Home > Earlham Savings Bank > Performance and Condition Ratios
Earlham Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,099 |
| Cost of funding earning assets | 1.2771% | 2,580 |
| Net interest margin | 2.6050% | 3,955 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.6162% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5593% | 3,540 |
| Return on assets (ROA) | 0.3420% | 3,967 |
| Pretax return on assets | 0.4526% | 3,892 |
| Return on Equity (ROE) | 4.4400% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.4384% | 2,817 |
| Net charge-offs to loans | -0.1269% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.2384% | 1,048 |
| Assets per employee ($millions) | 6.2127% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 425 |
| Loan loss allowance to noncurrent loans | 1,556.5957% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,388 |
| Noncurrent loans to loans | 0.1247% | 2,893 |
| Net loans and leases to total assets | 51.3000% | 3,522 |
| Net loans and leases to deposits | 55.9616% | 3,709 |
| Net loans and leases to core deposits | 56.8828% | 3,880 |
| Total domestic deposits to total assets | 91.6800% | 361 |
| Equity capital to assets | 8.1563% | 3,306 |
| Core capital (leverage) ratio | 8.3952% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9952% | 916 |
| Memoranda: | ||
| Average total assets | $364,307,600 | 2,142 |
| Average earning assets | $339,429,200 | 2,129 |
| Average equity | $28,073,000 | 2,357 |
| Average total loans | $182,754,000 | 2,423 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,149 |
| Cost of funding earning assets | 1.1841% | 2,479 |
| Net interest margin | 2.5749% | 4,059 |
| Noninterest income to average assets | 1.0400% | 608 |
| Noninterest expense to average assets | 2.5159% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7054% | 3,315 |
| Return on assets (ROA) | 0.4110% | 3,939 |
| Pretax return on assets | 0.5420% | 3,840 |
| Return on Equity (ROE) | 5.4100% | 3,744 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,804 |
| Net charge-offs to loans | -0.1169% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.3376% | 1,416 |
| Assets per employee ($millions) | 5.7805% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 464 |
| Loan loss allowance to noncurrent loans | 588.6700% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 1,880 |
| Noncurrent loans to loans | 0.3256% | 2,068 |
| Net loans and leases to total assets | 52.0300% | 3,498 |
| Net loans and leases to deposits | 56.7685% | 3,670 |
| Net loans and leases to core deposits | 57.3104% | 3,802 |
| Total domestic deposits to total assets | 91.6500% | 531 |
| Equity capital to assets | 8.1620% | 2,952 |
| Core capital (leverage) ratio | 8.4504% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7161% | 987 |
| Memoranda: | ||
| Average total assets | $365,300,250 | 2,136 |
| Average earning assets | $338,698,750 | 2,137 |
| Average equity | $27,743,750 | 2,365 |
| Average total loans | $181,312,000 | 2,436 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,247 |
| Cost of funding earning assets | 1.0903% | 2,308 |
| Net interest margin | 2.5113% | 4,197 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.4507% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9096% | 2,725 |
| Return on assets (ROA) | 0.4692% | 3,878 |
| Pretax return on assets | 0.6181% | 3,765 |
| Return on Equity (ROE) | 6.3300% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.3289% | 2,503 |
| Net charge-offs to loans | -0.1338% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.5821% | 2,035 |
| Assets per employee ($millions) | 5.8004% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 462 |
| Loan loss allowance to noncurrent loans | 591.0000% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 1,860 |
| Noncurrent loans to loans | 0.3289% | 1,951 |
| Net loans and leases to total assets | 48.9600% | 3,628 |
| Net loans and leases to deposits | 53.1694% | 3,789 |
| Net loans and leases to core deposits | 53.7827% | 3,904 |
| Total domestic deposits to total assets | 92.0800% | 396 |
| Equity capital to assets | 7.7406% | 3,375 |
| Core capital (leverage) ratio | 8.2273% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0723% | 947 |
| Memoranda: | ||
| Average total assets | $369,530,333 | 2,123 |
| Average earning assets | $341,175,333 | 2,135 |
| Average equity | $27,398,333 | 2,393 |
| Average total loans | $179,400,667 | 2,445 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 4,280 |
| Cost of funding earning assets | 0.9662% | 2,165 |
| Net interest margin | 2.5260% | 4,281 |
| Noninterest income to average assets | 2.1500% | 215 |
| Noninterest expense to average assets | 2.4727% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5189% | 1,150 |
| Return on assets (ROA) | 0.8547% | 2,951 |
| Pretax return on assets | 1.1335% | 2,612 |
| Return on Equity (ROE) | 11.7800% | 2,276 |
| Retained earnings to average equity (ytd only) | 11.7828% | 1,309 |
| Net charge-offs to loans | -0.1574% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6040% | 3,449 |
| Assets per employee ($millions) | 5.9949% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 455 |
| Loan loss allowance to noncurrent loans | 359.3011% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 1,389 |
| Noncurrent loans to loans | 0.5518% | 1,344 |
| Net loans and leases to total assets | 47.2700% | 3,686 |
| Net loans and leases to deposits | 51.2775% | 3,833 |
| Net loans and leases to core deposits | 51.8275% | 3,923 |
| Total domestic deposits to total assets | 92.1800% | 477 |
| Equity capital to assets | 7.6374% | 3,483 |
| Core capital (leverage) ratio | 8.0206% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3449% | 938 |
| Memoranda: | ||
| Average total assets | $371,583,500 | 2,147 |
| Average earning assets | $338,247,500 | 2,178 |
| Average equity | $26,954,500 | 2,439 |
| Average total loans | $177,879,000 | 2,480 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5589% | 4,480 |
| Cost of funding earning assets | 0.3042% | 2,840 |
| Net interest margin | 2.2547% | 4,452 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.2921% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1692% | 4,466 |
| Return on assets (ROA) | 0.1647% | 4,454 |
| Pretax return on assets | 0.2181% | 4,430 |
| Return on Equity (ROE) | 2.4700% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.4654% | 3,867 |
| Net charge-offs to loans | -0.1370% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.1050% | 275 |
| Assets per employee ($millions) | 5.8074% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 528 |
| Loan loss allowance to noncurrent loans | 464.2276% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 1,555 |
| Noncurrent loans to loans | 0.4113% | 1,694 |
| Net loans and leases to total assets | 46.6200% | 3,764 |
| Net loans and leases to deposits | 50.1437% | 3,889 |
| Net loans and leases to core deposits | 50.6503% | 3,954 |
| Total domestic deposits to total assets | 92.9800% | 412 |
| Equity capital to assets | 6.8825% | 3,719 |
| Core capital (leverage) ratio | 7.6423% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2394% | 1,094 |
| Memoranda: | ||
| Average total assets | $389,213,600 | 2,065 |
| Average earning assets | $364,563,800 | 2,050 |
| Average equity | $25,999,600 | 2,531 |
| Average total loans | $168,599,000 | 2,470 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4099% | 4,493 |
| Cost of funding earning assets | 0.2224% | 3,015 |
| Net interest margin | 2.1876% | 4,470 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.3596% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0816% | 4,557 |
| Return on assets (ROA) | 0.0738% | 4,531 |
| Pretax return on assets | 0.0966% | 4,519 |
| Return on Equity (ROE) | 1.1100% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.1126% | 4,197 |
| Net charge-offs to loans | -0.1198% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.6845% | 206 |
| Assets per employee ($millions) | 6.0209% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 541 |
| Loan loss allowance to noncurrent loans | 385.2535% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 1,566 |
| Noncurrent loans to loans | 0.5072% | 1,530 |
| Net loans and leases to total assets | 42.8700% | 3,946 |
| Net loans and leases to deposits | 45.7887% | 4,035 |
| Net loans and leases to core deposits | 46.2685% | 4,094 |
| Total domestic deposits to total assets | 93.6300% | 428 |
| Equity capital to assets | 6.3054% | 3,841 |
| Core capital (leverage) ratio | 7.3158% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6065% | 1,065 |
| Memoranda: | ||
| Average total assets | $392,146,750 | 2,072 |
| Average earning assets | $372,946,750 | 2,034 |
| Average equity | $26,004,500 | 2,574 |
| Average total loans | $165,894,000 | 2,493 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3062% | 4,516 |
| Cost of funding earning assets | 0.1500% | 3,578 |
| Net interest margin | 2.1562% | 4,483 |
| Noninterest income to average assets | 0.3695% | 2,932 |
| Noninterest expense to average assets | 2.3761% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0345% | 4,559 |
| Return on assets (ROA) | 0.0224% | 4,539 |
| Pretax return on assets | 0.0296% | 4,528 |
| Return on Equity (ROE) | 0.3327% | 4,527 |
| Retained earnings to average equity (ytd only) | 0.3327% | 4,124 |
| Net charge-offs to loans | -0.1340% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1474% | 214 |
| Assets per employee ($millions) | 6.3609% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 569 |
| Loan loss allowance to noncurrent loans | 607.5368% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,023 |
| Noncurrent loans to loans | 0.3272% | 2,166 |
| Net loans and leases to total assets | 40.6692% | 4,044 |
| Net loans and leases to deposits | 43.4460% | 4,134 |
| Net loans and leases to core deposits | 43.8897% | 4,192 |
| Total domestic deposits to total assets | 93.6085% | 366 |
| Equity capital to assets | 6.3249% | 4,092 |
| Core capital (leverage) ratio | 7.2117% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0936% | 979 |
| Memoranda: | ||
| Average total assets | $392,408,667 | 2,080 |
| Average earning assets | $373,344,333 | 2,054 |
| Average equity | $26,447,000 | 2,611 |
| Average total loans | $164,151,000 | 2,515 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2536% | 4,496 |
| Cost of funding earning assets | 0.1006% | 4,126 |
| Net interest margin | 2.1530% | 4,395 |
| Noninterest income to average assets | 0.3585% | 2,942 |
| Noninterest expense to average assets | 2.3336% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0590% | 4,506 |
| Return on assets (ROA) | 0.0443% | 4,495 |
| Pretax return on assets | 0.0567% | 4,482 |
| Return on Equity (ROE) | 0.6371% | 4,470 |
| Retained earnings to average equity (ytd only) | 0.6371% | 3,892 |
| Net charge-offs to loans | -0.1619% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8777% | 305 |
| Assets per employee ($millions) | 6.0363% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 604 |
| Loan loss allowance to noncurrent loans | 1,325.6098% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,622 |
| Noncurrent loans to loans | 0.1517% | 3,043 |
| Net loans and leases to total assets | 39.8732% | 4,023 |
| Net loans and leases to deposits | 42.7025% | 4,132 |
| Net loans and leases to core deposits | 43.1415% | 4,195 |
| Total domestic deposits to total assets | 93.3744% | 190 |
| Equity capital to assets | 6.5217% | 4,421 |
| Core capital (leverage) ratio | 7.3070% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7535% | 933 |
| Memoranda: | ||
| Average total assets | $388,245,000 | 2,103 |
| Average earning assets | $369,718,000 | 2,076 |
| Average equity | $26,997,500 | 2,656 |
| Average total loans | $163,086,000 | 2,522 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8088% | 4,191 |
| Cost of funding earning assets | 0.1741% | 3,727 |
| Net interest margin | 2.6348% | 3,986 |
| Noninterest income to average assets | 0.3931% | 3,086 |
| Noninterest expense to average assets | 2.4562% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3358% | 4,377 |
| Return on assets (ROA) | 0.3391% | 4,389 |
| Pretax return on assets | 0.4389% | 4,346 |
| Return on Equity (ROE) | 4.4063% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.4063% | 3,052 |
| Net charge-offs to loans | -0.0752% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9594% | 521 |
