Home > Citizens Savings Bank > Performance and Condition Ratios
Citizens 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 | 3.3434% | 4,448 |
| Cost of funding earning assets | 1.1196% | 3,012 |
| Net interest margin | 2.2238% | 4,300 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.2083% | 3,097 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.1655% | 4,199 |
| Return on assets (ROA) | -0.1372% | 4,425 |
| Pretax return on assets | -0.1319% | 4,414 |
| Return on Equity (ROE) | -1.0500% | 4,389 |
| Retained earnings to average equity (ytd only) | -1.0471% | 4,192 |
| Net charge-offs to loans | 0.0055% | 2,504 |
| Credit loss provision to net charge-offs | -593.7500% | 4,544 |
| Earnings coverage of net charge-offs (x) | 37.8125% | 1,481 |
| Efficiency ratio | 93.2845% | 319 |
| Assets per employee ($millions) | 5.3358% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3674% | 4,400 |
| Loan loss allowance to noncurrent loans | 94.2659% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 1,719 |
| Noncurrent loans to loans | 0.3898% | 1,815 |
| Net loans and leases to total assets | 78.7700% | 788 |
| Net loans and leases to deposits | 98.5615% | 616 |
| Net loans and leases to core deposits | 104.8738% | 1,173 |
| Total domestic deposits to total assets | 79.9200% | 3,474 |
| Equity capital to assets | 13.6740% | 738 |
| Core capital (leverage) ratio | 14.5797% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6309% | 249 |
| Memoranda: | ||
| Average total assets | $380,569,600 | 2,078 |
| Average earning assets | $361,636,800 | 2,034 |
| Average equity | $49,851,800 | 1,612 |
| Average total loans | $291,552,000 | 1,822 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 4,458 |
| Cost of funding earning assets | 1.0278% | 2,956 |
| Net interest margin | 2.2576% | 4,321 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.2151% | 3,038 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.1824% | 4,247 |
| Return on assets (ROA) | -0.2193% | 4,484 |
| Pretax return on assets | -0.2099% | 4,476 |
| Return on Equity (ROE) | -1.6900% | 4,445 |
| Retained earnings to average equity (ytd only) | -1.6926% | 4,301 |
| Net charge-offs to loans | 0.0073% | 2,158 |
| Credit loss provision to net charge-offs | -518.7500% | 4,578 |
| Earnings coverage of net charge-offs (x) | 32.3125% | 1,555 |
| Efficiency ratio | 92.4734% | 305 |
| Assets per employee ($millions) | 5.5449% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 4,420 |
| Loan loss allowance to noncurrent loans | 68.0099% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 1,293 |
| Noncurrent loans to loans | 0.5493% | 1,452 |
| Net loans and leases to total assets | 78.7500% | 785 |
| Net loans and leases to deposits | 94.8104% | 833 |
| Net loans and leases to core deposits | 100.8191% | 1,275 |
| Total domestic deposits to total assets | 83.0600% | 3,006 |
| Equity capital to assets | 13.3130% | 758 |
| Core capital (leverage) ratio | 14.4399% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7153% | 261 |
| Memoranda: | ||
| Average total assets | $382,336,000 | 2,066 |
| Average earning assets | $363,501,500 | 2,031 |
| Average equity | $49,546,500 | 1,608 |
| Average total loans | $290,614,750 | 1,828 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2444% | 4,483 |
| Cost of funding earning assets | 0.9596% | 2,736 |
| Net interest margin | 2.2847% | 4,374 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.1988% | 3,081 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.0881% | 4,371 |
| Return on assets (ROA) | 0.0881% | 4,407 |
| Pretax return on assets | 0.1933% | 4,329 |
| Return on Equity (ROE) | 0.6900% | 4,393 |
| Retained earnings to average equity (ytd only) | 0.6858% | 3,961 |
| Net charge-offs to loans | 0.0256% | 1,375 |
| Credit loss provision to net charge-offs | -62.1622% | 4,533 |
| Earnings coverage of net charge-offs (x) | 11.1622% | 1,974 |
| Efficiency ratio | 91.1297% | 324 |
| Assets per employee ($millions) | 5.7956% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3924% | 4,443 |
| Loan loss allowance to noncurrent loans | 157.9972% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 2,176 |
| Noncurrent loans to loans | 0.2484% | 2,268 |
| Net loans and leases to total assets | 75.3900% | 1,114 |
| Net loans and leases to deposits | 89.5454% | 1,219 |
| Net loans and leases to core deposits | 95.0865% | 1,513 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 12.9825% | 817 |
| Core capital (leverage) ratio | 14.3677% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0218% | 241 |
| Memoranda: | ||
| Average total assets | $385,945,333 | 2,059 |
| Average earning assets | $367,220,333 | 2,023 |
| Average equity | $49,575,667 | 1,607 |
| Average total loans | $289,600,000 | 1,824 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2224% | 4,477 |
| Cost of funding earning assets | 0.8509% | 2,533 |
| Net interest margin | 2.3716% | 4,402 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2194% | 3,045 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.1104% | 4,426 |
| Return on assets (ROA) | 0.1104% | 4,398 |
| Pretax return on assets | 0.2435% | 4,302 |
| Return on Equity (ROE) | 0.8600% | 4,392 |
| Retained earnings to average equity (ytd only) | 0.8641% | 3,889 |
| Net charge-offs to loans | 0.0511% | 852 |
| Credit loss provision to net charge-offs | -94.5946% | 4,590 |
| Earnings coverage of net charge-offs (x) | 7.1351% | 1,764 |
| Efficiency ratio | 89.0683% | 385 |
| Assets per employee ($millions) | 5.5411% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 4,503 |
| Loan loss allowance to noncurrent loans | 130.8498% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 1,932 |
| Noncurrent loans to loans | 0.2966% | 2,082 |
| Net loans and leases to total assets | 74.3800% | 1,148 |
| Net loans and leases to deposits | 85.8958% | 1,357 |
| Net loans and leases to core deposits | 91.4770% | 1,529 |
| Total domestic deposits to total assets | 86.6000% | 2,409 |
| Equity capital to assets | 12.9178% | 773 |
| Core capital (leverage) ratio | 14.0907% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7896% | 250 |
| Memoranda: | ||
| Average total assets | $387,664,500 | 2,074 |
| Average earning assets | $369,040,000 | 2,042 |
| Average equity | $49,534,000 | 1,624 |
| Average total loans | $289,650,000 | 1,838 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 4,156 |
| Cost of funding earning assets | 0.2511% | 3,312 |
| Net interest margin | 2.7300% | 4,012 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2517% | 2,888 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5178% | 4,062 |
| Return on assets (ROA) | 0.4650% | 4,104 |
| Pretax return on assets | 0.5689% | 4,079 |
| Return on Equity (ROE) | 3.6200% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.6208% | 3,536 |
| Net charge-offs to loans | 0.0064% | 2,177 |
| Credit loss provision to net charge-offs | 583.3333% | 618 |
| Earnings coverage of net charge-offs (x) | 143.6111% | 809 |
| Efficiency ratio | 77.3305% | 899 |
| Assets per employee ($millions) | 5.5351% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4125% | 4,492 |
| Loan loss allowance to noncurrent loans | 129.6095% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 1,940 |
| Noncurrent loans to loans | 0.3183% | 2,009 |
| Net loans and leases to total assets | 74.4500% | 1,182 |
| Net loans and leases to deposits | 85.6607% | 1,341 |
| Net loans and leases to core deposits | 90.1466% | 1,494 |
| Total domestic deposits to total assets | 86.9200% | 2,413 |
| Equity capital to assets | 12.6371% | 778 |
| Core capital (leverage) ratio | 14.3427% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5580% | 227 |
| Memoranda: | ||
| Average total assets | $391,609,000 | 2,053 |
| Average earning assets | $373,144,200 | 2,016 |
| Average equity | $50,293,000 | 1,614 |
| Average total loans | $281,210,400 | 1,806 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 3,993 |
| Cost of funding earning assets | 0.2130% | 3,114 |
| Net interest margin | 2.7317% | 3,867 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2133% | 2,896 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5576% | 3,951 |
| Return on assets (ROA) | 0.5576% | 3,895 |
| Pretax return on assets | 0.6900% | 3,820 |
| Return on Equity (ROE) | 4.3200% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.3245% | 3,342 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.4224% | 1,125 |
| Assets per employee ($millions) | 5.5032% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4198% | 4,531 |
| Loan loss allowance to noncurrent loans | 107.5269% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 1,794 |
| Noncurrent loans to loans | 0.3904% | 1,836 |
| Net loans and leases to total assets | 73.9000% | 1,108 |
| Net loans and leases to deposits | 84.8501% | 1,245 |
| Net loans and leases to core deposits | 88.5059% | 1,389 |
| Total domestic deposits to total assets | 87.0900% | 2,732 |
| Equity capital to assets | 12.5055% | 771 |
| Core capital (leverage) ratio | 14.0397% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8519% | 238 |
| Memoranda: | ||
| Average total assets | $392,647,750 | 2,070 |
| Average earning assets | $374,261,250 | 2,030 |
| Average equity | $50,625,500 | 1,637 |
| Average total loans | $279,096,750 | 1,814 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8742% | 3,843 |
| Cost of funding earning assets | 0.2075% | 2,817 |
| Net interest margin | 2.6668% | 3,779 |
| Noninterest income to average assets | 0.3786% | 2,882 |
| Noninterest expense to average assets | 2.1856% | 2,904 |
| Loan and lease loss provision to assets | 0.0400% | 1,865 |
| Net operating income to assets | 0.5649% | 3,719 |
| Return on assets (ROA) | 0.5649% | 3,667 |
| Pretax return on assets | 0.6970% | 3,582 |
| Return on Equity (ROE) | 4.3388% | 3,953 |
| Retained earnings to average equity (ytd only) | 4.3388% | 2,953 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7835% | 1,414 |
| Assets per employee ($millions) | 5.4102% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 4,605 |
| Loan loss allowance to noncurrent loans | 127.2240% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 2,139 |
| Noncurrent loans to loans | 0.3314% | 2,147 |
| Net loans and leases to total assets | 70.9777% | 1,203 |
| Net loans and leases to deposits | 81.6477% | 1,271 |
| Net loans and leases to core deposits | 84.7031% | 1,411 |
| Total domestic deposits to total assets | 86.9317% | 2,959 |
| Equity capital to assets | 12.7133% | 720 |
| Core capital (leverage) ratio | 13.8399% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8105% | 212 |
| Memoranda: | ||
| Average total assets | $395,123,333 | 2,073 |
| Average earning assets | $376,937,000 | 2,037 |
| Average equity | $51,442,667 | 1,644 |
| Average total loans | $276,838,000 | 1,819 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8269% | 3,696 |
| Cost of funding earning assets | 0.2068% | 2,700 |
| Net interest margin | 2.6201% | 3,611 |
| Noninterest income to average assets | 0.5283% | 2,002 |
| Noninterest expense to average assets | 2.1659% | 2,931 |
| Loan and lease loss provision to assets | 0.0405% | 1,628 |
| Net operating income to assets | 0.6690% | 3,164 |
| Return on assets (ROA) | 0.6690% | 3,148 |
| Pretax return on assets | 0.8229% | 3,034 |
| Return on Equity (ROE) | 5.0789% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.0789% | 2,563 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5002% | 2,044 |
| Assets per employee ($millions) | 5.7233% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4172% | 4,637 |
| Loan loss allowance to noncurrent loans | 160.4749% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,530 |
| Noncurrent loans to loans | 0.2600% | 2,546 |
| Net loans and leases to total assets | 69.4455% | 1,068 |
| Net loans and leases to deposits | 80.0945% | 1,141 |
| Net loans and leases to core deposits | 83.2979% | 1,281 |
| Total domestic deposits to total assets | 86.7045% | 3,035 |
| Equity capital to assets | 12.8901% | 714 |
| Core capital (leverage) ratio | 13.7449% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0223% | 205 |
| Memoranda: | ||
| Average total assets | $395,211,000 | 2,074 |
| Average earning assets | $377,230,500 | 2,039 |
| Average equity | $52,058,500 | 1,677 |
| Average total loans | $274,501,000 | 1,818 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9370% | 3,986 |
| Cost of funding earning assets | 0.2696% | 2,706 |
| Net interest margin | 2.6674% | 3,933 |
| Noninterest income to average assets | 0.2994% | 3,607 |
| Noninterest expense to average assets | 2.2179% | 3,018 |
