Home > Collinsville Building and Loan Association > Performance and Condition Ratios
Collinsville Building and Loan Association, 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 | 3.2699% | 4,460 |
| Cost of funding earning assets | 1.2427% | 2,678 |
| Net interest margin | 2.0272% | 4,403 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.0180% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1410% | 4,219 |
| Return on assets (ROA) | 0.1410% | 4,243 |
| Pretax return on assets | 0.1387% | 4,249 |
| Return on Equity (ROE) | 0.5300% | 4,300 |
| Retained earnings to average equity (ytd only) | 0.5269% | 3,951 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.5707% | 310 |
| Assets per employee ($millions) | 7.7316% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 3,979 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.3700% | 1,536 |
| Net loans and leases to deposits | 100.3295% | 517 |
| Net loans and leases to core deposits | 112.8180% | 853 |
| Total domestic deposits to total assets | 72.1400% | 4,223 |
| Equity capital to assets | 27.7022% | 169 |
| Core capital (leverage) ratio | 27.2992% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,648,600 | 3,572 |
| Average earning assets | $125,935,200 | 3,478 |
| Average equity | $34,165,200 | 2,091 |
| Average total loans | $92,554,000 | 3,256 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1905% | 4,487 |
| Cost of funding earning assets | 1.1693% | 2,530 |
| Net interest margin | 2.0213% | 4,432 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9662% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1835% | 4,245 |
| Return on assets (ROA) | 0.1835% | 4,265 |
| Pretax return on assets | 0.2322% | 4,220 |
| Return on Equity (ROE) | 0.6900% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.6913% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.4389% | 394 |
| Assets per employee ($millions) | 7.9288% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 4,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.8800% | 1,590 |
| Net loans and leases to deposits | 98.7429% | 569 |
| Net loans and leases to core deposits | 111.1405% | 830 |
| Total domestic deposits to total assets | 72.8000% | 4,225 |
| Equity capital to assets | 27.0107% | 179 |
| Core capital (leverage) ratio | 26.8429% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $128,634,500 | 3,578 |
| Average earning assets | $126,913,500 | 3,484 |
| Average equity | $34,139,250 | 2,075 |
| Average total loans | $93,131,250 | 3,258 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1114% | 4,525 |
| Cost of funding earning assets | 1.0669% | 2,390 |
| Net interest margin | 2.0444% | 4,482 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 2.0027% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0294% | 4,402 |
| Return on assets (ROA) | 0.0294% | 4,434 |
| Pretax return on assets | 0.0201% | 4,435 |
| Return on Equity (ROE) | 0.1100% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.1114% | 4,051 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.0054% | 184 |
| Assets per employee ($millions) | 7.9978% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,070 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,493 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.8700% | 1,546 |
| Net loans and leases to deposits | 98.1431% | 594 |
| Net loans and leases to core deposits | 108.1354% | 902 |
| Total domestic deposits to total assets | 73.2300% | 4,240 |
| Equity capital to assets | 26.6544% | 178 |
| Core capital (leverage) ratio | 26.5153% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $129,225,667 | 3,578 |
| Average earning assets | $127,467,667 | 3,490 |
| Average equity | $34,097,000 | 2,089 |
| Average total loans | $93,538,667 | 3,248 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0296% | 4,557 |
| Cost of funding earning assets | 0.9339% | 2,262 |
| Net interest margin | 2.0957% | 4,535 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 2.0669% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0154% | 4,469 |
| Return on assets (ROA) | 0.0154% | 4,455 |
| Pretax return on assets | 0.0062% | 4,448 |
| Return on Equity (ROE) | 0.0600% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.0587% | 4,008 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.7028% | 177 |
| Assets per employee ($millions) | 8.1334% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 4,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.2900% | 1,492 |
| Net loans and leases to deposits | 96.7988% | 612 |
| Net loans and leases to core deposits | 106.3839% | 821 |
| Total domestic deposits to total assets | 73.6500% | 4,300 |
| Equity capital to assets | 26.1989% | 142 |
| Core capital (leverage) ratio | 26.0544% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,856,500 | 3,618 |
| Average earning assets | $128,069,500 | 3,529 |
| Average equity | $34,091,500 | 2,114 |
| Average total loans | $93,966,500 | 3,282 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6816% | 4,415 |
| Cost of funding earning assets | 0.6109% | 859 |
| Net interest margin | 2.0708% | 4,534 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 1.8350% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1577% | 4,477 |
| Return on assets (ROA) | 0.1577% | 4,461 |
| Pretax return on assets | 0.2153% | 4,432 |
| Return on Equity (ROE) | 0.6100% | 4,512 |
| Retained earnings to average equity (ytd only) | 0.6121% | 4,258 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.4970% | 317 |
| Assets per employee ($millions) | 8.0986% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 72.3300% | 1,383 |
| Net loans and leases to deposits | 98.3299% | 505 |
| Net loans and leases to core deposits | 106.2747% | 738 |
| Total domestic deposits to total assets | 73.5600% | 4,371 |
| Equity capital to assets | 26.3077% | 138 |
| Core capital (leverage) ratio | 26.2621% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $131,883,200 | 3,612 |
| Average earning assets | $130,145,000 | 3,533 |
| Average equity | $33,983,000 | 2,154 |
| Average total loans | $94,922,800 | 3,219 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6270% | 4,366 |
| Cost of funding earning assets | 0.5762% | 495 |
| Net interest margin | 2.0509% | 4,538 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.8108% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1600% | 4,503 |
| Return on assets (ROA) | 0.1600% | 4,474 |
| Pretax return on assets | 0.2204% | 4,445 |
| Return on Equity (ROE) | 0.6200% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.6243% | 4,265 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.1477% | 351 |
| Assets per employee ($millions) | 7.5615% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,158 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.5900% | 1,221 |
| Net loans and leases to deposits | 98.9501% | 409 |
| Net loans and leases to core deposits | 103.9355% | 652 |
| Total domestic deposits to total assets | 73.3600% | 4,468 |
| Equity capital to assets | 26.4810% | 129 |
| Core capital (leverage) ratio | 26.3672% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $132,459,500 | 3,635 |
| Average earning assets | $130,739,250 | 3,541 |
| Average equity | $33,956,500 | 2,189 |
| Average total loans | $95,042,000 | 3,235 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5780% | 4,295 |
| Cost of funding earning assets | 0.5786% | 325 |
| Net interest margin | 1.9994% | 4,559 |
| Noninterest income to average assets | 0.0075% | 4,727 |
| Noninterest expense to average assets | 1.8226% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1166% | 4,500 |
| Return on assets (ROA) | 0.1166% | 4,467 |
| Pretax return on assets | 0.1585% | 4,443 |
| Return on Equity (ROE) | 0.4598% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.4598% | 4,100 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 340 |
| Assets per employee ($millions) | 7.6060% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 4,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.8504% | 1,023 |
| Net loans and leases to deposits | 98.9724% | 310 |
| Net loans and leases to core deposits | 104.1864% | 501 |
| Total domestic deposits to total assets | 73.6068% | 4,547 |
| Equity capital to assets | 26.2633% | 84 |
| Core capital (leverage) ratio | 25.7133% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,764,333 | 3,664 |
| Average earning assets | $132,041,667 | 3,572 |
| Average equity | $33,928,667 | 2,231 |
| Average total loans | $95,382,333 | 3,248 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5261% | 4,235 |
| Cost of funding earning assets | 0.5868% | 285 |
| Net interest margin | 1.9393% | 4,557 |
| Noninterest income to average assets | 0.0059% | 4,748 |
| Noninterest expense to average assets | 1.6589% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1912% | 4,346 |
| Return on assets (ROA) | 0.1912% | 4,311 |
| Pretax return on assets | 0.2618% | 4,251 |
| Return on Equity (ROE) | 0.7667% | 4,453 |
| Retained earnings to average equity (ytd only) | 0.7667% | 3,865 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3706% | 719 |
| Assets per employee ($millions) | 7.5301% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 69.8637% | 1,036 |
| Net loans and leases to deposits | 98.2323% | 226 |
| Net loans and leases to core deposits | 104.3322% | 385 |
| Total domestic deposits to total assets | 71.1209% | 4,642 |
| Equity capital to assets | 25.0448% | 88 |
| Core capital (leverage) ratio | 24.8849% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,995,500 | 3,658 |
| Average earning assets | $134,278,000 | 3,577 |
| Average equity | $33,913,500 | 2,288 |
| Average total loans | $95,617,000 | 3,254 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5444% | 4,450 |
| Cost of funding earning assets | 0.7193% | 295 |
| Net interest margin | 1.8251% | 4,661 |
| Noninterest income to average assets | 0.0059% | 4,797 |
| Noninterest expense to average assets | 1.7239% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0657% | 4,647 |
| Return on assets (ROA) | 0.0657% | 4,658 |
| Pretax return on assets | 0.0849% | 4,650 |
| Return on Equity (ROE) | 0.2630% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.2630% | 4,424 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3042% | 206 |
| Assets per employee ($millions) | 9.0967% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.7017% | 1,075 |
| Net loans and leases to deposits | 97.6368% | 264 |
| Net loans and leases to core deposits | 104.1891% | 405 |
| Total domestic deposits to total assets | 71.3888% | 4,656 |
| Equity capital to assets | 24.8303% | 92 |
| Core capital (leverage) ratio | 24.6414% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,388,400 | 3,625 |
| Average earning assets | $133,744,400 | 3,534 |
| Average equity | $33,837,400 | 2,337 |
| Average total loans | $94,709,400 | 3,265 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5598% | 4,529 |
| Cost of funding earning assets | 0.7471% | 309 |
| Net interest margin | 1.8127% | 4,741 |