| Assets per employee ($millions) | 6.0015% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 665 |
| Loan loss allowance to noncurrent loans | 678.3439% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 2,655 |
| Noncurrent loans to loans | 0.2871% | 2,567 |
| Net loans and leases to total assets | 42.5457% | 3,944 |
| Net loans and leases to deposits | 46.0256% | 4,090 |
| Net loans and leases to core deposits | 46.5285% | 4,162 |
| Total domestic deposits to total assets | 92.4392% | 100 |
| Equity capital to assets | 7.4089% | 4,622 |
| Core capital (leverage) ratio | 7.6733% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3001% | 988 |
| Memoranda: | ||
| Average total assets | $366,578,800 | 2,117 |
| Average earning assets | $347,545,400 | 2,093 |
| Average equity | $28,209,800 | 2,637 |
| Average total loans | $167,496,800 | 2,490 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 4,165 |
| Cost of funding earning assets | 0.1959% | 3,647 |
| Net interest margin | 2.7090% | 3,952 |
| Noninterest income to average assets | 0.3699% | 3,247 |
| Noninterest expense to average assets | 2.4503% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3747% | 4,414 |
| Return on assets (ROA) | 0.3805% | 4,435 |
| Pretax return on assets | 0.4916% | 4,380 |
| Return on Equity (ROE) | 4.8974% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.8974% | 3,256 |
| Net charge-offs to loans | -0.0594% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4978% | 548 |
| Assets per employee ($millions) | 5.5229% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 714 |
| Loan loss allowance to noncurrent loans | 1,355.1724% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,291 |
| Noncurrent loans to loans | 0.1431% | 3,397 |
| Net loans and leases to total assets | 43.6027% | 3,988 |
| Net loans and leases to deposits | 47.4007% | 4,152 |
| Net loans and leases to core deposits | 47.9416% | 4,244 |
| Total domestic deposits to total assets | 91.9874% | 131 |
| Equity capital to assets | 7.8362% | 4,593 |
| Core capital (leverage) ratio | 7.8114% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8780% | 1,155 |
| Memoranda: | ||
| Average total assets | $363,699,250 | 2,153 |
| Average earning assets | $344,330,750 | 2,131 |
| Average equity | $28,259,000 | 2,661 |
| Average total loans | $168,356,250 | 2,518 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8789% | 4,251 |
| Cost of funding earning assets | 0.2276% | 3,489 |
| Net interest margin | 2.6513% | 4,077 |
| Noninterest income to average assets | 0.3588% | 3,313 |
| Noninterest expense to average assets | 2.4616% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3147% | 4,511 |
| Return on assets (ROA) | 0.3225% | 4,525 |
| Pretax return on assets | 0.4138% | 4,490 |
| Return on Equity (ROE) | 4.1623% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.1623% | 3,472 |
| Net charge-offs to loans | -0.0399% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9036% | 480 |
| Assets per employee ($millions) | 5.6628% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 888 |
| Loan loss allowance to noncurrent loans | 1,410.4545% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 3,453 |
| Noncurrent loans to loans | 0.1274% | 3,550 |
| Net loans and leases to total assets | 45.3898% | 3,946 |
| Net loans and leases to deposits | 49.2315% | 4,153 |
| Net loans and leases to core deposits | 49.7769% | 4,241 |
| Total domestic deposits to total assets | 92.1966% | 92 |
| Equity capital to assets | 7.5556% | 4,719 |
| Core capital (leverage) ratio | 7.6341% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1529% | 1,083 |
| Memoranda: | ||
| Average total assets | $363,427,667 | 2,140 |
| Average earning assets | $343,609,333 | 2,122 |
| Average equity | $28,157,333 | 2,661 |
| Average total loans | $170,447,667 | 2,508 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8797% | 4,284 |
| Cost of funding earning assets | 0.2581% | 3,397 |
| Net interest margin | 2.6216% | 4,110 |
| Noninterest income to average assets | 0.3506% | 3,341 |
| Noninterest expense to average assets | 2.5210% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2432% | 4,601 |
| Return on assets (ROA) | 0.2568% | 4,605 |
| Pretax return on assets | 0.3182% | 4,582 |
| Return on Equity (ROE) | 3.2721% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.2721% | 3,696 |
| Net charge-offs to loans | 0.0189% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,047 |
| Efficiency ratio | 89.3196% | 394 |
| Assets per employee ($millions) | 5.6993% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 909 |
| Loan loss allowance to noncurrent loans | 987.4194% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 3,456 |
| Noncurrent loans to loans | 0.1797% | 3,461 |
| Net loans and leases to total assets | 45.7285% | 3,979 |
| Net loans and leases to deposits | 49.6064% | 4,184 |
| Net loans and leases to core deposits | 50.4173% | 4,279 |
| Total domestic deposits to total assets | 92.1825% | 112 |
| Equity capital to assets | 7.5656% | 4,687 |
| Core capital (leverage) ratio | 7.6826% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8952% | 1,329 |
| Memoranda: | ||
| Average total assets | $358,268,000 | 2,145 |
| Average earning assets | $337,815,000 | 2,133 |
| Average equity | $28,116,500 | 2,662 |
| Average total loans | $169,298,500 | 2,519 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 4,048 |
| Cost of funding earning assets | 0.4367% | 3,367 |
| Net interest margin | 3.0532% | 3,744 |
| Noninterest income to average assets | 0.3963% | 3,111 |
| Noninterest expense to average assets | 2.7725% | 2,015 |
| Loan and lease loss provision to assets | 0.0393% | 3,915 |
| Net operating income to assets | 0.3525% | 4,338 |
| Return on assets (ROA) | 0.3652% | 4,392 |
| Pretax return on assets | 0.4753% | 4,314 |
| Return on Equity (ROE) | 4.3350% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.3350% | 2,634 |
| Net charge-offs to loans | -0.0492% | 4,664 |
| Credit loss provision to net charge-offs | -154.7619% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7577% | 581 |
| Assets per employee ($millions) | 5.2437% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 790 |
| Loan loss allowance to noncurrent loans | 284.1667% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 2,481 |
| Noncurrent loans to loans | 0.6501% | 2,054 |
| Net loans and leases to total assets | 47.1172% | 4,043 |
| Net loans and leases to deposits | 51.3885% | 4,251 |
| Net loans and leases to core deposits | 52.2480% | 4,326 |
| Total domestic deposits to total assets | 91.6881% | 105 |
| Equity capital to assets | 8.1500% | 4,642 |
| Core capital (leverage) ratio | 8.0504% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9736% | 1,270 |
| Memoranda: | ||
| Average total assets | $330,527,000 | 2,135 |
| Average earning assets | $311,218,000 | 2,110 |
| Average equity | $27,843,200 | 2,608 |
| Average total loans | $170,874,200 | 2,481 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4860% | 4,227 |
| Cost of funding earning assets | 0.4775% | 3,375 |
| Net interest margin | 3.0084% | 3,955 |
| Noninterest income to average assets | 0.4310% | 2,932 |
| Noninterest expense to average assets | 2.7969% | 1,970 |
| Loan and lease loss provision to assets | 0.0530% | 3,686 |
| Net operating income to assets | 0.3176% | 4,414 |
| Return on assets (ROA) | 0.3314% | 4,447 |
| Pretax return on assets | 0.4249% | 4,404 |
| Return on Equity (ROE) | 3.9011% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.9011% | 3,099 |
| Net charge-offs to loans | -0.0488% | 4,665 |
| Credit loss provision to net charge-offs | -206.3492% | 3,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8647% | 505 |
| Assets per employee ($millions) | 4.9845% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 754 |
| Loan loss allowance to noncurrent loans | 405.8589% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,020 |
| Noncurrent loans to loans | 0.4398% | 2,732 |
| Net loans and leases to total assets | 49.4791% | 4,120 |
| Net loans and leases to deposits | 54.1419% | 4,333 |
| Net loans and leases to core deposits | 55.1120% | 4,410 |
| Total domestic deposits to total assets | 91.3878% | 111 |
| Equity capital to assets | 8.2871% | 4,584 |
| Core capital (leverage) ratio | 8.0656% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1179% | 1,037 |
| Memoranda: | ||
| Average total assets | $326,637,750 | 2,134 |
| Average earning assets | $306,862,000 | 2,117 |
| Average equity | $27,752,500 | 2,608 |
| Average total loans | $172,059,250 | 2,467 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,112 |
| Cost of funding earning assets | 0.5289% | 3,357 |
| Net interest margin | 3.1592% | 3,768 |
| Noninterest income to average assets | 0.3659% | 3,289 |
| Noninterest expense to average assets | 2.8090% | 2,078 |
| Loan and lease loss provision to assets | 0.0806% | 3,276 |
| Net operating income to assets | 0.3564% | 4,319 |
| Return on assets (ROA) | 0.3770% | 4,338 |
| Pretax return on assets | 0.4837% | 4,278 |
| Return on Equity (ROE) | 4.3994% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.3994% | 2,744 |
| Net charge-offs to loans | -0.0788% | 4,802 |
| Credit loss provision to net charge-offs | -191.1765% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9200% | 643 |
| Assets per employee ($millions) | 4.8367% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 768 |
| Loan loss allowance to noncurrent loans | 307.7621% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 2,861 |
| Noncurrent loans to loans | 0.5626% | 2,477 |
| Net loans and leases to total assets | 51.1755% | 4,082 |
| Net loans and leases to deposits | 56.0340% | 4,290 |
| Net loans and leases to core deposits | 57.0357% | 4,398 |
| Total domestic deposits to total assets | 91.3295% | 103 |
| Equity capital to assets | 8.3099% | 4,584 |
| Core capital (leverage) ratio | 8.0954% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6143% | 1,109 |
| Memoranda: | ||
| Average total assets | $322,534,000 | 2,136 |
| Average earning assets | $304,378,333 | 2,109 |
| Average equity | $27,640,333 | 2,607 |
| Average total loans | $172,493,333 | 2,450 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,180 |
| Cost of funding earning assets | 0.6297% | 3,275 |
| Net interest margin | 3.1957% | 3,867 |
| Noninterest income to average assets | 0.4019% | 3,083 |
| Noninterest expense to average assets | 2.9658% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3470% | 4,248 |
| Return on assets (ROA) | 0.3752% | 4,226 |
| Pretax return on assets | 0.4922% | 4,137 |
| Return on Equity (ROE) | 4.3077% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.3077% | 2,573 |
| Net charge-offs to loans | -0.0446% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6592% | 659 |
| Assets per employee ($millions) | 4.5714% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 911 |
| Loan loss allowance to noncurrent loans | 1,429.8507% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 3,982 |
| Noncurrent loans to loans | 0.1171% | 4,054 |
| Net loans and leases to total assets | 52.7199% | 4,078 |
| Net loans and leases to deposits | 57.9468% | 4,289 |
| Net loans and leases to core deposits | 59.0990% | 4,395 |
| Total domestic deposits to total assets | 90.9799% | 110 |
| Equity capital to assets | 8.7717% | 4,706 |
| Core capital (leverage) ratio | 8.3450% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1280% | 1,318 |
| Memoranda: | ||
| Average total assets | $314,515,000 | 2,130 |
| Average earning assets | $297,270,000 | 2,093 |
| Average equity | $27,393,000 | 2,613 |
| Average total loans | $170,580,500 | 2,446 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 3,956 |
| Cost of funding earning assets | 0.9001% | 2,189 |
| Net interest margin | 3.2394% | 4,111 |
| Noninterest income to average assets | 0.4563% | 2,970 |
| Noninterest expense to average assets | 2.7896% | 2,639 |
| Loan and lease loss provision to assets | 0.0491% | 3,040 |
| Net operating income to assets | 0.5291% | 4,340 |
| Return on assets (ROA) | 0.5071% | 4,441 |
| Pretax return on assets | 0.6252% | 4,373 |
| Return on Equity (ROE) | 5.9407% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.9407% | 1,898 |
| Net charge-offs to loans | 0.1439% | 1,364 |
| Credit loss provision to net charge-offs | 59.2885% | 3,044 |
| Earnings coverage of net charge-offs (x) | 8.4704% | 2,770 |