| Loan and lease loss provision to assets | 0.0057% | 2,960 |
| Net operating income to assets | 0.4992% | 4,086 |
| Return on assets (ROA) | 0.4992% | 4,130 |
| Pretax return on assets | 0.6191% | 4,077 |
| Return on Equity (ROE) | 3.6153% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.6153% | 3,374 |
| Net charge-offs to loans | 0.0128% | 2,085 |
| Credit loss provision to net charge-offs | 62.8571% | 2,050 |
| Earnings coverage of net charge-offs (x) | 68.3429% | 1,094 |
| Efficiency ratio | 78.0187% | 944 |
| Assets per employee ($millions) | 5.7321% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4050% | 4,681 |
| Loan loss allowance to noncurrent loans | 207.8799% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 2,166 |
| Noncurrent loans to loans | 0.1948% | 2,977 |
| Net loans and leases to total assets | 68.8974% | 1,160 |
| Net loans and leases to deposits | 80.0792% | 1,208 |
| Net loans and leases to core deposits | 83.9626% | 1,333 |
| Total domestic deposits to total assets | 86.0367% | 2,891 |
| Equity capital to assets | 13.4541% | 781 |
| Core capital (leverage) ratio | 13.7162% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6271% | 224 |
| Memoranda: | ||
| Average total assets | $382,799,600 | 2,052 |
| Average earning assets | $364,995,800 | 2,021 |
| Average equity | $52,858,600 | 1,680 |
| Average total loans | $272,397,400 | 1,826 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 4,063 |
| Cost of funding earning assets | 0.2808% | 2,789 |
| Net interest margin | 2.6849% | 4,005 |
| Noninterest income to average assets | 0.3126% | 3,559 |
| Noninterest expense to average assets | 2.2517% | 2,887 |
| Loan and lease loss provision to assets | 0.0008% | 2,951 |
| Net operating income to assets | 0.4980% | 4,210 |
| Return on assets (ROA) | 0.4980% | 4,256 |
| Pretax return on assets | 0.6192% | 4,208 |
| Return on Equity (ROE) | 3.5828% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.5828% | 3,719 |
| Net charge-offs to loans | 0.0162% | 1,750 |
| Credit loss provision to net charge-offs | 6.0606% | 2,034 |
| Earnings coverage of net charge-offs (x) | 53.4848% | 1,202 |
| Efficiency ratio | 78.4124% | 844 |
| Assets per employee ($millions) | 5.7770% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3997% | 4,763 |
| Loan loss allowance to noncurrent loans | 98.8225% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 2,111 |
| Noncurrent loans to loans | 0.4045% | 2,347 |
| Net loans and leases to total assets | 69.2048% | 1,165 |
| Net loans and leases to deposits | 80.6282% | 1,230 |
| Net loans and leases to core deposits | 84.8093% | 1,365 |
| Total domestic deposits to total assets | 85.8320% | 2,808 |
| Equity capital to assets | 13.5868% | 829 |
| Core capital (leverage) ratio | 13.6745% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6586% | 235 |
| Memoranda: | ||
| Average total assets | $379,621,000 | 2,082 |
| Average earning assets | $361,823,250 | 2,054 |
| Average equity | $52,770,000 | 1,705 |
| Average total loans | $272,095,000 | 1,859 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 4,033 |
| Cost of funding earning assets | 0.2882% | 2,892 |
| Net interest margin | 2.7198% | 3,943 |
| Noninterest income to average assets | 0.3433% | 3,391 |
| Noninterest expense to average assets | 2.3059% | 2,757 |
| Loan and lease loss provision to assets | -0.0016% | 4,378 |
| Net operating income to assets | 0.5074% | 4,206 |
| Return on assets (ROA) | 0.5074% | 4,250 |
| Pretax return on assets | 0.6300% | 4,191 |
| Return on Equity (ROE) | 3.6219% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.6219% | 3,642 |
| Net charge-offs to loans | 0.0125% | 1,703 |
| Credit loss provision to net charge-offs | -17.6471% | 2,918 |
| Earnings coverage of net charge-offs (x) | 69.3529% | 901 |
| Efficiency ratio | 78.5831% | 881 |
| Assets per employee ($millions) | 5.6375% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4078% | 4,790 |
| Loan loss allowance to noncurrent loans | 78.1405% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 2,135 |
| Noncurrent loans to loans | 0.5218% | 2,112 |
| Net loans and leases to total assets | 70.1483% | 1,177 |
| Net loans and leases to deposits | 81.9231% | 1,232 |
| Net loans and leases to core deposits | 85.9337% | 1,422 |
| Total domestic deposits to total assets | 85.6270% | 2,863 |
| Equity capital to assets | 13.8296% | 753 |
| Core capital (leverage) ratio | 13.9297% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6984% | 233 |
| Memoranda: | ||
| Average total assets | $375,215,667 | 2,093 |
| Average earning assets | $357,450,333 | 2,063 |
| Average equity | $52,568,667 | 1,703 |
| Average total loans | $271,809,000 | 1,875 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0737% | 3,940 |
| Cost of funding earning assets | 0.2990% | 3,004 |
| Net interest margin | 2.7747% | 3,821 |
| Noninterest income to average assets | 0.2910% | 3,670 |
| Noninterest expense to average assets | 2.3376% | 2,681 |
| Loan and lease loss provision to assets | -0.0162% | 4,596 |
| Net operating income to assets | 0.4914% | 4,189 |
| Return on assets (ROA) | 0.4914% | 4,229 |
| Pretax return on assets | 0.6100% | 4,181 |
| Return on Equity (ROE) | 3.4846% | 4,374 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,639 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7426% | 837 |
| Assets per employee ($millions) | 5.4690% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 4,822 |
| Loan loss allowance to noncurrent loans | 108.9567% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 2,395 |
| Noncurrent loans to loans | 0.3776% | 2,744 |
| Net loans and leases to total assets | 71.0016% | 1,153 |
| Net loans and leases to deposits | 82.9557% | 1,250 |
| Net loans and leases to core deposits | 87.0794% | 1,447 |
| Total domestic deposits to total assets | 85.5898% | 2,896 |
| Equity capital to assets | 13.8515% | 702 |
| Core capital (leverage) ratio | 14.2073% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4394% | 247 |
| Memoranda: | ||
| Average total assets | $371,147,500 | 2,103 |
| Average earning assets | $353,195,000 | 2,063 |
| Average equity | $52,345,000 | 1,701 |
| Average total loans | $272,705,500 | 1,866 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 3,995 |
| Cost of funding earning assets | 0.4959% | 2,976 |
| Net interest margin | 3.0220% | 3,842 |
| Noninterest income to average assets | 0.3184% | 3,557 |
| Noninterest expense to average assets | 2.4885% | 2,889 |
| Loan and lease loss provision to assets | 0.1108% | 2,961 |
| Net operating income to assets | 0.4741% | 4,084 |
| Return on assets (ROA) | 0.4741% | 4,167 |
| Pretax return on assets | 0.5793% | 4,123 |
| Return on Equity (ROE) | 3.1079% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.1079% | 3,290 |
| Net charge-offs to loans | -0.0087% | 4,231 |
| Credit loss provision to net charge-offs | -1,626.0870% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2913% | 1,015 |
| Assets per employee ($millions) | 5.2134% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4056% | 4,854 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,223 |
| Noncurrent loans to loans | 0.4910% | 2,496 |
| Net loans and leases to total assets | 75.4247% | 853 |
| Net loans and leases to deposits | 88.7595% | 1,019 |
| Net loans and leases to core deposits | 93.4480% | 1,277 |
| Total domestic deposits to total assets | 84.9765% | 2,771 |
| Equity capital to assets | 14.3642% | 713 |
| Core capital (leverage) ratio | 14.5477% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1069% | 243 |
| Memoranda: | ||
| Average total assets | $337,676,400 | 2,107 |
| Average earning assets | $319,590,000 | 2,080 |
| Average equity | $51,513,600 | 1,647 |
| Average total loans | $265,647,800 | 1,851 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,001 |
| Cost of funding earning assets | 0.5422% | 2,978 |
| Net interest margin | 3.0617% | 3,835 |
| Noninterest income to average assets | 0.3244% | 3,545 |
| Noninterest expense to average assets | 2.5255% | 2,760 |
| Loan and lease loss provision to assets | 0.1342% | 2,673 |
| Net operating income to assets | 0.4469% | 4,174 |
| Return on assets (ROA) | 0.4469% | 4,240 |
| Pretax return on assets | 0.5593% | 4,175 |
| Return on Equity (ROE) | 2.8830% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.8830% | 3,563 |
| Net charge-offs to loans | -0.0122% | 4,273 |
| Credit loss provision to net charge-offs | -1,387.5000% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4552% | 986 |
| Assets per employee ($millions) | 5.0983% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3938% | 4,889 |
| Loan loss allowance to noncurrent loans | 74.3978% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 2,341 |
| Noncurrent loans to loans | 0.5293% | 2,478 |
| Net loans and leases to total assets | 77.7337% | 866 |
| Net loans and leases to deposits | 92.0017% | 1,072 |
| Net loans and leases to core deposits | 96.3833% | 1,424 |
| Total domestic deposits to total assets | 84.4915% | 2,636 |
| Equity capital to assets | 14.7782% | 684 |
| Core capital (leverage) ratio | 14.9669% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2775% | 253 |
| Memoranda: | ||
| Average total assets | $330,861,500 | 2,115 |
| Average earning assets | $312,799,250 | 2,091 |
| Average equity | $51,287,000 | 1,642 |
| Average total loans | $262,966,500 | 1,847 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,151 |
| Cost of funding earning assets | 0.5992% | 2,968 |
| Net interest margin | 3.0648% | 3,982 |
| Noninterest income to average assets | 0.3106% | 3,602 |
| Noninterest expense to average assets | 2.5873% | 2,706 |
| Loan and lease loss provision to assets | 0.1599% | 2,402 |
| Net operating income to assets | 0.3625% | 4,309 |
| Return on assets (ROA) | 0.3625% | 4,366 |
| Pretax return on assets | 0.4563% | 4,323 |
| Return on Equity (ROE) | 2.2995% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.2995% | 3,638 |
| Net charge-offs to loans | 0.0401% | 1,945 |
| Credit loss provision to net charge-offs | 498.0769% | 1,240 |
| Earnings coverage of net charge-offs (x) | 19.1923% | 1,735 |
| Efficiency ratio | 80.7633% | 834 |
| Assets per employee ($millions) | 4.8679% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3472% | 4,936 |
| Loan loss allowance to noncurrent loans | 71.8581% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,520 |
| Noncurrent loans to loans | 0.4831% | 2,700 |
| Net loans and leases to total assets | 79.6468% | 632 |
| Net loans and leases to deposits | 94.8986% | 883 |
| Net loans and leases to core deposits | 98.3266% | 1,391 |
| Total domestic deposits to total assets | 83.9283% | 2,771 |
| Equity capital to assets | 15.3345% | 564 |
| Core capital (leverage) ratio | 15.5897% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7690% | 244 |
| Memoranda: | ||
| Average total assets | $323,888,000 | 2,125 |
| Average earning assets | $305,728,000 | 2,101 |
| Average equity | $51,053,667 | 1,638 |
| Average total loans | $259,110,667 | 1,851 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,260 |
| Cost of funding earning assets | 0.6624% | 3,103 |
| Net interest margin | 3.1185% | 4,052 |
| Noninterest income to average assets | 0.3121% | 3,644 |
| Noninterest expense to average assets | 2.7494% | 2,581 |
| Loan and lease loss provision to assets | 0.2038% | 1,496 |
| Net operating income to assets | 0.2278% | 4,480 |
| Return on assets (ROA) | 0.2278% | 4,503 |
| Pretax return on assets | 0.2970% | 4,460 |
| Return on Equity (ROE) | 1.4244% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.4244% | 3,625 |
| Net charge-offs to loans | 0.0817% | 1,212 |
| Credit loss provision to net charge-offs | 311.5385% | 1,151 |
| Earnings coverage of net charge-offs (x) | 7.6538% | 1,906 |
| Efficiency ratio | 84.5916% | 793 |
| Assets per employee ($millions) | 4.2902% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3266% | 4,978 |
| Loan loss allowance to noncurrent loans | 63.1619% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 2,517 |
| Noncurrent loans to loans | 0.5172% | 2,713 |
| Net loans and leases to total assets | 80.2560% | 666 |
| Net loans and leases to deposits | 96.3975% | 871 |
| Net loans and leases to core deposits | 100.6117% | 1,426 |
| Total domestic deposits to total assets | 83.2552% | 3,026 |
| Equity capital to assets | 16.0250% | 577 |
| Core capital (leverage) ratio | 15.9223% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0142% | 246 |
| Memoranda: | ||
| Average total assets | $317,890,500 | 2,106 |
| Average earning assets | $299,504,000 | 2,078 |
