Home > Cross County Savings Bank > Performance and Condition Ratios
Cross County Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 1,892 |
| Cost of funding earning assets | 0.9879% | 3,323 |
| Net interest margin | 4.0959% | 1,077 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.1020% | 957 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6586% | 3,297 |
| Return on assets (ROA) | 0.6586% | 3,275 |
| Pretax return on assets | 0.7996% | 3,214 |
| Return on Equity (ROE) | 5.9000% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.9008% | 2,286 |
| Net charge-offs to loans | 0.0027% | 2,695 |
| Credit loss provision to net charge-offs | 1,354.5455% | 316 |
| Earnings coverage of net charge-offs (x) | 401.2727% | 351 |
| Efficiency ratio | 78.9398% | 994 |
| Assets per employee ($millions) | 7.5131% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 4,341 |
| Loan loss allowance to noncurrent loans | 76.5925% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 1,113 |
| Noncurrent loans to loans | 0.6420% | 1,224 |
| Net loans and leases to total assets | 78.1900% | 850 |
| Net loans and leases to deposits | 91.8231% | 1,111 |
| Net loans and leases to core deposits | 101.1826% | 1,369 |
| Total domestic deposits to total assets | 85.1500% | 2,265 |
| Equity capital to assets | 11.6097% | 1,250 |
| Core capital (leverage) ratio | 11.6210% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1775% | 766 |
| Memoranda: | ||
| Average total assets | $533,370,200 | 1,659 |
| Average earning assets | $484,848,200 | 1,676 |
| Average equity | $59,534,200 | 1,402 |
| Average total loans | $411,600,800 | 1,444 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 1,757 |
| Cost of funding earning assets | 0.8850% | 3,310 |
| Net interest margin | 4.1538% | 983 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 3.0951% | 934 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7072% | 3,309 |
| Return on assets (ROA) | 0.7072% | 3,288 |
| Pretax return on assets | 0.8480% | 3,220 |
| Return on Equity (ROE) | 6.4000% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.3990% | 2,500 |
| Net charge-offs to loans | 0.0032% | 2,397 |
| Credit loss provision to net charge-offs | 1,470.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 400 |
| Efficiency ratio | 77.7778% | 1,027 |
| Assets per employee ($millions) | 7.7764% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 4,354 |
| Loan loss allowance to noncurrent loans | 74.4868% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 1,144 |
| Noncurrent loans to loans | 0.6582% | 1,250 |
| Net loans and leases to total assets | 76.8600% | 1,008 |
| Net loans and leases to deposits | 89.8978% | 1,244 |
| Net loans and leases to core deposits | 98.0642% | 1,441 |
| Total domestic deposits to total assets | 85.5000% | 2,349 |
| Equity capital to assets | 11.1941% | 1,279 |
| Core capital (leverage) ratio | 11.4202% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8258% | 835 |
| Memoranda: | ||
| Average total assets | $535,234,000 | 1,654 |
| Average earning assets | $486,611,250 | 1,673 |
| Average equity | $59,153,500 | 1,399 |
| Average total loans | $411,189,250 | 1,443 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,502 |
| Cost of funding earning assets | 0.7371% | 3,383 |
| Net interest margin | 4.2981% | 807 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 3.1160% | 890 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8149% | 3,037 |
| Return on assets (ROA) | 0.8149% | 3,047 |
| Pretax return on assets | 0.9604% | 3,017 |
| Return on Equity (ROE) | 7.4100% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.4053% | 2,162 |
| Net charge-offs to loans | 0.0039% | 2,164 |
| Credit loss provision to net charge-offs | 987.5000% | 418 |
| Earnings coverage of net charge-offs (x) | 330.8750% | 418 |
| Efficiency ratio | 75.8903% | 1,181 |
| Assets per employee ($millions) | 7.4412% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3276% | 4,466 |
| Loan loss allowance to noncurrent loans | 50.7848% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 1,073 |
| Noncurrent loans to loans | 0.6451% | 1,160 |
| Net loans and leases to total assets | 78.2600% | 807 |
| Net loans and leases to deposits | 91.6176% | 1,052 |
| Net loans and leases to core deposits | 100.0874% | 1,234 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 11.3388% | 1,253 |
| Core capital (leverage) ratio | 11.4598% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5523% | 875 |
| Memoranda: | ||
| Average total assets | $534,789,000 | 1,649 |
| Average earning assets | $485,940,000 | 1,672 |
| Average equity | $58,850,000 | 1,410 |
| Average total loans | $410,102,333 | 1,433 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,551 |
| Cost of funding earning assets | 0.6059% | 3,367 |
| Net interest margin | 4.2254% | 912 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 3.1293% | 895 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7933% | 3,211 |
| Return on assets (ROA) | 0.7933% | 3,166 |
| Pretax return on assets | 0.8617% | 3,327 |
| Return on Equity (ROE) | 7.3200% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.3180% | 2,413 |
| Net charge-offs to loans | 0.0029% | 1,908 |
| Credit loss provision to net charge-offs | 1,933.3333% | 203 |
| Earnings coverage of net charge-offs (x) | 405.6667% | 273 |
| Efficiency ratio | 77.5710% | 1,037 |
| Assets per employee ($millions) | 7.5633% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3276% | 4,526 |
| Loan loss allowance to noncurrent loans | 50.7943% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,049 |
| Noncurrent loans to loans | 0.6450% | 1,167 |
| Net loans and leases to total assets | 76.0900% | 963 |
| Net loans and leases to deposits | 87.4899% | 1,252 |
| Net loans and leases to core deposits | 94.8635% | 1,337 |
| Total domestic deposits to total assets | 86.9700% | 2,277 |
| Equity capital to assets | 10.9870% | 1,343 |
| Core capital (leverage) ratio | 11.1550% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4016% | 926 |
| Memoranda: | ||
| Average total assets | $538,019,500 | 1,662 |
| Average earning assets | $488,567,500 | 1,681 |
| Average equity | $58,322,000 | 1,426 |
| Average total loans | $407,731,500 | 1,454 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 1,251 |
| Cost of funding earning assets | 0.3604% | 2,399 |
| Net interest margin | 3.8385% | 1,085 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.8104% | 1,295 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6785% | 3,678 |
| Return on assets (ROA) | 0.6785% | 3,629 |
| Pretax return on assets | 0.8832% | 3,410 |
| Return on Equity (ROE) | 6.8900% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.8945% | 2,286 |
| Net charge-offs to loans | 0.0038% | 2,324 |
| Credit loss provision to net charge-offs | 413.3333% | 762 |
| Earnings coverage of net charge-offs (x) | 338.6667% | 447 |
| Efficiency ratio | 75.8647% | 1,025 |
| Assets per employee ($millions) | 7.1872% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 4,539 |
| Loan loss allowance to noncurrent loans | 48.7509% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 1,039 |
| Noncurrent loans to loans | 0.6515% | 1,142 |
| Net loans and leases to total assets | 74.9900% | 1,131 |
| Net loans and leases to deposits | 86.0226% | 1,311 |
| Net loans and leases to core deposits | 91.2758% | 1,439 |
| Total domestic deposits to total assets | 87.1800% | 2,334 |
| Equity capital to assets | 10.6938% | 1,377 |
| Core capital (leverage) ratio | 10.7677% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2682% | 942 |
| Memoranda: | ||
| Average total assets | $568,181,600 | 1,565 |
| Average earning assets | $519,966,200 | 1,579 |
| Average equity | $55,914,400 | 1,485 |
| Average total loans | $398,342,800 | 1,395 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 1,240 |
| Cost of funding earning assets | 0.3490% | 1,714 |
| Net interest margin | 3.6669% | 1,226 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.8241% | 1,201 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5456% | 3,978 |
| Return on assets (ROA) | 0.5456% | 3,920 |
| Pretax return on assets | 0.7124% | 3,778 |
| Return on Equity (ROE) | 5.6600% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.6594% | 2,873 |
| Net charge-offs to loans | 0.0037% | 2,083 |
| Credit loss provision to net charge-offs | 490.9091% | 622 |
| Earnings coverage of net charge-offs (x) | 284.4545% | 492 |
| Efficiency ratio | 79.5731% | 798 |
| Assets per employee ($millions) | 7.5177% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3126% | 4,580 |
| Loan loss allowance to noncurrent loans | 34.0493% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 786 |
| Noncurrent loans to loans | 0.9181% | 852 |
| Net loans and leases to total assets | 72.6200% | 1,218 |
| Net loans and leases to deposits | 82.4929% | 1,404 |
| Net loans and leases to core deposits | 89.4987% | 1,328 |
| Total domestic deposits to total assets | 88.0300% | 2,431 |
| Equity capital to assets | 9.9647% | 1,646 |
| Core capital (leverage) ratio | 9.9535% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7629% | 1,034 |
| Memoranda: | ||
| Average total assets | $575,466,250 | 1,558 |
| Average earning assets | $527,523,000 | 1,575 |
| Average equity | $55,482,000 | 1,505 |
| Average total loans | $396,548,000 | 1,396 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 1,212 |
| Cost of funding earning assets | 0.3393% | 1,371 |
| Net interest margin | 3.5090% | 1,290 |
| Noninterest income to average assets | 0.1826% | 4,092 |
| Noninterest expense to average assets | 2.7745% | 1,219 |
| Loan and lease loss provision to assets | 0.0021% | 2,572 |
| Net operating income to assets | 0.4778% | 3,952 |
| Return on assets (ROA) | 0.4778% | 3,903 |
| Pretax return on assets | 0.6262% | 3,764 |
| Return on Equity (ROE) | 5.0101% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.0101% | 2,704 |
| Net charge-offs to loans | 0.0031% | 1,955 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 303.3333% | 400 |
| Efficiency ratio | 81.5360% | 834 |
| Assets per employee ($millions) | 8.0609% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3153% | 4,654 |
| Loan loss allowance to noncurrent loans | 37.0404% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 978 |
| Noncurrent loans to loans | 0.8511% | 1,005 |
| Net loans and leases to total assets | 67.5040% | 1,525 |
| Net loans and leases to deposits | 75.8651% | 1,692 |
| Net loans and leases to core deposits | 83.7061% | 1,471 |
| Total domestic deposits to total assets | 88.9790% | 2,194 |
| Equity capital to assets | 9.5747% | 1,955 |
| Core capital (leverage) ratio | 9.6904% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1643% | 970 |
| Memoranda: | ||
| Average total assets | $579,345,000 | 1,545 |
| Average earning assets | $531,665,000 | 1,579 |
| Average equity | $55,248,000 | 1,541 |
| Average total loans | $391,818,667 | 1,406 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 1,026 |
| Cost of funding earning assets | 0.3536% | 1,169 |
| Net interest margin | 3.4804% | 1,126 |
| Noninterest income to average assets | 0.1790% | 4,098 |
| Noninterest expense to average assets | 2.7663% | 1,222 |
| Loan and lease loss provision to assets | 0.0035% | 2,241 |
| Net operating income to assets | 0.4575% | 3,824 |
| Return on assets (ROA) | 0.4575% | 3,788 |
| Pretax return on assets | 0.5991% | 3,636 |
| Return on Equity (ROE) | 4.8069% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,660 |
| Net charge-offs to loans | 0.0051% | 1,575 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 174.4000% | 470 |
| Efficiency ratio | 82.1128% | 978 |
| Assets per employee ($millions) | 7.9485% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 4,679 |
| Loan loss allowance to noncurrent loans | 46.7925% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,336 |
| Noncurrent loans to loans | 0.6812% | 1,393 |
| Net loans and leases to total assets | 66.8319% | 1,325 |
| Net loans and leases to deposits | 75.0135% | 1,523 |
| Net loans and leases to core deposits | 82.9372% | 1,298 |
| Total domestic deposits to total assets | 89.0932% | 2,037 |
| Equity capital to assets | 9.5172% | 2,265 |