| Efficiency ratio | 79.9062% | 952 |
| Assets per employee ($millions) | 4.4148% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 830 |
| Loan loss allowance to noncurrent loans | 3,398.8095% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,130 |
| Noncurrent loans to loans | 0.0495% | 4,349 |
| Net loans and leases to total assets | 53.9521% | 4,077 |
| Net loans and leases to deposits | 59.2333% | 4,320 |
| Net loans and leases to core deposits | 60.4464% | 4,420 |
| Total domestic deposits to total assets | 91.0842% | 109 |
| Equity capital to assets | 8.6453% | 4,848 |
| Core capital (leverage) ratio | 8.5712% | 4,802 |
| Tier 1 risk-based capital ratio | 16.0081% | 2,406 |
| Total risk-based capital ratio | 17.2635% | 2,347 |
| Memoranda: | ||
| Average total assets | $305,489,000 | 2,131 |
| Average earning assets | $286,193,000 | 2,110 |
| Average equity | $26,074,200 | 2,626 |
| Average total loans | $175,822,800 | 2,363 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,958 |
| Cost of funding earning assets | 0.9634% | 1,919 |
| Net interest margin | 3.2185% | 4,256 |
| Noninterest income to average assets | 0.4386% | 3,085 |
| Noninterest expense to average assets | 2.8544% | 2,396 |
| Loan and lease loss provision to assets | 0.0657% | 2,576 |
| Net operating income to assets | 0.4457% | 4,629 |
| Return on assets (ROA) | 0.4097% | 4,732 |
| Pretax return on assets | 0.4850% | 4,714 |
| Return on Equity (ROE) | 4.8159% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.8159% | 2,981 |
| Net charge-offs to loans | 0.3879% | 429 |
| Credit loss provision to net charge-offs | 29.0698% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.6279% | 3,180 |
| Efficiency ratio | 82.7853% | 699 |
| Assets per employee ($millions) | 4.4907% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,268 |
| Loan loss allowance to noncurrent loans | 881.6327% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,219 |
| Noncurrent loans to loans | 0.1693% | 3,933 |
| Net loans and leases to total assets | 56.8715% | 3,979 |
| Net loans and leases to deposits | 62.5103% | 4,261 |
| Net loans and leases to core deposits | 63.9006% | 4,375 |
| Total domestic deposits to total assets | 90.9795% | 103 |
| Equity capital to assets | 8.8075% | 4,873 |
| Core capital (leverage) ratio | 8.5989% | 4,889 |
| Tier 1 risk-based capital ratio | 15.2680% | 2,729 |
| Total risk-based capital ratio | 16.5207% | 2,660 |
| Memoranda: | ||
| Average total assets | $304,602,500 | 2,154 |
| Average earning assets | $284,802,750 | 2,133 |
| Average equity | $25,913,500 | 2,649 |
| Average total loans | $177,382,000 | 2,370 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 4,090 |
| Cost of funding earning assets | 0.9976% | 1,702 |
| Net interest margin | 3.1335% | 4,478 |
| Noninterest income to average assets | 0.4251% | 3,101 |
| Noninterest expense to average assets | 2.8622% | 2,378 |
| Loan and lease loss provision to assets | 0.0981% | 1,905 |
| Net operating income to assets | 0.3676% | 4,781 |
| Return on assets (ROA) | 0.3073% | 4,878 |
| Pretax return on assets | 0.3276% | 4,906 |
| Return on Equity (ROE) | 3.6550% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.6550% | 3,426 |
| Net charge-offs to loans | 0.3371% | 509 |
| Credit loss provision to net charge-offs | 49.8339% | 2,479 |
| Earnings coverage of net charge-offs (x) | 2.4884% | 2,938 |
| Efficiency ratio | 85.3882% | 576 |
| Assets per employee ($millions) | 4.5546% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,049 |
| Loan loss allowance to noncurrent loans | 513.1627% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 3,878 |
| Noncurrent loans to loans | 0.3097% | 3,434 |
| Net loans and leases to total assets | 56.1245% | 4,073 |
| Net loans and leases to deposits | 61.4703% | 4,354 |
| Net loans and leases to core deposits | 62.6202% | 4,473 |
| Total domestic deposits to total assets | 91.3036% | 75 |
| Equity capital to assets | 8.5318% | 5,026 |
| Core capital (leverage) ratio | 8.3890% | 5,017 |
| Tier 1 risk-based capital ratio | 15.3060% | 2,710 |
| Total risk-based capital ratio | 16.5607% | 2,639 |
| Memoranda: | ||
| Average total assets | $305,843,330 | 2,152 |
| Average earning assets | $285,689,000 | 2,129 |
| Average equity | $25,718,000 | 2,659 |
| Average total loans | $178,607,000 | 2,357 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 4,060 |
| Cost of funding earning assets | 1.0120% | 1,521 |
| Net interest margin | 3.1139% | 4,566 |
| Noninterest income to average assets | 0.4120% | 3,096 |
| Noninterest expense to average assets | 2.8996% | 2,280 |
| Loan and lease loss provision to assets | 0.1974% | 818 |
| Net operating income to assets | 0.2106% | 5,004 |
| Return on assets (ROA) | 0.0816% | 5,105 |
| Pretax return on assets | 0.0816% | 5,106 |
| Return on Equity (ROE) | 0.9777% | 5,072 |
| Retained earnings to average equity (ytd only) | 0.9777% | 4,313 |
| Net charge-offs to loans | -0.3118% | 5,221 |
| Credit loss provision to net charge-offs | -107.1429% | 3,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6641% | 504 |
| Assets per employee ($millions) | 4.5093% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 672 |
| Loan loss allowance to noncurrent loans | 211.5961% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,642 |
| Noncurrent loans to loans | 0.8631% | 1,913 |
| Net loans and leases to total assets | 56.1167% | 4,049 |
| Net loans and leases to deposits | 61.2034% | 4,347 |
| Net loans and leases to core deposits | 62.2768% | 4,455 |
| Total domestic deposits to total assets | 91.6889% | 78 |
| Equity capital to assets | 8.2198% | 5,120 |
| Core capital (leverage) ratio | 8.3767% | 5,072 |
| Tier 1 risk-based capital ratio | 14.1719% | 3,259 |
| Total risk-based capital ratio | 15.4285% | 3,177 |
| Memoranda: | ||
| Average total assets | $303,908,500 | 2,180 |
| Average earning assets | $282,600,500 | 2,159 |
| Average equity | $25,365,000 | 2,685 |
| Average total loans | $179,594,500 | 2,374 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,296 |
| Cost of funding earning assets | 0.6606% | 2,318 |
| Net interest margin | 3.2288% | 4,429 |
| Noninterest income to average assets | 0.4773% | 2,957 |
| Noninterest expense to average assets | 3.1337% | 1,718 |
| Loan and lease loss provision to assets | 0.2043% | 921 |
| Net operating income to assets | 0.1777% | 5,127 |
| Return on assets (ROA) | 0.1695% | 5,125 |
| Pretax return on assets | 0.1331% | 5,157 |
| Return on Equity (ROE) | 1.9773% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.9773% | 4,360 |
| Net charge-offs to loans | -0.1428% | 5,216 |
| Credit loss provision to net charge-offs | -240.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0685% | 340 |
| Assets per employee ($millions) | 4.4280% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 965 |
| Loan loss allowance to noncurrent loans | 2,258.0153% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,627 |
| Noncurrent loans to loans | 0.0722% | 4,433 |
| Net loans and leases to total assets | 60.1265% | 3,759 |
| Net loans and leases to deposits | 65.7930% | 4,135 |
| Net loans and leases to core deposits | 66.9454% | 4,300 |
| Total domestic deposits to total assets | 91.3873% | 134 |
| Equity capital to assets | 8.4789% | 4,945 |
| Core capital (leverage) ratio | 8.7532% | 4,844 |
| Tier 1 risk-based capital ratio | 14.0972% | 3,246 |
| Total risk-based capital ratio | 15.3518% | 3,179 |
| Memoranda: | ||
| Average total assets | $293,742,200 | 2,192 |
| Average earning assets | $273,103,400 | 2,175 |
| Average equity | $25,186,200 | 2,636 |
| Average total loans | $175,094,600 | 2,377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,379 |
| Cost of funding earning assets | 0.5632% | 2,756 |
| Net interest margin | 3.2618% | 4,376 |
| Noninterest income to average assets | 0.4600% | 3,100 |
| Noninterest expense to average assets | 2.8545% | 2,446 |
| Loan and lease loss provision to assets | 0.2048% | 836 |
| Net operating income to assets | 0.3866% | 4,979 |
| Return on assets (ROA) | 0.3768% | 4,991 |
| Pretax return on assets | 0.4205% | 5,014 |
| Return on Equity (ROE) | 4.3819% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.3819% | 3,566 |
| Net charge-offs to loans | -0.1475% | 5,249 |
| Credit loss provision to net charge-offs | -234.3750% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7755% | 793 |
| Assets per employee ($millions) | 4.1812% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,188 |
| Loan loss allowance to noncurrent loans | 107.3380% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 1,659 |
| Noncurrent loans to loans | 1.4464% | 1,136 |
| Net loans and leases to total assets | 60.4439% | 3,800 |
| Net loans and leases to deposits | 66.5322% | 4,161 |
| Net loans and leases to core deposits | 67.6267% | 4,316 |
| Total domestic deposits to total assets | 90.8490% | 255 |
| Equity capital to assets | 8.7541% | 4,759 |
| Core capital (leverage) ratio | 8.9954% | 4,710 |
| Tier 1 risk-based capital ratio | 14.5533% | 3,096 |
| Total risk-based capital ratio | 15.8067% | 3,011 |
| Memoranda: | ||
| Average total assets | $293,008,250 | 2,205 |
| Average earning assets | $272,233,500 | 2,192 |
| Average equity | $25,194,000 | 2,646 |
| Average total loans | $173,533,250 | 2,409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,501 |
| Cost of funding earning assets | 0.4892% | 3,097 |
| Net interest margin | 3.2455% | 4,391 |
| Noninterest income to average assets | 0.4496% | 3,154 |
| Noninterest expense to average assets | 2.7327% | 2,897 |
| Loan and lease loss provision to assets | 0.2037% | 837 |
| Net operating income to assets | 0.4910% | 4,768 |
| Return on assets (ROA) | 0.4760% | 4,808 |
| Pretax return on assets | 0.5154% | 4,877 |
| Return on Equity (ROE) | 5.5694% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.5694% | 2,787 |
| Net charge-offs to loans | -0.2217% | 5,345 |
| Credit loss provision to net charge-offs | -157.0681% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7938% | 1,139 |
| Assets per employee ($millions) | 4.1650% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,375 |
| Loan loss allowance to noncurrent loans | 428.1713% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 3,959 |
| Noncurrent loans to loans | 0.3520% | 3,438 |
| Net loans and leases to total assets | 58.2638% | 3,966 |
| Net loans and leases to deposits | 63.9056% | 4,284 |
| Net loans and leases to core deposits | 64.7434% | 4,446 |
| Total domestic deposits to total assets | 91.1717% | 210 |
| Equity capital to assets | 8.6592% | 4,836 |
| Core capital (leverage) ratio | 8.7683% | 4,913 |
| Tier 1 risk-based capital ratio | 14.5367% | 3,100 |
| Total risk-based capital ratio | 15.7892% | 3,017 |
| Memoranda: | ||
| Average total assets | $294,509,670 | 2,205 |
| Average earning assets | $273,916,670 | 2,196 |
| Average equity | $25,173,330 | 2,655 |
| Average total loans | $172,333,330 | 2,427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,537 |
| Cost of funding earning assets | 0.4522% | 3,190 |
| Net interest margin | 3.2187% | 4,404 |
| Noninterest income to average assets | 0.4338% | 3,214 |
| Noninterest expense to average assets | 2.7623% | 2,835 |
| Loan and lease loss provision to assets | 0.2027% | 823 |
| Net operating income to assets | 0.4056% | 4,915 |
| Return on assets (ROA) | 0.3987% | 4,931 |
| Pretax return on assets | 0.4716% | 4,915 |
| Return on Equity (ROE) | 4.6943% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.6943% | 3,313 |
| Net charge-offs to loans | -0.1254% | 5,280 |
| Credit loss provision to net charge-offs | -277.7778% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1883% | 1,115 |
| Assets per employee ($millions) | 4.4375% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,996 |
| Loan loss allowance to noncurrent loans | 682.0059% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 4,535 |
| Noncurrent loans to loans | 0.1990% | 4,075 |
| Net loans and leases to total assets | 55.6898% | 4,145 |
| Net loans and leases to deposits | 60.8025% | 4,418 |
| Net loans and leases to core deposits | 61.5101% | 4,582 |
| Total domestic deposits to total assets | 91.5913% | 172 |
| Equity capital to assets | 8.2423% | 5,151 |
| Core capital (leverage) ratio | 8.5635% | 5,094 |
| Tier 1 risk-based capital ratio | 14.1325% | 3,312 |
| Total risk-based capital ratio | 15.3825% | 3,234 |
| Memoranda: | ||
