained earnings to average equity (ytd only) | 1.1735% | 3,632 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.9330% | 687 |
| Assets per employee ($millions) | 9.8789% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 4,188 |
| Loan loss allowance to noncurrent loans | 39.2286% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 1,149 |
| Noncurrent loans to loans | 1.5365% | 617 |
| Net loans and leases to total assets | 40.9500% | 3,978 |
| Net loans and leases to deposits | 55.6266% | 3,731 |
| Net loans and leases to core deposits | 59.1283% | 3,778 |
| Total domestic deposits to total assets | 73.6100% | 4,074 |
| Equity capital to assets | 26.2396% | 181 |
| Core capital (leverage) ratio | 26.4752% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $166,653,600 | 3,227 |
| Average earning assets | $164,911,600 | 3,131 |
| Average equity | $43,801,200 | 1,866 |
| Average total loans | $71,643,200 | 3,540 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,392 |
| Cost of funding earning assets | 1.7964% | 2,724 |
| Net interest margin | 1.9422% | 4,292 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 1.6248% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2448% | 3,934 |
| Return on assets (ROA) | 0.2621% | 3,947 |
| Pretax return on assets | 0.3295% | 3,911 |
| Return on Equity (ROE) | 1.0000% | 4,133 |
| Retained earnings to average equity (ytd only) | 0.9969% | 3,731 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.0730% | 814 |
| Assets per employee ($millions) | 8.7285% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 4,239 |
| Loan loss allowance to noncurrent loans | 51.8657% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 1,442 |
| Noncurrent loans to loans | 1.1342% | 877 |
| Net loans and leases to total assets | 42.4900% | 3,950 |
| Net loans and leases to deposits | 57.9081% | 3,675 |
| Net loans and leases to core deposits | 61.3347% | 3,742 |
| Total domestic deposits to total assets | 73.3800% | 4,090 |
| Equity capital to assets | 26.4710% | 171 |
| Core capital (leverage) ratio | 26.4093% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $166,331,750 | 3,229 |
| Average earning assets | $164,623,250 | 3,139 |
| Average equity | $43,734,750 | 1,873 |
| Average total loans | $72,258,500 | 3,543 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,395 |
| Cost of funding earning assets | 1.6899% | 2,880 |
| Net interest margin | 2.0396% | 4,268 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 1.6313% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3081% | 3,819 |
| Return on assets (ROA) | 0.3508% | 3,793 |
| Pretax return on assets | 0.4517% | 3,725 |
| Return on Equity (ROE) | 1.3400% | 4,108 |
| Retained earnings to average equity (ytd only) | 1.3370% | 3,526 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 80.4026% | 1,094 |
| Assets per employee ($millions) | 8.3061% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 4,265 |
| Loan loss allowance to noncurrent loans | 55.8981% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 1,454 |
| Noncurrent loans to loans | 1.0326% | 887 |
| Net loans and leases to total assets | 43.2400% | 3,936 |
| Net loans and leases to deposits | 58.8004% | 3,634 |
| Net loans and leases to core deposits | 62.2380% | 3,684 |
| Total domestic deposits to total assets | 73.5300% | 4,102 |
| Equity capital to assets | 26.3729% | 171 |
| Core capital (leverage) ratio | 26.3534% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $166,495,000 | 3,236 |
| Average earning assets | $164,741,667 | 3,142 |
| Average equity | $43,679,667 | 1,862 |
| Average total loans | $72,714,667 | 3,536 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 4,432 |
| Cost of funding earning assets | 1.5470% | 3,090 |
| Net interest margin | 2.0998% | 4,257 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 1.6079% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3658% | 3,691 |
| Return on assets (ROA) | 0.4512% | 3,529 |
| Pretax return on assets | 0.5903% | 3,409 |
| Return on Equity (ROE) | 1.7200% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.7242% | 3,309 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.9231% | 1,457 |
| Assets per employee ($millions) | 8.8337% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5775% | 4,260 |
| Loan loss allowance to noncurrent loans | 47.5485% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,219 |
| Noncurrent loans to loans | 1.2145% | 682 |
| Net loans and leases to total assets | 42.7800% | 3,934 |
| Net loans and leases to deposits | 57.8965% | 3,628 |
| Net loans and leases to core deposits | 60.8140% | 3,743 |
| Total domestic deposits to total assets | 73.8800% | 4,141 |
| Equity capital to assets | 26.0419% | 179 |
| Core capital (leverage) ratio | 26.2353% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $166,682,000 | 3,237 |
| Average earning assets | $164,969,500 | 3,148 |
| Average equity | $43,614,000 | 1,850 |
| Average total loans | $72,950,000 | 3,532 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 4,447 |
| Cost of funding earning assets | 1.1057% | 3,056 |
| Net interest margin | 2.2406% | 4,290 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 1.6045% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4744% | 3,725 |
| Return on assets (ROA) | 0.4901% | 3,686 |
| Pretax return on assets | 0.6454% | 3,544 |
| Return on Equity (ROE) | 1.8900% | 4,168 |
| Retained earnings to average equity (ytd only) | 1.8891% | 3,605 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.9492% | 1,665 |
| Assets per employee ($millions) | 8.2762% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 4,284 |
| Loan loss allowance to noncurrent loans | 38.2920% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 810 |
| Noncurrent loans to loans | 1.4778% | 466 |
| Net loans and leases to total assets | 44.2700% | 3,886 |
| Net loans and leases to deposits | 60.1665% | 3,514 |
| Net loans and leases to core deposits | 63.2042% | 3,628 |
| Total domestic deposits to total assets | 73.5700% | 4,130 |
| Equity capital to assets | 26.2918% | 181 |
| Core capital (leverage) ratio | 26.5284% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,094,200 | 3,223 |
| Average earning assets | $164,510,200 | 3,139 |
| Average equity | $43,088,400 | 1,786 |
| Average total loans | $74,214,400 | 3,491 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 4,460 |
| Cost of funding earning assets | 1.0056% | 3,017 |
| Net interest margin | 2.2760% | 4,313 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.5961% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5062% | 3,750 |
| Return on assets (ROA) | 0.5125% | 3,731 |
| Pretax return on assets | 0.6777% | 3,594 |
| Return on Equity (ROE) | 1.9800% | 4,198 |
| Retained earnings to average equity (ytd only) | 1.9822% | 3,730 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.4425% | 1,736 |
| Assets per employee ($millions) | 8.2166% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 4,306 |
| Loan loss allowance to noncurrent loans | 32.7316% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 718 |
| Noncurrent loans to loans | 1.7320% | 385 |
| Net loans and leases to total assets | 44.5100% | 3,895 |
| Net loans and leases to deposits | 60.4648% | 3,483 |
| Net loans and leases to core deposits | 63.5144% | 3,556 |
| Total domestic deposits to total assets | 73.6100% | 4,185 |
| Equity capital to assets | 26.3150% | 183 |
| Core capital (leverage) ratio | 26.2811% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,237,000 | 3,229 |
| Average earning assets | $164,673,750 | 3,149 |
| Average equity | $42,980,750 | 1,774 |
| Average total loans | $74,345,750 | 3,493 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2015% | 4,498 |
| Cost of funding earning assets | 0.8636% | 3,041 |
| Net interest margin | 2.3379% | 4,341 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 1.5880% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5561% | 3,686 |
| Return on assets (ROA) | 0.5513% | 3,702 |
| Pretax return on assets | 0.7335% | 3,533 |
| Return on Equity (ROE) | 2.1400% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.1449% | 3,692 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2286% | 1,962 |
| Assets per employee ($millions) | 7.9122% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5672% | 4,329 |
| Loan loss allowance to noncurrent loans | 30.9577% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 632 |
| Noncurrent loans to loans | 1.8321% | 328 |
| Net loans and leases to total assets | 44.0000% | 3,874 |
| Net loans and leases to deposits | 59.4382% | 3,457 |
| Net loans and leases to core deposits | 62.2285% | 3,529 |
| Total domestic deposits to total assets | 74.0200% | 4,193 |
| Equity capital to assets | 25.9449% | 184 |
| Core capital (leverage) ratio | 26.0993% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $166,872,000 | 3,235 |
| Average earning assets | $165,359,333 | 3,155 |
| Average equity | $42,893,000 | 1,790 |
| Average total loans | $74,608,667 | 3,496 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1388% | 4,516 |
| Cost of funding earning assets | 0.7069% | 3,034 |
| Net interest margin | 2.4319% | 4,361 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 1.5739% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6375% | 3,614 |
| Return on assets (ROA) | 0.6243% | 3,605 |
| Pretax return on assets | 0.8300% | 3,395 |
| Return on Equity (ROE) | 2.4400% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.4401% | 3,619 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0198% | 2,325 |
| Assets per employee ($millions) | 7.9762% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 4,398 |
| Loan loss allowance to noncurrent loans | 65.4631% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,359 |
| Noncurrent loans to loans | 0.8551% | 888 |
| Net loans and leases to total assets | 44.2200% | 3,855 |
| Net loans and leases to deposits | 59.4967% | 3,368 |
| Net loans and leases to core deposits | 62.1254% | 3,442 |
| Total domestic deposits to total assets | 74.3300% | 4,267 |
| Equity capital to assets | 25.6519% | 146 |
| Core capital (leverage) ratio | 25.6986% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $167,230,000 | 3,279 |
| Average earning assets | $165,797,500 | 3,182 |
| Average equity | $42,785,000 | 1,810 |
| Average total loans | $75,151,500 | 3,526 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3247% | 4,559 |
| Cost of funding earning assets | 0.2455% | 3,359 |
| Net interest margin | 2.0791% | 4,533 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.5165% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4430% | 4,187 |
| Return on assets (ROA) | 0.4286% | 4,171 |
| Pretax return on assets | 0.5578% | 4,092 |
| Return on Equity (ROE) | 1.7200% | 4,411 |
| Retained earnings to average equity (ytd only) | 1.7177% | 4,037 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3051% | 1,409 |
| Assets per employee ($millions) | 7.5891% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 4,396 |
| Loan loss allowance to noncurrent loans | 58.6498% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,205 |
| Noncurrent loans to loans | 0.9378% | 792 |
| Net loans and leases to total assets | 45.1600% | 3,839 |
| Net loans and leases to deposits | 60.6347% | 3,293 |
| Net loans and leases to core deposits | 62.4472% | 3,366 |
| Total domestic deposits to total assets | 74.4700% | 4,339 |
| Equity capital to assets | 25.5169% | 143 |
| Core capital (leverage) ratio | 25.6493% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $169,403,400 | 3,273 |
| Average earning assets | $167,809,800 | 3,180 |
| Average equity | $42,265,800 | 1,849 |
| Average total loans | $76,093,000 | 3,471 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1552% | 4,574 |
| Cost of funding earning assets | 0.2027% | 3,235 |
| Net interest margin | 1.9525% | 4,564 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.5183% | 4,401 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3585% | 4,309 |
| Return on assets (ROA) | 0.3411% | 4,285 |
| Pretax return on assets | 0.4345% | 4,229 |
