Home > Century Savings Bank > Performance and Condition Ratios
Century Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 4,342 |
| Cost of funding earning assets | 0.6695% | 3,970 |
| Net interest margin | 2.9430% | 3,405 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9625% | 3,709 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7079% | 3,175 |
| Return on assets (ROA) | 0.5509% | 3,552 |
| Pretax return on assets | 0.6997% | 3,440 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.8793% | 1,048 |
| Net charge-offs to loans | -0.2739% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.1842% | 2,211 |
| Assets per employee ($millions) | 9.6469% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 857 |
| Loan loss allowance to noncurrent loans | 3,264.3836% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,562 |
| Noncurrent loans to loans | 0.0487% | 3,378 |
| Net loans and leases to total assets | 46.3200% | 3,801 |
| Net loans and leases to deposits | 56.7515% | 3,677 |
| Net loans and leases to core deposits | 58.9456% | 3,803 |
| Total domestic deposits to total assets | 81.6200% | 3,197 |
| Equity capital to assets | 6.5196% | 4,104 |
| Core capital (leverage) ratio | 12.6185% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $634,990,400 | 1,404 |
| Average earning assets | $577,711,200 | 1,426 |
| Average equity | $35,407,400 | 2,043 |
| Average total loans | $284,746,000 | 1,850 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 4,376 |
| Cost of funding earning assets | 0.5959% | 3,976 |
| Net interest margin | 2.9185% | 3,501 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9507% | 3,714 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6774% | 3,372 |
| Return on assets (ROA) | 0.5406% | 3,668 |
| Pretax return on assets | 0.6810% | 3,588 |
| Return on Equity (ROE) | 10.1300% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.1252% | 1,368 |
| Net charge-offs to loans | -0.3630% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.2949% | 2,100 |
| Assets per employee ($millions) | 9.1805% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 825 |
| Loan loss allowance to noncurrent loans | 3,123.0263% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,574 |
| Noncurrent loans to loans | 0.0523% | 3,382 |
| Net loans and leases to total assets | 45.1600% | 3,862 |
| Net loans and leases to deposits | 53.8528% | 3,792 |
| Net loans and leases to core deposits | 55.8821% | 3,861 |
| Total domestic deposits to total assets | 83.8600% | 2,817 |
| Equity capital to assets | 4.5979% | 4,320 |
| Core capital (leverage) ratio | 12.5036% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $634,564,250 | 1,405 |
| Average earning assets | $577,078,750 | 1,426 |
| Average equity | $33,881,750 | 2,090 |
| Average total loans | $281,006,500 | 1,868 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 4,417 |
| Cost of funding earning assets | 0.4617% | 4,054 |
| Net interest margin | 2.9457% | 3,569 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.9315% | 3,753 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.7160% | 3,312 |
| Return on assets (ROA) | 0.5109% | 3,796 |
| Pretax return on assets | 0.6473% | 3,707 |
| Return on Equity (ROE) | 9.1500% | 2,942 |
| Retained earnings to average equity (ytd only) | 9.1465% | 1,648 |
| Net charge-offs to loans | -0.0590% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0633% | 2,229 |
| Assets per employee ($millions) | 9.1052% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,571 |
| Loan loss allowance to noncurrent loans | 2,531.8182% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,552 |
| Noncurrent loans to loans | 0.0548% | 3,308 |
| Net loans and leases to total assets | 43.4500% | 3,902 |
| Net loans and leases to deposits | 52.0244% | 3,836 |
| Net loans and leases to core deposits | 53.8115% | 3,899 |
| Total domestic deposits to total assets | 83.5100% | 2,930 |
| Equity capital to assets | 5.6213% | 4,260 |
| Core capital (leverage) ratio | 12.3149% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $634,933,333 | 1,401 |
| Average earning assets | $578,749,667 | 1,422 |
| Average equity | $35,467,000 | 2,044 |
| Average total loans | $277,732,667 | 1,875 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2766% | 4,450 |
| Cost of funding earning assets | 0.3037% | 4,190 |
| Net interest margin | 2.9729% | 3,655 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.9176% | 3,818 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8375% | 3,061 |
| Return on assets (ROA) | 0.3850% | 4,060 |
| Pretax return on assets | 0.4437% | 4,064 |
| Return on Equity (ROE) | 6.9100% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.9148% | 2,514 |
| Net charge-offs to loans | -0.0550% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0118% | 2,327 |
| Assets per employee ($millions) | 9.0199% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,826 |
| Loan loss allowance to noncurrent loans | 2,398.7261% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,544 |
| Noncurrent loans to loans | 0.0562% | 3,338 |
| Net loans and leases to total assets | 43.0400% | 3,904 |
| Net loans and leases to deposits | 48.8178% | 3,935 |
| Net loans and leases to core deposits | 49.9633% | 3,992 |
| Total domestic deposits to total assets | 88.1600% | 1,869 |
| Equity capital to assets | 5.8765% | 4,244 |
| Core capital (leverage) ratio | 12.3766% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $633,717,500 | 1,428 |
| Average earning assets | $578,290,000 | 1,448 |
| Average equity | $35,286,500 | 2,071 |
| Average total loans | $276,191,000 | 1,901 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0280% | 4,101 |
| Cost of funding earning assets | 0.1490% | 4,131 |
| Net interest margin | 2.8790% | 3,728 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.0130% | 3,547 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6671% | 3,714 |
| Return on assets (ROA) | 0.5663% | 3,917 |
| Pretax return on assets | 0.7324% | 3,790 |
| Return on Equity (ROE) | 8.4200% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.4206% | 1,669 |
| Net charge-offs to loans | -0.1433% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.2149% | 1,795 |
| Assets per employee ($millions) | 8.9574% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 968 |
| Loan loss allowance to noncurrent loans | 2,724.2236% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,572 |
| Noncurrent loans to loans | 0.0590% | 3,333 |
| Net loans and leases to total assets | 42.8400% | 3,935 |
| Net loans and leases to deposits | 45.7744% | 4,063 |
| Net loans and leases to core deposits | 46.3942% | 4,107 |
| Total domestic deposits to total assets | 93.5900% | 293 |
| Equity capital to assets | 5.2533% | 4,303 |
| Core capital (leverage) ratio | 12.0932% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $632,851,400 | 1,415 |
| Average earning assets | $581,943,200 | 1,423 |
| Average equity | $42,562,400 | 1,841 |
| Average total loans | $265,128,600 | 1,875 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9535% | 3,975 |
| Cost of funding earning assets | 0.1279% | 4,050 |
| Net interest margin | 2.8256% | 3,676 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9862% | 3,513 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5783% | 3,890 |
| Return on assets (ROA) | 0.5722% | 3,859 |
| Pretax return on assets | 0.7086% | 3,782 |
| Return on Equity (ROE) | 8.0700% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.0707% | 1,973 |
| Net charge-offs to loans | 0.0755% | 772 |
| Credit loss provision to net charge-offs | 416.1074% | 687 |
| Earnings coverage of net charge-offs (x) | 27.0268% | 1,571 |
| Efficiency ratio | 70.1172% | 1,746 |
| Assets per employee ($millions) | 9.5080% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,123 |
| Loan loss allowance to noncurrent loans | 899.1543% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,012 |
| Noncurrent loans to loans | 0.1746% | 2,717 |
| Net loans and leases to total assets | 43.1400% | 3,930 |
| Net loans and leases to deposits | 45.8152% | 4,034 |
| Net loans and leases to core deposits | 46.3620% | 4,088 |
| Total domestic deposits to total assets | 94.1700% | 335 |
| Equity capital to assets | 4.5625% | 4,385 |
| Core capital (leverage) ratio | 11.7425% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $634,309,500 | 1,424 |
| Average earning assets | $584,731,000 | 1,426 |
| Average equity | $44,968,250 | 1,776 |
| Average total loans | $263,161,250 | 1,883 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8823% | 3,825 |
| Cost of funding earning assets | 0.1167% | 3,998 |
| Net interest margin | 2.7656% | 3,535 |
| Noninterest income to average assets | 0.2157% | 3,914 |
| Noninterest expense to average assets | 1.9333% | 3,621 |
| Loan and lease loss provision to assets | 0.1563% | 601 |
| Net operating income to assets | 0.5629% | 3,723 |
| Return on assets (ROA) | 0.5537% | 3,703 |
| Pretax return on assets | 0.6772% | 3,635 |
| Return on Equity (ROE) | 7.0057% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.0057% | 1,988 |
| Net charge-offs to loans | 0.1228% | 508 |
| Credit loss provision to net charge-offs | 312.5000% | 788 |
| Earnings coverage of net charge-offs (x) | 16.8875% | 1,615 |
| Efficiency ratio | 69.5926% | 2,018 |
| Assets per employee ($millions) | 8.7913% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,309 |
| Loan loss allowance to noncurrent loans | 797.2921% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 3,152 |
| Noncurrent loans to loans | 0.1928% | 2,741 |
| Net loans and leases to total assets | 42.2962% | 3,953 |
| Net loans and leases to deposits | 45.7571% | 4,038 |
| Net loans and leases to core deposits | 46.2888% | 4,114 |
| Total domestic deposits to total assets | 92.4365% | 680 |
| Equity capital to assets | 6.2911% | 4,100 |
| Core capital (leverage) ratio | 11.4426% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,738,667 | 1,409 |
| Average earning assets | $592,720,000 | 1,427 |
| Average equity | $50,558,667 | 1,668 |
| Average total loans | $260,585,000 | 1,892 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7558% | 3,831 |
| Cost of funding earning assets | 0.1147% | 3,951 |
| Net interest margin | 2.6411% | 3,556 |
| Noninterest income to average assets | 0.2001% | 3,964 |
| Noninterest expense to average assets | 1.9187% | 3,639 |
| Loan and lease loss provision to assets | 0.0741% | 1,116 |
| Net operating income to assets | 0.5528% | 3,549 |
| Return on assets (ROA) | 0.5343% | 3,577 |
| Pretax return on assets | 0.6455% | 3,522 |
| Return on Equity (ROE) | 6.1561% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.1561% | 2,194 |
| Net charge-offs to loans | 0.0779% | 607 |
| Credit loss provision to net charge-offs | 240.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 24.0200% | 1,218 |
| Efficiency ratio | 72.1152% | 1,961 |
| Assets per employee ($millions) | 8.9719% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,494 |
| Loan loss allowance to noncurrent loans | 518.4388% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,006 |
| Noncurrent loans to loans | 0.2934% | 2,418 |
| Net loans and leases to total assets | 38.6079% | 4,089 |
| Net loans and leases to deposits | 42.2288% | 4,154 |
| Net loans and leases to core deposits | 43.2132% | 4,190 |
| Total domestic deposits to total assets | 91.4255% | 845 |
| Equity capital to assets | 7.5419% | 3,906 |
| Core capital (leverage) ratio | 11.0450% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,517,500 | 1,392 |
| Average earning assets | $603,235,500 | 1,402 |
| Average equity | $56,204,000 | 1,567 |
| Average total loans | $256,814,000 | 1,902 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8302% | 4,164 |
| Cost of funding earning assets | 0.1609% | 3,860 |
| Net interest margin | 2.6693% | 3,930 |
| Noninterest income to average assets | 0.2913% | 3,654 |
| Noninterest expense to average assets | 2.1203% | 3,338 |
| Loan and lease loss provision to assets | 0.1272% | 962 |
| Net operating income to assets | 0.4313% | 4,219 |
| Return on assets (ROA) | 0.4218% | 4,276 |
| Pretax return on assets | 0.5187% | 4,229 |
| Return on Equity (ROE) | 3.9928% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.9928% | 3,222 |
| Net charge-offs to loans | -0.0079% | 3,671 |
| Credit loss provision to net charge-offs | -3,628.5714% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3281% | 1,078 |