| Average total assets | $295,989,500 | 2,213 |
| Average earning assets | $276,878,000 | 2,197 |
| Average equity | $25,137,000 | 2,680 |
| Average total loans | $172,266,500 | 2,444 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,355 |
| Cost of funding earning assets | 0.4096% | 3,164 |
| Net interest margin | 3.2828% | 4,209 |
| Noninterest income to average assets | 0.5231% | 2,859 |
| Noninterest expense to average assets | 3.0512% | 2,006 |
| Loan and lease loss provision to assets | 0.0471% | 3,283 |
| Net operating income to assets | 0.2581% | 5,007 |
| Return on assets (ROA) | 0.2548% | 5,029 |
| Pretax return on assets | 0.4680% | 4,978 |
| Return on Equity (ROE) | 2.8679% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.8679% | 3,597 |
| Net charge-offs to loans | 0.2136% | 1,217 |
| Credit loss provision to net charge-offs | 36.7847% | 3,472 |
| Earnings coverage of net charge-offs (x) | 4.0627% | 3,522 |
| Efficiency ratio | 85.4309% | 679 |
| Assets per employee ($millions) | 4.3974% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,715 |
| Loan loss allowance to noncurrent loans | 941.0714% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,734 |
| Noncurrent loans to loans | 0.1286% | 4,412 |
| Net loans and leases to total assets | 59.2873% | 3,901 |
| Net loans and leases to deposits | 65.1107% | 4,252 |
| Net loans and leases to core deposits | 65.9646% | 4,416 |
| Total domestic deposits to total assets | 91.0561% | 227 |
| Equity capital to assets | 8.7527% | 4,923 |
| Core capital (leverage) ratio | 9.0049% | 4,643 |
| Tier 1 risk-based capital ratio | 13.9582% | 3,388 |
| Total risk-based capital ratio | 15.1032% | 3,354 |
| Memoranda: | ||
| Average total assets | $286,539,600 | 2,250 |
| Average earning assets | $266,084,800 | 2,238 |
| Average equity | $25,454,200 | 2,647 |
| Average total loans | $171,786,800 | 2,403 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,397 |
| Cost of funding earning assets | 0.3983% | 3,214 |
| Net interest margin | 3.2714% | 4,258 |
| Noninterest income to average assets | 0.4934% | 3,063 |
| Noninterest expense to average assets | 2.8396% | 2,597 |
| Loan and lease loss provision to assets | 0.0630% | 2,808 |
| Net operating income to assets | 0.4669% | 4,832 |
| Return on assets (ROA) | 0.4617% | 4,878 |
| Pretax return on assets | 0.6246% | 4,791 |
| Return on Equity (ROE) | 5.1778% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1778% | 2,762 |
| Net charge-offs to loans | -0.1900% | 5,530 |
| Credit loss provision to net charge-offs | -55.3279% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3461% | 1,062 |
| Assets per employee ($millions) | 4.3690% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,282 |
| Loan loss allowance to noncurrent loans | 515.9393% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,362 |
| Noncurrent loans to loans | 0.3063% | 3,841 |
| Net loans and leases to total assets | 59.6269% | 3,908 |
| Net loans and leases to deposits | 65.7582% | 4,270 |
| Net loans and leases to core deposits | 66.6423% | 4,446 |
| Total domestic deposits to total assets | 90.6759% | 265 |
| Equity capital to assets | 9.1434% | 4,785 |
| Core capital (leverage) ratio | 8.9483% | 4,800 |
| Tier 1 risk-based capital ratio | 14.3847% | 3,247 |
| Total risk-based capital ratio | 15.6377% | 3,162 |
| Memoranda: | ||
| Average total assets | $285,616,750 | 2,269 |
| Average earning assets | $265,484,750 | 2,257 |
| Average equity | $25,467,000 | 2,665 |
| Average total loans | $171,189,000 | 2,423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 4,504 |
| Cost of funding earning assets | 0.3811% | 3,278 |
| Net interest margin | 3.2218% | 4,347 |
| Noninterest income to average assets | 0.5067% | 2,977 |
| Noninterest expense to average assets | 2.5930% | 3,454 |
| Loan and lease loss provision to assets | 0.0944% | 2,098 |
| Net operating income to assets | 0.6140% | 4,241 |
| Return on assets (ROA) | 0.6067% | 4,321 |
| Pretax return on assets | 0.8051% | 4,250 |
| Return on Equity (ROE) | 6.8615% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.8615% | 1,660 |
| Net charge-offs to loans | -0.2118% | 5,586 |
| Credit loss provision to net charge-offs | -74.5856% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0371% | 2,011 |
| Assets per employee ($millions) | 4.6574% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,471 |
| Loan loss allowance to noncurrent loans | 377.4148% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,098 |
| Noncurrent loans to loans | 0.4057% | 3,571 |
| Net loans and leases to total assets | 59.1707% | 3,908 |
| Net loans and leases to deposits | 65.1390% | 4,291 |
| Net loans and leases to core deposits | 66.0590% | 4,464 |
| Total domestic deposits to total assets | 90.8376% | 258 |
| Equity capital to assets | 8.9456% | 4,950 |
| Core capital (leverage) ratio | 9.0467% | 4,673 |
| Tier 1 risk-based capital ratio | 14.0558% | 3,404 |
| Total risk-based capital ratio | 15.3082% | 3,321 |
| Memoranda: | ||
| Average total assets | $286,160,330 | 2,269 |
| Average earning assets | $266,066,330 | 2,260 |
| Average equity | $25,300,670 | 2,681 |
| Average total loans | $170,901,670 | 2,431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 4,630 |
| Cost of funding earning assets | 0.3474% | 3,561 |
| Net interest margin | 3.1763% | 4,418 |
| Noninterest income to average assets | 0.5083% | 2,919 |
| Noninterest expense to average assets | 2.6188% | 3,421 |
| Loan and lease loss provision to assets | 0.1053% | 1,816 |
| Net operating income to assets | 0.5294% | 4,469 |
| Return on assets (ROA) | 0.5294% | 4,510 |
| Pretax return on assets | 0.7372% | 4,317 |
| Return on Equity (ROE) | 6.0234% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.0234% | 2,321 |
| Net charge-offs to loans | -0.5731% | 5,752 |
| Credit loss provision to net charge-offs | -30.8642% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6592% | 1,961 |
| Assets per employee ($millions) | 4.5917% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,487 |
| Loan loss allowance to noncurrent loans | 467.3111% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,141 |
| Noncurrent loans to loans | 0.3334% | 3,912 |
| Net loans and leases to total assets | 58.0856% | 3,965 |
| Net loans and leases to deposits | 64.0218% | 4,307 |
| Net loans and leases to core deposits | 64.9229% | 4,494 |
| Total domestic deposits to total assets | 90.7280% | 384 |
| Equity capital to assets | 8.7345% | 5,049 |
| Core capital (leverage) ratio | 8.9303% | 4,816 |
| Tier 1 risk-based capital ratio | 14.1636% | 3,379 |
| Total risk-based capital ratio | 15.4165% | 3,295 |
| Memoranda: | ||
| Average total assets | $284,862,500 | 2,291 |
| Average earning assets | $264,838,500 | 2,284 |
| Average equity | $25,035,500 | 2,710 |
| Average total loans | $169,594,500 | 2,464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,397 |
| Cost of funding earning assets | 0.3383% | 3,650 |
| Net interest margin | 3.3044% | 4,134 |
| Noninterest income to average assets | 0.5595% | 2,868 |
| Noninterest expense to average assets | 2.6361% | 3,565 |
| Loan and lease loss provision to assets | 0.2179% | 1,016 |
| Net operating income to assets | 0.5807% | 4,290 |
| Return on assets (ROA) | 0.6017% | 4,308 |
| Pretax return on assets | 0.8199% | 4,133 |
| Return on Equity (ROE) | 6.8302% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.8302% | 1,295 |
| Net charge-offs to loans | 0.5216% | 465 |
| Credit loss provision to net charge-offs | 69.8487% | 3,135 |
| Earnings coverage of net charge-offs (x) | 3.2352% | 3,704 |
| Efficiency ratio | 72.3180% | 2,544 |
| Assets per employee ($millions) | 4.3820% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 2,126 |
| Loan loss allowance to noncurrent loans | 1,393.4524% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,815 |
| Noncurrent loans to loans | 0.0997% | 4,841 |
| Net loans and leases to total assets | 59.2483% | 3,932 |
| Net loans and leases to deposits | 65.0572% | 4,329 |
| Net loans and leases to core deposits | 65.9960% | 4,526 |
| Total domestic deposits to total assets | 91.0710% | 257 |
| Equity capital to assets | 8.8445% | 4,971 |
| Core capital (leverage) ratio | 8.9601% | 4,785 |
| Tier 1 risk-based capital ratio | 14.3154% | 3,273 |
| Total risk-based capital ratio | 15.5665% | 3,200 |
| Memoranda: | ||
| Average total assets | $275,405,000 | 2,314 |
| Average earning assets | $257,172,800 | 2,300 |
| Average equity | $24,259,800 | 2,781 |
| Average total loans | $164,690,000 | 2,468 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,478 |
| Cost of funding earning assets | 0.3406% | 3,648 |
| Net interest margin | 3.2855% | 4,232 |
| Noninterest income to average assets | 0.5433% | 2,950 |
| Noninterest expense to average assets | 2.6063% | 3,642 |
| Loan and lease loss provision to assets | 0.2043% | 1,034 |
| Net operating income to assets | 0.5676% | 4,425 |
| Return on assets (ROA) | 0.5812% | 4,480 |
| Pretax return on assets | 0.8292% | 4,217 |
| Return on Equity (ROE) | 6.6047% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.6047% | 1,843 |
| Net charge-offs to loans | 0.3852% | 571 |
| Credit loss provision to net charge-offs | 88.7949% | 2,549 |
| Earnings coverage of net charge-offs (x) | 4.4080% | 3,272 |
| Efficiency ratio | 71.9909% | 2,581 |
| Assets per employee ($millions) | 4.4452% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,619 |
| Loan loss allowance to noncurrent loans | 288.7755% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 4,127 |
| Noncurrent loans to loans | 0.5355% | 3,385 |
| Net loans and leases to total assets | 58.8359% | 4,010 |
| Net loans and leases to deposits | 64.7730% | 4,427 |
| Net loans and leases to core deposits | 65.6608% | 4,631 |
| Total domestic deposits to total assets | 90.8340% | 227 |
| Equity capital to assets | 8.9556% | 5,214 |
| Core capital (leverage) ratio | 8.8555% | 4,999 |
| Tier 1 risk-based capital ratio | 14.2493% | 3,433 |
| Total risk-based capital ratio | 15.5018% | 3,353 |
| Memoranda: | ||
| Average total assets | $274,144,500 | 2,335 |
| Average earning assets | $256,757,250 | 2,311 |
| Average equity | $24,123,750 | 2,810 |
| Average total loans | $163,737,250 | 2,480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 4,625 |
| Cost of funding earning assets | 0.3514% | 3,551 |
| Net interest margin | 3.2369% | 4,418 |
| Noninterest income to average assets | 0.5606% | 2,848 |
| Noninterest expense to average assets | 2.4754% | 4,103 |
| Loan and lease loss provision to assets | 0.1754% | 1,249 |
| Net operating income to assets | 0.6461% | 4,058 |
| Return on assets (ROA) | 0.6461% | 4,203 |
| Pretax return on assets | 0.9391% | 3,805 |
| Return on Equity (ROE) | 7.3858% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.3858% | 1,437 |
| Net charge-offs to loans | 0.5055% | 434 |
| Credit loss provision to net charge-offs | 58.1114% | 2,601 |
| Earnings coverage of net charge-offs (x) | 3.6925% | 3,073 |
| Efficiency ratio | 68.9536% | 3,163 |
| Assets per employee ($millions) | 4.2791% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,953 |
| Loan loss allowance to noncurrent loans | 330.5177% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 4,424 |
| Noncurrent loans to loans | 0.4471% | 3,764 |
| Net loans and leases to total assets | 59.0598% | 4,004 |
| Net loans and leases to deposits | 65.0299% | 4,414 |
| Net loans and leases to core deposits | 65.9247% | 4,616 |
| Total domestic deposits to total assets | 90.8195% | 225 |
| Equity capital to assets | 8.9775% | 5,254 |
| Core capital (leverage) ratio | 8.8087% | 5,047 |
| Tier 1 risk-based capital ratio | 14.4709% | 3,337 |
| Total risk-based capital ratio | 15.7233% | 3,266 |
| Memoranda: | ||
| Average total assets | $273,658,000 | 2,343 |
| Average earning assets | $256,107,670 | 2,330 |
| Average equity | $23,937,670 | 2,836 |
| Average total loans | $163,416,000 | 2,490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,708 |
| Cost of funding earning assets | 0.3465% | 3,634 |
| Net interest margin | 3.2229% | 4,504 |
| Noninterest income to average assets | 0.5586% | 2,752 |
| Noninterest expense to average assets | 2.4624% | 4,194 |
| Loan and lease loss provision to assets | 0.0877% | 2,221 |
| Net operating income to assets | 0.6872% | 3,773 |
| Return on assets (ROA) | 0.6872% | 3,891 |
| Pretax return on assets | 1.0279% | 3,374 |