| Average equity | $50,827,500 | 1,640 |
| Average total loans | $254,440,000 | 1,831 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,613 |
| Cost of funding earning assets | 0.7344% | 3,000 |
| Net interest margin | 3.0321% | 4,479 |
| Noninterest income to average assets | 0.3142% | 3,812 |
| Noninterest expense to average assets | 2.6562% | 3,009 |
| Loan and lease loss provision to assets | 0.0205% | 3,610 |
| Net operating income to assets | 0.4054% | 4,585 |
| Return on assets (ROA) | 0.4054% | 4,619 |
| Pretax return on assets | 0.5025% | 4,574 |
| Return on Equity (ROE) | 2.6499% | 4,718 |
| Retained earnings to average equity (ytd only) | 2.6499% | 3,711 |
| Net charge-offs to loans | 0.0131% | 3,222 |
| Credit loss provision to net charge-offs | 203.0303% | 1,309 |
| Earnings coverage of net charge-offs (x) | 51.7576% | 1,102 |
| Efficiency ratio | 83.5484% | 688 |
| Assets per employee ($millions) | 4.3014% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 5,048 |
| Loan loss allowance to noncurrent loans | 61.7021% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 2,615 |
| Noncurrent loans to loans | 0.4640% | 2,785 |
| Net loans and leases to total assets | 79.3348% | 883 |
| Net loans and leases to deposits | 95.2073% | 1,027 |
| Net loans and leases to core deposits | 99.2099% | 1,630 |
| Total domestic deposits to total assets | 83.3285% | 3,092 |
| Equity capital to assets | 15.9530% | 614 |
| Core capital (leverage) ratio | 15.9110% | 535 |
| Tier 1 risk-based capital ratio | 31.6788% | 428 |
| Total risk-based capital ratio | 32.1341% | 438 |
| Memoranda: | ||
| Average total assets | $326,552,200 | 2,003 |
| Average earning assets | $308,560,000 | 1,973 |
| Average equity | $49,964,400 | 1,603 |
| Average total loans | $252,234,800 | 1,814 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,703 |
| Cost of funding earning assets | 0.7445% | 2,993 |
| Net interest margin | 3.0267% | 4,591 |
| Noninterest income to average assets | 0.3148% | 3,869 |
| Noninterest expense to average assets | 2.6766% | 2,925 |
| Loan and lease loss provision to assets | 0.0142% | 3,622 |
| Net operating income to assets | 0.3932% | 4,734 |
| Return on assets (ROA) | 0.3932% | 4,760 |
| Pretax return on assets | 0.4861% | 4,713 |
| Return on Equity (ROE) | 2.5964% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.5964% | 4,052 |
| Net charge-offs to loans | 0.0079% | 3,093 |
| Credit loss provision to net charge-offs | 233.3333% | 1,154 |
| Earnings coverage of net charge-offs (x) | 82.1980% | 849 |
| Efficiency ratio | 84.2529% | 596 |
| Assets per employee ($millions) | 4.2733% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2860% | 5,122 |
| Loan loss allowance to noncurrent loans | 103.9474% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,462 |
| Noncurrent loans to loans | 0.2751% | 3,553 |
| Net loans and leases to total assets | 77.3457% | 1,256 |
| Net loans and leases to deposits | 92.7275% | 1,348 |
| Net loans and leases to core deposits | 96.5842% | 1,953 |
| Total domestic deposits to total assets | 83.4119% | 3,019 |
| Equity capital to assets | 15.7423% | 689 |
| Core capital (leverage) ratio | 15.4802% | 647 |
| Tier 1 risk-based capital ratio | 32.1872% | 422 |
| Total risk-based capital ratio | 32.6441% | 435 |
| Memoranda: | ||
| Average total assets | $328,614,500 | 2,002 |
| Average earning assets | $310,734,000 | 1,967 |
| Average equity | $49,760,750 | 1,608 |
| Average total loans | $251,981,000 | 1,829 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,761 |
| Cost of funding earning assets | 0.7576% | 2,859 |
| Net interest margin | 3.0016% | 4,684 |
| Noninterest income to average assets | 0.3181% | 3,801 |
| Noninterest expense to average assets | 2.6844% | 2,955 |
| Loan and lease loss provision to assets | 0.0078% | 3,579 |
| Net operating income to assets | 0.3809% | 4,761 |
| Return on assets (ROA) | 0.3809% | 4,783 |
| Pretax return on assets | 0.4648% | 4,750 |
| Return on Equity (ROE) | 2.5480% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.5480% | 3,924 |
| Net charge-offs to loans | 0.0119% | 2,714 |
| Credit loss provision to net charge-offs | 86.6667% | 2,165 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 1,062 |
| Efficiency ratio | 85.0287% | 595 |
| Assets per employee ($millions) | 4.3844% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2733% | 5,191 |
| Loan loss allowance to noncurrent loans | 120.7018% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 3,602 |
| Noncurrent loans to loans | 0.2265% | 3,729 |
| Net loans and leases to total assets | 76.3338% | 1,502 |
| Net loans and leases to deposits | 90.8752% | 1,647 |
| Net loans and leases to core deposits | 94.4943% | 2,210 |
| Total domestic deposits to total assets | 83.9985% | 2,866 |
| Equity capital to assets | 15.2354% | 758 |
| Core capital (leverage) ratio | 15.0104% | 701 |
| Tier 1 risk-based capital ratio | 31.4411% | 437 |
| Total risk-based capital ratio | 31.8759% | 456 |
| Memoranda: | ||
| Average total assets | $331,319,330 | 1,998 |
| Average earning assets | $313,362,330 | 1,967 |
| Average equity | $49,529,670 | 1,607 |
| Average total loans | $253,106,670 | 1,830 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,768 |
| Cost of funding earning assets | 0.7451% | 2,811 |
| Net interest margin | 3.0120% | 4,733 |
| Noninterest income to average assets | 0.2550% | 4,183 |
| Noninterest expense to average assets | 2.7243% | 2,832 |
| Loan and lease loss provision to assets | -0.0060% | 5,200 |
| Net operating income to assets | 0.3163% | 4,875 |
| Return on assets (ROA) | 0.3163% | 4,882 |
| Pretax return on assets | 0.3861% | 4,855 |
| Return on Equity (ROE) | 2.1363% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.1363% | 4,034 |
| Net charge-offs to loans | -0.0016% | 3,835 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7567% | 500 |
| Assets per employee ($millions) | 4.5276% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2706% | 5,259 |
| Loan loss allowance to noncurrent loans | 77.2266% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,201 |
| Noncurrent loans to loans | 0.3504% | 3,326 |
| Net loans and leases to total assets | 75.3444% | 1,588 |
| Net loans and leases to deposits | 89.1416% | 1,741 |
| Net loans and leases to core deposits | 92.4633% | 2,259 |
| Total domestic deposits to total assets | 84.5221% | 2,842 |
| Equity capital to assets | 14.7640% | 801 |
| Core capital (leverage) ratio | 14.8252% | 736 |
| Tier 1 risk-based capital ratio | 30.7656% | 450 |
| Total risk-based capital ratio | 31.1924% | 468 |
| Memoranda: | ||
| Average total assets | $332,563,000 | 2,008 |
| Average earning assets | $314,607,500 | 1,979 |
| Average equity | $49,245,000 | 1,599 |
| Average total loans | $253,811,000 | 1,839 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 4,700 |
| Cost of funding earning assets | 0.5668% | 2,946 |
| Net interest margin | 3.1080% | 4,642 |
| Noninterest income to average assets | 0.2824% | 4,207 |
| Noninterest expense to average assets | 2.5918% | 3,362 |
| Loan and lease loss provision to assets | 0.0545% | 3,080 |
| Net operating income to assets | 0.4758% | 4,715 |
| Return on assets (ROA) | 0.4758% | 4,717 |
| Pretax return on assets | 0.5739% | 4,677 |
| Return on Equity (ROE) | 3.2610% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.2610% | 3,773 |
| Net charge-offs to loans | 0.0899% | 1,883 |
| Credit loss provision to net charge-offs | 79.2952% | 2,876 |
| Earnings coverage of net charge-offs (x) | 9.1454% | 2,835 |
| Efficiency ratio | 80.4869% | 916 |
| Assets per employee ($millions) | 4.4012% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2711% | 5,297 |
| Loan loss allowance to noncurrent loans | 56.8838% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 2,516 |
| Noncurrent loans to loans | 0.4766% | 2,843 |
| Net loans and leases to total assets | 76.8931% | 1,456 |
| Net loans and leases to deposits | 91.0465% | 1,660 |
| Net loans and leases to core deposits | 94.8029% | 2,156 |
| Total domestic deposits to total assets | 84.4547% | 2,849 |
| Equity capital to assets | 14.8521% | 743 |
| Core capital (leverage) ratio | 14.9692% | 703 |
| Tier 1 risk-based capital ratio | 30.4065% | 460 |
| Total risk-based capital ratio | 30.8336% | 474 |
| Memoranda: | ||
| Average total assets | $330,388,800 | 1,991 |
| Average earning assets | $312,293,000 | 1,959 |
| Average equity | $48,206,600 | 1,565 |
| Average total loans | $252,556,000 | 1,809 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,719 |
| Cost of funding earning assets | 0.5306% | 2,991 |
| Net interest margin | 3.1248% | 4,665 |
| Noninterest income to average assets | 0.2881% | 4,231 |
| Noninterest expense to average assets | 2.5511% | 3,437 |
| Loan and lease loss provision to assets | 0.0775% | 2,408 |
| Net operating income to assets | 0.4963% | 4,767 |
| Return on assets (ROA) | 0.4963% | 4,772 |
| Pretax return on assets | 0.6129% | 4,708 |
| Return on Equity (ROE) | 3.4164% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.4164% | 4,056 |
| Net charge-offs to loans | 0.1053% | 1,436 |
| Credit loss provision to net charge-offs | 96.4824% | 2,345 |
| Earnings coverage of net charge-offs (x) | 8.5979% | 2,691 |
| Efficiency ratio | 78.7030% | 1,056 |
| Assets per employee ($millions) | 4.5187% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2899% | 5,358 |
| Loan loss allowance to noncurrent loans | 39.7603% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 2,453 |
| Noncurrent loans to loans | 0.7292% | 2,257 |
| Net loans and leases to total assets | 76.1114% | 1,646 |
| Net loans and leases to deposits | 90.0892% | 1,886 |
| Net loans and leases to core deposits | 93.7983% | 2,307 |
| Total domestic deposits to total assets | 84.4844% | 2,793 |
| Equity capital to assets | 14.6813% | 789 |
| Core capital (leverage) ratio | 14.7773% | 763 |
| Tier 1 risk-based capital ratio | 30.2867% | 466 |
| Total risk-based capital ratio | 30.7399% | 493 |
| Memoranda: | ||
| Average total assets | $330,464,250 | 1,997 |
| Average earning assets | $312,331,250 | 1,969 |
| Average equity | $48,002,000 | 1,568 |
| Average total loans | $252,069,000 | 1,818 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 4,709 |
| Cost of funding earning assets | 0.4908% | 3,079 |
| Net interest margin | 3.1422% | 4,638 |
| Noninterest income to average assets | 0.2782% | 4,327 |
| Noninterest expense to average assets | 2.5331% | 3,543 |
| Loan and lease loss provision to assets | 0.0677% | 2,528 |
| Net operating income to assets | 0.5232% | 4,693 |
| Return on assets (ROA) | 0.5232% | 4,699 |
| Pretax return on assets | 0.6478% | 4,645 |
| Return on Equity (ROE) | 3.6147% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.6147% | 3,786 |
| Net charge-offs to loans | 0.1102% | 1,271 |
| Credit loss provision to net charge-offs | 80.5755% | 2,250 |
| Earnings coverage of net charge-offs (x) | 8.5108% | 2,469 |
| Efficiency ratio | 77.9743% | 1,200 |
| Assets per employee ($millions) | 4.5692% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2826% | 5,425 |
| Loan loss allowance to noncurrent loans | 44.6328% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 2,582 |
| Noncurrent loans to loans | 0.6331% | 2,527 |
| Net loans and leases to total assets | 76.2714% | 1,589 |
| Net loans and leases to deposits | 90.1102% | 1,827 |
| Net loans and leases to core deposits | 93.5340% | 2,262 |
| Total domestic deposits to total assets | 84.6424% | 2,823 |
| Equity capital to assets | 14.6400% | 772 |
| Core capital (leverage) ratio | 14.7634% | 723 |
| Tier 1 risk-based capital ratio | 30.0637% | 472 |
| Total risk-based capital ratio | 30.5052% | 501 |
| Memoranda: | ||
| Average total assets | $330,663,000 | 2,006 |
| Average earning assets | $312,581,000 | 1,975 |
| Average equity | $47,859,670 | 1,576 |
| Average total loans | $252,159,670 | 1,829 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,667 |
| Cost of funding earning assets | 0.4826% | 2,934 |
| Net interest margin | 3.1344% | 4,630 |
| Noninterest income to average assets | 0.2534% | 4,492 |
| Noninterest expense to average assets | 2.4929% | 3,672 |
| Loan and lease loss provision to assets | -0.0181% | 5,424 |
| Net operating income to assets | 0.5973% | 4,435 |
| Return on assets (ROA) | 0.5973% | 4,443 |
| Pretax return on assets | 0.7409% | 4,321 |
| Return on Equity (ROE) | 4.1502% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.1502% | 3,536 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5235% | 1,403 |