| Assets per employee ($millions) | 9.1417% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 1,722 |
| Loan loss allowance to noncurrent loans | 318.6184% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,654 |
| Noncurrent loans to loans | 0.4559% | 1,993 |
| Net loans and leases to total assets | 39.5336% | 4,117 |
| Net loans and leases to deposits | 44.2944% | 4,162 |
| Net loans and leases to core deposits | 45.3240% | 4,215 |
| Total domestic deposits to total assets | 89.2519% | 1,381 |
| Equity capital to assets | 9.8125% | 2,836 |
| Core capital (leverage) ratio | 11.2020% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $599,032,000 | 1,452 |
| Average earning assets | $558,012,400 | 1,459 |
| Average equity | $63,289,600 | 1,451 |
| Average total loans | $264,736,000 | 1,861 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8616% | 4,222 |
| Cost of funding earning assets | 0.1655% | 3,970 |
| Net interest margin | 2.6961% | 3,988 |
| Noninterest income to average assets | 0.3053% | 3,608 |
| Noninterest expense to average assets | 2.1964% | 3,079 |
| Loan and lease loss provision to assets | 0.1267% | 922 |
| Net operating income to assets | 0.3949% | 4,382 |
| Return on assets (ROA) | 0.3880% | 4,422 |
| Pretax return on assets | 0.4808% | 4,392 |
| Return on Equity (ROE) | 3.6018% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.6018% | 3,711 |
| Net charge-offs to loans | -0.1450% | 4,718 |
| Credit loss provision to net charge-offs | -192.7336% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1020% | 865 |
| Assets per employee ($millions) | 8.5902% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,683 |
| Loan loss allowance to noncurrent loans | 225.3810% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 2,381 |
| Noncurrent loans to loans | 0.6600% | 1,665 |
| Net loans and leases to total assets | 41.7502% | 4,109 |
| Net loans and leases to deposits | 47.1877% | 4,158 |
| Net loans and leases to core deposits | 48.4151% | 4,217 |
| Total domestic deposits to total assets | 88.4768% | 1,577 |
| Equity capital to assets | 10.2868% | 2,625 |
| Core capital (leverage) ratio | 10.7513% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,524,750 | 1,499 |
| Average earning assets | $545,375,750 | 1,503 |
| Average equity | $63,189,750 | 1,475 |
| Average total loans | $265,825,250 | 1,882 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8733% | 4,257 |
| Cost of funding earning assets | 0.1681% | 4,059 |
| Net interest margin | 2.7051% | 3,972 |
| Noninterest income to average assets | 0.3508% | 3,359 |
| Noninterest expense to average assets | 2.2211% | 3,015 |
| Loan and lease loss provision to assets | 0.1382% | 883 |
| Net operating income to assets | 0.4042% | 4,376 |
| Return on assets (ROA) | 0.3981% | 4,423 |
| Pretax return on assets | 0.4973% | 4,394 |
| Return on Equity (ROE) | 3.6375% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.6375% | 3,637 |
| Net charge-offs to loans | -0.0708% | 4,507 |
| Credit loss provision to net charge-offs | -421.0526% | 3,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5458% | 949 |
| Assets per employee ($millions) | 8.2869% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,301 |
| Loan loss allowance to noncurrent loans | 121.0326% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,707 |
| Noncurrent loans to loans | 1.0973% | 1,106 |
| Net loans and leases to total assets | 44.1084% | 4,035 |
| Net loans and leases to deposits | 50.1393% | 4,104 |
| Net loans and leases to core deposits | 51.4756% | 4,158 |
| Total domestic deposits to total assets | 87.9718% | 1,842 |
| Equity capital to assets | 10.8612% | 2,100 |
| Core capital (leverage) ratio | 11.6346% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $578,732,667 | 1,505 |
| Average earning assets | $537,717,667 | 1,508 |
| Average equity | $63,340,000 | 1,458 |
| Average total loans | $268,273,667 | 1,884 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8076% | 4,371 |
| Cost of funding earning assets | 0.1727% | 4,139 |
| Net interest margin | 2.6349% | 4,088 |
| Noninterest income to average assets | 0.4698% | 2,756 |
| Noninterest expense to average assets | 2.2359% | 2,985 |
| Loan and lease loss provision to assets | 0.2091% | 573 |
| Net operating income to assets | 0.3899% | 4,376 |
| Return on assets (ROA) | 0.3708% | 4,443 |
| Pretax return on assets | 0.4481% | 4,425 |
| Return on Equity (ROE) | 3.3747% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.3747% | 3,671 |
| Net charge-offs to loans | -0.0354% | 4,245 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6730% | 1,069 |
| Assets per employee ($millions) | 8.2769% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 3,065 |
| Loan loss allowance to noncurrent loans | 153.4873% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 2,325 |
| Noncurrent loans to loans | 0.7654% | 1,708 |
| Net loans and leases to total assets | 47.5668% | 3,851 |
| Net loans and leases to deposits | 54.4141% | 3,911 |
| Net loans and leases to core deposits | 55.8074% | 3,987 |
| Total domestic deposits to total assets | 87.4164% | 2,129 |
| Equity capital to assets | 10.3921% | 2,362 |
| Core capital (leverage) ratio | 11.9026% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $573,915,000 | 1,504 |
| Average earning assets | $532,845,000 | 1,507 |
| Average equity | $63,058,000 | 1,451 |
| Average total loans | $270,904,000 | 1,874 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9274% | 4,689 |
| Cost of funding earning assets | 0.3137% | 4,067 |
| Net interest margin | 2.6137% | 4,485 |
| Noninterest income to average assets | 0.2068% | 4,236 |
| Noninterest expense to average assets | 2.4925% | 2,872 |
| Loan and lease loss provision to assets | 0.3138% | 1,188 |
| Net operating income to assets | -0.0823% | 4,775 |
| Return on assets (ROA) | 0.0425% | 4,738 |
| Pretax return on assets | -0.0311% | 4,774 |
| Return on Equity (ROE) | 0.3265% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.3265% | 4,417 |
| Net charge-offs to loans | 0.6378% | 234 |
| Credit loss provision to net charge-offs | 102.7559% | 2,786 |
| Earnings coverage of net charge-offs (x) | 0.4088% | 3,323 |
| Efficiency ratio | 95.2304% | 244 |
| Assets per employee ($millions) | 7.5699% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 3,173 |
| Loan loss allowance to noncurrent loans | 96.9922% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 1,904 |
| Noncurrent loans to loans | 1.1940% | 1,176 |
| Net loans and leases to total assets | 45.6924% | 4,144 |
| Net loans and leases to deposits | 53.5964% | 4,129 |
| Net loans and leases to core deposits | 55.0795% | 4,202 |
| Total domestic deposits to total assets | 85.2527% | 2,669 |
| Equity capital to assets | 11.6118% | 1,800 |
| Core capital (leverage) ratio | 12.3437% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $499,047,800 | 1,554 |
| Average earning assets | $460,272,600 | 1,559 |
| Average equity | $64,924,200 | 1,372 |
| Average total loans | $238,932,600 | 1,976 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9583% | 4,761 |
| Cost of funding earning assets | 0.3623% | 3,993 |
| Net interest margin | 2.5960% | 4,574 |
| Noninterest income to average assets | 0.2491% | 3,987 |
| Noninterest expense to average assets | 2.5259% | 2,757 |
| Loan and lease loss provision to assets | 0.3322% | 1,168 |
| Net operating income to assets | -0.0976% | 4,813 |
| Return on assets (ROA) | 0.0744% | 4,749 |
| Pretax return on assets | -0.0019% | 4,788 |
| Return on Equity (ROE) | 0.5547% | 4,747 |
| Retained earnings to average equity (ytd only) | 0.5547% | 4,375 |
| Net charge-offs to loans | 0.8071% | 168 |
| Credit loss provision to net charge-offs | 85.0989% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.2881% | 3,136 |
| Efficiency ratio | 95.7380% | 231 |
| Assets per employee ($millions) | 7.1416% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,300 |
| Loan loss allowance to noncurrent loans | 81.5024% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 1,705 |
| Noncurrent loans to loans | 1.3262% | 1,112 |
| Net loans and leases to total assets | 47.5340% | 4,235 |
| Net loans and leases to deposits | 55.0329% | 4,294 |
| Net loans and leases to core deposits | 56.6283% | 4,358 |
| Total domestic deposits to total assets | 86.3737% | 1,907 |
| Equity capital to assets | 12.3541% | 1,487 |
| Core capital (leverage) ratio | 12.8224% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $483,767,250 | 1,573 |
| Average earning assets | $445,238,000 | 1,593 |
| Average equity | $64,893,750 | 1,357 |
| Average total loans | $233,927,250 | 2,004 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1193% | 4,779 |
| Cost of funding earning assets | 0.3916% | 4,069 |
| Net interest margin | 2.7276% | 4,530 |
| Noninterest income to average assets | 0.2610% | 3,908 |
| Noninterest expense to average assets | 2.5857% | 2,715 |
| Loan and lease loss provision to assets | 0.3626% | 1,163 |
| Net operating income to assets | -0.1309% | 4,841 |
| Return on assets (ROA) | 0.2060% | 4,610 |
| Pretax return on assets | 0.1570% | 4,675 |
| Return on Equity (ROE) | 1.4909% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.4909% | 3,940 |
| Net charge-offs to loans | 1.2260% | 109 |
| Credit loss provision to net charge-offs | 61.0194% | 2,584 |
| Earnings coverage of net charge-offs (x) | 0.3073% | 2,931 |
| Efficiency ratio | 93.4052% | 309 |
| Assets per employee ($millions) | 6.6521% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,815 |
| Loan loss allowance to noncurrent loans | 68.9626% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 1,708 |
| Noncurrent loans to loans | 1.3717% | 1,126 |
| Net loans and leases to total assets | 49.3293% | 4,189 |
| Net loans and leases to deposits | 57.4087% | 4,249 |
| Net loans and leases to core deposits | 59.2448% | 4,299 |
| Total domestic deposits to total assets | 85.9264% | 2,042 |
| Equity capital to assets | 12.8176% | 1,232 |
| Core capital (leverage) ratio | 13.5753% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,893,667 | 1,588 |
| Average earning assets | $431,000,000 | 1,610 |
| Average equity | $64,793,333 | 1,352 |
| Average total loans | $227,252,333 | 2,032 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 4,779 |
| Cost of funding earning assets | 0.4046% | 4,346 |
| Net interest margin | 2.9394% | 4,370 |
| Noninterest income to average assets | 0.2701% | 3,917 |
| Noninterest expense to average assets | 2.6322% | 2,882 |
| Loan and lease loss provision to assets | 0.1118% | 2,284 |
| Net operating income to assets | 0.2059% | 4,519 |
| Return on assets (ROA) | 0.3515% | 4,272 |
| Pretax return on assets | 0.3792% | 4,330 |
| Return on Equity (ROE) | 2.4424% | 4,357 |
| Retained earnings to average equity (ytd only) | 2.4424% | 3,294 |
| Net charge-offs to loans | 0.2062% | 672 |
| Credit loss provision to net charge-offs | 113.6364% | 1,736 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,218 |
| Efficiency ratio | 88.7248% | 550 |
| Assets per employee ($millions) | 6.1804% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,750 |
| Loan loss allowance to noncurrent loans | 61.8008% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 1,174 |
| Noncurrent loans to loans | 2.2418% | 584 |
| Net loans and leases to total assets | 46.8886% | 4,387 |
| Net loans and leases to deposits | 55.7090% | 4,381 |
| Net loans and leases to core deposits | 56.7747% | 4,472 |
| Total domestic deposits to total assets | 84.1671% | 2,725 |
| Equity capital to assets | 14.4966% | 899 |
| Core capital (leverage) ratio | 15.0399% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,236,000 | 1,620 |
| Average earning assets | $410,287,500 | 1,634 |
| Average equity | $64,363,500 | 1,355 |
| Average total loans | $213,337,500 | 2,097 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 4,851 |
| Cost of funding earning assets | 0.3962% | 4,452 |
| Net interest margin | 3.1129% | 4,343 |
| Noninterest income to average assets | 0.2707% | 4,058 |
| Noninterest expense to average assets | 2.6614% | 2,990 |
| Loan and lease loss provision to assets | 0.0456% | 3,106 |
| Net operating income to assets | 0.4174% | 4,569 |
| Return on assets (ROA) | 0.4329% | 4,570 |
| Pretax return on assets | 0.4199% | 4,679 |
| Return on Equity (ROE) | 3.0763% | 4,653 |
| Retained earnings to average equity (ytd only) | 3.0763% | 3,486 |