| Return on Equity (ROE) | 1.3700% | 4,466 |
| Retained earnings to average equity (ytd only) | 1.3750% | 4,162 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.6429% | 1,026 |
| Assets per employee ($millions) | 7.2556% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5425% | 4,440 |
| Loan loss allowance to noncurrent loans | 62.6126% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,357 |
| Noncurrent loans to loans | 0.8664% | 907 |
| Net loans and leases to total assets | 45.8100% | 3,775 |
| Net loans and leases to deposits | 61.3738% | 3,081 |
| Net loans and leases to core deposits | 62.4196% | 3,221 |
| Total domestic deposits to total assets | 74.6400% | 4,430 |
| Equity capital to assets | 25.3473% | 138 |
| Core capital (leverage) ratio | 25.0040% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $170,014,250 | 3,296 |
| Average earning assets | $168,391,750 | 3,194 |
| Average equity | $42,181,500 | 1,877 |
| Average total loans | $76,163,250 | 3,481 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9797% | 4,630 |
| Cost of funding earning assets | 0.2066% | 2,830 |
| Net interest margin | 1.7731% | 4,635 |
| Noninterest income to average assets | 0.0269% | 4,687 |
| Noninterest expense to average assets | 1.5036% | 4,414 |
| Loan and lease loss provision to assets | 0.0012% | 2,586 |
| Net operating income to assets | 0.2383% | 4,374 |
| Return on assets (ROA) | 0.2011% | 4,379 |
| Pretax return on assets | 0.2350% | 4,370 |
| Return on Equity (ROE) | 0.8163% | 4,481 |
| Retained earnings to average equity (ytd only) | 0.8163% | 4,031 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3279% | 668 |
| Assets per employee ($millions) | 7.8010% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 4,517 |
| Loan loss allowance to noncurrent loans | 57.6438% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,154 |
| Noncurrent loans to loans | 0.9257% | 905 |
| Net loans and leases to total assets | 44.6400% | 3,783 |
| Net loans and leases to deposits | 59.1708% | 3,117 |
| Net loans and leases to core deposits | 60.3634% | 3,248 |
| Total domestic deposits to total assets | 75.4425% | 4,486 |
| Equity capital to assets | 24.5371% | 98 |
| Core capital (leverage) ratio | 24.6792% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,059,667 | 3,324 |
| Average earning assets | $169,422,667 | 3,221 |
| Average equity | $42,142,333 | 1,926 |
| Average total loans | $75,929,000 | 3,515 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8588% | 4,654 |
| Cost of funding earning assets | 0.2199% | 2,530 |
| Net interest margin | 1.6389% | 4,662 |
| Noninterest income to average assets | 0.0070% | 4,745 |
| Noninterest expense to average assets | 1.5131% | 4,410 |
| Loan and lease loss provision to assets | 0.0023% | 2,253 |
| Net operating income to assets | 0.1312% | 4,432 |
| Return on assets (ROA) | 0.1218% | 4,409 |
| Pretax return on assets | 0.1054% | 4,441 |
| Return on Equity (ROE) | 0.4934% | 4,484 |
| Retained earnings to average equity (ytd only) | 0.4934% | 3,922 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8161% | 431 |
| Assets per employee ($millions) | 8.1518% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 4,545 |
| Loan loss allowance to noncurrent loans | 70.3259% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 1,350 |
| Noncurrent loans to loans | 0.7815% | 1,218 |
| Net loans and leases to total assets | 43.3362% | 3,789 |
| Net loans and leases to deposits | 57.4764% | 3,125 |
| Net loans and leases to core deposits | 58.8194% | 3,252 |
| Total domestic deposits to total assets | 75.3982% | 4,526 |
| Equity capital to assets | 24.5854% | 92 |
| Core capital (leverage) ratio | 24.6752% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,778,500 | 3,340 |
| Average earning assets | $169,142,500 | 3,232 |
| Average equity | $42,158,000 | 1,973 |
| Average total loans | $75,382,000 | 3,537 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7955% | 4,718 |
| Cost of funding earning assets | 0.3630% | 1,823 |
| Net interest margin | 1.4325% | 4,731 |
| Noninterest income to average assets | 0.0129% | 4,780 |
| Noninterest expense to average assets | 1.4688% | 4,572 |
| Loan and lease loss provision to assets | 0.0041% | 2,993 |
| Net operating income to assets | -0.0173% | 4,688 |
| Return on assets (ROA) | -0.0800% | 4,709 |
| Pretax return on assets | -0.1192% | 4,714 |
| Return on Equity (ROE) | -0.3236% | 4,702 |
| Retained earnings to average equity (ytd only) | -0.3236% | 4,533 |
| Net charge-offs to loans | 0.0013% | 2,615 |
| Credit loss provision to net charge-offs | 700.0000% | 660 |
| Earnings coverage of net charge-offs (x) | -61.0000% | 2,694 |
| Efficiency ratio | 102.4868% | 129 |
| Assets per employee ($millions) | 8.5185% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 4,593 |
| Loan loss allowance to noncurrent loans | 56.5698% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 1,246 |
| Noncurrent loans to loans | 0.9492% | 1,064 |
| Net loans and leases to total assets | 44.4673% | 3,802 |
| Net loans and leases to deposits | 59.1281% | 3,156 |
| Net loans and leases to core deposits | 60.6426% | 3,270 |
| Total domestic deposits to total assets | 75.2051% | 4,544 |
| Equity capital to assets | 24.7866% | 93 |
| Core capital (leverage) ratio | 24.7395% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,165,400 | 3,291 |
| Average earning assets | $169,697,600 | 3,191 |
| Average equity | $42,332,600 | 2,006 |
| Average total loans | $74,495,600 | 3,577 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7935% | 4,796 |
| Cost of funding earning assets | 0.4017% | 1,682 |
| Net interest margin | 1.3918% | 4,823 |
| Noninterest income to average assets | 0.0132% | 4,855 |
| Noninterest expense to average assets | 1.4814% | 4,611 |
| Loan and lease loss provision to assets | 0.0018% | 2,935 |
| Net operating income to assets | -0.0520% | 4,760 |
| Return on assets (ROA) | -0.1362% | 4,790 |
| Pretax return on assets | -0.1961% | 4,799 |
| Return on Equity (ROE) | -0.5508% | 4,773 |
| Retained earnings to average equity (ytd only) | -0.5508% | 4,620 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3093% | 120 |
| Assets per employee ($millions) | 8.4474% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 4,681 |
| Loan loss allowance to noncurrent loans | 54.3624% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,713 |
| Noncurrent loans to loans | 0.9814% | 1,173 |
| Net loans and leases to total assets | 44.6927% | 3,890 |
| Net loans and leases to deposits | 59.5989% | 3,268 |
| Net loans and leases to core deposits | 61.1175% | 3,392 |
| Total domestic deposits to total assets | 74.9892% | 4,602 |
| Equity capital to assets | 25.0001% | 96 |
| Core capital (leverage) ratio | 24.6515% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,364,250 | 3,319 |
| Average earning assets | $169,946,500 | 3,217 |
| Average equity | $42,358,500 | 2,029 |
| Average total loans | $74,077,500 | 3,628 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7659% | 4,843 |
| Cost of funding earning assets | 0.4450% | 1,557 |
| Net interest margin | 1.3209% | 4,863 |
| Noninterest income to average assets | 0.0128% | 4,893 |
| Noninterest expense to average assets | 1.4555% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0846% | 4,797 |
| Return on assets (ROA) | -0.1580% | 4,828 |
| Pretax return on assets | -0.2254% | 4,837 |
| Return on Equity (ROE) | -0.6415% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.6415% | 4,577 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0088% | 102 |
| Assets per employee ($millions) | 8.1783% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5375% | 4,711 |
| Loan loss allowance to noncurrent loans | 49.5695% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 1,772 |
| Noncurrent loans to loans | 1.0844% | 1,118 |
| Net loans and leases to total assets | 43.4202% | 4,082 |
| Net loans and leases to deposits | 57.6157% | 3,580 |
| Net loans and leases to core deposits | 59.2862% | 3,671 |
| Total domestic deposits to total assets | 75.3617% | 4,597 |
| Equity capital to assets | 24.6290% | 100 |
| Core capital (leverage) ratio | 24.4655% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,170,000 | 3,315 |
| Average earning assets | $170,787,333 | 3,211 |
| Average equity | $42,399,000 | 2,018 |
| Average total loans | $73,466,000 | 3,662 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7267% | 4,882 |
| Cost of funding earning assets | 0.4913% | 1,446 |
| Net interest margin | 1.2353% | 4,907 |
| Noninterest income to average assets | 0.0116% | 4,921 |
| Noninterest expense to average assets | 1.4178% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1236% | 4,815 |
| Return on assets (ROA) | -0.1694% | 4,827 |
| Pretax return on assets | -0.2390% | 4,846 |
| Return on Equity (ROE) | -0.6879% | 4,812 |
| Retained earnings to average equity (ytd only) | -0.6879% | 4,428 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6341% | 89 |
| Assets per employee ($millions) | 8.6446% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 4,735 |
| Loan loss allowance to noncurrent loans | 44.2857% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 1,802 |
| Noncurrent loans to loans | 1.2515% | 1,042 |
| Net loans and leases to total assets | 41.8244% | 4,243 |
| Net loans and leases to deposits | 55.4154% | 3,834 |
| Net loans and leases to core deposits | 57.0267% | 3,909 |
| Total domestic deposits to total assets | 75.4743% | 4,609 |
| Equity capital to assets | 24.5061% | 101 |
| Core capital (leverage) ratio | 24.5149% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,382,500 | 3,308 |
| Average earning assets | $170,964,000 | 3,201 |
| Average equity | $42,449,000 | 2,004 |
| Average total loans | $72,711,500 | 3,692 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1020% | 4,906 |
| Cost of funding earning assets | 0.9238% | 791 |
| Net interest margin | 1.1782% | 4,946 |
| Noninterest income to average assets | 0.0093% | 4,940 |
| Noninterest expense to average assets | 1.3740% | 4,846 |
| Loan and lease loss provision to assets | 0.0104% | 4,231 |
| Net operating income to assets | -0.1376% | 4,804 |
| Return on assets (ROA) | -0.1655% | 4,825 |
| Pretax return on assets | -0.2419% | 4,832 |
| Return on Equity (ROE) | -0.6705% | 4,805 |
| Retained earnings to average equity (ytd only) | -0.6705% | 4,609 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6585% | 88 |
| Assets per employee ($millions) | 9.0459% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5543% | 4,753 |
| Loan loss allowance to noncurrent loans | 40.5025% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 1,826 |
| Noncurrent loans to loans | 1.3685% | 994 |
| Net loans and leases to total assets | 42.0694% | 4,346 |
| Net loans and leases to deposits | 55.9086% | 4,006 |
| Net loans and leases to core deposits | 57.5424% | 4,072 |
| Total domestic deposits to total assets | 75.2468% | 4,561 |
| Equity capital to assets | 24.7444% | 100 |
| Core capital (leverage) ratio | 24.6195% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,780,200 | 3,171 |
| Average earning assets | $171,359,600 | 3,059 |
| Average equity | $42,655,600 | 1,918 |
| Average total loans | $69,730,400 | 3,744 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2178% | 4,946 |
| Cost of funding earning assets | 1.0048% | 751 |
| Net interest margin | 1.2130% | 4,990 |
| Noninterest income to average assets | 0.0108% | 4,967 |
| Noninterest expense to average assets | 1.3633% | 4,882 |
| Loan and lease loss provision to assets | 0.0098% | 4,179 |
| Net operating income to assets | -0.0993% | 4,815 |
| Return on assets (ROA) | -0.1595% | 4,840 |
| Pretax return on assets | -0.2358% | 4,849 |
| Return on Equity (ROE) | -0.6465% | 4,820 |
| Retained earnings to average equity (ytd only) | -0.6465% | 4,573 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3175% | 103 |
| Assets per employee ($millions) | 8.6216% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 4,777 |
