Home > 1st Bank of Sea Isle City > Performance and Condition Ratios
1st Bank of Sea Isle City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 3,802 |
| Cost of funding earning assets | 0.7395% | 3,868 |
| Net interest margin | 3.3631% | 2,482 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.9474% | 1,197 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2431% | 4,111 |
| Return on assets (ROA) | 0.2431% | 4,117 |
| Pretax return on assets | 0.3307% | 4,061 |
| Return on Equity (ROE) | 2.5800% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.5829% | 3,416 |
| 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 | 90.1783% | 406 |
| Assets per employee ($millions) | 6.6092% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 4,251 |
| Loan loss allowance to noncurrent loans | 261.5238% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 1,648 |
| Noncurrent loans to loans | 0.2279% | 2,409 |
| Net loans and leases to total assets | 75.3300% | 1,199 |
| Net loans and leases to deposits | 103.4904% | 389 |
| Net loans and leases to core deposits | 107.1073% | 1,066 |
| Total domestic deposits to total assets | 72.7900% | 4,182 |
| Equity capital to assets | 9.7233% | 2,182 |
| Core capital (leverage) ratio | 9.6453% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1144% | 1,062 |
| Memoranda: | ||
| Average total assets | $310,574,400 | 2,375 |
| Average earning assets | $289,257,800 | 2,353 |
| Average equity | $29,230,800 | 2,301 |
| Average total loans | $222,667,200 | 2,145 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 3,845 |
| Cost of funding earning assets | 0.5838% | 3,997 |
| Net interest margin | 3.4159% | 2,416 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.9270% | 1,182 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.2494% | 4,177 |
| Return on assets (ROA) | 0.2494% | 4,186 |
| Pretax return on assets | 0.3404% | 4,122 |
| Return on Equity (ROE) | 2.6700% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.6713% | 3,592 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.1770% | 437 |
| Assets per employee ($millions) | 7.0419% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 4,198 |
| Loan loss allowance to noncurrent loans | 290.4762% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,746 |
| Noncurrent loans to loans | 0.2257% | 2,448 |
| Net loans and leases to total assets | 74.5700% | 1,288 |
| Net loans and leases to deposits | 97.4451% | 646 |
| Net loans and leases to core deposits | 99.1376% | 1,367 |
| Total domestic deposits to total assets | 76.5300% | 3,971 |
| Equity capital to assets | 9.4854% | 2,107 |
| Core capital (leverage) ratio | 9.5135% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7149% | 1,156 |
| Memoranda: | ||
| Average total assets | $312,212,750 | 2,365 |
| Average earning assets | $290,984,500 | 2,359 |
| Average equity | $29,148,250 | 2,291 |
| Average total loans | $220,736,000 | 2,152 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,952 |
| Cost of funding earning assets | 0.4254% | 4,125 |
| Net interest margin | 3.4229% | 2,467 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.8850% | 1,245 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.2780% | 4,185 |
| Return on assets (ROA) | 0.2780% | 4,218 |
| Pretax return on assets | 0.3725% | 4,153 |
| Return on Equity (ROE) | 2.9900% | 4,156 |
| Retained earnings to average equity (ytd only) | 2.9930% | 3,481 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.6769% | 469 |
| Assets per employee ($millions) | 7.2787% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 4,228 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,515 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.9800% | 1,535 |
| Net loans and leases to deposits | 92.3895% | 998 |
| Net loans and leases to core deposits | 93.7317% | 1,583 |
| Total domestic deposits to total assets | 77.9100% | 3,858 |
| Equity capital to assets | 9.3427% | 2,274 |
| Core capital (leverage) ratio | 9.6522% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7861% | 1,160 |
| Memoranda: | ||
| Average total assets | $313,002,667 | 2,365 |
| Average earning assets | $291,975,333 | 2,362 |
| Average equity | $29,067,667 | 2,302 |
| Average total loans | $216,787,333 | 2,173 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 3,983 |
| Cost of funding earning assets | 0.1612% | 4,436 |
| Net interest margin | 3.5653% | 2,209 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.8919% | 1,250 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3910% | 4,101 |
| Return on assets (ROA) | 0.3910% | 4,050 |
| Pretax return on assets | 0.5354% | 3,939 |
| Return on Equity (ROE) | 4.2200% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.2235% | 3,205 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.4132% | 620 |
| Assets per employee ($millions) | 6.8573% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6585% | 4,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,387 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 73.3600% | 1,282 |
| Net loans and leases to deposits | 88.9653% | 1,138 |
| Net loans and leases to core deposits | 90.1285% | 1,608 |
| Total domestic deposits to total assets | 82.4600% | 3,413 |
| Equity capital to assets | 9.8517% | 1,901 |
| Core capital (leverage) ratio | 9.8762% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1990% | 1,128 |
| Memoranda: | ||
| Average total assets | $313,012,000 | 2,394 |
| Average earning assets | $292,820,000 | 2,386 |
| Average equity | $28,981,000 | 2,333 |
| Average total loans | $211,773,000 | 2,228 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2118% | 3,805 |
| Cost of funding earning assets | 0.0893% | 4,431 |
| Net interest margin | 3.1226% | 3,106 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.5865% | 1,864 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.3027% | 4,362 |
| Return on assets (ROA) | 0.3027% | 4,336 |
| Pretax return on assets | 0.4128% | 4,266 |
| Return on Equity (ROE) | 3.4800% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.4805% | 3,567 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.0668% | 448 |
| Assets per employee ($millions) | 7.7014% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 4,372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 2,547 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.7900% | 2,461 |
| Net loans and leases to deposits | 69.8377% | 2,597 |
| Net loans and leases to core deposits | 70.7718% | 2,817 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 8.7308% | 2,544 |
| Core capital (leverage) ratio | 8.7166% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9017% | 992 |
| Memoranda: | ||
| Average total assets | $325,068,200 | 2,323 |
| Average earning assets | $304,686,600 | 2,313 |
| Average equity | $28,272,200 | 2,417 |
| Average total loans | $189,153,600 | 2,312 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9749% | 3,930 |
| Cost of funding earning assets | 0.0907% | 4,345 |
| Net interest margin | 2.8843% | 3,532 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.4915% | 2,037 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.2098% | 4,468 |
| Return on assets (ROA) | 0.2098% | 4,436 |
| Pretax return on assets | 0.2802% | 4,397 |
| Return on Equity (ROE) | 2.4100% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.4141% | 3,933 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.2662% | 343 |
| Assets per employee ($millions) | 8.0169% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 4,408 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,589 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.7900% | 2,719 |
| Net loans and leases to deposits | 65.1667% | 2,778 |
| Net loans and leases to core deposits | 66.1109% | 2,949 |
| Total domestic deposits to total assets | 88.6800% | 2,223 |
| Equity capital to assets | 8.6518% | 2,439 |
| Core capital (leverage) ratio | 8.5993% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4208% | 933 |
| Memoranda: | ||
| Average total assets | $323,545,000 | 2,354 |
| Average earning assets | $302,923,750 | 2,339 |
| Average equity | $28,112,000 | 2,457 |
| Average total loans | $184,994,000 | 2,344 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7725% | 4,025 |
| Cost of funding earning assets | 0.0923% | 4,272 |
| Net interest margin | 2.6802% | 3,744 |
| Noninterest income to average assets | 0.1212% | 4,391 |
| Noninterest expense to average assets | 2.4634% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1330% | 4,485 |
| Return on assets (ROA) | 0.1330% | 4,450 |
| Pretax return on assets | 0.1672% | 4,437 |
| Return on Equity (ROE) | 1.5284% | 4,403 |
| Retained earnings to average equity (ytd only) | 1.5284% | 3,873 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6452% | 298 |
| Assets per employee ($millions) | 8.1238% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 4,493 |
| Loan loss allowance to noncurrent loans | 278.9189% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 1,965 |
| Noncurrent loans to loans | 0.2035% | 2,698 |
| Net loans and leases to total assets | 54.2756% | 2,930 |
| Net loans and leases to deposits | 61.3366% | 2,945 |
| Net loans and leases to core deposits | 62.1183% | 3,105 |
| Total domestic deposits to total assets | 88.4881% | 2,388 |
| Equity capital to assets | 8.4498% | 2,799 |
| Core capital (leverage) ratio | 8.7968% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5433% | 781 |
| Memoranda: | ||
| Average total assets | $321,828,667 | 2,377 |
| Average earning assets | $301,318,667 | 2,377 |
| Average equity | $28,003,333 | 2,526 |
| Average total loans | $182,983,667 | 2,365 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7328% | 3,882 |
| Cost of funding earning assets | 0.0999% | 4,135 |
| Net interest margin | 2.6329% | 3,578 |
| Noninterest income to average assets | 0.0987% | 4,515 |
| Noninterest expense to average assets | 2.4465% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0999% | 4,469 |
| Return on assets (ROA) | 0.0999% | 4,442 |
| Pretax return on assets | 0.1189% | 4,424 |
| Return on Equity (ROE) | 1.1313% | 4,406 |
| Retained earnings to average equity (ytd only) | 1.1313% | 3,799 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3649% | 349 |
| Assets per employee ($millions) | 7.7132% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5506% | 4,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,626 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.9447% | 2,191 |
| Net loans and leases to deposits | 66.5781% | 2,287 |
| Net loans and leases to core deposits | 67.3973% | 2,501 |
| Total domestic deposits to total assets | 88.5347% | 2,283 |
| Equity capital to assets | 8.8451% | 2,846 |
| Core capital (leverage) ratio | 8.8842% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5489% | 961 |
| Memoranda: | ||
| Average total assets | $316,206,000 | 2,413 |
| Average earning assets | $296,253,500 | 2,414 |
| Average equity | $27,933,000 | 2,611 |
| Average total loans | $183,570,500 | 2,350 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8077% | 4,195 |
| Cost of funding earning assets | 0.1167% | 4,261 |
| Net interest margin | 2.6910% | 3,889 |
| Noninterest income to average assets | 0.1100% | 4,563 |
| Noninterest expense to average assets | 2.5285% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0808% | 4,636 |
| Return on assets (ROA) | 0.0808% | 4,646 |
| Pretax return on assets | 0.0894% | 4,646 |
| Return on Equity (ROE) | 0.8753% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.8753% | 4,292 |
| Net charge-offs to loans | 0.0065% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 24.4545% | 1,744 |
| Efficiency ratio | 96.5837% | 193 |
| Assets per employee ($millions) | 7.7115% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 4,558 |
| Loan loss allowance to noncurrent loans | 6,070.5882% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,728 |
| Noncurrent loans to loans | 0.0095% | 4,030 |
| Net loans and leases to total assets | 56.5104% | 2,538 |
| Net loans and leases to deposits | 63.7500% | 2,705 |
| Net loans and leases to core deposits | 68.0940% | 2,643 |
| Total domestic deposits to total assets | 88.6438% | 1,706 |