| Net charge-offs to loans | 0.1367% | 1,418 |
| Credit loss provision to net charge-offs | 68.7285% | 2,929 |
| Earnings coverage of net charge-offs (x) | 6.7869% | 2,937 |
| Efficiency ratio | 85.5386% | 566 |
| Assets per employee ($millions) | 5.9944% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,550 |
| Loan loss allowance to noncurrent loans | 59.8744% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.1738% | 1,013 |
| Noncurrent loans to loans | 2.3271% | 506 |
| Net loans and leases to total assets | 47.1608% | 4,474 |
| Net loans and leases to deposits | 55.8870% | 4,461 |
| Net loans and leases to core deposits | 56.8071% | 4,555 |
| Total domestic deposits to total assets | 84.3860% | 2,724 |
| Equity capital to assets | 14.3374% | 987 |
| Core capital (leverage) ratio | 15.2798% | 632 |
| Tier 1 risk-based capital ratio | 27.1824% | 606 |
| Total risk-based capital ratio | 28.3621% | 597 |
| Memoranda: | ||
| Average total assets | $438,935,600 | 1,601 |
| Average earning assets | $400,565,000 | 1,625 |
| Average equity | $61,763,000 | 1,354 |
| Average total loans | $212,852,400 | 2,069 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,917 |
| Cost of funding earning assets | 0.3903% | 4,532 |
| Net interest margin | 3.1695% | 4,361 |
| Noninterest income to average assets | 0.2653% | 4,154 |
| Noninterest expense to average assets | 2.6893% | 2,898 |
| Loan and lease loss provision to assets | 0.0609% | 2,681 |
| Net operating income to assets | 0.3662% | 4,776 |
| Return on assets (ROA) | 0.3892% | 4,765 |
| Pretax return on assets | 0.4294% | 4,777 |
| Return on Equity (ROE) | 2.7795% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.7795% | 3,982 |
| Net charge-offs to loans | 0.1659% | 1,017 |
| Credit loss provision to net charge-offs | 75.4717% | 2,560 |
| Earnings coverage of net charge-offs (x) | 5.7623% | 2,891 |
| Efficiency ratio | 85.2563% | 536 |
| Assets per employee ($millions) | 5.9894% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,532 |
| Loan loss allowance to noncurrent loans | 80.7089% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 1,521 |
| Noncurrent loans to loans | 1.7479% | 828 |
| Net loans and leases to total assets | 47.0368% | 4,549 |
| Net loans and leases to deposits | 55.9001% | 4,558 |
| Net loans and leases to core deposits | 56.8667% | 4,661 |
| Total domestic deposits to total assets | 84.1443% | 2,768 |
| Equity capital to assets | 14.3036% | 1,040 |
| Core capital (leverage) ratio | 15.5340% | 636 |
| Tier 1 risk-based capital ratio | 26.8937% | 649 |
| Total risk-based capital ratio | 28.0824% | 644 |
| Memoranda: | ||
| Average total assets | $437,772,250 | 1,610 |
| Average earning assets | $399,037,750 | 1,634 |
| Average equity | $61,304,000 | 1,362 |
| Average total loans | $213,026,500 | 2,088 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,917 |
| Cost of funding earning assets | 0.3979% | 4,518 |
| Net interest margin | 3.2241% | 4,306 |
| Noninterest income to average assets | 0.2615% | 4,190 |
| Noninterest expense to average assets | 2.7250% | 2,823 |
| Loan and lease loss provision to assets | 0.0826% | 2,190 |
| Net operating income to assets | 0.3497% | 4,804 |
| Return on assets (ROA) | 0.3753% | 4,789 |
| Pretax return on assets | 0.4188% | 4,805 |
| Return on Equity (ROE) | 2.6994% | 4,838 |
| Retained earnings to average equity (ytd only) | 2.6994% | 3,850 |
| Net charge-offs to loans | 0.2229% | 757 |
| Credit loss provision to net charge-offs | 75.6303% | 2,266 |
| Earnings coverage of net charge-offs (x) | 4.3319% | 2,745 |
| Efficiency ratio | 85.2102% | 585 |
| Assets per employee ($millions) | 5.8803% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 1,572 |
| Loan loss allowance to noncurrent loans | 78.6691% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,489 |
| Noncurrent loans to loans | 1.7934% | 840 |
| Net loans and leases to total assets | 48.6909% | 4,535 |
| Net loans and leases to deposits | 57.9766% | 4,517 |
| Net loans and leases to core deposits | 59.0636% | 4,609 |
| Total domestic deposits to total assets | 83.9838% | 2,874 |
| Equity capital to assets | 14.4922% | 949 |
| Core capital (leverage) ratio | 15.4904% | 619 |
| Tier 1 risk-based capital ratio | 26.8196% | 638 |
| Total risk-based capital ratio | 28.0164% | 630 |
| Memoranda: | ||
| Average total assets | $435,957,330 | 1,609 |
| Average earning assets | $397,068,670 | 1,642 |
| Average equity | $60,606,670 | 1,368 |
| Average total loans | $213,549,330 | 2,090 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,984 |
| Cost of funding earning assets | 0.4009% | 4,479 |
| Net interest margin | 3.1691% | 4,460 |
| Noninterest income to average assets | 0.2477% | 4,241 |
| Noninterest expense to average assets | 2.6543% | 3,045 |
| Loan and lease loss provision to assets | 0.1002% | 1,755 |
| Net operating income to assets | 0.3240% | 4,866 |
| Return on assets (ROA) | 0.3487% | 4,842 |
| Pretax return on assets | 0.4088% | 4,830 |
| Return on Equity (ROE) | 2.5613% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.5613% | 3,905 |
| Net charge-offs to loans | 0.3471% | 448 |
| Credit loss provision to net charge-offs | 59.1398% | 1,919 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 2,454 |
| Efficiency ratio | 84.6891% | 659 |
| Assets per employee ($millions) | 5.8751% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,778 |
| Loan loss allowance to noncurrent loans | 70.7549% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 1,347 |
| Noncurrent loans to loans | 1.9386% | 777 |
| Net loans and leases to total assets | 49.1378% | 4,521 |
| Net loans and leases to deposits | 58.5201% | 4,477 |
| Net loans and leases to core deposits | 59.5557% | 4,584 |
| Total domestic deposits to total assets | 83.9674% | 3,055 |
| Equity capital to assets | 13.9471% | 1,058 |
| Core capital (leverage) ratio | 15.4027% | 617 |
| Tier 1 risk-based capital ratio | 25.8972% | 694 |
| Total risk-based capital ratio | 27.0525% | 685 |
| Memoranda: | ||
| Average total assets | $439,292,000 | 1,600 |
| Average earning assets | $400,108,000 | 1,638 |
| Average equity | $59,812,500 | 1,377 |
| Average total loans | $214,322,000 | 2,101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 4,954 |
| Cost of funding earning assets | 0.4079% | 3,940 |
| Net interest margin | 3.0550% | 4,719 |
| Noninterest income to average assets | 0.2723% | 4,281 |
| Noninterest expense to average assets | 2.2593% | 4,207 |
| Loan and lease loss provision to assets | 0.2124% | 871 |
| Net operating income to assets | 0.4622% | 4,742 |
| Return on assets (ROA) | 0.4597% | 4,746 |
| Pretax return on assets | 0.5920% | 4,646 |
| Return on Equity (ROE) | 3.5337% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.5337% | 3,645 |
| Net charge-offs to loans | 0.3701% | 517 |
| Credit loss provision to net charge-offs | 121.5837% | 2,143 |
| Earnings coverage of net charge-offs (x) | 4.6220% | 3,277 |
| Efficiency ratio | 73.6666% | 1,670 |
| Assets per employee ($millions) | 5.9977% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,495 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,976 |
| Noncurrent loans to loans | 1.2578% | 1,265 |
| Net loans and leases to total assets | 47.0893% | 4,693 |
| Net loans and leases to deposits | 56.6465% | 4,638 |
| Net loans and leases to core deposits | 57.7583% | 4,712 |
| Total domestic deposits to total assets | 83.1283% | 3,285 |
| Equity capital to assets | 13.2910% | 1,220 |
| Core capital (leverage) ratio | 15.0602% | 682 |
| Tier 1 risk-based capital ratio | 25.6686% | 694 |
| Total risk-based capital ratio | 26.8506% | 683 |
| Memoranda: | ||
| Average total assets | $448,112,400 | 1,542 |
| Average earning assets | $409,919,800 | 1,556 |
| Average equity | $58,295,600 | 1,351 |
| Average total loans | $211,544,800 | 2,084 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 5,014 |
| Cost of funding earning assets | 0.3922% | 3,917 |
| Net interest margin | 3.0278% | 4,808 |
| Noninterest income to average assets | 0.2666% | 4,368 |
| Noninterest expense to average assets | 2.1841% | 4,355 |
| Loan and lease loss provision to assets | 0.1647% | 1,151 |
| Net operating income to assets | 0.5946% | 4,517 |
| Return on assets (ROA) | 0.5910% | 4,534 |
| Pretax return on assets | 0.6866% | 4,564 |
| Return on Equity (ROE) | 4.5673% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5673% | 3,467 |
| Net charge-offs to loans | 0.1829% | 915 |
| Credit loss provision to net charge-offs | 191.3793% | 1,436 |
| Earnings coverage of net charge-offs (x) | 9.9379% | 2,613 |
| Efficiency ratio | 71.8555% | 1,902 |
| Assets per employee ($millions) | 5.9941% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,612 |
| Loan loss allowance to noncurrent loans | 116.9643% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 2,181 |
| Noncurrent loans to loans | 1.2168% | 1,385 |
| Net loans and leases to total assets | 49.0933% | 4,656 |
| Net loans and leases to deposits | 60.9890% | 4,498 |
| Net loans and leases to core deposits | 62.2278% | 4,601 |
| Total domestic deposits to total assets | 80.4953% | 3,996 |
| Equity capital to assets | 13.0513% | 1,313 |
| Core capital (leverage) ratio | 14.9045% | 721 |
| Tier 1 risk-based capital ratio | 24.2028% | 822 |
| Total risk-based capital ratio | 25.3540% | 811 |
| Memoranda: | ||
| Average total assets | $449,183,750 | 1,548 |
| Average earning assets | $411,382,250 | 1,562 |
| Average equity | $58,122,250 | 1,358 |
| Average total loans | $211,420,250 | 2,091 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 5,076 |
| Cost of funding earning assets | 0.3690% | 3,945 |
| Net interest margin | 2.9967% | 4,881 |
| Noninterest income to average assets | 0.2621% | 4,433 |
| Noninterest expense to average assets | 2.1607% | 4,462 |
| Loan and lease loss provision to assets | 0.2239% | 727 |
| Net operating income to assets | 0.5961% | 4,506 |
| Return on assets (ROA) | 0.5902% | 4,524 |
| Pretax return on assets | 0.6221% | 4,701 |
| Return on Equity (ROE) | 4.5739% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.5739% | 3,307 |
| Net charge-offs to loans | 0.2747% | 582 |
| Credit loss provision to net charge-offs | 176.5734% | 1,410 |
| Earnings coverage of net charge-offs (x) | 6.7203% | 2,600 |
| Efficiency ratio | 71.7145% | 2,049 |
| Assets per employee ($millions) | 5.8749% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,698 |
| Loan loss allowance to noncurrent loans | 109.1966% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 2,124 |
| Noncurrent loans to loans | 1.2965% | 1,316 |
| Net loans and leases to total assets | 48.3306% | 4,703 |
| Net loans and leases to deposits | 59.6817% | 4,548 |
| Net loans and leases to core deposits | 60.9309% | 4,660 |
| Total domestic deposits to total assets | 80.9806% | 4,004 |
| Equity capital to assets | 12.9732% | 1,307 |
| Core capital (leverage) ratio | 14.6400% | 745 |
| Tier 1 risk-based capital ratio | 24.2985% | 809 |
| Total risk-based capital ratio | 25.4489% | 790 |
| Memoranda: | ||
| Average total assets | $451,057,000 | 1,552 |
| Average earning assets | $414,053,000 | 1,564 |
| Average equity | $58,199,330 | 1,357 |
| Average total loans | $208,259,000 | 2,114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 5,147 |
| Cost of funding earning assets | 0.3499% | 3,995 |
| Net interest margin | 2.9447% | 4,967 |
| Noninterest income to average assets | 0.2550% | 4,471 |
| Noninterest expense to average assets | 2.1273% | 4,591 |
| Loan and lease loss provision to assets | 0.0882% | 2,038 |
| Net operating income to assets | 0.6741% | 4,190 |
| Return on assets (ROA) | 0.6741% | 4,195 |
| Pretax return on assets | 0.7500% | 4,297 |
| Return on Equity (ROE) | 5.2386% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.2386% | 3,066 |
| Net charge-offs to loans | 0.0138% | 2,268 |
| Credit loss provision to net charge-offs | 1,428.5714% | 262 |
| Earnings coverage of net charge-offs (x) | 135.7143% | 478 |
| Efficiency ratio | 71.7346% | 2,229 |
| Assets per employee ($millions) | 6.0520% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,626 |
| Loan loss allowance to noncurrent loans | 92.8482% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 2,011 |
| Noncurrent loans to loans | 1.5703% | 1,111 |
| Net loans and leases to total assets | 44.8663% | 4,856 |
| Net loans and leases to deposits | 54.0176% | 4,795 |
| Net loans and leases to core deposits | 55.2030% | 4,865 |