| Loan loss allowance to noncurrent loans | 41.4152% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,049 |
| Noncurrent loans to loans | 1.3182% | 1,124 |
| Net loans and leases to total assets | 42.0467% | 4,497 |
| Net loans and leases to deposits | 55.8709% | 4,269 |
| Net loans and leases to core deposits | 57.8498% | 4,310 |
| Total domestic deposits to total assets | 75.2569% | 4,482 |
| Equity capital to assets | 24.7292% | 106 |
| Core capital (leverage) ratio | 24.4041% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,007,000 | 3,153 |
| Average earning assets | $171,579,750 | 3,041 |
| Average equity | $42,687,250 | 1,903 |
| Average total loans | $68,985,750 | 3,772 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3950% | 4,980 |
| Cost of funding earning assets | 1.0618% | 813 |
| Net interest margin | 1.3331% | 5,023 |
| Noninterest income to average assets | 0.0104% | 4,994 |
| Noninterest expense to average assets | 1.3418% | 4,925 |
| Loan and lease loss provision to assets | 0.0150% | 4,039 |
| Net operating income to assets | -0.0197% | 4,797 |
| Return on assets (ROA) | -0.0889% | 4,830 |
| Pretax return on assets | -0.1097% | 4,825 |
| Return on Equity (ROE) | -0.3606% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.3606% | 4,375 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6932% | 174 |
| Assets per employee ($millions) | 8.7112% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 4,775 |
| Loan loss allowance to noncurrent loans | 31.3633% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,688 |
| Noncurrent loans to loans | 1.8128% | 775 |
| Net loans and leases to total assets | 39.9517% | 4,607 |
| Net loans and leases to deposits | 52.9735% | 4,411 |
| Net loans and leases to core deposits | 54.9590% | 4,464 |
| Total domestic deposits to total assets | 75.4183% | 4,484 |
| Equity capital to assets | 24.5450% | 106 |
| Core capital (leverage) ratio | 24.4853% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,198,667 | 3,135 |
| Average earning assets | $171,777,333 | 3,034 |
| Average equity | $42,702,667 | 1,897 |
| Average total loans | $67,681,000 | 3,796 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5131% | 5,046 |
| Cost of funding earning assets | 1.0884% | 1,082 |
| Net interest margin | 1.4247% | 5,083 |
| Noninterest income to average assets | 0.0069% | 5,048 |
| Noninterest expense to average assets | 1.4269% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0116% | 4,742 |
| Return on assets (ROA) | 0.0116% | 4,729 |
| Pretax return on assets | -0.0069% | 4,738 |
| Return on Equity (ROE) | 0.0469% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.0469% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4894% | 230 |
| Assets per employee ($millions) | 8.6339% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 4,785 |
| Loan loss allowance to noncurrent loans | 33.0189% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 1,973 |
| Noncurrent loans to loans | 1.7611% | 854 |
| Net loans and leases to total assets | 38.1197% | 4,725 |
| Net loans and leases to deposits | 50.7154% | 4,570 |
| Net loans and leases to core deposits | 52.6301% | 4,614 |
| Total domestic deposits to total assets | 75.1640% | 4,571 |
| Equity capital to assets | 24.7479% | 118 |
| Core capital (leverage) ratio | 24.5468% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,686,500 | 3,108 |
| Average earning assets | $171,265,500 | 3,007 |
| Average equity | $42,672,500 | 1,889 |
| Average total loans | $66,520,000 | 3,827 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7052% | 5,107 |
| Cost of funding earning assets | 1.0477% | 1,522 |
| Net interest margin | 1.6575% | 5,128 |
| Noninterest income to average assets | 0.0152% | 5,103 |
| Noninterest expense to average assets | 1.4974% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1358% | 4,902 |
| Return on assets (ROA) | 0.1358% | 4,922 |
| Pretax return on assets | 0.1591% | 4,911 |
| Return on Equity (ROE) | 0.5494% | 4,958 |
| Retained earnings to average equity (ytd only) | 0.5494% | 4,537 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3941% | 343 |
| Assets per employee ($millions) | 8.2236% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5761% | 4,784 |
| Loan loss allowance to noncurrent loans | 28.2465% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,638 |
| Noncurrent loans to loans | 2.0395% | 624 |
| Net loans and leases to total assets | 38.4757% | 4,787 |
| Net loans and leases to deposits | 51.1237% | 4,642 |
| Net loans and leases to core deposits | 52.9349% | 4,676 |
| Total domestic deposits to total assets | 75.2600% | 4,680 |
| Equity capital to assets | 24.6740% | 126 |
| Core capital (leverage) ratio | 24.7689% | 128 |
| Tier 1 risk-based capital ratio | 62.3537% | 88 |
| Total risk-based capital ratio | 63.0411% | 88 |
| Memoranda: | ||
| Average total assets | $171,560,000 | 3,098 |
| Average earning assets | $169,893,000 | 2,988 |
| Average equity | $42,406,800 | 1,838 |
| Average total loans | $66,545,800 | 3,845 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7443% | 5,191 |
| Cost of funding earning assets | 1.0285% | 1,637 |
| Net interest margin | 1.7158% | 5,209 |
| Noninterest income to average assets | 0.0156% | 5,181 |
| Noninterest expense to average assets | 1.5032% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1736% | 4,968 |
| Return on assets (ROA) | 0.1736% | 4,981 |
| Pretax return on assets | 0.2110% | 4,980 |
| Return on Equity (ROE) | 0.7020% | 5,036 |
| Retained earnings to average equity (ytd only) | 0.7020% | 4,625 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6930% | 412 |
| Assets per employee ($millions) | 8.1675% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 4,821 |
| Loan loss allowance to noncurrent loans | 38.1944% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 2,240 |
| Noncurrent loans to loans | 1.5721% | 941 |
| Net loans and leases to total assets | 37.1582% | 4,899 |
| Net loans and leases to deposits | 49.4806% | 4,790 |
| Net loans and leases to core deposits | 51.1374% | 4,814 |
| Total domestic deposits to total assets | 75.0965% | 4,739 |
| Equity capital to assets | 24.8598% | 129 |
| Core capital (leverage) ratio | 24.5908% | 126 |
| Tier 1 risk-based capital ratio | 59.2358% | 97 |
| Total risk-based capital ratio | 59.9225% | 97 |
| Memoranda: | ||
| Average total assets | $171,276,000 | 3,133 |
| Average earning assets | $169,558,750 | 3,020 |
| Average equity | $42,355,750 | 1,850 |
| Average total loans | $66,474,500 | 3,886 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7402% | 5,252 |
| Cost of funding earning assets | 0.9929% | 1,729 |
| Net interest margin | 1.7473% | 5,262 |
| Noninterest income to average assets | 0.0187% | 5,220 |
| Noninterest expense to average assets | 1.5257% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1822% | 5,012 |
| Return on assets (ROA) | 0.1822% | 5,019 |
| Pretax return on assets | 0.2220% | 5,010 |
| Return on Equity (ROE) | 0.7383% | 5,068 |
| Retained earnings to average equity (ytd only) | 0.7383% | 4,501 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2995% | 477 |
| Assets per employee ($millions) | 8.5968% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 4,907 |
| Loan loss allowance to noncurrent loans | 36.0487% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 2,165 |
| Noncurrent loans to loans | 1.6142% | 954 |
| Net loans and leases to total assets | 38.2561% | 4,906 |
| Net loans and leases to deposits | 50.8362% | 4,776 |
| Net loans and leases to core deposits | 52.4024% | 4,811 |
| Total domestic deposits to total assets | 75.2536% | 4,746 |
| Equity capital to assets | 24.7342% | 129 |
| Core capital (leverage) ratio | 24.6260% | 123 |
| Tier 1 risk-based capital ratio | 67.6613% | 74 |
| Total risk-based capital ratio | 68.3829% | 76 |
| Memoranda: | ||
| Average total assets | $171,195,330 | 3,148 |
| Average earning assets | $169,406,000 | 3,029 |
| Average equity | $42,261,330 | 1,853 |
| Average total loans | $67,260,000 | 3,899 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7709% | 5,310 |
| Cost of funding earning assets | 0.9473% | 1,807 |
| Net interest margin | 1.8236% | 5,329 |
| Noninterest income to average assets | 0.0094% | 5,292 |
| Noninterest expense to average assets | 1.5689% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1967% | 5,010 |
| Return on assets (ROA) | 0.1967% | 5,016 |
| Pretax return on assets | 0.2435% | 5,006 |
| Return on Equity (ROE) | 0.7976% | 5,094 |
| Retained earnings to average equity (ytd only) | 0.7976% | 4,363 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5633% | 544 |
| Assets per employee ($millions) | 8.2077% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 4,982 |
| Loan loss allowance to noncurrent loans | 40.3141% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 2,048 |
| Noncurrent loans to loans | 1.4229% | 1,141 |
| Net loans and leases to total assets | 38.7170% | 4,931 |
| Net loans and leases to deposits | 51.4074% | 4,767 |
| Net loans and leases to core deposits | 52.6759% | 4,822 |
| Total domestic deposits to total assets | 75.3140% | 4,833 |
| Equity capital to assets | 24.5549% | 122 |
| Core capital (leverage) ratio | 24.7234% | 115 |
| Tier 1 risk-based capital ratio | 65.5757% | 73 |
| Total risk-based capital ratio | 66.2825% | 75 |
| Memoranda: | ||
| Average total assets | $170,825,000 | 3,187 |
| Average earning assets | $168,898,500 | 3,066 |
| Average equity | $42,128,500 | 1,851 |
| Average total loans | $67,809,500 | 3,927 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5894% | 5,333 |
| Cost of funding earning assets | 0.7932% | 1,558 |
| Net interest margin | 1.7962% | 5,356 |
| Noninterest income to average assets | 0.0207% | 5,319 |
| Noninterest expense to average assets | 1.4899% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2441% | 5,067 |
| Return on assets (ROA) | 0.2441% | 5,064 |
| Pretax return on assets | 0.3067% | 5,037 |
| Return on Equity (ROE) | 0.9897% | 5,163 |
| Retained earnings to average equity (ytd only) | 0.9897% | 4,706 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9276% | 709 |
| Assets per employee ($millions) | 7.6950% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 5,037 |
| Loan loss allowance to noncurrent loans | 36.8774% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 1,857 |
| Noncurrent loans to loans | 1.5241% | 995 |
| Net loans and leases to total assets | 40.2365% | 4,939 |
| Net loans and leases to deposits | 53.5373% | 4,769 |
| Net loans and leases to core deposits | 54.8593% | 4,818 |
| Total domestic deposits to total assets | 75.1561% | 4,855 |
| Equity capital to assets | 24.7707% | 111 |
| Core capital (leverage) ratio | 25.0421% | 112 |
| Tier 1 risk-based capital ratio | 68.4678% | 69 |
| Total risk-based capital ratio | 69.0983% | 69 |
| Memoranda: | ||
| Average total assets | $169,202,000 | 3,181 |
| Average earning assets | $167,297,600 | 3,052 |
| Average equity | $41,727,800 | 1,793 |
| Average total loans | $68,762,200 | 3,895 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5705% | 5,400 |
| Cost of funding earning assets | 0.7604% | 1,535 |
| Net interest margin | 1.8101% | 5,426 |
| Noninterest income to average assets | 0.0134% | 5,403 |
| Noninterest expense to average assets | 1.4737% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2609% | 5,141 |
| Return on assets (ROA) | 0.2609% | 5,135 |
| Pretax return on assets | 0.3294% | 5,109 |
| Return on Equity (ROE) | 1.0589% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.0589% | 4,843 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7308% | 798 |
| Assets per employee ($millions) | 7.9750% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 5,105 |
| Loan loss allowance to noncurrent loans | 28.4553% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 1,657 |
| Noncurrent loans to loans | 1.9707% | 757 |
| Net loans and leases to total assets | 40.7640% | 5,006 |
| Net loans and leases to deposits | 54.2916% | 4,812 |
| Net loans and leases to core deposits | 55.5289% | 4,857 |
| Total domestic deposits to total assets | 75.0836% | 4,872 |