| Return on Equity (ROE) | 7.9615% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.9615% | 1,472 |
| Net charge-offs to loans | 0.2601% | 802 |
| Credit loss provision to net charge-offs | 56.6038% | 1,996 |
| Earnings coverage of net charge-offs (x) | 7.1981% | 2,164 |
| Efficiency ratio | 68.8190% | 3,326 |
| Assets per employee ($millions) | 4.6059% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,655 |
| Loan loss allowance to noncurrent loans | 625.7353% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,985 |
| Noncurrent loans to loans | 0.2532% | 4,525 |
| Net loans and leases to total assets | 57.3770% | 4,106 |
| Net loans and leases to deposits | 62.9702% | 4,510 |
| Net loans and leases to core deposits | 63.7594% | 4,703 |
| Total domestic deposits to total assets | 91.1178% | 238 |
| Equity capital to assets | 8.6636% | 5,452 |
| Core capital (leverage) ratio | 8.7077% | 5,165 |
| Tier 1 risk-based capital ratio | 14.0060% | 3,689 |
| Total risk-based capital ratio | 15.2592% | 3,616 |
| Memoranda: | ||
| Average total assets | $273,555,500 | 2,360 |
| Average earning assets | $256,291,500 | 2,338 |
| Average equity | $23,613,500 | 2,862 |
| Average total loans | $163,039,500 | 2,493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,413 |
| Cost of funding earning assets | 0.3611% | 3,569 |
| Net interest margin | 3.3245% | 4,199 |
| Noninterest income to average assets | 0.5575% | 2,976 |
| Noninterest expense to average assets | 2.7097% | 3,546 |
| Loan and lease loss provision to assets | 0.1125% | 2,120 |
| Net operating income to assets | 0.5481% | 4,506 |
| Return on assets (ROA) | 0.5781% | 4,483 |
| Pretax return on assets | 0.8895% | 3,882 |
| Return on Equity (ROE) | 5.9533% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9533% | 1,819 |
| Net charge-offs to loans | 0.1849% | 1,557 |
| Credit loss provision to net charge-offs | 99.6678% | 2,561 |
| Earnings coverage of net charge-offs (x) | 8.4651% | 2,948 |
| Efficiency ratio | 73.9228% | 2,596 |
| Assets per employee ($millions) | 4.3671% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,699 |
| Loan loss allowance to noncurrent loans | 392.5982% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,620 |
| Noncurrent loans to loans | 0.4013% | 4,018 |
| Net loans and leases to total assets | 59.9664% | 3,844 |
| Net loans and leases to deposits | 65.7465% | 4,334 |
| Net loans and leases to core deposits | 66.6542% | 4,533 |
| Total domestic deposits to total assets | 91.2085% | 237 |
| Equity capital to assets | 8.5999% | 5,469 |
| Core capital (leverage) ratio | 8.4958% | 5,441 |
| Tier 1 risk-based capital ratio | 13.2720% | 4,119 |
| Total risk-based capital ratio | 14.5245% | 4,067 |
| Memoranda: | ||
| Average total assets | $266,562,000 | 2,372 |
| Average earning assets | $249,208,800 | 2,343 |
| Average equity | $25,885,000 | 2,625 |
| Average total loans | $162,810,400 | 2,429 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 4,502 |
| Cost of funding earning assets | 0.3655% | 3,596 |
| Net interest margin | 3.3098% | 4,301 |
| Noninterest income to average assets | 0.5338% | 3,143 |
| Noninterest expense to average assets | 2.6163% | 3,813 |
| Loan and lease loss provision to assets | 0.1506% | 1,448 |
| Net operating income to assets | 0.5609% | 4,559 |
| Return on assets (ROA) | 0.6011% | 4,486 |
| Pretax return on assets | 0.9295% | 3,888 |
| Return on Equity (ROE) | 6.0145% | 4,145 |
| Retained earnings to average equity (ytd only) | 6.0145% | 2,237 |
| Net charge-offs to loans | 0.2013% | 1,283 |
| Credit loss provision to net charge-offs | 122.4490% | 1,951 |
| Earnings coverage of net charge-offs (x) | 8.2775% | 2,830 |
| Efficiency ratio | 71.9812% | 2,887 |
| Assets per employee ($millions) | 4.4452% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 1,623 |
| Loan loss allowance to noncurrent loans | 665.4135% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 5,171 |
| Noncurrent loans to loans | 0.2474% | 4,689 |
| Net loans and leases to total assets | 58.5100% | 4,081 |
| Net loans and leases to deposits | 65.0968% | 4,461 |
| Net loans and leases to core deposits | 66.0585% | 4,683 |
| Total domestic deposits to total assets | 89.8815% | 628 |
| Equity capital to assets | 9.8537% | 4,339 |
| Core capital (leverage) ratio | 9.8466% | 3,839 |
| Tier 1 risk-based capital ratio | 14.1389% | 3,770 |
| Total risk-based capital ratio | 15.3908% | 3,705 |
| Memoranda: | ||
| Average total assets | $265,512,500 | 2,399 |
| Average earning assets | $248,752,000 | 2,369 |
| Average equity | $26,535,000 | 2,606 |
| Average total loans | $162,272,000 | 2,449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,439 |
| Cost of funding earning assets | 0.3733% | 3,568 |
| Net interest margin | 3.3156% | 4,236 |
| Noninterest income to average assets | 0.5174% | 3,246 |
| Noninterest expense to average assets | 2.6158% | 3,867 |
| Loan and lease loss provision to assets | 0.2276% | 828 |
| Net operating income to assets | 0.5055% | 4,743 |
| Return on assets (ROA) | 0.5652% | 4,604 |
| Pretax return on assets | 0.8800% | 4,031 |
| Return on Equity (ROE) | 5.6282% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.6282% | 2,447 |
| Net charge-offs to loans | 0.3432% | 766 |
| Credit loss provision to net charge-offs | 107.5269% | 1,953 |
| Earnings coverage of net charge-offs (x) | 4.7921% | 2,992 |
| Efficiency ratio | 72.0585% | 2,991 |
| Assets per employee ($millions) | 4.4040% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 1,780 |
| Loan loss allowance to noncurrent loans | 441.2458% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,972 |
| Noncurrent loans to loans | 0.3722% | 4,376 |
| Net loans and leases to total assets | 59.4046% | 3,919 |
| Net loans and leases to deposits | 66.1712% | 4,325 |
| Net loans and leases to core deposits | 67.2453% | 4,555 |
| Total domestic deposits to total assets | 89.7740% | 758 |
| Equity capital to assets | 9.8994% | 4,160 |
| Core capital (leverage) ratio | 9.8521% | 3,800 |
| Tier 1 risk-based capital ratio | 14.5036% | 3,637 |
| Total risk-based capital ratio | 15.7562% | 3,561 |
| Memoranda: | ||
| Average total assets | $263,631,000 | 2,427 |
| Average earning assets | $247,495,330 | 2,395 |
| Average equity | $26,473,670 | 2,619 |
| Average total loans | $162,593,000 | 2,456 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,290 |
| Cost of funding earning assets | 0.3709% | 3,633 |
| Net interest margin | 3.3515% | 4,016 |
| Noninterest income to average assets | 0.4967% | 3,307 |
| Noninterest expense to average assets | 2.6902% | 3,622 |
| Loan and lease loss provision to assets | 0.2279% | 765 |
| Net operating income to assets | 0.4620% | 4,821 |
| Return on assets (ROA) | 0.4542% | 4,970 |
| Pretax return on assets | 0.7094% | 4,563 |
| Return on Equity (ROE) | 4.4909% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.4909% | 3,329 |
| Net charge-offs to loans | 0.6240% | 390 |
| Credit loss provision to net charge-offs | 58.5938% | 2,019 |
| Earnings coverage of net charge-offs (x) | 2.4414% | 2,753 |
| Efficiency ratio | 73.9149% | 2,833 |
| Assets per employee ($millions) | 4.2505% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 2,200 |
| Loan loss allowance to noncurrent loans | 402.9079% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 4,976 |
| Noncurrent loans to loans | 0.3865% | 4,435 |
| Net loans and leases to total assets | 58.8769% | 3,819 |
| Net loans and leases to deposits | 65.3795% | 4,219 |
| Net loans and leases to core deposits | 66.4201% | 4,482 |
| Total domestic deposits to total assets | 90.0541% | 725 |
| Equity capital to assets | 9.7046% | 4,505 |
| Core capital (leverage) ratio | 9.6935% | 4,023 |
| Tier 1 risk-based capital ratio | 14.0337% | 3,979 |
| Total risk-based capital ratio | 15.2849% | 3,907 |
| Memoranda: | ||
| Average total assets | $263,327,000 | 2,441 |
| Average earning assets | $246,934,500 | 2,407 |
| Average equity | $26,631,500 | 2,616 |
| Average total loans | $164,094,000 | 2,446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 4,424 |
| Cost of funding earning assets | 0.3193% | 4,589 |
| Net interest margin | 3.5020% | 3,781 |
| Noninterest income to average assets | 0.3581% | 4,539 |
| Noninterest expense to average assets | 2.8510% | 3,300 |
| Loan and lease loss provision to assets | 0.0753% | 2,975 |
| Net operating income to assets | 0.4522% | 5,011 |
| Return on assets (ROA) | 0.3276% | 5,516 |
| Pretax return on assets | 0.5079% | 5,229 |
| Return on Equity (ROE) | 3.2402% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.2402% | 3,924 |
| Net charge-offs to loans | 0.1003% | 3,073 |
| Credit loss provision to net charge-offs | 119.0476% | 2,020 |
| Earnings coverage of net charge-offs (x) | 12.2976% | 2,396 |
| Efficiency ratio | 77.0596% | 2,345 |
| Assets per employee ($millions) | 4.1754% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,265 |
| Loan loss allowance to noncurrent loans | 291.4798% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 4,636 |
| Noncurrent loans to loans | 0.5308% | 4,074 |
| Net loans and leases to total assets | 63.9050% | 3,237 |
| Net loans and leases to deposits | 71.5913% | 3,727 |
| Net loans and leases to core deposits | 72.7781% | 4,050 |
| Total domestic deposits to total assets | 89.2635% | 1,090 |
| Equity capital to assets | 10.5364% | 3,432 |
| Core capital (leverage) ratio | 10.3735% | 3,084 |
| Tier 1 risk-based capital ratio | 17.1587% | 2,451 |
| Total risk-based capital ratio | 18.4172% | 2,396 |
| Memoranda: | ||
| Average total assets | $265,593,200 | 2,382 |
| Average earning assets | $248,055,400 | 2,364 |
| Average equity | $26,850,600 | 2,502 |
| Average total loans | $167,447,600 | 2,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,499 |
| Cost of funding earning assets | 0.3146% | 4,735 |
| Net interest margin | 3.4967% | 3,849 |
| Noninterest income to average assets | 0.3492% | 4,649 |
| Noninterest expense to average assets | 2.6803% | 3,898 |
| Loan and lease loss provision to assets | 0.0249% | 3,907 |
| Net operating income to assets | 0.5867% | 4,501 |
| Return on assets (ROA) | 0.4190% | 5,257 |
| Pretax return on assets | 0.6460% | 4,890 |
| Return on Equity (ROE) | 4.1877% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.1877% | 3,668 |
| Net charge-offs to loans | 0.1307% | 2,490 |
| Credit loss provision to net charge-offs | 30.4878% | 3,447 |
| Earnings coverage of net charge-offs (x) | 11.3537% | 2,430 |
| Efficiency ratio | 72.2598% | 3,132 |
| Assets per employee ($millions) | 4.2444% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 2,710 |
| Loan loss allowance to noncurrent loans | 574.7073% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 5,400 |
| Noncurrent loans to loans | 0.2610% | 5,127 |
| Net loans and leases to total assets | 61.2437% | 3,587 |
| Net loans and leases to deposits | 68.5545% | 4,080 |
| Net loans and leases to core deposits | 69.9448% | 4,325 |
| Total domestic deposits to total assets | 89.3358% | 1,056 |
| Equity capital to assets | 10.3317% | 3,753 |
| Core capital (leverage) ratio | 10.3075% | 3,282 |
| Tier 1 risk-based capital ratio | 17.4381% | 2,419 |
| Total risk-based capital ratio | 18.6967% | 2,376 |
| Memoranda: | ||
| Average total assets | $267,272,750 | 2,395 |
| Average earning assets | $249,182,000 | 2,364 |
| Average equity | $26,744,250 | 2,516 |
| Average total loans | $167,301,000 | 2,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 4,565 |
| Cost of funding earning assets | 0.3211% | 4,745 |
| Net interest margin | 3.4671% | 3,910 |
| Noninterest income to average assets | 0.2479% | 5,428 |
| Noninterest expense to average assets | 2.7263% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5031% | 4,798 |
| Return on assets (ROA) | 0.2442% | 5,799 |
| Pretax return on assets | 0.3693% | 5,642 |
| Return on Equity (ROE) | 2.4665% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.4665% | 4,637 |
| Net charge-offs to loans | 0.2646% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5874% | 3,078 |
| Efficiency ratio | 75.0694% | 2,800 |
| Assets per employee ($millions) | 4.1672% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 3,221 |
| Loan loss allowance to noncurrent loans | 602.8278% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 5,479 |
| Noncurrent loans to loans | 0.2363% | 5,285 |
| Net loans and leases to total assets | 61.8142% | 3,433 |
| Net loans and leases to deposits | 69.1100% | 3,925 |