| Core capital (leverage) ratio | 9.6465% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2034% | 1,018 |
| Memoranda: | ||
| Average total assets | $578,826,000 | 1,560 |
| Average earning assets | $530,515,000 | 1,588 |
| Average equity | $55,087,000 | 1,598 |
| Average total loans | $391,217,500 | 1,394 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 1,610 |
| Cost of funding earning assets | 0.4483% | 1,215 |
| Net interest margin | 3.4536% | 1,873 |
| Noninterest income to average assets | 0.1798% | 4,253 |
| Noninterest expense to average assets | 2.7828% | 1,399 |
| Loan and lease loss provision to assets | 0.0126% | 2,832 |
| Net operating income to assets | 0.4125% | 4,255 |
| Return on assets (ROA) | 0.4125% | 4,293 |
| Pretax return on assets | 0.5430% | 4,190 |
| Return on Equity (ROE) | 4.2631% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.2631% | 3,105 |
| Net charge-offs to loans | 0.0018% | 2,589 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 442.2857% | 301 |
| Efficiency ratio | 83.3593% | 607 |
| Assets per employee ($millions) | 7.3090% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3152% | 4,717 |
| Loan loss allowance to noncurrent loans | 31.8602% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 956 |
| Noncurrent loans to loans | 0.9893% | 1,005 |
| Net loans and leases to total assets | 67.9185% | 1,275 |
| Net loans and leases to deposits | 76.8946% | 1,497 |
| Net loans and leases to core deposits | 85.3487% | 1,236 |
| Total domestic deposits to total assets | 88.3267% | 1,861 |
| Equity capital to assets | 9.5168% | 3,134 |
| Core capital (leverage) ratio | 9.6024% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7934% | 1,097 |
| Memoranda: | ||
| Average total assets | $557,307,200 | 1,549 |
| Average earning assets | $509,702,000 | 1,577 |
| Average equity | $53,928,200 | 1,656 |
| Average total loans | $395,181,400 | 1,391 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 1,690 |
| Cost of funding earning assets | 0.4693% | 1,219 |
| Net interest margin | 3.4573% | 1,987 |
| Noninterest income to average assets | 0.1791% | 4,303 |
| Noninterest expense to average assets | 2.8236% | 1,287 |
| Loan and lease loss provision to assets | 0.0154% | 2,691 |
| Net operating income to assets | 0.3805% | 4,401 |
| Return on assets (ROA) | 0.3805% | 4,436 |
| Pretax return on assets | 0.5007% | 4,371 |
| Return on Equity (ROE) | 3.9150% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.9150% | 3,603 |
| Net charge-offs to loans | 0.0007% | 2,430 |
| Credit loss provision to net charge-offs | 3,200.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 1,069.0000% | 155 |
| Efficiency ratio | 84.5453% | 493 |
| Assets per employee ($millions) | 7.2297% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3152% | 4,808 |
| Loan loss allowance to noncurrent loans | 31.6488% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 1,092 |
| Noncurrent loans to loans | 0.9958% | 1,157 |
| Net loans and leases to total assets | 68.6708% | 1,239 |
| Net loans and leases to deposits | 77.7835% | 1,502 |
| Net loans and leases to core deposits | 86.4537% | 1,264 |
| Total domestic deposits to total assets | 88.2846% | 1,668 |
| Equity capital to assets | 9.5284% | 3,343 |
| Core capital (leverage) ratio | 9.5981% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6558% | 1,201 |
| Memoranda: | ||
| Average total assets | $552,281,500 | 1,578 |
| Average earning assets | $504,887,750 | 1,600 |
| Average equity | $53,672,500 | 1,679 |
| Average total loans | $395,624,750 | 1,417 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 1,607 |
| Cost of funding earning assets | 0.4944% | 1,236 |
| Net interest margin | 3.4886% | 1,884 |
| Noninterest income to average assets | 0.1806% | 4,304 |
| Noninterest expense to average assets | 2.8429% | 1,264 |
| Loan and lease loss provision to assets | 0.0128% | 2,693 |
| Net operating income to assets | 0.3861% | 4,412 |
| Return on assets (ROA) | 0.3861% | 4,448 |
| Pretax return on assets | 0.5040% | 4,387 |
| Return on Equity (ROE) | 3.9459% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.9459% | 3,537 |
| Net charge-offs to loans | -0.0005% | 3,044 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6162% | 524 |
| Assets per employee ($millions) | 7.2598% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3024% | 4,847 |
| Loan loss allowance to noncurrent loans | 28.6287% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 1,083 |
| Noncurrent loans to loans | 1.0564% | 1,159 |
| Net loans and leases to total assets | 71.5316% | 1,022 |
| Net loans and leases to deposits | 81.1475% | 1,313 |
| Net loans and leases to core deposits | 89.9126% | 1,147 |
| Total domestic deposits to total assets | 88.1502% | 1,748 |
| Equity capital to assets | 9.6479% | 3,202 |
| Core capital (leverage) ratio | 9.7110% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2777% | 1,270 |
| Memoranda: | ||
| Average total assets | $545,993,667 | 1,584 |
| Average earning assets | $497,559,667 | 1,608 |
| Average equity | $53,423,000 | 1,682 |
| Average total loans | $396,349,667 | 1,423 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 1,449 |
| Cost of funding earning assets | 0.5334% | 1,188 |
| Net interest margin | 3.5400% | 1,725 |
| Noninterest income to average assets | 0.1750% | 4,321 |
| Noninterest expense to average assets | 2.8664% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3952% | 4,365 |
| Return on assets (ROA) | 0.3952% | 4,392 |
| Pretax return on assets | 0.5168% | 4,312 |
| Return on Equity (ROE) | 4.0099% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.0099% | 3,498 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7250% | 562 |
| Assets per employee ($millions) | 7.3824% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2987% | 4,874 |
| Loan loss allowance to noncurrent loans | 32.4064% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 1,419 |
| Noncurrent loans to loans | 0.9216% | 1,469 |
| Net loans and leases to total assets | 71.9222% | 1,038 |
| Net loans and leases to deposits | 81.7523% | 1,354 |
| Net loans and leases to core deposits | 89.5468% | 1,259 |
| Total domestic deposits to total assets | 87.9758% | 1,858 |
| Equity capital to assets | 9.7787% | 2,921 |
| Core capital (leverage) ratio | 9.9085% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5076% | 1,163 |
| Memoranda: | ||
| Average total assets | $539,489,000 | 1,587 |
| Average earning assets | $488,920,500 | 1,619 |
| Average equity | $53,168,500 | 1,675 |
| Average total loans | $393,986,000 | 1,438 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 1,720 |
| Cost of funding earning assets | 0.7450% | 1,482 |
| Net interest margin | 3.6055% | 2,128 |
| Noninterest income to average assets | 0.1745% | 4,413 |
| Noninterest expense to average assets | 3.0022% | 1,433 |
| Loan and lease loss provision to assets | -0.0357% | 4,925 |
| Net operating income to assets | 0.3473% | 4,355 |
| Return on assets (ROA) | 0.3473% | 4,424 |
| Pretax return on assets | 0.4535% | 4,346 |
| Return on Equity (ROE) | 3.3097% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.3097% | 3,173 |
| Net charge-offs to loans | 0.0011% | 3,386 |
| Credit loss provision to net charge-offs | -4,425.0000% | 4,310 |
| Earnings coverage of net charge-offs (x) | 518.2500% | 226 |
| Efficiency ratio | 87.7829% | 455 |
| Assets per employee ($millions) | 7.1024% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2991% | 4,903 |
| Loan loss allowance to noncurrent loans | 23.5036% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 1,027 |
| Noncurrent loans to loans | 1.2724% | 1,074 |
| Net loans and leases to total assets | 73.7229% | 1,062 |
| Net loans and leases to deposits | 84.8189% | 1,382 |
| Net loans and leases to core deposits | 93.5057% | 1,272 |
| Total domestic deposits to total assets | 86.9181% | 1,978 |
| Equity capital to assets | 9.9339% | 3,196 |
| Core capital (leverage) ratio | 10.0192% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2375% | 1,203 |
| Memoranda: | ||
| Average total assets | $496,136,200 | 1,560 |
| Average earning assets | $446,594,000 | 1,602 |
| Average equity | $52,058,600 | 1,630 |
| Average total loans | $367,302,800 | 1,459 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,839 |
| Cost of funding earning assets | 0.7864% | 1,560 |
| Net interest margin | 3.6187% | 2,208 |
| Noninterest income to average assets | 0.1695% | 4,454 |
| Noninterest expense to average assets | 2.9864% | 1,470 |
| Loan and lease loss provision to assets | -0.0485% | 4,983 |
| Net operating income to assets | 0.3688% | 4,326 |
| Return on assets (ROA) | 0.3688% | 4,386 |
| Pretax return on assets | 0.4818% | 4,315 |
| Return on Equity (ROE) | 3.4641% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,324 |
| Net charge-offs to loans | 0.0011% | 3,190 |
| Credit loss provision to net charge-offs | -5,900.0000% | 4,262 |
| Earnings coverage of net charge-offs (x) | 527.6667% | 221 |
| Efficiency ratio | 87.3269% | 447 |
| Assets per employee ($millions) | 7.0902% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 4,925 |
| Loan loss allowance to noncurrent loans | 17.1641% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 713 |
| Noncurrent loans to loans | 1.8191% | 729 |
| Net loans and leases to total assets | 71.7454% | 1,707 |
| Net loans and leases to deposits | 82.6875% | 2,043 |
| Net loans and leases to core deposits | 91.4629% | 1,843 |
| Total domestic deposits to total assets | 86.7669% | 1,746 |
| Equity capital to assets | 10.0239% | 3,208 |
| Core capital (leverage) ratio | 10.4685% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4448% | 1,149 |
| Memoranda: | ||
| Average total assets | $487,000,000 | 1,567 |
| Average earning assets | $437,423,750 | 1,612 |
| Average equity | $51,844,250 | 1,623 |
| Average total loans | $360,657,000 | 1,468 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,747 |
| Cost of funding earning assets | 0.8360% | 1,648 |
| Net interest margin | 3.7265% | 2,069 |
| Noninterest income to average assets | 0.1602% | 4,490 |
| Noninterest expense to average assets | 3.0642% | 1,432 |
| Loan and lease loss provision to assets | -0.1142% | 5,031 |
| Net operating income to assets | 0.4241% | 4,177 |
| Return on assets (ROA) | 0.4241% | 4,242 |
| Pretax return on assets | 0.5531% | 4,152 |
| Return on Equity (ROE) | 3.8996% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.8996% | 2,957 |
| Net charge-offs to loans | 0.0017% | 2,963 |
| Credit loss provision to net charge-offs | -9,033.3333% | 4,197 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 295 |
| Efficiency ratio | 87.4729% | 478 |
| Assets per employee ($millions) | 6.8254% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2991% | 4,957 |
| Loan loss allowance to noncurrent loans | 76.3918% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,167 |
| Noncurrent loans to loans | 0.3915% | 2,999 |
| Net loans and leases to total assets | 73.5333% | 1,469 |
| Net loans and leases to deposits | 85.6237% | 1,812 |
| Net loans and leases to core deposits | 90.3595% | 2,049 |
| Total domestic deposits to total assets | 85.8797% | 2,071 |
| Equity capital to assets | 10.6205% | 2,644 |
| Core capital (leverage) ratio | 10.8687% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2226% | 1,013 |
| Memoranda: | ||
| Average total assets | $474,441,667 | 1,571 |
| Average earning assets | $425,603,000 | 1,630 |
| Average equity | $51,594,667 | 1,620 |
| Average total loans | $355,006,333 | 1,476 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,465 |
| Cost of funding earning assets | 0.8987% | 1,876 |
| Net interest margin | 3.8848% | 1,719 |
| Noninterest income to average assets | 0.1846% | 4,441 |
| Noninterest expense to average assets | 3.2613% | 1,294 |
| Loan and lease loss provision to assets | 0.0446% | 3,222 |
| Net operating income to assets | 0.2816% | 4,383 |
| Return on assets (ROA) | 0.2816% | 4,403 |
| Pretax return on assets | 0.3743% | 4,343 |
| Return on Equity (ROE) | 2.5577% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.5577% | 3,245 |
| Net charge-offs to loans | 0.0023% | 2,510 |
| Credit loss provision to net charge-offs | 2,600.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 281 |