| Equity capital to assets | 8.8225% | 3,787 |
| Core capital (leverage) ratio | 8.6764% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5520% | 813 |
| Memoranda: | ||
| Average total assets | $300,775,400 | 2,431 |
| Average earning assets | $280,299,800 | 2,438 |
| Average equity | $27,762,600 | 2,664 |
| Average total loans | $169,500,800 | 2,470 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8286% | 4,261 |
| Cost of funding earning assets | 0.1172% | 4,368 |
| Net interest margin | 2.7113% | 3,945 |
| Noninterest income to average assets | 0.1069% | 4,645 |
| Noninterest expense to average assets | 2.5496% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0754% | 4,711 |
| Return on assets (ROA) | 0.0754% | 4,727 |
| Pretax return on assets | 0.0808% | 4,722 |
| Return on Equity (ROE) | 0.8078% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.8078% | 4,446 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9273% | 182 |
| Assets per employee ($millions) | 7.4126% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 4,624 |
| Loan loss allowance to noncurrent loans | 3,596.5517% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,953 |
| Noncurrent loans to loans | 0.0170% | 4,077 |
| Net loans and leases to total assets | 53.2312% | 3,055 |
| Net loans and leases to deposits | 59.9569% | 3,233 |
| Net loans and leases to core deposits | 64.1236% | 3,127 |
| Total domestic deposits to total assets | 88.7824% | 1,410 |
| Equity capital to assets | 8.7275% | 4,049 |
| Core capital (leverage) ratio | 8.7451% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9072% | 701 |
| Memoranda: | ||
| Average total assets | $296,926,750 | 2,471 |
| Average earning assets | $276,363,750 | 2,472 |
| Average equity | $27,729,750 | 2,699 |
| Average total loans | $166,950,750 | 2,531 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8118% | 4,330 |
| Cost of funding earning assets | 0.1190% | 4,445 |
| Net interest margin | 2.6928% | 3,993 |
| Noninterest income to average assets | 0.0918% | 4,722 |
| Noninterest expense to average assets | 2.5748% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0352% | 4,761 |
| Return on assets (ROA) | 0.0352% | 4,769 |
| Pretax return on assets | 0.0180% | 4,772 |
| Return on Equity (ROE) | 0.3682% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.3682% | 4,454 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3076% | 175 |
| Assets per employee ($millions) | 7.3432% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 4,625 |
| Loan loss allowance to noncurrent loans | 220.9746% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 2,302 |
| Noncurrent loans to loans | 0.2855% | 2,908 |
| Net loans and leases to total assets | 53.2701% | 3,227 |
| Net loans and leases to deposits | 60.2438% | 3,373 |
| Net loans and leases to core deposits | 64.5274% | 3,241 |
| Total domestic deposits to total assets | 88.4243% | 1,609 |
| Equity capital to assets | 8.9821% | 3,808 |
| Core capital (leverage) ratio | 9.3538% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9826% | 620 |
| Memoranda: | ||
| Average total assets | $289,655,667 | 2,497 |
| Average earning assets | $269,011,667 | 2,511 |
| Average equity | $27,700,333 | 2,692 |
| Average total loans | $165,697,000 | 2,545 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9915% | 4,107 |
| Cost of funding earning assets | 0.1186% | 4,528 |
| Net interest margin | 2.8730% | 3,586 |
| Noninterest income to average assets | 0.0899% | 4,727 |
| Noninterest expense to average assets | 2.6945% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0671% | 4,740 |
| Return on assets (ROA) | 0.0671% | 4,747 |
| Pretax return on assets | 0.0585% | 4,757 |
| Return on Equity (ROE) | 0.6787% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.6787% | 4,274 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8745% | 218 |
| Assets per employee ($millions) | 6.5399% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6432% | 4,638 |
| Loan loss allowance to noncurrent loans | 435.0000% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,842 |
| Noncurrent loans to loans | 0.1479% | 3,586 |
| Net loans and leases to total assets | 54.7996% | 3,159 |
| Net loans and leases to deposits | 62.3138% | 3,291 |
| Net loans and leases to core deposits | 66.0384% | 3,236 |
| Total domestic deposits to total assets | 87.9414% | 1,876 |
| Equity capital to assets | 9.4116% | 3,281 |
| Core capital (leverage) ratio | 9.9921% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6078% | 543 |
| Memoranda: | ||
| Average total assets | $280,277,000 | 2,541 |
| Average earning assets | $259,799,500 | 2,547 |
| Average equity | $27,699,500 | 2,693 |
| Average total loans | $165,878,000 | 2,545 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 4,183 |
| Cost of funding earning assets | 0.1448% | 4,743 |
| Net interest margin | 3.2622% | 3,177 |
| Noninterest income to average assets | 0.1187% | 4,676 |
| Noninterest expense to average assets | 2.9172% | 1,638 |
| Loan and lease loss provision to assets | -0.0855% | 4,951 |
| Net operating income to assets | 0.2261% | 4,540 |
| Return on assets (ROA) | 0.2261% | 4,598 |
| Pretax return on assets | 0.2878% | 4,562 |
| Return on Equity (ROE) | 2.1086% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.1086% | 3,780 |
| Net charge-offs to loans | -0.0189% | 4,409 |
| Credit loss provision to net charge-offs | 684.3750% | 1,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5153% | 281 |
| Assets per employee ($millions) | 5.9168% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 4,705 |
| Loan loss allowance to noncurrent loans | 150.4323% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 2,190 |
| Noncurrent loans to loans | 0.4096% | 2,748 |
| Net loans and leases to total assets | 63.2450% | 2,461 |
| Net loans and leases to deposits | 72.9021% | 2,598 |
| Net loans and leases to core deposits | 77.4750% | 2,599 |
| Total domestic deposits to total assets | 86.7534% | 2,054 |
| Equity capital to assets | 10.4038% | 2,750 |
| Core capital (leverage) ratio | 10.2148% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2563% | 644 |
| Memoranda: | ||
| Average total assets | $256,064,200 | 2,540 |
| Average earning assets | $235,549,600 | 2,552 |
| Average equity | $27,459,400 | 2,640 |
| Average total loans | $168,993,800 | 2,495 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 4,236 |
| Cost of funding earning assets | 0.1505% | 4,802 |
| Net interest margin | 3.3301% | 3,098 |
| Noninterest income to average assets | 0.1152% | 4,702 |
| Noninterest expense to average assets | 2.9510% | 1,563 |
| Loan and lease loss provision to assets | -0.1152% | 5,002 |
| Net operating income to assets | 0.2624% | 4,503 |
| Return on assets (ROA) | 0.2624% | 4,547 |
| Pretax return on assets | 0.3397% | 4,506 |
| Return on Equity (ROE) | 2.4283% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.4283% | 3,773 |
| Net charge-offs to loans | -0.0253% | 4,476 |
| Credit loss provision to net charge-offs | 684.3750% | 1,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9281% | 286 |
| Assets per employee ($millions) | 6.0233% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 4,680 |
| Loan loss allowance to noncurrent loans | 126.3923% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 2,209 |
| Noncurrent loans to loans | 0.5031% | 2,545 |
| Net loans and leases to total assets | 60.1885% | 3,209 |
| Net loans and leases to deposits | 69.1921% | 3,382 |
| Net loans and leases to core deposits | 72.2858% | 3,451 |
| Total domestic deposits to total assets | 86.9875% | 1,676 |
| Equity capital to assets | 10.1905% | 3,077 |
| Core capital (leverage) ratio | 10.3728% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8713% | 694 |
| Memoranda: | ||
| Average total assets | $253,515,750 | 2,543 |
| Average earning assets | $232,977,500 | 2,557 |
| Average equity | $27,399,000 | 2,633 |
| Average total loans | $168,882,500 | 2,499 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 4,278 |
| Cost of funding earning assets | 0.1611% | 4,854 |
| Net interest margin | 3.4270% | 3,014 |
| Noninterest income to average assets | 0.1066% | 4,755 |
| Noninterest expense to average assets | 3.0129% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1914% | 4,584 |
| Return on assets (ROA) | 0.1914% | 4,626 |
| Pretax return on assets | 0.2382% | 4,598 |
| Return on Equity (ROE) | 1.7347% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.7347% | 3,861 |
| Net charge-offs to loans | -0.0375% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6726% | 329 |
| Assets per employee ($millions) | 5.8202% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 4,499 |
| Loan loss allowance to noncurrent loans | 75.5383% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 1,903 |
| Noncurrent loans to loans | 0.9733% | 1,590 |
| Net loans and leases to total assets | 65.1094% | 2,743 |
| Net loans and leases to deposits | 75.0277% | 2,971 |
| Net loans and leases to core deposits | 78.7638% | 3,046 |
| Total domestic deposits to total assets | 86.7804% | 1,705 |
| Equity capital to assets | 10.4461% | 2,792 |
| Core capital (leverage) ratio | 11.1806% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9606% | 677 |
| Memoranda: | ||
| Average total assets | $247,672,000 | 2,554 |
| Average earning assets | $227,252,000 | 2,572 |
| Average equity | $27,325,000 | 2,623 |
| Average total loans | $170,449,000 | 2,466 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 3,990 |
| Cost of funding earning assets | 0.1866% | 4,914 |
| Net interest margin | 3.7360% | 2,197 |
| Noninterest income to average assets | 0.1580% | 4,584 |
| Noninterest expense to average assets | 3.1211% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3575% | 4,225 |
| Return on assets (ROA) | 0.3575% | 4,258 |
| Pretax return on assets | 0.4656% | 4,182 |
| Return on Equity (ROE) | 3.1493% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.1493% | 3,018 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0190% | 635 |
| Assets per employee ($millions) | 5.2847% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 4,568 |
| Loan loss allowance to noncurrent loans | 68.5412% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 1,791 |
| Noncurrent loans to loans | 1.0552% | 1,571 |
| Net loans and leases to total assets | 71.0526% | 2,083 |
| Net loans and leases to deposits | 83.2046% | 2,314 |
| Net loans and leases to core deposits | 87.8757% | 2,530 |
| Total domestic deposits to total assets | 85.3951% | 2,251 |
| Equity capital to assets | 11.5285% | 2,418 |
| Core capital (leverage) ratio | 11.5870% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2531% | 721 |
| Memoranda: | ||
| Average total assets | $240,554,500 | 2,552 |
| Average earning assets | $220,771,500 | 2,567 |
| Average equity | $27,308,000 | 2,622 |
| Average total loans | $169,779,000 | 2,455 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 3,751 |
| Cost of funding earning assets | 0.2511% | 4,850 |
| Net interest margin | 3.9732% | 1,931 |
| Noninterest income to average assets | 0.1697% | 4,641 |
| Noninterest expense to average assets | 3.1260% | 1,702 |
| Loan and lease loss provision to assets | 0.0020% | 3,953 |
| Net operating income to assets | 0.5210% | 4,360 |
| Return on assets (ROA) | 0.5210% | 4,408 |
| Pretax return on assets | 0.7127% | 4,181 |
| Return on Equity (ROE) | 4.8214% | 4,264 |
| Retained earnings to average equity (ytd only) | 4.8214% | 2,522 |
| Net charge-offs to loans | 0.0029% | 3,581 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 351.2000% | 250 |
| Efficiency ratio | 81.3904% | 840 |
| Assets per employee ($millions) | 5.4066% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 4,516 |
| Loan loss allowance to noncurrent loans | 78.8462% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 1,981 |
| Noncurrent loans to loans | 0.9211% | 1,668 |
| Net loans and leases to total assets | 69.1029% | 2,531 |
| Net loans and leases to deposits | 80.4300% | 2,730 |
| Net loans and leases to core deposits | 83.8245% | 2,966 |
| Total domestic deposits to total assets | 85.9169% | 2,099 |
| Equity capital to assets | 11.1797% | 2,832 |