| Noninterest income to average assets | 0.0059% | 4,871 |
| Noninterest expense to average assets | 1.7110% | 4,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0701% | 4,713 |
| Return on assets (ROA) | 0.0701% | 4,728 |
| Pretax return on assets | 0.0858% | 4,721 |
| Return on Equity (ROE) | 0.2799% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.2799% | 4,525 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2224% | 208 |
| Assets per employee ($millions) | 8.5504% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.5067% | 1,128 |
| Net loans and leases to deposits | 97.2738% | 299 |
| Net loans and leases to core deposits | 104.7685% | 438 |
| Total domestic deposits to total assets | 71.4547% | 4,699 |
| Equity capital to assets | 24.7524% | 101 |
| Core capital (leverage) ratio | 24.6174% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,123,000 | 3,666 |
| Average earning assets | $133,499,000 | 3,580 |
| Average equity | $33,826,500 | 2,375 |
| Average total loans | $94,430,750 | 3,317 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5921% | 4,551 |
| Cost of funding earning assets | 0.7718% | 330 |
| Net interest margin | 1.8204% | 4,777 |
| Noninterest income to average assets | 0.0059% | 4,908 |
| Noninterest expense to average assets | 1.7241% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0684% | 4,741 |
| Return on assets (ROA) | 0.0684% | 4,751 |
| Pretax return on assets | 0.0803% | 4,748 |
| Return on Equity (ROE) | 0.2721% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.2721% | 4,468 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5519% | 226 |
| Assets per employee ($millions) | 8.5344% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 68.1489% | 1,425 |
| Net loans and leases to deposits | 95.4138% | 403 |
| Net loans and leases to core deposits | 102.8015% | 572 |
| Total domestic deposits to total assets | 71.4246% | 4,724 |
| Equity capital to assets | 24.7805% | 97 |
| Core capital (leverage) ratio | 24.7957% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,561,667 | 3,690 |
| Average earning assets | $132,940,333 | 3,599 |
| Average equity | $33,814,333 | 2,363 |
| Average total loans | $93,972,333 | 3,338 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7098% | 4,467 |
| Cost of funding earning assets | 0.7941% | 364 |
| Net interest margin | 1.9156% | 4,764 |
| Noninterest income to average assets | 0.0060% | 4,928 |
| Noninterest expense to average assets | 1.8298% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0629% | 4,744 |
| Return on assets (ROA) | 0.0629% | 4,752 |
| Pretax return on assets | 0.0689% | 4,748 |
| Return on Equity (ROE) | 0.2485% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.2485% | 4,340 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3722% | 243 |
| Assets per employee ($millions) | 9.6239% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.5298% | 1,353 |
| Net loans and leases to deposits | 96.8710% | 379 |
| Net loans and leases to core deposits | 105.0235% | 543 |
| Total domestic deposits to total assets | 71.7757% | 4,722 |
| Equity capital to assets | 25.0959% | 90 |
| Core capital (leverage) ratio | 25.2613% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,567,000 | 3,703 |
| Average earning assets | $131,966,500 | 3,608 |
| Average equity | $33,802,500 | 2,360 |
| Average total loans | $94,071,500 | 3,349 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 4,482 |
| Cost of funding earning assets | 0.9761% | 654 |
| Net interest margin | 2.1989% | 4,761 |
| Noninterest income to average assets | 0.0195% | 4,920 |
| Noninterest expense to average assets | 1.7944% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3015% | 4,428 |
| Return on assets (ROA) | 0.3015% | 4,498 |
| Pretax return on assets | 0.3968% | 4,425 |
| Return on Equity (ROE) | 1.1480% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.1480% | 4,169 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8895% | 755 |
| Assets per employee ($millions) | 8.8266% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.2649% | 1,526 |
| Net loans and leases to deposits | 98.5101% | 435 |
| Net loans and leases to core deposits | 106.9938% | 605 |
| Total domestic deposits to total assets | 71.3276% | 4,742 |
| Equity capital to assets | 25.5229% | 94 |
| Core capital (leverage) ratio | 25.5356% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,012,800 | 3,654 |
| Average earning assets | $126,424,400 | 3,549 |
| Average equity | $33,625,000 | 2,311 |
| Average total loans | $94,330,800 | 3,333 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 4,533 |
| Cost of funding earning assets | 1.0117% | 731 |
| Net interest margin | 2.2405% | 4,799 |
| Noninterest income to average assets | 0.0242% | 4,944 |
| Noninterest expense to average assets | 1.7397% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3719% | 4,319 |
| Return on assets (ROA) | 0.3719% | 4,379 |
| Pretax return on assets | 0.4969% | 4,283 |
| Return on Equity (ROE) | 1.4054% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.4054% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7830% | 1,057 |
| Assets per employee ($millions) | 8.7563% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.6424% | 1,718 |
| Net loans and leases to deposits | 100.8088% | 507 |
| Net loans and leases to core deposits | 110.1528% | 698 |
| Total domestic deposits to total assets | 71.0676% | 4,716 |
| Equity capital to assets | 25.7035% | 91 |
| Core capital (leverage) ratio | 25.6791% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,916,250 | 3,661 |
| Average earning assets | $125,325,750 | 3,552 |
| Average equity | $33,583,250 | 2,299 |
| Average total loans | $94,477,000 | 3,339 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 4,642 |
| Cost of funding earning assets | 1.0399% | 871 |
| Net interest margin | 2.2655% | 4,851 |
| Noninterest income to average assets | 0.0351% | 4,943 |
| Noninterest expense to average assets | 1.8288% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3348% | 4,355 |
| Return on assets (ROA) | 0.3348% | 4,412 |
| Pretax return on assets | 0.4432% | 4,345 |
| Return on Equity (ROE) | 1.2528% | 4,657 |
| Retained earnings to average equity (ytd only) | 1.2528% | 4,027 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4912% | 854 |
| Assets per employee ($millions) | 7.6434% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 4,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.0546% | 1,548 |
| Net loans and leases to deposits | 103.1054% | 411 |
| Net loans and leases to core deposits | 111.7514% | 677 |
| Total domestic deposits to total assets | 70.8543% | 4,757 |
| Equity capital to assets | 25.8710% | 90 |
| Core capital (leverage) ratio | 26.3046% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,440,333 | 3,656 |
| Average earning assets | $123,859,000 | 3,551 |
| Average equity | $33,524,333 | 2,286 |
| Average total loans | $94,364,667 | 3,327 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 4,704 |
| Cost of funding earning assets | 1.0558% | 1,200 |
| Net interest margin | 2.3780% | 4,890 |
| Noninterest income to average assets | 0.0649% | 4,937 |
| Noninterest expense to average assets | 1.7761% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4708% | 3,968 |
| Return on assets (ROA) | 0.4708% | 4,022 |
| Pretax return on assets | 0.6364% | 3,848 |
| Return on Equity (ROE) | 1.7325% | 4,503 |
| Retained earnings to average equity (ytd only) | 1.7325% | 3,537 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6205% | 1,868 |
| Assets per employee ($millions) | 7.2605% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 4,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.6749% | 1,358 |
| Net loans and leases to deposits | 104.2258% | 359 |
| Net loans and leases to core deposits | 113.1978% | 701 |
| Total domestic deposits to total assets | 72.6067% | 4,747 |
| Equity capital to assets | 27.1826% | 89 |
| Core capital (leverage) ratio | 27.2715% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,192,000 | 3,660 |
| Average earning assets | $121,615,000 | 3,556 |
| Average equity | $33,478,500 | 2,272 |
| Average total loans | $93,726,500 | 3,326 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 4,920 |
| Cost of funding earning assets | 0.9524% | 1,945 |
| Net interest margin | 2.4409% | 4,994 |
| Noninterest income to average assets | 0.0033% | 5,125 |
| Noninterest expense to average assets | 1.9265% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3783% | 4,635 |
| Return on assets (ROA) | 0.3783% | 4,665 |
| Pretax return on assets | 0.4858% | 4,601 |
| Return on Equity (ROE) | 1.3684% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.3684% | 4,254 |
| Net charge-offs to loans | 0.0334% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 20.1034% | 1,956 |
| Efficiency ratio | 79.8618% | 956 |
| Assets per employee ($millions) | 6.8309% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.3253% | 1,534 |
| Net loans and leases to deposits | 103.7075% | 386 |
| Net loans and leases to core deposits | 111.1635% | 793 |
| Total domestic deposits to total assets | 72.6325% | 4,845 |
| Equity capital to assets | 27.1691% | 96 |
| Core capital (leverage) ratio | 27.2360% | 97 |
| Tier 1 risk-based capital ratio | 69.4266% | 68 |
| Total risk-based capital ratio | 70.6798% | 66 |
| Memoranda: | ||
| Average total assets | $120,007,400 | 3,706 |
| Average earning assets | $118,440,600 | 3,584 |
| Average equity | $33,178,200 | 2,229 |
| Average total loans | $86,721,800 | 3,472 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,033 |
| Cost of funding earning assets | 0.9164% | 2,155 |
| Net interest margin | 2.4638% | 5,084 |
| Noninterest income to average assets | 0.0067% | 5,194 |
| Noninterest expense to average assets | 1.9038% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4069% | 4,711 |
| Return on assets (ROA) | 0.4069% | 4,739 |
| Pretax return on assets | 0.5343% | 4,644 |
| Return on Equity (ROE) | 1.4653% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.4653% | 4,446 |
| Net charge-offs to loans | 0.0219% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.1360% | 1,505 |
| Efficiency ratio | 78.0834% | 1,098 |
| Assets per employee ($millions) | 6.7153% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,495 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.2540% | 2,137 |
| Net loans and leases to deposits | 100.0332% | 634 |
| Net loans and leases to core deposits | 107.1186% | 1,105 |
| Total domestic deposits to total assets | 72.2300% | 4,904 |
| Equity capital to assets | 27.5624% | 92 |
| Core capital (leverage) ratio | 27.6909% | 91 |
| Tier 1 risk-based capital ratio | 71.8869% | 70 |
| Total risk-based capital ratio | 73.1406% | 70 |
| Memoranda: | ||
| Average total assets | $119,270,250 | 3,755 |
| Average earning assets | $117,702,500 | 3,625 |
| Average equity | $33,121,250 | 2,247 |
| Average total loans | $85,069,000 | 3,543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,101 |
| Cost of funding earning assets | 0.8807% | 2,240 |
| Net interest margin | 2.4766% | 5,139 |