| Efficiency ratio | 88.6167% | 553 |
| Assets per employee ($millions) | 6.0937% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3961% | 4,948 |
| Loan loss allowance to noncurrent loans | 100.5710% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 3,259 |
| Noncurrent loans to loans | 0.3938% | 3,074 |
| Net loans and leases to total assets | 75.5110% | 1,384 |
| Net loans and leases to deposits | 88.1967% | 1,737 |
| Net loans and leases to core deposits | 93.1432% | 2,051 |
| Total domestic deposits to total assets | 85.6165% | 2,163 |
| Equity capital to assets | 10.9795% | 2,873 |
| Core capital (leverage) ratio | 11.0365% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4503% | 1,075 |
| Memoranda: | ||
| Average total assets | $465,949,500 | 1,549 |
| Average earning assets | $419,275,500 | 1,602 |
| Average equity | $51,296,000 | 1,615 |
| Average total loans | $351,286,500 | 1,450 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,800 |
| Cost of funding earning assets | 0.8244% | 2,569 |
| Net interest margin | 4.0596% | 1,651 |
| Noninterest income to average assets | 0.1973% | 4,481 |
| Noninterest expense to average assets | 3.2764% | 1,347 |
| Loan and lease loss provision to assets | 0.0177% | 3,659 |
| Net operating income to assets | 0.4232% | 4,552 |
| Return on assets (ROA) | 0.4232% | 4,582 |
| Pretax return on assets | 0.5532% | 4,485 |
| Return on Equity (ROE) | 3.7329% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.7329% | 3,121 |
| Net charge-offs to loans | 0.0018% | 3,647 |
| Credit loss provision to net charge-offs | 1,300.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 419.5000% | 222 |
| Efficiency ratio | 85.1609% | 595 |
| Assets per employee ($millions) | 6.0088% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3918% | 4,994 |
| Loan loss allowance to noncurrent loans | 72.2872% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 2,774 |
| Noncurrent loans to loans | 0.5420% | 2,549 |
| Net loans and leases to total assets | 74.6722% | 1,632 |
| Net loans and leases to deposits | 88.4354% | 1,781 |
| Net loans and leases to core deposits | 92.7715% | 2,179 |
| Total domestic deposits to total assets | 84.4370% | 2,711 |
| Equity capital to assets | 11.0387% | 2,956 |
| Core capital (leverage) ratio | 11.1803% | 2,356 |
| Tier 1 risk-based capital ratio | 18.1924% | 1,715 |
| Total risk-based capital ratio | 18.6763% | 1,872 |
| Memoranda: | ||
| Average total assets | $440,884,600 | 1,596 |
| Average earning assets | $396,390,800 | 1,645 |
| Average equity | $49,988,600 | 1,602 |
| Average total loans | $333,576,000 | 1,486 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,818 |
| Cost of funding earning assets | 0.7985% | 2,728 |
| Net interest margin | 4.1019% | 1,604 |
| Noninterest income to average assets | 0.1993% | 4,522 |
| Noninterest expense to average assets | 3.3103% | 1,245 |
| Loan and lease loss provision to assets | 0.0073% | 3,739 |
| Net operating income to assets | 0.4333% | 4,651 |
| Return on assets (ROA) | 0.4333% | 4,685 |
| Pretax return on assets | 0.5656% | 4,599 |
| Return on Equity (ROE) | 3.7947% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.7947% | 3,499 |
| Net charge-offs to loans | 0.0020% | 3,371 |
| Credit loss provision to net charge-offs | 480.0000% | 652 |
| Earnings coverage of net charge-offs (x) | 374.0030% | 265 |
| Efficiency ratio | 85.2468% | 538 |
| Assets per employee ($millions) | 5.7254% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3798% | 5,075 |
| Loan loss allowance to noncurrent loans | 41.5130% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 1,958 |
| Noncurrent loans to loans | 0.9150% | 1,747 |
| Net loans and leases to total assets | 75.7313% | 1,526 |
| Net loans and leases to deposits | 89.9663% | 1,701 |
| Net loans and leases to core deposits | 94.2055% | 2,162 |
| Total domestic deposits to total assets | 84.1774% | 2,758 |
| Equity capital to assets | 11.2005% | 2,924 |
| Core capital (leverage) ratio | 11.3980% | 2,301 |
| Tier 1 risk-based capital ratio | 18.0238% | 1,808 |
| Total risk-based capital ratio | 18.4886% | 1,972 |
| Memoranda: | ||
| Average total assets | $435,435,500 | 1,619 |
| Average earning assets | $391,060,500 | 1,672 |
| Average equity | $49,717,250 | 1,610 |
| Average total loans | $330,256,750 | 1,506 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 1,602 |
| Cost of funding earning assets | 0.7633% | 2,834 |
| Net interest margin | 4.1913% | 1,390 |
| Noninterest income to average assets | 0.2001% | 4,551 |
| Noninterest expense to average assets | 3.3441% | 1,205 |
| Loan and lease loss provision to assets | 0.0037% | 3,641 |
| Net operating income to assets | 0.4658% | 4,605 |
| Return on assets (ROA) | 0.4658% | 4,637 |
| Pretax return on assets | 0.6081% | 4,528 |
| Return on Equity (ROE) | 4.0515% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.0515% | 3,218 |
| Net charge-offs to loans | 0.0018% | 3,112 |
| Credit loss provision to net charge-offs | 266.6667% | 971 |
| Earnings coverage of net charge-offs (x) | 438.3333% | 172 |
| Efficiency ratio | 84.5331% | 617 |
| Assets per employee ($millions) | 5.5352% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3966% | 5,110 |
| Loan loss allowance to noncurrent loans | 70.2938% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 2,834 |
| Noncurrent loans to loans | 0.5642% | 2,569 |
| Net loans and leases to total assets | 74.2047% | 1,854 |
| Net loans and leases to deposits | 88.5779% | 1,929 |
| Net loans and leases to core deposits | 92.0128% | 2,419 |
| Total domestic deposits to total assets | 83.7734% | 2,956 |
| Equity capital to assets | 11.4693% | 2,623 |
| Core capital (leverage) ratio | 11.5156% | 2,153 |
| Tier 1 risk-based capital ratio | 19.0362% | 1,549 |
| Total risk-based capital ratio | 19.5259% | 1,692 |
| Memoranda: | ||
| Average total assets | $429,829,670 | 1,638 |
| Average earning assets | $385,174,330 | 1,703 |
| Average equity | $49,414,000 | 1,610 |
| Average total loans | $325,728,670 | 1,533 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,391 |
| Cost of funding earning assets | 0.7256% | 2,917 |
| Net interest margin | 4.2520% | 1,192 |
| Noninterest income to average assets | 0.2009% | 4,554 |
| Noninterest expense to average assets | 3.3898% | 1,127 |
| Loan and lease loss provision to assets | 0.0225% | 3,146 |
| Net operating income to assets | 0.4553% | 4,629 |
| Return on assets (ROA) | 0.4553% | 4,645 |
| Pretax return on assets | 0.5952% | 4,526 |
| Return on Equity (ROE) | 3.9556% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.9556% | 3,328 |
| Net charge-offs to loans | 0.0012% | 2,720 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 101 |
| Efficiency ratio | 84.5866% | 666 |
| Assets per employee ($millions) | 5.6026% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4025% | 5,172 |
| Loan loss allowance to noncurrent loans | 71.7022% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,896 |
| Noncurrent loans to loans | 0.5614% | 2,639 |
| Net loans and leases to total assets | 75.1362% | 1,620 |
| Net loans and leases to deposits | 89.5884% | 1,676 |
| Net loans and leases to core deposits | 92.6281% | 2,245 |
| Total domestic deposits to total assets | 83.8682% | 3,091 |
| Equity capital to assets | 11.4466% | 2,446 |
| Core capital (leverage) ratio | 11.6957% | 1,988 |
| Tier 1 risk-based capital ratio | 18.7229% | 1,606 |
| Total risk-based capital ratio | 19.2163% | 1,766 |
| Memoranda: | ||
| Average total assets | $426,103,500 | 1,657 |
| Average earning assets | $381,471,500 | 1,727 |
| Average equity | $49,044,500 | 1,605 |
| Average total loans | $325,705,000 | 1,536 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 1,535 |
| Cost of funding earning assets | 0.5604% | 2,985 |
| Net interest margin | 4.2464% | 1,289 |
| Noninterest income to average assets | 0.2245% | 4,582 |
| Noninterest expense to average assets | 3.3189% | 1,279 |
| Loan and lease loss provision to assets | 0.0053% | 4,010 |
| Net operating income to assets | 0.5365% | 4,579 |
| Return on assets (ROA) | 0.5365% | 4,576 |
| Pretax return on assets | 0.7132% | 4,379 |
| Return on Equity (ROE) | 4.6325% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.6325% | 2,972 |
| Net charge-offs to loans | 0.0039% | 3,590 |
| Credit loss provision to net charge-offs | 183.3333% | 1,544 |
| Earnings coverage of net charge-offs (x) | 246.6667% | 380 |
| Efficiency ratio | 82.2030% | 784 |
| Assets per employee ($millions) | 5.0699% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3948% | 5,220 |
| Loan loss allowance to noncurrent loans | 86.0870% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,123 |
| Noncurrent loans to loans | 0.4586% | 2,896 |
| Net loans and leases to total assets | 77.1555% | 1,415 |
| Net loans and leases to deposits | 92.2071% | 1,521 |
| Net loans and leases to core deposits | 94.7046% | 2,166 |
| Total domestic deposits to total assets | 83.6763% | 3,093 |
| Equity capital to assets | 11.5750% | 2,197 |
| Core capital (leverage) ratio | 11.5850% | 2,036 |
| Tier 1 risk-based capital ratio | 18.5303% | 1,611 |
| Total risk-based capital ratio | 19.0185% | 1,777 |
| Memoranda: | ||
| Average total assets | $411,941,400 | 1,660 |
| Average earning assets | $369,893,800 | 1,722 |
| Average equity | $47,706,800 | 1,578 |
| Average total loans | $311,528,400 | 1,549 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,597 |
| Cost of funding earning assets | 0.5176% | 3,077 |
| Net interest margin | 4.2108% | 1,328 |
| Noninterest income to average assets | 0.2307% | 4,587 |
| Noninterest expense to average assets | 3.2704% | 1,366 |
| Loan and lease loss provision to assets | 0.0020% | 3,926 |
| Net operating income to assets | 0.5519% | 4,641 |
| Return on assets (ROA) | 0.5519% | 4,648 |
| Pretax return on assets | 0.7387% | 4,446 |
| Return on Equity (ROE) | 4.7650% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.7650% | 3,363 |
| Net charge-offs to loans | 0.0039% | 3,328 |
| Credit loss provision to net charge-offs | 66.6667% | 2,665 |
| Earnings coverage of net charge-offs (x) | 252.8825% | 365 |
| Efficiency ratio | 81.5350% | 810 |
| Assets per employee ($millions) | 5.2927% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3945% | 5,285 |
| Loan loss allowance to noncurrent loans | 47.8065% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 2,292 |
| Noncurrent loans to loans | 0.8252% | 2,053 |
| Net loans and leases to total assets | 76.0292% | 1,657 |
| Net loans and leases to deposits | 90.5812% | 1,815 |
| Net loans and leases to core deposits | 92.4104% | 2,438 |
| Total domestic deposits to total assets | 83.9349% | 2,968 |
| Equity capital to assets | 11.3494% | 2,360 |
| Core capital (leverage) ratio | 11.5750% | 2,113 |
| Tier 1 risk-based capital ratio | 18.1166% | 1,760 |
| Total risk-based capital ratio | 18.5955% | 1,934 |
| Memoranda: | ||
| Average total assets | $409,725,750 | 1,676 |
| Average earning assets | $367,835,500 | 1,739 |
| Average equity | $47,456,500 | 1,587 |
| Average total loans | $307,898,000 | 1,566 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,505 |
| Cost of funding earning assets | 0.4757% | 3,189 |
| Net interest margin | 4.2275% | 1,216 |
| Noninterest income to average assets | 0.2364% | 4,599 |
| Noninterest expense to average assets | 3.3068% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5282% | 4,682 |
| Return on assets (ROA) | 0.5282% | 4,688 |
| Pretax return on assets | 0.7197% | 4,459 |
| Return on Equity (ROE) | 4.5284% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5284% | 3,329 |
| Net charge-offs to loans | 0.0218% | 2,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.1818% | 1,220 |
| Efficiency ratio | 82.1258% | 823 |
| Assets per employee ($millions) | 5.3096% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3920% | 5,358 |
| Loan loss allowance to noncurrent loans | 43.9757% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 2,213 |
| Noncurrent loans to loans | 0.8914% | 1,938 |
| Net loans and leases to total assets | 75.4630% | 1,722 |
| Net loans and leases to deposits | 90.1752% | 1,815 |
| Net loans and leases to core deposits | 91.6430% | 2,431 |