| Assets per employee ($millions) | 4.2420% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2865% | 5,491 |
| Loan loss allowance to noncurrent loans | 47.3443% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,590 |
| Noncurrent loans to loans | 0.6051% | 2,736 |
| Net loans and leases to total assets | 75.9546% | 1,550 |
| Net loans and leases to deposits | 89.5621% | 1,741 |
| Net loans and leases to core deposits | 92.8255% | 2,233 |
| Total domestic deposits to total assets | 84.8066% | 3,004 |
| Equity capital to assets | 14.4626% | 783 |
| Core capital (leverage) ratio | 14.5195% | 756 |
| Tier 1 risk-based capital ratio | 29.9110% | 476 |
| Total risk-based capital ratio | 30.3605% | 509 |
| Memoranda: | ||
| Average total assets | $331,503,000 | 2,012 |
| Average earning assets | $313,301,500 | 1,985 |
| Average equity | $47,708,000 | 1,590 |
| Average total loans | $252,424,000 | 1,839 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 4,577 |
| Cost of funding earning assets | 0.4897% | 2,427 |
| Net interest margin | 3.1102% | 4,671 |
| Noninterest income to average assets | 0.2716% | 4,500 |
| Noninterest expense to average assets | 2.5103% | 3,748 |
| Loan and lease loss provision to assets | -0.0057% | 5,299 |
| Net operating income to assets | 0.5146% | 4,341 |
| Return on assets (ROA) | 0.5146% | 4,375 |
| Pretax return on assets | 0.7079% | 4,487 |
| Return on Equity (ROE) | 3.6968% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.6968% | 3,013 |
| Net charge-offs to loans | 0.0101% | 3,729 |
| Credit loss provision to net charge-offs | -73.0769% | 4,677 |
| Earnings coverage of net charge-offs (x) | 90.8077% | 692 |
| Efficiency ratio | 78.1409% | 1,327 |
| Assets per employee ($millions) | 4.4883% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2915% | 5,553 |
| Loan loss allowance to noncurrent loans | 68.1776% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 3,223 |
| Noncurrent loans to loans | 0.4276% | 3,253 |
| Net loans and leases to total assets | 75.8960% | 1,617 |
| Net loans and leases to deposits | 89.2917% | 1,857 |
| Net loans and leases to core deposits | 92.1849% | 2,366 |
| Total domestic deposits to total assets | 84.9978% | 2,837 |
| Equity capital to assets | 14.3205% | 832 |
| Core capital (leverage) ratio | 14.2907% | 774 |
| Tier 1 risk-based capital ratio | 29.4971% | 479 |
| Total risk-based capital ratio | 29.9543% | 508 |
| Memoranda: | ||
| Average total assets | $336,212,800 | 1,975 |
| Average earning assets | $317,923,200 | 1,944 |
| Average equity | $46,797,000 | 1,610 |
| Average total loans | $256,297,600 | 1,777 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,586 |
| Cost of funding earning assets | 0.4859% | 2,384 |
| Net interest margin | 3.1054% | 4,701 |
| Noninterest income to average assets | 0.2728% | 4,552 |
| Noninterest expense to average assets | 2.5260% | 3,646 |
| Loan and lease loss provision to assets | -0.0107% | 5,458 |
| Net operating income to assets | 0.4780% | 4,796 |
| Return on assets (ROA) | 0.4780% | 4,837 |
| Pretax return on assets | 0.6939% | 4,623 |
| Return on Equity (ROE) | 3.4587% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,865 |
| Net charge-offs to loans | 0.0104% | 3,355 |
| Credit loss provision to net charge-offs | -135.0000% | 4,556 |
| Earnings coverage of net charge-offs (x) | 86.3870% | 770 |
| Efficiency ratio | 78.7113% | 1,246 |
| Assets per employee ($millions) | 4.3583% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2868% | 5,624 |
| Loan loss allowance to noncurrent loans | 52.4625% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 3,030 |
| Noncurrent loans to loans | 0.5467% | 3,058 |
| Net loans and leases to total assets | 76.1415% | 1,571 |
| Net loans and leases to deposits | 89.4188% | 1,882 |
| Net loans and leases to core deposits | 92.4154% | 2,400 |
| Total domestic deposits to total assets | 85.1516% | 2,658 |
| Equity capital to assets | 14.0522% | 977 |
| Core capital (leverage) ratio | 13.9443% | 905 |
| Tier 1 risk-based capital ratio | 28.7642% | 532 |
| Total risk-based capital ratio | 29.2137% | 560 |
| Memoranda: | ||
| Average total assets | $337,233,000 | 1,986 |
| Average earning assets | $318,881,250 | 1,956 |
| Average equity | $46,605,500 | 1,632 |
| Average total loans | $257,169,000 | 1,783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 4,538 |
| Cost of funding earning assets | 0.4797% | 2,329 |
| Net interest margin | 3.1112% | 4,653 |
| Noninterest income to average assets | 0.2771% | 4,567 |
| Noninterest expense to average assets | 2.5330% | 3,641 |
| Loan and lease loss provision to assets | -0.0337% | 5,585 |
| Net operating income to assets | 0.4950% | 4,718 |
| Return on assets (ROA) | 0.4950% | 4,754 |
| Pretax return on assets | 0.7194% | 4,498 |
| Return on Equity (ROE) | 3.6018% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.6018% | 3,564 |
| Net charge-offs to loans | -0.0186% | 4,759 |
| Credit loss provision to net charge-offs | 237.5000% | 1,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6976% | 1,364 |
| Assets per employee ($millions) | 4.4154% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2920% | 5,671 |
| Loan loss allowance to noncurrent loans | 55.5308% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 3,208 |
| Noncurrent loans to loans | 0.5258% | 3,182 |
| Net loans and leases to total assets | 75.1298% | 1,673 |
| Net loans and leases to deposits | 87.8159% | 2,008 |
| Net loans and leases to core deposits | 90.8548% | 2,448 |
| Total domestic deposits to total assets | 85.5538% | 2,592 |
| Equity capital to assets | 13.7685% | 1,056 |
| Core capital (leverage) ratio | 13.8163% | 905 |
| Tier 1 risk-based capital ratio | 28.4324% | 527 |
| Total risk-based capital ratio | 28.8882% | 557 |
| Memoranda: | ||
| Average total assets | $337,780,330 | 1,990 |
| Average earning assets | $319,366,670 | 1,957 |
| Average equity | $46,421,330 | 1,630 |
| Average total loans | $257,472,330 | 1,782 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 4,406 |
| Cost of funding earning assets | 0.4740% | 2,318 |
| Net interest margin | 3.1317% | 4,557 |
| Noninterest income to average assets | 0.3101% | 4,333 |
| Noninterest expense to average assets | 2.4760% | 3,891 |
| Loan and lease loss provision to assets | -0.0345% | 5,695 |
| Net operating income to assets | 0.5643% | 4,310 |
| Return on assets (ROA) | 0.5643% | 4,354 |
| Pretax return on assets | 0.8281% | 4,009 |
| Return on Equity (ROE) | 4.1102% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.1102% | 3,404 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7267% | 1,953 |
| Assets per employee ($millions) | 4.4563% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2920% | 5,745 |
| Loan loss allowance to noncurrent loans | 46.6212% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 2,927 |
| Noncurrent loans to loans | 0.6262% | 2,947 |
| Net loans and leases to total assets | 75.8287% | 1,441 |
| Net loans and leases to deposits | 88.7559% | 1,700 |
| Net loans and leases to core deposits | 91.7151% | 2,192 |
| Total domestic deposits to total assets | 85.4352% | 2,909 |
| Equity capital to assets | 13.7198% | 998 |
| Core capital (leverage) ratio | 13.7803% | 898 |
| Tier 1 risk-based capital ratio | 28.0566% | 559 |
| Total risk-based capital ratio | 28.5123% | 594 |
| Memoranda: | ||
| Average total assets | $336,678,000 | 2,011 |
| Average earning assets | $318,163,000 | 1,976 |
| Average equity | $46,226,500 | 1,637 |
| Average total loans | $258,119,500 | 1,783 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,234 |
| Cost of funding earning assets | 0.4876% | 2,187 |
| Net interest margin | 3.2038% | 4,447 |
| Noninterest income to average assets | 0.2456% | 4,955 |
| Noninterest expense to average assets | 2.5403% | 3,874 |
| Loan and lease loss provision to assets | 0.0045% | 4,263 |
| Net operating income to assets | 0.5009% | 4,635 |
| Return on assets (ROA) | 0.5009% | 4,705 |
| Pretax return on assets | 0.7284% | 4,395 |
| Return on Equity (ROE) | 3.6607% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.6607% | 3,310 |
| Net charge-offs to loans | 0.0229% | 3,587 |
| Credit loss provision to net charge-offs | 25.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | 40.5333% | 1,162 |
| Efficiency ratio | 77.6080% | 1,756 |
| Assets per employee ($millions) | 4.2907% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3023% | 5,799 |
| Loan loss allowance to noncurrent loans | 40.2885% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 2,491 |
| Noncurrent loans to loans | 0.7504% | 2,654 |
| Net loans and leases to total assets | 77.0561% | 1,355 |
| Net loans and leases to deposits | 90.1215% | 1,669 |
| Net loans and leases to core deposits | 93.1522% | 2,196 |
| Total domestic deposits to total assets | 85.5024% | 2,830 |
| Equity capital to assets | 13.7407% | 972 |
| Core capital (leverage) ratio | 13.9540% | 828 |
| Tier 1 risk-based capital ratio | 27.5423% | 591 |
| Total risk-based capital ratio | 28.0124% | 624 |
| Memoranda: | ||
| Average total assets | $331,816,600 | 1,994 |
| Average earning assets | $313,561,000 | 1,952 |
| Average equity | $45,401,000 | 1,657 |
| Average total loans | $261,623,000 | 1,726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 4,205 |
| Cost of funding earning assets | 0.4943% | 2,134 |
| Net interest margin | 3.2203% | 4,427 |
| Noninterest income to average assets | 0.2392% | 5,045 |
| Noninterest expense to average assets | 2.5579% | 3,799 |
| Loan and lease loss provision to assets | -0.0085% | 5,645 |
| Net operating income to assets | 0.5074% | 4,671 |
| Return on assets (ROA) | 0.5074% | 4,770 |
| Pretax return on assets | 0.7333% | 4,517 |
| Return on Equity (ROE) | 3.7122% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.7122% | 3,666 |
| Net charge-offs to loans | 0.0117% | 3,530 |
| Credit loss provision to net charge-offs | -91.3043% | 4,745 |
| Earnings coverage of net charge-offs (x) | 78.2504% | 801 |
| Efficiency ratio | 77.9195% | 1,698 |
| Assets per employee ($millions) | 4.4719% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3018% | 5,858 |
| Loan loss allowance to noncurrent loans | 39.6360% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 2,645 |
| Noncurrent loans to loans | 0.7614% | 2,771 |
| Net loans and leases to total assets | 78.2679% | 1,148 |
| Net loans and leases to deposits | 91.7124% | 1,534 |
| Net loans and leases to core deposits | 94.7622% | 2,125 |
| Total domestic deposits to total assets | 85.3406% | 2,661 |
| Equity capital to assets | 13.8480% | 1,098 |
| Core capital (leverage) ratio | 13.7120% | 939 |
| Tier 1 risk-based capital ratio | 27.5337% | 610 |
| Total risk-based capital ratio | 28.0090% | 643 |
| Memoranda: | ||
| Average total assets | $331,101,500 | 2,003 |
| Average earning assets | $312,919,500 | 1,959 |
| Average equity | $45,254,500 | 1,666 |
| Average total loans | $262,361,000 | 1,722 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 4,223 |
| Cost of funding earning assets | 0.4969% | 2,123 |
| Net interest margin | 3.2237% | 4,472 |
| Noninterest income to average assets | 0.2530% | 4,960 |
| Noninterest expense to average assets | 2.5305% | 3,945 |
| Loan and lease loss provision to assets | -0.0193% | 5,782 |
| Net operating income to assets | 0.5369% | 4,535 |
| Return on assets (ROA) | 0.5369% | 4,645 |
| Pretax return on assets | 0.7899% | 4,321 |
| Return on Equity (ROE) | 3.9455% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,390 |
| Net charge-offs to loans | 0.0175% | 3,159 |
| Credit loss provision to net charge-offs | -139.1304% | 4,651 |
| Earnings coverage of net charge-offs (x) | 55.4783% | 924 |
| Efficiency ratio | 76.6557% | 1,985 |
| Assets per employee ($millions) | 4.3880% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2949% | 5,942 |
| Loan loss allowance to noncurrent loans | 57.3551% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 3,250 |
| Noncurrent loans to loans | 0.5141% | 3,542 |
| Net loans and leases to total assets | 79.3220% | 1,016 |
| Net loans and leases to deposits | 92.8891% | 1,408 |
| Net loans and leases to core deposits | 96.1447% | 1,965 |
| Total domestic deposits to total assets | 85.3942% | 2,691 |
| Equity capital to assets | 13.8382% | 1,079 |
| Core capital (leverage) ratio | 13.6610% | 924 |
| Tier 1 risk-based capital ratio | 27.1420% | 639 |
| Total risk-based capital ratio | 27.6071% | 686 |
| Memoranda: | ||
| Average total assets | $331,161,670 | 2,010 |
| Average earning assets | $313,121,000 | 1,970 |
| Average equity | $45,064,000 | 1,675 |
| Average total loans | $263,218,330 | 1,710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,383 |