| Core capital (leverage) ratio | 11.0240% | 2,483 |
| Tier 1 risk-based capital ratio | 19.5374% | 1,404 |
| Total risk-based capital ratio | 20.4206% | 1,450 |
| Memoranda: | ||
| Average total assets | $245,681,400 | 2,489 |
| Average earning assets | $226,995,400 | 2,484 |
| Average equity | $26,548,400 | 2,589 |
| Average total loans | $173,027,400 | 2,388 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 3,780 |
| Cost of funding earning assets | 0.2690% | 4,878 |
| Net interest margin | 3.9917% | 1,966 |
| Noninterest income to average assets | 0.1689% | 4,706 |
| Noninterest expense to average assets | 3.1590% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5246% | 4,460 |
| Return on assets (ROA) | 0.5246% | 4,510 |
| Pretax return on assets | 0.6973% | 4,346 |
| Return on Equity (ROE) | 4.8965% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.8965% | 2,938 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9177% | 764 |
| Assets per employee ($millions) | 5.8398% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 4,628 |
| Loan loss allowance to noncurrent loans | 79.7665% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,116 |
| Noncurrent loans to loans | 0.8927% | 1,792 |
| Net loans and leases to total assets | 69.9280% | 2,488 |
| Net loans and leases to deposits | 81.2380% | 2,770 |
| Net loans and leases to core deposits | 86.3323% | 2,879 |
| Total domestic deposits to total assets | 86.0778% | 1,962 |
| Equity capital to assets | 10.9634% | 3,128 |
| Core capital (leverage) ratio | 10.5783% | 3,028 |
| Tier 1 risk-based capital ratio | 18.7026% | 1,638 |
| Total risk-based capital ratio | 19.5578% | 1,701 |
| Memoranda: | ||
| Average total assets | $246,277,250 | 2,505 |
| Average earning assets | $227,501,750 | 2,507 |
| Average equity | $26,385,500 | 2,614 |
| Average total loans | $173,945,250 | 2,407 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 3,813 |
| Cost of funding earning assets | 0.2846% | 4,865 |
| Net interest margin | 3.9583% | 2,065 |
| Noninterest income to average assets | 0.1654% | 4,760 |
| Noninterest expense to average assets | 3.1410% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5117% | 4,505 |
| Return on assets (ROA) | 0.5117% | 4,538 |
| Pretax return on assets | 0.6788% | 4,380 |
| Return on Equity (ROE) | 4.8136% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.8136% | 2,860 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2293% | 788 |
| Assets per employee ($millions) | 6.2035% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 4,702 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,899 |
| Noncurrent loans to loans | 1.0606% | 1,548 |
| Net loans and leases to total assets | 67.9099% | 2,826 |
| Net loans and leases to deposits | 78.2070% | 3,134 |
| Net loans and leases to core deposits | 82.6328% | 3,233 |
| Total domestic deposits to total assets | 86.8335% | 1,672 |
| Equity capital to assets | 10.4394% | 3,574 |
| Core capital (leverage) ratio | 10.8334% | 2,760 |
| Tier 1 risk-based capital ratio | 18.5429% | 1,653 |
| Total risk-based capital ratio | 19.4016% | 1,721 |
| Memoranda: | ||
| Average total assets | $246,612,670 | 2,514 |
| Average earning assets | $227,674,330 | 2,520 |
| Average equity | $26,217,330 | 2,620 |
| Average total loans | $174,346,000 | 2,415 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 3,735 |
| Cost of funding earning assets | 0.2943% | 4,869 |
| Net interest margin | 3.9492% | 2,023 |
| Noninterest income to average assets | 0.1714% | 4,713 |
| Noninterest expense to average assets | 3.1358% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5174% | 4,469 |
| Return on assets (ROA) | 0.5174% | 4,490 |
| Pretax return on assets | 0.6838% | 4,337 |
| Return on Equity (ROE) | 4.8215% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.8215% | 2,980 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0966% | 861 |
| Assets per employee ($millions) | 5.9626% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6995% | 4,781 |
| Loan loss allowance to noncurrent loans | 42.6491% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 1,033 |
| Noncurrent loans to loans | 1.6401% | 960 |
| Net loans and leases to total assets | 71.4242% | 2,270 |
| Net loans and leases to deposits | 85.7692% | 2,151 |
| Net loans and leases to core deposits | 92.9973% | 2,209 |
| Total domestic deposits to total assets | 83.2750% | 3,291 |
| Equity capital to assets | 10.7201% | 3,145 |
| Core capital (leverage) ratio | 10.9287% | 2,639 |
| Tier 1 risk-based capital ratio | 18.1309% | 1,763 |
| Total risk-based capital ratio | 18.9807% | 1,831 |
| Memoranda: | ||
| Average total assets | $242,747,500 | 2,566 |
| Average earning assets | $224,250,500 | 2,561 |
| Average equity | $26,050,000 | 2,637 |
| Average total loans | $174,542,000 | 2,424 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 4,204 |
| Cost of funding earning assets | 0.2072% | 4,974 |
| Net interest margin | 3.7264% | 2,942 |
| Noninterest income to average assets | 0.1716% | 4,872 |
| Noninterest expense to average assets | 2.9827% | 2,089 |
| Loan and lease loss provision to assets | 0.1039% | 2,116 |
| Net operating income to assets | 0.4189% | 4,831 |
| Return on assets (ROA) | 0.4189% | 4,825 |
| Pretax return on assets | 0.5368% | 4,745 |
| Return on Equity (ROE) | 4.1469% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.1469% | 3,278 |
| Net charge-offs to loans | -0.0036% | 4,299 |
| Credit loss provision to net charge-offs | -4,350.0000% | 4,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3167% | 772 |
| Assets per employee ($millions) | 5.8788% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 4,786 |
| Loan loss allowance to noncurrent loans | 68.2954% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,650 |
| Noncurrent loans to loans | 1.0396% | 1,574 |
| Net loans and leases to total assets | 71.3673% | 2,368 |
| Net loans and leases to deposits | 85.5788% | 2,336 |
| Net loans and leases to core deposits | 92.6192% | 2,354 |
| Total domestic deposits to total assets | 83.3937% | 3,193 |
| Equity capital to assets | 10.7427% | 2,939 |
| Core capital (leverage) ratio | 10.3754% | 3,167 |
| Tier 1 risk-based capital ratio | 18.3462% | 1,655 |
| Total risk-based capital ratio | 19.2165% | 1,723 |
| Memoranda: | ||
| Average total assets | $251,115,400 | 2,463 |
| Average earning assets | $232,613,600 | 2,468 |
| Average equity | $25,368,400 | 2,617 |
| Average total loans | $168,121,400 | 2,455 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 4,359 |
| Cost of funding earning assets | 0.1992% | 5,022 |
| Net interest margin | 3.6358% | 3,247 |
| Noninterest income to average assets | 0.1708% | 4,933 |
| Noninterest expense to average assets | 2.9369% | 2,204 |
| Loan and lease loss provision to assets | 0.0510% | 2,965 |
| Net operating income to assets | 0.4416% | 4,872 |
| Return on assets (ROA) | 0.4416% | 4,878 |
| Pretax return on assets | 0.5504% | 4,816 |
| Return on Equity (ROE) | 4.4378% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.4378% | 3,532 |
| Net charge-offs to loans | -0.0048% | 4,219 |
| Credit loss provision to net charge-offs | -1,616.6667% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0040% | 704 |
| Assets per employee ($millions) | 6.5009% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,995 |
| Loan loss allowance to noncurrent loans | 66.1911% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 1,725 |
| Noncurrent loans to loans | 0.9560% | 1,778 |
| Net loans and leases to total assets | 64.4322% | 3,371 |
| Net loans and leases to deposits | 73.4427% | 3,649 |
| Net loans and leases to core deposits | 80.0982% | 3,488 |
| Total domestic deposits to total assets | 87.7313% | 1,373 |
| Equity capital to assets | 9.8756% | 3,762 |
| Core capital (leverage) ratio | 10.0401% | 3,592 |
| Tier 1 risk-based capital ratio | 18.8545% | 1,573 |
| Total risk-based capital ratio | 19.6368% | 1,649 |
| Memoranda: | ||
| Average total assets | $253,637,000 | 2,464 |
| Average earning assets | $234,919,500 | 2,466 |
| Average equity | $25,237,250 | 2,641 |
| Average total loans | $166,840,250 | 2,481 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,322 |
| Cost of funding earning assets | 0.2012% | 5,024 |
| Net interest margin | 3.6080% | 3,276 |
| Noninterest income to average assets | 0.1829% | 4,915 |
| Noninterest expense to average assets | 2.9598% | 2,170 |
| Loan and lease loss provision to assets | 0.0278% | 3,360 |
| Net operating income to assets | 0.4183% | 4,923 |
| Return on assets (ROA) | 0.4183% | 4,928 |
| Pretax return on assets | 0.5328% | 4,848 |
| Return on Equity (ROE) | 4.1930% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.1930% | 3,513 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0750% | 683 |
| Assets per employee ($millions) | 6.3551% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 5,122 |
| Loan loss allowance to noncurrent loans | 60.8775% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,691 |
| Noncurrent loans to loans | 0.9662% | 1,801 |
| Net loans and leases to total assets | 66.4184% | 3,078 |
| Net loans and leases to deposits | 75.6935% | 3,369 |
| Net loans and leases to core deposits | 80.3272% | 3,390 |
| Total domestic deposits to total assets | 87.7465% | 1,508 |
| Equity capital to assets | 9.9786% | 3,648 |
| Core capital (leverage) ratio | 10.2407% | 3,302 |
| Tier 1 risk-based capital ratio | 18.4209% | 1,692 |
| Total risk-based capital ratio | 19.1453% | 1,791 |
| Memoranda: | ||
| Average total assets | $251,504,000 | 2,493 |
| Average earning assets | $232,647,000 | 2,490 |
| Average equity | $25,089,670 | 2,659 |
| Average total loans | $166,249,000 | 2,498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,327 |
| Cost of funding earning assets | 0.2036% | 4,996 |
| Net interest margin | 3.5560% | 3,324 |
| Noninterest income to average assets | 0.2111% | 4,752 |
| Noninterest expense to average assets | 2.9646% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4253% | 4,873 |
| Return on assets (ROA) | 0.4253% | 4,880 |
| Pretax return on assets | 0.5421% | 4,807 |
| Return on Equity (ROE) | 4.2643% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.2643% | 3,482 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5417% | 759 |
| Assets per employee ($millions) | 6.1743% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,210 |
| Loan loss allowance to noncurrent loans | 27.2933% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6398% | 816 |
| Noncurrent loans to loans | 2.1501% | 713 |
| Net loans and leases to total assets | 64.5122% | 3,239 |
| Net loans and leases to deposits | 73.4129% | 3,473 |
| Net loans and leases to core deposits | 77.7707% | 3,511 |
| Total domestic deposits to total assets | 87.8758% | 1,691 |
| Equity capital to assets | 9.9089% | 3,689 |
| Core capital (leverage) ratio | 9.9514% | 3,586 |
| Tier 1 risk-based capital ratio | 18.4906% | 1,696 |
| Total risk-based capital ratio | 19.2012% | 1,800 |
| Memoranda: | ||
| Average total assets | $250,153,500 | 2,517 |
| Average earning assets | $231,835,500 | 2,519 |
| Average equity | $24,951,500 | 2,692 |
| Average total loans | $164,454,500 | 2,531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,298 |
| Cost of funding earning assets | 0.2045% | 4,911 |
| Net interest margin | 3.5114% | 3,487 |
| Noninterest income to average assets | 0.1578% | 5,172 |
| Noninterest expense to average assets | 2.8994% | 2,458 |
| Loan and lease loss provision to assets | 0.0216% | 3,869 |
| Net operating income to assets | 0.0425% | 5,313 |
| Return on assets (ROA) | 0.0425% | 5,323 |
| Pretax return on assets | 0.4699% | 4,974 |
| Return on Equity (ROE) | 0.4249% | 5,318 |
| Retained earnings to average equity (ytd only) | 0.4249% | 4,865 |
| Net charge-offs to loans | 0.8106% | 247 |
| Credit loss provision to net charge-offs | 4.0119% | 3,694 |
| Earnings coverage of net charge-offs (x) | 0.9116% | 3,948 |
| Efficiency ratio | 85.5033% | 674 |
| Assets per employee ($millions) | 6.0283% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 5,270 |
| Loan loss allowance to noncurrent loans | 30.3622% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 693 |