| Noninterest income to average assets | 0.0067% | 5,244 |
| Noninterest expense to average assets | 1.9337% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3942% | 4,745 |
| Return on assets (ROA) | 0.3942% | 4,764 |
| Pretax return on assets | 0.5171% | 4,675 |
| Return on Equity (ROE) | 1.4158% | 5,011 |
| Retained earnings to average equity (ytd only) | 1.4158% | 4,315 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9003% | 1,065 |
| Assets per employee ($millions) | 6.6626% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,169 |
| Loan loss allowance to noncurrent loans | 1,164.0625% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,496 |
| Noncurrent loans to loans | 0.0756% | 4,337 |
| Net loans and leases to total assets | 69.9356% | 2,540 |
| Net loans and leases to deposits | 96.9461% | 938 |
| Net loans and leases to core deposits | 103.2386% | 1,449 |
| Total domestic deposits to total assets | 72.1387% | 4,965 |
| Equity capital to assets | 27.6721% | 90 |
| Core capital (leverage) ratio | 27.6910% | 87 |
| Tier 1 risk-based capital ratio | 75.0339% | 56 |
| Total risk-based capital ratio | 76.2888% | 56 |
| Memoranda: | ||
| Average total assets | $118,735,330 | 3,786 |
| Average earning assets | $117,174,670 | 3,657 |
| Average equity | $33,056,330 | 2,244 |
| Average total loans | $84,069,330 | 3,584 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,152 |
| Cost of funding earning assets | 0.8441% | 2,304 |
| Net interest margin | 2.5047% | 5,188 |
| Noninterest income to average assets | 0.0068% | 5,301 |
| Noninterest expense to average assets | 2.1364% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2675% | 4,938 |
| Return on assets (ROA) | 0.2675% | 4,945 |
| Pretax return on assets | 0.3420% | 4,913 |
| Return on Equity (ROE) | 0.9578% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.9578% | 4,316 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2022% | 569 |
| Assets per employee ($millions) | 6.5816% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,164.0625% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,550 |
| Noncurrent loans to loans | 0.0758% | 4,420 |
| Net loans and leases to total assets | 70.5980% | 2,391 |
| Net loans and leases to deposits | 98.1148% | 779 |
| Net loans and leases to core deposits | 104.9912% | 1,248 |
| Total domestic deposits to total assets | 71.9545% | 5,047 |
| Equity capital to assets | 27.8818% | 82 |
| Core capital (leverage) ratio | 27.8367% | 83 |
| Tier 1 risk-based capital ratio | 75.3255% | 58 |
| Total risk-based capital ratio | 76.5798% | 58 |
| Memoranda: | ||
| Average total assets | $118,140,000 | 3,836 |
| Average earning assets | $116,579,000 | 3,704 |
| Average equity | $32,991,500 | 2,252 |
| Average total loans | $83,796,000 | 3,617 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1499% | 5,172 |
| Cost of funding earning assets | 0.7317% | 1,889 |
| Net interest margin | 2.4182% | 5,244 |
| Noninterest income to average assets | 0.0075% | 5,339 |
| Noninterest expense to average assets | 1.8145% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4073% | 4,850 |
| Return on assets (ROA) | 0.4073% | 4,842 |
| Pretax return on assets | 0.5749% | 4,671 |
| Return on Equity (ROE) | 1.4855% | 5,111 |
| Retained earnings to average equity (ytd only) | 1.4855% | 4,541 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9383% | 1,379 |
| Assets per employee ($millions) | 6.5451% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,189 |
| Loan loss allowance to noncurrent loans | 1,146.1538% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,571 |
| Noncurrent loans to loans | 0.0781% | 4,398 |
| Net loans and leases to total assets | 69.9980% | 2,559 |
| Net loans and leases to deposits | 97.5064% | 939 |
| Net loans and leases to core deposits | 104.3755% | 1,386 |
| Total domestic deposits to total assets | 71.7881% | 5,085 |
| Equity capital to assets | 27.9700% | 80 |
| Core capital (leverage) ratio | 27.6508% | 82 |
| Tier 1 risk-based capital ratio | 75.8476% | 59 |
| Total risk-based capital ratio | 77.1044% | 58 |
| Memoranda: | ||
| Average total assets | $119,316,800 | 3,795 |
| Average earning assets | $117,527,000 | 3,686 |
| Average equity | $32,715,200 | 2,169 |
| Average total loans | $82,174,600 | 3,620 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 5,239 |
| Cost of funding earning assets | 0.7094% | 1,796 |
| Net interest margin | 2.4041% | 5,317 |
| Noninterest income to average assets | 0.0067% | 5,416 |
| Noninterest expense to average assets | 1.7400% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4712% | 4,816 |
| Return on assets (ROA) | 0.4712% | 4,821 |
| Pretax return on assets | 0.6338% | 4,673 |
| Return on Equity (ROE) | 1.7271% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.7271% | 4,665 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2989% | 1,682 |
| Assets per employee ($millions) | 7.4694% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,247 |
| Loan loss allowance to noncurrent loans | 1,128.7879% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,690 |
| Noncurrent loans to loans | 0.0801% | 4,520 |
| Net loans and leases to total assets | 68.3315% | 2,890 |
| Net loans and leases to deposits | 94.8269% | 1,284 |
| Net loans and leases to core deposits | 101.4283% | 1,656 |
| Total domestic deposits to total assets | 72.0592% | 5,128 |
| Equity capital to assets | 27.5199% | 86 |
| Core capital (leverage) ratio | 27.5491% | 87 |
| Tier 1 risk-based capital ratio | 75.4473% | 54 |
| Total risk-based capital ratio | 76.7021% | 53 |
| Memoranda: | ||
| Average total assets | $119,693,000 | 3,834 |
| Average earning assets | $117,849,500 | 3,720 |
| Average equity | $32,656,000 | 2,182 |
| Average total loans | $81,915,500 | 3,657 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 5,300 |
| Cost of funding earning assets | 0.6909% | 1,674 |
| Net interest margin | 2.3919% | 5,386 |
| Noninterest income to average assets | 0.0050% | 5,478 |
| Noninterest expense to average assets | 1.8004% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4159% | 4,930 |
| Return on assets (ROA) | 0.4159% | 4,934 |
| Pretax return on assets | 0.5578% | 4,799 |
| Return on Equity (ROE) | 1.5286% | 5,222 |
| Retained earnings to average equity (ytd only) | 1.5286% | 4,632 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3456% | 1,382 |
| Assets per employee ($millions) | 6.9782% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,306 |
| Loan loss allowance to noncurrent loans | 1,095.5882% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,738 |
| Noncurrent loans to loans | 0.0829% | 4,539 |
| Net loans and leases to total assets | 68.5029% | 2,792 |
| Net loans and leases to deposits | 94.8626% | 1,259 |
| Net loans and leases to core deposits | 100.1405% | 1,727 |
| Total domestic deposits to total assets | 72.2128% | 5,167 |
| Equity capital to assets | 27.5773% | 83 |
| Core capital (leverage) ratio | 27.3427% | 87 |
| Tier 1 risk-based capital ratio | 76.0602% | 59 |
| Total risk-based capital ratio | 77.3156% | 59 |
| Memoranda: | ||
| Average total assets | $119,754,000 | 3,865 |
| Average earning assets | $117,812,330 | 3,750 |
| Average equity | $32,578,330 | 2,191 |
| Average total loans | $81,751,330 | 3,680 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0464% | 5,347 |
| Cost of funding earning assets | 0.6702% | 1,598 |
| Net interest margin | 2.3762% | 5,448 |
| Noninterest income to average assets | 0.0066% | 5,555 |
| Noninterest expense to average assets | 1.9582% | 4,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2926% | 5,107 |
| Return on assets (ROA) | 0.2926% | 5,109 |
| Pretax return on assets | 0.3823% | 5,058 |
| Return on Equity (ROE) | 1.0827% | 5,299 |
| Retained earnings to average equity (ytd only) | 1.0827% | 4,608 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6648% | 823 |
| Assets per employee ($millions) | 7.4986% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,377 |
| Loan loss allowance to noncurrent loans | 1,079.7101% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,804 |
| Noncurrent loans to loans | 0.0848% | 4,605 |
| Net loans and leases to total assets | 67.2015% | 2,865 |
| Net loans and leases to deposits | 92.4251% | 1,403 |
| Net loans and leases to core deposits | 96.8690% | 1,914 |
| Total domestic deposits to total assets | 72.7092% | 5,235 |
| Equity capital to assets | 27.1333% | 82 |
| Core capital (leverage) ratio | 27.1351% | 87 |
| Tier 1 risk-based capital ratio | 76.1390% | 57 |
| Total risk-based capital ratio | 77.3950% | 57 |
| Memoranda: | ||
| Average total assets | $120,316,000 | 3,893 |
| Average earning assets | $118,171,500 | 3,778 |
| Average equity | $32,510,000 | 2,207 |
| Average total loans | $81,622,000 | 3,718 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9503% | 5,388 |
| Cost of funding earning assets | 0.6563% | 1,266 |
| Net interest margin | 2.2940% | 5,504 |
| Noninterest income to average assets | 0.0057% | 5,607 |
| Noninterest expense to average assets | 3.5995% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.6875% | 5,561 |
| Return on assets (ROA) | -0.6875% | 5,560 |
| Pretax return on assets | -1.3334% | 5,623 |
| Return on Equity (ROE) | -2.5550% | 5,473 |
| Retained earnings to average equity (ytd only) | -2.5550% | 5,319 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.8384% | 23 |
| Assets per employee ($millions) | 10.0545% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,423 |
| Loan loss allowance to noncurrent loans | 1,049.2958% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,831 |
| Noncurrent loans to loans | 0.0867% | 4,613 |
| Net loans and leases to total assets | 67.2394% | 2,927 |
| Net loans and leases to deposits | 92.1845% | 1,497 |
| Net loans and leases to core deposits | 96.2772% | 2,001 |
| Total domestic deposits to total assets | 72.9400% | 5,263 |
| Equity capital to assets | 26.9083% | 81 |
| Core capital (leverage) ratio | 26.7282% | 83 |
| Tier 1 risk-based capital ratio | 75.4953% | 55 |
| Total risk-based capital ratio | 76.7487% | 55 |
| Memoranda: | ||
| Average total assets | $122,322,600 | 3,853 |
| Average earning assets | $120,529,400 | 3,737 |
| Average equity | $32,916,200 | 2,169 |
| Average total loans | $82,554,200 | 3,689 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9279% | 5,464 |
| Cost of funding earning assets | 0.6455% | 1,269 |
| Net interest margin | 2.2824% | 5,579 |
| Noninterest income to average assets | 0.0054% | 5,675 |
| Noninterest expense to average assets | 2.6331% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2488% | 5,592 |
| Return on assets (ROA) | -0.2488% | 5,593 |
| Pretax return on assets | -0.3769% | 5,607 |
| Return on Equity (ROE) | -0.9244% | 5,556 |
| Retained earnings to average equity (ytd only) | -0.9244% | 5,341 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7068% | 71 |
| Assets per employee ($millions) | 8.8031% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,528 |