| Total domestic deposits to total assets | 83.6849% | 3,182 |
| Equity capital to assets | 11.4975% | 2,201 |
| Core capital (leverage) ratio | 11.6315% | 1,959 |
| Tier 1 risk-based capital ratio | 18.7943% | 1,604 |
| Total risk-based capital ratio | 19.2750% | 1,757 |
| Memoranda: | ||
| Average total assets | $405,162,330 | 1,703 |
| Average earning assets | $363,239,000 | 1,765 |
| Average equity | $47,257,000 | 1,597 |
| Average total loans | $302,799,000 | 1,590 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,291 |
| Cost of funding earning assets | 0.4029% | 3,555 |
| Net interest margin | 4.3030% | 946 |
| Noninterest income to average assets | 0.2396% | 4,566 |
| Noninterest expense to average assets | 3.3664% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5371% | 4,612 |
| Return on assets (ROA) | 0.5371% | 4,615 |
| Pretax return on assets | 0.7328% | 4,343 |
| Return on Equity (ROE) | 4.5712% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5712% | 3,372 |
| Net charge-offs to loans | 0.0444% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 22.2424% | 1,406 |
| Efficiency ratio | 82.1237% | 932 |
| Assets per employee ($millions) | 5.2540% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4077% | 5,424 |
| Loan loss allowance to noncurrent loans | 87.5445% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 3,469 |
| Noncurrent loans to loans | 0.4657% | 3,135 |
| Net loans and leases to total assets | 73.3244% | 1,976 |
| Net loans and leases to deposits | 87.6016% | 1,981 |
| Net loans and leases to core deposits | 88.7241% | 2,571 |
| Total domestic deposits to total assets | 83.7022% | 3,432 |
| Equity capital to assets | 11.5129% | 2,118 |
| Core capital (leverage) ratio | 11.9438% | 1,683 |
| Tier 1 risk-based capital ratio | 18.8816% | 1,578 |
| Total risk-based capital ratio | 19.3699% | 1,750 |
| Memoranda: | ||
| Average total assets | $400,668,500 | 1,734 |
| Average earning assets | $359,377,500 | 1,787 |
| Average equity | $47,077,000 | 1,610 |
| Average total loans | $297,318,500 | 1,618 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,847 |
| Cost of funding earning assets | 0.3155% | 3,997 |
| Net interest margin | 4.1444% | 1,314 |
| Noninterest income to average assets | 0.2719% | 4,499 |
| Noninterest expense to average assets | 3.2444% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3440% | 4,842 |
| Return on assets (ROA) | 0.3440% | 4,867 |
| Pretax return on assets | 0.7851% | 4,289 |
| Return on Equity (ROE) | 2.8672% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.8672% | 3,599 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5154% | 1,057 |
| Assets per employee ($millions) | 5.0848% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4312% | 5,462 |
| Loan loss allowance to noncurrent loans | 54.6044% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,583 |
| Noncurrent loans to loans | 0.7896% | 2,241 |
| Net loans and leases to total assets | 74.4912% | 1,837 |
| Net loans and leases to deposits | 85.7352% | 2,294 |
| Net loans and leases to core deposits | 86.4924% | 2,874 |
| Total domestic deposits to total assets | 86.8852% | 2,051 |
| Equity capital to assets | 11.9974% | 1,840 |
| Core capital (leverage) ratio | 11.9815% | 1,609 |
| Tier 1 risk-based capital ratio | 19.2534% | 1,457 |
| Total risk-based capital ratio | 19.7706% | 1,599 |
| Memoranda: | ||
| Average total assets | $388,081,200 | 1,761 |
| Average earning assets | $351,873,400 | 1,790 |
| Average equity | $46,560,400 | 1,619 |
| Average total loans | $277,957,200 | 1,668 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 2,015 |
| Cost of funding earning assets | 0.2994% | 4,138 |
| Net interest margin | 4.0806% | 1,445 |
| Noninterest income to average assets | 0.2779% | 4,524 |
| Noninterest expense to average assets | 3.1885% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4920% | 4,750 |
| Return on assets (ROA) | 0.4920% | 4,784 |
| Pretax return on assets | 0.8019% | 4,343 |
| Return on Equity (ROE) | 4.1012% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.1012% | 3,475 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9034% | 1,118 |
| Assets per employee ($millions) | 4.9668% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4382% | 5,528 |
| Loan loss allowance to noncurrent loans | 50.9381% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,591 |
| Noncurrent loans to loans | 0.8602% | 2,216 |
| Net loans and leases to total assets | 73.8919% | 1,932 |
| Net loans and leases to deposits | 85.0733% | 2,423 |
| Net loans and leases to core deposits | 85.8252% | 2,985 |
| Total domestic deposits to total assets | 86.8567% | 1,927 |
| Equity capital to assets | 12.0346% | 1,945 |
| Core capital (leverage) ratio | 12.0288% | 1,667 |
| Tier 1 risk-based capital ratio | 19.4220% | 1,496 |
| Total risk-based capital ratio | 19.9481% | 1,626 |
| Memoranda: | ||
| Average total assets | $387,219,500 | 1,771 |
| Average earning assets | $352,295,250 | 1,801 |
| Average equity | $46,457,250 | 1,638 |
| Average total loans | $274,217,250 | 1,697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,221 |
| Cost of funding earning assets | 0.2940% | 4,138 |
| Net interest margin | 3.9785% | 1,678 |
| Noninterest income to average assets | 0.2833% | 4,528 |
| Noninterest expense to average assets | 3.1735% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4472% | 4,860 |
| Return on assets (ROA) | 0.4472% | 4,882 |
| Pretax return on assets | 0.7393% | 4,456 |
| Return on Equity (ROE) | 3.7314% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,483 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1058% | 1,095 |
| Assets per employee ($millions) | 4.8711% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4618% | 5,553 |
| Loan loss allowance to noncurrent loans | 38.0101% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8615% | 2,058 |
| Noncurrent loans to loans | 1.2149% | 1,604 |
| Net loans and leases to total assets | 70.5803% | 2,431 |
| Net loans and leases to deposits | 81.1620% | 2,786 |
| Net loans and leases to core deposits | 81.8815% | 3,262 |
| Total domestic deposits to total assets | 86.9622% | 1,972 |
| Equity capital to assets | 11.9728% | 1,949 |
| Core capital (leverage) ratio | 11.9303% | 1,671 |
| Tier 1 risk-based capital ratio | 20.0100% | 1,370 |
| Total risk-based capital ratio | 20.5585% | 1,464 |
| Memoranda: | ||
| Average total assets | $385,500,670 | 1,779 |
| Average earning assets | $351,694,000 | 1,810 |
| Average equity | $46,202,670 | 1,641 |
| Average total loans | $268,553,000 | 1,725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,069 |
| Cost of funding earning assets | 0.2869% | 4,173 |
| Net interest margin | 3.9741% | 1,542 |
| Noninterest income to average assets | 0.3015% | 4,403 |
| Noninterest expense to average assets | 3.1914% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4455% | 4,797 |
| Return on assets (ROA) | 0.4455% | 4,819 |
| Pretax return on assets | 0.7376% | 4,315 |
| Return on Equity (ROE) | 3.7150% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.7150% | 3,584 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2268% | 1,234 |
| Assets per employee ($millions) | 4.5923% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4794% | 5,612 |
| Loan loss allowance to noncurrent loans | 50.3750% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 2,666 |
| Noncurrent loans to loans | 0.9517% | 2,141 |
| Net loans and leases to total assets | 68.6641% | 2,575 |
| Net loans and leases to deposits | 78.8573% | 2,882 |
| Net loans and leases to core deposits | 79.4889% | 3,339 |
| Total domestic deposits to total assets | 87.0740% | 2,176 |
| Equity capital to assets | 11.9633% | 1,869 |
| Core capital (leverage) ratio | 12.0610% | 1,587 |
| Tier 1 risk-based capital ratio | 20.4252% | 1,312 |
| Total risk-based capital ratio | 20.9904% | 1,412 |
| Memoranda: | ||
| Average total assets | $383,405,500 | 1,802 |
| Average earning assets | $349,968,500 | 1,826 |
| Average equity | $45,975,500 | 1,646 |
| Average total loans | $264,669,000 | 1,756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 2,013 |
| Cost of funding earning assets | 0.2976% | 4,094 |
| Net interest margin | 4.0420% | 1,519 |
| Noninterest income to average assets | 0.2555% | 4,890 |
| Noninterest expense to average assets | 3.1312% | 1,947 |
| Loan and lease loss provision to assets | -0.0180% | 5,516 |
| Net operating income to assets | 0.4833% | 4,696 |
| Return on assets (ROA) | 0.4624% | 4,844 |
| Pretax return on assets | 0.7681% | 4,278 |
| Return on Equity (ROE) | 3.9241% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.9241% | 3,132 |
| Net charge-offs to loans | -0.0263% | 5,197 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0013% | 1,419 |
| Assets per employee ($millions) | 4.8235% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 5,671 |
| Loan loss allowance to noncurrent loans | 33.1085% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 1,874 |
| Noncurrent loans to loans | 1.4644% | 1,383 |
| Net loans and leases to total assets | 68.7329% | 2,662 |
| Net loans and leases to deposits | 79.0381% | 2,989 |
| Net loans and leases to core deposits | 79.7730% | 3,412 |
| Total domestic deposits to total assets | 86.9617% | 2,170 |
| Equity capital to assets | 12.0198% | 1,789 |
| Core capital (leverage) ratio | 12.0204% | 1,585 |
| Tier 1 risk-based capital ratio | 20.5684% | 1,282 |
| Total risk-based capital ratio | 21.1429% | 1,361 |
| Memoranda: | ||
| Average total assets | $382,754,600 | 1,751 |
| Average earning assets | $346,433,800 | 1,796 |
| Average equity | $45,105,400 | 1,664 |
| Average total loans | $262,093,600 | 1,721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,053 |
| Cost of funding earning assets | 0.2992% | 4,106 |
| Net interest margin | 4.0362% | 1,563 |
| Noninterest income to average assets | 0.2561% | 4,930 |
| Noninterest expense to average assets | 3.1170% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4739% | 4,788 |
| Return on assets (ROA) | 0.4461% | 4,970 |
| Pretax return on assets | 0.7432% | 4,492 |
| Return on Equity (ROE) | 3.8042% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.8042% | 3,604 |
| Net charge-offs to loans | -0.0351% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8467% | 1,455 |
| Assets per employee ($millions) | 4.7151% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 5,723 |
| Loan loss allowance to noncurrent loans | 31.4693% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 1,813 |
| Noncurrent loans to loans | 1.6157% | 1,330 |
| Net loans and leases to total assets | 68.9090% | 2,655 |
| Net loans and leases to deposits | 79.2073% | 3,060 |
| Net loans and leases to core deposits | 80.2108% | 3,427 |
| Total domestic deposits to total assets | 86.9984% | 1,901 |
| Equity capital to assets | 11.9742% | 2,134 |
| Core capital (leverage) ratio | 11.8101% | 1,804 |
| Tier 1 risk-based capital ratio | 20.5380% | 1,349 |
| Total risk-based capital ratio | 21.1492% | 1,428 |
| Memoranda: | ||
| Average total assets | $383,179,500 | 1,747 |
| Average earning assets | $346,288,250 | 1,795 |
| Average equity | $44,931,250 | 1,674 |
| Average total loans | $261,820,500 | 1,728 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,001 |
| Cost of funding earning assets | 0.3012% | 4,114 |
| Net interest margin | 4.0438% | 1,516 |
| Noninterest income to average assets | 0.2581% | 4,933 |
| Noninterest expense to average assets | 3.1309% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4604% | 4,836 |
| Return on assets (ROA) | 0.4187% | 5,065 |
| Pretax return on assets | 0.6950% | 4,631 |
| Return on Equity (ROE) | 3.5957% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.5957% | 3,602 |
| Net charge-offs to loans | -0.0529% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4636% | 1,450 |
| Assets per employee ($millions) | 4.7775% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5149% | 5,787 |
| Loan loss allowance to noncurrent loans | 45.0134% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 2,643 |
| Noncurrent loans to loans | 1.1438% | 2,011 |
| Net loans and leases to total assets | 67.9986% | 2,774 |
| Net loans and leases to deposits | 78.0339% | 3,155 |