| Noncurrent loans to loans | 1.9285% | 801 |
| Net loans and leases to total assets | 66.2204% | 3,072 |
| Net loans and leases to deposits | 75.3793% | 3,396 |
| Net loans and leases to core deposits | 79.2220% | 3,485 |
| Total domestic deposits to total assets | 87.8496% | 1,584 |
| Equity capital to assets | 10.0416% | 3,658 |
| Core capital (leverage) ratio | 10.1038% | 3,314 |
| Tier 1 risk-based capital ratio | 18.2199% | 1,733 |
| Total risk-based capital ratio | 18.9276% | 1,845 |
| Memoranda: | ||
| Average total assets | $249,605,000 | 2,495 |
| Average earning assets | $229,825,000 | 2,497 |
| Average equity | $24,944,800 | 2,678 |
| Average total loans | $166,056,000 | 2,465 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,328 |
| Cost of funding earning assets | 0.2034% | 4,951 |
| Net interest margin | 3.4940% | 3,522 |
| Noninterest income to average assets | 0.1577% | 5,227 |
| Noninterest expense to average assets | 2.9089% | 2,371 |
| Loan and lease loss provision to assets | 0.0288% | 3,550 |
| Net operating income to assets | 0.3091% | 5,202 |
| Return on assets (ROA) | 0.3091% | 5,223 |
| Pretax return on assets | 0.4327% | 5,134 |
| Return on Equity (ROE) | 3.0962% | 5,086 |
| Retained earnings to average equity (ytd only) | 3.0962% | 4,068 |
| Net charge-offs to loans | 1.0664% | 161 |
| Credit loss provision to net charge-offs | 4.0571% | 3,255 |
| Earnings coverage of net charge-offs (x) | 0.6506% | 3,647 |
| Efficiency ratio | 86.3083% | 614 |
| Assets per employee ($millions) | 6.0195% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 5,320 |
| Loan loss allowance to noncurrent loans | 38.8492% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 1,014 |
| Noncurrent loans to loans | 1.5457% | 1,205 |
| Net loans and leases to total assets | 64.0983% | 3,384 |
| Net loans and leases to deposits | 73.2988% | 3,638 |
| Net loans and leases to core deposits | 77.1897% | 3,710 |
| Total domestic deposits to total assets | 87.4479% | 1,646 |
| Equity capital to assets | 10.0040% | 3,904 |
| Core capital (leverage) ratio | 9.8832% | 3,718 |
| Tier 1 risk-based capital ratio | 18.7387% | 1,668 |
| Total risk-based capital ratio | 19.4640% | 1,759 |
| Memoranda: | ||
| Average total assets | $250,216,000 | 2,509 |
| Average earning assets | $230,062,750 | 2,518 |
| Average equity | $24,976,250 | 2,698 |
| Average total loans | $166,411,250 | 2,477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 4,231 |
| Cost of funding earning assets | 0.2006% | 4,975 |
| Net interest margin | 3.4991% | 3,401 |
| Noninterest income to average assets | 0.1564% | 5,274 |
| Noninterest expense to average assets | 2.9517% | 2,261 |
| Loan and lease loss provision to assets | 0.0433% | 3,131 |
| Net operating income to assets | 0.2759% | 5,279 |
| Return on assets (ROA) | 0.2759% | 5,294 |
| Pretax return on assets | 0.3786% | 5,211 |
| Return on Equity (ROE) | 2.7663% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.7663% | 4,052 |
| Net charge-offs to loans | 1.5889% | 107 |
| Credit loss provision to net charge-offs | 4.0571% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.3952% | 3,380 |
| Efficiency ratio | 87.4941% | 575 |
| Assets per employee ($millions) | 5.8560% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5866% | 5,401 |
| Loan loss allowance to noncurrent loans | 54.1782% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 1,345 |
| Noncurrent loans to loans | 1.0827% | 1,813 |
| Net loans and leases to total assets | 67.4618% | 2,884 |
| Net loans and leases to deposits | 76.9238% | 3,230 |
| Net loans and leases to core deposits | 81.1538% | 3,332 |
| Total domestic deposits to total assets | 87.6996% | 1,615 |
| Equity capital to assets | 10.1874% | 3,682 |
| Core capital (leverage) ratio | 10.3306% | 3,103 |
| Tier 1 risk-based capital ratio | 18.0619% | 1,839 |
| Total risk-based capital ratio | 18.7676% | 1,956 |
| Memoranda: | ||
| Average total assets | $249,348,670 | 2,522 |
| Average earning assets | $229,260,330 | 2,537 |
| Average equity | $24,871,000 | 2,714 |
| Average total loans | $167,538,000 | 2,471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 4,086 |
| Cost of funding earning assets | 0.1991% | 4,985 |
| Net interest margin | 3.5119% | 3,231 |
| Noninterest income to average assets | 0.1498% | 5,367 |
| Noninterest expense to average assets | 2.9843% | 2,203 |
| Loan and lease loss provision to assets | 0.0860% | 2,097 |
| Net operating income to assets | 0.2199% | 5,367 |
| Return on assets (ROA) | 0.2199% | 5,377 |
| Pretax return on assets | 0.3107% | 5,301 |
| Return on Equity (ROE) | 2.2277% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.2277% | 4,248 |
| Net charge-offs to loans | 3.1336% | 49 |
| Credit loss provision to net charge-offs | 4.1065% | 2,261 |
| Earnings coverage of net charge-offs (x) | 0.1894% | 2,838 |
| Efficiency ratio | 88.2658% | 648 |
| Assets per employee ($millions) | 5.8138% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5970% | 5,482 |
| Loan loss allowance to noncurrent loans | 31.1035% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 766 |
| Noncurrent loans to loans | 1.9194% | 944 |
| Net loans and leases to total assets | 67.8495% | 2,704 |
| Net loans and leases to deposits | 77.5705% | 3,023 |
| Net loans and leases to core deposits | 82.6004% | 3,030 |
| Total domestic deposits to total assets | 87.4683% | 2,001 |
| Equity capital to assets | 10.1769% | 3,535 |
| Core capital (leverage) ratio | 10.1759% | 3,269 |
| Tier 1 risk-based capital ratio | 17.7192% | 1,973 |
| Total risk-based capital ratio | 18.4287% | 2,074 |
| Memoranda: | ||
| Average total assets | $251,047,500 | 2,536 |
| Average earning assets | $230,987,500 | 2,541 |
| Average equity | $24,778,500 | 2,727 |
| Average total loans | $167,856,000 | 2,475 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 3,996 |
| Cost of funding earning assets | 0.1999% | 5,011 |
| Net interest margin | 3.5703% | 3,185 |
| Noninterest income to average assets | 0.2248% | 5,065 |
| Noninterest expense to average assets | 2.8193% | 2,964 |
| Loan and lease loss provision to assets | 0.2398% | 888 |
| Net operating income to assets | 0.3207% | 5,169 |
| Return on assets (ROA) | 0.3207% | 5,241 |
| Pretax return on assets | 0.4428% | 5,136 |
| Return on Equity (ROE) | 3.1659% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.1659% | 3,659 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5073% | 1,361 |
| Assets per employee ($millions) | 6.1408% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,359 |
| Loan loss allowance to noncurrent loans | 49.1721% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 547 |
| Noncurrent loans to loans | 2.7153% | 554 |
| Net loans and leases to total assets | 64.6667% | 3,266 |
| Net loans and leases to deposits | 73.1183% | 3,603 |
| Net loans and leases to core deposits | 81.3090% | 3,282 |
| Total domestic deposits to total assets | 88.4412% | 1,413 |
| Equity capital to assets | 9.5795% | 4,188 |
| Core capital (leverage) ratio | 9.7455% | 3,807 |
| Tier 1 risk-based capital ratio | 17.3001% | 2,061 |
| Total risk-based capital ratio | 18.5538% | 2,020 |
| Memoranda: | ||
| Average total assets | $239,812,000 | 2,578 |
| Average earning assets | $220,120,600 | 2,597 |
| Average equity | $24,290,400 | 2,779 |
| Average total loans | $170,486,600 | 2,411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,766 |
| Cost of funding earning assets | 0.1973% | 5,098 |
| Net interest margin | 3.6532% | 2,876 |
| Noninterest income to average assets | 0.2233% | 5,134 |
| Noninterest expense to average assets | 2.8532% | 2,815 |
| Loan and lease loss provision to assets | 0.2737% | 645 |
| Net operating income to assets | 0.3179% | 5,247 |
| Return on assets (ROA) | 0.3179% | 5,329 |
| Pretax return on assets | 0.4431% | 5,240 |
| Return on Equity (ROE) | 3.0926% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.0926% | 4,058 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9206% | 1,438 |
| Assets per employee ($millions) | 6.0477% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,884 |
| Loan loss allowance to noncurrent loans | 43.3087% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.5224% | 539 |
| Noncurrent loans to loans | 2.9134% | 531 |
| Net loans and leases to total assets | 70.0345% | 2,483 |
| Net loans and leases to deposits | 79.7491% | 2,998 |
| Net loans and leases to core deposits | 83.5280% | 3,175 |
| Total domestic deposits to total assets | 87.8185% | 1,492 |
| Equity capital to assets | 10.1195% | 4,015 |
| Core capital (leverage) ratio | 9.9851% | 3,590 |
| Tier 1 risk-based capital ratio | 16.6636% | 2,353 |
| Total risk-based capital ratio | 17.9161% | 2,299 |
| Memoranda: | ||
| Average total assets | $235,286,250 | 2,630 |
| Average earning assets | $215,548,000 | 2,652 |
| Average equity | $24,186,250 | 2,803 |
| Average total loans | $170,847,750 | 2,407 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 3,767 |
| Cost of funding earning assets | 0.2006% | 5,134 |
| Net interest margin | 3.6519% | 2,886 |
| Noninterest income to average assets | 0.2428% | 5,031 |
| Noninterest expense to average assets | 2.8085% | 2,998 |
| Loan and lease loss provision to assets | 0.3364% | 489 |
| Net operating income to assets | 0.3166% | 5,271 |
| Return on assets (ROA) | 0.3166% | 5,356 |
| Pretax return on assets | 0.4402% | 5,262 |
| Return on Equity (ROE) | 3.0637% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.0637% | 3,963 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3389% | 1,738 |
| Assets per employee ($millions) | 5.9403% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,390 |
| Loan loss allowance to noncurrent loans | 40.7589% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.6047% | 512 |
| Noncurrent loans to loans | 2.9341% | 516 |
| Net loans and leases to total assets | 72.0783% | 2,154 |
| Net loans and leases to deposits | 82.1116% | 2,702 |
| Net loans and leases to core deposits | 86.1378% | 2,882 |
| Total domestic deposits to total assets | 87.7809% | 1,541 |
| Equity capital to assets | 10.2222% | 3,948 |
| Core capital (leverage) ratio | 10.3707% | 3,111 |
| Tier 1 risk-based capital ratio | 16.3739% | 2,474 |
| Total risk-based capital ratio | 17.6251% | 2,418 |
| Memoranda: | ||
| Average total assets | $233,079,000 | 2,654 |
| Average earning assets | $213,314,000 | 2,679 |
| Average equity | $24,088,330 | 2,827 |
| Average total loans | $170,602,330 | 2,406 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 3,995 |
| Cost of funding earning assets | 0.2064% | 5,143 |
| Net interest margin | 3.5786% | 3,170 |
| Noninterest income to average assets | 0.3258% | 4,404 |
| Noninterest expense to average assets | 2.7711% | 3,183 |
| Loan and lease loss provision to assets | 0.5199% | 229 |
| Net operating income to assets | 0.2392% | 5,453 |
| Return on assets (ROA) | 0.2392% | 5,518 |
| Pretax return on assets | 0.3102% | 5,491 |
| Return on Equity (ROE) | 2.3012% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.3012% | 4,334 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9490% | 2,050 |
| Assets per employee ($millions) | 6.3247% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,693 |
| Loan loss allowance to noncurrent loans | 38.9162% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.6477% | 540 |
| Noncurrent loans to loans | 2.9903% | 551 |
| Net loans and leases to total assets | 71.9329% | 2,049 |
| Net loans and leases to deposits | 81.9171% | 2,553 |
| Net loans and leases to core deposits | 86.7316% | 2,683 |
| Total domestic deposits to total assets | 87.8118% | 1,739 |
| Equity capital to assets | 10.2802% | 3,768 |
| Core capital (leverage) ratio | 10.3605% | 3,116 |
| Tier 1 risk-based capital ratio | 16.4407% | 2,499 |
| Total risk-based capital ratio | 17.6913% | 2,455 |
| Memoranda: | ||
| Average total assets | $230,813,000 | 2,685 |
| Average earning assets | $211,254,500 | 2,705 |
| Average equity | $23,988,000 | 2,836 |
| Average total loans | $169,234,000 | 2,410 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,740 |
| Cost of funding earning assets | 0.2484% | 4,802 |
| Net interest margin | 3.6417% | 2,973 |