| Loan loss allowance to noncurrent loans | 801.0753% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 4,867 |
| Noncurrent loans to loans | 0.1136% | 4,604 |
| Net loans and leases to total assets | 65.8236% | 3,125 |
| Net loans and leases to deposits | 90.1377% | 1,791 |
| Net loans and leases to core deposits | 94.3115% | 2,243 |
| Total domestic deposits to total assets | 73.0256% | 5,307 |
| Equity capital to assets | 26.8397% | 82 |
| Core capital (leverage) ratio | 26.9784% | 81 |
| Tier 1 risk-based capital ratio | 76.9632% | 55 |
| Total risk-based capital ratio | 78.2196% | 55 |
| Memoranda: | ||
| Average total assets | $122,739,750 | 3,889 |
| Average earning assets | $121,039,250 | 3,769 |
| Average equity | $33,028,750 | 2,185 |
| Average total loans | $82,724,750 | 3,708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9224% | 5,492 |
| Cost of funding earning assets | 0.6375% | 1,216 |
| Net interest margin | 2.2849% | 5,614 |
| Noninterest income to average assets | 0.0065% | 5,722 |
| Noninterest expense to average assets | 3.1736% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.6037% | 5,696 |
| Return on assets (ROA) | -0.6037% | 5,693 |
| Pretax return on assets | -0.9154% | 5,706 |
| Return on Equity (ROE) | -2.2416% | 5,633 |
| Retained earnings to average equity (ytd only) | -2.2416% | 5,369 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.5347% | 37 |
| Assets per employee ($millions) | 8.1543% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,634 |
| Loan loss allowance to noncurrent loans | 776.0417% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,885 |
| Noncurrent loans to loans | 0.1162% | 4,653 |
| Net loans and leases to total assets | 66.9288% | 2,963 |
| Net loans and leases to deposits | 91.8077% | 1,526 |
| Net loans and leases to core deposits | 96.3639% | 1,950 |
| Total domestic deposits to total assets | 72.9011% | 5,395 |
| Equity capital to assets | 26.9280% | 76 |
| Core capital (leverage) ratio | 26.8838% | 79 |
| Tier 1 risk-based capital ratio | 75.9179% | 56 |
| Total risk-based capital ratio | 77.1741% | 53 |
| Memoranda: | ||
| Average total assets | $122,572,000 | 3,916 |
| Average earning assets | $120,792,670 | 3,791 |
| Average equity | $33,012,330 | 2,187 |
| Average total loans | $83,010,330 | 3,722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9133% | 5,527 |
| Cost of funding earning assets | 0.6290% | 1,194 |
| Net interest margin | 2.2843% | 5,670 |
| Noninterest income to average assets | 0.0065% | 5,803 |
| Noninterest expense to average assets | 4.7954% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.6756% | 5,807 |
| Return on assets (ROA) | -1.6756% | 5,806 |
| Pretax return on assets | -2.5395% | 5,826 |
| Return on Equity (ROE) | -6.2209% | 5,747 |
| Retained earnings to average equity (ytd only) | -6.2209% | 5,451 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 212.5723% | 14 |
| Assets per employee ($millions) | 8.1852% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,790 |
| Loan loss allowance to noncurrent loans | 745.0000% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 4,946 |
| Noncurrent loans to loans | 0.1196% | 4,711 |
| Net loans and leases to total assets | 67.4868% | 2,746 |
| Net loans and leases to deposits | 92.1895% | 1,310 |
| Net loans and leases to core deposits | 96.7120% | 1,771 |
| Total domestic deposits to total assets | 73.2045% | 5,473 |
| Equity capital to assets | 26.7092% | 83 |
| Core capital (leverage) ratio | 26.7508% | 84 |
| Tier 1 risk-based capital ratio | 74.5719% | 59 |
| Total risk-based capital ratio | 75.8272% | 58 |
| Memoranda: | ||
| Average total assets | $122,700,500 | 3,957 |
| Average earning assets | $120,824,500 | 3,826 |
| Average equity | $33,050,000 | 2,193 |
| Average total loans | $83,211,000 | 3,736 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9840% | 5,512 |
| Cost of funding earning assets | 0.6144% | 1,240 |
| Net interest margin | 2.3696% | 5,669 |
| Noninterest income to average assets | 0.0645% | 5,739 |
| Noninterest expense to average assets | 1.7106% | 5,555 |
| Loan and lease loss provision to assets | -0.1224% | 5,715 |
| Net operating income to assets | 0.5085% | 4,596 |
| Return on assets (ROA) | 0.5085% | 4,673 |
| Pretax return on assets | 0.8055% | 4,172 |
| Return on Equity (ROE) | 1.8879% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.8879% | 4,458 |
| Net charge-offs to loans | 0.2214% | 1,248 |
| Credit loss provision to net charge-offs | -80.2139% | 4,862 |
| Earnings coverage of net charge-offs (x) | 4.4759% | 3,494 |
| Efficiency ratio | 71.4627% | 2,674 |
| Assets per employee ($millions) | 8.1749% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,787 |
| Loan loss allowance to noncurrent loans | 716.3462% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,998 |
| Noncurrent loans to loans | 0.1256% | 4,738 |
| Net loans and leases to total assets | 66.9312% | 2,940 |
| Net loans and leases to deposits | 92.0462% | 1,451 |
| Net loans and leases to core deposits | 96.5872% | 1,872 |
| Total domestic deposits to total assets | 72.7147% | 5,517 |
| Equity capital to assets | 27.1621% | 79 |
| Core capital (leverage) ratio | 26.9313% | 84 |
| Tier 1 risk-based capital ratio | 76.8558% | 52 |
| Total risk-based capital ratio | 78.1111% | 52 |
| Memoranda: | ||
| Average total assets | $122,528,200 | 3,949 |
| Average earning assets | $120,443,800 | 3,823 |
| Average equity | $32,999,200 | 2,177 |
| Average total loans | $84,477,200 | 3,699 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 5,568 |
| Cost of funding earning assets | 0.6045% | 1,286 |
| Net interest margin | 2.3949% | 5,719 |
| Noninterest income to average assets | 0.0207% | 5,897 |
| Noninterest expense to average assets | 1.5977% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5137% | 4,645 |
| Return on assets (ROA) | 0.5137% | 4,746 |
| Pretax return on assets | 0.7771% | 4,386 |
| Return on Equity (ROE) | 1.9115% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.9115% | 4,725 |
| Net charge-offs to loans | 0.2937% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.8182% | 3,356 |
| Efficiency ratio | 67.2777% | 3,362 |
| Assets per employee ($millions) | 8.2593% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,065 |
| Loan loss allowance to noncurrent loans | 844.3396% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 3,529 |
| Noncurrent loans to loans | 0.1256% | 4,839 |
| Net loans and leases to total assets | 67.4122% | 2,884 |
| Net loans and leases to deposits | 92.2565% | 1,464 |
| Net loans and leases to core deposits | 95.3423% | 2,063 |
| Total domestic deposits to total assets | 73.0705% | 5,518 |
| Equity capital to assets | 26.7625% | 83 |
| Core capital (leverage) ratio | 27.1068% | 76 |
| Tier 1 risk-based capital ratio | 74.4593% | 59 |
| Total risk-based capital ratio | 75.7192% | 60 |
| Memoranda: | ||
| Average total assets | $122,504,500 | 3,975 |
| Average earning assets | $120,420,750 | 3,844 |
| Average equity | $32,922,250 | 2,197 |
| Average total loans | $84,892,000 | 3,709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 5,646 |
| Cost of funding earning assets | 0.5978% | 1,333 |
| Net interest margin | 2.4061% | 5,806 |
| Noninterest income to average assets | 0.0066% | 5,989 |
| Noninterest expense to average assets | 1.5470% | 5,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5473% | 4,494 |
| Return on assets (ROA) | 0.5473% | 4,603 |
| Pretax return on assets | 0.8276% | 4,199 |
| Return on Equity (ROE) | 2.0338% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.0338% | 4,545 |
| Net charge-offs to loans | 0.0564% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.0417% | 1,700 |
| Efficiency ratio | 65.1484% | 3,820 |
| Assets per employee ($millions) | 8.0556% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,093 |
| Loan loss allowance to noncurrent loans | 125.6532% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 2,708 |
| Noncurrent loans to loans | 0.9921% | 2,301 |
| Net loans and leases to total assets | 69.3638% | 2,574 |
| Net loans and leases to deposits | 95.7470% | 1,105 |
| Net loans and leases to core deposits | 99.0487% | 1,717 |
| Total domestic deposits to total assets | 72.4448% | 5,643 |
| Equity capital to assets | 27.3251% | 72 |
| Core capital (leverage) ratio | 27.0542% | 72 |
| Tier 1 risk-based capital ratio | 74.9728% | 60 |
| Total risk-based capital ratio | 76.2375% | 59 |
| Memoranda: | ||
| Average total assets | $122,042,670 | 4,009 |
| Average earning assets | $120,110,330 | 3,878 |
| Average equity | $32,844,330 | 2,206 |
| Average total loans | $85,052,000 | 3,720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9816% | 5,702 |
| Cost of funding earning assets | 0.5897% | 1,411 |
| Net interest margin | 2.3919% | 5,878 |
| Noninterest income to average assets | 0.0033% | 6,062 |
| Noninterest expense to average assets | 1.6372% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4794% | 4,709 |
| Return on assets (ROA) | 0.4794% | 4,808 |
| Pretax return on assets | 0.7208% | 4,449 |
| Return on Equity (ROE) | 1.7950% | 5,551 |
| Retained earnings to average equity (ytd only) | 1.7950% | 4,550 |
| Net charge-offs to loans | 0.1128% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.2083% | 2,004 |
| Efficiency ratio | 69.4329% | 3,224 |
| Assets per employee ($millions) | 8.1648% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,256 |
| Loan loss allowance to noncurrent loans | 125.6532% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 2,838 |
| Noncurrent loans to loans | 0.9866% | 2,413 |
| Net loans and leases to total assets | 68.8223% | 2,525 |
| Net loans and leases to deposits | 94.2587% | 1,125 |
| Net loans and leases to core deposits | 96.9942% | 1,708 |
| Total domestic deposits to total assets | 73.0142% | 5,705 |
| Equity capital to assets | 26.8069% | 71 |
| Core capital (leverage) ratio | 26.9243% | 72 |
| Tier 1 risk-based capital ratio | 73.3654% | 64 |
| Total risk-based capital ratio | 74.6302% | 64 |
| Memoranda: | ||
| Average total assets | $122,647,000 | 4,031 |
| Average earning assets | $120,741,000 | 3,889 |
| Average equity | $32,757,500 | 2,212 |
| Average total loans | $85,141,500 | 3,721 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0666% | 5,672 |
| Cost of funding earning assets | 0.5711% | 1,587 |
| Net interest margin | 2.4955% | 5,830 |
| Noninterest income to average assets | 0.0050% | 6,094 |
| Noninterest expense to average assets | 1.5209% | 5,968 |
| Loan and lease loss provision to assets | 0.0604% | 3,094 |
| Net operating income to assets | 0.5862% | 4,349 |
| Return on assets (ROA) | 0.5862% | 4,443 |
| Pretax return on assets | 0.8801% | 3,920 |
| Return on Equity (ROE) | 2.1878% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.1878% | 4,472 |
| Net charge-offs to loans | 0.0524% | 3,148 |
| Credit loss provision to net charge-offs | 162.2222% | 1,660 |
| Earnings coverage of net charge-offs (x) | 25.2444% | 1,634 |
| Efficiency ratio | 61.7894% | 4,642 |