| Net loans and leases to core deposits | 70.6846% | 4,193 |
| Total domestic deposits to total assets | 89.4432% | 1,126 |
| Equity capital to assets | 10.3085% | 3,682 |
| Core capital (leverage) ratio | 10.2064% | 3,327 |
| Tier 1 risk-based capital ratio | 17.1244% | 2,568 |
| Total risk-based capital ratio | 18.3790% | 2,530 |
| Memoranda: | ||
| Average total assets | $268,646,330 | 2,383 |
| Average earning assets | $251,045,670 | 2,346 |
| Average equity | $26,596,330 | 2,513 |
| Average total loans | $168,528,670 | 2,348 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,475 |
| Cost of funding earning assets | 0.3261% | 4,782 |
| Net interest margin | 3.4780% | 3,789 |
| Noninterest income to average assets | 0.5138% | 3,306 |
| Noninterest expense to average assets | 2.8619% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7133% | 3,614 |
| Return on assets (ROA) | 0.1237% | 6,012 |
| Pretax return on assets | 0.1561% | 6,000 |
| Return on Equity (ROE) | 1.2745% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.2745% | 5,108 |
| Net charge-offs to loans | 0.7086% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.0298% | 2,964 |
| Efficiency ratio | 70.3559% | 3,770 |
| Assets per employee ($millions) | 4.0521% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,813 |
| Loan loss allowance to noncurrent loans | 268.1657% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 4,278 |
| Noncurrent loans to loans | 0.5059% | 4,648 |
| Net loans and leases to total assets | 61.6042% | 3,296 |
| Net loans and leases to deposits | 68.5620% | 3,789 |
| Net loans and leases to core deposits | 70.0129% | 4,093 |
| Total domestic deposits to total assets | 89.8519% | 1,152 |
| Equity capital to assets | 9.9690% | 3,878 |
| Core capital (leverage) ratio | 9.8705% | 3,759 |
| Tier 1 risk-based capital ratio | 16.4654% | 2,913 |
| Total risk-based capital ratio | 17.7215% | 2,882 |
| Memoranda: | ||
| Average total assets | $271,703,500 | 2,361 |
| Average earning assets | $253,942,500 | 2,328 |
| Average equity | $26,363,000 | 2,522 |
| Average total loans | $170,479,500 | 2,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 3,784 |
| Cost of funding earning assets | 0.4521% | 4,089 |
| Net interest margin | 3.6358% | 3,305 |
| Noninterest income to average assets | 0.5576% | 3,352 |
| Noninterest expense to average assets | 2.9875% | 3,087 |
| Loan and lease loss provision to assets | 0.2758% | 1,270 |
| Net operating income to assets | 0.4902% | 4,772 |
| Return on assets (ROA) | 0.3751% | 5,358 |
| Pretax return on assets | 0.5356% | 5,089 |
| Return on Equity (ROE) | 4.0499% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.0499% | 3,308 |
| Net charge-offs to loans | 0.6514% | 996 |
| Credit loss provision to net charge-offs | 63.1622% | 3,468 |
| Earnings coverage of net charge-offs (x) | 2.2347% | 4,275 |
| Efficiency ratio | 70.3062% | 3,790 |
| Assets per employee ($millions) | 3.9424% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 3,303 |
| Loan loss allowance to noncurrent loans | 293.1507% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 4,466 |
| Noncurrent loans to loans | 0.5036% | 4,737 |
| Net loans and leases to total assets | 62.0983% | 3,345 |
| Net loans and leases to deposits | 68.7187% | 3,951 |
| Net loans and leases to core deposits | 70.6995% | 4,224 |
| Total domestic deposits to total assets | 90.3659% | 900 |
| Equity capital to assets | 9.4449% | 4,498 |
| Core capital (leverage) ratio | 9.4197% | 4,384 |
| Tier 1 risk-based capital ratio | 15.7426% | 3,226 |
| Total risk-based capital ratio | 17.0002% | 3,185 |
| Memoranda: | ||
| Average total assets | $281,004,600 | 2,265 |
| Average earning assets | $263,215,000 | 2,227 |
| Average equity | $26,025,200 | 2,541 |
| Average total loans | $188,353,400 | 2,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,676 |
| Cost of funding earning assets | 0.4834% | 3,932 |
| Net interest margin | 3.6375% | 3,290 |
| Noninterest income to average assets | 0.5498% | 3,459 |
| Noninterest expense to average assets | 2.8847% | 3,359 |
| Loan and lease loss provision to assets | 0.3165% | 1,070 |
| Net operating income to assets | 0.5204% | 4,715 |
| Return on assets (ROA) | 0.3699% | 5,506 |
| Pretax return on assets | 0.5357% | 5,252 |
| Return on Equity (ROE) | 4.0129% | 5,218 |
| Retained earnings to average equity (ytd only) | 4.0129% | 3,838 |
| Net charge-offs to loans | 0.5966% | 1,046 |
| Credit loss provision to net charge-offs | 77.9977% | 2,896 |
| Earnings coverage of net charge-offs (x) | 2.6380% | 3,954 |
| Efficiency ratio | 67.8729% | 4,122 |
| Assets per employee ($millions) | 3.8271% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,388 |
| Loan loss allowance to noncurrent loans | 164.9767% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 3,988 |
| Noncurrent loans to loans | 0.9192% | 3,979 |
| Net loans and leases to total assets | 66.7190% | 2,517 |
| Net loans and leases to deposits | 74.0592% | 3,225 |
| Net loans and leases to core deposits | 76.3617% | 3,582 |
| Total domestic deposits to total assets | 90.0888% | 944 |
| Equity capital to assets | 9.4807% | 4,577 |
| Core capital (leverage) ratio | 9.3709% | 4,576 |
| Tier 1 risk-based capital ratio | 14.4063% | 4,143 |
| Total risk-based capital ratio | 15.6602% | 4,099 |
| Memoranda: | ||
| Average total assets | $282,263,500 | 2,267 |
| Average earning assets | $264,242,500 | 2,230 |
| Average equity | $26,015,250 | 2,580 |
| Average total loans | $191,956,750 | 2,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,714 |
| Cost of funding earning assets | 0.5090% | 3,812 |
| Net interest margin | 3.5976% | 3,365 |
| Noninterest income to average assets | 0.5743% | 3,352 |
| Noninterest expense to average assets | 2.8618% | 3,467 |
| Loan and lease loss provision to assets | 0.2496% | 1,493 |
| Net operating income to assets | 0.5733% | 4,427 |
| Return on assets (ROA) | 0.5336% | 4,817 |
| Pretax return on assets | 0.7789% | 4,392 |
| Return on Equity (ROE) | 5.8432% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.8432% | 2,524 |
| Net charge-offs to loans | 0.4687% | 1,406 |
| Credit loss provision to net charge-offs | 78.1938% | 2,664 |
| Earnings coverage of net charge-offs (x) | 3.4031% | 3,396 |
| Efficiency ratio | 67.4501% | 4,272 |
| Assets per employee ($millions) | 3.8964% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,443 |
| Loan loss allowance to noncurrent loans | 241.0066% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 4,586 |
| Noncurrent loans to loans | 0.6352% | 4,670 |
| Net loans and leases to total assets | 66.9768% | 2,414 |
| Net loans and leases to deposits | 73.9088% | 3,169 |
| Net loans and leases to core deposits | 76.1502% | 3,527 |
| Total domestic deposits to total assets | 90.6209% | 692 |
| Equity capital to assets | 9.1923% | 5,002 |
| Core capital (leverage) ratio | 9.1574% | 4,748 |
| Tier 1 risk-based capital ratio | 13.7248% | 4,627 |
| Total risk-based capital ratio | 14.9784% | 4,589 |
| Memoranda: | ||
| Average total assets | $284,502,000 | 2,260 |
| Average earning assets | $266,791,330 | 2,215 |
| Average equity | $25,979,000 | 2,588 |
| Average total loans | $193,717,670 | 2,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,769 |
| Cost of funding earning assets | 0.5431% | 3,642 |
| Net interest margin | 3.5456% | 3,500 |
| Noninterest income to average assets | 0.7065% | 2,558 |
| Noninterest expense to average assets | 2.8721% | 3,453 |
| Loan and lease loss provision to assets | 0.2094% | 1,772 |
| Net operating income to assets | 0.6814% | 3,777 |
| Return on assets (ROA) | 0.6814% | 3,929 |
| Pretax return on assets | 0.9522% | 3,556 |
| Return on Equity (ROE) | 7.4862% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.4862% | 1,947 |
| Net charge-offs to loans | 0.5821% | 1,048 |
| Credit loss provision to net charge-offs | 52.8169% | 2,560 |
| Earnings coverage of net charge-offs (x) | 2.9296% | 2,896 |
| Efficiency ratio | 66.3205% | 4,610 |
| Assets per employee ($millions) | 4.2219% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,852 |
| Loan loss allowance to noncurrent loans | 178.5891% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 4,388 |
| Noncurrent loans to loans | 0.8369% | 4,449 |
| Net loans and leases to total assets | 66.2552% | 2,323 |
| Net loans and leases to deposits | 73.1881% | 3,022 |
| Net loans and leases to core deposits | 75.4442% | 3,394 |
| Total domestic deposits to total assets | 90.5273% | 756 |
| Equity capital to assets | 9.1530% | 5,308 |
| Core capital (leverage) ratio | 8.9995% | 4,894 |
| Tier 1 risk-based capital ratio | 13.3185% | 4,998 |
| Total risk-based capital ratio | 14.5717% | 4,948 |
| Memoranda: | ||
| Average total assets | $286,483,500 | 2,272 |
| Average earning assets | $268,842,000 | 2,223 |
| Average equity | $26,074,500 | 2,611 |
| Average total loans | $195,168,000 | 2,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 3,840 |
| Cost of funding earning assets | 0.7097% | 3,416 |
| Net interest margin | 3.6827% | 3,728 |
| Noninterest income to average assets | 0.4893% | 3,972 |
| Noninterest expense to average assets | 2.7820% | 4,097 |
| Loan and lease loss provision to assets | 0.4584% | 1,371 |
| Net operating income to assets | 0.4906% | 4,718 |
| Return on assets (ROA) | 0.4868% | 4,987 |
| Pretax return on assets | 0.6810% | 4,731 |
| Return on Equity (ROE) | 4.3991% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.3991% | 3,135 |
| Net charge-offs to loans | 0.3519% | 2,874 |
| Credit loss provision to net charge-offs | 192.0732% | 1,364 |
| Earnings coverage of net charge-offs (x) | 4.7973% | 3,248 |
| Efficiency ratio | 66.4443% | 4,424 |
| Assets per employee ($millions) | 4.2041% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,610 |
| Loan loss allowance to noncurrent loans | 241.6000% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 4,623 |
| Noncurrent loans to loans | 0.6337% | 4,938 |
| Net loans and leases to total assets | 67.9376% | 2,191 |
| Net loans and leases to deposits | 74.8734% | 2,983 |
| Net loans and leases to core deposits | 77.2692% | 3,364 |
| Total domestic deposits to total assets | 90.7367% | 598 |
| Equity capital to assets | 9.0500% | 5,467 |
| Core capital (leverage) ratio | 8.9065% | 5,035 |
| Tier 1 risk-based capital ratio | 12.5811% | 5,415 |
| Total risk-based capital ratio | 13.8344% | 5,361 |
| Memoranda: | ||
| Average total assets | $274,874,400 | 2,305 |
| Average earning assets | $256,580,400 | 2,264 |
| Average equity | $30,415,400 | 2,224 |
| Average total loans | $186,421,400 | 2,128 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 4,137 |
| Cost of funding earning assets | 0.7227% | 3,572 |
| Net interest margin | 3.6567% | 3,976 |
| Noninterest income to average assets | 0.4694% | 4,141 |
| Noninterest expense to average assets | 2.7747% | 4,075 |
| Loan and lease loss provision to assets | 0.4630% | 1,339 |
| Net operating income to assets | 0.4909% | 4,877 |
| Return on assets (ROA) | 0.4909% | 5,150 |
| Pretax return on assets | 0.6428% | 5,043 |
| Return on Equity (ROE) | 4.2343% | 5,179 |
| Retained earnings to average equity (ytd only) | 4.2343% | 3,914 |
| Net charge-offs to loans | 0.2997% | 2,943 |
| Credit loss provision to net charge-offs | 228.8136% | 1,207 |
| Earnings coverage of net charge-offs (x) | 5.4649% | 3,014 |
| Efficiency ratio | 67.2980% | 4,211 |
| Assets per employee ($millions) | 3.8686% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 3,797 |
| Loan loss allowance to noncurrent loans | 161.8891% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 4,374 |
| Noncurrent loans to loans | 0.9479% | 4,543 |
| Net loans and leases to total assets | 67.9131% | 2,312 |
| Net loans and leases to deposits | 77.6652% | 2,709 |
| Net loans and leases to core deposits | 79.9705% | 3,208 |
| Total domestic deposits to total assets | 87.4433% | 2,385 |
| Equity capital to assets | 11.4897% | 2,752 |
| Core capital (leverage) ratio | 11.2772% | 2,157 |
| Tier 1 risk-based capital ratio | 15.8247% | 3,362 |
| Total risk-based capital ratio | 17.0780% | 3,327 |
| Memoranda: | ||
| Average total assets | $272,123,000 | 2,347 |
| Average earning assets | $253,845,000 | 2,309 |
| Average equity | $31,551,250 | 2,184 |
| Average total loans | $183,716,750 | 2,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 4,298 |
| Cost of funding earning assets | 0.7327% | 3,740 |