| Noninterest income to average assets | 0.1676% | 5,580 |
| Noninterest expense to average assets | 2.8258% | 3,128 |
| Loan and lease loss provision to assets | 0.2100% | 998 |
| Net operating income to assets | 0.3204% | 5,297 |
| Return on assets (ROA) | 0.3204% | 5,383 |
| Pretax return on assets | 0.4586% | 5,207 |
| Return on Equity (ROE) | 3.1411% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.1411% | 3,818 |
| Net charge-offs to loans | 0.0193% | 3,882 |
| Credit loss provision to net charge-offs | 1,469.6970% | 236 |
| Earnings coverage of net charge-offs (x) | 46.7879% | 1,048 |
| Efficiency ratio | 80.8674% | 1,553 |
| Assets per employee ($millions) | 5.9898% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,616 |
| Loan loss allowance to noncurrent loans | 44.1934% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2292% | 754 |
| Noncurrent loans to loans | 2.2634% | 860 |
| Net loans and leases to total assets | 73.1381% | 1,861 |
| Net loans and leases to deposits | 83.7101% | 2,392 |
| Net loans and leases to core deposits | 86.5459% | 2,750 |
| Total domestic deposits to total assets | 87.3706% | 1,944 |
| Equity capital to assets | 10.5087% | 3,349 |
| Core capital (leverage) ratio | 10.3654% | 3,090 |
| Tier 1 risk-based capital ratio | 16.6269% | 2,412 |
| Total risk-based capital ratio | 17.7961% | 2,410 |
| Memoranda: | ||
| Average total assets | $230,944,600 | 2,655 |
| Average earning assets | $210,971,600 | 2,669 |
| Average equity | $23,558,400 | 2,825 |
| Average total loans | $171,189,800 | 2,342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 3,837 |
| Cost of funding earning assets | 0.2563% | 4,802 |
| Net interest margin | 3.6172% | 3,091 |
| Noninterest income to average assets | 0.1616% | 5,677 |
| Noninterest expense to average assets | 2.7733% | 3,294 |
| Loan and lease loss provision to assets | 0.2324% | 778 |
| Net operating income to assets | 0.3193% | 5,402 |
| Return on assets (ROA) | 0.3193% | 5,482 |
| Pretax return on assets | 0.4602% | 5,328 |
| Return on Equity (ROE) | 3.1531% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.1531% | 4,216 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0166% | 1,653 |
| Assets per employee ($millions) | 6.4143% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 4,891 |
| Loan loss allowance to noncurrent loans | 43.7952% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.3415% | 768 |
| Noncurrent loans to loans | 2.2166% | 988 |
| Net loans and leases to total assets | 70.2349% | 2,355 |
| Net loans and leases to deposits | 79.7744% | 2,910 |
| Net loans and leases to core deposits | 83.5197% | 3,099 |
| Total domestic deposits to total assets | 88.0419% | 1,528 |
| Equity capital to assets | 10.0009% | 4,144 |
| Core capital (leverage) ratio | 9.9479% | 3,712 |
| Tier 1 risk-based capital ratio | 16.8203% | 2,431 |
| Total risk-based capital ratio | 17.9783% | 2,425 |
| Memoranda: | ||
| Average total assets | $231,777,750 | 2,673 |
| Average earning assets | $211,723,750 | 2,678 |
| Average equity | $23,468,250 | 2,862 |
| Average total loans | $171,949,000 | 2,342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,487 |
| Cost of funding earning assets | 0.2676% | 4,746 |
| Net interest margin | 3.6826% | 2,786 |
| Noninterest income to average assets | 0.1366% | 5,877 |
| Noninterest expense to average assets | 2.8070% | 3,210 |
| Loan and lease loss provision to assets | 0.2270% | 829 |
| Net operating income to assets | 0.3227% | 5,378 |
| Return on assets (ROA) | 0.3227% | 5,472 |
| Pretax return on assets | 0.4662% | 5,313 |
| Return on Equity (ROE) | 3.1737% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.1737% | 4,034 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1938% | 1,732 |
| Assets per employee ($millions) | 5.8950% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 5,406 |
| Loan loss allowance to noncurrent loans | 40.3737% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.4214% | 798 |
| Noncurrent loans to loans | 2.1528% | 1,116 |
| Net loans and leases to total assets | 73.9672% | 1,667 |
| Net loans and leases to deposits | 84.2478% | 2,287 |
| Net loans and leases to core deposits | 87.7223% | 2,579 |
| Total domestic deposits to total assets | 87.7972% | 1,754 |
| Equity capital to assets | 10.2433% | 3,758 |
| Core capital (leverage) ratio | 10.4520% | 3,023 |
| Tier 1 risk-based capital ratio | 16.0934% | 2,812 |
| Total risk-based capital ratio | 17.1123% | 2,879 |
| Memoranda: | ||
| Average total assets | $229,927,670 | 2,702 |
| Average earning assets | $210,015,000 | 2,710 |
| Average equity | $23,379,330 | 2,879 |
| Average total loans | $173,158,330 | 2,336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,178 |
| Cost of funding earning assets | 0.2828% | 4,636 |
| Net interest margin | 3.7329% | 2,499 |
| Noninterest income to average assets | 0.1618% | 5,768 |
| Noninterest expense to average assets | 2.7799% | 3,315 |
| Loan and lease loss provision to assets | 0.2140% | 829 |
| Net operating income to assets | 0.3984% | 5,073 |
| Return on assets (ROA) | 0.3984% | 5,187 |
| Pretax return on assets | 0.5897% | 4,941 |
| Return on Equity (ROE) | 3.9323% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.9323% | 3,639 |
| Net charge-offs to loans | 0.0138% | 2,900 |
| Credit loss provision to net charge-offs | 2,050.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 613 |
| Efficiency ratio | 77.5728% | 2,254 |
| Assets per employee ($millions) | 5.6627% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 5,753 |
| Loan loss allowance to noncurrent loans | 37.7522% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 999 |
| Noncurrent loans to loans | 2.0432% | 1,272 |
| Net loans and leases to total assets | 76.4996% | 1,139 |
| Net loans and leases to deposits | 87.1566% | 1,711 |
| Net loans and leases to core deposits | 92.9000% | 1,862 |
| Total domestic deposits to total assets | 87.7726% | 1,947 |
| Equity capital to assets | 10.3343% | 3,742 |
| Core capital (leverage) ratio | 10.3658% | 3,144 |
| Tier 1 risk-based capital ratio | 15.8919% | 2,974 |
| Total risk-based capital ratio | 16.8064% | 3,060 |
| Memoranda: | ||
| Average total assets | $229,938,500 | 2,723 |
| Average earning assets | $210,772,000 | 2,719 |
| Average equity | $23,294,000 | 2,902 |
| Average total loans | $173,964,500 | 2,328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,942 |
| Cost of funding earning assets | 0.3914% | 3,774 |
| Net interest margin | 3.5542% | 3,586 |
| Noninterest income to average assets | 0.1717% | 5,830 |
| Noninterest expense to average assets | 2.8006% | 3,481 |
| Loan and lease loss provision to assets | 0.1564% | 1,680 |
| Net operating income to assets | 0.3133% | 5,489 |
| Return on assets (ROA) | 0.3133% | 5,558 |
| Pretax return on assets | 0.4744% | 5,312 |
| Return on Equity (ROE) | 3.2486% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.2486% | 3,915 |
| Net charge-offs to loans | 0.2128% | 1,965 |
| Credit loss provision to net charge-offs | 98.6667% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.9787% | 3,769 |
| Efficiency ratio | 81.6166% | 1,706 |
| Assets per employee ($millions) | 6.1413% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 5,972 |
| Loan loss allowance to noncurrent loans | 33.4694% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.2458% | 1,081 |
| Noncurrent loans to loans | 2.1205% | 1,284 |
| Net loans and leases to total assets | 73.7348% | 1,631 |
| Net loans and leases to deposits | 83.6827% | 2,250 |
| Net loans and leases to core deposits | 87.3570% | 2,574 |
| Total domestic deposits to total assets | 88.1124% | 1,715 |
| Equity capital to assets | 9.9327% | 4,197 |
| Core capital (leverage) ratio | 9.9327% | 3,673 |
| Tier 1 risk-based capital ratio | 16.1873% | 2,863 |
| Total risk-based capital ratio | 17.0462% | 3,006 |
| Memoranda: | ||
| Average total assets | $236,517,600 | 2,644 |
| Average earning assets | $216,923,600 | 2,647 |
| Average equity | $22,809,800 | 2,866 |
| Average total loans | $176,241,000 | 2,269 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,925 |
| Cost of funding earning assets | 0.4086% | 3,695 |
| Net interest margin | 3.5519% | 3,620 |
| Noninterest income to average assets | 0.1736% | 5,880 |
| Noninterest expense to average assets | 2.7711% | 3,571 |
| Loan and lease loss provision to assets | 0.1877% | 1,296 |
| Net operating income to assets | 0.3141% | 5,541 |
| Return on assets (ROA) | 0.3141% | 5,617 |
| Pretax return on assets | 0.4725% | 5,399 |
| Return on Equity (ROE) | 3.2808% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.2808% | 4,292 |
| Net charge-offs to loans | 0.1883% | 1,956 |
| Credit loss provision to net charge-offs | 133.6000% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.6999% | 3,396 |
| Efficiency ratio | 80.7598% | 1,802 |
| Assets per employee ($millions) | 6.0805% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 5,940 |
| Loan loss allowance to noncurrent loans | 117.3488% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 2,957 |
| Noncurrent loans to loans | 0.6586% | 3,967 |
| Net loans and leases to total assets | 67.9270% | 2,548 |
| Net loans and leases to deposits | 76.2754% | 3,151 |
| Net loans and leases to core deposits | 80.4234% | 3,267 |
| Total domestic deposits to total assets | 89.0550% | 1,208 |
| Equity capital to assets | 9.2246% | 5,122 |
| Core capital (leverage) ratio | 9.2246% | 4,743 |
| Tier 1 risk-based capital ratio | 16.3594% | 2,871 |
| Total risk-based capital ratio | 17.2977% | 2,990 |
| Memoranda: | ||
| Average total assets | $237,304,500 | 2,653 |
| Average earning assets | $217,641,250 | 2,655 |
| Average equity | $22,717,250 | 2,880 |
| Average total loans | $176,975,000 | 2,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 3,384 |
| Cost of funding earning assets | 0.4289% | 3,564 |
| Net interest margin | 3.6637% | 3,099 |
| Noninterest income to average assets | 0.1732% | 5,913 |
| Noninterest expense to average assets | 2.8675% | 3,279 |
| Loan and lease loss provision to assets | 0.2572% | 837 |
| Net operating income to assets | 0.2735% | 5,653 |
| Return on assets (ROA) | 0.2735% | 5,725 |
| Pretax return on assets | 0.4020% | 5,557 |
| Return on Equity (ROE) | 2.8200% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.8200% | 4,408 |
| Net charge-offs to loans | 0.2837% | 1,405 |
| Credit loss provision to net charge-offs | 118.1102% | 1,739 |
| Earnings coverage of net charge-offs (x) | 3.0276% | 3,409 |
| Efficiency ratio | 81.3077% | 1,838 |
| Assets per employee ($millions) | 5.9824% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 6,100 |
| Loan loss allowance to noncurrent loans | 88.1706% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 2,171 |
| Noncurrent loans to loans | 0.8444% | 3,596 |
| Net loans and leases to total assets | 73.2557% | 1,538 |
| Net loans and leases to deposits | 82.7467% | 2,169 |
| Net loans and leases to core deposits | 84.7545% | 2,646 |
| Total domestic deposits to total assets | 88.5300% | 1,620 |
| Equity capital to assets | 9.7538% | 4,425 |
| Core capital (leverage) ratio | 9.7538% | 3,957 |
| Tier 1 risk-based capital ratio | 15.9469% | 3,118 |
| Total risk-based capital ratio | 16.8452% | 3,253 |
| Memoranda: | ||
| Average total assets | $233,306,000 | 2,697 |
| Average earning assets | $213,552,330 | 2,700 |
| Average equity | $22,624,000 | 2,886 |
| Average total loans | $179,079,670 | 2,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,813 |
| Cost of funding earning assets | 0.4479% | 3,453 |
| Net interest margin | 3.7681% | 2,602 |
| Noninterest income to average assets | 0.1749% | 5,922 |
| Noninterest expense to average assets | 2.9507% | 3,045 |
| Loan and lease loss provision to assets | 0.0549% | 3,021 |
| Net operating income to assets | 0.4098% | 5,080 |
| Return on assets (ROA) | 0.4098% | 5,145 |
| Pretax return on assets | 0.6309% | 4,719 |
| Return on Equity (ROE) | 4.2381% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.2381% | 3,591 |
| Net charge-offs to loans | 0.2235% | 1,428 |
| Credit loss provision to net charge-offs | 31.3725% | 2,386 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 2,601 |