| Assets per employee ($millions) | 7.6764% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,046 |
| Loan loss allowance to noncurrent loans | 135.4193% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 3,097 |
| Noncurrent loans to loans | 0.9407% | 2,450 |
| Net loans and leases to total assets | 68.2736% | 2,664 |
| Net loans and leases to deposits | 93.2416% | 1,284 |
| Net loans and leases to core deposits | 96.2214% | 1,825 |
| Total domestic deposits to total assets | 73.2222% | 5,708 |
| Equity capital to assets | 26.6109% | 72 |
| Core capital (leverage) ratio | 26.8161% | 70 |
| Tier 1 risk-based capital ratio | 73.4274% | 61 |
| Total risk-based capital ratio | 74.6922% | 59 |
| Memoranda: | ||
| Average total assets | $120,779,800 | 4,056 |
| Average earning assets | $118,895,400 | 3,905 |
| Average equity | $32,361,200 | 2,180 |
| Average total loans | $85,875,800 | 3,673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1041% | 5,708 |
| Cost of funding earning assets | 0.5632% | 1,690 |
| Net interest margin | 2.5409% | 5,884 |
| Noninterest income to average assets | 0.0044% | 6,184 |
| Noninterest expense to average assets | 1.4833% | 6,055 |
| Loan and lease loss provision to assets | 0.0499% | 3,212 |
| Net operating income to assets | 0.6485% | 4,139 |
| Return on assets (ROA) | 0.6485% | 4,253 |
| Pretax return on assets | 0.9722% | 3,731 |
| Return on Equity (ROE) | 2.4163% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.4163% | 4,665 |
| Net charge-offs to loans | 0.0697% | 2,565 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 20.4883% | 1,870 |
| Efficiency ratio | 59.2035% | 4,980 |
| Assets per employee ($millions) | 7.5542% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 3,475 |
| Loan loss allowance to noncurrent loans | 148.8701% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 3,527 |
| Noncurrent loans to loans | 0.8268% | 2,902 |
| Net loans and leases to total assets | 69.9794% | 2,387 |
| Net loans and leases to deposits | 96.1236% | 993 |
| Net loans and leases to core deposits | 98.7300% | 1,632 |
| Total domestic deposits to total assets | 72.8015% | 5,807 |
| Equity capital to assets | 26.9395% | 77 |
| Core capital (leverage) ratio | 26.8618% | 74 |
| Tier 1 risk-based capital ratio | 72.3936% | 69 |
| Total risk-based capital ratio | 73.6574% | 69 |
| Memoranda: | ||
| Average total assets | $120,269,250 | 4,112 |
| Average earning assets | $118,378,750 | 3,950 |
| Average equity | $32,280,500 | 2,202 |
| Average total loans | $86,110,500 | 3,712 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 5,795 |
| Cost of funding earning assets | 0.5518% | 1,798 |
| Net interest margin | 2.5018% | 5,959 |
| Noninterest income to average assets | 0.0316% | 6,212 |
| Noninterest expense to average assets | 1.4625% | 6,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6913% | 3,935 |
| Return on assets (ROA) | 0.6913% | 4,045 |
| Pretax return on assets | 1.0311% | 3,455 |
| Return on Equity (ROE) | 2.5787% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.5787% | 4,415 |
| Net charge-offs to loans | 0.1043% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.7556% | 2,104 |
| Efficiency ratio | 58.6506% | 5,150 |
| Assets per employee ($millions) | 7.5521% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,975 |
| Loan loss allowance to noncurrent loans | 142.6554% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,658 |
| Noncurrent loans to loans | 0.8201% | 3,070 |
| Net loans and leases to total assets | 70.6132% | 2,221 |
| Net loans and leases to deposits | 96.8567% | 882 |
| Net loans and leases to core deposits | 99.4730% | 1,535 |
| Total domestic deposits to total assets | 72.9048% | 5,881 |
| Equity capital to assets | 26.8064% | 77 |
| Core capital (leverage) ratio | 26.9054% | 79 |
| Tier 1 risk-based capital ratio | 71.7134% | 69 |
| Total risk-based capital ratio | 72.9763% | 69 |
| Memoranda: | ||
| Average total assets | $120,070,000 | 4,153 |
| Average earning assets | $118,155,330 | 3,985 |
| Average equity | $32,187,000 | 2,212 |
| Average total loans | $86,268,670 | 3,724 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0816% | 5,803 |
| Cost of funding earning assets | 0.5470% | 1,874 |
| Net interest margin | 2.5346% | 5,980 |
| Noninterest income to average assets | 0.0334% | 6,266 |
| Noninterest expense to average assets | 1.4538% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7286% | 3,650 |
| Return on assets (ROA) | 0.7286% | 3,788 |
| Pretax return on assets | 1.0728% | 3,202 |
| Return on Equity (ROE) | 2.7178% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.7178% | 4,320 |
| Net charge-offs to loans | 0.0742% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 20.0625% | 1,425 |
| Efficiency ratio | 57.5397% | 5,387 |
| Assets per employee ($millions) | 7.4726% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,943 |
| Loan loss allowance to noncurrent loans | 167.8514% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,672 |
| Noncurrent loans to loans | 0.7189% | 3,466 |
| Net loans and leases to total assets | 71.1478% | 1,957 |
| Net loans and leases to deposits | 97.7096% | 703 |
| Net loans and leases to core deposits | 100.3989% | 1,292 |
| Total domestic deposits to total assets | 72.8156% | 5,989 |
| Equity capital to assets | 26.9268% | 79 |
| Core capital (leverage) ratio | 26.8712% | 79 |
| Tier 1 risk-based capital ratio | 71.1889% | 79 |
| Total risk-based capital ratio | 72.4526% | 80 |
| Memoranda: | ||
| Average total assets | $119,688,500 | 4,191 |
| Average earning assets | $117,731,500 | 4,025 |
| Average equity | $32,085,000 | 2,229 |
| Average total loans | $86,236,000 | 3,749 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 5,946 |
| Cost of funding earning assets | 0.5849% | 1,905 |
| Net interest margin | 2.5242% | 6,132 |
| Noninterest income to average assets | 0.0428% | 6,307 |
| Noninterest expense to average assets | 1.5037% | 6,295 |
| Loan and lease loss provision to assets | 0.0847% | 2,782 |
| Net operating income to assets | 0.5709% | 4,505 |
| Return on assets (ROA) | 0.5709% | 4,587 |
| Pretax return on assets | 0.9394% | 3,743 |
| Return on Equity (ROE) | 2.1937% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.1937% | 4,683 |
| Net charge-offs to loans | 0.0227% | 4,387 |
| Credit loss provision to net charge-offs | 515.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 62.2500% | 767 |
| Efficiency ratio | 59.4858% | 5,287 |
| Assets per employee ($millions) | 7.4885% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 3,872 |
| Loan loss allowance to noncurrent loans | 170.1613% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,738 |
| Noncurrent loans to loans | 0.7179% | 3,528 |
| Net loans and leases to total assets | 71.2033% | 2,045 |
| Net loans and leases to deposits | 97.4304% | 796 |
| Net loans and leases to core deposits | 100.1479% | 1,386 |
| Total domestic deposits to total assets | 73.0812% | 6,011 |
| Equity capital to assets | 26.6876% | 83 |
| Core capital (leverage) ratio | 26.5675% | 80 |
| Tier 1 risk-based capital ratio | 71.1567% | 68 |
| Total risk-based capital ratio | 72.4195% | 68 |
| Memoranda: | ||
| Average total assets | $121,565,600 | 4,149 |
| Average earning assets | $119,680,400 | 3,977 |
| Average equity | $31,635,800 | 2,181 |
| Average total loans | $87,933,000 | 3,676 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 6,014 |
| Cost of funding earning assets | 0.5915% | 1,908 |
| Net interest margin | 2.5204% | 6,210 |
| Noninterest income to average assets | 0.0404% | 6,404 |
| Noninterest expense to average assets | 1.4928% | 6,357 |
| Loan and lease loss provision to assets | 0.0557% | 3,256 |
| Net operating income to assets | 0.5912% | 4,476 |
| Return on assets (ROA) | 0.5912% | 4,570 |
| Pretax return on assets | 0.9737% | 3,700 |
| Return on Equity (ROE) | 2.2862% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.2862% | 4,917 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1854% | 5,289 |
| Assets per employee ($millions) | 8.0926% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,378 |
| Loan loss allowance to noncurrent loans | 125.3676% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 3,821 |
| Noncurrent loans to loans | 0.9342% | 3,222 |
| Net loans and leases to total assets | 71.1127% | 2,006 |
| Net loans and leases to deposits | 96.8116% | 812 |
| Net loans and leases to core deposits | 98.8390% | 1,459 |
| Total domestic deposits to total assets | 73.4548% | 6,058 |
| Equity capital to assets | 26.2157% | 84 |
| Core capital (leverage) ratio | 26.2157% | 77 |
| Tier 1 risk-based capital ratio | 69.0873% | 72 |
| Total risk-based capital ratio | 70.3487% | 71 |
| Memoranda: | ||
| Average total assets | $122,003,000 | 4,179 |
| Average earning assets | $120,138,000 | 3,986 |
| Average equity | $31,550,750 | 2,193 |
| Average total loans | $88,324,250 | 3,697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 6,033 |
| Cost of funding earning assets | 0.6050% | 1,863 |
| Net interest margin | 2.5213% | 6,251 |
| Noninterest income to average assets | 0.0409% | 6,464 |
| Noninterest expense to average assets | 1.5056% | 6,418 |
| Loan and lease loss provision to assets | 0.0835% | 2,637 |
| Net operating income to assets | 0.5679% | 4,509 |
| Return on assets (ROA) | 0.5679% | 4,613 |
| Pretax return on assets | 0.9345% | 3,744 |
| Return on Equity (ROE) | 2.2060% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.2060% | 4,787 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6628% | 5,343 |
| Assets per employee ($millions) | 7.5211% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,589 |
| Loan loss allowance to noncurrent loans | 155.7078% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 4,353 |
| Noncurrent loans to loans | 0.7483% | 3,833 |
| Net loans and leases to total assets | 72.1086% | 1,728 |
| Net loans and leases to deposits | 98.1673% | 652 |
| Net loans and leases to core deposits | 99.9816% | 1,285 |
| Total domestic deposits to total assets | 73.4548% | 6,155 |
| Equity capital to assets | 26.2835% | 80 |
| Core capital (leverage) ratio | 26.2835% | 79 |
| Tier 1 risk-based capital ratio | 68.8155% | 72 |
| Total risk-based capital ratio | 70.0775% | 72 |
| Memoranda: | ||
| Average total assets | $122,207,670 | 4,191 |
| Average earning assets | $120,333,000 | 4,000 |
| Average equity | $31,460,000 | 2,192 |
| Average total loans | $88,650,330 | 3,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1304% | 6,085 |
| Cost of funding earning assets | 0.6201% | 1,813 |
| Net interest margin | 2.5103% | 6,325 |
| Noninterest income to average assets | 0.0325% | 6,530 |
| Noninterest expense to average assets | 1.5039% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6074% | 4,165 |
| Return on assets (ROA) | 0.6074% | 4,246 |
| Pretax return on assets | 1.0005% | 3,316 |
| Return on Equity (ROE) | 2.3840% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.3840% | 4,646 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0519% | 5,400 |