| Total domestic deposits to total assets | 83.0588% | 3,648 |
| Equity capital to assets | 12.8879% | 1,300 |
| Core capital (leverage) ratio | 14.5388% | 751 |
| Tier 1 risk-based capital ratio | 25.1468% | 744 |
| Total risk-based capital ratio | 26.2987% | 736 |
| Memoranda: | ||
| Average total assets | $453,337,500 | 1,558 |
| Average earning assets | $417,297,500 | 1,562 |
| Average equity | $58,336,500 | 1,366 |
| Average total loans | $202,942,000 | 2,176 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 5,226 |
| Cost of funding earning assets | 0.3505% | 3,717 |
| Net interest margin | 2.8181% | 5,147 |
| Noninterest income to average assets | 0.2434% | 4,679 |
| Noninterest expense to average assets | 2.1782% | 4,573 |
| Loan and lease loss provision to assets | 0.1570% | 1,431 |
| Net operating income to assets | 0.1697% | 5,162 |
| Return on assets (ROA) | 0.1793% | 5,160 |
| Pretax return on assets | 0.5242% | 4,890 |
| Return on Equity (ROE) | 1.4127% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.4127% | 4,441 |
| Net charge-offs to loans | 0.0575% | 2,660 |
| Credit loss provision to net charge-offs | 683.9623% | 481 |
| Earnings coverage of net charge-offs (x) | 29.0283% | 1,581 |
| Efficiency ratio | 76.5776% | 1,545 |
| Assets per employee ($millions) | 6.2977% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,665 |
| Loan loss allowance to noncurrent loans | 86.4046% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 1,972 |
| Noncurrent loans to loans | 1.6497% | 1,003 |
| Net loans and leases to total assets | 43.3077% | 5,011 |
| Net loans and leases to deposits | 52.1067% | 4,979 |
| Net loans and leases to core deposits | 53.4239% | 5,021 |
| Total domestic deposits to total assets | 83.1136% | 3,519 |
| Equity capital to assets | 12.7931% | 1,357 |
| Core capital (leverage) ratio | 13.3871% | 1,011 |
| Tier 1 risk-based capital ratio | 24.5151% | 769 |
| Total risk-based capital ratio | 25.6425% | 761 |
| Memoranda: | ||
| Average total assets | $461,849,400 | 1,508 |
| Average earning assets | $426,280,000 | 1,513 |
| Average equity | $58,611,000 | 1,339 |
| Average total loans | $184,456,200 | 2,283 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1476% | 5,292 |
| Cost of funding earning assets | 0.3466% | 3,706 |
| Net interest margin | 2.8010% | 5,216 |
| Noninterest income to average assets | 0.2232% | 4,881 |
| Noninterest expense to average assets | 2.1667% | 4,599 |
| Loan and lease loss provision to assets | 0.1644% | 1,232 |
| Net operating income to assets | 0.3936% | 5,010 |
| Return on assets (ROA) | 0.4106% | 5,008 |
| Pretax return on assets | 0.4997% | 5,029 |
| Return on Equity (ROE) | 3.2422% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.2422% | 3,997 |
| Net charge-offs to loans | 0.0785% | 2,015 |
| Credit loss provision to net charge-offs | 537.7358% | 588 |
| Earnings coverage of net charge-offs (x) | 21.0471% | 1,928 |
| Efficiency ratio | 77.1062% | 1,448 |
| Assets per employee ($millions) | 6.2472% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,685 |
| Loan loss allowance to noncurrent loans | 77.3205% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 2,095 |
| Noncurrent loans to loans | 1.8822% | 928 |
| Net loans and leases to total assets | 39.8990% | 5,204 |
| Net loans and leases to deposits | 48.1491% | 5,184 |
| Net loans and leases to core deposits | 49.3335% | 5,222 |
| Total domestic deposits to total assets | 82.8655% | 3,504 |
| Equity capital to assets | 12.8744% | 1,455 |
| Core capital (leverage) ratio | 13.4523% | 1,039 |
| Tier 1 risk-based capital ratio | 26.0302% | 672 |
| Total risk-based capital ratio | 27.1486% | 675 |
| Memoranda: | ||
| Average total assets | $462,379,000 | 1,514 |
| Average earning assets | $427,021,000 | 1,527 |
| Average equity | $58,560,250 | 1,350 |
| Average total loans | $180,075,750 | 2,335 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1167% | 5,333 |
| Cost of funding earning assets | 0.3383% | 3,710 |
| Net interest margin | 2.7784% | 5,278 |
| Noninterest income to average assets | 0.2163% | 4,958 |
| Noninterest expense to average assets | 2.1656% | 4,636 |
| Loan and lease loss provision to assets | 0.0999% | 2,017 |
| Net operating income to assets | 0.4788% | 4,762 |
| Return on assets (ROA) | 0.4788% | 4,795 |
| Pretax return on assets | 0.5225% | 4,967 |
| Return on Equity (ROE) | 3.8014% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.8014% | 3,427 |
| Net charge-offs to loans | -0.3095% | 5,646 |
| Credit loss provision to net charge-offs | -84.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6761% | 1,511 |
| Assets per employee ($millions) | 7.0813% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,573 |
| Loan loss allowance to noncurrent loans | 69.6199% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 1,939 |
| Noncurrent loans to loans | 2.1577% | 755 |
| Net loans and leases to total assets | 38.8051% | 5,272 |
| Net loans and leases to deposits | 46.8499% | 5,258 |
| Net loans and leases to core deposits | 48.2464% | 5,277 |
| Total domestic deposits to total assets | 82.8286% | 3,620 |
| Equity capital to assets | 12.6381% | 1,553 |
| Core capital (leverage) ratio | 13.8711% | 895 |
| Tier 1 risk-based capital ratio | 26.7157% | 623 |
| Total risk-based capital ratio | 27.8864% | 615 |
| Memoranda: | ||
| Average total assets | $462,408,670 | 1,515 |
| Average earning assets | $428,019,670 | 1,524 |
| Average equity | $58,241,330 | 1,358 |
| Average total loans | $177,710,000 | 2,360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 5,323 |
| Cost of funding earning assets | 0.3326% | 3,721 |
| Net interest margin | 2.8058% | 5,229 |
| Noninterest income to average assets | 0.2145% | 4,982 |
| Noninterest expense to average assets | 2.1681% | 4,728 |
| Loan and lease loss provision to assets | 0.0260% | 3,235 |
| Net operating income to assets | 0.5236% | 4,500 |
| Return on assets (ROA) | 0.5236% | 4,535 |
| Pretax return on assets | 0.6130% | 4,701 |
| Return on Equity (ROE) | 4.1904% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.1904% | 3,362 |
| Net charge-offs to loans | -0.6327% | 5,757 |
| Credit loss provision to net charge-offs | -10.8696% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2348% | 1,729 |
| Assets per employee ($millions) | 6.0439% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 2,031 |
| Loan loss allowance to noncurrent loans | 64.0220% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,007 |
| Noncurrent loans to loans | 2.2043% | 768 |
| Net loans and leases to total assets | 38.5191% | 5,302 |
| Net loans and leases to deposits | 46.4673% | 5,283 |
| Net loans and leases to core deposits | 47.8968% | 5,305 |
| Total domestic deposits to total assets | 82.8951% | 3,882 |
| Equity capital to assets | 12.4616% | 1,570 |
| Core capital (leverage) ratio | 13.6828% | 918 |
| Tier 1 risk-based capital ratio | 28.8744% | 517 |
| Total risk-based capital ratio | 30.0629% | 510 |
| Memoranda: | ||
| Average total assets | $460,687,500 | 1,530 |
| Average earning assets | $425,686,000 | 1,540 |
| Average equity | $57,560,000 | 1,368 |
| Average total loans | $174,501,500 | 2,413 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 5,495 |
| Cost of funding earning assets | 0.3634% | 3,379 |
| Net interest margin | 2.6453% | 5,478 |
| Noninterest income to average assets | 0.2157% | 5,125 |
| Noninterest expense to average assets | 2.1130% | 4,981 |
| Loan and lease loss provision to assets | 0.0693% | 2,968 |
| Net operating income to assets | 0.3554% | 5,067 |
| Return on assets (ROA) | 0.4324% | 4,932 |
| Pretax return on assets | 0.6054% | 4,774 |
| Return on Equity (ROE) | 3.3277% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.3277% | 3,551 |
| Net charge-offs to loans | 0.1896% | 1,462 |
| Credit loss provision to net charge-offs | 107.1429% | 2,436 |
| Earnings coverage of net charge-offs (x) | 8.7517% | 2,839 |
| Efficiency ratio | 78.8665% | 1,572 |
| Assets per employee ($millions) | 6.7157% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,293 |
| Loan loss allowance to noncurrent loans | 69.3039% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 2,411 |
| Noncurrent loans to loans | 1.9506% | 939 |
| Net loans and leases to total assets | 36.1133% | 5,482 |
| Net loans and leases to deposits | 44.3629% | 5,418 |
| Net loans and leases to core deposits | 45.8391% | 5,439 |
| Total domestic deposits to total assets | 81.4041% | 4,232 |
| Equity capital to assets | 12.6107% | 1,457 |
| Core capital (leverage) ratio | 13.3977% | 1,004 |
| Tier 1 risk-based capital ratio | 29.3572% | 501 |
| Total risk-based capital ratio | 30.4268% | 501 |
| Memoranda: | ||
| Average total assets | $454,416,600 | 1,498 |
| Average earning assets | $423,208,000 | 1,490 |
| Average equity | $59,049,800 | 1,308 |
| Average total loans | $155,027,600 | 2,579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0431% | 5,534 |
| Cost of funding earning assets | 0.3678% | 3,353 |
| Net interest margin | 2.6753% | 5,519 |
| Noninterest income to average assets | 0.2142% | 5,182 |
| Noninterest expense to average assets | 2.1531% | 4,890 |
| Loan and lease loss provision to assets | 0.0661% | 2,904 |
| Net operating income to assets | 0.3546% | 5,155 |
| Return on assets (ROA) | 0.4263% | 5,027 |
| Pretax return on assets | 0.5925% | 4,898 |
| Return on Equity (ROE) | 3.2561% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.2561% | 3,956 |
| Net charge-offs to loans | 0.2439% | 961 |
| Credit loss provision to net charge-offs | 80.9353% | 2,651 |
| Earnings coverage of net charge-offs (x) | 6.8453% | 2,951 |
| Efficiency ratio | 79.3869% | 1,513 |
| Assets per employee ($millions) | 6.4846% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,326 |
| Loan loss allowance to noncurrent loans | 68.7854% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 2,590 |
| Noncurrent loans to loans | 1.9967% | 990 |
| Net loans and leases to total assets | 34.0953% | 5,618 |
| Net loans and leases to deposits | 42.3012% | 5,573 |
| Net loans and leases to core deposits | 43.6906% | 5,587 |
| Total domestic deposits to total assets | 80.6012% | 4,356 |
| Equity capital to assets | 13.2834% | 1,355 |
| Core capital (leverage) ratio | 13.4365% | 1,025 |
| Tier 1 risk-based capital ratio | 28.6718% | 540 |
| Total risk-based capital ratio | 29.6913% | 543 |
| Memoranda: | ||
| Average total assets | $453,854,250 | 1,500 |
| Average earning assets | $423,769,000 | 1,486 |
| Average equity | $59,415,000 | 1,310 |
| Average total loans | $151,990,250 | 2,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1033% | 5,540 |
| Cost of funding earning assets | 0.3730% | 3,329 |
| Net interest margin | 2.7303% | 5,535 |
| Noninterest income to average assets | 0.2130% | 5,216 |
| Noninterest expense to average assets | 2.1706% | 4,911 |
| Loan and lease loss provision to assets | 0.0310% | 3,505 |
| Net operating income to assets | 0.3970% | 5,044 |
| Return on assets (ROA) | 0.4432% | 4,979 |
| Pretax return on assets | 0.6275% | 4,820 |
| Return on Equity (ROE) | 3.4028% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.4028% | 3,726 |
| Net charge-offs to loans | 0.3663% | 632 |
| Credit loss provision to net charge-offs | 25.5474% | 2,891 |
| Earnings coverage of net charge-offs (x) | 4.8905% | 2,929 |
| Efficiency ratio | 78.5325% | 1,706 |
| Assets per employee ($millions) | 6.4266% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,580 |
| Loan loss allowance to noncurrent loans | 72.3427% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 2,808 |
| Noncurrent loans to loans | 1.8500% | 1,096 |
| Net loans and leases to total assets | 32.8773% | 5,714 |
| Net loans and leases to deposits | 41.1148% | 5,649 |
| Net loans and leases to core deposits | 42.4726% | 5,667 |
| Total domestic deposits to total assets | 79.9646% | 4,557 |
| Equity capital to assets | 13.2945% | 1,333 |
| Core capital (leverage) ratio | 13.3825% | 1,024 |
| Tier 1 risk-based capital ratio | 29.9169% | 501 |
| Total risk-based capital ratio | 30.9113% | 504 |
| Memoranda: | ||
| Average total assets | $451,669,000 | 1,518 |
| Average earning assets | $422,005,000 | 1,499 |
| Average equity | $58,834,000 | 1,322 |
| Average total loans | $149,599,000 | 2,656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 5,534 |
| Cost of funding earning assets | 0.3851% | 3,246 |