| Efficiency ratio | 81.1410% | 2,035 |
| Assets per employee ($millions) | 5.8161% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 6,352 |
| Loan loss allowance to noncurrent loans | 44.7905% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 2,211 |
| Noncurrent loans to loans | 1.4363% | 2,630 |
| Net loans and leases to total assets | 77.3386% | 838 |
| Net loans and leases to deposits | 87.2997% | 1,437 |
| Net loans and leases to core deposits | 92.0901% | 1,722 |
| Total domestic deposits to total assets | 88.5898% | 1,898 |
| Equity capital to assets | 9.7476% | 4,166 |
| Core capital (leverage) ratio | 9.7476% | 3,931 |
| Tier 1 risk-based capital ratio | 15.0560% | 3,685 |
| Total risk-based capital ratio | 15.8294% | 3,910 |
| Memoranda: | ||
| Average total assets | $233,302,500 | 2,710 |
| Average earning assets | $214,325,500 | 2,704 |
| Average equity | $22,557,500 | 2,886 |
| Average total loans | $182,521,000 | 2,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,938 |
| Cost of funding earning assets | 0.5280% | 3,305 |
| Net interest margin | 3.7778% | 2,734 |
| Noninterest income to average assets | 0.1627% | 6,118 |
| Noninterest expense to average assets | 2.6756% | 4,193 |
| Loan and lease loss provision to assets | 0.0761% | 3,583 |
| Net operating income to assets | 0.5583% | 4,462 |
| Return on assets (ROA) | 0.5583% | 4,584 |
| Pretax return on assets | 0.8761% | 3,867 |
| Return on Equity (ROE) | 6.1323% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.1323% | 1,896 |
| Net charge-offs to loans | 0.4279% | 1,563 |
| Credit loss provision to net charge-offs | 23.0380% | 4,388 |
| Earnings coverage of net charge-offs (x) | 2.8823% | 4,036 |
| Efficiency ratio | 73.7522% | 3,169 |
| Assets per employee ($millions) | 5.9991% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 6,389 |
| Loan loss allowance to noncurrent loans | 46.9760% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6981% | 2,168 |
| Noncurrent loans to loans | 1.4292% | 2,744 |
| Net loans and leases to total assets | 78.0978% | 817 |
| Net loans and leases to deposits | 87.9277% | 1,474 |
| Net loans and leases to core deposits | 91.8366% | 1,809 |
| Total domestic deposits to total assets | 88.8205% | 1,736 |
| Equity capital to assets | 9.5904% | 4,297 |
| Core capital (leverage) ratio | 9.5904% | 4,127 |
| Tier 1 risk-based capital ratio | 14.7830% | 3,795 |
| Total risk-based capital ratio | 15.5967% | 3,997 |
| Memoranda: | ||
| Average total assets | $239,123,000 | 2,625 |
| Average earning assets | $219,334,200 | 2,628 |
| Average equity | $21,770,000 | 2,949 |
| Average total loans | $184,625,600 | 2,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 2,820 |
| Cost of funding earning assets | 0.5393% | 3,369 |
| Net interest margin | 3.8045% | 2,625 |
| Noninterest income to average assets | 0.1558% | 6,255 |
| Noninterest expense to average assets | 2.6898% | 4,053 |
| Loan and lease loss provision to assets | 0.0782% | 3,498 |
| Net operating income to assets | 0.5535% | 4,566 |
| Return on assets (ROA) | 0.5535% | 4,713 |
| Pretax return on assets | 0.8740% | 3,993 |
| Return on Equity (ROE) | 6.1595% | 4,102 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,310 |
| Net charge-offs to loans | 0.5700% | 1,110 |
| Credit loss provision to net charge-offs | 17.8481% | 4,104 |
| Earnings coverage of net charge-offs (x) | 2.1734% | 4,115 |
| Efficiency ratio | 73.8541% | 3,094 |
| Assets per employee ($millions) | 6.3356% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 6,485 |
| Loan loss allowance to noncurrent loans | 46.4411% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7674% | 2,320 |
| Noncurrent loans to loans | 1.4213% | 3,038 |
| Net loans and leases to total assets | 74.6383% | 1,182 |
| Net loans and leases to deposits | 83.8145% | 1,900 |
| Net loans and leases to core deposits | 87.1125% | 2,271 |
| Total domestic deposits to total assets | 89.0518% | 1,529 |
| Equity capital to assets | 9.1804% | 4,963 |
| Core capital (leverage) ratio | 9.1804% | 4,864 |
| Tier 1 risk-based capital ratio | 14.2741% | 4,233 |
| Total risk-based capital ratio | 15.0452% | 4,523 |
| Memoranda: | ||
| Average total assets | $240,413,000 | 2,643 |
| Average earning assets | $220,293,750 | 2,628 |
| Average equity | $21,603,000 | 3,005 |
| Average total loans | $184,793,250 | 2,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,362 |
| Cost of funding earning assets | 0.5593% | 3,324 |
| Net interest margin | 3.8949% | 2,227 |
| Noninterest income to average assets | 0.1481% | 6,308 |
| Noninterest expense to average assets | 2.7116% | 3,988 |
| Loan and lease loss provision to assets | 0.1132% | 2,923 |
| Net operating income to assets | 0.5618% | 4,492 |
| Return on assets (ROA) | 0.5618% | 4,661 |
| Pretax return on assets | 0.8881% | 3,957 |
| Return on Equity (ROE) | 6.2976% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.2976% | 2,263 |
| Net charge-offs to loans | 0.8286% | 753 |
| Credit loss provision to net charge-offs | 17.6394% | 3,775 |
| Earnings coverage of net charge-offs (x) | 1.5603% | 4,010 |
| Efficiency ratio | 73.0330% | 3,304 |
| Assets per employee ($millions) | 6.3278% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 6,552 |
| Loan loss allowance to noncurrent loans | 54.1461% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 2,606 |
| Noncurrent loans to loans | 1.2123% | 3,530 |
| Net loans and leases to total assets | 76.0329% | 982 |
| Net loans and leases to deposits | 85.1616% | 1,661 |
| Net loans and leases to core deposits | 89.2190% | 1,981 |
| Total domestic deposits to total assets | 89.2807% | 1,460 |
| Equity capital to assets | 9.0570% | 5,163 |
| Core capital (leverage) ratio | 9.0570% | 4,900 |
| Tier 1 risk-based capital ratio | 14.1718% | 4,309 |
| Total risk-based capital ratio | 14.9579% | 4,601 |
| Memoranda: | ||
| Average total assets | $240,299,670 | 2,648 |
| Average earning assets | $219,928,670 | 2,639 |
| Average equity | $21,436,670 | 3,041 |
| Average total loans | $186,095,000 | 2,142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 2,032 |
| Cost of funding earning assets | 0.5784% | 3,307 |
| Net interest margin | 3.9583% | 1,924 |
| Noninterest income to average assets | 0.1615% | 6,294 |
| Noninterest expense to average assets | 2.5010% | 4,747 |
| Loan and lease loss provision to assets | 0.4379% | 665 |
| Net operating income to assets | 0.5428% | 4,489 |
| Return on assets (ROA) | 0.5428% | 4,640 |
| Pretax return on assets | 0.8575% | 3,924 |
| Return on Equity (ROE) | 6.1319% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.1319% | 2,607 |
| Net charge-offs to loans | 1.6310% | 315 |
| Credit loss provision to net charge-offs | 34.4692% | 2,822 |
| Earnings coverage of net charge-offs (x) | 1.0197% | 3,499 |
| Efficiency ratio | 65.8772% | 4,684 |
| Assets per employee ($millions) | 6.7112% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 6,561 |
| Loan loss allowance to noncurrent loans | 48.6242% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 2,503 |
| Noncurrent loans to loans | 1.4824% | 3,336 |
| Net loans and leases to total assets | 76.5631% | 772 |
| Net loans and leases to deposits | 85.3830% | 1,432 |
| Net loans and leases to core deposits | 89.1357% | 1,787 |
| Total domestic deposits to total assets | 89.6702% | 1,253 |
| Equity capital to assets | 8.8695% | 5,644 |
| Core capital (leverage) ratio | 8.8695% | 5,095 |
| Tier 1 risk-based capital ratio | 13.5149% | 4,858 |
| Total risk-based capital ratio | 14.3619% | 5,089 |
| Memoranda: | ||
| Average total assets | $240,222,000 | 2,668 |
| Average earning assets | $220,597,000 | 2,663 |
| Average equity | $21,266,000 | 3,101 |
| Average total loans | $187,126,000 | 2,150 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 3,190 |
| Cost of funding earning assets | 0.8223% | 2,488 |
| Net interest margin | 3.7325% | 3,513 |
| Noninterest income to average assets | 0.1846% | 6,080 |
| Noninterest expense to average assets | 2.4454% | 5,272 |
| Loan and lease loss provision to assets | 0.1187% | 4,137 |
| Net operating income to assets | 0.6504% | 3,982 |
| Return on assets (ROA) | 0.6504% | 4,251 |
| Pretax return on assets | 1.0416% | 3,395 |
| Return on Equity (ROE) | 7.7022% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,233 |
| Net charge-offs to loans | 0.0665% | 5,017 |
| Credit loss provision to net charge-offs | 224.4094% | 1,115 |
| Earnings coverage of net charge-offs (x) | 21.9291% | 1,281 |
| Efficiency ratio | 67.8183% | 4,180 |
| Assets per employee ($millions) | 6.4552% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,031 |
| Loan loss allowance to noncurrent loans | 49.3440% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 2.3216% | 2,117 |
| Noncurrent loans to loans | 1.9874% | 2,711 |
| Net loans and leases to total assets | 77.9126% | 688 |
| Net loans and leases to deposits | 87.1386% | 1,370 |
| Net loans and leases to core deposits | 91.5607% | 1,670 |
| Total domestic deposits to total assets | 89.4122% | 1,297 |
| Equity capital to assets | 8.8355% | 5,705 |
| Core capital (leverage) ratio | 8.8355% | 5,122 |
| Tier 1 risk-based capital ratio | 13.0973% | 5,037 |
| Total risk-based capital ratio | 14.2411% | 5,052 |
| Memoranda: | ||
| Average total assets | $240,005,400 | 2,635 |
| Average earning assets | $219,989,000 | 2,615 |
| Average equity | $20,267,000 | 3,170 |
| Average total loans | $190,935,400 | 2,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 3,200 |
| Cost of funding earning assets | 0.8560% | 2,492 |
| Net interest margin | 3.7437% | 3,586 |
| Noninterest income to average assets | 0.1831% | 6,209 |
| Noninterest expense to average assets | 2.4608% | 5,214 |
| Loan and lease loss provision to assets | 0.2103% | 2,968 |
| Net operating income to assets | 0.5931% | 4,423 |
| Return on assets (ROA) | 0.5931% | 4,685 |
| Pretax return on assets | 0.9433% | 3,948 |
| Return on Equity (ROE) | 7.1059% | 3,748 |
| Retained earnings to average equity (ytd only) | 7.1059% | 2,059 |
| Net charge-offs to loans | 0.0883% | 4,497 |
| Credit loss provision to net charge-offs | 298.4252% | 909 |
| Earnings coverage of net charge-offs (x) | 16.3700% | 1,696 |
| Efficiency ratio | 68.0841% | 4,040 |
| Assets per employee ($millions) | 6.2892% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 5,985 |
| Loan loss allowance to noncurrent loans | 50.2856% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.3084% | 2,304 |
| Noncurrent loans to loans | 2.0386% | 2,806 |
| Net loans and leases to total assets | 76.2462% | 935 |
| Net loans and leases to deposits | 84.7093% | 1,778 |
| Net loans and leases to core deposits | 89.6310% | 2,036 |
| Total domestic deposits to total assets | 90.0093% | 843 |
| Equity capital to assets | 8.4031% | 6,349 |
| Core capital (leverage) ratio | 8.4031% | 5,889 |
| Tier 1 risk-based capital ratio | 12.9502% | 5,290 |
| Total risk-based capital ratio | 14.1672% | 5,281 |
| Memoranda: | ||
| Average total assets | $240,296,250 | 2,647 |
| Average earning assets | $220,242,250 | 2,638 |
| Average equity | $20,058,000 | 3,230 |
| Average total loans | $191,686,500 | 2,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 2,996 |
| Cost of funding earning assets | 0.9128% | 2,304 |
| Net interest margin | 3.7701% | 3,495 |
| Noninterest income to average assets | 0.1802% | 6,276 |
| Noninterest expense to average assets | 2.4380% | 5,331 |
| Loan and lease loss provision to assets | 0.3176% | 2,080 |
| Net operating income to assets | 0.5548% | 4,560 |
| Return on assets (ROA) | 0.5548% | 4,838 |
| Pretax return on assets | 0.8758% | 4,172 |
| Return on Equity (ROE) | 6.6621% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,296 |
| Net charge-offs to loans | 0.0685% | 4,470 |
| Credit loss provision to net charge-offs | 574.2424% | 542 |
| Earnings coverage of net charge-offs (x) | 21.5758% | 1,335 |
| Efficiency ratio | 67.1359% | 4,299 |
| Assets per employee ($millions) | 6.3211% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 5,962 |
| Loan loss allowance to noncurrent loans | 49.1634% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.4588% | 2,269 |