| Cost of funding earning assets | 0.4960% | 2,141 |
| Net interest margin | 3.1849% | 4,626 |
| Noninterest income to average assets | 0.2493% | 4,955 |
| Noninterest expense to average assets | 2.4974% | 4,075 |
| Loan and lease loss provision to assets | -0.0048% | 5,874 |
| Net operating income to assets | 0.5407% | 4,465 |
| Return on assets (ROA) | 0.5407% | 4,569 |
| Pretax return on assets | 0.7718% | 4,292 |
| Return on Equity (ROE) | 4.0067% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.0067% | 3,484 |
| Net charge-offs to loans | 0.0227% | 2,480 |
| Credit loss provision to net charge-offs | -26.6667% | 4,106 |
| Earnings coverage of net charge-offs (x) | 42.4667% | 978 |
| Efficiency ratio | 76.5031% | 2,106 |
| Assets per employee ($millions) | 4.4260% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3071% | 6,003 |
| Loan loss allowance to noncurrent loans | 36.6606% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 2,650 |
| Noncurrent loans to loans | 0.8377% | 2,749 |
| Net loans and leases to total assets | 79.0130% | 949 |
| Net loans and leases to deposits | 92.2927% | 1,306 |
| Net loans and leases to core deposits | 95.5706% | 1,839 |
| Total domestic deposits to total assets | 85.6113% | 2,861 |
| Equity capital to assets | 13.5762% | 1,145 |
| Core capital (leverage) ratio | 13.4998% | 986 |
| Tier 1 risk-based capital ratio | 26.7206% | 689 |
| Total risk-based capital ratio | 27.2046% | 724 |
| Memoranda: | ||
| Average total assets | $332,191,000 | 2,010 |
| Average earning assets | $314,486,500 | 1,976 |
| Average equity | $44,825,000 | 1,682 |
| Average total loans | $263,916,000 | 1,700 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 4,031 |
| Cost of funding earning assets | 0.5109% | 2,063 |
| Net interest margin | 3.2927% | 4,318 |
| Noninterest income to average assets | 0.2235% | 5,261 |
| Noninterest expense to average assets | 2.4558% | 4,372 |
| Loan and lease loss provision to assets | 0.0579% | 3,157 |
| Net operating income to assets | 0.5691% | 4,424 |
| Return on assets (ROA) | 0.5691% | 4,513 |
| Pretax return on assets | 0.8362% | 4,084 |
| Return on Equity (ROE) | 4.2572% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.2572% | 2,954 |
| Net charge-offs to loans | 0.0526% | 3,147 |
| Credit loss provision to net charge-offs | 137.6812% | 1,902 |
| Earnings coverage of net charge-offs (x) | 21.2754% | 1,821 |
| Efficiency ratio | 73.3115% | 2,691 |
| Assets per employee ($millions) | 4.3753% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3123% | 6,049 |
| Loan loss allowance to noncurrent loans | 36.6741% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 2,795 |
| Noncurrent loans to loans | 0.8517% | 2,656 |
| Net loans and leases to total assets | 79.3750% | 936 |
| Net loans and leases to deposits | 92.4539% | 1,352 |
| Net loans and leases to core deposits | 95.7126% | 1,876 |
| Total domestic deposits to total assets | 85.8537% | 2,711 |
| Equity capital to assets | 13.4273% | 1,149 |
| Core capital (leverage) ratio | 13.4265% | 994 |
| Tier 1 risk-based capital ratio | 26.5229% | 701 |
| Total risk-based capital ratio | 27.0189% | 735 |
| Memoranda: | ||
| Average total assets | $328,401,800 | 2,003 |
| Average earning assets | $311,813,800 | 1,942 |
| Average equity | $43,902,400 | 1,676 |
| Average total loans | $262,190,000 | 1,658 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,022 |
| Cost of funding earning assets | 0.5099% | 2,120 |
| Net interest margin | 3.3112% | 4,294 |
| Noninterest income to average assets | 0.2456% | 5,179 |
| Noninterest expense to average assets | 2.4477% | 4,361 |
| Loan and lease loss provision to assets | 0.0709% | 2,765 |
| Net operating income to assets | 0.5914% | 4,427 |
| Return on assets (ROA) | 0.5914% | 4,528 |
| Pretax return on assets | 0.8716% | 4,086 |
| Return on Equity (ROE) | 4.4285% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.4285% | 3,309 |
| Net charge-offs to loans | 0.0612% | 2,720 |
| Credit loss provision to net charge-offs | 145.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 19.2829% | 1,950 |
| Efficiency ratio | 72.2009% | 2,840 |
| Assets per employee ($millions) | 4.2225% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3127% | 6,140 |
| Loan loss allowance to noncurrent loans | 28.9962% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9431% | 2,506 |
| Noncurrent loans to loans | 1.0784% | 2,330 |
| Net loans and leases to total assets | 80.2442% | 792 |
| Net loans and leases to deposits | 93.5824% | 1,249 |
| Net loans and leases to core deposits | 96.9953% | 1,795 |
| Total domestic deposits to total assets | 85.7472% | 2,670 |
| Equity capital to assets | 13.4740% | 1,235 |
| Core capital (leverage) ratio | 13.3222% | 1,084 |
| Tier 1 risk-based capital ratio | 26.3039% | 741 |
| Total risk-based capital ratio | 26.8017% | 793 |
| Memoranda: | ||
| Average total assets | $327,371,250 | 2,022 |
| Average earning assets | $310,892,000 | 1,962 |
| Average equity | $43,715,750 | 1,694 |
| Average total loans | $261,545,500 | 1,672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,893 |
| Cost of funding earning assets | 0.5092% | 2,169 |
| Net interest margin | 3.3368% | 4,151 |
| Noninterest income to average assets | 0.2498% | 5,162 |
| Noninterest expense to average assets | 2.4480% | 4,406 |
| Loan and lease loss provision to assets | 0.0373% | 3,370 |
| Net operating income to assets | 0.6458% | 4,144 |
| Return on assets (ROA) | 0.6458% | 4,252 |
| Pretax return on assets | 0.9335% | 3,830 |
| Return on Equity (ROE) | 4.8511% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.8511% | 2,954 |
| Net charge-offs to loans | 0.0522% | 2,675 |
| Credit loss provision to net charge-offs | 89.7059% | 2,205 |
| Earnings coverage of net charge-offs (x) | 23.3235% | 1,612 |
| Efficiency ratio | 71.6025% | 3,053 |
| Assets per employee ($millions) | 4.1438% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2936% | 6,218 |
| Loan loss allowance to noncurrent loans | 38.6432% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 3,350 |
| Noncurrent loans to loans | 0.7597% | 3,215 |
| Net loans and leases to total assets | 79.7784% | 831 |
| Net loans and leases to deposits | 93.0574% | 1,245 |
| Net loans and leases to core deposits | 94.9711% | 1,881 |
| Total domestic deposits to total assets | 85.7303% | 2,827 |
| Equity capital to assets | 13.4385% | 1,196 |
| Core capital (leverage) ratio | 13.3101% | 1,044 |
| Tier 1 risk-based capital ratio | 26.3093% | 751 |
| Total risk-based capital ratio | 26.7754% | 804 |
| Memoranda: | ||
| Average total assets | $326,711,000 | 2,036 |
| Average earning assets | $310,292,670 | 1,975 |
| Average equity | $43,495,330 | 1,711 |
| Average total loans | $260,355,670 | 1,683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 3,742 |
| Cost of funding earning assets | 0.5095% | 2,206 |
| Net interest margin | 3.3615% | 3,983 |
| Noninterest income to average assets | 0.2549% | 5,135 |
| Noninterest expense to average assets | 2.4891% | 4,298 |
| Loan and lease loss provision to assets | -0.0466% | 6,152 |
| Net operating income to assets | 0.6679% | 3,965 |
| Return on assets (ROA) | 0.6679% | 4,087 |
| Pretax return on assets | 1.0062% | 3,472 |
| Return on Equity (ROE) | 5.0408% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.0408% | 3,029 |
| Net charge-offs to loans | 0.0031% | 3,214 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,125 |
| Earnings coverage of net charge-offs (x) | 391.5000% | 143 |
| Efficiency ratio | 72.1748% | 3,141 |
| Assets per employee ($millions) | 4.0402% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2840% | 6,301 |
| Loan loss allowance to noncurrent loans | 45.5108% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 3,733 |
| Noncurrent loans to loans | 0.6239% | 3,708 |
| Net loans and leases to total assets | 78.8686% | 816 |
| Net loans and leases to deposits | 91.8806% | 1,199 |
| Net loans and leases to core deposits | 93.8491% | 1,782 |
| Total domestic deposits to total assets | 85.8382% | 3,020 |
| Equity capital to assets | 13.3044% | 1,258 |
| Core capital (leverage) ratio | 13.1682% | 1,104 |
| Tier 1 risk-based capital ratio | 26.2067% | 772 |
| Total risk-based capital ratio | 26.6557% | 827 |
| Memoranda: | ||
| Average total assets | $326,387,500 | 2,042 |
| Average earning assets | $310,103,000 | 1,987 |
| Average equity | $43,247,000 | 1,720 |
| Average total loans | $259,568,500 | 1,687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 4,258 |
| Cost of funding earning assets | 0.5213% | 2,477 |
| Net interest margin | 3.3461% | 4,416 |
| Noninterest income to average assets | 0.2335% | 5,462 |
| Noninterest expense to average assets | 2.4982% | 4,556 |
| Loan and lease loss provision to assets | 0.0745% | 2,994 |
| Net operating income to assets | 0.5618% | 4,548 |
| Return on assets (ROA) | 0.5643% | 4,626 |
| Pretax return on assets | 0.8281% | 4,150 |
| Return on Equity (ROE) | 4.3440% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.3440% | 3,094 |
| Net charge-offs to loans | 0.0833% | 3,301 |
| Credit loss provision to net charge-offs | 113.6792% | 2,093 |
| Earnings coverage of net charge-offs (x) | 13.7123% | 2,246 |
| Efficiency ratio | 73.5390% | 2,919 |
| Assets per employee ($millions) | 4.2276% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2977% | 6,386 |
| Loan loss allowance to noncurrent loans | 45.8038% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 3,718 |
| Noncurrent loans to loans | 0.6500% | 3,736 |
| Net loans and leases to total assets | 79.7264% | 772 |
| Net loans and leases to deposits | 92.7134% | 1,214 |
| Net loans and leases to core deposits | 94.7006% | 1,847 |
| Total domestic deposits to total assets | 85.9923% | 2,849 |
| Equity capital to assets | 13.1957% | 1,276 |
| Core capital (leverage) ratio | 13.0476% | 1,117 |
| Tier 1 risk-based capital ratio | 25.8497% | 771 |
| Total risk-based capital ratio | 26.3227% | 819 |
| Memoranda: | ||
| Average total assets | $323,395,800 | 2,009 |
| Average earning assets | $305,758,800 | 1,961 |
| Average equity | $42,012,200 | 1,709 |
| Average total loans | $254,394,200 | 1,663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 4,315 |
| Cost of funding earning assets | 0.5178% | 2,578 |
| Net interest margin | 3.3456% | 4,448 |
| Noninterest income to average assets | 0.2346% | 5,527 |
| Noninterest expense to average assets | 2.5224% | 4,457 |
| Loan and lease loss provision to assets | 0.0607% | 3,147 |
| Net operating income to assets | 0.5566% | 4,646 |
| Return on assets (ROA) | 0.5600% | 4,706 |
| Pretax return on assets | 0.8156% | 4,310 |
| Return on Equity (ROE) | 4.3277% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.3277% | 3,569 |
| Net charge-offs to loans | 0.0453% | 3,587 |
| Credit loss provision to net charge-offs | 170.9302% | 1,447 |
| Earnings coverage of net charge-offs (x) | 24.5357% | 1,541 |
| Efficiency ratio | 74.3247% | 2,769 |
| Assets per employee ($millions) | 4.1620% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3125% | 6,465 |
| Loan loss allowance to noncurrent loans | 39.0126% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 2,887 |
| Noncurrent loans to loans | 0.8011% | 3,579 |
| Net loans and leases to total assets | 79.1910% | 813 |
| Net loans and leases to deposits | 92.0698% | 1,219 |
| Net loans and leases to core deposits | 94.3458% | 1,823 |
| Total domestic deposits to total assets | 86.0119% | 2,840 |
| Equity capital to assets | 13.0646% | 1,399 |
| Core capital (leverage) ratio | 12.9343% | 1,211 |
| Tier 1 risk-based capital ratio | 25.4261% | 842 |
| Total risk-based capital ratio | 25.9154% | 899 |
| Memoranda: | ||
| Average total assets | $322,864,250 | 2,026 |
| Average earning assets | $304,868,500 | 1,984 |
| Average equity | $41,776,500 | 1,723 |
| Average total loans | $252,917,250 | 1,681 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 4,292 |
| Cost of funding earning assets | 0.5094% | 2,734 |
| Net interest margin | 3.3523% | 4,390 |
| Noninterest income to average assets | 0.2482% | 5,425 |
| Noninterest expense to average assets | 2.4613% | 4,695 |
| Loan and lease loss provision to assets | 0.0354% | 3,582 |
| Net operating income to assets | 0.6206% | 4,246 |
| Return on assets (ROA) | 0.6206% | 4,341 |
| Pretax return on assets | 0.9166% | 3,822 |
| Return on Equity (ROE) | 4.8118% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.8118% | 3,079 |
| Net charge-offs to loans | 0.0454% | 3,331 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 26.9123% | 1,356 |