| Net interest margin | 3.6389% | 4,087 |
| Noninterest income to average assets | 0.4534% | 4,267 |
| Noninterest expense to average assets | 2.7735% | 4,121 |
| Loan and lease loss provision to assets | 0.4667% | 1,367 |
| Net operating income to assets | 0.4711% | 4,944 |
| Return on assets (ROA) | 0.4711% | 5,194 |
| Pretax return on assets | 0.6089% | 5,108 |
| Return on Equity (ROE) | 4.0509% | 5,242 |
| Retained earnings to average equity (ytd only) | 4.0509% | 3,911 |
| Net charge-offs to loans | 0.3759% | 2,511 |
| Credit loss provision to net charge-offs | 185.2941% | 1,528 |
| Earnings coverage of net charge-offs (x) | 4.2706% | 3,128 |
| Efficiency ratio | 68.3603% | 4,060 |
| Assets per employee ($millions) | 4.0155% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,284 |
| Loan loss allowance to noncurrent loans | 236.5385% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 4,983 |
| Noncurrent loans to loans | 0.6092% | 5,297 |
| Net loans and leases to total assets | 67.7844% | 2,316 |
| Net loans and leases to deposits | 76.8756% | 2,857 |
| Net loans and leases to core deposits | 78.6805% | 3,419 |
| Total domestic deposits to total assets | 88.1741% | 2,031 |
| Equity capital to assets | 11.6167% | 2,473 |
| Core capital (leverage) ratio | 11.1783% | 2,142 |
| Tier 1 risk-based capital ratio | 15.7012% | 3,332 |
| Total risk-based capital ratio | 16.9530% | 3,294 |
| Memoranda: | ||
| Average total assets | $269,985,000 | 2,375 |
| Average earning assets | $251,947,330 | 2,339 |
| Average equity | $31,400,670 | 2,178 |
| Average total loans | $180,918,670 | 2,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 4,690 |
| Cost of funding earning assets | 0.7468% | 3,888 |
| Net interest margin | 3.5647% | 4,422 |
| Noninterest income to average assets | 0.4574% | 4,248 |
| Noninterest expense to average assets | 2.6731% | 4,530 |
| Loan and lease loss provision to assets | 0.4694% | 1,306 |
| Net operating income to assets | 0.5141% | 4,761 |
| Return on assets (ROA) | 0.5141% | 4,973 |
| Pretax return on assets | 0.6437% | 4,955 |
| Return on Equity (ROE) | 4.4173% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.4173% | 3,947 |
| Net charge-offs to loans | 0.3020% | 2,453 |
| Credit loss provision to net charge-offs | 235.0746% | 1,202 |
| Earnings coverage of net charge-offs (x) | 5.5746% | 2,334 |
| Efficiency ratio | 69.1067% | 3,963 |
| Assets per employee ($millions) | 4.0705% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,402 |
| Loan loss allowance to noncurrent loans | 225.8261% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,071 |
| Noncurrent loans to loans | 0.6394% | 5,361 |
| Net loans and leases to total assets | 65.9808% | 2,468 |
| Net loans and leases to deposits | 75.2662% | 2,931 |
| Net loans and leases to core deposits | 77.1515% | 3,447 |
| Total domestic deposits to total assets | 87.6632% | 2,546 |
| Equity capital to assets | 11.6970% | 2,264 |
| Core capital (leverage) ratio | 11.7817% | 1,719 |
| Tier 1 risk-based capital ratio | 16.4815% | 2,916 |
| Total risk-based capital ratio | 17.7329% | 2,887 |
| Memoranda: | ||
| Average total assets | $268,450,500 | 2,400 |
| Average earning assets | $250,678,000 | 2,357 |
| Average equity | $31,241,000 | 2,186 |
| Average total loans | $177,481,000 | 2,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 5,791 |
| Cost of funding earning assets | 0.9067% | 4,072 |
| Net interest margin | 3.3816% | 5,540 |
| Noninterest income to average assets | 0.4442% | 4,270 |
| Noninterest expense to average assets | 2.8500% | 4,166 |
| Loan and lease loss provision to assets | 0.3474% | 2,921 |
| Net operating income to assets | 0.3256% | 5,167 |
| Return on assets (ROA) | 0.4412% | 4,894 |
| Pretax return on assets | 0.5600% | 4,806 |
| Return on Equity (ROE) | 3.7619% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.7619% | 3,542 |
| Net charge-offs to loans | 0.2060% | 4,512 |
| Credit loss provision to net charge-offs | 275.2294% | 866 |
| Earnings coverage of net charge-offs (x) | 6.0306% | 2,615 |
| Efficiency ratio | 77.2980% | 2,696 |
| Assets per employee ($millions) | 3.8877% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,558 |
| Loan loss allowance to noncurrent loans | 196.4228% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 5,067 |
| Noncurrent loans to loans | 0.7024% | 5,292 |
| Net loans and leases to total assets | 64.3769% | 3,099 |
| Net loans and leases to deposits | 75.1177% | 3,321 |
| Net loans and leases to core deposits | 77.0223% | 3,824 |
| Total domestic deposits to total assets | 85.7014% | 3,482 |
| Equity capital to assets | 11.5780% | 2,445 |
| Core capital (leverage) ratio | 11.7003% | 1,763 |
| Tier 1 risk-based capital ratio | 16.6315% | 2,766 |
| Total risk-based capital ratio | 17.8802% | 2,729 |
| Memoranda: | ||
| Average total assets | $259,091,400 | 2,434 |
| Average earning assets | $242,634,200 | 2,375 |
| Average equity | $30,383,800 | 2,165 |
| Average total loans | $158,749,400 | 2,516 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 6,042 |
| Cost of funding earning assets | 0.9355% | 4,155 |
| Net interest margin | 3.3305% | 5,769 |
| Noninterest income to average assets | 0.4304% | 4,435 |
| Noninterest expense to average assets | 2.5222% | 5,392 |
| Loan and lease loss provision to assets | 0.3894% | 2,521 |
| Net operating income to assets | 0.4887% | 4,588 |
| Return on assets (ROA) | 0.5400% | 4,549 |
| Pretax return on assets | 0.7139% | 4,423 |
| Return on Equity (ROE) | 4.5892% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.5892% | 3,454 |
| Net charge-offs to loans | -0.0017% | 6,666 |
| Credit loss provision to net charge-offs | -37,500.0000% | 6,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2252% | 4,088 |
| Assets per employee ($millions) | 3.7930% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,733 |
| Loan loss allowance to noncurrent loans | 210.1215% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 5,222 |
| Noncurrent loans to loans | 0.7546% | 5,366 |
| Net loans and leases to total assets | 60.6662% | 4,014 |
| Net loans and leases to deposits | 72.8636% | 3,825 |
| Net loans and leases to core deposits | 74.5560% | 4,372 |
| Total domestic deposits to total assets | 83.2600% | 4,581 |
| Equity capital to assets | 11.7394% | 2,459 |
| Core capital (leverage) ratio | 11.7894% | 1,834 |
| Tier 1 risk-based capital ratio | 17.5531% | 2,423 |
| Total risk-based capital ratio | 18.8057% | 2,397 |
| Memoranda: | ||
| Average total assets | $256,801,750 | 2,464 |
| Average earning assets | $241,158,000 | 2,401 |
| Average equity | $30,215,250 | 2,184 |
| Average total loans | $154,660,000 | 2,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 6,087 |
| Cost of funding earning assets | 0.9821% | 4,071 |
| Net interest margin | 3.2950% | 5,874 |
| Noninterest income to average assets | 0.4104% | 4,591 |
| Noninterest expense to average assets | 2.5223% | 5,452 |
| Loan and lease loss provision to assets | 0.4726% | 2,099 |
| Net operating income to assets | 0.4254% | 4,835 |
| Return on assets (ROA) | 0.4254% | 4,982 |
| Pretax return on assets | 0.5104% | 5,031 |
| Return on Equity (ROE) | 3.6124% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.6124% | 3,936 |
| Net charge-offs to loans | 0.0673% | 4,967 |
| Credit loss provision to net charge-offs | 1,176.4706% | 291 |
| Earnings coverage of net charge-offs (x) | 24.4706% | 1,061 |
| Efficiency ratio | 70.2472% | 4,062 |
| Assets per employee ($millions) | 3.8237% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,932 |
| Loan loss allowance to noncurrent loans | 135.2176% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 4,827 |
| Noncurrent loans to loans | 1.1404% | 4,751 |
| Net loans and leases to total assets | 59.6163% | 4,345 |
| Net loans and leases to deposits | 68.3374% | 4,655 |
| Net loans and leases to core deposits | 70.1920% | 5,050 |
| Total domestic deposits to total assets | 87.2381% | 2,603 |
| Equity capital to assets | 11.8891% | 2,176 |
| Core capital (leverage) ratio | 11.5894% | 1,848 |
| Tier 1 risk-based capital ratio | 18.3774% | 2,053 |
| Total risk-based capital ratio | 19.6302% | 1,998 |
| Memoranda: | ||
| Average total assets | $253,900,000 | 2,506 |
| Average earning assets | $238,479,670 | 2,438 |
| Average equity | $29,897,330 | 2,190 |
| Average total loans | $151,657,330 | 2,664 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 6,225 |
| Cost of funding earning assets | 1.0377% | 3,938 |
| Net interest margin | 3.1855% | 6,112 |
| Noninterest income to average assets | 0.4257% | 4,491 |
| Noninterest expense to average assets | 2.6065% | 5,200 |
| Loan and lease loss provision to assets | 0.4748% | 1,851 |
| Net operating income to assets | 0.3355% | 5,247 |
| Return on assets (ROA) | 0.3355% | 5,325 |
| Pretax return on assets | 0.3323% | 5,554 |
| Return on Equity (ROE) | 2.8632% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.8632% | 4,446 |
| Net charge-offs to loans | 0.0747% | 4,192 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 18.2143% | 1,192 |
| Efficiency ratio | 74.5943% | 3,408 |
| Assets per employee ($millions) | 4.0262% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 4,709 |
| Loan loss allowance to noncurrent loans | 134.1154% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 5,016 |
| Noncurrent loans to loans | 1.0369% | 4,986 |
| Net loans and leases to total assets | 58.2042% | 4,610 |
| Net loans and leases to deposits | 66.7688% | 4,868 |
| Net loans and leases to core deposits | 69.0134% | 5,165 |
| Total domestic deposits to total assets | 87.1728% | 2,847 |
| Equity capital to assets | 11.5454% | 2,228 |
| Core capital (leverage) ratio | 11.7227% | 1,722 |
| Tier 1 risk-based capital ratio | 17.9831% | 2,118 |
| Total risk-based capital ratio | 19.2332% | 2,088 |
| Memoranda: | ||
| Average total assets | $252,757,500 | 2,543 |
| Average earning assets | $237,072,000 | 2,473 |
| Average equity | $29,617,000 | 2,199 |
| Average total loans | $149,926,000 | 2,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 6,148 |
| Cost of funding earning assets | 1.2606% | 4,144 |
| Net interest margin | 3.3265% | 5,884 |
| Noninterest income to average assets | 0.5098% | 4,098 |
| Noninterest expense to average assets | 2.6548% | 5,195 |
| Loan and lease loss provision to assets | 0.2497% | 4,799 |
| Net operating income to assets | 0.6293% | 3,538 |
| Return on assets (ROA) | 0.6293% | 3,699 |
| Pretax return on assets | 0.7233% | 3,892 |
| Return on Equity (ROE) | 5.2200% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.2200% | 2,298 |
| Net charge-offs to loans | 0.5941% | 3,250 |
| Credit loss provision to net charge-offs | 70.9220% | 5,837 |
| Earnings coverage of net charge-offs (x) | 2.7636% | 3,692 |
| Efficiency ratio | 71.4351% | 3,903 |
| Assets per employee ($millions) | 4.1306% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,284 |
| Loan loss allowance to noncurrent loans | 190.7867% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,552 |
| Noncurrent loans to loans | 0.6538% | 5,749 |
| Net loans and leases to total assets | 58.8752% | 4,878 |
| Net loans and leases to deposits | 67.0213% | 5,252 |
| Net loans and leases to core deposits | 69.2635% | 5,514 |
| Total domestic deposits to total assets | 87.8456% | 2,341 |
| Equity capital to assets | 11.8966% | 1,973 |
| Core capital (leverage) ratio | 11.8801% | 1,630 |
| Tier 1 risk-based capital ratio | 18.3683% | 1,888 |
| Total risk-based capital ratio | 19.5222% | 1,874 |
| Memoranda: | ||
| Average total assets | $240,283,800 | 2,631 |
| Average earning assets | $225,218,800 | 2,566 |
| Average equity | $28,965,600 | 2,244 |
| Average total loans | $142,389,600 | 2,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 6,200 |
| Cost of funding earning assets | 1.3010% | 4,211 |
| Net interest margin | 3.3464% | 5,859 |
| Noninterest income to average assets | 0.5302% | 3,940 |
| Noninterest expense to average assets | 2.5447% | 5,543 |
| Loan and lease loss provision to assets | 0.2517% | 4,575 |
| Net operating income to assets | 0.7181% | 3,330 |
| Return on assets (ROA) | 0.7181% | 3,486 |
| Pretax return on assets | 0.8669% | 3,678 |
| Return on Equity (ROE) | 5.9369% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.9369% | 2,395 |
| Net charge-offs to loans | 0.5634% | 3,064 |
| Credit loss provision to net charge-offs | 75.5034% | 5,268 |