| Net interest margin | 2.7794% | 5,501 |
| Noninterest income to average assets | 0.2270% | 5,114 |
| Noninterest expense to average assets | 2.1851% | 4,936 |
| Loan and lease loss provision to assets | 0.0356% | 3,185 |
| Net operating income to assets | 0.4246% | 4,921 |
| Return on assets (ROA) | 0.5100% | 4,698 |
| Pretax return on assets | 0.7236% | 4,438 |
| Return on Equity (ROE) | 3.9534% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.9534% | 3,515 |
| Net charge-offs to loans | 0.2103% | 952 |
| Credit loss provision to net charge-offs | 51.2821% | 2,039 |
| Earnings coverage of net charge-offs (x) | 9.1795% | 2,007 |
| Efficiency ratio | 77.4204% | 1,977 |
| Assets per employee ($millions) | 6.6370% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 2,152 |
| Loan loss allowance to noncurrent loans | 71.6938% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 2,726 |
| Noncurrent loans to loans | 2.0387% | 1,042 |
| Net loans and leases to total assets | 32.8790% | 5,758 |
| Net loans and leases to deposits | 41.0760% | 5,680 |
| Net loans and leases to core deposits | 42.4140% | 5,701 |
| Total domestic deposits to total assets | 80.0441% | 4,735 |
| Equity capital to assets | 13.0208% | 1,395 |
| Core capital (leverage) ratio | 13.4917% | 988 |
| Tier 1 risk-based capital ratio | 30.4555% | 486 |
| Total risk-based capital ratio | 31.5571% | 485 |
| Memoranda: | ||
| Average total assets | $449,414,500 | 1,528 |
| Average earning assets | $419,658,500 | 1,510 |
| Average equity | $57,975,500 | 1,334 |
| Average total loans | $148,373,500 | 2,677 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 5,650 |
| Cost of funding earning assets | 0.4579% | 2,551 |
| Net interest margin | 2.6302% | 5,733 |
| Noninterest income to average assets | 0.1981% | 5,400 |
| Noninterest expense to average assets | 2.1031% | 5,251 |
| Loan and lease loss provision to assets | 0.1152% | 2,078 |
| Net operating income to assets | 0.3197% | 5,298 |
| Return on assets (ROA) | 0.3689% | 5,232 |
| Pretax return on assets | 0.5063% | 5,099 |
| Return on Equity (ROE) | 2.8752% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.8752% | 4,018 |
| Net charge-offs to loans | 0.0889% | 2,548 |
| Credit loss provision to net charge-offs | 417.8862% | 732 |
| Earnings coverage of net charge-offs (x) | 20.0976% | 1,900 |
| Efficiency ratio | 79.1498% | 1,797 |
| Assets per employee ($millions) | 6.7805% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,858 |
| Loan loss allowance to noncurrent loans | 67.0761% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 2,623 |
| Noncurrent loans to loans | 2.2838% | 844 |
| Net loans and leases to total assets | 32.1597% | 5,831 |
| Net loans and leases to deposits | 40.0636% | 5,770 |
| Net loans and leases to core deposits | 41.3424% | 5,782 |
| Total domestic deposits to total assets | 80.2716% | 4,674 |
| Equity capital to assets | 12.7786% | 1,470 |
| Core capital (leverage) ratio | 13.3752% | 1,009 |
| Tier 1 risk-based capital ratio | 30.7659% | 474 |
| Total risk-based capital ratio | 31.9087% | 471 |
| Memoranda: | ||
| Average total assets | $446,191,800 | 1,500 |
| Average earning assets | $417,149,200 | 1,480 |
| Average equity | $57,248,600 | 1,307 |
| Average total loans | $138,383,400 | 2,747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0690% | 5,744 |
| Cost of funding earning assets | 0.4770% | 2,433 |
| Net interest margin | 2.5920% | 5,840 |
| Noninterest income to average assets | 0.1899% | 5,526 |
| Noninterest expense to average assets | 2.1301% | 5,217 |
| Loan and lease loss provision to assets | 0.1238% | 1,839 |
| Net operating income to assets | 0.2717% | 5,530 |
| Return on assets (ROA) | 0.3143% | 5,495 |
| Pretax return on assets | 0.4172% | 5,435 |
| Return on Equity (ROE) | 2.4471% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.4471% | 4,647 |
| Net charge-offs to loans | 0.0664% | 2,619 |
| Credit loss provision to net charge-offs | 608.8235% | 558 |
| Earnings coverage of net charge-offs (x) | 23.8099% | 1,719 |
| Efficiency ratio | 81.4802% | 1,469 |
| Assets per employee ($millions) | 7.0316% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 2,143 |
| Loan loss allowance to noncurrent loans | 64.9882% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8251% | 2,810 |
| Noncurrent loans to loans | 2.3140% | 922 |
| Net loans and leases to total assets | 31.9321% | 5,925 |
| Net loans and leases to deposits | 39.8367% | 5,872 |
| Net loans and leases to core deposits | 41.1032% | 5,881 |
| Total domestic deposits to total assets | 80.1577% | 4,707 |
| Equity capital to assets | 12.6209% | 1,675 |
| Core capital (leverage) ratio | 13.2111% | 1,128 |
| Tier 1 risk-based capital ratio | 30.0962% | 521 |
| Total risk-based capital ratio | 31.2025% | 520 |
| Memoranda: | ||
| Average total assets | $445,861,500 | 1,516 |
| Average earning assets | $417,017,250 | 1,490 |
| Average equity | $57,264,250 | 1,316 |
| Average total loans | $136,439,750 | 2,792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0563% | 5,792 |
| Cost of funding earning assets | 0.5016% | 2,238 |
| Net interest margin | 2.5547% | 5,921 |
| Noninterest income to average assets | 0.1768% | 5,639 |
| Noninterest expense to average assets | 2.1203% | 5,295 |
| Loan and lease loss provision to assets | 0.1278% | 1,738 |
| Net operating income to assets | 0.2397% | 5,605 |
| Return on assets (ROA) | 0.3015% | 5,536 |
| Pretax return on assets | 0.4014% | 5,462 |
| Return on Equity (ROE) | 2.3337% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.3337% | 4,565 |
| Net charge-offs to loans | 0.0945% | 2,075 |
| Credit loss provision to net charge-offs | 450.7937% | 676 |
| Earnings coverage of net charge-offs (x) | 15.7619% | 1,955 |
| Efficiency ratio | 82.5942% | 1,423 |
| Assets per employee ($millions) | 6.6646% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,271 |
| Loan loss allowance to noncurrent loans | 61.4494% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 2,898 |
| Noncurrent loans to loans | 2.4524% | 917 |
| Net loans and leases to total assets | 30.2834% | 6,029 |
| Net loans and leases to deposits | 37.8391% | 5,981 |
| Net loans and leases to core deposits | 39.1266% | 5,986 |
| Total domestic deposits to total assets | 80.0320% | 4,861 |
| Equity capital to assets | 12.3954% | 1,727 |
| Core capital (leverage) ratio | 13.1660% | 1,109 |
| Tier 1 risk-based capital ratio | 30.6991% | 506 |
| Total risk-based capital ratio | 31.7702% | 506 |
| Memoranda: | ||
| Average total assets | $444,474,330 | 1,530 |
| Average earning assets | $415,857,670 | 1,505 |
| Average equity | $57,420,000 | 1,323 |
| Average total loans | $133,287,670 | 2,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0862% | 5,797 |
| Cost of funding earning assets | 0.5104% | 2,198 |
| Net interest margin | 2.5759% | 5,943 |
| Noninterest income to average assets | 0.1398% | 5,909 |
| Noninterest expense to average assets | 2.0927% | 5,402 |
| Loan and lease loss provision to assets | 0.1299% | 1,596 |
| Net operating income to assets | 0.2351% | 5,602 |
| Return on assets (ROA) | 0.3094% | 5,485 |
| Pretax return on assets | 0.4348% | 5,348 |
| Return on Equity (ROE) | 2.3471% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.3471% | 4,516 |
| Net charge-offs to loans | 0.0213% | 2,721 |
| Credit loss provision to net charge-offs | 2,057.1429% | 193 |
| Earnings coverage of net charge-offs (x) | 72.8571% | 633 |
| Efficiency ratio | 81.9788% | 1,621 |
| Assets per employee ($millions) | 6.6573% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,554 |
| Loan loss allowance to noncurrent loans | 66.2329% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7475% | 3,249 |
| Noncurrent loans to loans | 2.2278% | 1,129 |
| Net loans and leases to total assets | 29.7148% | 6,082 |
| Net loans and leases to deposits | 37.1759% | 6,016 |
| Net loans and leases to core deposits | 38.4383% | 6,026 |
| Total domestic deposits to total assets | 79.9303% | 5,062 |
| Equity capital to assets | 13.1558% | 1,323 |
| Core capital (leverage) ratio | 13.2106% | 1,085 |
| Tier 1 risk-based capital ratio | 31.9407% | 460 |
| Total risk-based capital ratio | 33.0162% | 464 |
| Memoranda: | ||
| Average total assets | $443,447,000 | 1,544 |
| Average earning assets | $415,395,000 | 1,513 |
| Average equity | $58,455,500 | 1,307 |
| Average total loans | $131,285,000 | 2,895 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 5,723 |
| Cost of funding earning assets | 0.5669% | 2,073 |
| Net interest margin | 2.7175% | 5,913 |
| Noninterest income to average assets | 0.2032% | 5,646 |
| Noninterest expense to average assets | 2.0687% | 5,639 |
| Loan and lease loss provision to assets | 0.1440% | 1,841 |
| Net operating income to assets | 0.3572% | 5,358 |
| Return on assets (ROA) | 0.4469% | 5,127 |
| Pretax return on assets | 0.6508% | 4,779 |
| Return on Equity (ROE) | 3.6400% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.6400% | 3,629 |
| Net charge-offs to loans | 0.4540% | 927 |
| Credit loss provision to net charge-offs | 111.3475% | 2,141 |
| Earnings coverage of net charge-offs (x) | 5.1401% | 3,490 |
| Efficiency ratio | 75.6795% | 2,562 |
| Assets per employee ($millions) | 6.6796% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,723 |
| Loan loss allowance to noncurrent loans | 84.1147% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 3,821 |
| Noncurrent loans to loans | 1.7158% | 1,697 |
| Net loans and leases to total assets | 28.6256% | 6,222 |
| Net loans and leases to deposits | 36.1784% | 6,167 |
| Net loans and leases to core deposits | 37.5179% | 6,167 |
| Total domestic deposits to total assets | 79.1235% | 5,229 |
| Equity capital to assets | 13.2087% | 1,272 |
| Core capital (leverage) ratio | 13.3072% | 1,023 |
| Tier 1 risk-based capital ratio | 31.8654% | 433 |
| Total risk-based capital ratio | 32.8701% | 435 |
| Memoranda: | ||
| Average total assets | $436,080,000 | 1,526 |
| Average earning assets | $406,034,800 | 1,508 |
| Average equity | $53,544,200 | 1,364 |
| Average total loans | $124,221,000 | 2,966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 5,743 |
| Cost of funding earning assets | 0.5751% | 2,062 |
| Net interest margin | 2.7393% | 5,957 |
| Noninterest income to average assets | 0.2094% | 5,679 |
| Noninterest expense to average assets | 2.0829% | 5,614 |
| Loan and lease loss provision to assets | 0.1625% | 1,530 |
| Net operating income to assets | 0.3552% | 5,413 |
| Return on assets (ROA) | 0.4571% | 5,123 |
| Pretax return on assets | 0.6576% | 4,850 |
| Return on Equity (ROE) | 3.7958% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.7958% | 3,953 |
| Net charge-offs to loans | 0.5214% | 737 |
| Credit loss provision to net charge-offs | 109.9585% | 2,039 |
| Earnings coverage of net charge-offs (x) | 4.5643% | 3,426 |
| Efficiency ratio | 75.5392% | 2,569 |
| Assets per employee ($millions) | 6.4073% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 2,917 |
| Loan loss allowance to noncurrent loans | 96.1175% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 4,243 |
| Noncurrent loans to loans | 1.5149% | 2,140 |
| Net loans and leases to total assets | 28.4568% | 6,307 |
| Net loans and leases to deposits | 35.7442% | 6,252 |
| Net loans and leases to core deposits | 37.1025% | 6,258 |
| Total domestic deposits to total assets | 79.6123% | 5,196 |
| Equity capital to assets | 12.6821% | 1,593 |
| Core capital (leverage) ratio | 13.3087% | 1,060 |
| Tier 1 risk-based capital ratio | 32.3633% | 428 |
| Total risk-based capital ratio | 33.3829% | 427 |
| Memoranda: | ||
| Average total assets | $434,886,500 | 1,538 |
| Average earning assets | $404,525,500 | 1,522 |
| Average equity | $52,372,500 | 1,402 |
| Average total loans | $123,265,000 | 3,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3781% | 5,667 |
| Cost of funding earning assets | 0.5843% | 2,031 |
| Net interest margin | 2.7938% | 5,923 |
| Noninterest income to average assets | 0.2034% | 5,739 |
| Noninterest expense to average assets | 2.1191% | 5,589 |
| Loan and lease loss provision to assets | 0.1265% | 1,952 |
| Net operating income to assets | 0.3849% | 5,280 |
| Return on assets (ROA) | 0.4455% | 5,113 |
| Pretax return on assets | 0.6406% | 4,817 |
| Return on Equity (ROE) | 3.7657% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.7657% | 3,791 |
| Net charge-offs to loans | 0.1209% | 2,464 |