| Efficiency ratio | 72.1091% | 3,311 |
| Assets per employee ($millions) | 4.1448% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2929% | 6,539 |
| Loan loss allowance to noncurrent loans | 48.7247% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 3,337 |
| Noncurrent loans to loans | 0.6011% | 4,222 |
| Net loans and leases to total assets | 78.4440% | 851 |
| Net loans and leases to deposits | 91.2281% | 1,246 |
| Net loans and leases to core deposits | 92.8973% | 1,872 |
| Total domestic deposits to total assets | 85.9867% | 3,041 |
| Equity capital to assets | 13.0232% | 1,358 |
| Core capital (leverage) ratio | 12.8806% | 1,207 |
| Tier 1 risk-based capital ratio | 25.7514% | 800 |
| Total risk-based capital ratio | 26.2133% | 863 |
| Memoranda: | ||
| Average total assets | $322,274,330 | 2,024 |
| Average earning assets | $304,269,670 | 1,983 |
| Average equity | $41,564,670 | 1,727 |
| Average total loans | $251,260,670 | 1,689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 4,221 |
| Cost of funding earning assets | 0.5121% | 2,784 |
| Net interest margin | 3.3546% | 4,318 |
| Noninterest income to average assets | 0.2076% | 5,698 |
| Noninterest expense to average assets | 2.4316% | 4,841 |
| Loan and lease loss provision to assets | 0.0659% | 2,808 |
| Net operating income to assets | 0.6029% | 4,187 |
| Return on assets (ROA) | 0.6029% | 4,262 |
| Pretax return on assets | 0.8777% | 3,795 |
| Return on Equity (ROE) | 4.6978% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.6978% | 3,298 |
| Net charge-offs to loans | 0.0833% | 2,313 |
| Credit loss provision to net charge-offs | 101.9231% | 1,630 |
| Earnings coverage of net charge-offs (x) | 14.5962% | 1,594 |
| Efficiency ratio | 72.0442% | 3,480 |
| Assets per employee ($millions) | 4.1302% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2978% | 6,610 |
| Loan loss allowance to noncurrent loans | 49.3060% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 3,334 |
| Noncurrent loans to loans | 0.6040% | 4,348 |
| Net loans and leases to total assets | 77.5256% | 813 |
| Net loans and leases to deposits | 89.9133% | 1,164 |
| Net loans and leases to core deposits | 91.6825% | 1,765 |
| Total domestic deposits to total assets | 86.2226% | 3,247 |
| Equity capital to assets | 12.9064% | 1,349 |
| Core capital (leverage) ratio | 12.7650% | 1,263 |
| Tier 1 risk-based capital ratio | 25.4608% | 839 |
| Total risk-based capital ratio | 25.9239% | 902 |
| Memoranda: | ||
| Average total assets | $321,765,000 | 2,031 |
| Average earning assets | $303,817,500 | 1,989 |
| Average equity | $41,295,500 | 1,730 |
| Average total loans | $249,716,500 | 1,696 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,778 |
| Cost of funding earning assets | 0.5976% | 2,683 |
| Net interest margin | 3.2139% | 4,956 |
| Noninterest income to average assets | 0.2397% | 5,632 |
| Noninterest expense to average assets | 2.4797% | 4,835 |
| Loan and lease loss provision to assets | 0.0484% | 4,164 |
| Net operating income to assets | 0.5141% | 4,672 |
| Return on assets (ROA) | 0.5143% | 4,802 |
| Pretax return on assets | 0.7513% | 4,336 |
| Return on Equity (ROE) | 4.1572% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,216 |
| Net charge-offs to loans | 0.0864% | 3,998 |
| Credit loss provision to net charge-offs | 75.9615% | 3,141 |
| Earnings coverage of net charge-offs (x) | 12.5529% | 2,112 |
| Efficiency ratio | 75.6232% | 2,839 |
| Assets per employee ($millions) | 4.0172% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2993% | 6,686 |
| Loan loss allowance to noncurrent loans | 40.2485% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 3,604 |
| Noncurrent loans to loans | 0.7436% | 4,103 |
| Net loans and leases to total assets | 77.2274% | 926 |
| Net loans and leases to deposits | 89.3415% | 1,306 |
| Net loans and leases to core deposits | 91.0939% | 1,892 |
| Total domestic deposits to total assets | 86.4407% | 3,029 |
| Equity capital to assets | 12.7615% | 1,389 |
| Core capital (leverage) ratio | 12.6400% | 1,288 |
| Tier 1 risk-based capital ratio | 25.2775% | 832 |
| Total risk-based capital ratio | 25.7422% | 887 |
| Memoranda: | ||
| Average total assets | $326,648,200 | 1,973 |
| Average earning assets | $308,910,200 | 1,918 |
| Average equity | $40,411,400 | 1,729 |
| Average total loans | $240,618,800 | 1,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,860 |
| Cost of funding earning assets | 0.6195% | 2,651 |
| Net interest margin | 3.1802% | 5,056 |
| Noninterest income to average assets | 0.2460% | 5,677 |
| Noninterest expense to average assets | 2.4148% | 4,977 |
| Loan and lease loss provision to assets | 0.0581% | 3,883 |
| Net operating income to assets | 0.5248% | 4,688 |
| Return on assets (ROA) | 0.5248% | 4,844 |
| Pretax return on assets | 0.7805% | 4,369 |
| Return on Equity (ROE) | 4.2753% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.2753% | 3,635 |
| Net charge-offs to loans | 0.0844% | 3,741 |
| Credit loss provision to net charge-offs | 94.7020% | 2,515 |
| Earnings coverage of net charge-offs (x) | 13.6621% | 2,009 |
| Efficiency ratio | 74.2222% | 3,026 |
| Assets per employee ($millions) | 3.9609% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 6,765 |
| Loan loss allowance to noncurrent loans | 30.2111% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 3,671 |
| Noncurrent loans to loans | 1.0595% | 3,679 |
| Net loans and leases to total assets | 75.4558% | 1,071 |
| Net loans and leases to deposits | 87.1961% | 1,470 |
| Net loans and leases to core deposits | 88.9049% | 2,084 |
| Total domestic deposits to total assets | 86.5358% | 2,941 |
| Equity capital to assets | 12.5239% | 1,569 |
| Core capital (leverage) ratio | 12.3892% | 1,477 |
| Tier 1 risk-based capital ratio | 24.8898% | 884 |
| Total risk-based capital ratio | 25.3778% | 965 |
| Memoranda: | ||
| Average total assets | $327,967,000 | 1,977 |
| Average earning assets | $310,158,500 | 1,925 |
| Average equity | $40,261,250 | 1,744 |
| Average total loans | $238,540,250 | 1,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,760 |
| Cost of funding earning assets | 0.6649% | 2,361 |
| Net interest margin | 3.1553% | 5,107 |
| Noninterest income to average assets | 0.2438% | 5,712 |
| Noninterest expense to average assets | 2.3992% | 5,054 |
| Loan and lease loss provision to assets | 0.0693% | 3,651 |
| Net operating income to assets | 0.5051% | 4,778 |
| Return on assets (ROA) | 0.5051% | 4,941 |
| Pretax return on assets | 0.7580% | 4,475 |
| Return on Equity (ROE) | 4.1423% | 5,156 |
| Retained earnings to average equity (ytd only) | 4.1423% | 3,650 |
| Net charge-offs to loans | 0.0932% | 3,431 |
| Credit loss provision to net charge-offs | 103.6364% | 2,132 |
| Earnings coverage of net charge-offs (x) | 12.3727% | 1,982 |
| Efficiency ratio | 74.3595% | 3,060 |
| Assets per employee ($millions) | 3.8218% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3323% | 6,800 |
| Loan loss allowance to noncurrent loans | 27.6184% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 3,555 |
| Noncurrent loans to loans | 1.2032% | 3,551 |
| Net loans and leases to total assets | 74.6507% | 1,151 |
| Net loans and leases to deposits | 86.3697% | 1,539 |
| Net loans and leases to core deposits | 87.8222% | 2,128 |
| Total domestic deposits to total assets | 86.4315% | 3,149 |
| Equity capital to assets | 12.5723% | 1,532 |
| Core capital (leverage) ratio | 12.4001% | 1,411 |
| Tier 1 risk-based capital ratio | 24.6898% | 909 |
| Total risk-based capital ratio | 25.1870% | 989 |
| Memoranda: | ||
| Average total assets | $329,024,670 | 1,975 |
| Average earning assets | $311,031,000 | 1,923 |
| Average equity | $40,122,670 | 1,752 |
| Average total loans | $236,099,330 | 1,742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,816 |
| Cost of funding earning assets | 0.6795% | 2,396 |
| Net interest margin | 3.1232% | 5,183 |
| Noninterest income to average assets | 0.2474% | 5,691 |
| Noninterest expense to average assets | 2.3974% | 5,132 |
| Loan and lease loss provision to assets | 0.0396% | 3,933 |
| Net operating income to assets | 0.5441% | 4,481 |
| Return on assets (ROA) | 0.5441% | 4,631 |
| Pretax return on assets | 0.7639% | 4,313 |
| Return on Equity (ROE) | 4.5296% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.5296% | 3,517 |
| Net charge-offs to loans | 0.0889% | 2,949 |
| Credit loss provision to net charge-offs | 63.4615% | 2,382 |
| Earnings coverage of net charge-offs (x) | 12.8654% | 1,566 |
| Efficiency ratio | 74.8968% | 3,111 |
| Assets per employee ($millions) | 3.9334% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3317% | 6,883 |
| Loan loss allowance to noncurrent loans | 26.5390% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 3,821 |
| Noncurrent loans to loans | 1.2500% | 3,685 |
| Net loans and leases to total assets | 69.7300% | 1,707 |
| Net loans and leases to deposits | 82.9804% | 1,712 |
| Net loans and leases to core deposits | 85.0352% | 2,214 |
| Total domestic deposits to total assets | 84.0319% | 4,467 |
| Equity capital to assets | 12.0362% | 2,012 |
| Core capital (leverage) ratio | 11.8054% | 1,675 |
| Tier 1 risk-based capital ratio | 24.3267% | 979 |
| Total risk-based capital ratio | 24.8070% | 1,060 |
| Memoranda: | ||
| Average total assets | $333,022,000 | 1,973 |
| Average earning assets | $314,931,000 | 1,929 |
| Average equity | $40,003,500 | 1,776 |
| Average total loans | $233,924,000 | 1,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 5,159 |
| Cost of funding earning assets | 0.7670% | 2,948 |
| Net interest margin | 3.2793% | 5,324 |
| Noninterest income to average assets | 0.2599% | 5,606 |
| Noninterest expense to average assets | 2.4161% | 5,361 |
| Loan and lease loss provision to assets | 0.0528% | 5,148 |
| Net operating income to assets | 0.6088% | 4,196 |
| Return on assets (ROA) | 0.6088% | 4,460 |
| Pretax return on assets | 0.8939% | 3,938 |
| Return on Equity (ROE) | 5.2328% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.2328% | 2,549 |
| Net charge-offs to loans | 0.0838% | 4,841 |
| Credit loss provision to net charge-offs | 91.1917% | 3,426 |
| Earnings coverage of net charge-offs (x) | 16.3627% | 1,580 |
| Efficiency ratio | 71.8488% | 3,444 |
| Assets per employee ($millions) | 3.9964% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3398% | 6,930 |
| Loan loss allowance to noncurrent loans | 20.8333% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 3,441 |
| Noncurrent loans to loans | 1.6312% | 3,178 |
| Net loans and leases to total assets | 70.2861% | 1,787 |
| Net loans and leases to deposits | 83.6023% | 1,801 |
| Net loans and leases to core deposits | 85.9899% | 2,313 |
| Total domestic deposits to total assets | 84.0719% | 4,284 |
| Equity capital to assets | 11.9881% | 2,054 |
| Core capital (leverage) ratio | 11.7609% | 1,698 |
| Tier 1 risk-based capital ratio | 24.0261% | 966 |
| Total risk-based capital ratio | 24.5178% | 1,055 |
| Memoranda: | ||
| Average total assets | $333,592,200 | 1,932 |
| Average earning assets | $315,645,600 | 1,878 |
| Average equity | $38,813,200 | 1,790 |
| Average total loans | $230,199,000 | 1,772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 5,203 |
| Cost of funding earning assets | 0.7803% | 3,110 |
| Net interest margin | 3.3154% | 5,335 |
| Noninterest income to average assets | 0.2606% | 5,703 |
| Noninterest expense to average assets | 2.3703% | 5,484 |
| Loan and lease loss provision to assets | 0.0307% | 5,393 |
| Net operating income to assets | 0.6757% | 4,024 |
| Return on assets (ROA) | 0.6757% | 4,291 |
| Pretax return on assets | 0.9970% | 3,730 |
| Return on Equity (ROE) | 5.8516% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.8516% | 2,787 |
| Net charge-offs to loans | 0.0529% | 4,915 |
| Credit loss provision to net charge-offs | 84.6154% | 3,474 |
| Earnings coverage of net charge-offs (x) | 28.2968% | 1,153 |
| Efficiency ratio | 69.7557% | 3,737 |
| Assets per employee ($millions) | 4.2413% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3439% | 7,043 |
| Loan loss allowance to noncurrent loans | 20.7488% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 3,811 |
| Noncurrent loans to loans | 1.6576% | 3,306 |
| Net loans and leases to total assets | 69.0076% | 2,113 |
| Net loans and leases to deposits | 81.7823% | 2,154 |
| Net loans and leases to core deposits | 84.0879% | 2,681 |
| Total domestic deposits to total assets | 84.3797% | 4,048 |
| Equity capital to assets | 11.7867% | 2,446 |
| Core capital (leverage) ratio | 11.5450% | 1,955 |