| Noncurrent loans to loans | 2.1350% | 2,782 |
| Net loans and leases to total assets | 78.4149% | 678 |
| Net loans and leases to deposits | 86.9723% | 1,483 |
| Net loans and leases to core deposits | 90.6128% | 1,917 |
| Total domestic deposits to total assets | 90.1608% | 836 |
| Equity capital to assets | 8.4112% | 6,293 |
| Core capital (leverage) ratio | 8.4112% | 5,774 |
| Tier 1 risk-based capital ratio | 12.8171% | 5,323 |
| Total risk-based capital ratio | 14.0846% | 5,282 |
| Memoranda: | ||
| Average total assets | $238,635,330 | 2,676 |
| Average earning assets | $218,455,000 | 2,663 |
| Average equity | $19,873,670 | 3,240 |
| Average total loans | $192,597,670 | 2,097 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 3,161 |
| Cost of funding earning assets | 0.9521% | 2,290 |
| Net interest margin | 3.7188% | 3,744 |
| Noninterest income to average assets | 0.1766% | 6,323 |
| Noninterest expense to average assets | 2.4116% | 5,430 |
| Loan and lease loss provision to assets | 0.4406% | 1,418 |
| Net operating income to assets | 0.4742% | 4,933 |
| Return on assets (ROA) | 0.4742% | 5,129 |
| Pretax return on assets | 0.7400% | 4,650 |
| Return on Equity (ROE) | 5.7234% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.7234% | 3,131 |
| Net charge-offs to loans | 0.1363% | 3,286 |
| Credit loss provision to net charge-offs | 396.9697% | 792 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 1,739 |
| Efficiency ratio | 67.1348% | 4,333 |
| Assets per employee ($millions) | 6.1783% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,378 |
| Loan loss allowance to noncurrent loans | 41.8279% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7000% | 2,180 |
| Noncurrent loans to loans | 2.3035% | 2,804 |
| Net loans and leases to total assets | 82.3529% | 258 |
| Net loans and leases to deposits | 91.2771% | 853 |
| Net loans and leases to core deposits | 94.5105% | 1,418 |
| Total domestic deposits to total assets | 90.2230% | 959 |
| Equity capital to assets | 8.4438% | 6,130 |
| Core capital (leverage) ratio | 8.4438% | 5,686 |
| Tier 1 risk-based capital ratio | 12.4183% | 5,672 |
| Total risk-based capital ratio | 13.5966% | 5,684 |
| Memoranda: | ||
| Average total assets | $237,851,500 | 2,696 |
| Average earning assets | $218,457,000 | 2,670 |
| Average equity | $19,708,500 | 3,263 |
| Average total loans | $193,720,000 | 2,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 4,709 |
| Cost of funding earning assets | 1.0364% | 3,114 |
| Net interest margin | 3.5542% | 4,912 |
| Noninterest income to average assets | 0.2777% | 5,541 |
| Noninterest expense to average assets | 2.3230% | 5,992 |
| Loan and lease loss provision to assets | 0.1985% | 4,203 |
| Net operating income to assets | 0.6388% | 3,790 |
| Return on assets (ROA) | 0.6388% | 3,989 |
| Pretax return on assets | 1.0227% | 3,153 |
| Return on Equity (ROE) | 8.2213% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.2213% | 1,013 |
| Net charge-offs to loans | 0.1153% | 5,225 |
| Credit loss provision to net charge-offs | 220.6422% | 1,102 |
| Earnings coverage of net charge-offs (x) | 13.5734% | 1,530 |
| Efficiency ratio | 65.5449% | 4,856 |
| Assets per employee ($millions) | 6.3402% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 7,016 |
| Loan loss allowance to noncurrent loans | 55.9051% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 3,569 |
| Noncurrent loans to loans | 1.0748% | 4,560 |
| Net loans and leases to total assets | 79.3017% | 565 |
| Net loans and leases to deposits | 87.8340% | 1,403 |
| Net loans and leases to core deposits | 91.1224% | 1,976 |
| Total domestic deposits to total assets | 90.2859% | 825 |
| Equity capital to assets | 8.1323% | 6,492 |
| Core capital (leverage) ratio | 8.1323% | 6,097 |
| Tier 1 risk-based capital ratio | 12.4083% | 5,528 |
| Total risk-based capital ratio | 13.1397% | 5,889 |
| Memoranda: | ||
| Average total assets | $242,310,800 | 2,607 |
| Average earning assets | $222,691,400 | 2,580 |
| Average equity | $18,829,200 | 3,304 |
| Average total loans | $189,127,600 | 2,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 4,816 |
| Cost of funding earning assets | 1.0506% | 3,314 |
| Net interest margin | 3.5627% | 4,929 |
| Noninterest income to average assets | 0.2951% | 5,504 |
| Noninterest expense to average assets | 2.3160% | 5,987 |
| Loan and lease loss provision to assets | 0.2192% | 3,821 |
| Net operating income to assets | 0.6467% | 3,887 |
| Return on assets (ROA) | 0.6467% | 4,064 |
| Pretax return on assets | 1.0335% | 3,270 |
| Return on Equity (ROE) | 8.4197% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.4197% | 1,345 |
| Net charge-offs to loans | 0.0743% | 5,219 |
| Credit loss provision to net charge-offs | 380.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 21.7137% | 1,175 |
| Efficiency ratio | 64.8961% | 4,918 |
| Assets per employee ($millions) | 6.1327% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 7,033 |
| Loan loss allowance to noncurrent loans | 84.0539% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 4,163 |
| Noncurrent loans to loans | 0.7620% | 5,349 |
| Net loans and leases to total assets | 76.9244% | 843 |
| Net loans and leases to deposits | 84.9324% | 1,849 |
| Net loans and leases to core deposits | 88.7316% | 2,406 |
| Total domestic deposits to total assets | 90.5713% | 596 |
| Equity capital to assets | 8.0372% | 6,675 |
| Core capital (leverage) ratio | 8.0372% | 6,360 |
| Tier 1 risk-based capital ratio | 12.3584% | 5,617 |
| Total risk-based capital ratio | 13.1209% | 5,969 |
| Memoranda: | ||
| Average total assets | $242,656,500 | 2,614 |
| Average earning assets | $222,973,000 | 2,592 |
| Average equity | $18,638,250 | 3,332 |
| Average total loans | $188,355,750 | 2,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 4,899 |
| Cost of funding earning assets | 1.0687% | 3,485 |
| Net interest margin | 3.5479% | 4,929 |
| Noninterest income to average assets | 0.3322% | 5,233 |
| Noninterest expense to average assets | 2.2943% | 6,147 |
| Loan and lease loss provision to assets | 0.2600% | 3,324 |
| Net operating income to assets | 0.6488% | 3,802 |
| Return on assets (ROA) | 0.6488% | 3,933 |
| Pretax return on assets | 1.0401% | 3,073 |
| Return on Equity (ROE) | 8.5776% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.5776% | 1,240 |
| Net charge-offs to loans | 0.0538% | 5,110 |
| Credit loss provision to net charge-offs | 621.5686% | 504 |
| Earnings coverage of net charge-offs (x) | 31.0784% | 896 |
| Efficiency ratio | 63.8293% | 5,271 |
| Assets per employee ($millions) | 6.8182% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6394% | 7,093 |
| Loan loss allowance to noncurrent loans | 400.6536% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,922 |
| Noncurrent loans to loans | 0.1596% | 6,584 |
| Net loans and leases to total assets | 75.5231% | 1,149 |
| Net loans and leases to deposits | 82.6979% | 2,337 |
| Net loans and leases to core deposits | 86.5893% | 2,807 |
| Total domestic deposits to total assets | 91.3242% | 388 |
| Equity capital to assets | 7.4669% | 6,966 |
| Core capital (leverage) ratio | 7.4669% | 6,764 |
| Tier 1 risk-based capital ratio | 11.7460% | 5,977 |
| Total risk-based capital ratio | 12.5105% | 6,342 |
| Memoranda: | ||
| Average total assets | $243,817,000 | 2,612 |
| Average earning assets | $224,192,000 | 2,593 |
| Average equity | $18,443,330 | 3,344 |
| Average total loans | $189,417,670 | 2,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 4,548 |
| Cost of funding earning assets | 1.1237% | 3,344 |
| Net interest margin | 3.5706% | 4,718 |
| Noninterest income to average assets | 0.4641% | 4,156 |
| Noninterest expense to average assets | 2.3223% | 6,131 |
| Loan and lease loss provision to assets | 0.3473% | 2,482 |
| Net operating income to assets | 0.6712% | 3,656 |
| Return on assets (ROA) | 0.6712% | 3,725 |
| Pretax return on assets | 1.0785% | 2,837 |
| Return on Equity (ROE) | 8.8126% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.8126% | 1,445 |
| Net charge-offs to loans | 0.0510% | 4,428 |
| Credit loss provision to net charge-offs | 866.6667% | 442 |
| Earnings coverage of net charge-offs (x) | 35.5833% | 738 |
| Efficiency ratio | 61.9599% | 5,687 |
| Assets per employee ($millions) | 7.1410% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6156% | 7,187 |
| Loan loss allowance to noncurrent loans | 169.9704% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 4,502 |
| Noncurrent loans to loans | 0.3622% | 6,268 |
| Net loans and leases to total assets | 76.4031% | 979 |
| Net loans and leases to deposits | 83.6692% | 2,082 |
| Net loans and leases to core deposits | 88.1287% | 2,581 |
| Total domestic deposits to total assets | 91.3157% | 478 |
| Equity capital to assets | 7.5978% | 6,815 |
| Core capital (leverage) ratio | 7.5978% | 6,658 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,970 |
| Total risk-based capital ratio | 12.3880% | 6,377 |
| Memoranda: | ||
| Average total assets | $239,588,000 | 2,670 |
| Average earning assets | $220,352,500 | 2,658 |
| Average equity | $18,246,500 | 3,364 |
| Average total loans | $188,250,500 | 2,208 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,182 |
| Cost of funding earning assets | 1.6298% | 1,912 |
| Net interest margin | 3.2336% | 6,182 |
| Noninterest income to average assets | 0.2166% | 6,260 |
| Noninterest expense to average assets | 2.3107% | 6,327 |
| Loan and lease loss provision to assets | 0.2721% | 4,627 |
| Net operating income to assets | 0.3953% | 4,561 |
| Return on assets (ROA) | 0.3953% | 4,705 |
| Pretax return on assets | 0.6081% | 4,294 |
| Return on Equity (ROE) | 5.3538% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.3538% | 2,216 |
| Net charge-offs to loans | 0.3207% | 4,417 |
| Credit loss provision to net charge-offs | 106.9421% | 4,163 |
| Earnings coverage of net charge-offs (x) | 3.4595% | 3,348 |
| Efficiency ratio | 72.4170% | 3,718 |
| Assets per employee ($millions) | 6.9524% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 7,330 |
| Loan loss allowance to noncurrent loans | 66.3613% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 4,057 |
| Noncurrent loans to loans | 0.8049% | 5,436 |
| Net loans and leases to total assets | 79.8859% | 674 |
| Net loans and leases to deposits | 87.4998% | 1,859 |
| Net loans and leases to core deposits | 92.6911% | 2,420 |
| Total domestic deposits to total assets | 91.2984% | 460 |
| Equity capital to assets | 7.6343% | 6,791 |
| Core capital (leverage) ratio | 7.6343% | 6,593 |
| Tier 1 risk-based capital ratio | 11.3135% | 6,079 |
| Total risk-based capital ratio | 11.9492% | 6,539 |
| Memoranda: | ||
| Average total assets | $237,807,600 | 2,664 |
| Average earning assets | $218,732,400 | 2,648 |
| Average equity | $17,557,600 | 3,500 |
| Average total loans | $188,621,000 | 2,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 5,384 |
| Cost of funding earning assets | 1.7189% | 1,777 |
| Net interest margin | 3.1543% | 6,470 |
| Noninterest income to average assets | 0.2027% | 6,448 |
| Noninterest expense to average assets | 2.3138% | 6,282 |
| Loan and lease loss provision to assets | 0.1926% | 5,117 |
| Net operating income to assets | 0.3812% | 4,828 |
| Return on assets (ROA) | 0.3812% | 5,020 |
| Pretax return on assets | 0.5985% | 4,598 |
| Return on Equity (ROE) | 5.2077% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.2077% | 2,838 |
| Net charge-offs to loans | 0.1756% | 4,911 |
| Credit loss provision to net charge-offs | 138.7097% | 2,877 |
| Earnings coverage of net charge-offs (x) | 5.6975% | 2,700 |
| Efficiency ratio | 74.5222% | 3,226 |
| Assets per employee ($millions) | 6.4032% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 7,393 |
| Loan loss allowance to noncurrent loans | 52.6627% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7132% | 3,875 |
| Noncurrent loans to loans | 1.0734% | 5,087 |
| Net loans and leases to total assets | 79.2917% | 853 |
| Net loans and leases to deposits | 89.0892% | 1,848 |
| Net loans and leases to core deposits | 95.0602% | 2,380 |
| Total domestic deposits to total assets | 89.0026% | 1,387 |