| Assets per employee ($millions) | 7.6730% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,137 |
| Loan loss allowance to noncurrent loans | 148.1707% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 4,546 |
| Noncurrent loans to loans | 0.7399% | 4,015 |
| Net loans and leases to total assets | 71.4217% | 1,660 |
| Net loans and leases to deposits | 96.3116% | 637 |
| Net loans and leases to core deposits | 98.0345% | 1,234 |
| Total domestic deposits to total assets | 74.1569% | 6,232 |
| Equity capital to assets | 25.6329% | 90 |
| Core capital (leverage) ratio | 25.6329% | 85 |
| Tier 1 risk-based capital ratio | 67.3278% | 77 |
| Total risk-based capital ratio | 68.5879% | 77 |
| Memoranda: | ||
| Average total assets | $123,142,500 | 4,210 |
| Average earning assets | $121,262,500 | 4,017 |
| Average equity | $31,375,500 | 2,186 |
| Average total loans | $89,077,000 | 3,720 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 6,243 |
| Cost of funding earning assets | 0.7780% | 1,333 |
| Net interest margin | 2.3197% | 6,507 |
| Noninterest income to average assets | 0.0527% | 6,544 |
| Noninterest expense to average assets | 1.3815% | 6,639 |
| Loan and lease loss provision to assets | 0.1690% | 2,167 |
| Net operating income to assets | 0.4781% | 4,824 |
| Return on assets (ROA) | 0.4781% | 4,971 |
| Pretax return on assets | 0.7878% | 4,194 |
| Return on Equity (ROE) | 1.9619% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,837 |
| Net charge-offs to loans | 0.0404% | 4,663 |
| Credit loss provision to net charge-offs | 597.2222% | 397 |
| Earnings coverage of net charge-offs (x) | 33.8056% | 1,076 |
| Efficiency ratio | 59.0787% | 5,594 |
| Assets per employee ($millions) | 7.7198% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,217 |
| Loan loss allowance to noncurrent loans | 147.9452% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 4,638 |
| Noncurrent loans to loans | 0.7341% | 4,121 |
| Net loans and leases to total assets | 71.6719% | 1,740 |
| Net loans and leases to deposits | 96.1592% | 719 |
| Net loans and leases to core deposits | 98.6307% | 1,267 |
| Total domestic deposits to total assets | 74.5347% | 6,243 |
| Equity capital to assets | 25.3261% | 90 |
| Core capital (leverage) ratio | 25.3261% | 86 |
| Tier 1 risk-based capital ratio | 66.4260% | 77 |
| Total risk-based capital ratio | 67.6852% | 77 |
| Memoranda: | ||
| Average total assets | $127,182,600 | 4,125 |
| Average earning assets | $125,316,400 | 3,942 |
| Average equity | $30,989,800 | 2,196 |
| Average total loans | $89,191,400 | 3,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 6,329 |
| Cost of funding earning assets | 0.8017% | 1,313 |
| Net interest margin | 2.2898% | 6,594 |
| Noninterest income to average assets | 0.0562% | 6,615 |
| Noninterest expense to average assets | 1.2802% | 6,754 |
| Loan and lease loss provision to assets | 0.2155% | 1,688 |
| Net operating income to assets | 0.4954% | 4,813 |
| Return on assets (ROA) | 0.4954% | 4,980 |
| Pretax return on assets | 0.8171% | 4,231 |
| Return on Equity (ROE) | 2.0528% | 5,919 |
| Retained earnings to average equity (ytd only) | 2.0528% | 5,100 |
| Net charge-offs to loans | 0.0539% | 4,137 |
| Credit loss provision to net charge-offs | 575.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 27.5548% | 1,305 |
| Efficiency ratio | 55.3555% | 5,989 |
| Assets per employee ($millions) | 7.8551% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,418 |
| Loan loss allowance to noncurrent loans | 161.7450% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 4,954 |
| Noncurrent loans to loans | 0.6662% | 4,535 |
| Net loans and leases to total assets | 70.4203% | 1,890 |
| Net loans and leases to deposits | 93.9354% | 834 |
| Net loans and leases to core deposits | 96.3152% | 1,368 |
| Total domestic deposits to total assets | 74.9668% | 6,283 |
| Equity capital to assets | 24.7850% | 92 |
| Core capital (leverage) ratio | 24.7850% | 88 |
| Tier 1 risk-based capital ratio | 65.6232% | 78 |
| Total risk-based capital ratio | 66.8830% | 78 |
| Memoranda: | ||
| Average total assets | $128,099,000 | 4,157 |
| Average earning assets | $126,235,000 | 3,956 |
| Average equity | $30,916,750 | 2,219 |
| Average total loans | $89,114,500 | 3,739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 6,322 |
| Cost of funding earning assets | 0.8203% | 1,302 |
| Net interest margin | 2.2970% | 6,623 |
| Noninterest income to average assets | 0.0605% | 6,636 |
| Noninterest expense to average assets | 1.2692% | 6,807 |
| Loan and lease loss provision to assets | 0.3165% | 1,117 |
| Net operating income to assets | 0.4499% | 5,014 |
| Return on assets (ROA) | 0.4499% | 5,181 |
| Pretax return on assets | 0.7385% | 4,547 |
| Return on Equity (ROE) | 1.8807% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.8807% | 5,072 |
| Net charge-offs to loans | 0.0315% | 4,247 |
| Credit loss provision to net charge-offs | 1,457.1429% | 224 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 817 |
| Efficiency ratio | 54.6061% | 6,093 |
| Assets per employee ($millions) | 8.0121% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,374 |
| Loan loss allowance to noncurrent loans | 148.9394% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 4,984 |
| Noncurrent loans to loans | 0.7497% | 4,423 |
| Net loans and leases to total assets | 67.9041% | 2,257 |
| Net loans and leases to deposits | 89.8125% | 1,168 |
| Net loans and leases to core deposits | 92.0394% | 1,704 |
| Total domestic deposits to total assets | 75.6065% | 6,293 |
| Equity capital to assets | 24.1540% | 97 |
| Core capital (leverage) ratio | 24.1540% | 91 |
| Tier 1 risk-based capital ratio | 65.2698% | 76 |
| Total risk-based capital ratio | 66.5304% | 76 |
| Memoranda: | ||
| Average total assets | $128,905,000 | 4,163 |
| Average earning assets | $127,033,000 | 3,967 |
| Average equity | $30,839,000 | 2,234 |
| Average total loans | $88,996,330 | 3,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1728% | 6,328 |
| Cost of funding earning assets | 0.8293% | 1,371 |
| Net interest margin | 2.3435% | 6,649 |
| Noninterest income to average assets | 0.0712% | 6,669 |
| Noninterest expense to average assets | 1.2842% | 6,884 |
| Loan and lease loss provision to assets | 0.0371% | 3,973 |
| Net operating income to assets | 0.6344% | 4,056 |
| Return on assets (ROA) | 0.6344% | 4,213 |
| Pretax return on assets | 1.0583% | 3,116 |
| Return on Equity (ROE) | 2.6644% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.6644% | 4,687 |
| Net charge-offs to loans | 0.0536% | 3,287 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 966 |
| Efficiency ratio | 53.9662% | 6,231 |
| Assets per employee ($millions) | 8.5955% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,262 |
| Loan loss allowance to noncurrent loans | 121.8126% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,073 |
| Noncurrent loans to loans | 0.7369% | 4,659 |
| Net loans and leases to total assets | 67.9004% | 2,032 |
| Net loans and leases to deposits | 89.6070% | 1,001 |
| Net loans and leases to core deposits | 91.8231% | 1,521 |
| Total domestic deposits to total assets | 75.7758% | 6,384 |
| Equity capital to assets | 23.9496% | 106 |
| Core capital (leverage) ratio | 23.9496% | 96 |
| Tier 1 risk-based capital ratio | 64.5896% | 82 |
| Total risk-based capital ratio | 65.8446% | 82 |
| Memoranda: | ||
| Average total assets | $129,260,500 | 4,198 |
| Average earning assets | $127,330,500 | 3,995 |
| Average equity | $30,776,500 | 2,255 |
| Average total loans | $89,478,500 | 3,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4653% | 6,394 |
| Cost of funding earning assets | 0.9697% | 1,529 |
| Net interest margin | 2.4955% | 6,718 |
| Noninterest income to average assets | 0.0407% | 6,725 |
| Noninterest expense to average assets | 1.2877% | 6,959 |
| Loan and lease loss provision to assets | 0.0400% | 5,367 |
| Net operating income to assets | 0.6992% | 3,744 |
| Return on assets (ROA) | 0.6992% | 3,994 |
| Pretax return on assets | 1.1648% | 2,929 |
| Return on Equity (ROE) | 3.0093% | 5,550 |
| Retained earnings to average equity (ytd only) | 3.0093% | 4,115 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6646% | 6,485 |
| Assets per employee ($millions) | 8.6392% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.3158% | 1,970 |
| Net loans and leases to deposits | 91.0939% | 971 |
| Net loans and leases to core deposits | 93.3518% | 1,518 |
| Total domestic deposits to total assets | 76.0927% | 6,342 |
| Equity capital to assets | 23.6704% | 111 |
| Core capital (leverage) ratio | 23.6704% | 105 |
| Tier 1 risk-based capital ratio | 63.0932% | 88 |
| Total risk-based capital ratio | 64.3479% | 87 |
| Memoranda: | ||
| Average total assets | $130,153,600 | 4,145 |
| Average earning assets | $127,868,600 | 3,947 |
| Average equity | $30,239,800 | 2,234 |
| Average total loans | $90,630,600 | 3,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 6,498 |
| Cost of funding earning assets | 0.9964% | 1,578 |
| Net interest margin | 2.5192% | 6,814 |
| Noninterest income to average assets | 0.0389% | 6,837 |
| Noninterest expense to average assets | 1.2351% | 7,070 |
| Loan and lease loss provision to assets | 0.0471% | 5,183 |
| Net operating income to assets | 0.7398% | 3,737 |
| Return on assets (ROA) | 0.7398% | 3,990 |
| Pretax return on assets | 1.2300% | 2,871 |
| Return on Equity (ROE) | 3.1993% | 5,609 |
| Retained earnings to average equity (ytd only) | 3.1993% | 4,617 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1650% | 6,652 |
| Assets per employee ($millions) | 9.2406% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 69.3904% | 2,040 |
| Net loans and leases to deposits | 91.2194% | 1,033 |
| Net loans and leases to core deposits | 93.2413% | 1,659 |
| Total domestic deposits to total assets | 76.0698% | 6,371 |
| Equity capital to assets | 23.5661% | 125 |
| Core capital (leverage) ratio | 23.5661% | 112 |
| Tier 1 risk-based capital ratio | 62.8455% | 87 |
| Total risk-based capital ratio | 64.0989% | 87 |
| Memoranda: | ||
| Average total assets | $130,295,000 | 4,182 |
| Average earning assets | $127,920,000 | 3,980 |
| Average equity | $30,131,250 | 2,258 |
| Average total loans | $90,633,750 | 3,772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 6,525 |
| Cost of funding earning assets | 1.0307% | 1,578 |
| Net interest margin | 2.5329% | 6,861 |
| Noninterest income to average assets | 0.0368% | 6,901 |
| Noninterest expense to average assets | 1.2205% | 7,138 |
| Loan and lease loss provision to assets | 0.0475% | 5,082 |
| Net operating income to assets | 0.7534% | 3,585 |
| Return on assets (ROA) | 0.7534% | 3,864 |
| Pretax return on assets | 1.2526% | 2,717 |
| Return on Equity (ROE) | 3.2786% | 5,572 |
| Retained earnings to average equity (ytd only) | 3.2786% | 4,428 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4204% | 6,746 |
| Assets per employee ($millions) | 9.3600% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 68.6577% | 2,175 |