| Equity capital to assets | 24.8824% | 114 |
| Core capital (leverage) ratio | 24.9162% | 111 |
| Tier 1 risk-based capital ratio | 77.0090% | 52 |
| Total risk-based capital ratio | 77.7452% | 52 |
| Memoranda: | ||
| Average total assets | $169,180,250 | 3,204 |
| Average earning assets | $167,276,500 | 3,080 |
| Average equity | $41,676,250 | 1,804 |
| Average total loans | $68,827,500 | 3,935 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5463% | 5,468 |
| Cost of funding earning assets | 0.7197% | 1,527 |
| Net interest margin | 1.8266% | 5,487 |
| Noninterest income to average assets | 0.0153% | 5,464 |
| Noninterest expense to average assets | 1.4787% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2710% | 5,158 |
| Return on assets (ROA) | 0.2710% | 5,150 |
| Pretax return on assets | 0.3429% | 5,114 |
| Return on Equity (ROE) | 1.1037% | 5,262 |
| Retained earnings to average equity (ytd only) | 1.1037% | 4,733 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1772% | 902 |
| Assets per employee ($millions) | 8.4283% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,182 |
| Loan loss allowance to noncurrent loans | 36.5970% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 2,122 |
| Noncurrent loans to loans | 1.5238% | 1,096 |
| Net loans and leases to total assets | 40.7277% | 5,034 |
| Net loans and leases to deposits | 54.1056% | 4,841 |
| Net loans and leases to core deposits | 55.1886% | 4,890 |
| Total domestic deposits to total assets | 75.2744% | 4,929 |
| Equity capital to assets | 24.7138% | 112 |
| Core capital (leverage) ratio | 24.8285% | 107 |
| Tier 1 risk-based capital ratio | 70.4971% | 66 |
| Total risk-based capital ratio | 71.1861% | 67 |
| Memoranda: | ||
| Average total assets | $169,748,330 | 3,219 |
| Average earning assets | $167,854,330 | 3,092 |
| Average equity | $41,677,670 | 1,804 |
| Average total loans | $68,885,000 | 3,956 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5195% | 5,533 |
| Cost of funding earning assets | 0.6910% | 1,490 |
| Net interest margin | 1.8285% | 5,551 |
| Noninterest income to average assets | 0.0235% | 5,525 |
| Noninterest expense to average assets | 1.4794% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2794% | 5,125 |
| Return on assets (ROA) | 0.2794% | 5,126 |
| Pretax return on assets | 0.3522% | 5,098 |
| Return on Equity (ROE) | 1.1418% | 5,293 |
| Retained earnings to average equity (ytd only) | 1.1418% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 1,064 |
| Assets per employee ($millions) | 8.5522% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5626% | 5,248 |
| Loan loss allowance to noncurrent loans | 44.5602% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,575 |
| Noncurrent loans to loans | 1.2626% | 1,427 |
| Net loans and leases to total assets | 39.7833% | 5,077 |
| Net loans and leases to deposits | 52.6354% | 4,857 |
| Net loans and leases to core deposits | 53.6796% | 4,923 |
| Total domestic deposits to total assets | 75.5829% | 5,010 |
| Equity capital to assets | 24.3160% | 113 |
| Core capital (leverage) ratio | 24.5367% | 113 |
| Tier 1 risk-based capital ratio | 64.3776% | 78 |
| Total risk-based capital ratio | 64.9931% | 78 |
| Memoranda: | ||
| Average total assets | $170,339,500 | 3,246 |
| Average earning assets | $168,447,500 | 3,116 |
| Average equity | $41,687,000 | 1,809 |
| Average total loans | $68,808,500 | 3,992 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4020% | 5,577 |
| Cost of funding earning assets | 0.6487% | 1,299 |
| Net interest margin | 1.7533% | 5,600 |
| Noninterest income to average assets | 0.0353% | 5,563 |
| Noninterest expense to average assets | 1.4125% | 5,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2312% | 5,046 |
| Return on assets (ROA) | 0.2312% | 5,064 |
| Pretax return on assets | 0.3577% | 5,142 |
| Return on Equity (ROE) | 0.9432% | 5,238 |
| Retained earnings to average equity (ytd only) | 0.9432% | 4,641 |
| Net charge-offs to loans | 0.0029% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 287 |
| Efficiency ratio | 79.7940% | 1,127 |
| Assets per employee ($millions) | 8.0779% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 5,315 |
| Loan loss allowance to noncurrent loans | 44.3038% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 2,581 |
| Noncurrent loans to loans | 1.2561% | 1,400 |
| Net loans and leases to total assets | 40.5577% | 5,113 |
| Net loans and leases to deposits | 53.8581% | 4,906 |
| Net loans and leases to core deposits | 54.9354% | 4,968 |
| Total domestic deposits to total assets | 75.3046% | 5,055 |
| Equity capital to assets | 24.6311% | 106 |
| Core capital (leverage) ratio | 24.8566% | 102 |
| Tier 1 risk-based capital ratio | 68.9239% | 63 |
| Total risk-based capital ratio | 69.6639% | 63 |
| Memoranda: | ||
| Average total assets | $169,984,000 | 3,246 |
| Average earning assets | $168,194,800 | 3,099 |
| Average equity | $41,666,000 | 1,789 |
| Average total loans | $69,151,600 | 3,986 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3971% | 5,642 |
| Cost of funding earning assets | 0.6401% | 1,305 |
| Net interest margin | 1.7570% | 5,671 |
| Noninterest income to average assets | 0.0455% | 5,622 |
| Noninterest expense to average assets | 1.3978% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2634% | 5,280 |
| Return on assets (ROA) | 0.2634% | 5,295 |
| Pretax return on assets | 0.3865% | 5,207 |
| Return on Equity (ROE) | 1.0759% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.0759% | 4,955 |
| Net charge-offs to loans | 0.0039% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 246.1873% | 360 |
| Efficiency ratio | 78.3392% | 1,287 |
| Assets per employee ($millions) | 8.0035% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5684% | 5,378 |
| Loan loss allowance to noncurrent loans | 35.1277% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 2,308 |
| Noncurrent loans to loans | 1.6180% | 1,131 |
| Net loans and leases to total assets | 40.0722% | 5,195 |
| Net loans and leases to deposits | 53.4125% | 4,989 |
| Net loans and leases to core deposits | 54.2702% | 5,062 |
| Total domestic deposits to total assets | 75.0241% | 5,121 |
| Equity capital to assets | 24.8962% | 105 |
| Core capital (leverage) ratio | 24.5930% | 107 |
| Tier 1 risk-based capital ratio | 80.6007% | 52 |
| Total risk-based capital ratio | 81.4943% | 52 |
| Memoranda: | ||
| Average total assets | $170,071,250 | 3,276 |
| Average earning assets | $168,310,500 | 3,123 |
| Average equity | $41,636,750 | 1,809 |
| Average total loans | $69,143,250 | 4,012 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3452% | 5,697 |
| Cost of funding earning assets | 0.6283% | 1,281 |
| Net interest margin | 1.7169% | 5,726 |
| Noninterest income to average assets | 0.0047% | 5,727 |
| Noninterest expense to average assets | 1.3975% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2144% | 5,377 |
| Return on assets (ROA) | 0.2144% | 5,391 |
| Pretax return on assets | 0.3069% | 5,329 |
| Return on Equity (ROE) | 0.8805% | 5,485 |
| Retained earnings to average equity (ytd only) | 0.8805% | 4,870 |
| Net charge-offs to loans | 0.0057% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 544 |
| Efficiency ratio | 81.9931% | 1,007 |
| Assets per employee ($millions) | 8.5410% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 5,453 |
| Loan loss allowance to noncurrent loans | 46.2740% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 3,139 |
| Noncurrent loans to loans | 1.1942% | 1,631 |
| Net loans and leases to total assets | 40.5611% | 5,209 |
| Net loans and leases to deposits | 53.6527% | 4,977 |
| Net loans and leases to core deposits | 54.4903% | 5,068 |
| Total domestic deposits to total assets | 75.5993% | 5,136 |
| Equity capital to assets | 24.3562% | 109 |
| Core capital (leverage) ratio | 24.4542% | 108 |
| Tier 1 risk-based capital ratio | 80.8824% | 49 |
| Total risk-based capital ratio | 81.7318% | 49 |
| Memoranda: | ||
| Average total assets | $170,737,000 | 3,268 |
| Average earning assets | $169,024,330 | 3,123 |
| Average equity | $41,567,670 | 1,800 |
| Average total loans | $69,612,330 | 4,026 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3599% | 5,754 |
| Cost of funding earning assets | 0.6225% | 1,229 |
| Net interest margin | 1.7374% | 5,796 |
| Noninterest income to average assets | 0.0094% | 5,794 |
| Noninterest expense to average assets | 1.3990% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2296% | 5,346 |
| Return on assets (ROA) | 0.2296% | 5,358 |
| Pretax return on assets | 0.3304% | 5,270 |
| Return on Equity (ROE) | 0.9435% | 5,506 |
| Retained earnings to average equity (ytd only) | 0.9435% | 4,681 |
| Net charge-offs to loans | 0.0115% | 2,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 718 |
| Efficiency ratio | 80.8943% | 1,274 |
| Assets per employee ($millions) | 8.5383% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5452% | 5,549 |
| Loan loss allowance to noncurrent loans | 55.8781% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,516 |
| Noncurrent loans to loans | 0.9756% | 2,096 |
| Net loans and leases to total assets | 41.1302% | 5,201 |
| Net loans and leases to deposits | 54.4528% | 4,907 |
| Net loans and leases to core deposits | 55.3074% | 5,006 |
| Total domestic deposits to total assets | 75.5336% | 5,280 |
| Equity capital to assets | 24.3247% | 114 |
| Core capital (leverage) ratio | 24.3466% | 107 |
| Tier 1 risk-based capital ratio | 79.8485% | 51 |
| Total risk-based capital ratio | 80.7080% | 51 |
| Memoranda: | ||
| Average total assets | $170,696,000 | 3,304 |
| Average earning assets | $168,991,000 | 3,143 |
| Average equity | $41,549,000 | 1,794 |
| Average total loans | $69,583,000 | 4,062 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2233% | 5,820 |
| Cost of funding earning assets | 0.6205% | 1,204 |
| Net interest margin | 1.6029% | 5,846 |
| Noninterest income to average assets | 0.0071% | 5,842 |
| Noninterest expense to average assets | 1.3679% | 5,790 |
| Loan and lease loss provision to assets | 0.0018% | 4,310 |
| Net operating income to assets | 0.1714% | 5,460 |
| Return on assets (ROA) | 0.1714% | 5,507 |
| Pretax return on assets | 0.2240% | 5,471 |
| Return on Equity (ROE) | 0.7026% | 5,603 |
| Retained earnings to average equity (ytd only) | 0.7026% | 5,045 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8309% | 833 |
| Assets per employee ($millions) | 8.5314% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 5,585 |
| Loan loss allowance to noncurrent loans | 36.4064% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,863 |
| Noncurrent loans to loans | 1.5508% | 1,284 |
| Net loans and leases to total assets | 39.9456% | 5,314 |
| Net loans and leases to deposits | 52.8652% | 5,072 |
| Net loans and leases to core deposits | 53.6918% | 5,160 |
| Total domestic deposits to total assets | 75.5613% | 5,286 |
| Equity capital to assets | 24.3572% | 109 |
| Core capital (leverage) ratio | 24.4774% | 107 |
| Tier 1 risk-based capital ratio | 81.4314% | 48 |
| Total risk-based capital ratio | 82.4932% | 48 |
| Memoranda: | ||
| Average total assets | $169,163,200 | 3,294 |
| Average earning assets | $167,450,800 | 3,147 |
| Average equity | $41,276,800 | 1,790 |
| Average total loans | $69,449,000 | 4,059 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2269% | 5,886 |
| Cost of funding earning assets | 0.6184% | 1,219 |
| Net interest margin | 1.6085% | 5,913 |
| Noninterest income to average assets | 0.0071% | 5,911 |
| Noninterest expense to average assets | 1.3468% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1904% | 5,483 |
| Return on assets (ROA) | 0.1904% | 5,547 |
| Pretax return on assets | 0.2528% | 5,509 |
| Return on Equity (ROE) | 0.7798% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.7798% | 5,154 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1975% | 985 |
| Assets per employee ($millions) | 8.4130% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 5,640 |