| Net loans and leases to core deposits | 78.8739% | 3,564 |
| Total domestic deposits to total assets | 87.1398% | 1,839 |
| Equity capital to assets | 11.8667% | 2,221 |
| Core capital (leverage) ratio | 11.6626% | 1,862 |
| Tier 1 risk-based capital ratio | 20.5672% | 1,334 |
| Total risk-based capital ratio | 21.1858% | 1,430 |
| Memoranda: | ||
| Average total assets | $383,599,000 | 1,746 |
| Average earning assets | $344,624,000 | 1,804 |
| Average equity | $44,664,330 | 1,685 |
| Average total loans | $260,919,670 | 1,727 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 1,951 |
| Cost of funding earning assets | 0.3030% | 4,131 |
| Net interest margin | 4.0515% | 1,474 |
| Noninterest income to average assets | 0.2602% | 4,871 |
| Noninterest expense to average assets | 3.2183% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4257% | 4,918 |
| Return on assets (ROA) | 0.4257% | 4,994 |
| Pretax return on assets | 0.6745% | 4,610 |
| Return on Equity (ROE) | 3.6914% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,646 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6738% | 1,298 |
| Assets per employee ($millions) | 4.4038% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4898% | 5,871 |
| Loan loss allowance to noncurrent loans | 41.0950% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 2,662 |
| Noncurrent loans to loans | 1.1920% | 2,034 |
| Net loans and leases to total assets | 67.6565% | 2,700 |
| Net loans and leases to deposits | 77.4082% | 3,064 |
| Net loans and leases to core deposits | 78.1652% | 3,476 |
| Total domestic deposits to total assets | 87.4022% | 1,992 |
| Equity capital to assets | 11.6501% | 2,286 |
| Core capital (leverage) ratio | 11.5660% | 1,930 |
| Tier 1 risk-based capital ratio | 20.2891% | 1,443 |
| Total risk-based capital ratio | 20.8748% | 1,550 |
| Memoranda: | ||
| Average total assets | $384,300,500 | 1,743 |
| Average earning assets | $344,564,500 | 1,806 |
| Average equity | $44,319,500 | 1,693 |
| Average total loans | $260,763,000 | 1,722 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 2,052 |
| Cost of funding earning assets | 0.3130% | 4,098 |
| Net interest margin | 4.0390% | 1,592 |
| Noninterest income to average assets | 0.2640% | 4,990 |
| Noninterest expense to average assets | 3.0769% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5251% | 4,600 |
| Return on assets (ROA) | 0.5251% | 4,681 |
| Pretax return on assets | 0.8404% | 4,062 |
| Return on Equity (ROE) | 4.7200% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.7200% | 2,630 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5455% | 1,878 |
| Assets per employee ($millions) | 4.2830% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4888% | 5,928 |
| Loan loss allowance to noncurrent loans | 39.4802% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 2,573 |
| Noncurrent loans to loans | 1.2381% | 1,907 |
| Net loans and leases to total assets | 67.3881% | 2,803 |
| Net loans and leases to deposits | 76.9603% | 3,160 |
| Net loans and leases to core deposits | 77.6937% | 3,578 |
| Total domestic deposits to total assets | 87.5622% | 1,862 |
| Equity capital to assets | 11.4157% | 2,430 |
| Core capital (leverage) ratio | 11.3634% | 2,075 |
| Tier 1 risk-based capital ratio | 20.2832% | 1,428 |
| Total risk-based capital ratio | 20.8742% | 1,528 |
| Memoranda: | ||
| Average total assets | $387,175,800 | 1,697 |
| Average earning assets | $350,207,800 | 1,728 |
| Average equity | $43,072,000 | 1,701 |
| Average total loans | $262,203,400 | 1,657 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,206 |
| Cost of funding earning assets | 0.3145% | 4,171 |
| Net interest margin | 3.9927% | 1,727 |
| Noninterest income to average assets | 0.2656% | 5,036 |
| Noninterest expense to average assets | 3.0567% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5125% | 4,745 |
| Return on assets (ROA) | 0.5125% | 4,833 |
| Pretax return on assets | 0.8335% | 4,230 |
| Return on Equity (ROE) | 4.6374% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.6374% | 3,175 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5746% | 1,878 |
| Assets per employee ($millions) | 4.2878% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4812% | 6,032 |
| Loan loss allowance to noncurrent loans | 34.0085% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 2,419 |
| Noncurrent loans to loans | 1.4149% | 1,792 |
| Net loans and leases to total assets | 68.3850% | 2,621 |
| Net loans and leases to deposits | 77.8993% | 3,108 |
| Net loans and leases to core deposits | 78.6398% | 3,551 |
| Total domestic deposits to total assets | 87.7864% | 1,661 |
| Equity capital to assets | 11.2916% | 2,707 |
| Core capital (leverage) ratio | 11.2002% | 2,301 |
| Tier 1 risk-based capital ratio | 20.0025% | 1,548 |
| Total risk-based capital ratio | 20.5924% | 1,667 |
| Memoranda: | ||
| Average total assets | $387,602,250 | 1,709 |
| Average earning assets | $351,870,500 | 1,730 |
| Average equity | $42,839,000 | 1,721 |
| Average total loans | $262,495,000 | 1,666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,236 |
| Cost of funding earning assets | 0.3152% | 4,218 |
| Net interest margin | 3.9656% | 1,756 |
| Noninterest income to average assets | 0.2643% | 5,060 |
| Noninterest expense to average assets | 3.0502% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4982% | 4,773 |
| Return on assets (ROA) | 0.4982% | 4,880 |
| Pretax return on assets | 0.8244% | 4,234 |
| Return on Equity (ROE) | 4.5406% | 4,805 |
| Retained earnings to average equity (ytd only) | 4.5406% | 3,139 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7234% | 1,962 |
| Assets per employee ($millions) | 4.4766% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4799% | 6,105 |
| Loan loss allowance to noncurrent loans | 44.1828% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 3,140 |
| Noncurrent loans to loans | 1.0862% | 2,479 |
| Net loans and leases to total assets | 68.7332% | 2,529 |
| Net loans and leases to deposits | 78.0307% | 3,026 |
| Net loans and leases to core deposits | 78.8291% | 3,501 |
| Total domestic deposits to total assets | 88.0849% | 1,608 |
| Equity capital to assets | 11.1117% | 2,765 |
| Core capital (leverage) ratio | 10.9917% | 2,428 |
| Tier 1 risk-based capital ratio | 19.9615% | 1,555 |
| Total risk-based capital ratio | 20.5574% | 1,687 |
| Memoranda: | ||
| Average total assets | $388,168,000 | 1,717 |
| Average earning assets | $353,389,670 | 1,732 |
| Average equity | $42,593,670 | 1,733 |
| Average total loans | $261,601,000 | 1,674 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 2,248 |
| Cost of funding earning assets | 0.3180% | 4,247 |
| Net interest margin | 3.9383% | 1,755 |
| Noninterest income to average assets | 0.2504% | 5,167 |
| Noninterest expense to average assets | 2.9957% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5142% | 4,605 |
| Return on assets (ROA) | 0.5142% | 4,728 |
| Pretax return on assets | 0.8395% | 4,102 |
| Return on Equity (ROE) | 4.7152% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.7152% | 3,211 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1108% | 2,171 |
| Assets per employee ($millions) | 4.3873% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 6,171 |
| Loan loss allowance to noncurrent loans | 53.2110% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,650 |
| Noncurrent loans to loans | 0.9270% | 2,925 |
| Net loans and leases to total assets | 65.9206% | 2,789 |
| Net loans and leases to deposits | 74.7846% | 3,184 |
| Net loans and leases to core deposits | 75.4660% | 3,643 |
| Total domestic deposits to total assets | 88.1474% | 1,735 |
| Equity capital to assets | 10.9872% | 2,982 |
| Core capital (leverage) ratio | 10.8784% | 2,538 |
| Tier 1 risk-based capital ratio | 20.9044% | 1,442 |
| Total risk-based capital ratio | 21.5345% | 1,531 |
| Memoranda: | ||
| Average total assets | $389,757,000 | 1,714 |
| Average earning assets | $354,770,000 | 1,729 |
| Average equity | $42,501,000 | 1,747 |
| Average total loans | $259,455,500 | 1,688 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,839 |
| Cost of funding earning assets | 0.3327% | 4,461 |
| Net interest margin | 3.8997% | 2,244 |
| Noninterest income to average assets | 0.2777% | 5,126 |
| Noninterest expense to average assets | 2.7993% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6660% | 4,057 |
| Return on assets (ROA) | 0.6530% | 4,230 |
| Pretax return on assets | 0.9946% | 3,518 |
| Return on Equity (ROE) | 6.4262% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.4262% | 1,695 |
| Net charge-offs to loans | 0.0272% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 57.3000% | 822 |
| Efficiency ratio | 73.4019% | 2,946 |
| Assets per employee ($millions) | 5.1190% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 6,267 |
| Loan loss allowance to noncurrent loans | 43.1227% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 3,312 |
| Noncurrent loans to loans | 1.1371% | 2,565 |
| Net loans and leases to total assets | 66.5628% | 2,798 |
| Net loans and leases to deposits | 75.2245% | 3,287 |
| Net loans and leases to core deposits | 76.0103% | 3,710 |
| Total domestic deposits to total assets | 88.4856% | 1,533 |
| Equity capital to assets | 10.8214% | 3,098 |
| Core capital (leverage) ratio | 10.7650% | 2,657 |
| Tier 1 risk-based capital ratio | 20.2974% | 1,531 |
| Total risk-based capital ratio | 20.9163% | 1,633 |
| Memoranda: | ||
| Average total assets | $395,418,600 | 1,662 |
| Average earning assets | $358,539,200 | 1,669 |
| Average equity | $40,179,400 | 1,775 |
| Average total loans | $257,815,400 | 1,644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,868 |
| Cost of funding earning assets | 0.3337% | 4,530 |
| Net interest margin | 3.9007% | 2,244 |
| Noninterest income to average assets | 0.2818% | 5,188 |
| Noninterest expense to average assets | 2.7851% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6031% | 4,435 |
| Return on assets (ROA) | 0.5864% | 4,588 |
| Pretax return on assets | 1.0031% | 3,582 |
| Return on Equity (ROE) | 5.8639% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.8639% | 2,495 |
| Net charge-offs to loans | 0.0067% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 235.8084% | 284 |
| Efficiency ratio | 73.0146% | 2,995 |
| Assets per employee ($millions) | 4.8354% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5121% | 6,325 |
| Loan loss allowance to noncurrent loans | 47.3553% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 3,659 |
| Noncurrent loans to loans | 1.0814% | 2,911 |
| Net loans and leases to total assets | 66.1668% | 2,834 |
| Net loans and leases to deposits | 74.5170% | 3,369 |
| Net loans and leases to core deposits | 75.2372% | 3,834 |
| Total domestic deposits to total assets | 88.7942% | 1,357 |
| Equity capital to assets | 10.4412% | 3,632 |
| Core capital (leverage) ratio | 10.4695% | 3,077 |
| Tier 1 risk-based capital ratio | 19.8594% | 1,706 |
| Total risk-based capital ratio | 20.5054% | 1,811 |
| Memoranda: | ||
| Average total assets | $397,012,500 | 1,669 |
| Average earning assets | $359,554,750 | 1,690 |
| Average equity | $39,699,250 | 1,799 |
| Average total loans | $257,210,750 | 1,655 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,693 |
| Cost of funding earning assets | 0.3352% | 4,582 |
| Net interest margin | 3.9377% | 2,020 |
| Noninterest income to average assets | 0.2834% | 5,155 |
| Noninterest expense to average assets | 2.7694% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6330% | 4,191 |
| Return on assets (ROA) | 0.6234% | 4,327 |
| Pretax return on assets | 1.0577% | 3,248 |
| Return on Equity (ROE) | 6.3256% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.3256% | 2,139 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0794% | 3,320 |
| Assets per employee ($millions) | 5.1681% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5316% | 6,382 |
| Loan loss allowance to noncurrent loans | 65.2933% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 4,428 |
| Noncurrent loans to loans | 0.8142% | 3,676 |
| Net loans and leases to total assets | 64.1672% | 3,051 |
| Net loans and leases to deposits | 72.0610% | 3,557 |