| Net loans and leases to deposits | 89.6204% | 1,182 |
| Net loans and leases to core deposits | 91.8192% | 1,800 |
| Total domestic deposits to total assets | 76.6094% | 6,386 |
| Equity capital to assets | 23.0891% | 129 |
| Core capital (leverage) ratio | 23.0891% | 116 |
| Tier 1 risk-based capital ratio | 61.7016% | 88 |
| Total risk-based capital ratio | 62.9558% | 88 |
| Memoranda: | ||
| Average total assets | $130,604,000 | 4,194 |
| Average earning assets | $128,073,670 | 3,994 |
| Average equity | $30,012,670 | 2,253 |
| Average total loans | $90,659,670 | 3,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 6,539 |
| Cost of funding earning assets | 1.0662% | 1,584 |
| Net interest margin | 2.5621% | 6,906 |
| Noninterest income to average assets | 0.0368% | 6,982 |
| Noninterest expense to average assets | 1.2118% | 7,206 |
| Loan and lease loss provision to assets | 0.0399% | 4,887 |
| Net operating income to assets | 0.7792% | 3,479 |
| Return on assets (ROA) | 0.7792% | 3,718 |
| Pretax return on assets | 1.2915% | 2,569 |
| Return on Equity (ROE) | 3.3990% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.3990% | 4,531 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6478% | 6,832 |
| Assets per employee ($millions) | 9.3376% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 6,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 68.6010% | 2,007 |
| Net loans and leases to deposits | 89.3922% | 1,022 |
| Net loans and leases to core deposits | 91.5747% | 1,692 |
| Total domestic deposits to total assets | 76.7416% | 6,443 |
| Equity capital to assets | 22.9624% | 126 |
| Core capital (leverage) ratio | 22.9624% | 119 |
| Tier 1 risk-based capital ratio | 61.6120% | 90 |
| Total risk-based capital ratio | 62.8661% | 89 |
| Memoranda: | ||
| Average total assets | $130,386,000 | 4,222 |
| Average earning assets | $127,553,500 | 4,028 |
| Average equity | $29,891,000 | 2,271 |
| Average total loans | $90,619,000 | 3,812 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 6,628 |
| Cost of funding earning assets | 1.3470% | 1,256 |
| Net interest margin | 2.5426% | 7,033 |
| Noninterest income to average assets | 0.0359% | 6,887 |
| Noninterest expense to average assets | 1.3326% | 7,232 |
| Loan and lease loss provision to assets | 0.0725% | 5,705 |
| Net operating income to assets | 0.6571% | 3,705 |
| Return on assets (ROA) | 0.6571% | 3,897 |
| Pretax return on assets | 1.0899% | 2,874 |
| Return on Equity (ROE) | 2.9348% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.9348% | 4,148 |
| Net charge-offs to loans | 0.0700% | 5,610 |
| Credit loss provision to net charge-offs | 150.7937% | 1,866 |
| Earnings coverage of net charge-offs (x) | 24.1746% | 998 |
| Efficiency ratio | 53.4108% | 6,570 |
| Assets per employee ($millions) | 10.0035% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 6,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.2553% | 2,164 |
| Net loans and leases to deposits | 90.0693% | 1,151 |
| Net loans and leases to core deposits | 92.3089% | 1,858 |
| Total domestic deposits to total assets | 76.8911% | 6,355 |
| Equity capital to assets | 22.8875% | 134 |
| Core capital (leverage) ratio | 22.8875% | 125 |
| Tier 1 risk-based capital ratio | 61.4552% | 91 |
| Total risk-based capital ratio | 62.7085% | 87 |
| Memoranda: | ||
| Average total assets | $131,022,800 | 4,145 |
| Average earning assets | $126,721,600 | 4,001 |
| Average equity | $29,337,800 | 2,245 |
| Average total loans | $90,022,000 | 3,856 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 6,699 |
| Cost of funding earning assets | 1.3994% | 1,232 |
| Net interest margin | 2.5264% | 7,119 |
| Noninterest income to average assets | 0.0345% | 7,003 |
| Noninterest expense to average assets | 1.2879% | 7,319 |
| Loan and lease loss provision to assets | 0.0711% | 5,562 |
| Net operating income to assets | 0.6754% | 3,740 |
| Return on assets (ROA) | 0.6754% | 3,918 |
| Pretax return on assets | 1.1163% | 2,939 |
| Return on Equity (ROE) | 3.0332% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.0332% | 4,522 |
| Net charge-offs to loans | 0.0935% | 5,040 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 18.5551% | 1,299 |
| Efficiency ratio | 52.0312% | 6,672 |
| Assets per employee ($millions) | 9.4037% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.1099% | 2,469 |
| Net loans and leases to deposits | 88.2394% | 1,410 |
| Net loans and leases to core deposits | 90.4130% | 2,203 |
| Total domestic deposits to total assets | 77.1876% | 6,347 |
| Equity capital to assets | 22.4592% | 157 |
| Core capital (leverage) ratio | 22.4592% | 143 |
| Tier 1 risk-based capital ratio | 60.6262% | 108 |
| Total risk-based capital ratio | 61.8790% | 107 |
| Memoranda: | ||
| Average total assets | $131,267,250 | 4,172 |
| Average earning assets | $126,816,750 | 4,018 |
| Average equity | $29,231,250 | 2,253 |
| Average total loans | $89,826,500 | 3,897 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 6,736 |
| Cost of funding earning assets | 1.4285% | 1,287 |
| Net interest margin | 2.5232% | 7,176 |
| Noninterest income to average assets | 0.0336% | 7,105 |
| Noninterest expense to average assets | 1.3131% | 7,388 |
| Loan and lease loss provision to assets | 0.0534% | 5,646 |
| Net operating income to assets | 0.6649% | 3,714 |
| Return on assets (ROA) | 0.6649% | 3,838 |
| Pretax return on assets | 1.0996% | 2,851 |
| Return on Equity (ROE) | 2.9946% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.9946% | 4,372 |
| Net charge-offs to loans | 0.1182% | 4,524 |
| Credit loss provision to net charge-offs | 66.0377% | 4,176 |
| Earnings coverage of net charge-offs (x) | 14.2642% | 1,491 |
| Efficiency ratio | 53.2468% | 6,691 |
| Assets per employee ($millions) | 9.4472% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 6,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 6,968 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.4636% | 2,717 |
| Net loans and leases to deposits | 87.0704% | 1,638 |
| Net loans and leases to core deposits | 89.5091% | 2,438 |
| Total domestic deposits to total assets | 77.4816% | 6,377 |
| Equity capital to assets | 22.1827% | 175 |
| Core capital (leverage) ratio | 22.1827% | 154 |
| Tier 1 risk-based capital ratio | 60.1394% | 108 |
| Total risk-based capital ratio | 61.3918% | 108 |
| Memoranda: | ||
| Average total assets | $131,139,000 | 4,203 |
| Average earning assets | $126,424,670 | 4,061 |
| Average equity | $29,119,000 | 2,234 |
| Average total loans | $89,640,670 | 3,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 6,717 |
| Cost of funding earning assets | 1.4550% | 1,359 |
| Net interest margin | 2.5343% | 7,171 |
| Noninterest income to average assets | 0.0306% | 7,215 |
| Noninterest expense to average assets | 1.3448% | 7,436 |
| Loan and lease loss provision to assets | 0.0521% | 5,350 |
| Net operating income to assets | 0.6494% | 3,752 |
| Return on assets (ROA) | 0.6494% | 3,829 |
| Pretax return on assets | 1.0722% | 2,864 |
| Return on Equity (ROE) | 2.9232% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.9232% | 4,412 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4665% | 6,651 |
| Assets per employee ($millions) | 9.4156% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 6,895 |
| Loan loss allowance to noncurrent loans | 648.2143% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 6,953 |
| Noncurrent loans to loans | 0.1249% | 6,735 |
| Net loans and leases to total assets | 67.4832% | 2,659 |
| Net loans and leases to deposits | 86.9448% | 1,598 |
| Net loans and leases to core deposits | 89.1047% | 2,472 |
| Total domestic deposits to total assets | 77.6161% | 6,428 |
| Equity capital to assets | 22.0873% | 168 |
| Core capital (leverage) ratio | 22.0873% | 159 |
| Tier 1 risk-based capital ratio | 59.9370% | 106 |
| Total risk-based capital ratio | 61.1907% | 105 |
| Memoranda: | ||
| Average total assets | $130,578,000 | 4,244 |
| Average earning assets | $125,638,500 | 4,112 |
| Average equity | $29,009,000 | 2,229 |
| Average total loans | $89,501,500 | 3,990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 7,032 |
| Cost of funding earning assets | 1.7679% | 1,308 |
| Net interest margin | 2.3442% | 7,346 |
| Noninterest income to average assets | 0.0361% | 7,172 |
| Noninterest expense to average assets | 1.3485% | 7,506 |
| Loan and lease loss provision to assets | 0.0861% | 6,289 |
| Net operating income to assets | 0.5758% | 3,775 |
| Return on assets (ROA) | 0.5758% | 3,941 |
| Pretax return on assets | 0.8657% | 3,422 |
| Return on Equity (ROE) | 2.6269% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.6269% | 4,024 |
| Net charge-offs to loans | 0.0300% | 6,507 |
| Credit loss provision to net charge-offs | 430.7692% | 544 |
| Earnings coverage of net charge-offs (x) | 47.6154% | 483 |
| Efficiency ratio | 58.6230% | 6,259 |
| Assets per employee ($millions) | 9.9491% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 6,980 |
| Loan loss allowance to noncurrent loans | 668.8679% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 7,036 |
| Noncurrent loans to loans | 0.1187% | 6,843 |
| Net loans and leases to total assets | 68.5127% | 2,860 |
| Net loans and leases to deposits | 88.5661% | 1,710 |
| Net loans and leases to core deposits | 90.4990% | 2,692 |
| Total domestic deposits to total assets | 77.3578% | 6,426 |
| Equity capital to assets | 22.3469% | 172 |
| Core capital (leverage) ratio | 22.3469% | 162 |
| Tier 1 risk-based capital ratio | 60.3252% | 104 |
| Total risk-based capital ratio | 61.5775% | 103 |
| Memoranda: | ||
| Average total assets | $130,074,600 | 4,265 |
| Average earning assets | $125,630,600 | 4,114 |
| Average equity | $28,512,200 | 2,280 |
| Average total loans | $86,609,000 | 4,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 7,189 |
| Cost of funding earning assets | 1.8468% | 1,231 |
| Net interest margin | 2.2654% | 7,495 |
| Noninterest income to average assets | 0.0338% | 7,354 |
| Noninterest expense to average assets | 1.2805% | 7,640 |
| Loan and lease loss provision to assets | 0.0942% | 6,079 |
| Net operating income to assets | 0.5691% | 4,007 |
| Return on assets (ROA) | 0.5691% | 4,177 |
| Pretax return on assets | 0.8526% | 3,721 |
| Return on Equity (ROE) | 2.6089% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.6089% | 4,591 |
| Net charge-offs to loans | 0.0403% | 6,145 |
| Credit loss provision to net charge-offs | 353.8462% | 883 |
| Earnings coverage of net charge-offs (x) | 35.5725% | 762 |
| Efficiency ratio | 57.4908% | 6,344 |
| Assets per employee ($millions) | 8.6801% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 7,048 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 7,254 |
| Noncurrent loans to loans | 0.0588% | 7,094 |
| Net loans and leases to total assets | 67.4365% | 3,344 |
| Net loans and leases to deposits | 86.9716% | 2,154 |
| Net loans and leases to core deposits | 89.1374% | 3,220 |
| Total domestic deposits to total assets | 77.5386% | 6,359 |
| Equity capital to assets | 22.0505% | 194 |