| Loan loss allowance to noncurrent loans | 29.8368% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 2,637 |
| Noncurrent loans to loans | 1.9112% | 1,042 |
| Net loans and leases to total assets | 39.7938% | 5,388 |
| Net loans and leases to deposits | 52.7757% | 5,167 |
| Net loans and leases to core deposits | 53.4946% | 5,241 |
| Total domestic deposits to total assets | 75.4018% | 5,301 |
| Equity capital to assets | 24.5590% | 115 |
| Core capital (leverage) ratio | 24.4000% | 107 |
| Tier 1 risk-based capital ratio | 88.8812% | 48 |
| Total risk-based capital ratio | 89.7595% | 48 |
| Memoranda: | ||
| Average total assets | $168,797,250 | 3,316 |
| Average earning assets | $167,107,500 | 3,167 |
| Average equity | $41,206,000 | 1,811 |
| Average total loans | $69,675,000 | 4,082 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2262% | 5,968 |
| Cost of funding earning assets | 0.6098% | 1,249 |
| Net interest margin | 1.6165% | 5,994 |
| Noninterest income to average assets | 0.0059% | 5,991 |
| Noninterest expense to average assets | 1.3493% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1917% | 5,540 |
| Return on assets (ROA) | 0.1917% | 5,594 |
| Pretax return on assets | 0.2568% | 5,551 |
| Return on Equity (ROE) | 0.7870% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.7870% | 5,066 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0088% | 1,049 |
| Assets per employee ($millions) | 8.4563% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 5,737 |
| Loan loss allowance to noncurrent loans | 40.1674% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,323 |
| Noncurrent loans to loans | 1.3907% | 1,608 |
| Net loans and leases to total assets | 40.4192% | 5,402 |
| Net loans and leases to deposits | 53.4702% | 5,162 |
| Net loans and leases to core deposits | 54.1904% | 5,267 |
| Total domestic deposits to total assets | 75.5920% | 5,342 |
| Equity capital to assets | 24.3967% | 109 |
| Core capital (leverage) ratio | 24.4661% | 101 |
| Tier 1 risk-based capital ratio | 88.9428% | 50 |
| Total risk-based capital ratio | 89.8472% | 49 |
| Memoranda: | ||
| Average total assets | $168,976,330 | 3,324 |
| Average earning assets | $167,279,330 | 3,177 |
| Average equity | $41,167,000 | 1,806 |
| Average total loans | $70,453,000 | 4,084 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2536% | 6,026 |
| Cost of funding earning assets | 0.6077% | 1,285 |
| Net interest margin | 1.6459% | 6,057 |
| Noninterest income to average assets | 0.0047% | 6,058 |
| Noninterest expense to average assets | 1.3523% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2060% | 5,513 |
| Return on assets (ROA) | 0.2060% | 5,579 |
| Pretax return on assets | 0.2818% | 5,545 |
| Return on Equity (ROE) | 0.8463% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.8463% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7536% | 1,285 |
| Assets per employee ($millions) | 8.4354% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 5,821 |
| Loan loss allowance to noncurrent loans | 39.8754% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 3,351 |
| Noncurrent loans to loans | 1.3708% | 1,735 |
| Net loans and leases to total assets | 41.4126% | 5,379 |
| Net loans and leases to deposits | 54.7939% | 5,053 |
| Net loans and leases to core deposits | 55.5307% | 5,162 |
| Total domestic deposits to total assets | 75.5790% | 5,461 |
| Equity capital to assets | 24.3944% | 104 |
| Core capital (leverage) ratio | 24.3597% | 100 |
| Tier 1 risk-based capital ratio | 87.8591% | 48 |
| Total risk-based capital ratio | 88.7114% | 49 |
| Memoranda: | ||
| Average total assets | $168,902,000 | 3,340 |
| Average earning assets | $167,199,000 | 3,183 |
| Average equity | $41,120,000 | 1,797 |
| Average total loans | $71,308,000 | 4,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2635% | 6,060 |
| Cost of funding earning assets | 0.5919% | 1,421 |
| Net interest margin | 1.6717% | 6,099 |
| Noninterest income to average assets | 0.0083% | 6,088 |
| Noninterest expense to average assets | 1.2972% | 6,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2597% | 5,461 |
| Return on assets (ROA) | 0.2597% | 5,536 |
| Pretax return on assets | 0.3667% | 5,391 |
| Return on Equity (ROE) | 1.0731% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.0731% | 5,085 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9595% | 1,977 |
| Assets per employee ($millions) | 8.4549% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5306% | 5,896 |
| Loan loss allowance to noncurrent loans | 49.3573% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,762 |
| Noncurrent loans to loans | 1.0751% | 2,192 |
| Net loans and leases to total assets | 42.5685% | 5,372 |
| Net loans and leases to deposits | 56.2707% | 5,026 |
| Net loans and leases to core deposits | 56.8264% | 5,162 |
| Total domestic deposits to total assets | 75.6495% | 5,486 |
| Equity capital to assets | 24.2967% | 105 |
| Core capital (leverage) ratio | 24.4044% | 97 |
| Tier 1 risk-based capital ratio | 85.7970% | 48 |
| Total risk-based capital ratio | 86.6540% | 49 |
| Memoranda: | ||
| Average total assets | $169,059,400 | 3,318 |
| Average earning assets | $167,439,200 | 3,156 |
| Average equity | $40,909,000 | 1,763 |
| Average total loans | $72,299,600 | 4,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2629% | 6,155 |
| Cost of funding earning assets | 0.5868% | 1,480 |
| Net interest margin | 1.6761% | 6,186 |
| Noninterest income to average assets | 0.0071% | 6,180 |
| Noninterest expense to average assets | 1.2769% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2745% | 5,525 |
| Return on assets (ROA) | 0.2745% | 5,603 |
| Pretax return on assets | 0.3904% | 5,478 |
| Return on Equity (ROE) | 1.1354% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.1354% | 5,260 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5847% | 2,147 |
| Assets per employee ($millions) | 7.9657% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5213% | 5,998 |
| Loan loss allowance to noncurrent loans | 53.6313% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 4,065 |
| Noncurrent loans to loans | 0.9720% | 2,553 |
| Net loans and leases to total assets | 43.8074% | 5,367 |
| Net loans and leases to deposits | 58.0710% | 5,000 |
| Net loans and leases to core deposits | 58.5101% | 5,161 |
| Total domestic deposits to total assets | 75.4376% | 5,583 |
| Equity capital to assets | 24.5265% | 105 |
| Core capital (leverage) ratio | 24.3078% | 100 |
| Tier 1 risk-based capital ratio | 85.2253% | 54 |
| Total risk-based capital ratio | 86.1284% | 54 |
| Memoranda: | ||
| Average total assets | $169,050,000 | 3,348 |
| Average earning assets | $167,451,500 | 3,184 |
| Average equity | $40,865,000 | 1,780 |
| Average total loans | $72,283,000 | 4,073 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2595% | 6,226 |
| Cost of funding earning assets | 0.5842% | 1,533 |
| Net interest margin | 1.6753% | 6,260 |
| Noninterest income to average assets | 0.0106% | 6,245 |
| Noninterest expense to average assets | 1.2721% | 6,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2794% | 5,502 |
| Return on assets (ROA) | 0.2794% | 5,590 |
| Pretax return on assets | 0.3985% | 5,471 |
| Return on Equity (ROE) | 1.1615% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.1615% | 5,104 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1468% | 2,329 |
| Assets per employee ($millions) | 8.0453% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 6,054 |
| Loan loss allowance to noncurrent loans | 52.6027% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 4,191 |
| Noncurrent loans to loans | 1.0239% | 2,596 |
| Net loans and leases to total assets | 41.9699% | 5,508 |
| Net loans and leases to deposits | 55.3994% | 5,165 |
| Net loans and leases to core deposits | 55.8110% | 5,323 |
| Total domestic deposits to total assets | 75.7588% | 5,624 |
| Equity capital to assets | 24.2205% | 101 |
| Core capital (leverage) ratio | 24.0664% | 101 |
| Tier 1 risk-based capital ratio | 85.0828% | 54 |
| Total risk-based capital ratio | 85.9869% | 54 |
| Memoranda: | ||
| Average total assets | $169,640,000 | 3,352 |
| Average earning assets | $168,088,670 | 3,191 |
| Average equity | $40,810,670 | 1,791 |
| Average total loans | $71,822,330 | 4,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2936% | 6,288 |
| Cost of funding earning assets | 0.5793% | 1,582 |
| Net interest margin | 1.7143% | 6,326 |
| Noninterest income to average assets | 0.0094% | 6,314 |
| Noninterest expense to average assets | 1.2354% | 6,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3247% | 5,321 |
| Return on assets (ROA) | 0.3247% | 5,433 |
| Pretax return on assets | 0.4730% | 5,250 |
| Return on Equity (ROE) | 1.3544% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.3544% | 4,944 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3140% | 3,118 |
| Assets per employee ($millions) | 8.4967% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5368% | 6,139 |
| Loan loss allowance to noncurrent loans | 45.1765% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 4,023 |
| Noncurrent loans to loans | 1.1883% | 2,395 |
| Net loans and leases to total assets | 41.8663% | 5,498 |
| Net loans and leases to deposits | 55.1183% | 5,114 |
| Net loans and leases to core deposits | 55.5230% | 5,282 |
| Total domestic deposits to total assets | 75.9571% | 5,743 |
| Equity capital to assets | 24.0252% | 110 |
| Core capital (leverage) ratio | 23.9894% | 104 |
| Tier 1 risk-based capital ratio | 73.8134% | 74 |
| Total risk-based capital ratio | 74.6051% | 76 |
| Memoranda: | ||
| Average total assets | $169,984,000 | 3,364 |
| Average earning assets | $168,467,000 | 3,203 |
| Average equity | $40,755,500 | 1,800 |
| Average total loans | $72,087,000 | 4,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4032% | 6,351 |
| Cost of funding earning assets | 0.5793% | 1,961 |
| Net interest margin | 1.8239% | 6,404 |
| Noninterest income to average assets | 0.0064% | 6,379 |
| Noninterest expense to average assets | 1.2670% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3705% | 5,323 |
| Return on assets (ROA) | 0.3705% | 5,391 |
| Pretax return on assets | 0.5451% | 5,118 |
| Return on Equity (ROE) | 1.5803% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.5803% | 5,038 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9200% | 3,540 |
| Assets per employee ($millions) | 8.5017% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5286% | 6,223 |
| Loan loss allowance to noncurrent loans | 45.3901% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 4,142 |
| Noncurrent loans to loans | 1.1646% | 2,501 |
| Net loans and leases to total assets | 42.4980% | 5,579 |
| Net loans and leases to deposits | 55.9014% | 5,191 |
| Net loans and leases to core deposits | 56.3101% | 5,362 |
| Total domestic deposits to total assets | 76.0230% | 5,724 |
| Equity capital to assets | 23.9270% | 116 |
| Core capital (leverage) ratio | 23.8817% | 106 |
| Tier 1 risk-based capital ratio | 81.7059% | 58 |
| Total risk-based capital ratio | 82.5671% | 58 |
| Memoranda: | ||
| Average total assets | $172,460,400 | 3,300 |
| Average earning assets | $170,732,400 | 3,147 |
| Average equity | $40,435,400 | 1,761 |
| Average total loans | $75,579,000 | 4,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4168% | 6,430 |
| Cost of funding earning assets | 0.5775% | 2,040 |
| Net interest margin | 1.8393% | 6,478 |
| Noninterest income to average assets | 0.0046% | 6,468 |
| Noninterest expense to average assets | 1.2781% | 6,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3713% | 5,364 |
| Return on assets (ROA) | 0.3713% | 5,439 |
| Pretax return on assets | 0.5470% | 5,190 |
| Return on Equity (ROE) | 1.5918% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.5918% | 5,244 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0295% | 3,501 |
| Assets per employee ($millions) | 8.5506% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5222% | 6,310 |
| Loan loss allowance to noncurrent loans | 39.2638% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 4,134 |