| Net loans and leases to core deposits | 72.7535% | 3,975 |
| Total domestic deposits to total assets | 89.0456% | 1,328 |
| Equity capital to assets | 10.2586% | 3,751 |
| Core capital (leverage) ratio | 10.2983% | 3,216 |
| Tier 1 risk-based capital ratio | 20.1492% | 1,649 |
| Total risk-based capital ratio | 20.8200% | 1,762 |
| Memoranda: | ||
| Average total assets | $398,793,000 | 1,663 |
| Average earning assets | $360,412,330 | 1,677 |
| Average equity | $39,300,670 | 1,802 |
| Average total loans | $256,117,670 | 1,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,558 |
| Cost of funding earning assets | 0.3365% | 4,679 |
| Net interest margin | 3.9554% | 1,909 |
| Noninterest income to average assets | 0.2549% | 5,325 |
| Noninterest expense to average assets | 2.7655% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6889% | 3,748 |
| Return on assets (ROA) | 0.6889% | 3,821 |
| Pretax return on assets | 1.0702% | 3,031 |
| Return on Equity (ROE) | 7.1332% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.1332% | 1,965 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0997% | 3,470 |
| Assets per employee ($millions) | 5.3071% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 6,478 |
| Loan loss allowance to noncurrent loans | 65.2300% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,363 |
| Noncurrent loans to loans | 0.8091% | 3,855 |
| Net loans and leases to total assets | 62.9418% | 3,081 |
| Net loans and leases to deposits | 70.2499% | 3,569 |
| Net loans and leases to core deposits | 70.9843% | 3,986 |
| Total domestic deposits to total assets | 89.5970% | 1,309 |
| Equity capital to assets | 9.7437% | 4,171 |
| Core capital (leverage) ratio | 9.8659% | 3,768 |
| Tier 1 risk-based capital ratio | 19.2694% | 1,885 |
| Total risk-based capital ratio | 19.9209% | 2,028 |
| Memoranda: | ||
| Average total assets | $401,802,500 | 1,663 |
| Average earning assets | $363,753,000 | 1,675 |
| Average equity | $38,804,500 | 1,813 |
| Average total loans | $257,487,000 | 1,650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,838 |
| Cost of funding earning assets | 0.4016% | 4,640 |
| Net interest margin | 3.6708% | 3,170 |
| Noninterest income to average assets | 0.3692% | 4,666 |
| Noninterest expense to average assets | 2.6607% | 4,239 |
| Loan and lease loss provision to assets | 0.0061% | 5,003 |
| Net operating income to assets | 0.5980% | 4,268 |
| Return on assets (ROA) | 0.6031% | 4,364 |
| Pretax return on assets | 1.0382% | 3,201 |
| Return on Equity (ROE) | 6.4551% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.4551% | 1,712 |
| Net charge-offs to loans | 0.0305% | 4,823 |
| Credit loss provision to net charge-offs | 33.7838% | 4,168 |
| Earnings coverage of net charge-offs (x) | 57.1622% | 714 |
| Efficiency ratio | 71.9700% | 3,480 |
| Assets per employee ($millions) | 5.1317% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5186% | 6,557 |
| Loan loss allowance to noncurrent loans | 63.8086% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 4,404 |
| Noncurrent loans to loans | 0.8127% | 3,940 |
| Net loans and leases to total assets | 64.5598% | 2,942 |
| Net loans and leases to deposits | 71.8602% | 3,534 |
| Net loans and leases to core deposits | 72.6091% | 3,997 |
| Total domestic deposits to total assets | 89.8408% | 1,160 |
| Equity capital to assets | 9.5708% | 4,322 |
| Core capital (leverage) ratio | 9.7626% | 3,894 |
| Tier 1 risk-based capital ratio | 18.4413% | 2,100 |
| Total risk-based capital ratio | 19.0758% | 2,266 |
| Memoranda: | ||
| Average total assets | $408,195,600 | 1,615 |
| Average earning assets | $370,053,800 | 1,635 |
| Average equity | $38,140,600 | 1,820 |
| Average total loans | $242,948,800 | 1,704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 4,162 |
| Cost of funding earning assets | 0.4165% | 4,662 |
| Net interest margin | 3.5749% | 3,556 |
| Noninterest income to average assets | 0.3790% | 4,682 |
| Noninterest expense to average assets | 2.6125% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5916% | 4,392 |
| Return on assets (ROA) | 0.5984% | 4,480 |
| Pretax return on assets | 1.0164% | 3,443 |
| Return on Equity (ROE) | 6.4428% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.4428% | 2,167 |
| Net charge-offs to loans | 0.0413% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 41.8126% | 975 |
| Efficiency ratio | 72.2038% | 3,366 |
| Assets per employee ($millions) | 5.1811% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5286% | 6,634 |
| Loan loss allowance to noncurrent loans | 57.1799% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 4,466 |
| Noncurrent loans to loans | 0.9245% | 3,967 |
| Net loans and leases to total assets | 61.5547% | 3,449 |
| Net loans and leases to deposits | 68.4313% | 4,013 |
| Net loans and leases to core deposits | 69.4234% | 4,379 |
| Total domestic deposits to total assets | 89.9511% | 1,028 |
| Equity capital to assets | 9.3820% | 4,696 |
| Core capital (leverage) ratio | 9.5305% | 4,359 |
| Tier 1 risk-based capital ratio | 18.5869% | 2,116 |
| Total risk-based capital ratio | 19.2240% | 2,299 |
| Memoranda: | ||
| Average total assets | $410,177,250 | 1,619 |
| Average earning assets | $371,651,000 | 1,634 |
| Average equity | $38,098,500 | 1,834 |
| Average total loans | $238,746,000 | 1,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 4,268 |
| Cost of funding earning assets | 0.4321% | 4,641 |
| Net interest margin | 3.5271% | 3,668 |
| Noninterest income to average assets | 0.3241% | 5,112 |
| Noninterest expense to average assets | 2.5900% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5264% | 4,683 |
| Return on assets (ROA) | 0.5289% | 4,837 |
| Pretax return on assets | 0.9263% | 3,797 |
| Return on Equity (ROE) | 5.7128% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.7128% | 2,604 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7395% | 3,179 |
| Assets per employee ($millions) | 5.3753% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 6,635 |
| Loan loss allowance to noncurrent loans | 44.0694% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 4,283 |
| Noncurrent loans to loans | 1.3168% | 3,354 |
| Net loans and leases to total assets | 58.5843% | 3,889 |
| Net loans and leases to deposits | 65.0490% | 4,369 |
| Net loans and leases to core deposits | 66.0264% | 4,686 |
| Total domestic deposits to total assets | 90.0618% | 991 |
| Equity capital to assets | 9.2555% | 4,914 |
| Core capital (leverage) ratio | 9.2266% | 4,657 |
| Tier 1 risk-based capital ratio | 18.9076% | 2,015 |
| Total risk-based capital ratio | 19.6091% | 2,152 |
| Memoranda: | ||
| Average total assets | $412,194,670 | 1,610 |
| Average earning assets | $372,597,000 | 1,629 |
| Average equity | $38,159,670 | 1,836 |
| Average total loans | $234,968,000 | 1,752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,335 |
| Cost of funding earning assets | 0.4483% | 4,612 |
| Net interest margin | 3.4905% | 3,742 |
| Noninterest income to average assets | 0.2724% | 5,500 |
| Noninterest expense to average assets | 2.6182% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4908% | 4,714 |
| Return on assets (ROA) | 0.4908% | 4,870 |
| Pretax return on assets | 0.8135% | 4,122 |
| Return on Equity (ROE) | 5.3008% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.3008% | 3,052 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2950% | 2,878 |
| Assets per employee ($millions) | 5.0905% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 6,704 |
| Loan loss allowance to noncurrent loans | 40.6997% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 4,300 |
| Noncurrent loans to loans | 1.4841% | 3,331 |
| Net loans and leases to total assets | 55.7125% | 4,134 |
| Net loans and leases to deposits | 62.0040% | 4,545 |
| Net loans and leases to core deposits | 62.9737% | 4,849 |
| Total domestic deposits to total assets | 89.8531% | 1,137 |
| Equity capital to assets | 9.3391% | 5,078 |
| Core capital (leverage) ratio | 9.0900% | 4,737 |
| Tier 1 risk-based capital ratio | 19.2820% | 1,960 |
| Total risk-based capital ratio | 20.0043% | 2,086 |
| Memoranda: | ||
| Average total assets | $414,030,000 | 1,619 |
| Average earning assets | $374,730,500 | 1,633 |
| Average equity | $38,334,000 | 1,854 |
| Average total loans | $232,088,000 | 1,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 4,814 |
| Cost of funding earning assets | 0.6411% | 3,998 |
| Net interest margin | 3.4957% | 4,518 |
| Noninterest income to average assets | 0.3001% | 5,312 |
| Noninterest expense to average assets | 2.5692% | 4,860 |
| Loan and lease loss provision to assets | 0.0555% | 5,101 |
| Net operating income to assets | 0.4776% | 4,771 |
| Return on assets (ROA) | 0.4371% | 5,181 |
| Pretax return on assets | 0.8007% | 4,291 |
| Return on Equity (ROE) | 4.8950% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.8950% | 2,769 |
| Net charge-offs to loans | 0.2154% | 3,671 |
| Credit loss provision to net charge-offs | 45.8167% | 4,790 |
| Earnings coverage of net charge-offs (x) | 7.5916% | 2,565 |
| Efficiency ratio | 73.6464% | 3,124 |
| Assets per employee ($millions) | 4.8909% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 6,758 |
| Loan loss allowance to noncurrent loans | 78.3072% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 5,418 |
| Noncurrent loans to loans | 0.7655% | 4,653 |
| Net loans and leases to total assets | 55.7246% | 4,340 |
| Net loans and leases to deposits | 61.9063% | 4,796 |
| Net loans and leases to core deposits | 62.8565% | 5,078 |
| Total domestic deposits to total assets | 90.0144% | 943 |
| Equity capital to assets | 9.1791% | 5,294 |
| Core capital (leverage) ratio | 8.9127% | 5,029 |
| Tier 1 risk-based capital ratio | 18.7395% | 2,035 |
| Total risk-based capital ratio | 19.4503% | 2,150 |
| Memoranda: | ||
| Average total assets | $414,531,400 | 1,579 |
| Average earning assets | $378,096,400 | 1,579 |
| Average equity | $37,017,600 | 1,877 |
| Average total loans | $233,035,000 | 1,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 5,079 |
| Cost of funding earning assets | 0.6731% | 3,991 |
| Net interest margin | 3.4574% | 4,815 |
| Noninterest income to average assets | 0.3199% | 5,227 |
| Noninterest expense to average assets | 2.5666% | 4,859 |
| Loan and lease loss provision to assets | 0.0740% | 4,734 |
| Net operating income to assets | 0.4866% | 4,894 |
| Return on assets (ROA) | 0.4326% | 5,344 |
| Pretax return on assets | 0.7625% | 4,624 |
| Return on Equity (ROE) | 4.8785% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.8785% | 3,455 |
| Net charge-offs to loans | 0.2872% | 3,005 |
| Credit loss provision to net charge-offs | 45.8167% | 4,496 |
| Earnings coverage of net charge-offs (x) | 5.6992% | 2,953 |
| Efficiency ratio | 73.5948% | 3,047 |
| Assets per employee ($millions) | 5.1823% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 6,881 |
| Loan loss allowance to noncurrent loans | 48.7779% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 4,913 |
| Noncurrent loans to loans | 1.2034% | 4,044 |
| Net loans and leases to total assets | 58.5317% | 4,040 |
| Net loans and leases to deposits | 65.2135% | 4,568 |
| Net loans and leases to core deposits | 66.3850% | 4,913 |
| Total domestic deposits to total assets | 89.7539% | 969 |
| Equity capital to assets | 9.3506% | 5,404 |
| Core capital (leverage) ratio | 9.0684% | 4,965 |
| Tier 1 risk-based capital ratio | 17.8045% | 2,423 |
| Total risk-based capital ratio | 18.4872% | 2,589 |
| Memoranda: | ||
| Average total assets | $414,232,500 | 1,599 |
| Average earning assets | $379,508,000 | 1,593 |
| Average equity | $36,732,000 | 1,909 |
| Average total loans | $233,029,000 | 1,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 5,207 |
| Cost of funding earning assets | 0.7154% | 3,895 |
| Net interest margin | 3.4124% | 5,034 |
| Noninterest income to average assets | 0.3156% | 5,297 |
| Noninterest expense to average assets | 2.4782% | 5,214 |
| Loan and lease loss provision to assets | 0.0862% | 4,509 |
| Net operating income to assets | 0.5267% | 4,695 |
| Return on assets (ROA) | 0.4464% | 5,282 |
| Pretax return on assets | 0.7601% | 4,606 |
| Return on Equity (ROE) | 5.1241% | 4,748 |