| Credit loss provision to net charge-offs | 371.6216% | 733 |
| Earnings coverage of net charge-offs (x) | 19.9865% | 1,599 |
| Efficiency ratio | 75.6903% | 2,693 |
| Assets per employee ($millions) | 6.6914% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 2,524 |
| Loan loss allowance to noncurrent loans | 117.6645% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 4,424 |
| Noncurrent loans to loans | 1.3474% | 2,555 |
| Net loans and leases to total assets | 28.3301% | 6,351 |
| Net loans and leases to deposits | 35.5739% | 6,304 |
| Net loans and leases to core deposits | 36.9872% | 6,309 |
| Total domestic deposits to total assets | 79.6374% | 5,320 |
| Equity capital to assets | 12.6385% | 1,570 |
| Core capital (leverage) ratio | 13.1836% | 1,092 |
| Tier 1 risk-based capital ratio | 32.4369% | 426 |
| Total risk-based capital ratio | 33.5542% | 427 |
| Memoranda: | ||
| Average total assets | $434,615,670 | 1,540 |
| Average earning assets | $403,891,000 | 1,517 |
| Average equity | $51,411,330 | 1,417 |
| Average total loans | $122,414,000 | 3,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,669 |
| Cost of funding earning assets | 0.5965% | 1,999 |
| Net interest margin | 2.7931% | 5,949 |
| Noninterest income to average assets | 0.1851% | 5,856 |
| Noninterest expense to average assets | 2.1784% | 5,514 |
| Loan and lease loss provision to assets | 0.0985% | 2,280 |
| Net operating income to assets | 0.3443% | 5,332 |
| Return on assets (ROA) | 0.3996% | 5,186 |
| Pretax return on assets | 0.5791% | 4,898 |
| Return on Equity (ROE) | 3.4977% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.4977% | 4,034 |
| Net charge-offs to loans | 0.0198% | 3,191 |
| Credit loss provision to net charge-offs | 1,783.3333% | 192 |
| Earnings coverage of net charge-offs (x) | 108.1667% | 429 |
| Efficiency ratio | 78.4743% | 2,413 |
| Assets per employee ($millions) | 6.7043% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 2,923 |
| Loan loss allowance to noncurrent loans | 71.2396% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 4,261 |
| Noncurrent loans to loans | 2.1764% | 1,676 |
| Net loans and leases to total assets | 27.4659% | 6,432 |
| Net loans and leases to deposits | 34.3157% | 6,361 |
| Net loans and leases to core deposits | 35.5809% | 6,371 |
| Total domestic deposits to total assets | 80.0390% | 5,474 |
| Equity capital to assets | 11.5570% | 2,200 |
| Core capital (leverage) ratio | 13.1056% | 1,119 |
| Tier 1 risk-based capital ratio | 31.4257% | 469 |
| Total risk-based capital ratio | 32.4638% | 471 |
| Memoranda: | ||
| Average total assets | $434,453,500 | 1,546 |
| Average earning assets | $402,990,500 | 1,524 |
| Average equity | $49,632,000 | 1,452 |
| Average total loans | $121,019,000 | 3,055 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2507% | 6,071 |
| Cost of funding earning assets | 0.6884% | 1,900 |
| Net interest margin | 2.5623% | 6,309 |
| Noninterest income to average assets | 0.2281% | 5,710 |
| Noninterest expense to average assets | 2.0868% | 5,858 |
| Loan and lease loss provision to assets | 0.1045% | 3,052 |
| Net operating income to assets | 0.2825% | 5,583 |
| Return on assets (ROA) | 0.3749% | 5,359 |
| Pretax return on assets | 0.5641% | 4,997 |
| Return on Equity (ROE) | 2.9659% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.9659% | 4,130 |
| Net charge-offs to loans | -0.0259% | 6,195 |
| Credit loss provision to net charge-offs | -1,482.7586% | 6,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7899% | 2,180 |
| Assets per employee ($millions) | 6.4646% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,278 |
| Loan loss allowance to noncurrent loans | 66.4927% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 4,281 |
| Noncurrent loans to loans | 2.2273% | 1,744 |
| Net loans and leases to total assets | 27.4003% | 6,537 |
| Net loans and leases to deposits | 34.0943% | 6,485 |
| Net loans and leases to core deposits | 35.3524% | 6,491 |
| Total domestic deposits to total assets | 80.3663% | 5,357 |
| Equity capital to assets | 11.2902% | 2,350 |
| Core capital (leverage) ratio | 12.6536% | 1,280 |
| Tier 1 risk-based capital ratio | 30.9115% | 467 |
| Total risk-based capital ratio | 31.9159% | 474 |
| Memoranda: | ||
| Average total assets | $411,298,600 | 1,605 |
| Average earning assets | $383,212,200 | 1,576 |
| Average equity | $51,991,200 | 1,366 |
| Average total loans | $111,909,400 | 3,213 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1969% | 6,199 |
| Cost of funding earning assets | 0.7058% | 1,911 |
| Net interest margin | 2.4910% | 6,434 |
| Noninterest income to average assets | 0.2438% | 5,690 |
| Noninterest expense to average assets | 2.0888% | 5,854 |
| Loan and lease loss provision to assets | 0.1051% | 3,001 |
| Net operating income to assets | 0.2491% | 5,782 |
| Return on assets (ROA) | 0.3499% | 5,561 |
| Pretax return on assets | 0.5250% | 5,285 |
| Return on Equity (ROE) | 2.6912% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.6912% | 4,705 |
| Net charge-offs to loans | -0.0413% | 6,255 |
| Credit loss provision to net charge-offs | -941.1765% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3251% | 1,928 |
| Assets per employee ($millions) | 6.2532% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 3,761 |
| Loan loss allowance to noncurrent loans | 63.8889% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 4,584 |
| Noncurrent loans to loans | 2.2416% | 1,967 |
| Net loans and leases to total assets | 27.1769% | 6,621 |
| Net loans and leases to deposits | 33.9693% | 6,570 |
| Net loans and leases to core deposits | 35.2339% | 6,587 |
| Total domestic deposits to total assets | 80.0041% | 5,508 |
| Equity capital to assets | 11.4445% | 2,337 |
| Core capital (leverage) ratio | 12.8135% | 1,279 |
| Tier 1 risk-based capital ratio | 31.1822% | 468 |
| Total risk-based capital ratio | 32.1442% | 473 |
| Memoranda: | ||
| Average total assets | $405,841,500 | 1,634 |
| Average earning assets | $378,736,000 | 1,604 |
| Average equity | $52,763,750 | 1,357 |
| Average total loans | $109,771,250 | 3,275 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1973% | 6,233 |
| Cost of funding earning assets | 0.7127% | 1,981 |
| Net interest margin | 2.4846% | 6,465 |
| Noninterest income to average assets | 0.2128% | 5,919 |
| Noninterest expense to average assets | 2.1313% | 5,795 |
| Loan and lease loss provision to assets | 0.1352% | 2,635 |
| Net operating income to assets | 0.1819% | 5,955 |
| Return on assets (ROA) | 0.3185% | 5,684 |
| Pretax return on assets | 0.4737% | 5,457 |
| Return on Equity (ROE) | 2.3499% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.3499% | 4,794 |
| Net charge-offs to loans | -0.0727% | 6,395 |
| Credit loss provision to net charge-offs | -692.3077% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0276% | 1,632 |
| Assets per employee ($millions) | 6.6456% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 3,735 |
| Loan loss allowance to noncurrent loans | 62.5574% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 4,623 |
| Noncurrent loans to loans | 2.3448% | 2,009 |
| Net loans and leases to total assets | 26.2166% | 6,681 |
| Net loans and leases to deposits | 33.0402% | 6,637 |
| Net loans and leases to core deposits | 34.2987% | 6,645 |
| Total domestic deposits to total assets | 79.3475% | 5,744 |
| Equity capital to assets | 11.9918% | 1,918 |
| Core capital (leverage) ratio | 12.7358% | 1,271 |
| Tier 1 risk-based capital ratio | 32.0706% | 437 |
| Total risk-based capital ratio | 33.0411% | 438 |
| Memoranda: | ||
| Average total assets | $399,382,670 | 1,657 |
| Average earning assets | $373,502,670 | 1,626 |
| Average equity | $54,130,330 | 1,331 |
| Average total loans | $107,281,670 | 3,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 6,352 |
| Cost of funding earning assets | 0.7291% | 1,998 |
| Net interest margin | 2.4206% | 6,579 |
| Noninterest income to average assets | 0.2217% | 5,896 |
| Noninterest expense to average assets | 2.1768% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2092% | 5,857 |
| Return on assets (ROA) | 0.2463% | 5,859 |
| Pretax return on assets | 0.3695% | 5,648 |
| Return on Equity (ROE) | 1.7115% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.7115% | 5,123 |
| Net charge-offs to loans | -0.1216% | 6,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3918% | 1,385 |
| Assets per employee ($millions) | 6.6215% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,607 |
| Loan loss allowance to noncurrent loans | 36.0808% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 3,963 |
| Noncurrent loans to loans | 3.6504% | 1,301 |
| Net loans and leases to total assets | 26.0252% | 6,728 |
| Net loans and leases to deposits | 30.9036% | 6,721 |
| Net loans and leases to core deposits | 32.0567% | 6,722 |
| Total domestic deposits to total assets | 84.2141% | 4,389 |
| Equity capital to assets | 14.2918% | 940 |
| Core capital (leverage) ratio | 13.7926% | 853 |
| Tier 1 risk-based capital ratio | 35.9761% | 314 |
| Total risk-based capital ratio | 36.8817% | 323 |
| Memoranda: | ||
| Average total assets | $389,739,000 | 1,716 |
| Average earning assets | $365,361,500 | 1,670 |
| Average equity | $56,092,500 | 1,303 |
| Average total loans | $105,225,000 | 3,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 6,153 |
| Cost of funding earning assets | 0.9230% | 1,802 |
| Net interest margin | 2.7150% | 6,498 |
| Noninterest income to average assets | 0.3391% | 5,033 |
| Noninterest expense to average assets | 2.1912% | 5,942 |
| Loan and lease loss provision to assets | 0.0825% | 4,666 |
| Net operating income to assets | 0.3983% | 5,107 |
| Return on assets (ROA) | 0.4449% | 5,156 |
| Pretax return on assets | 0.6706% | 4,757 |
| Return on Equity (ROE) | 2.9326% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.9326% | 4,162 |
| Net charge-offs to loans | 1.0471% | 1,026 |
| Credit loss provision to net charge-offs | 26.7779% | 5,177 |
| Earnings coverage of net charge-offs (x) | 2.2142% | 4,319 |
| Efficiency ratio | 76.2501% | 2,705 |
| Assets per employee ($millions) | 6.4801% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,964 |
| Loan loss allowance to noncurrent loans | 31.1765% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 3,825 |
| Noncurrent loans to loans | 3.9564% | 1,196 |
| Net loans and leases to total assets | 27.2873% | 6,778 |
| Net loans and leases to deposits | 32.5289% | 6,775 |
| Net loans and leases to core deposits | 33.8026% | 6,774 |
| Total domestic deposits to total assets | 83.8863% | 4,365 |
| Equity capital to assets | 14.4933% | 875 |
| Core capital (leverage) ratio | 14.0454% | 789 |
| Tier 1 risk-based capital ratio | 35.6906% | 328 |
| Total risk-based capital ratio | 36.5718% | 329 |
| Memoranda: | ||
| Average total assets | $369,524,600 | 1,762 |
| Average earning assets | $344,969,200 | 1,726 |
| Average equity | $56,059,000 | 1,271 |
| Average total loans | $108,774,400 | 3,319 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 6,229 |
| Cost of funding earning assets | 0.9589% | 1,795 |
| Net interest margin | 2.7359% | 6,598 |
| Noninterest income to average assets | 0.2859% | 5,500 |
| Noninterest expense to average assets | 2.2739% | 5,760 |
| Loan and lease loss provision to assets | 0.1115% | 4,174 |
| Net operating income to assets | 0.2848% | 5,667 |
| Return on assets (ROA) | 0.3458% | 5,652 |
| Pretax return on assets | 0.5473% | 5,315 |
| Return on Equity (ROE) | 2.2529% | 5,959 |
| Retained earnings to average equity (ytd only) | 2.2529% | 5,213 |
| Net charge-offs to loans | 1.2953% | 728 |
| Credit loss provision to net charge-offs | 28.7736% | 4,816 |
| Earnings coverage of net charge-offs (x) | 1.4538% | 4,561 |
| Efficiency ratio | 80.1443% | 2,075 |
| Assets per employee ($millions) | 5.9898% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,773 |
| Loan loss allowance to noncurrent loans | 31.5506% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 3,902 |
| Noncurrent loans to loans | 4.1486% | 1,207 |
| Net loans and leases to total assets | 27.6154% | 6,888 |
| Net loans and leases to deposits | 33.1182% | 6,884 |
| Net loans and leases to core deposits | 34.5821% | 6,888 |
| Total domestic deposits to total assets | 83.3844% | 4,486 |
| Equity capital to assets | 14.9112% | 844 |
| Core capital (leverage) ratio | 14.3050% | 752 |