| Noncurrent loans to loans | 1.3300% | 2,422 |
| Net loans and leases to total assets | 42.7756% | 5,613 |
| Net loans and leases to deposits | 56.1137% | 5,231 |
| Net loans and leases to core deposits | 56.6987% | 5,409 |
| Total domestic deposits to total assets | 76.2302% | 5,782 |
| Equity capital to assets | 23.7225% | 119 |
| Core capital (leverage) ratio | 23.6534% | 113 |
| Tier 1 risk-based capital ratio | 82.1170% | 55 |
| Total risk-based capital ratio | 83.0346% | 55 |
| Memoranda: | ||
| Average total assets | $173,067,000 | 3,324 |
| Average earning assets | $171,296,250 | 3,165 |
| Average equity | $40,373,250 | 1,775 |
| Average total loans | $76,312,500 | 4,021 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4381% | 6,494 |
| Cost of funding earning assets | 0.5732% | 2,137 |
| Net interest margin | 1.8649% | 6,543 |
| Noninterest income to average assets | 0.0150% | 6,521 |
| Noninterest expense to average assets | 1.2996% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3799% | 5,291 |
| Return on assets (ROA) | 0.3799% | 5,361 |
| Pretax return on assets | 0.5617% | 5,091 |
| Return on Equity (ROE) | 1.6374% | 5,922 |
| Retained earnings to average equity (ytd only) | 1.6374% | 5,086 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8207% | 3,686 |
| Assets per employee ($millions) | 8.6851% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5121% | 6,398 |
| Loan loss allowance to noncurrent loans | 55.3161% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 4,775 |
| Noncurrent loans to loans | 0.9258% | 3,403 |
| Net loans and leases to total assets | 43.0608% | 5,601 |
| Net loans and leases to deposits | 56.1606% | 5,178 |
| Net loans and leases to core deposits | 56.7319% | 5,364 |
| Total domestic deposits to total assets | 76.6743% | 5,836 |
| Equity capital to assets | 23.3096% | 119 |
| Core capital (leverage) ratio | 23.1996% | 112 |
| Tier 1 risk-based capital ratio | 81.5023% | 57 |
| Total risk-based capital ratio | 82.5176% | 57 |
| Memoranda: | ||
| Average total assets | $173,752,330 | 3,327 |
| Average earning assets | $172,017,670 | 3,171 |
| Average equity | $40,308,330 | 1,768 |
| Average total loans | $77,238,330 | 3,995 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4621% | 6,556 |
| Cost of funding earning assets | 0.5719% | 2,227 |
| Net interest margin | 1.8901% | 6,615 |
| Noninterest income to average assets | 0.0207% | 6,566 |
| Noninterest expense to average assets | 1.2706% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4166% | 5,055 |
| Return on assets (ROA) | 0.4166% | 5,125 |
| Pretax return on assets | 0.6215% | 4,761 |
| Return on Equity (ROE) | 1.8002% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.8002% | 4,883 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1533% | 4,339 |
| Assets per employee ($millions) | 7.9419% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4974% | 6,506 |
| Loan loss allowance to noncurrent loans | 75.3425% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,285 |
| Noncurrent loans to loans | 0.6602% | 4,214 |
| Net loans and leases to total assets | 44.0780% | 5,505 |
| Net loans and leases to deposits | 57.3776% | 4,998 |
| Net loans and leases to core deposits | 57.9549% | 5,205 |
| Total domestic deposits to total assets | 76.8209% | 5,988 |
| Equity capital to assets | 23.0852% | 122 |
| Core capital (leverage) ratio | 22.9788% | 119 |
| Tier 1 risk-based capital ratio | 79.7636% | 63 |
| Total risk-based capital ratio | 80.7629% | 63 |
| Memoranda: | ||
| Average total assets | $173,778,000 | 3,351 |
| Average earning assets | $172,050,500 | 3,195 |
| Average equity | $40,218,000 | 1,766 |
| Average total loans | $78,266,500 | 3,991 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5596% | 6,599 |
| Cost of funding earning assets | 0.6273% | 2,412 |
| Net interest margin | 1.9323% | 6,659 |
| Noninterest income to average assets | 0.0253% | 6,603 |
| Noninterest expense to average assets | 1.2408% | 6,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4558% | 4,933 |
| Return on assets (ROA) | 0.4558% | 5,060 |
| Pretax return on assets | 0.6966% | 4,557 |
| Return on Equity (ROE) | 2.0031% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.0031% | 4,809 |
| Net charge-offs to loans | 0.0087% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 173.1429% | 268 |
| Efficiency ratio | 64.0463% | 4,885 |
| Assets per employee ($millions) | 8.2302% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4865% | 6,583 |
| Loan loss allowance to noncurrent loans | 74.7573% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 5,226 |
| Noncurrent loans to loans | 0.6508% | 4,341 |
| Net loans and leases to total assets | 45.5634% | 5,528 |
| Net loans and leases to deposits | 59.3696% | 4,995 |
| Net loans and leases to core deposits | 59.9723% | 5,222 |
| Total domestic deposits to total assets | 76.7453% | 6,014 |
| Equity capital to assets | 23.2020% | 122 |
| Core capital (leverage) ratio | 23.1245% | 114 |
| Tier 1 risk-based capital ratio | 75.3597% | 69 |
| Total risk-based capital ratio | 76.2327% | 68 |
| Memoranda: | ||
| Average total assets | $173,998,800 | 3,346 |
| Average earning assets | $172,175,600 | 3,189 |
| Average equity | $39,589,400 | 1,766 |
| Average total loans | $80,527,400 | 3,926 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5632% | 6,674 |
| Cost of funding earning assets | 0.6364% | 2,495 |
| Net interest margin | 1.9268% | 6,743 |
| Noninterest income to average assets | 0.0298% | 6,675 |
| Noninterest expense to average assets | 1.2347% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4567% | 5,003 |
| Return on assets (ROA) | 0.4567% | 5,138 |
| Pretax return on assets | 0.7015% | 4,685 |
| Return on Equity (ROE) | 2.0171% | 5,931 |
| Retained earnings to average equity (ytd only) | 2.0171% | 5,123 |
| Net charge-offs to loans | 0.0115% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 131.0439% | 408 |
| Efficiency ratio | 63.7693% | 4,839 |
| Assets per employee ($millions) | 8.2051% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 6,670 |
| Loan loss allowance to noncurrent loans | 75.6385% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 5,370 |
| Noncurrent loans to loans | 0.6350% | 4,604 |
| Net loans and leases to total assets | 46.2993% | 5,519 |
| Net loans and leases to deposits | 60.2295% | 4,946 |
| Net loans and leases to core deposits | 60.8400% | 5,237 |
| Total domestic deposits to total assets | 76.8715% | 6,065 |
| Equity capital to assets | 23.0913% | 119 |
| Core capital (leverage) ratio | 23.0815% | 112 |
| Tier 1 risk-based capital ratio | 78.0114% | 61 |
| Total risk-based capital ratio | 78.7882% | 61 |
| Memoranda: | ||
| Average total assets | $174,290,000 | 3,370 |
| Average earning assets | $172,436,500 | 3,214 |
| Average equity | $39,461,500 | 1,781 |
| Average total loans | $80,875,750 | 3,947 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5208% | 6,725 |
| Cost of funding earning assets | 0.6426% | 2,566 |
| Net interest margin | 1.8782% | 6,796 |
| Noninterest income to average assets | 0.0229% | 6,746 |
| Noninterest expense to average assets | 1.2141% | 6,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4298% | 5,110 |
| Return on assets (ROA) | 0.4298% | 5,263 |
| Pretax return on assets | 0.6665% | 4,793 |
| Return on Equity (ROE) | 1.9109% | 5,979 |
| Retained earnings to average equity (ytd only) | 1.9109% | 5,053 |
| Net charge-offs to loans | 0.0173% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 83.2857% | 543 |
| Efficiency ratio | 64.5593% | 4,781 |
| Assets per employee ($millions) | 8.3318% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4722% | 6,725 |
| Loan loss allowance to noncurrent loans | 38.2704% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 4,697 |
| Noncurrent loans to loans | 1.2339% | 3,489 |
| Net loans and leases to total assets | 46.3767% | 5,493 |
| Net loans and leases to deposits | 59.9557% | 4,986 |
| Net loans and leases to core deposits | 60.4011% | 5,228 |
| Total domestic deposits to total assets | 77.3517% | 6,080 |
| Equity capital to assets | 22.6174% | 124 |
| Core capital (leverage) ratio | 22.6048% | 116 |
| Tier 1 risk-based capital ratio | 76.7295% | 61 |
| Total risk-based capital ratio | 77.5055% | 61 |
| Memoranda: | ||
| Average total assets | $174,951,000 | 3,373 |
| Average earning assets | $173,037,330 | 3,209 |
| Average equity | $39,352,670 | 1,785 |
| Average total loans | $81,113,670 | 3,953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5351% | 6,803 |
| Cost of funding earning assets | 0.6476% | 2,681 |
| Net interest margin | 1.8874% | 6,873 |
| Noninterest income to average assets | 0.0114% | 6,825 |
| Noninterest expense to average assets | 1.1752% | 6,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4504% | 4,908 |
| Return on assets (ROA) | 0.4504% | 5,068 |
| Pretax return on assets | 0.7019% | 4,573 |
| Return on Equity (ROE) | 2.0080% | 5,941 |
| Retained earnings to average equity (ytd only) | 2.0080% | 4,997 |
| Net charge-offs to loans | 0.0346% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 735 |
| Efficiency ratio | 62.6066% | 5,216 |
| Assets per employee ($millions) | 8.3327% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 6,807 |
| Loan loss allowance to noncurrent loans | 32.7660% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 4,542 |
| Noncurrent loans to loans | 1.4549% | 3,383 |
| Net loans and leases to total assets | 45.9334% | 5,444 |
| Net loans and leases to deposits | 59.3228% | 4,870 |
| Net loans and leases to core deposits | 59.4993% | 5,194 |
| Total domestic deposits to total assets | 77.4296% | 6,200 |
| Equity capital to assets | 22.4892% | 139 |
| Core capital (leverage) ratio | 22.4892% | 121 |
| Tier 1 risk-based capital ratio | 76.5489% | 69 |
| Total risk-based capital ratio | 77.2977% | 69 |
| Memoranda: | ||
| Average total assets | $174,943,000 | 3,411 |
| Average earning assets | $172,933,000 | 3,241 |
| Average equity | $39,242,500 | 1,806 |
| Average total loans | $80,906,000 | 3,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7760% | 6,863 |
| Cost of funding earning assets | 0.7673% | 2,944 |
| Net interest margin | 2.0087% | 6,933 |
| Noninterest income to average assets | 0.0131% | 6,790 |
| Noninterest expense to average assets | 1.2882% | 6,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4454% | 4,901 |
| Return on assets (ROA) | 0.4454% | 5,153 |
| Pretax return on assets | 0.7088% | 4,640 |
| Return on Equity (ROE) | 2.0148% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.0148% | 4,808 |
| Net charge-offs to loans | 0.0250% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 59.1905% | 603 |
| Efficiency ratio | 64.5060% | 4,798 |
| Assets per employee ($millions) | 7.9500% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4837% | 6,850 |
| Loan loss allowance to noncurrent loans | 30.3171% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 4,471 |
| Noncurrent loans to loans | 1.5953% | 3,233 |
| Net loans and leases to total assets | 46.1166% | 5,598 |
| Net loans and leases to deposits | 59.4503% | 5,080 |
| Net loans and leases to core deposits | 59.6265% | 5,402 |
| Total domestic deposits to total assets | 77.5718% | 6,150 |
| Equity capital to assets | 22.3739% | 146 |
| Core capital (leverage) ratio | 22.3739% | 125 |
| Tier 1 risk-based capital ratio | 70.6532% | 76 |
| Total risk-based capital ratio | 71.3610% | 76 |
| Memoranda: | ||
| Average total assets | $175,355,200 | 3,373 |
| Average earning assets | $173,197,800 | 3,189 |
| Average equity | $38,763,000 | 1,793 |
| Average total loans | $84,134,200 | 3,904 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 6,960 |
| Cost of funding earning assets | 0.7949% | 2,991 |
| Net interest margin | 2.0445% | 7,024 |
| Noninterest income to average assets | 0.0137% | 6,901 |
| Noninterest expense to average assets | 1.2879% | 7,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4673% | 4,965 |
| Return on assets (ROA) | 0.4673% | 5,221 |
| Pretax return on assets | 0.7447% | 4,691 |