| Retained earnings to average equity (ytd only) | 5.1241% | 3,207 |
| Net charge-offs to loans | 0.7200% | 1,536 |
| Credit loss provision to net charge-offs | 21.6086% | 4,578 |
| Earnings coverage of net charge-offs (x) | 2.4358% | 3,783 |
| Efficiency ratio | 71.8312% | 3,454 |
| Assets per employee ($millions) | 4.9412% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 7,056 |
| Loan loss allowance to noncurrent loans | 39.2954% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 5,233 |
| Noncurrent loans to loans | 1.1220% | 4,277 |
| Net loans and leases to total assets | 54.5734% | 4,694 |
| Net loans and leases to deposits | 60.3119% | 5,220 |
| Net loans and leases to core deposits | 63.9553% | 5,211 |
| Total domestic deposits to total assets | 90.4852% | 672 |
| Equity capital to assets | 8.8708% | 5,843 |
| Core capital (leverage) ratio | 8.6216% | 5,488 |
| Tier 1 risk-based capital ratio | 18.3898% | 2,163 |
| Total risk-based capital ratio | 18.9082% | 2,382 |
| Memoranda: | ||
| Average total assets | $417,569,330 | 1,588 |
| Average earning assets | $383,538,330 | 1,576 |
| Average equity | $36,377,000 | 1,914 |
| Average total loans | $231,373,670 | 1,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 5,305 |
| Cost of funding earning assets | 0.7484% | 3,874 |
| Net interest margin | 3.3939% | 5,145 |
| Noninterest income to average assets | 0.3132% | 5,378 |
| Noninterest expense to average assets | 2.6583% | 4,593 |
| Loan and lease loss provision to assets | 0.0721% | 4,501 |
| Net operating income to assets | 0.3881% | 5,308 |
| Return on assets (ROA) | 0.3881% | 5,489 |
| Pretax return on assets | 0.7109% | 4,756 |
| Return on Equity (ROE) | 4.4968% | 5,046 |
| Retained earnings to average equity (ytd only) | 4.4968% | 3,892 |
| Net charge-offs to loans | 0.7105% | 1,406 |
| Credit loss provision to net charge-offs | 18.2039% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.9782% | 3,350 |
| Efficiency ratio | 77.2473% | 2,611 |
| Assets per employee ($millions) | 4.7310% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 7,003 |
| Loan loss allowance to noncurrent loans | 40.0180% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 4,968 |
| Noncurrent loans to loans | 1.4370% | 3,957 |
| Net loans and leases to total assets | 54.6546% | 4,612 |
| Net loans and leases to deposits | 60.1496% | 5,126 |
| Net loans and leases to core deposits | 63.7547% | 5,141 |
| Total domestic deposits to total assets | 90.8644% | 614 |
| Equity capital to assets | 8.5889% | 6,002 |
| Core capital (leverage) ratio | 8.3958% | 5,749 |
| Tier 1 risk-based capital ratio | 18.1428% | 2,243 |
| Total risk-based capital ratio | 18.8290% | 2,419 |
| Memoranda: | ||
| Average total assets | $416,355,000 | 1,597 |
| Average earning assets | $383,746,500 | 1,580 |
| Average equity | $35,937,000 | 1,932 |
| Average total loans | $231,949,500 | 1,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 5,341 |
| Cost of funding earning assets | 0.8664% | 4,346 |
| Net interest margin | 3.5541% | 4,913 |
| Noninterest income to average assets | 0.3399% | 5,097 |
| Noninterest expense to average assets | 2.6817% | 4,816 |
| Loan and lease loss provision to assets | 0.0917% | 5,446 |
| Net operating income to assets | 0.5073% | 4,393 |
| Return on assets (ROA) | 0.5073% | 4,603 |
| Pretax return on assets | 0.8511% | 3,769 |
| Return on Equity (ROE) | 6.1394% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.1394% | 1,936 |
| Net charge-offs to loans | 0.0602% | 5,698 |
| Credit loss provision to net charge-offs | 262.0690% | 915 |
| Earnings coverage of net charge-offs (x) | 26.9517% | 925 |
| Efficiency ratio | 73.9883% | 3,243 |
| Assets per employee ($millions) | 5.4165% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 6,882 |
| Loan loss allowance to noncurrent loans | 35.3240% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1471% | 4,326 |
| Noncurrent loans to loans | 2.0315% | 3,165 |
| Net loans and leases to total assets | 56.0601% | 4,686 |
| Net loans and leases to deposits | 61.7057% | 5,281 |
| Net loans and leases to core deposits | 65.6017% | 5,304 |
| Total domestic deposits to total assets | 90.8508% | 563 |
| Equity capital to assets | 8.6748% | 5,927 |
| Core capital (leverage) ratio | 8.4860% | 5,583 |
| Tier 1 risk-based capital ratio | 17.1709% | 2,525 |
| Total risk-based capital ratio | 17.6434% | 2,837 |
| Memoranda: | ||
| Average total assets | $414,507,200 | 1,571 |
| Average earning assets | $383,081,400 | 1,552 |
| Average equity | $34,254,200 | 1,955 |
| Average total loans | $240,793,400 | 1,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 5,432 |
| Cost of funding earning assets | 0.8899% | 4,472 |
| Net interest margin | 3.5595% | 4,944 |
| Noninterest income to average assets | 0.3006% | 5,463 |
| Noninterest expense to average assets | 2.6668% | 4,852 |
| Loan and lease loss provision to assets | 0.0979% | 5,231 |
| Net operating income to assets | 0.4955% | 4,569 |
| Return on assets (ROA) | 0.4955% | 4,756 |
| Pretax return on assets | 0.8381% | 3,989 |
| Return on Equity (ROE) | 6.0704% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.0704% | 2,521 |
| Net charge-offs to loans | 0.0796% | 5,179 |
| Credit loss provision to net charge-offs | 210.3448% | 1,379 |
| Earnings coverage of net charge-offs (x) | 20.1033% | 1,234 |
| Efficiency ratio | 74.0196% | 3,178 |
| Assets per employee ($millions) | 5.0680% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 7,009 |
| Loan loss allowance to noncurrent loans | 51.3871% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 5,269 |
| Noncurrent loans to loans | 1.2949% | 4,372 |
| Net loans and leases to total assets | 57.9312% | 4,526 |
| Net loans and leases to deposits | 63.8594% | 5,186 |
| Net loans and leases to core deposits | 67.2472% | 5,277 |
| Total domestic deposits to total assets | 90.7168% | 545 |
| Equity capital to assets | 8.6471% | 6,146 |
| Core capital (leverage) ratio | 8.3959% | 5,861 |
| Tier 1 risk-based capital ratio | 16.3135% | 2,963 |
| Total risk-based capital ratio | 17.0719% | 3,163 |
| Memoranda: | ||
| Average total assets | $415,220,750 | 1,575 |
| Average earning assets | $385,210,750 | 1,547 |
| Average equity | $33,890,250 | 1,976 |
| Average total loans | $242,881,500 | 1,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 5,548 |
| Cost of funding earning assets | 0.9012% | 4,659 |
| Net interest margin | 3.5416% | 4,963 |
| Noninterest income to average assets | 0.2898% | 5,559 |
| Noninterest expense to average assets | 2.6320% | 5,072 |
| Loan and lease loss provision to assets | 0.1008% | 5,057 |
| Net operating income to assets | 0.5062% | 4,473 |
| Return on assets (ROA) | 0.5062% | 4,614 |
| Pretax return on assets | 0.8589% | 3,797 |
| Return on Equity (ROE) | 6.3260% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.3260% | 2,229 |
| Net charge-offs to loans | 0.0492% | 5,165 |
| Credit loss provision to net charge-offs | 350.0000% | 878 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 857 |
| Efficiency ratio | 73.2799% | 3,503 |
| Assets per employee ($millions) | 4.8951% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 7,076 |
| Loan loss allowance to noncurrent loans | 51.0645% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 5,377 |
| Noncurrent loans to loans | 1.2893% | 4,511 |
| Net loans and leases to total assets | 58.7913% | 4,501 |
| Net loans and leases to deposits | 64.5330% | 5,205 |
| Net loans and leases to core deposits | 67.4227% | 5,350 |
| Total domestic deposits to total assets | 91.1027% | 467 |
| Equity capital to assets | 8.4284% | 6,265 |
| Core capital (leverage) ratio | 8.3300% | 5,820 |
| Tier 1 risk-based capital ratio | 16.3970% | 2,793 |
| Total risk-based capital ratio | 17.1658% | 2,995 |
| Memoranda: | ||
| Average total assets | $416,792,330 | 1,580 |
| Average earning assets | $388,582,000 | 1,548 |
| Average equity | $33,354,670 | 1,988 |
| Average total loans | $244,040,670 | 1,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 5,822 |
| Cost of funding earning assets | 0.8984% | 4,932 |
| Net interest margin | 3.4616% | 5,176 |
| Noninterest income to average assets | 0.2815% | 5,658 |
| Noninterest expense to average assets | 2.5808% | 5,294 |
| Loan and lease loss provision to assets | 0.0995% | 4,763 |
| Net operating income to assets | 0.4928% | 4,517 |
| Return on assets (ROA) | 0.4928% | 4,602 |
| Pretax return on assets | 0.8331% | 3,775 |
| Return on Equity (ROE) | 6.3203% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.3203% | 2,453 |
| Net charge-offs to loans | 0.0488% | 4,451 |
| Credit loss provision to net charge-offs | 350.0000% | 933 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 784 |
| Efficiency ratio | 73.4556% | 3,612 |
| Assets per employee ($millions) | 4.9948% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 7,180 |
| Loan loss allowance to noncurrent loans | 51.0667% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 5,550 |
| Noncurrent loans to loans | 1.2180% | 4,647 |
| Net loans and leases to total assets | 56.7491% | 4,861 |
| Net loans and leases to deposits | 61.7507% | 5,530 |
| Net loans and leases to core deposits | 67.9966% | 5,288 |
| Total domestic deposits to total assets | 91.9002% | 313 |
| Equity capital to assets | 7.8072% | 6,671 |
| Core capital (leverage) ratio | 7.8195% | 6,445 |
| Tier 1 risk-based capital ratio | 16.7380% | 2,572 |
| Total risk-based capital ratio | 17.4983% | 2,748 |
| Memoranda: | ||
| Average total assets | $422,042,000 | 1,579 |
| Average earning assets | $394,040,000 | 1,544 |
| Average equity | $32,910,000 | 1,994 |
| Average total loans | $245,837,000 | 1,753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 6,431 |
| Cost of funding earning assets | 1.0081% | 5,653 |
| Net interest margin | 3.4795% | 5,324 |
| Noninterest income to average assets | 0.3053% | 5,617 |
| Noninterest expense to average assets | 2.5255% | 5,700 |
| Loan and lease loss provision to assets | 0.1108% | 6,048 |
| Net operating income to assets | 0.5424% | 3,918 |
| Return on assets (ROA) | 0.4517% | 4,470 |
| Pretax return on assets | 0.8523% | 3,466 |
| Return on Equity (ROE) | 5.9314% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.9314% | 1,854 |
| Net charge-offs to loans | 0.0511% | 6,280 |
| Credit loss provision to net charge-offs | 357.6923% | 718 |
| Earnings coverage of net charge-offs (x) | 35.6615% | 640 |
| Efficiency ratio | 69.5641% | 4,272 |
| Assets per employee ($millions) | 5.0546% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 7,291 |
| Loan loss allowance to noncurrent loans | 46.2407% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 5,528 |
| Noncurrent loans to loans | 1.2434% | 4,642 |
| Net loans and leases to total assets | 59.0667% | 4,832 |
| Net loans and leases to deposits | 64.2039% | 5,603 |
| Net loans and leases to core deposits | 70.7820% | 5,363 |
| Total domestic deposits to total assets | 91.9986% | 284 |
| Equity capital to assets | 7.7883% | 6,681 |
| Core capital (leverage) ratio | 7.8005% | 6,435 |
| Tier 1 risk-based capital ratio | 16.3708% | 2,585 |
| Total risk-based capital ratio | 17.0876% | 2,787 |
| Memoranda: | ||
| Average total assets | $419,563,800 | 1,580 |
| Average earning assets | $400,948,200 | 1,518 |
| Average equity | $31,948,400 | 2,052 |
| Average total loans | $254,325,600 | 1,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 6,576 |
| Cost of funding earning assets | 1.0317% | 5,789 |
| Net interest margin | 3.4816% | 5,370 |
| Noninterest income to average assets | 0.3067% | 5,702 |
| Noninterest expense to average assets | 2.5079% | 5,695 |
| Loan and lease loss provision to assets | 0.0969% | 6,055 |
| Net operating income to assets | 0.5154% | 4,240 |
| Return on assets (ROA) | 0.3769% | 5,040 |
| Pretax return on assets | 0.8218% | 3,826 |
| Return on Equity (ROE) | 4.9778% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.9778% | 3,007 |
| Net charge-offs to loans | 0.0522% | 6,002 |
| Credit loss provision to net charge-offs | 305.0000% | 1,045 |
| Earnings coverage of net charge-offs (x) | 35.7200% | 760 |
| Efficiency ratio | 68.8416% | 4,299 |
| Assets per employee ($millions) | 5.0655% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 7,442 |