| Equity capital to assets | 7.5072% | 7,125 |
| Core capital (leverage) ratio | 7.3664% | 6,968 |
| Tier 1 risk-based capital ratio | 11.1119% | 6,271 |
| Total risk-based capital ratio | 11.7929% | 6,729 |
| Memoranda: | ||
| Average total assets | $238,164,250 | 2,690 |
| Average earning assets | $219,125,500 | 2,676 |
| Average equity | $17,435,500 | 3,569 |
| Average total loans | $188,314,000 | 2,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 5,586 |
| Cost of funding earning assets | 1.8405% | 1,485 |
| Net interest margin | 3.0156% | 6,797 |
| Noninterest income to average assets | 0.1953% | 6,501 |
| Noninterest expense to average assets | 2.2777% | 6,416 |
| Loan and lease loss provision to assets | 0.2071% | 4,804 |
| Net operating income to assets | 0.3303% | 5,061 |
| Return on assets (ROA) | 0.3303% | 5,223 |
| Pretax return on assets | 0.4879% | 4,943 |
| Return on Equity (ROE) | 4.5500% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.5500% | 3,177 |
| Net charge-offs to loans | 0.1563% | 4,695 |
| Credit loss provision to net charge-offs | 168.0272% | 2,338 |
| Earnings coverage of net charge-offs (x) | 5.6395% | 2,626 |
| Efficiency ratio | 76.6215% | 2,965 |
| Assets per employee ($millions) | 6.5832% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 7,457 |
| Loan loss allowance to noncurrent loans | 93.6577% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 4,469 |
| Noncurrent loans to loans | 0.5990% | 6,041 |
| Net loans and leases to total assets | 80.6304% | 709 |
| Net loans and leases to deposits | 90.8153% | 1,724 |
| Net loans and leases to core deposits | 98.3277% | 2,194 |
| Total domestic deposits to total assets | 88.7850% | 1,555 |
| Equity capital to assets | 7.3841% | 7,173 |
| Core capital (leverage) ratio | 7.2432% | 7,039 |
| Tier 1 risk-based capital ratio | 10.8474% | 6,403 |
| Total risk-based capital ratio | 11.5297% | 6,835 |
| Memoranda: | ||
| Average total assets | $238,579,000 | 2,716 |
| Average earning assets | $219,727,670 | 2,689 |
| Average equity | $17,318,670 | 3,582 |
| Average total loans | $188,110,000 | 2,330 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 5,887 |
| Cost of funding earning assets | 1.9292% | 1,325 |
| Net interest margin | 2.8721% | 7,070 |
| Noninterest income to average assets | 0.1788% | 6,680 |
| Noninterest expense to average assets | 2.2075% | 6,667 |
| Loan and lease loss provision to assets | 0.1186% | 5,408 |
| Net operating income to assets | 0.3208% | 5,205 |
| Return on assets (ROA) | 0.3208% | 5,339 |
| Pretax return on assets | 0.5047% | 4,946 |
| Return on Equity (ROE) | 4.4579% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,480 |
| Net charge-offs to loans | 0.1935% | 3,756 |
| Credit loss provision to net charge-offs | 78.8889% | 3,905 |
| Earnings coverage of net charge-offs (x) | 4.1444% | 2,695 |
| Efficiency ratio | 77.9811% | 2,899 |
| Assets per employee ($millions) | 6.5706% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 7,561 |
| Loan loss allowance to noncurrent loans | 163.5332% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 5,715 |
| Noncurrent loans to loans | 0.3304% | 6,636 |
| Net loans and leases to total assets | 78.5297% | 1,055 |
| Net loans and leases to deposits | 89.2534% | 2,023 |
| Net loans and leases to core deposits | 96.9296% | 2,468 |
| Total domestic deposits to total assets | 87.9852% | 2,070 |
| Equity capital to assets | 7.3121% | 7,205 |
| Core capital (leverage) ratio | 6.8663% | 7,317 |
| Tier 1 risk-based capital ratio | 10.5419% | 6,596 |
| Total risk-based capital ratio | 11.2000% | 7,049 |
| Memoranda: | ||
| Average total assets | $239,371,000 | 2,770 |
| Average earning assets | $221,021,500 | 2,727 |
| Average equity | $17,228,000 | 3,618 |
| Average total loans | $186,081,000 | 2,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 6,082 |
| Cost of funding earning assets | 2.1333% | 2,320 |
| Net interest margin | 2.9678% | 6,722 |
| Noninterest income to average assets | 0.2393% | 6,373 |
| Noninterest expense to average assets | 2.3532% | 6,596 |
| Loan and lease loss provision to assets | 0.1293% | 6,345 |
| Net operating income to assets | 0.2863% | 4,586 |
| Return on assets (ROA) | 0.2863% | 4,672 |
| Pretax return on assets | 0.4711% | 4,280 |
| Return on Equity (ROE) | 3.7951% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.7951% | 2,543 |
| Net charge-offs to loans | 0.0167% | 6,988 |
| Credit loss provision to net charge-offs | 963.3333% | 305 |
| Earnings coverage of net charge-offs (x) | 44.7333% | 562 |
| Efficiency ratio | 79.6728% | 2,929 |
| Assets per employee ($millions) | 6.3737% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 7,611 |
| Loan loss allowance to noncurrent loans | 170.4809% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 6,639 |
| Noncurrent loans to loans | 0.3252% | 6,627 |
| Net loans and leases to total assets | 76.1227% | 1,764 |
| Net loans and leases to deposits | 86.9945% | 2,738 |
| Net loans and leases to core deposits | 125.6243% | 1,544 |
| Total domestic deposits to total assets | 87.5029% | 2,218 |
| Equity capital to assets | 7.0850% | 7,334 |
| Core capital (leverage) ratio | 6.7362% | 7,394 |
| Tier 1 risk-based capital ratio | 10.0312% | 6,845 |
| Total risk-based capital ratio | 10.6656% | 7,252 |
| Memoranda: | ||
| Average total assets | $223,526,000 | 2,897 |
| Average earning assets | $204,429,600 | 2,911 |
| Average equity | $16,863,800 | 3,699 |
| Average total loans | $179,425,000 | 2,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 5,976 |
| Cost of funding earning assets | 2.1227% | 2,789 |
| Net interest margin | 3.0544% | 6,447 |
| Noninterest income to average assets | 0.2510% | 6,439 |
| Noninterest expense to average assets | 2.3869% | 6,457 |
| Loan and lease loss provision to assets | 0.1139% | 6,228 |
| Net operating income to assets | 0.3211% | 4,716 |
| Return on assets (ROA) | 0.3211% | 4,822 |
| Pretax return on assets | 0.5361% | 4,409 |
| Return on Equity (ROE) | 4.1850% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.1850% | 2,939 |
| Net charge-offs to loans | 0.0225% | 6,579 |
| Credit loss provision to net charge-offs | 623.3333% | 605 |
| Earnings coverage of net charge-offs (x) | 35.5658% | 819 |
| Efficiency ratio | 78.5958% | 3,066 |
| Assets per employee ($millions) | 6.1806% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 7,667 |
| Loan loss allowance to noncurrent loans | 102.8272% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 6,436 |
| Noncurrent loans to loans | 0.5209% | 6,265 |
| Net loans and leases to total assets | 77.6483% | 1,646 |
| Net loans and leases to deposits | 88.9969% | 2,781 |
| Net loans and leases to core deposits | 125.9178% | 1,746 |
| Total domestic deposits to total assets | 87.2484% | 2,050 |
| Equity capital to assets | 7.2582% | 7,454 |
| Core capital (leverage) ratio | 7.1911% | 7,275 |
| Tier 1 risk-based capital ratio | 10.8036% | 6,152 |
| Total risk-based capital ratio | 11.4322% | 6,741 |
| Memoranda: | ||
| Average total assets | $218,857,250 | 2,976 |
| Average earning assets | $199,617,000 | 2,990 |
| Average equity | $16,789,750 | 3,748 |
| Average total loans | $177,931,750 | 2,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 5,792 |
| Cost of funding earning assets | 2.1235% | 3,172 |
| Net interest margin | 3.1471% | 6,102 |
| Noninterest income to average assets | 0.2417% | 6,554 |
| Noninterest expense to average assets | 2.4250% | 6,386 |
| Loan and lease loss provision to assets | 0.1452% | 5,621 |
| Net operating income to assets | 0.3119% | 4,838 |
| Return on assets (ROA) | 0.3119% | 4,955 |
| Pretax return on assets | 0.5255% | 4,535 |
| Return on Equity (ROE) | 3.9871% | 4,496 |
| Retained earnings to average equity (ytd only) | 3.9871% | 3,068 |
| Net charge-offs to loans | 0.0125% | 6,381 |
| Credit loss provision to net charge-offs | 1,409.0909% | 359 |
| Earnings coverage of net charge-offs (x) | 65.0909% | 557 |
| Efficiency ratio | 78.3359% | 3,296 |
| Assets per employee ($millions) | 6.2237% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 7,751 |
| Loan loss allowance to noncurrent loans | 84.9387% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 6,199 |
| Noncurrent loans to loans | 0.6289% | 5,989 |
| Net loans and leases to total assets | 78.4394% | 1,651 |
| Net loans and leases to deposits | 96.7394% | 1,691 |
| Net loans and leases to core deposits | 133.2706% | 1,352 |
| Total domestic deposits to total assets | 81.0831% | 5,047 |
| Equity capital to assets | 7.3186% | 7,405 |
| Core capital (leverage) ratio | 6.9525% | 7,573 |
| Tier 1 risk-based capital ratio | 10.3629% | 6,519 |
| Total risk-based capital ratio | 10.9933% | 7,131 |
| Memoranda: | ||
| Average total assets | $213,521,670 | 3,064 |
| Average earning assets | $193,640,670 | 3,094 |
| Average equity | $16,704,000 | 3,773 |
| Average total loans | $176,125,670 | 2,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 5,398 |
| Cost of funding earning assets | 2.1912% | 3,207 |
| Net interest margin | 3.2143% | 5,820 |
| Noninterest income to average assets | 0.2398% | 6,538 |
| Noninterest expense to average assets | 2.5250% | 5,747 |
| Loan and lease loss provision to assets | 0.0975% | 5,709 |
| Net operating income to assets | 0.3237% | 5,194 |
| Return on assets (ROA) | 0.3237% | 5,374 |
| Pretax return on assets | 0.5148% | 5,040 |
| Return on Equity (ROE) | 3.9929% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.9929% | 3,679 |
| Net charge-offs to loans | 0.0254% | 5,188 |
| Credit loss provision to net charge-offs | 454.5455% | 1,166 |
| Earnings coverage of net charge-offs (x) | 28.5455% | 1,101 |
| Efficiency ratio | 80.4848% | 2,748 |
| Assets per employee ($millions) | 6.1778% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4960% | 7,834 |
| Loan loss allowance to noncurrent loans | 124.6398% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 6,526 |
| Noncurrent loans to loans | 0.3979% | 6,423 |
| Net loans and leases to total assets | 82.6194% | 913 |
| Net loans and leases to deposits | 105.5212% | 906 |
| Net loans and leases to core deposits | 148.7860% | 746 |
| Total domestic deposits to total assets | 78.2966% | 5,924 |
| Equity capital to assets | 7.9564% | 6,874 |
| Core capital (leverage) ratio | 7.9564% | 6,535 |
| Tier 1 risk-based capital ratio | 11.4942% | 5,422 |
| Total risk-based capital ratio | 12.0891% | 5,962 |
| Memoranda: | ||
| Average total assets | $205,144,500 | 3,179 |
| Average earning assets | $184,925,500 | 3,227 |
| Average equity | $16,629,500 | 3,804 |
| Average total loans | $173,390,000 | 2,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1323% | 4,881 |
| Cost of funding earning assets | 3.0100% | 1,840 |
| Net interest margin | 3.1222% | 6,588 |
| Noninterest income to average assets | 0.2871% | 6,413 |
| Noninterest expense to average assets | 2.6079% | 5,619 |
| Loan and lease loss provision to assets | 0.0618% | 6,631 |
| Net operating income to assets | 0.2284% | 5,763 |
| Return on assets (ROA) | 0.2284% | 5,589 |
| Pretax return on assets | 0.3618% | 5,353 |
| Return on Equity (ROE) | 2.6972% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.6972% | 3,500 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0274% | 1,850 |
| Assets per employee ($millions) | 5.7213% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4792% | 7,875 |
| Loan loss allowance to noncurrent loans | 156.7362% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 6,527 |
| Noncurrent loans to loans | 0.3057% | 6,465 |
| Net loans and leases to total assets | 85.6710% | 647 |
| Net loans and leases to deposits | 103.4805% | 1,400 |
| Net loans and leases to core deposits | 148.1353% | 932 |
| Total domestic deposits to total assets | 82.7895% | 3,860 |
| Equity capital to assets | 8.2634% | 6,464 |
| Core capital (leverage) ratio | 8.2634% | 6,024 |
| Tier 1 risk-based capital ratio | 11.3490% | 5,389 |
| Total risk-based capital ratio | 11.9156% | 5,940 |
| Memoranda: | ||
| Average total assets | $192,646,000 | 3,234 |
| Average earning assets | $169,333,800 | 3,346 |
| Average equity | $16,313,200 | 3,862 |
| Average total loans | $160,099,600 | 2,769 |