| Return on Equity (ROE) | 2.1204% | 5,991 |
| Retained earnings to average equity (ytd only) | 2.1204% | 5,263 |
| Net charge-offs to loans | 0.0330% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 46.6654% | 788 |
| Efficiency ratio | 63.3645% | 4,909 |
| Assets per employee ($millions) | 8.2651% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4769% | 6,966 |
| Loan loss allowance to noncurrent loans | 28.5506% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 4,585 |
| Noncurrent loans to loans | 1.6705% | 3,286 |
| Net loans and leases to total assets | 47.1285% | 5,646 |
| Net loans and leases to deposits | 60.8038% | 5,110 |
| Net loans and leases to core deposits | 60.8038% | 5,475 |
| Total domestic deposits to total assets | 77.5091% | 6,163 |
| Equity capital to assets | 22.4494% | 154 |
| Core capital (leverage) ratio | 22.4494% | 133 |
| Tier 1 risk-based capital ratio | 72.2846% | 71 |
| Total risk-based capital ratio | 73.0118% | 71 |
| Memoranda: | ||
| Average total assets | $175,469,000 | 3,414 |
| Average earning assets | $173,277,500 | 3,220 |
| Average equity | $38,670,750 | 1,815 |
| Average total loans | $84,905,250 | 3,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9118% | 7,007 |
| Cost of funding earning assets | 0.8257% | 2,988 |
| Net interest margin | 2.0861% | 7,077 |
| Noninterest income to average assets | 0.0136% | 6,963 |
| Noninterest expense to average assets | 1.2833% | 7,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4952% | 4,839 |
| Return on assets (ROA) | 0.4952% | 5,092 |
| Pretax return on assets | 0.7904% | 4,505 |
| Return on Equity (ROE) | 2.2607% | 5,963 |
| Retained earnings to average equity (ytd only) | 2.2607% | 5,067 |
| Net charge-offs to loans | 0.0489% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 33.1429% | 1,005 |
| Efficiency ratio | 61.8839% | 5,270 |
| Assets per employee ($millions) | 8.8489% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4667% | 7,042 |
| Loan loss allowance to noncurrent loans | 28.1407% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 4,619 |
| Noncurrent loans to loans | 1.6583% | 3,410 |
| Net loans and leases to total assets | 47.2423% | 5,688 |
| Net loans and leases to deposits | 60.5180% | 5,194 |
| Net loans and leases to core deposits | 60.5180% | 5,542 |
| Total domestic deposits to total assets | 78.0633% | 6,147 |
| Equity capital to assets | 21.9158% | 162 |
| Core capital (leverage) ratio | 21.9158% | 136 |
| Tier 1 risk-based capital ratio | 69.4206% | 73 |
| Total risk-based capital ratio | 70.1222% | 74 |
| Memoranda: | ||
| Average total assets | $176,102,670 | 3,426 |
| Average earning assets | $173,913,670 | 3,221 |
| Average equity | $38,572,670 | 1,809 |
| Average total loans | $85,809,670 | 3,911 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0110% | 7,038 |
| Cost of funding earning assets | 0.8623% | 2,973 |
| Net interest margin | 2.1487% | 7,113 |
| Noninterest income to average assets | 0.0114% | 7,068 |
| Noninterest expense to average assets | 1.2979% | 7,174 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5237% | 4,720 |
| Return on assets (ROA) | 0.5237% | 4,929 |
| Pretax return on assets | 0.8357% | 4,280 |
| Return on Equity (ROE) | 2.3917% | 5,945 |
| Retained earnings to average equity (ytd only) | 2.3917% | 5,066 |
| Net charge-offs to loans | 0.0969% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.4762% | 1,303 |
| Efficiency ratio | 60.8324% | 5,484 |
| Assets per employee ($millions) | 8.4322% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 7,101 |
| Loan loss allowance to noncurrent loans | 27.3934% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 4,827 |
| Noncurrent loans to loans | 1.6586% | 3,612 |
| Net loans and leases to total assets | 48.5009% | 5,488 |
| Net loans and leases to deposits | 62.1043% | 4,902 |
| Net loans and leases to core deposits | 62.1043% | 5,312 |
| Total domestic deposits to total assets | 78.0960% | 6,250 |
| Equity capital to assets | 21.7894% | 149 |
| Core capital (leverage) ratio | 21.7894% | 137 |
| Tier 1 risk-based capital ratio | 66.0086% | 77 |
| Total risk-based capital ratio | 66.6792% | 77 |
| Memoranda: | ||
| Average total assets | $175,665,500 | 3,445 |
| Average earning assets | $173,499,500 | 3,242 |
| Average equity | $38,466,000 | 1,804 |
| Average total loans | $86,714,500 | 3,918 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 6,977 |
| Cost of funding earning assets | 1.0657% | 2,912 |
| Net interest margin | 2.4663% | 7,069 |
| Noninterest income to average assets | 0.0070% | 6,964 |
| Noninterest expense to average assets | 1.2168% | 7,265 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6400% | 3,785 |
| Return on assets (ROA) | 0.6400% | 3,983 |
| Pretax return on assets | 1.0329% | 3,113 |
| Return on Equity (ROE) | 2.8888% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.8888% | 4,187 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0864% | 6,509 |
| Assets per employee ($millions) | 9.1713% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 7,122 |
| Loan loss allowance to noncurrent loans | 30.2564% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 4,967 |
| Noncurrent loans to loans | 1.5662% | 3,810 |
| Net loans and leases to total assets | 49.7779% | 5,617 |
| Net loans and leases to deposits | 63.8719% | 5,033 |
| Net loans and leases to core deposits | 63.8719% | 5,477 |
| Total domestic deposits to total assets | 77.9339% | 6,204 |
| Equity capital to assets | 22.0070% | 153 |
| Core capital (leverage) ratio | 22.0177% | 138 |
| Tier 1 risk-based capital ratio | 65.2951% | 80 |
| Total risk-based capital ratio | 65.9979% | 79 |
| Memoranda: | ||
| Average total assets | $170,774,600 | 3,477 |
| Average earning assets | $155,296,200 | 3,487 |
| Average equity | $37,835,200 | 1,781 |
| Average total loans | $89,455,800 | 3,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 6,939 |
| Cost of funding earning assets | 1.1110% | 2,901 |
| Net interest margin | 2.5837% | 7,083 |
| Noninterest income to average assets | 0.0126% | 7,071 |
| Noninterest expense to average assets | 1.2210% | 7,337 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6733% | 3,748 |
| Return on assets (ROA) | 0.6733% | 3,924 |
| Pretax return on assets | 1.0892% | 3,060 |
| Return on Equity (ROE) | 3.0338% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.0338% | 4,521 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8533% | 6,607 |
| Assets per employee ($millions) | 8.5277% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 7,179 |
| Loan loss allowance to noncurrent loans | 29.9492% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 5,040 |
| Noncurrent loans to loans | 1.5847% | 3,920 |
| Net loans and leases to total assets | 50.7801% | 5,609 |
| Net loans and leases to deposits | 65.4314% | 4,986 |
| Net loans and leases to core deposits | 65.4314% | 5,478 |
| Total domestic deposits to total assets | 77.6081% | 6,274 |
| Equity capital to assets | 22.3479% | 159 |
| Core capital (leverage) ratio | 22.3584% | 144 |
| Tier 1 risk-based capital ratio | 68.2278% | 84 |
| Total risk-based capital ratio | 68.9667% | 85 |
| Memoranda: | ||
| Average total assets | $169,904,750 | 3,523 |
| Average earning assets | $151,096,000 | 3,587 |
| Average equity | $37,707,000 | 1,792 |
| Average total loans | $90,031,500 | 3,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 7,092 |
| Cost of funding earning assets | 1.0630% | 3,526 |
| Net interest margin | 2.5445% | 7,157 |
| Noninterest income to average assets | 0.0130% | 7,160 |
| Noninterest expense to average assets | 1.2152% | 7,419 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7190% | 3,450 |
| Return on assets (ROA) | 0.7190% | 3,563 |
| Pretax return on assets | 1.1621% | 2,632 |
| Return on Equity (ROE) | 3.2472% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.2472% | 4,199 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1155% | 6,862 |
| Assets per employee ($millions) | 8.9827% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4612% | 7,250 |
| Loan loss allowance to noncurrent loans | 21.8866% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 4,577 |
| Noncurrent loans to loans | 2.1070% | 3,346 |
| Net loans and leases to total assets | 52.2318% | 5,539 |
| Net loans and leases to deposits | 67.1384% | 4,830 |
| Net loans and leases to core deposits | 67.1384% | 5,377 |
| Total domestic deposits to total assets | 77.7972% | 6,328 |
| Equity capital to assets | 22.1905% | 174 |
| Core capital (leverage) ratio | 22.1992% | 153 |
| Tier 1 risk-based capital ratio | 67.4679% | 87 |
| Total risk-based capital ratio | 68.2033% | 87 |
| Memoranda: | ||
| Average total assets | $169,688,670 | 3,543 |
| Average earning assets | $157,673,000 | 3,489 |
| Average equity | $37,571,000 | 1,786 |
| Average total loans | $91,035,330 | 3,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 7,021 |
| Cost of funding earning assets | 1.1001% | 3,519 |
| Net interest margin | 2.6412% | 7,087 |
| Noninterest income to average assets | 0.0189% | 7,251 |
| Noninterest expense to average assets | 1.2057% | 7,484 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7376% | 3,334 |
| Return on assets (ROA) | 0.7376% | 3,400 |
| Pretax return on assets | 1.1915% | 2,409 |
| Return on Equity (ROE) | 3.3351% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.3351% | 4,182 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2959% | 6,966 |
| Assets per employee ($millions) | 8.9002% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4484% | 7,317 |
| Loan loss allowance to noncurrent loans | 15.3589% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 3,791 |
| Noncurrent loans to loans | 2.9192% | 2,576 |
| Net loans and leases to total assets | 54.2276% | 5,272 |
| Net loans and leases to deposits | 69.8052% | 4,373 |
| Net loans and leases to core deposits | 69.8052% | 5,063 |
| Total domestic deposits to total assets | 77.6841% | 6,417 |
| Equity capital to assets | 22.2218% | 164 |
| Core capital (leverage) ratio | 22.2301% | 155 |
| Tier 1 risk-based capital ratio | 65.4344% | 87 |
| Total risk-based capital ratio | 66.1532% | 86 |
| Memoranda: | ||
| Average total assets | $169,197,000 | 3,570 |
| Average earning assets | $152,354,000 | 3,604 |
| Average equity | $37,420,000 | 1,779 |
| Average total loans | $91,774,000 | 3,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 6,672 |
| Cost of funding earning assets | 1.4869% | 2,722 |
| Net interest margin | 2.8831% | 6,920 |
| Noninterest income to average assets | 0.0442% | 7,136 |
| Noninterest expense to average assets | 1.1749% | 7,550 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8095% | 2,755 |
| Return on assets (ROA) | 0.8095% | 2,890 |
| Pretax return on assets | 1.3153% | 1,896 |
| Return on Equity (ROE) | 3.6536% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.6536% | 3,301 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1817% | 7,304 |
| Assets per employee ($millions) | 8.4645% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4517% | 7,393 |
| Loan loss allowance to noncurrent loans | 15.3875% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 3,852 |
| Noncurrent loans to loans | 2.9355% | 2,600 |
| Net loans and leases to total assets | 53.7663% | 5,660 |
| Net loans and leases to deposits | 68.9961% | 4,962 |
| Net loans and leases to core deposits | 68.9961% | 5,555 |
| Total domestic deposits to total assets | 77.9266% | 6,330 |
| Equity capital to assets | 22.0108% | 183 |
| Core capital (leverage) ratio | 22.0292% | 167 |
| Tier 1 risk-based capital ratio | 64.3626% | 89 |
| Total risk-based capital ratio | 65.0752% | 88 |
| Memoranda: | ||
| Average total assets | $165,285,800 | 3,611 |
| Average earning assets | $140,228,600 | 3,815 |
| Average equity | $36,621,800 | 1,807 |
| Average total loans | $94,990,200 | 3,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 6,777 |
| Cost of funding earning assets | 1.5539% | 2,642 |
| Net interest margin | 2.8710% | 7,049 |
| Noninterest income to average assets | 0.0471% | 7,288 |