| Loan loss allowance to noncurrent loans | 39.1880% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 5,519 |
| Noncurrent loans to loans | 1.3073% | 4,680 |
| Net loans and leases to total assets | 60.1872% | 4,875 |
| Net loans and leases to deposits | 65.7188% | 5,700 |
| Net loans and leases to core deposits | 72.1139% | 5,497 |
| Total domestic deposits to total assets | 91.5830% | 284 |
| Equity capital to assets | 7.8705% | 6,888 |
| Core capital (leverage) ratio | 7.7060% | 6,667 |
| Tier 1 risk-based capital ratio | 16.1930% | 2,675 |
| Total risk-based capital ratio | 16.8467% | 2,911 |
| Memoranda: | ||
| Average total assets | $419,572,500 | 1,606 |
| Average earning assets | $402,062,250 | 1,532 |
| Average equity | $31,767,000 | 2,078 |
| Average total loans | $255,598,250 | 1,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 6,571 |
| Cost of funding earning assets | 1.0745% | 5,807 |
| Net interest margin | 3.4822% | 5,313 |
| Noninterest income to average assets | 0.3067% | 5,706 |
| Noninterest expense to average assets | 2.4671% | 5,852 |
| Loan and lease loss provision to assets | 0.1002% | 5,908 |
| Net operating income to assets | 0.5146% | 4,261 |
| Return on assets (ROA) | 0.3067% | 5,304 |
| Pretax return on assets | 0.7551% | 4,047 |
| Return on Equity (ROE) | 4.1052% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.1052% | 3,463 |
| Net charge-offs to loans | 0.0703% | 5,436 |
| Credit loss provision to net charge-offs | 233.3333% | 1,651 |
| Earnings coverage of net charge-offs (x) | 27.4889% | 977 |
| Efficiency ratio | 67.6432% | 4,645 |
| Assets per employee ($millions) | 5.2418% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4758% | 7,533 |
| Loan loss allowance to noncurrent loans | 41.9855% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,765 |
| Noncurrent loans to loans | 1.1333% | 5,062 |
| Net loans and leases to total assets | 60.7516% | 4,918 |
| Net loans and leases to deposits | 66.1941% | 5,782 |
| Net loans and leases to core deposits | 72.6357% | 5,605 |
| Total domestic deposits to total assets | 91.7779% | 265 |
| Equity capital to assets | 7.7147% | 6,991 |
| Core capital (leverage) ratio | 7.5778% | 6,756 |
| Tier 1 risk-based capital ratio | 14.7297% | 3,313 |
| Total risk-based capital ratio | 15.2952% | 3,665 |
| Memoranda: | ||
| Average total assets | $419,285,670 | 1,625 |
| Average earning assets | $402,222,330 | 1,541 |
| Average equity | $31,326,000 | 2,108 |
| Average total loans | $256,014,330 | 1,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 6,635 |
| Cost of funding earning assets | 1.1590% | 5,614 |
| Net interest margin | 3.4112% | 5,535 |
| Noninterest income to average assets | 0.3043% | 5,713 |
| Noninterest expense to average assets | 2.4501% | 5,909 |
| Loan and lease loss provision to assets | 0.1002% | 5,628 |
| Net operating income to assets | 0.5390% | 4,188 |
| Return on assets (ROA) | 0.5390% | 4,327 |
| Pretax return on assets | 1.0228% | 2,999 |
| Return on Equity (ROE) | 7.3344% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.3344% | 1,999 |
| Net charge-offs to loans | 0.0469% | 4,939 |
| Credit loss provision to net charge-offs | 350.0000% | 1,156 |
| Earnings coverage of net charge-offs (x) | 39.2333% | 706 |
| Efficiency ratio | 68.5714% | 4,613 |
| Assets per employee ($millions) | 5.2648% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4583% | 7,628 |
| Loan loss allowance to noncurrent loans | 42.0732% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,860 |
| Noncurrent loans to loans | 1.0893% | 5,181 |
| Net loans and leases to total assets | 60.4891% | 5,042 |
| Net loans and leases to deposits | 65.5375% | 5,871 |
| Net loans and leases to core deposits | 72.0326% | 5,711 |
| Total domestic deposits to total assets | 92.2969% | 192 |
| Equity capital to assets | 7.3797% | 7,158 |
| Core capital (leverage) ratio | 7.3315% | 7,000 |
| Tier 1 risk-based capital ratio | 14.3536% | 3,463 |
| Total risk-based capital ratio | 14.8843% | 3,861 |
| Memoranda: | ||
| Average total assets | $419,256,500 | 1,660 |
| Average earning assets | $401,738,000 | 1,584 |
| Average equity | $30,813,500 | 2,156 |
| Average total loans | $256,033,500 | 1,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 7,015 |
| Cost of funding earning assets | 1.4286% | 5,815 |
| Net interest margin | 3.3374% | 5,597 |
| Noninterest income to average assets | 0.3568% | 5,544 |
| Noninterest expense to average assets | 2.4984% | 6,134 |
| Loan and lease loss provision to assets | 0.0644% | 6,928 |
| Net operating income to assets | 0.5817% | 3,395 |
| Return on assets (ROA) | -0.5315% | 6,209 |
| Pretax return on assets | -0.1214% | 5,619 |
| Return on Equity (ROE) | -7.2283% | 6,404 |
| Retained earnings to average equity (ytd only) | -7.2283% | 6,264 |
| Net charge-offs to loans | 0.0706% | 6,411 |
| Credit loss provision to net charge-offs | 144.8864% | 3,289 |
| Earnings coverage of net charge-offs (x) | 23.7784% | 923 |
| Efficiency ratio | 70.2875% | 4,566 |
| Assets per employee ($millions) | 5.4199% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4287% | 7,731 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 6,672 |
| Noncurrent loans to loans | 0.5001% | 6,252 |
| Net loans and leases to total assets | 61.1090% | 5,173 |
| Net loans and leases to deposits | 66.1459% | 6,028 |
| Net loans and leases to core deposits | 79.7158% | 6,130 |
| Total domestic deposits to total assets | 92.3852% | 201 |
| Equity capital to assets | 7.3191% | 7,184 |
| Core capital (leverage) ratio | 7.2904% | 6,994 |
| Tier 1 risk-based capital ratio | 13.7492% | 3,658 |
| Total risk-based capital ratio | 14.2226% | 4,112 |
| Memoranda: | ||
| Average total assets | $396,254,000 | 1,734 |
| Average earning assets | $379,663,600 | 1,657 |
| Average equity | $29,135,600 | 2,288 |
| Average total loans | $249,291,000 | 1,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 7,180 |
| Cost of funding earning assets | 1.4763% | 5,932 |
| Net interest margin | 3.2884% | 5,691 |
| Noninterest income to average assets | 0.3649% | 5,582 |
| Noninterest expense to average assets | 2.5501% | 5,893 |
| Loan and lease loss provision to assets | 0.0597% | 6,767 |
| Net operating income to assets | 0.5354% | 3,846 |
| Return on assets (ROA) | -0.9688% | 6,815 |
| Pretax return on assets | -0.5975% | 6,387 |
| Return on Equity (ROE) | -13.1601% | 7,086 |
| Retained earnings to average equity (ytd only) | -13.1601% | 7,017 |
| Net charge-offs to loans | 0.0215% | 6,595 |
| Credit loss provision to net charge-offs | 437.5000% | 906 |
| Earnings coverage of net charge-offs (x) | 70.8526% | 477 |
| Efficiency ratio | 72.5175% | 4,146 |
| Assets per employee ($millions) | 5.3544% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 7,780 |
| Loan loss allowance to noncurrent loans | 53.0575% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 6,140 |
| Noncurrent loans to loans | 0.8338% | 5,630 |
| Net loans and leases to total assets | 62.9870% | 5,071 |
| Net loans and leases to deposits | 68.6042% | 6,076 |
| Net loans and leases to core deposits | 82.8700% | 6,130 |
| Total domestic deposits to total assets | 91.8123% | 204 |
| Equity capital to assets | 7.2561% | 7,456 |
| Core capital (leverage) ratio | 7.2250% | 7,242 |
| Tier 1 risk-based capital ratio | 13.9946% | 3,559 |
| Total risk-based capital ratio | 14.4787% | 3,977 |
| Memoranda: | ||
| Average total assets | $390,985,000 | 1,772 |
| Average earning assets | $374,720,250 | 1,692 |
| Average equity | $28,783,250 | 2,337 |
| Average total loans | $247,582,750 | 1,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 7,246 |
| Cost of funding earning assets | 1.5305% | 6,016 |
| Net interest margin | 3.2586% | 5,702 |
| Noninterest income to average assets | 0.3704% | 5,548 |
| Noninterest expense to average assets | 2.6039% | 5,725 |
| Loan and lease loss provision to assets | 0.0417% | 6,817 |
| Net operating income to assets | 0.5069% | 4,062 |
| Return on assets (ROA) | 0.5069% | 4,182 |
| Pretax return on assets | 0.8440% | 3,525 |
| Return on Equity (ROE) | 6.8507% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.8507% | 1,639 |
| Net charge-offs to loans | 0.0164% | 6,296 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 453 |
| Efficiency ratio | 74.6193% | 3,933 |
| Assets per employee ($millions) | 5.2456% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4295% | 7,873 |
| Loan loss allowance to noncurrent loans | 66.6873% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 6,433 |
| Noncurrent loans to loans | 0.6440% | 5,964 |
| Net loans and leases to total assets | 63.5829% | 5,065 |
| Net loans and leases to deposits | 68.8832% | 6,105 |
| Net loans and leases to core deposits | 80.6508% | 6,349 |
| Total domestic deposits to total assets | 92.3054% | 169 |
| Equity capital to assets | 7.2686% | 7,434 |
| Core capital (leverage) ratio | 7.3083% | 7,233 |
| Tier 1 risk-based capital ratio | 13.2042% | 3,999 |
| Total risk-based capital ratio | 13.6996% | 4,485 |
| Memoranda: | ||
| Average total assets | $383,884,000 | 1,819 |
| Average earning assets | $367,456,330 | 1,748 |
| Average equity | $28,405,670 | 2,381 |
| Average total loans | $243,163,000 | 1,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 7,414 |
| Cost of funding earning assets | 1.5988% | 6,032 |
| Net interest margin | 3.1701% | 5,954 |
| Noninterest income to average assets | 0.3714% | 5,450 |
| Noninterest expense to average assets | 2.4752% | 5,934 |
| Loan and lease loss provision to assets | 0.0317% | 6,535 |
| Net operating income to assets | 0.5455% | 4,233 |
| Return on assets (ROA) | 0.5455% | 4,416 |
| Pretax return on assets | 0.8979% | 3,723 |
| Return on Equity (ROE) | 7.3047% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.3047% | 2,099 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6991% | 4,061 |
| Assets per employee ($millions) | 5.2136% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4241% | 7,921 |
| Loan loss allowance to noncurrent loans | 117.3378% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 6,829 |
| Noncurrent loans to loans | 0.3615% | 6,528 |
| Net loans and leases to total assets | 63.8353% | 5,021 |
| Net loans and leases to deposits | 69.0430% | 6,071 |
| Net loans and leases to core deposits | 80.9569% | 6,313 |
| Total domestic deposits to total assets | 92.4573% | 128 |
| Equity capital to assets | 7.2695% | 7,514 |
| Core capital (leverage) ratio | 7.3427% | 7,328 |
| Tier 1 risk-based capital ratio | 12.9391% | 4,217 |
| Total risk-based capital ratio | 13.4179% | 4,707 |
| Memoranda: | ||
| Average total assets | $379,116,000 | 1,842 |
| Average earning assets | $362,769,500 | 1,777 |
| Average equity | $28,310,500 | 2,396 |
| Average total loans | $239,131,000 | 2,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 7,736 |
| Cost of funding earning assets | 1.8747% | 6,807 |
| Net interest margin | 3.2695% | 6,142 |
| Noninterest income to average assets | 0.4081% | 5,405 |
| Noninterest expense to average assets | 2.4721% | 6,119 |
| Loan and lease loss provision to assets | 0.8872% | 1,682 |
| Net operating income to assets | -0.2321% | 6,658 |
| Return on assets (ROA) | -0.2321% | 6,502 |
| Pretax return on assets | 0.1647% | 5,811 |
| Return on Equity (ROE) | -2.7626% | 6,591 |
| Retained earnings to average equity (ytd only) | -2.7626% | 6,044 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1506% | 4,325 |
| Assets per employee ($millions) | 4.9657% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4413% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.7341% | 5,661 |
| Net loans and leases to deposits | 67.0163% | 6,560 |
| Net loans and leases to core deposits | 78.6572% | 6,714 |
| Total domestic deposits to total assets | 92.1179% | 116 |
| Equity capital to assets | 7.6726% | 7,235 |
| Core capital (leverage) ratio | 7.7254% | 6,890 |
| Tier 1 risk-based capital ratio | 13.9725% | 3,559 |
| Total risk-based capital ratio | 14.4672% | 3,896 |
| Memoranda: | ||
| Average total assets | $369,236,800 | 1,820 |
| Average earning assets | $351,888,800 | 1,762 |
| Average equity | $31,021,400 | 2,171 |
| Average total loans | $215,804,600 | 2,167 |