| Core capital (leverage) ratio | 22.0505% | 176 |
| Tier 1 risk-based capital ratio | 60.1748% | 110 |
| Total risk-based capital ratio | 61.4282% | 108 |
| Memoranda: | ||
| Average total assets | $130,258,750 | 4,323 |
| Average earning assets | $126,125,000 | 4,158 |
| Average equity | $28,414,500 | 2,318 |
| Average total loans | $85,930,750 | 4,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 7,262 |
| Cost of funding earning assets | 1.9289% | 1,113 |
| Net interest margin | 2.1907% | 7,587 |
| Noninterest income to average assets | 0.0307% | 7,430 |
| Noninterest expense to average assets | 1.3034% | 7,709 |
| Loan and lease loss provision to assets | 0.0936% | 5,974 |
| Net operating income to assets | 0.5051% | 4,305 |
| Return on assets (ROA) | 0.5051% | 4,452 |
| Pretax return on assets | 0.7538% | 4,051 |
| Return on Equity (ROE) | 2.3238% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.3238% | 4,677 |
| Net charge-offs to loans | 0.0611% | 5,536 |
| Credit loss provision to net charge-offs | 234.6154% | 1,646 |
| Earnings coverage of net charge-offs (x) | 21.2308% | 1,176 |
| Efficiency ratio | 60.5996% | 5,930 |
| Assets per employee ($millions) | 8.7021% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 7,039 |
| Loan loss allowance to noncurrent loans | 1,356.8627% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,956 |
| Noncurrent loans to loans | 0.0588% | 7,171 |
| Net loans and leases to total assets | 65.9133% | 3,855 |
| Net loans and leases to deposits | 84.7323% | 2,748 |
| Net loans and leases to core deposits | 86.5147% | 3,762 |
| Total domestic deposits to total assets | 77.7901% | 6,313 |
| Equity capital to assets | 21.8207% | 205 |
| Core capital (leverage) ratio | 21.8207% | 185 |
| Tier 1 risk-based capital ratio | 59.9756% | 107 |
| Total risk-based capital ratio | 61.2284% | 106 |
| Memoranda: | ||
| Average total assets | $130,278,000 | 4,346 |
| Average earning assets | $126,080,330 | 4,179 |
| Average equity | $28,316,000 | 2,316 |
| Average total loans | $85,077,000 | 4,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 7,335 |
| Cost of funding earning assets | 1.9670% | 1,190 |
| Net interest margin | 2.1760% | 7,660 |
| Noninterest income to average assets | 0.0307% | 7,557 |
| Noninterest expense to average assets | 1.3154% | 7,798 |
| Loan and lease loss provision to assets | 0.1106% | 5,517 |
| Net operating income to assets | 0.4825% | 4,486 |
| Return on assets (ROA) | 0.4825% | 4,615 |
| Pretax return on assets | 0.7161% | 4,180 |
| Return on Equity (ROE) | 2.2244% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.2244% | 4,795 |
| Net charge-offs to loans | 0.1234% | 4,230 |
| Credit loss provision to net charge-offs | 138.4615% | 2,554 |
| Earnings coverage of net charge-offs (x) | 10.3462% | 1,753 |
| Efficiency ratio | 61.4060% | 5,927 |
| Assets per employee ($millions) | 8.6983% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 7,158 |
| Loan loss allowance to noncurrent loans | 1,258.4906% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 7,043 |
| Noncurrent loans to loans | 0.0625% | 7,243 |
| Net loans and leases to total assets | 64.4918% | 4,217 |
| Net loans and leases to deposits | 82.7669% | 3,147 |
| Net loans and leases to core deposits | 84.2874% | 4,164 |
| Total domestic deposits to total assets | 77.9197% | 6,334 |
| Equity capital to assets | 21.6986% | 219 |
| Core capital (leverage) ratio | 21.6986% | 195 |
| Tier 1 risk-based capital ratio | 60.2118% | 107 |
| Total risk-based capital ratio | 61.4645% | 107 |
| Memoranda: | ||
| Average total assets | $130,151,000 | 4,410 |
| Average earning assets | $126,285,500 | 4,236 |
| Average equity | $28,232,500 | 2,356 |
| Average total loans | $84,250,500 | 4,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 7,568 |
| Cost of funding earning assets | 2.2394% | 1,872 |
| Net interest margin | 2.0343% | 7,728 |
| Noninterest income to average assets | 0.0307% | 7,586 |
| Noninterest expense to average assets | 1.2889% | 7,881 |
| Loan and lease loss provision to assets | 0.0721% | 6,860 |
| Net operating income to assets | 0.4473% | 3,939 |
| Return on assets (ROA) | 0.4473% | 4,058 |
| Pretax return on assets | 0.6483% | 3,749 |
| Return on Equity (ROE) | 2.0907% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.0907% | 3,639 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1466% | 5,750 |
| Assets per employee ($millions) | 8.6552% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 7,177 |
| Loan loss allowance to noncurrent loans | 340.4145% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 7,104 |
| Noncurrent loans to loans | 0.2306% | 6,852 |
| Net loans and leases to total assets | 63.9554% | 4,609 |
| Net loans and leases to deposits | 82.0150% | 3,610 |
| Net loans and leases to core deposits | 98.9713% | 4,116 |
| Total domestic deposits to total assets | 77.9801% | 6,225 |
| Equity capital to assets | 21.6856% | 231 |
| Core capital (leverage) ratio | 21.6856% | 217 |
| Tier 1 risk-based capital ratio | 59.8766% | 115 |
| Total risk-based capital ratio | 61.1293% | 113 |
| Memoranda: | ||
| Average total assets | $130,339,800 | 4,329 |
| Average earning assets | $126,773,400 | 4,160 |
| Average equity | $27,885,000 | 2,387 |
| Average total loans | $79,012,000 | 4,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 7,671 |
| Cost of funding earning assets | 2.2864% | 2,036 |
| Net interest margin | 2.0217% | 7,801 |
| Noninterest income to average assets | 0.0307% | 7,729 |
| Noninterest expense to average assets | 1.2253% | 7,986 |
| Loan and lease loss provision to assets | 0.0715% | 6,641 |
| Net operating income to assets | 0.4875% | 4,037 |
| Return on assets (ROA) | 0.4875% | 4,135 |
| Pretax return on assets | 0.7010% | 3,855 |
| Return on Equity (ROE) | 2.2862% | 5,066 |
| Retained earnings to average equity (ytd only) | 2.2862% | 4,050 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3299% | 6,224 |
| Assets per employee ($millions) | 8.7337% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.1140% | 5,403 |
| Net loans and leases to deposits | 78.2010% | 4,714 |
| Net loans and leases to core deposits | 93.7462% | 5,038 |
| Total domestic deposits to total assets | 78.1499% | 6,039 |
| Equity capital to assets | 21.4097% | 268 |
| Core capital (leverage) ratio | 21.4097% | 248 |
| Tier 1 risk-based capital ratio | 60.0137% | 119 |
| Total risk-based capital ratio | 61.2654% | 116 |
| Memoranda: | ||
| Average total assets | $130,467,750 | 4,365 |
| Average earning assets | $126,949,750 | 4,184 |
| Average equity | $27,817,750 | 2,401 |
| Average total loans | $77,842,750 | 4,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 7,733 |
| Cost of funding earning assets | 2.3290% | 2,241 |
| Net interest margin | 2.0469% | 7,834 |
| Noninterest income to average assets | 0.0338% | 7,820 |
| Noninterest expense to average assets | 1.2357% | 8,078 |
| Loan and lease loss provision to assets | 0.0691% | 6,511 |
| Net operating income to assets | 0.5020% | 4,081 |
| Return on assets (ROA) | 0.5020% | 4,202 |
| Pretax return on assets | 0.7230% | 3,925 |
| Return on Equity (ROE) | 2.3575% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.3575% | 4,027 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9387% | 6,406 |
| Assets per employee ($millions) | 9.3039% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 7,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.8994% | 5,687 |
| Net loans and leases to deposits | 76.7050% | 5,065 |
| Net loans and leases to core deposits | 91.5214% | 5,395 |
| Total domestic deposits to total assets | 78.0907% | 6,053 |
| Equity capital to assets | 21.4180% | 306 |
| Core capital (leverage) ratio | 21.4180% | 295 |
| Tier 1 risk-based capital ratio | 60.4848% | 137 |
| Total risk-based capital ratio | 61.7358% | 134 |
| Memoranda: | ||
| Average total assets | $130,288,330 | 4,382 |
| Average earning assets | $126,922,000 | 4,205 |
| Average equity | $27,741,000 | 2,422 |
| Average total loans | $76,891,670 | 4,704 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 7,715 |
| Cost of funding earning assets | 2.4023% | 2,285 |
| Net interest margin | 2.0992% | 7,852 |
| Noninterest income to average assets | 0.0399% | 7,886 |
| Noninterest expense to average assets | 1.1911% | 8,118 |
| Loan and lease loss provision to assets | 0.0767% | 5,997 |
| Net operating income to assets | 0.5618% | 4,176 |
| Return on assets (ROA) | 0.5618% | 4,361 |
| Pretax return on assets | 0.8135% | 4,028 |
| Return on Equity (ROE) | 2.6462% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.6462% | 4,407 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2271% | 6,799 |
| Assets per employee ($millions) | 8.6070% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 7,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 6,808 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.5470% | 6,014 |
| Net loans and leases to deposits | 73.7620% | 5,509 |
| Net loans and leases to core deposits | 87.8629% | 5,752 |
| Total domestic deposits to total assets | 78.0171% | 6,011 |
| Equity capital to assets | 21.4972% | 335 |
| Core capital (leverage) ratio | 21.4972% | 332 |
| Tier 1 risk-based capital ratio | 61.7730% | 135 |
| Total risk-based capital ratio | 63.0239% | 135 |
| Memoranda: | ||
| Average total assets | $130,305,000 | 4,400 |
| Average earning assets | $126,714,000 | 4,228 |
| Average equity | $27,662,500 | 2,443 |
| Average total loans | $76,022,500 | 4,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 7,910 |
| Cost of funding earning assets | 3.0209% | 1,800 |
| Net interest margin | 1.8589% | 8,117 |
| Noninterest income to average assets | 0.0189% | 8,035 |
| Noninterest expense to average assets | 1.2411% | 8,147 |
| Loan and lease loss provision to assets | 0.0501% | 6,786 |
| Net operating income to assets | 0.3391% | 5,399 |
| Return on assets (ROA) | 0.3391% | 5,221 |
| Pretax return on assets | 0.5330% | 4,901 |
| Return on Equity (ROE) | 1.7083% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.7083% | 4,195 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0334% | 4,718 |
| Assets per employee ($millions) | 8.7670% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 7,206 |
| Loan loss allowance to noncurrent loans | 1,098.1481% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,486 |
| Noncurrent loans to loans | 0.0700% | 7,225 |
| Net loans and leases to total assets | 58.2016% | 6,175 |
| Net loans and leases to deposits | 74.0850% | 5,837 |
| Net loans and leases to core deposits | 88.1795% | 5,958 |
| Total domestic deposits to total assets | 78.5605% | 5,527 |
| Equity capital to assets | 20.9657% | 407 |
| Core capital (leverage) ratio | 20.9657% | 376 |
| Tier 1 risk-based capital ratio | 59.4100% | 157 |
| Total risk-based capital ratio | 60.6598% | 156 |
| Memoranda: | ||
| Average total assets | $137,699,600 | 4,128 |
| Average earning assets | $133,736,200 | 3,978 |
| Average equity | $27,337,800 | 2,450 |
| Average total loans | $73,734,200 | 4,750 |