| Noninterest expense to average assets | 1.1281% | 7,676 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8513% | 2,806 |
| Return on assets (ROA) | 0.8513% | 2,938 |
| Pretax return on assets | 1.3797% | 1,941 |
| Return on Equity (ROE) | 3.8359% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.8359% | 3,759 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9838% | 7,428 |
| Assets per employee ($millions) | 8.6857% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 7,503 |
| Loan loss allowance to noncurrent loans | 19.9421% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 1.3046% | 4,537 |
| Noncurrent loans to loans | 2.1915% | 3,460 |
| Net loans and leases to total assets | 57.0127% | 5,413 |
| Net loans and leases to deposits | 73.5405% | 4,588 |
| Net loans and leases to core deposits | 73.5405% | 5,351 |
| Total domestic deposits to total assets | 77.5256% | 6,361 |
| Equity capital to assets | 22.4035% | 181 |
| Core capital (leverage) ratio | 22.4227% | 163 |
| Tier 1 risk-based capital ratio | 62.8714% | 99 |
| Total risk-based capital ratio | 63.5729% | 99 |
| Memoranda: | ||
| Average total assets | $164,284,750 | 3,676 |
| Average earning assets | $140,807,500 | 3,855 |
| Average equity | $36,461,750 | 1,837 |
| Average total loans | $95,879,250 | 3,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 6,835 |
| Cost of funding earning assets | 1.6500% | 2,387 |
| Net interest margin | 2.7815% | 7,169 |
| Noninterest income to average assets | 0.0597% | 7,287 |
| Noninterest expense to average assets | 1.1217% | 7,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8181% | 2,887 |
| Return on assets (ROA) | 0.8181% | 3,036 |
| Pretax return on assets | 1.3387% | 1,977 |
| Return on Equity (ROE) | 3.6978% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.6978% | 3,747 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5897% | 7,460 |
| Assets per employee ($millions) | 8.6534% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4298% | 7,579 |
| Loan loss allowance to noncurrent loans | 20.5882% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 4,608 |
| Noncurrent loans to loans | 2.0877% | 3,603 |
| Net loans and leases to total assets | 58.1909% | 5,384 |
| Net loans and leases to deposits | 74.9503% | 4,519 |
| Net loans and leases to core deposits | 74.9503% | 5,329 |
| Total domestic deposits to total assets | 77.6394% | 6,357 |
| Equity capital to assets | 22.2621% | 189 |
| Core capital (leverage) ratio | 21.8975% | 183 |
| Tier 1 risk-based capital ratio | 59.8421% | 109 |
| Total risk-based capital ratio | 60.5285% | 109 |
| Memoranda: | ||
| Average total assets | $164,037,000 | 3,705 |
| Average earning assets | $141,578,670 | 3,874 |
| Average equity | $36,291,670 | 1,835 |
| Average total loans | $96,339,000 | 4,006 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 6,916 |
| Cost of funding earning assets | 1.8276% | 1,762 |
| Net interest margin | 2.6148% | 7,378 |
| Noninterest income to average assets | -0.0122% | 7,693 |
| Noninterest expense to average assets | 1.0815% | 7,862 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7251% | 3,330 |
| Return on assets (ROA) | 0.7251% | 3,441 |
| Pretax return on assets | 1.1767% | 2,446 |
| Return on Equity (ROE) | 3.2875% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.2875% | 4,171 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8919% | 7,446 |
| Assets per employee ($millions) | 8.6761% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 7,670 |
| Loan loss allowance to noncurrent loans | 18.9624% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 4,357 |
| Noncurrent loans to loans | 2.2628% | 3,439 |
| Net loans and leases to total assets | 58.1395% | 5,409 |
| Net loans and leases to deposits | 74.6249% | 4,653 |
| Net loans and leases to core deposits | 74.6249% | 5,431 |
| Total domestic deposits to total assets | 77.9089% | 6,339 |
| Equity capital to assets | 22.0079% | 207 |
| Core capital (leverage) ratio | 22.0011% | 186 |
| Tier 1 risk-based capital ratio | 60.0414% | 108 |
| Total risk-based capital ratio | 60.7451% | 110 |
| Memoranda: | ||
| Average total assets | $163,848,500 | 3,773 |
| Average earning assets | $142,264,500 | 3,912 |
| Average equity | $36,136,500 | 1,857 |
| Average total loans | $96,465,000 | 4,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 7,203 |
| Cost of funding earning assets | 2.1136% | 2,396 |
| Net interest margin | 2.5423% | 7,379 |
| Noninterest income to average assets | 0.0089% | 7,668 |
| Noninterest expense to average assets | 1.1707% | 7,915 |
| Loan and lease loss provision to assets | 0.0204% | 7,297 |
| Net operating income to assets | 0.7064% | 2,904 |
| Return on assets (ROA) | 0.7064% | 2,973 |
| Pretax return on assets | 1.1471% | 2,107 |
| Return on Equity (ROE) | 3.1188% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.1188% | 2,979 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0683% | 7,537 |
| Assets per employee ($millions) | 8.5712% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4272% | 7,735 |
| Loan loss allowance to noncurrent loans | 19.6854% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 1.3994% | 4,319 |
| Noncurrent loans to loans | 2.1701% | 3,424 |
| Net loans and leases to total assets | 59.1113% | 5,473 |
| Net loans and leases to deposits | 75.9587% | 4,750 |
| Net loans and leases to core deposits | 80.4661% | 6,044 |
| Total domestic deposits to total assets | 77.8204% | 6,263 |
| Equity capital to assets | 22.1023% | 222 |
| Core capital (leverage) ratio | 22.0904% | 209 |
| Tier 1 risk-based capital ratio | 59.3786% | 118 |
| Total risk-based capital ratio | 60.0934% | 119 |
| Memoranda: | ||
| Average total assets | $156,574,800 | 3,843 |
| Average earning assets | $143,454,200 | 3,829 |
| Average equity | $35,462,600 | 1,902 |
| Average total loans | $95,557,800 | 4,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 7,266 |
| Cost of funding earning assets | 2.1435% | 2,691 |
| Net interest margin | 2.5692% | 7,385 |
| Noninterest income to average assets | 0.0069% | 7,815 |
| Noninterest expense to average assets | 1.1087% | 8,011 |
| Loan and lease loss provision to assets | 0.0275% | 7,074 |
| Net operating income to assets | 0.7724% | 2,926 |
| Return on assets (ROA) | 0.7724% | 2,984 |
| Pretax return on assets | 1.2533% | 2,099 |
| Return on Equity (ROE) | 3.3889% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.3889% | 3,405 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4003% | 7,756 |
| Assets per employee ($millions) | 8.3621% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4262% | 7,798 |
| Loan loss allowance to noncurrent loans | 22.0267% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 4,528 |
| Noncurrent loans to loans | 1.9350% | 3,725 |
| Net loans and leases to total assets | 60.7286% | 5,466 |
| Net loans and leases to deposits | 78.4833% | 4,666 |
| Net loans and leases to core deposits | 83.4956% | 6,076 |
| Total domestic deposits to total assets | 77.3778% | 6,240 |
| Equity capital to assets | 22.5366% | 231 |
| Core capital (leverage) ratio | 22.5163% | 219 |
| Tier 1 risk-based capital ratio | 58.9437% | 123 |
| Total risk-based capital ratio | 59.6789% | 122 |
| Memoranda: | ||
| Average total assets | $155,005,500 | 3,893 |
| Average earning assets | $143,750,250 | 3,842 |
| Average equity | $35,329,750 | 1,924 |
| Average total loans | $95,278,000 | 4,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 7,263 |
| Cost of funding earning assets | 2.1866% | 2,855 |
| Net interest margin | 2.5937% | 7,369 |
| Noninterest income to average assets | 0.0065% | 7,924 |
| Noninterest expense to average assets | 1.0149% | 8,122 |
| Loan and lease loss provision to assets | 0.0416% | 6,818 |
| Net operating income to assets | 0.8496% | 2,653 |
| Return on assets (ROA) | 0.8496% | 2,756 |
| Pretax return on assets | 1.3792% | 1,791 |
| Return on Equity (ROE) | 3.7133% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.7133% | 3,228 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6667% | 7,986 |
| Assets per employee ($millions) | 7.8548% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 7,863 |
| Loan loss allowance to noncurrent loans | 26.2056% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 4,767 |
| Noncurrent loans to loans | 1.6617% | 4,001 |
| Net loans and leases to total assets | 60.1091% | 5,661 |
| Net loans and leases to deposits | 77.6970% | 4,921 |
| Net loans and leases to core deposits | 82.7011% | 6,184 |
| Total domestic deposits to total assets | 77.3635% | 6,237 |
| Equity capital to assets | 22.5919% | 264 |
| Core capital (leverage) ratio | 22.6023% | 258 |
| Tier 1 risk-based capital ratio | 59.6169% | 139 |
| Total risk-based capital ratio | 60.3102% | 140 |
| Memoranda: | ||
| Average total assets | $153,714,330 | 3,941 |
| Average earning assets | $143,966,000 | 3,860 |
| Average equity | $35,171,000 | 1,931 |
| Average total loans | $94,738,000 | 4,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 7,203 |
| Cost of funding earning assets | 2.2448% | 2,939 |
| Net interest margin | 2.6411% | 7,310 |
| Noninterest income to average assets | 0.0132% | 8,010 |
| Noninterest expense to average assets | 1.0156% | 8,169 |
| Loan and lease loss provision to assets | 0.0842% | 5,878 |
| Net operating income to assets | 0.8762% | 2,815 |
| Return on assets (ROA) | 0.8762% | 2,957 |
| Pretax return on assets | 1.4208% | 1,908 |
| Return on Equity (ROE) | 3.8045% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.8045% | 3,772 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2923% | 8,046 |
| Assets per employee ($millions) | 7.7085% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 7,909 |
| Loan loss allowance to noncurrent loans | 21.0714% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 4,083 |
| Noncurrent loans to loans | 2.0850% | 3,142 |
| Net loans and leases to total assets | 60.7057% | 5,546 |
| Net loans and leases to deposits | 78.7901% | 4,802 |
| Net loans and leases to core deposits | 84.3100% | 6,041 |
| Total domestic deposits to total assets | 77.0474% | 6,265 |
| Equity capital to assets | 22.8183% | 284 |
| Core capital (leverage) ratio | 22.8238% | 287 |
| Tier 1 risk-based capital ratio | 59.5022% | 140 |
| Total risk-based capital ratio | 60.2005% | 141 |
| Memoranda: | ||
| Average total assets | $152,023,500 | 3,975 |
| Average earning assets | $144,336,000 | 3,868 |
| Average equity | $35,011,000 | 1,946 |
| Average total loans | $94,686,000 | 4,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 7,831 |
| Cost of funding earning assets | 2.6438% | 3,469 |
| Net interest margin | 2.3630% | 7,879 |
| Noninterest income to average assets | 0.0093% | 8,072 |
| Noninterest expense to average assets | 1.0356% | 8,198 |
| Loan and lease loss provision to assets | 0.0073% | 7,276 |
| Net operating income to assets | 0.8017% | 3,430 |
| Return on assets (ROA) | 0.8017% | 3,264 |
| Pretax return on assets | 1.2881% | 2,350 |
| Return on Equity (ROE) | 3.4253% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.4253% | 3,009 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4254% | 7,994 |
| Assets per employee ($millions) | 7.4939% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3995% | 7,975 |
| Loan loss allowance to noncurrent loans | 15.9748% | 7,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 3,011 |
| Noncurrent loans to loans | 2.5008% | 2,179 |
| Net loans and leases to total assets | 63.3773% | 5,388 |
| Net loans and leases to deposits | 82.5861% | 4,637 |
| Net loans and leases to core deposits | 89.0635% | 5,885 |
| Total domestic deposits to total assets | 76.7409% | 6,059 |
| Equity capital to assets | 23.2477% | 308 |
| Core capital (leverage) ratio | 23.2542% | 299 |
| Tier 1 risk-based capital ratio | 56.4813% | 170 |
| Total risk-based capital ratio | 57.0986% | 172 |
| Memoranda: | ||
| Average total assets | $150,064,600 | 3,896 |
| Average earning assets | $147,438,000 | 3,701 |
| Average equity | $35,121,400 | 1,922 |
| Average total loans | $92,332,200 | 4,148 |