| Tier 1 risk-based capital ratio | 23.7561% | 1,057 |
| Total risk-based capital ratio | 24.2483% | 1,146 |
| Memoranda: | ||
| Average total assets | $334,064,500 | 1,953 |
| Average earning assets | $316,129,500 | 1,895 |
| Average equity | $38,575,250 | 1,820 |
| Average total loans | $229,264,750 | 1,789 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 5,181 |
| Cost of funding earning assets | 0.7941% | 3,236 |
| Net interest margin | 3.3411% | 5,299 |
| Noninterest income to average assets | 0.2691% | 5,652 |
| Noninterest expense to average assets | 2.3666% | 5,577 |
| Loan and lease loss provision to assets | 0.0467% | 5,092 |
| Net operating income to assets | 0.6892% | 3,927 |
| Return on assets (ROA) | 0.6892% | 4,190 |
| Pretax return on assets | 1.0176% | 3,646 |
| Return on Equity (ROE) | 6.0100% | 4,325 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,711 |
| Net charge-offs to loans | 0.0885% | 4,263 |
| Credit loss provision to net charge-offs | 77.2277% | 3,396 |
| Earnings coverage of net charge-offs (x) | 17.5842% | 1,522 |
| Efficiency ratio | 68.9782% | 3,944 |
| Assets per employee ($millions) | 4.1888% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 7,101 |
| Loan loss allowance to noncurrent loans | 21.2423% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 3,998 |
| Noncurrent loans to loans | 1.6220% | 3,475 |
| Net loans and leases to total assets | 67.3467% | 2,399 |
| Net loans and leases to deposits | 79.3929% | 2,464 |
| Net loans and leases to core deposits | 81.8841% | 2,973 |
| Total domestic deposits to total assets | 84.8271% | 3,941 |
| Equity capital to assets | 11.4684% | 2,620 |
| Core capital (leverage) ratio | 11.2381% | 2,096 |
| Tier 1 risk-based capital ratio | 23.6392% | 1,058 |
| Total risk-based capital ratio | 24.1310% | 1,131 |
| Memoranda: | ||
| Average total assets | $333,731,670 | 1,950 |
| Average earning assets | $315,823,670 | 1,888 |
| Average equity | $38,269,330 | 1,827 |
| Average total loans | $228,347,330 | 1,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 5,038 |
| Cost of funding earning assets | 0.8088% | 3,403 |
| Net interest margin | 3.4113% | 5,077 |
| Noninterest income to average assets | 0.2707% | 5,711 |
| Noninterest expense to average assets | 2.3351% | 5,676 |
| Loan and lease loss provision to assets | 0.0447% | 4,845 |
| Net operating income to assets | 0.7566% | 3,591 |
| Return on assets (ROA) | 0.7566% | 3,828 |
| Pretax return on assets | 1.1180% | 3,251 |
| Return on Equity (ROE) | 6.5984% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.5984% | 2,634 |
| Net charge-offs to loans | 0.1790% | 3,024 |
| Credit loss provision to net charge-offs | 36.2745% | 3,513 |
| Earnings coverage of net charge-offs (x) | 9.4314% | 1,843 |
| Efficiency ratio | 66.7588% | 4,415 |
| Assets per employee ($millions) | 3.9086% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3289% | 7,161 |
| Loan loss allowance to noncurrent loans | 22.1991% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,350 |
| Noncurrent loans to loans | 1.4815% | 3,896 |
| Net loans and leases to total assets | 68.1412% | 2,089 |
| Net loans and leases to deposits | 80.5514% | 2,137 |
| Net loans and leases to core deposits | 82.9066% | 2,705 |
| Total domestic deposits to total assets | 84.5934% | 4,225 |
| Equity capital to assets | 11.5273% | 2,417 |
| Core capital (leverage) ratio | 11.3146% | 2,023 |
| Tier 1 risk-based capital ratio | 23.4815% | 1,068 |
| Total risk-based capital ratio | 23.9499% | 1,152 |
| Memoranda: | ||
| Average total assets | $330,953,000 | 1,969 |
| Average earning assets | $313,074,500 | 1,911 |
| Average equity | $37,948,500 | 1,834 |
| Average total loans | $227,876,000 | 1,805 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 5,411 |
| Cost of funding earning assets | 1.0171% | 3,257 |
| Net interest margin | 3.3869% | 5,524 |
| Noninterest income to average assets | 0.2462% | 5,771 |
| Noninterest expense to average assets | 2.3806% | 5,824 |
| Loan and lease loss provision to assets | 0.0313% | 6,173 |
| Net operating income to assets | 0.7029% | 3,477 |
| Return on assets (ROA) | 0.7029% | 3,665 |
| Pretax return on assets | 1.0435% | 3,062 |
| Return on Equity (ROE) | 6.3540% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.3540% | 1,828 |
| Net charge-offs to loans | 0.0359% | 5,956 |
| Credit loss provision to net charge-offs | 127.1605% | 2,443 |
| Earnings coverage of net charge-offs (x) | 43.6049% | 628 |
| Efficiency ratio | 68.8948% | 4,173 |
| Assets per employee ($millions) | 3.9720% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 7,193 |
| Loan loss allowance to noncurrent loans | 22.4186% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1642% | 4,287 |
| Noncurrent loans to loans | 1.5843% | 3,787 |
| Net loans and leases to total assets | 69.1005% | 2,198 |
| Net loans and leases to deposits | 81.4779% | 2,274 |
| Net loans and leases to core deposits | 83.5788% | 2,946 |
| Total domestic deposits to total assets | 84.8088% | 3,952 |
| Equity capital to assets | 11.4051% | 2,595 |
| Core capital (leverage) ratio | 11.2082% | 2,109 |
| Tier 1 risk-based capital ratio | 23.4812% | 1,034 |
| Total risk-based capital ratio | 23.9990% | 1,107 |
| Memoranda: | ||
| Average total assets | $328,618,000 | 1,964 |
| Average earning assets | $311,378,600 | 1,892 |
| Average equity | $36,355,200 | 1,863 |
| Average total loans | $225,859,800 | 1,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 5,592 |
| Cost of funding earning assets | 1.0497% | 3,318 |
| Net interest margin | 3.3533% | 5,707 |
| Noninterest income to average assets | 0.2310% | 5,968 |
| Noninterest expense to average assets | 2.3986% | 5,768 |
| Loan and lease loss provision to assets | 0.0329% | 6,028 |
| Net operating income to assets | 0.6517% | 3,863 |
| Return on assets (ROA) | 0.6517% | 4,033 |
| Pretax return on assets | 0.9790% | 3,480 |
| Return on Equity (ROE) | 5.9370% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.9370% | 2,595 |
| Net charge-offs to loans | 0.0231% | 5,826 |
| Credit loss provision to net charge-offs | 207.6923% | 1,408 |
| Earnings coverage of net charge-offs (x) | 63.8958% | 517 |
| Efficiency ratio | 70.3298% | 3,900 |
| Assets per employee ($millions) | 4.0125% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3548% | 7,259 |
| Loan loss allowance to noncurrent loans | 32.0158% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,091 |
| Noncurrent loans to loans | 1.1083% | 4,705 |
| Net loans and leases to total assets | 68.3038% | 2,423 |
| Net loans and leases to deposits | 80.1651% | 2,627 |
| Net loans and leases to core deposits | 82.2953% | 3,280 |
| Total domestic deposits to total assets | 85.2039% | 3,672 |
| Equity capital to assets | 11.0772% | 3,070 |
| Core capital (leverage) ratio | 10.8822% | 2,489 |
| Tier 1 risk-based capital ratio | 23.1390% | 1,131 |
| Total risk-based capital ratio | 23.6580% | 1,202 |
| Memoranda: | ||
| Average total assets | $328,353,000 | 1,973 |
| Average earning assets | $311,327,750 | 1,898 |
| Average equity | $36,044,000 | 1,876 |
| Average total loans | $225,169,500 | 1,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 5,553 |
| Cost of funding earning assets | 1.0690% | 3,482 |
| Net interest margin | 3.3729% | 5,630 |
| Noninterest income to average assets | 0.2246% | 6,063 |
| Noninterest expense to average assets | 2.4529% | 5,693 |
| Loan and lease loss provision to assets | -0.0104% | 7,369 |
| Net operating income to assets | 0.6573% | 3,760 |
| Return on assets (ROA) | 0.6573% | 3,884 |
| Pretax return on assets | 0.9780% | 3,324 |
| Return on Equity (ROE) | 6.0064% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.0064% | 2,425 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7123% | 3,791 |
| Assets per employee ($millions) | 4.0306% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3338% | 7,328 |
| Loan loss allowance to noncurrent loans | 42.0022% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 5,679 |
| Noncurrent loans to loans | 0.7948% | 5,324 |
| Net loans and leases to total assets | 67.8364% | 2,652 |
| Net loans and leases to deposits | 79.5323% | 2,880 |
| Net loans and leases to core deposits | 81.6519% | 3,558 |
| Total domestic deposits to total assets | 85.2941% | 3,728 |
| Equity capital to assets | 11.0011% | 2,949 |
| Core capital (leverage) ratio | 10.8042% | 2,417 |
| Tier 1 risk-based capital ratio | 22.8847% | 1,136 |
| Total risk-based capital ratio | 23.3677% | 1,208 |
| Memoranda: | ||
| Average total assets | $326,792,670 | 1,990 |
| Average earning assets | $309,647,670 | 1,917 |
| Average equity | $35,761,670 | 1,876 |
| Average total loans | $224,131,000 | 1,879 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 5,428 |
| Cost of funding earning assets | 1.1145% | 3,425 |
| Net interest margin | 3.3605% | 5,581 |
| Noninterest income to average assets | 0.2524% | 5,880 |
| Noninterest expense to average assets | 2.4128% | 5,846 |
| Loan and lease loss provision to assets | 0.0037% | 5,815 |
| Net operating income to assets | 0.6857% | 3,578 |
| Return on assets (ROA) | 0.6857% | 3,644 |
| Pretax return on assets | 1.0205% | 3,057 |
| Return on Equity (ROE) | 6.2827% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,471 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2006% | 4,218 |
| Assets per employee ($millions) | 3.8720% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 7,379 |
| Loan loss allowance to noncurrent loans | 36.2865% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 5,574 |
| Noncurrent loans to loans | 0.9493% | 5,137 |
| Net loans and leases to total assets | 69.3149% | 2,263 |
| Net loans and leases to deposits | 81.4994% | 2,444 |
| Net loans and leases to core deposits | 83.2695% | 3,266 |
| Total domestic deposits to total assets | 85.0495% | 4,008 |
| Equity capital to assets | 11.1219% | 2,569 |
| Core capital (leverage) ratio | 10.9459% | 2,235 |
| Tier 1 risk-based capital ratio | 22.9626% | 1,086 |
| Total risk-based capital ratio | 23.4668% | 1,165 |
| Memoranda: | ||
| Average total assets | $324,932,500 | 2,011 |
| Average earning assets | $307,934,000 | 1,934 |
| Average equity | $35,462,500 | 1,877 |
| Average total loans | $223,717,000 | 1,905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 5,791 |
| Cost of funding earning assets | 1.3751% | 3,427 |
| Net interest margin | 3.3282% | 5,878 |
| Noninterest income to average assets | 0.2689% | 5,864 |
| Noninterest expense to average assets | 3.1419% | 3,304 |
| Loan and lease loss provision to assets | 0.0097% | 6,987 |
| Net operating income to assets | 0.1811% | 5,334 |
| Return on assets (ROA) | 0.1811% | 5,503 |
| Pretax return on assets | 0.2719% | 5,308 |
| Return on Equity (ROE) | 1.7717% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.7717% | 4,613 |
| Net charge-offs to loans | 0.0172% | 6,645 |
| Credit loss provision to net charge-offs | 82.0513% | 5,482 |
| Earnings coverage of net charge-offs (x) | 23.8462% | 888 |
| Efficiency ratio | 91.7736% | 1,198 |
| Assets per employee ($millions) | 3.9106% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3426% | 7,460 |
| Loan loss allowance to noncurrent loans | 37.5796% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 5,698 |
| Noncurrent loans to loans | 0.9116% | 5,233 |
| Net loans and leases to total assets | 67.9279% | 2,998 |
| Net loans and leases to deposits | 79.4308% | 3,268 |
| Net loans and leases to core deposits | 81.1440% | 4,039 |
| Total domestic deposits to total assets | 85.5183% | 3,588 |
| Equity capital to assets | 10.7102% | 2,942 |
| Core capital (leverage) ratio | 10.5378% | 2,518 |
| Tier 1 risk-based capital ratio | 22.3552% | 1,127 |
| Total risk-based capital ratio | 22.8521% | 1,208 |
| Memoranda: | ||
| Average total assets | $330,213,800 | 1,971 |
| Average earning assets | $312,992,400 | 1,898 |
| Average equity | $33,753,000 | 1,959 |
| Average total loans | $226,300,200 | 1,929 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 5,929 |
| Cost of funding earning assets | 1.4164% | 3,480 |
| Net interest margin | 3.3088% | 5,989 |
| Noninterest income to average assets | 0.2536% | 6,085 |
| Noninterest expense to average assets | 3.3997% | 2,294 |
| Loan and lease loss provision to assets | 0.0190% | 6,861 |
| Net operating income to assets | -0.0230% | 6,041 |
| Return on assets (ROA) | -0.0230% | 6,164 |
| Pretax return on assets | -0.0290% | 6,136 |
| Return on Equity (ROE) | -0.2276% | 6,167 |
| Retained earnings to average equity (ytd only) | -0.2276% | 5,833 |
| Net charge-offs to loans | 0.0076% | 6,559 |