| Tier 1 risk-based capital ratio | 35.0808% | 356 |
| Total risk-based capital ratio | 36.0107% | 359 |
| Memoranda: | ||
| Average total assets | $364,704,000 | 1,806 |
| Average earning assets | $340,116,250 | 1,771 |
| Average equity | $55,986,000 | 1,279 |
| Average total loans | $109,113,000 | 3,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 6,133 |
| Cost of funding earning assets | 0.9753% | 1,905 |
| Net interest margin | 2.8293% | 6,531 |
| Noninterest income to average assets | 0.3174% | 5,280 |
| Noninterest expense to average assets | 2.2957% | 5,754 |
| Loan and lease loss provision to assets | 0.1339% | 3,854 |
| Net operating income to assets | 0.3301% | 5,500 |
| Return on assets (ROA) | 0.3961% | 5,465 |
| Pretax return on assets | 0.6243% | 5,055 |
| Return on Equity (ROE) | 2.5542% | 5,859 |
| Retained earnings to average equity (ytd only) | 2.5542% | 4,909 |
| Net charge-offs to loans | 1.7334% | 515 |
| Credit loss provision to net charge-offs | 25.2366% | 4,526 |
| Earnings coverage of net charge-offs (x) | 1.2345% | 4,390 |
| Efficiency ratio | 77.8030% | 2,487 |
| Assets per employee ($millions) | 5.8512% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,659 |
| Loan loss allowance to noncurrent loans | 48.2184% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,736 |
| Noncurrent loans to loans | 2.8060% | 2,132 |
| Net loans and leases to total assets | 28.6391% | 6,919 |
| Net loans and leases to deposits | 34.6129% | 6,906 |
| Net loans and leases to core deposits | 36.0935% | 6,911 |
| Total domestic deposits to total assets | 82.7413% | 4,854 |
| Equity capital to assets | 15.5109% | 676 |
| Core capital (leverage) ratio | 14.6328% | 670 |
| Tier 1 risk-based capital ratio | 25.3000% | 872 |
| Total risk-based capital ratio | 25.9948% | 913 |
| Memoranda: | ||
| Average total assets | $358,490,670 | 1,836 |
| Average earning assets | $333,655,670 | 1,803 |
| Average equity | $55,594,330 | 1,282 |
| Average total loans | $109,728,670 | 3,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 6,122 |
| Cost of funding earning assets | 0.9936% | 2,019 |
| Net interest margin | 2.8650% | 6,532 |
| Noninterest income to average assets | 0.2411% | 5,903 |
| Noninterest expense to average assets | 2.3088% | 5,744 |
| Loan and lease loss provision to assets | 0.1132% | 3,939 |
| Net operating income to assets | 0.2995% | 5,660 |
| Return on assets (ROA) | 0.4335% | 5,297 |
| Pretax return on assets | 0.6881% | 4,830 |
| Return on Equity (ROE) | 2.7955% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.7955% | 4,860 |
| Net charge-offs to loans | 1.7104% | 564 |
| Credit loss provision to net charge-offs | 21.0526% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 3,784 |
| Efficiency ratio | 79.5942% | 2,255 |
| Assets per employee ($millions) | 5.5140% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 3,651 |
| Loan loss allowance to noncurrent loans | 140.0314% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 5,629 |
| Noncurrent loans to loans | 1.1554% | 4,399 |
| Net loans and leases to total assets | 30.2683% | 6,898 |
| Net loans and leases to deposits | 36.5091% | 6,873 |
| Net loans and leases to core deposits | 37.8910% | 6,884 |
| Total domestic deposits to total assets | 82.9062% | 4,966 |
| Equity capital to assets | 15.2571% | 700 |
| Core capital (leverage) ratio | 14.6595% | 662 |
| Tier 1 risk-based capital ratio | 26.0229% | 801 |
| Total risk-based capital ratio | 26.9088% | 817 |
| Memoranda: | ||
| Average total assets | $353,423,500 | 1,872 |
| Average earning assets | $328,101,500 | 1,839 |
| Average equity | $54,803,000 | 1,293 |
| Average total loans | $111,083,500 | 3,324 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 6,145 |
| Cost of funding earning assets | 1.0606% | 2,952 |
| Net interest margin | 3.1077% | 6,330 |
| Noninterest income to average assets | 0.2641% | 5,642 |
| Noninterest expense to average assets | 2.3390% | 5,945 |
| Loan and lease loss provision to assets | 0.1674% | 4,549 |
| Net operating income to assets | 0.3856% | 4,925 |
| Return on assets (ROA) | 0.4601% | 4,798 |
| Pretax return on assets | 0.7567% | 4,128 |
| Return on Equity (ROE) | 2.8851% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.8851% | 4,192 |
| Net charge-offs to loans | 0.1163% | 5,216 |
| Credit loss provision to net charge-offs | 438.2813% | 518 |
| Earnings coverage of net charge-offs (x) | 21.1484% | 1,105 |
| Efficiency ratio | 74.3315% | 3,171 |
| Assets per employee ($millions) | 5.5307% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 2,477 |
| Loan loss allowance to noncurrent loans | 45.8192% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.5885% | 3,566 |
| Noncurrent loans to loans | 4.2110% | 1,458 |
| Net loans and leases to total assets | 31.4947% | 6,953 |
| Net loans and leases to deposits | 38.4380% | 6,938 |
| Net loans and leases to core deposits | 39.9743% | 6,948 |
| Total domestic deposits to total assets | 81.9364% | 5,153 |
| Equity capital to assets | 15.7627% | 620 |
| Core capital (leverage) ratio | 14.7992% | 649 |
| Tier 1 risk-based capital ratio | 25.9879% | 783 |
| Total risk-based capital ratio | 27.0665% | 781 |
| Memoranda: | ||
| Average total assets | $335,140,200 | 1,930 |
| Average earning assets | $310,876,200 | 1,896 |
| Average equity | $53,447,800 | 1,268 |
| Average total loans | $110,065,200 | 3,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 6,083 |
| Cost of funding earning assets | 1.0765% | 3,134 |
| Net interest margin | 3.1722% | 6,227 |
| Noninterest income to average assets | 0.2821% | 5,590 |
| Noninterest expense to average assets | 2.3896% | 5,789 |
| Loan and lease loss provision to assets | 0.1933% | 4,087 |
| Net operating income to assets | 0.3855% | 5,060 |
| Return on assets (ROA) | 0.4673% | 4,880 |
| Pretax return on assets | 0.7707% | 4,239 |
| Return on Equity (ROE) | 2.9214% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.9214% | 4,606 |
| Net charge-offs to loans | 0.2068% | 4,147 |
| Credit loss provision to net charge-offs | 282.9412% | 1,014 |
| Earnings coverage of net charge-offs (x) | 12.2412% | 1,726 |
| Efficiency ratio | 74.0782% | 3,166 |
| Assets per employee ($millions) | 5.2856% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,685 |
| Loan loss allowance to noncurrent loans | 111.4943% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,450 |
| Noncurrent loans to loans | 1.6841% | 3,778 |
| Net loans and leases to total assets | 30.9835% | 7,055 |
| Net loans and leases to deposits | 38.0732% | 7,034 |
| Net loans and leases to core deposits | 39.5531% | 7,051 |
| Total domestic deposits to total assets | 81.3790% | 5,301 |
| Equity capital to assets | 16.1176% | 610 |
| Core capital (leverage) ratio | 15.0251% | 661 |
| Tier 1 risk-based capital ratio | 31.7906% | 462 |
| Total risk-based capital ratio | 33.0446% | 453 |
| Memoranda: | ||
| Average total assets | $331,816,250 | 1,957 |
| Average earning assets | $307,916,250 | 1,918 |
| Average equity | $53,079,000 | 1,284 |
| Average total loans | $109,607,000 | 3,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 6,072 |
| Cost of funding earning assets | 1.0962% | 3,272 |
| Net interest margin | 3.1865% | 6,206 |
| Noninterest income to average assets | 0.3251% | 5,291 |
| Noninterest expense to average assets | 2.4392% | 5,729 |
| Loan and lease loss provision to assets | 0.2263% | 3,652 |
| Net operating income to assets | 0.3647% | 5,107 |
| Return on assets (ROA) | 0.4654% | 4,792 |
| Pretax return on assets | 0.7691% | 4,150 |
| Return on Equity (ROE) | 2.9170% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.9170% | 4,426 |
| Net charge-offs to loans | 0.1437% | 4,332 |
| Credit loss provision to net charge-offs | 469.6203% | 654 |
| Earnings coverage of net charge-offs (x) | 17.3924% | 1,303 |
| Efficiency ratio | 74.4277% | 3,284 |
| Assets per employee ($millions) | 5.1022% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 2,895 |
| Loan loss allowance to noncurrent loans | 91.8107% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 5,569 |
| Noncurrent loans to loans | 1.9927% | 3,490 |
| Net loans and leases to total assets | 32.1557% | 7,110 |
| Net loans and leases to deposits | 39.3399% | 7,085 |
| Net loans and leases to core deposits | 40.9798% | 7,105 |
| Total domestic deposits to total assets | 81.7382% | 5,258 |
| Equity capital to assets | 15.9464% | 613 |
| Core capital (leverage) ratio | 15.1786% | 634 |
| Tier 1 risk-based capital ratio | 31.3817% | 479 |
| Total risk-based capital ratio | 32.6176% | 472 |
| Memoranda: | ||
| Average total assets | $327,900,670 | 1,982 |
| Average earning assets | $303,777,330 | 1,950 |
| Average equity | $52,314,000 | 1,286 |
| Average total loans | $109,981,000 | 3,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 6,185 |
| Cost of funding earning assets | 1.1219% | 3,358 |
| Net interest margin | 3.1154% | 6,306 |
| Noninterest income to average assets | 0.4538% | 4,248 |
| Noninterest expense to average assets | 2.4620% | 5,700 |
| Loan and lease loss provision to assets | 0.1113% | 4,622 |
| Net operating income to assets | 0.4703% | 4,619 |
| Return on assets (ROA) | 0.4798% | 4,654 |
| Pretax return on assets | 0.7729% | 4,003 |
| Return on Equity (ROE) | 3.0065% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.0065% | 4,361 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9050% | 3,530 |
| Assets per employee ($millions) | 4.9780% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 3,545 |
| Loan loss allowance to noncurrent loans | 84.8202% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 5,658 |
| Noncurrent loans to loans | 1.9406% | 3,648 |
| Net loans and leases to total assets | 33.0268% | 7,123 |
| Net loans and leases to deposits | 40.2337% | 7,091 |
| Net loans and leases to core deposits | 41.9321% | 7,112 |
| Total domestic deposits to total assets | 82.0875% | 5,276 |
| Equity capital to assets | 15.7770% | 609 |
| Core capital (leverage) ratio | 15.0136% | 666 |
| Tier 1 risk-based capital ratio | 33.1229% | 398 |
| Total risk-based capital ratio | 34.3412% | 392 |
| Memoranda: | ||
| Average total assets | $323,478,000 | 2,019 |
| Average earning assets | $298,769,500 | 2,002 |
| Average equity | $51,621,500 | 1,293 |
| Average total loans | $109,821,000 | 3,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 6,505 |
| Cost of funding earning assets | 1.2164% | 4,448 |
| Net interest margin | 3.2407% | 6,166 |
| Noninterest income to average assets | 0.2202% | 6,231 |
| Noninterest expense to average assets | 2.4579% | 5,921 |
| Loan and lease loss provision to assets | 0.2670% | 4,664 |
| Net operating income to assets | 0.2815% | 4,995 |
| Return on assets (ROA) | 0.3959% | 4,700 |
| Pretax return on assets | 0.6473% | 4,176 |
| Return on Equity (ROE) | 2.3281% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.3281% | 4,248 |
| Net charge-offs to loans | 0.1416% | 5,506 |
| Credit loss provision to net charge-offs | 540.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 14.8800% | 1,308 |
| Efficiency ratio | 76.9636% | 2,881 |
| Assets per employee ($millions) | 4.9751% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,663 |
| Loan loss allowance to noncurrent loans | 83.7051% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 5,702 |
| Noncurrent loans to loans | 1.8863% | 3,703 |
| Net loans and leases to total assets | 33.7903% | 7,236 |
| Net loans and leases to deposits | 41.6730% | 7,197 |
| Net loans and leases to core deposits | 43.5124% | 7,217 |
| Total domestic deposits to total assets | 81.0843% | 5,499 |
| Equity capital to assets | 16.1453% | 561 |
| Core capital (leverage) ratio | 15.3210% | 612 |
| Tier 1 risk-based capital ratio | 33.4976% | 389 |
| Total risk-based capital ratio | 34.6774% | 381 |
| Memoranda: | ||
| Average total assets | $303,392,600 | 2,132 |
| Average earning assets | $278,364,200 | 2,125 |
| Average equity | $51,587,000 | 1,291 |
| Average total loans | $105,907,200 | 3,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 6,520 |
| Cost of funding earning assets | 1.2285% | 4,694 |
| Net interest margin | 3.3039% | 6,004 |
| Noninterest income to average assets | 0.2171% | 6,349 |
| Noninterest expense to average assets | 2.4900% | 5,746 |
| Loan and lease loss provision to assets | 0.3097% | 4,102 |
| Net operating income to assets | 0.2688% | 5,287 |
| Return on assets (ROA) | 0.4232% | 4,830 |