| Credit loss provision to net charge-offs | 361.5385% | 860 |
| Earnings coverage of net charge-offs (x) | -1.9233% | 6,530 |
| Efficiency ratio | 100.2974% | 733 |
| Assets per employee ($millions) | 4.0152% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3556% | 7,565 |
| Loan loss allowance to noncurrent loans | 31.4030% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 5,428 |
| Noncurrent loans to loans | 1.1325% | 4,972 |
| Net loans and leases to total assets | 68.7632% | 3,038 |
| Net loans and leases to deposits | 80.1948% | 3,413 |
| Net loans and leases to core deposits | 82.0776% | 4,236 |
| Total domestic deposits to total assets | 85.7452% | 3,221 |
| Equity capital to assets | 10.5648% | 3,451 |
| Core capital (leverage) ratio | 10.3263% | 2,882 |
| Tier 1 risk-based capital ratio | 21.6694% | 1,260 |
| Total risk-based capital ratio | 22.1866% | 1,342 |
| Memoranda: | ||
| Average total assets | $330,644,500 | 1,992 |
| Average earning assets | $313,380,000 | 1,925 |
| Average equity | $33,395,750 | 1,995 |
| Average total loans | $226,899,250 | 1,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 6,044 |
| Cost of funding earning assets | 1.4571% | 3,518 |
| Net interest margin | 3.2729% | 6,100 |
| Noninterest income to average assets | 0.2434% | 6,169 |
| Noninterest expense to average assets | 2.5816% | 5,401 |
| Loan and lease loss provision to assets | -0.0097% | 7,738 |
| Net operating income to assets | 0.4699% | 4,464 |
| Return on assets (ROA) | 0.4699% | 4,623 |
| Pretax return on assets | 0.7744% | 3,969 |
| Return on Equity (ROE) | 4.7247% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.7247% | 3,068 |
| Net charge-offs to loans | -0.0062% | 7,134 |
| Credit loss provision to net charge-offs | 228.5714% | 1,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1480% | 2,870 |
| Assets per employee ($millions) | 4.0164% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3338% | 7,646 |
| Loan loss allowance to noncurrent loans | 36.8675% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 5,792 |
| Noncurrent loans to loans | 0.9055% | 5,467 |
| Net loans and leases to total assets | 68.5098% | 3,247 |
| Net loans and leases to deposits | 79.7489% | 3,642 |
| Net loans and leases to core deposits | 79.7489% | 4,720 |
| Total domestic deposits to total assets | 85.9069% | 3,142 |
| Equity capital to assets | 10.0474% | 3,959 |
| Core capital (leverage) ratio | 10.3829% | 2,733 |
| Tier 1 risk-based capital ratio | 22.0055% | 1,201 |
| Total risk-based capital ratio | 22.4908% | 1,275 |
| Memoranda: | ||
| Average total assets | $331,111,670 | 2,005 |
| Average earning assets | $313,907,330 | 1,941 |
| Average equity | $32,933,000 | 2,019 |
| Average total loans | $226,797,000 | 1,967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 6,126 |
| Cost of funding earning assets | 1.4901% | 3,620 |
| Net interest margin | 3.2462% | 6,141 |
| Noninterest income to average assets | 0.2279% | 6,326 |
| Noninterest expense to average assets | 2.5237% | 5,638 |
| Loan and lease loss provision to assets | -0.0339% | 7,854 |
| Net operating income to assets | 0.5394% | 4,187 |
| Return on assets (ROA) | 0.5394% | 4,326 |
| Pretax return on assets | 0.8146% | 3,805 |
| Return on Equity (ROE) | 5.4513% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.4513% | 2,900 |
| Net charge-offs to loans | -0.0124% | 6,943 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3756% | 3,156 |
| Assets per employee ($millions) | 4.0379% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3337% | 7,736 |
| Loan loss allowance to noncurrent loans | 34.8450% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 5,796 |
| Noncurrent loans to loans | 0.9576% | 5,426 |
| Net loans and leases to total assets | 68.7683% | 3,209 |
| Net loans and leases to deposits | 80.0198% | 3,654 |
| Net loans and leases to core deposits | 80.0198% | 4,762 |
| Total domestic deposits to total assets | 85.9392% | 3,188 |
| Equity capital to assets | 10.0700% | 3,779 |
| Core capital (leverage) ratio | 10.4696% | 2,648 |
| Tier 1 risk-based capital ratio | 22.0961% | 1,189 |
| Total risk-based capital ratio | 22.5804% | 1,269 |
| Memoranda: | ||
| Average total assets | $329,987,000 | 2,066 |
| Average earning assets | $312,731,500 | 1,995 |
| Average equity | $32,652,500 | 2,057 |
| Average total loans | $225,620,500 | 2,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 6,161 |
| Cost of funding earning assets | 1.9919% | 3,000 |
| Net interest margin | 3.0885% | 6,403 |
| Noninterest income to average assets | 0.2727% | 6,164 |
| Noninterest expense to average assets | 2.4125% | 6,430 |
| Loan and lease loss provision to assets | 0.0850% | 6,760 |
| Net operating income to assets | 0.4777% | 3,826 |
| Return on assets (ROA) | 0.4777% | 3,927 |
| Pretax return on assets | 0.6982% | 3,581 |
| Return on Equity (ROE) | 4.9030% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.9030% | 1,868 |
| Net charge-offs to loans | 0.0005% | 7,244 |
| Credit loss provision to net charge-offs | 27,200.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,507.0000% | 6 |
| Efficiency ratio | 75.4913% | 3,619 |
| Assets per employee ($millions) | 4.0598% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3436% | 7,798 |
| Loan loss allowance to noncurrent loans | 32.0778% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 5,599 |
| Noncurrent loans to loans | 1.0711% | 5,176 |
| Net loans and leases to total assets | 67.5247% | 3,812 |
| Net loans and leases to deposits | 80.8153% | 3,835 |
| Net loans and leases to core deposits | 94.5271% | 4,623 |
| Total domestic deposits to total assets | 83.5543% | 4,255 |
| Equity capital to assets | 9.7233% | 4,113 |
| Core capital (leverage) ratio | 10.1480% | 2,952 |
| Tier 1 risk-based capital ratio | 21.6452% | 1,198 |
| Total risk-based capital ratio | 22.1399% | 1,280 |
| Memoranda: | ||
| Average total assets | $320,088,600 | 2,111 |
| Average earning assets | $302,928,800 | 2,049 |
| Average equity | $31,185,000 | 2,153 |
| Average total loans | $220,063,200 | 2,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 5,952 |
| Cost of funding earning assets | 2.1108% | 2,845 |
| Net interest margin | 3.0719% | 6,392 |
| Noninterest income to average assets | 0.2794% | 6,238 |
| Noninterest expense to average assets | 2.4387% | 6,281 |
| Loan and lease loss provision to assets | 0.0164% | 7,179 |
| Net operating income to assets | 0.4910% | 4,019 |
| Return on assets (ROA) | 0.4910% | 4,118 |
| Pretax return on assets | 0.7304% | 3,759 |
| Return on Equity (ROE) | 5.0373% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.0373% | 2,469 |
| Net charge-offs to loans | 0.0006% | 6,984 |
| Credit loss provision to net charge-offs | 3,900.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 1,779.4060% | 8 |
| Efficiency ratio | 76.5553% | 3,411 |
| Assets per employee ($millions) | 3.9390% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2408% | 7,948 |
| Loan loss allowance to noncurrent loans | 45.1586% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 6,434 |
| Noncurrent loans to loans | 0.5332% | 6,241 |
| Net loans and leases to total assets | 69.3970% | 3,631 |
| Net loans and leases to deposits | 83.6988% | 3,695 |
| Net loans and leases to core deposits | 98.5461% | 4,547 |
| Total domestic deposits to total assets | 82.9127% | 4,265 |
| Equity capital to assets | 9.8240% | 4,319 |
| Core capital (leverage) ratio | 10.3381% | 2,936 |
| Tier 1 risk-based capital ratio | 21.9490% | 1,231 |
| Total risk-based capital ratio | 22.3030% | 1,345 |
| Memoranda: | ||
| Average total assets | $316,885,250 | 2,138 |
| Average earning assets | $299,783,750 | 2,091 |
| Average equity | $30,889,000 | 2,194 |
| Average total loans | $218,687,500 | 2,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 5,697 |
| Cost of funding earning assets | 2.2487% | 2,584 |
| Net interest margin | 3.0415% | 6,430 |
| Noninterest income to average assets | 0.2846% | 6,229 |
| Noninterest expense to average assets | 2.4634% | 6,248 |
| Loan and lease loss provision to assets | -0.0013% | 8,133 |
| Net operating income to assets | 0.4713% | 4,214 |
| Return on assets (ROA) | 0.4713% | 4,326 |
| Pretax return on assets | 0.6956% | 4,013 |
| Return on Equity (ROE) | 4.8484% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.8484% | 2,594 |
| Net charge-offs to loans | -0.0009% | 7,465 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0125% | 3,344 |
| Assets per employee ($millions) | 3.8300% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2315% | 8,046 |
| Loan loss allowance to noncurrent loans | 65.7929% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 6,699 |
| Noncurrent loans to loans | 0.3519% | 6,630 |
| Net loans and leases to total assets | 68.0583% | 4,141 |
| Net loans and leases to deposits | 82.0231% | 4,217 |
| Net loans and leases to core deposits | 95.7373% | 4,931 |
| Total domestic deposits to total assets | 82.9746% | 4,247 |
| Equity capital to assets | 9.8031% | 4,209 |
| Core capital (leverage) ratio | 10.3630% | 2,938 |
| Tier 1 risk-based capital ratio | 22.0849% | 1,243 |
| Total risk-based capital ratio | 22.4196% | 1,335 |
| Memoranda: | ||
| Average total assets | $314,849,000 | 2,172 |
| Average earning assets | $297,414,670 | 2,134 |
| Average equity | $30,608,330 | 2,223 |
| Average total loans | $216,687,000 | 2,185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 5,432 |
| Cost of funding earning assets | 2.4138% | 2,235 |
| Net interest margin | 2.9854% | 6,519 |
| Noninterest income to average assets | 0.3064% | 5,991 |
| Noninterest expense to average assets | 2.3656% | 6,318 |
| Loan and lease loss provision to assets | -0.0294% | 8,185 |
| Net operating income to assets | 0.5311% | 4,294 |
| Return on assets (ROA) | 0.5311% | 4,480 |
| Pretax return on assets | 0.7838% | 4,137 |
| Return on Equity (ROE) | 5.4861% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.4861% | 2,866 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8183% | 3,521 |
| Assets per employee ($millions) | 3.9111% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2243% | 8,092 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 6,953 |
| Noncurrent loans to loans | 0.1458% | 7,102 |
| Net loans and leases to total assets | 67.3965% | 4,270 |
| Net loans and leases to deposits | 81.0397% | 4,444 |
| Net loans and leases to core deposits | 93.3790% | 5,218 |
| Total domestic deposits to total assets | 83.1648% | 4,061 |
| Equity capital to assets | 9.6809% | 4,410 |
| Core capital (leverage) ratio | 10.2878% | 3,120 |
| Tier 1 risk-based capital ratio | 22.1611% | 1,286 |
| Total risk-based capital ratio | 22.4855% | 1,379 |
| Memoranda: | ||
| Average total assets | $313,329,000 | 2,195 |
| Average earning assets | $295,299,000 | 2,150 |
| Average equity | $30,331,000 | 2,241 |
| Average total loans | $216,604,500 | 2,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 7,148 |
| Cost of funding earning assets | 2.8536% | 2,468 |
| Net interest margin | 2.7183% | 7,463 |
| Noninterest income to average assets | 0.3526% | 5,909 |
| Noninterest expense to average assets | 2.0957% | 7,248 |
| Loan and lease loss provision to assets | 0.0123% | 7,215 |
| Net operating income to assets | 0.5472% | 4,539 |
| Return on assets (ROA) | 0.5472% | 4,393 |
| Pretax return on assets | 0.8043% | 4,052 |
| Return on Equity (ROE) | 5.6022% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.6022% | 1,710 |
| Net charge-offs to loans | 0.0009% | 7,028 |
| Credit loss provision to net charge-offs | 1,900.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 1,265.5000% | 33 |
| Efficiency ratio | 71.9619% | 3,948 |
| Assets per employee ($millions) | 3.7788% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2295% | 8,142 |
| Loan loss allowance to noncurrent loans | 87.3264% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 6,587 |
| Noncurrent loans to loans | 0.2628% | 6,589 |
| Net loans and leases to total assets | 70.5852% | 3,888 |
| Net loans and leases to deposits | 84.8966% | 4,273 |
| Net loans and leases to core deposits | 97.6119% | 5,085 |
| Total domestic deposits to total assets | 83.1426% | 3,708 |
| Equity capital to assets | 9.6796% | 4,452 |
| Core capital (leverage) ratio | 10.3706% | 3,097 |
| Tier 1 risk-based capital ratio | 21.7690% | 1,346 |
| Total risk-based capital ratio | 22.1072% | 1,447 |
| Memoranda: | ||
| Average total assets | $309,965,600 | 2,153 |
| Average earning assets | $291,876,400 | 2,095 |
| Average equity | $30,274,000 | 2,239 |
| Average total loans | $211,583,600 | 2,193 |