| Pretax return on assets | 0.6861% | 4,276 |
| Return on Equity (ROE) | 2.4558% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.4558% | 4,702 |
| Net charge-offs to loans | 0.1904% | 4,810 |
| Credit loss provision to net charge-offs | 464.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 11.3064% | 1,808 |
| Efficiency ratio | 76.7416% | 2,807 |
| Assets per employee ($millions) | 4.5701% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 3,899 |
| Loan loss allowance to noncurrent loans | 82.7515% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 5,878 |
| Noncurrent loans to loans | 1.8301% | 3,895 |
| Net loans and leases to total assets | 33.7327% | 7,353 |
| Net loans and leases to deposits | 42.0826% | 7,299 |
| Net loans and leases to core deposits | 44.0097% | 7,323 |
| Total domestic deposits to total assets | 80.1583% | 5,656 |
| Equity capital to assets | 16.7873% | 545 |
| Core capital (leverage) ratio | 15.6695% | 612 |
| Tier 1 risk-based capital ratio | 35.2033% | 343 |
| Total risk-based capital ratio | 36.3663% | 336 |
| Memoranda: | ||
| Average total assets | $299,638,750 | 2,186 |
| Average earning assets | $274,574,000 | 2,181 |
| Average equity | $51,631,750 | 1,295 |
| Average total loans | $105,054,750 | 3,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 6,558 |
| Cost of funding earning assets | 1.2365% | 4,919 |
| Net interest margin | 3.3256% | 5,923 |
| Noninterest income to average assets | 0.2223% | 6,323 |
| Noninterest expense to average assets | 2.4877% | 5,755 |
| Loan and lease loss provision to assets | 0.3933% | 3,355 |
| Net operating income to assets | 0.2299% | 5,460 |
| Return on assets (ROA) | 0.4643% | 4,646 |
| Pretax return on assets | 0.7522% | 4,059 |
| Return on Equity (ROE) | 2.6704% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.6704% | 4,446 |
| Net charge-offs to loans | 0.2868% | 3,901 |
| Credit loss provision to net charge-offs | 388.0000% | 936 |
| Earnings coverage of net charge-offs (x) | 7.6867% | 2,258 |
| Efficiency ratio | 76.1481% | 3,050 |
| Assets per employee ($millions) | 4.4580% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,372 |
| Loan loss allowance to noncurrent loans | 81.6794% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 5,978 |
| Noncurrent loans to loans | 1.7271% | 4,097 |
| Net loans and leases to total assets | 34.5347% | 7,401 |
| Net loans and leases to deposits | 43.4774% | 7,339 |
| Net loans and leases to core deposits | 45.4065% | 7,374 |
| Total domestic deposits to total assets | 79.4314% | 5,909 |
| Equity capital to assets | 17.3134% | 489 |
| Core capital (leverage) ratio | 15.9267% | 578 |
| Tier 1 risk-based capital ratio | 35.4482% | 338 |
| Total risk-based capital ratio | 36.5435% | 336 |
| Memoranda: | ||
| Average total assets | $295,930,330 | 2,225 |
| Average earning assets | $270,928,330 | 2,221 |
| Average equity | $51,452,670 | 1,295 |
| Average total loans | $104,592,670 | 3,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 6,394 |
| Cost of funding earning assets | 1.2582% | 5,073 |
| Net interest margin | 3.3964% | 5,597 |
| Noninterest income to average assets | 0.2285% | 6,323 |
| Noninterest expense to average assets | 2.4671% | 5,847 |
| Loan and lease loss provision to assets | 0.5624% | 2,254 |
| Net operating income to assets | 0.1811% | 5,749 |
| Return on assets (ROA) | 0.5638% | 4,209 |
| Pretax return on assets | 0.9072% | 3,441 |
| Return on Equity (ROE) | 3.2354% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.2354% | 4,211 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8934% | 3,593 |
| Assets per employee ($millions) | 3.9851% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,371 |
| Loan loss allowance to noncurrent loans | 102.3562% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 6,263 |
| Noncurrent loans to loans | 1.3775% | 4,673 |
| Net loans and leases to total assets | 35.0205% | 7,466 |
| Net loans and leases to deposits | 44.0781% | 7,399 |
| Net loans and leases to core deposits | 46.1136% | 7,424 |
| Total domestic deposits to total assets | 79.4509% | 5,976 |
| Equity capital to assets | 17.3191% | 494 |
| Core capital (leverage) ratio | 16.9871% | 460 |
| Tier 1 risk-based capital ratio | 35.2187% | 353 |
| Total risk-based capital ratio | 36.2993% | 350 |
| Memoranda: | ||
| Average total assets | $292,322,000 | 2,299 |
| Average earning assets | $267,693,500 | 2,297 |
| Average equity | $50,936,500 | 1,310 |
| Average total loans | $103,794,500 | 3,828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 6,800 |
| Cost of funding earning assets | 1.5948% | 5,047 |
| Net interest margin | 3.2690% | 5,861 |
| Noninterest income to average assets | 0.2372% | 6,401 |
| Noninterest expense to average assets | 2.5412% | 5,981 |
| Loan and lease loss provision to assets | 0.1604% | 6,080 |
| Net operating income to assets | 0.3387% | 4,379 |
| Return on assets (ROA) | 0.3488% | 4,423 |
| Pretax return on assets | 0.5419% | 4,073 |
| Return on Equity (ROE) | 1.9010% | 4,946 |
| Retained earnings to average equity (ytd only) | 1.9010% | 3,765 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7307% | 3,085 |
| Assets per employee ($millions) | 4.5273% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,191 |
| Loan loss allowance to noncurrent loans | 74.7546% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 6,219 |
| Noncurrent loans to loans | 1.3867% | 4,603 |
| Net loans and leases to total assets | 35.1243% | 7,554 |
| Net loans and leases to deposits | 44.5953% | 7,492 |
| Net loans and leases to core deposits | 50.8474% | 7,565 |
| Total domestic deposits to total assets | 78.7624% | 6,042 |
| Equity capital to assets | 17.5323% | 499 |
| Core capital (leverage) ratio | 16.5337% | 549 |
| Tier 1 risk-based capital ratio | 35.3130% | 336 |
| Total risk-based capital ratio | 36.1018% | 342 |
| Memoranda: | ||
| Average total assets | $272,387,600 | 2,402 |
| Average earning assets | $249,187,000 | 2,413 |
| Average equity | $49,975,000 | 1,346 |
| Average total loans | $95,549,600 | 4,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 6,871 |
| Cost of funding earning assets | 1.6592% | 5,112 |
| Net interest margin | 3.2465% | 5,856 |
| Noninterest income to average assets | 0.2343% | 6,548 |
| Noninterest expense to average assets | 2.6482% | 5,531 |
| Loan and lease loss provision to assets | 0.1547% | 5,805 |
| Net operating income to assets | 0.2632% | 4,938 |
| Return on assets (ROA) | 0.2353% | 5,118 |
| Pretax return on assets | 0.3586% | 4,909 |
| Return on Equity (ROE) | 1.2672% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.2672% | 4,615 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6580% | 2,489 |
| Assets per employee ($millions) | 4.5687% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 6,607 |
| Loan loss allowance to noncurrent loans | 99.3658% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 6,631 |
| Noncurrent loans to loans | 0.9436% | 5,412 |
| Net loans and leases to total assets | 35.6361% | 7,631 |
| Net loans and leases to deposits | 45.6480% | 7,578 |
| Net loans and leases to core deposits | 52.2271% | 7,641 |
| Total domestic deposits to total assets | 78.0673% | 6,071 |
| Equity capital to assets | 18.0100% | 514 |
| Core capital (leverage) ratio | 16.9054% | 562 |
| Tier 1 risk-based capital ratio | 36.7694% | 337 |
| Total risk-based capital ratio | 37.5018% | 346 |
| Memoranda: | ||
| Average total assets | $268,048,250 | 2,450 |
| Average earning assets | $245,179,500 | 2,464 |
| Average equity | $49,769,000 | 1,374 |
| Average total loans | $93,727,750 | 4,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 6,998 |
| Cost of funding earning assets | 1.7200% | 5,175 |
| Net interest margin | 3.1937% | 5,939 |
| Noninterest income to average assets | 0.2352% | 6,596 |
| Noninterest expense to average assets | 2.6624% | 5,509 |
| Loan and lease loss provision to assets | 0.1777% | 5,273 |
| Net operating income to assets | 0.2033% | 5,251 |
| Return on assets (ROA) | 0.1588% | 5,490 |
| Pretax return on assets | 0.2473% | 5,337 |
| Return on Equity (ROE) | 0.8463% | 5,675 |
| Retained earnings to average equity (ytd only) | 0.8463% | 4,847 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3353% | 2,440 |
| Assets per employee ($millions) | 4.4850% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 6,700 |
| Loan loss allowance to noncurrent loans | 91.9149% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 6,592 |
| Noncurrent loans to loans | 0.9967% | 5,212 |
| Net loans and leases to total assets | 34.1567% | 7,766 |
| Net loans and leases to deposits | 43.7055% | 7,710 |
| Net loans and leases to core deposits | 50.4483% | 7,755 |
| Total domestic deposits to total assets | 78.1520% | 6,035 |
| Equity capital to assets | 17.8913% | 562 |
| Core capital (leverage) ratio | 17.1589% | 598 |
| Tier 1 risk-based capital ratio | 39.3287% | 324 |
| Total risk-based capital ratio | 40.0543% | 326 |
| Memoranda: | ||
| Average total assets | $264,501,330 | 2,498 |
| Average earning assets | $241,974,670 | 2,504 |
| Average equity | $49,628,000 | 1,391 |
| Average total loans | $91,552,330 | 4,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 6,962 |
| Cost of funding earning assets | 1.7697% | 5,261 |
| Net interest margin | 3.2162% | 5,806 |
| Noninterest income to average assets | 0.2200% | 6,715 |
| Noninterest expense to average assets | 2.7835% | 4,631 |
| Loan and lease loss provision to assets | 0.0462% | 6,395 |
| Net operating income to assets | 0.1722% | 5,746 |
| Return on assets (ROA) | 0.0816% | 6,200 |
| Pretax return on assets | 0.1877% | 5,972 |
| Return on Equity (ROE) | 0.4243% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.4243% | 5,492 |
| Net charge-offs to loans | 0.2795% | 2,998 |
| Credit loss provision to net charge-offs | 47.6190% | 4,714 |
| Earnings coverage of net charge-offs (x) | 3.8730% | 3,036 |
| Efficiency ratio | 88.1150% | 1,886 |
| Assets per employee ($millions) | 4.2620% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 7,544 |
| Loan loss allowance to noncurrent loans | 188.6076% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 7,143 |
| Noncurrent loans to loans | 0.3507% | 6,556 |
| Net loans and leases to total assets | 33.8774% | 7,804 |
| Net loans and leases to deposits | 43.8302% | 7,731 |
| Net loans and leases to core deposits | 50.8469% | 7,760 |
| Total domestic deposits to total assets | 77.2923% | 6,209 |
| Equity capital to assets | 19.0625% | 490 |
| Core capital (leverage) ratio | 17.8613% | 573 |
| Tier 1 risk-based capital ratio | 43.1396% | 278 |
| Total risk-based capital ratio | 43.6908% | 280 |
| Memoranda: | ||
| Average total assets | $259,959,000 | 2,553 |
| Average earning assets | $237,550,500 | 2,554 |
| Average equity | $49,968,000 | 1,377 |
| Average total loans | $90,172,500 | 4,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 7,695 |
| Cost of funding earning assets | 2.0681% | 6,169 |
| Net interest margin | 3.1167% | 6,605 |
| Noninterest income to average assets | 0.2393% | 6,733 |
| Noninterest expense to average assets | 2.6773% | 5,351 |
| Loan and lease loss provision to assets | 0.0806% | 6,385 |
| Net operating income to assets | 0.0889% | 6,136 |
| Return on assets (ROA) | -0.1069% | 6,356 |
| Pretax return on assets | 0.0016% | 6,151 |
| Return on Equity (ROE) | -0.5441% | 6,301 |
| Retained earnings to average equity (ytd only) | -0.5441% | 5,452 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3406% | 1,739 |
| Assets per employee ($millions) | 3.7055% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 7,434 |
| Loan loss allowance to noncurrent loans | 143.2802% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 6,879 |
| Noncurrent loans to loans | 0.4865% | 5,888 |
| Net loans and leases to total assets | 35.0450% | 7,867 |
| Net loans and leases to deposits | 46.4139% | 7,769 |
| Net loans and leases to core deposits | 52.9140% | 7,828 |
| Total domestic deposits to total assets | 75.5054% | 6,340 |
| Equity capital to assets | 19.3858% | 507 |
| Core capital (leverage) ratio | 18.2539% | 577 |
| Tier 1 risk-based capital ratio | 41.5512% | 302 |
| Total risk-based capital ratio | 42.1100% | 312 |
| Memoranda: | ||
| Average total assets | $250,740,600 | 2,558 |
| Average earning assets | $227,355,000 | 2,574 |
| Average equity | $49,257,400 | 1,383 |
| Average total loans | $84,942,400 | 4,366 |