| Earnings coverage of net charge-offs (x) | 3.3557% | 3,481 |
| Efficiency ratio | 67.7252% | 4,523 |
| Assets per employee ($millions) | 4.1391% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,675 |
| Loan loss allowance to noncurrent loans | 197.8615% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,532 |
| Noncurrent loans to loans | 0.6867% | 5,831 |
| Net loans and leases to total assets | 56.8035% | 5,441 |
| Net loans and leases to deposits | 65.8347% | 5,686 |
| Net loans and leases to core deposits | 67.8632% | 5,959 |
| Total domestic deposits to total assets | 86.2819% | 2,931 |
| Equity capital to assets | 11.9101% | 2,217 |
| Core capital (leverage) ratio | 11.8979% | 1,718 |
| Tier 1 risk-based capital ratio | 18.7400% | 1,807 |
| Total risk-based capital ratio | 19.9899% | 1,780 |
| Memoranda: | ||
| Average total assets | $238,395,750 | 2,687 |
| Average earning assets | $223,202,750 | 2,632 |
| Average equity | $28,836,000 | 2,285 |
| Average total loans | $141,047,750 | 2,962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 6,185 |
| Cost of funding earning assets | 1.3356% | 4,292 |
| Net interest margin | 3.3512% | 5,830 |
| Noninterest income to average assets | 0.5317% | 3,859 |
| Noninterest expense to average assets | 2.5396% | 5,570 |
| Loan and lease loss provision to assets | 0.2552% | 4,381 |
| Net operating income to assets | 0.7359% | 3,257 |
| Return on assets (ROA) | 0.7359% | 3,404 |
| Pretax return on assets | 0.8729% | 3,608 |
| Return on Equity (ROE) | 6.0513% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,309 |
| Net charge-offs to loans | 0.7650% | 2,327 |
| Credit loss provision to net charge-offs | 55.8659% | 5,300 |
| Earnings coverage of net charge-offs (x) | 2.4693% | 3,762 |
| Efficiency ratio | 67.4785% | 4,678 |
| Assets per employee ($millions) | 4.0570% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,896 |
| Loan loss allowance to noncurrent loans | 116.4780% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9484% | 5,237 |
| Noncurrent loans to loans | 1.1195% | 5,085 |
| Net loans and leases to total assets | 58.5634% | 5,322 |
| Net loans and leases to deposits | 66.9844% | 5,684 |
| Net loans and leases to core deposits | 68.8610% | 5,983 |
| Total domestic deposits to total assets | 87.4283% | 2,304 |
| Equity capital to assets | 12.1447% | 2,017 |
| Core capital (leverage) ratio | 12.1007% | 1,589 |
| Tier 1 risk-based capital ratio | 18.4511% | 1,845 |
| Total risk-based capital ratio | 19.6453% | 1,829 |
| Memoranda: | ||
| Average total assets | $235,079,670 | 2,751 |
| Average earning assets | $219,979,000 | 2,686 |
| Average equity | $28,588,670 | 2,297 |
| Average total loans | $140,393,330 | 3,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 6,132 |
| Cost of funding earning assets | 1.3972% | 4,202 |
| Net interest margin | 3.3367% | 5,833 |
| Noninterest income to average assets | 0.3812% | 5,087 |
| Noninterest expense to average assets | 2.6668% | 5,074 |
| Loan and lease loss provision to assets | 0.2576% | 3,978 |
| Net operating income to assets | 0.5684% | 4,037 |
| Return on assets (ROA) | 0.5684% | 4,183 |
| Pretax return on assets | 0.5735% | 4,704 |
| Return on Equity (ROE) | 4.6705% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.6705% | 3,339 |
| Net charge-offs to loans | 0.6448% | 2,214 |
| Credit loss provision to net charge-offs | 66.6667% | 4,165 |
| Earnings coverage of net charge-offs (x) | 2.1511% | 3,460 |
| Efficiency ratio | 74.3741% | 3,517 |
| Assets per employee ($millions) | 3.8820% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 4,145 |
| Loan loss allowance to noncurrent loans | 131.2052% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 5,288 |
| Noncurrent loans to loans | 1.1099% | 5,137 |
| Net loans and leases to total assets | 58.5109% | 5,343 |
| Net loans and leases to deposits | 66.9396% | 5,717 |
| Net loans and leases to core deposits | 68.4451% | 6,061 |
| Total domestic deposits to total assets | 87.4085% | 2,407 |
| Equity capital to assets | 12.2373% | 1,908 |
| Core capital (leverage) ratio | 12.0984% | 1,598 |
| Tier 1 risk-based capital ratio | 18.8461% | 1,755 |
| Total risk-based capital ratio | 20.0941% | 1,720 |
| Memoranda: | ||
| Average total assets | $232,938,000 | 2,839 |
| Average earning assets | $217,577,000 | 2,770 |
| Average equity | $28,348,000 | 2,343 |
| Average total loans | $139,574,500 | 3,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 5,386 |
| Cost of funding earning assets | 1.6379% | 4,857 |
| Net interest margin | 3.6176% | 4,485 |
| Noninterest income to average assets | 0.4809% | 4,554 |
| Noninterest expense to average assets | 2.9769% | 4,244 |
| Loan and lease loss provision to assets | 0.3671% | 4,594 |
| Net operating income to assets | 0.4881% | 3,779 |
| Return on assets (ROA) | 0.6356% | 3,245 |
| Pretax return on assets | 0.7053% | 3,552 |
| Return on Equity (ROE) | 4.9931% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.9931% | 1,819 |
| Net charge-offs to loans | 0.5906% | 3,447 |
| Credit loss provision to net charge-offs | 101.3942% | 5,445 |
| Earnings coverage of net charge-offs (x) | 2.5095% | 3,869 |
| Efficiency ratio | 75.3041% | 3,649 |
| Assets per employee ($millions) | 4.3140% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,814 |
| Loan loss allowance to noncurrent loans | 97.3439% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 4,720 |
| Noncurrent loans to loans | 1.5236% | 4,362 |
| Net loans and leases to total assets | 59.5659% | 5,406 |
| Net loans and leases to deposits | 68.9965% | 5,726 |
| Net loans and leases to core deposits | 77.4814% | 6,302 |
| Total domestic deposits to total assets | 86.3318% | 2,852 |
| Equity capital to assets | 12.1022% | 1,978 |
| Core capital (leverage) ratio | 11.9293% | 1,695 |
| Tier 1 risk-based capital ratio | 18.2090% | 1,841 |
| Total risk-based capital ratio | 19.4605% | 1,791 |
| Memoranda: | ||
| Average total assets | $217,907,600 | 2,974 |
| Average earning assets | $205,078,000 | 2,904 |
| Average equity | $27,738,400 | 2,397 |
| Average total loans | $133,587,800 | 3,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 6,306 |
| Cost of funding earning assets | 1.6457% | 5,182 |
| Net interest margin | 3.4449% | 5,088 |
| Noninterest income to average assets | 0.4719% | 4,737 |
| Noninterest expense to average assets | 2.8615% | 4,607 |
| Loan and lease loss provision to assets | 0.4047% | 3,893 |
| Net operating income to assets | 0.4330% | 4,265 |
| Return on assets (ROA) | 0.6525% | 3,459 |
| Pretax return on assets | 0.6936% | 3,885 |
| Return on Equity (ROE) | 5.0581% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,451 |
| Net charge-offs to loans | 0.7133% | 2,565 |
| Credit loss provision to net charge-offs | 92.1986% | 5,423 |
| Earnings coverage of net charge-offs (x) | 1.9702% | 4,339 |
| Efficiency ratio | 75.5723% | 3,576 |
| Assets per employee ($millions) | 4.3620% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 3,719 |
| Loan loss allowance to noncurrent loans | 72.3016% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 4,105 |
| Noncurrent loans to loans | 1.9963% | 3,650 |
| Net loans and leases to total assets | 60.8997% | 5,442 |
| Net loans and leases to deposits | 70.2993% | 5,877 |
| Net loans and leases to core deposits | 78.6662% | 6,441 |
| Total domestic deposits to total assets | 86.6292% | 2,363 |
| Equity capital to assets | 12.2955% | 2,066 |
| Core capital (leverage) ratio | 12.2359% | 1,691 |
| Tier 1 risk-based capital ratio | 18.7992% | 1,800 |
| Total risk-based capital ratio | 20.0408% | 1,755 |
| Memoranda: | ||
| Average total assets | $214,145,250 | 3,036 |
| Average earning assets | $202,304,500 | 2,956 |
| Average equity | $27,624,750 | 2,423 |
| Average total loans | $131,771,750 | 3,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 6,831 |
| Cost of funding earning assets | 1.6516% | 5,505 |
| Net interest margin | 3.3304% | 5,436 |
| Noninterest income to average assets | 0.5011% | 4,434 |
| Noninterest expense to average assets | 2.6486% | 5,564 |
| Loan and lease loss provision to assets | 0.4764% | 3,141 |
| Net operating income to assets | 0.4821% | 4,164 |
| Return on assets (ROA) | 0.8108% | 2,909 |
| Pretax return on assets | 0.8841% | 3,392 |
| Return on Equity (ROE) | 6.1808% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.1808% | 1,936 |
| Net charge-offs to loans | 0.9459% | 1,834 |
| Credit loss provision to net charge-offs | 81.9672% | 5,141 |
| Earnings coverage of net charge-offs (x) | 1.7262% | 4,261 |
| Efficiency ratio | 72.5280% | 4,300 |
| Assets per employee ($millions) | 4.3210% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,417 |
| Loan loss allowance to noncurrent loans | 64.6305% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 3,686 |
| Noncurrent loans to loans | 2.2583% | 3,176 |
| Net loans and leases to total assets | 60.2923% | 5,630 |
| Net loans and leases to deposits | 69.2822% | 6,068 |
| Net loans and leases to core deposits | 77.1309% | 6,599 |
| Total domestic deposits to total assets | 87.0243% | 2,242 |
| Equity capital to assets | 12.5533% | 1,897 |
| Core capital (leverage) ratio | 12.3344% | 1,679 |
| Tier 1 risk-based capital ratio | 19.4137% | 1,698 |
| Total risk-based capital ratio | 20.6656% | 1,657 |
| Memoranda: | ||
| Average total assets | $209,919,670 | 3,104 |
| Average earning assets | $198,593,000 | 3,021 |
| Average equity | $27,536,670 | 2,434 |
| Average total loans | $128,976,670 | 3,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 7,132 |
| Cost of funding earning assets | 1.6307% | 5,901 |
| Net interest margin | 3.2861% | 5,541 |
| Noninterest income to average assets | 0.4749% | 4,551 |
| Noninterest expense to average assets | 2.6186% | 5,375 |
| Loan and lease loss provision to assets | 0.2931% | 3,606 |
| Net operating income to assets | 0.5643% | 4,165 |
| Return on assets (ROA) | 1.1725% | 1,846 |
| Pretax return on assets | 1.4187% | 1,914 |
| Return on Equity (ROE) | 8.7358% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.7358% | 1,555 |
| Net charge-offs to loans | 0.6601% | 1,862 |
| Credit loss provision to net charge-offs | 72.1154% | 4,315 |
| Earnings coverage of net charge-offs (x) | 2.4087% | 3,529 |
| Efficiency ratio | 72.7865% | 4,042 |
| Assets per employee ($millions) | 4.6690% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 2,419 |
| Loan loss allowance to noncurrent loans | 48.7334% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 2.0177% | 2,875 |
| Noncurrent loans to loans | 3.3371% | 1,921 |
| Net loans and leases to total assets | 59.4787% | 5,738 |
| Net loans and leases to deposits | 69.0608% | 6,068 |
| Net loans and leases to core deposits | 76.6312% | 6,635 |
| Total domestic deposits to total assets | 86.1251% | 2,647 |
| Equity capital to assets | 13.4067% | 1,569 |
| Core capital (leverage) ratio | 13.5587% | 1,308 |
| Tier 1 risk-based capital ratio | 21.1464% | 1,429 |
| Total risk-based capital ratio | 22.3997% | 1,396 |
| Memoranda: | ||
| Average total assets | $204,693,000 | 3,187 |
| Average earning assets | $194,516,000 | 3,089 |
| Average equity | $27,473,000 | 2,458 |
| Average total loans | $126,047,000 | 3,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 6,521 |
| Cost of funding earning assets | 2.2413% | 5,413 |
| Net interest margin | 3.5334% | 5,177 |
| Noninterest income to average assets | 0.4832% | 4,773 |
| Noninterest expense to average assets | 2.5588% | 5,796 |
| Loan and lease loss provision to assets | 0.3408% | 3,663 |
| Net operating income to assets | 0.6940% | 3,919 |
| Return on assets (ROA) | 0.7634% | 3,446 |
| Pretax return on assets | 1.0356% | 3,255 |
| Return on Equity (ROE) | 5.8364% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.8364% | 1,599 |
| Net charge-offs to loans | 0.0972% | 5,356 |
| Credit loss provision to net charge-offs | 561.9835% | 782 |
| Earnings coverage of net charge-offs (x) | 21.1488% | 1,543 |
| Efficiency ratio | 66.6101% | 4,999 |
| Assets per employee ($millions) | 4.6353% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,138 |
| Loan loss allowance to noncurrent loans | 189.5985% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 5,561 |
| Noncurrent loans to loans | 0.8570% | 4,906 |
| Net loans and leases to total assets | 61.6844% | 5,668 |
| Net loans and leases to deposits | 74.0920% | 5,834 |
| Net loans and leases to core deposits | 81.0653% | 6,532 |
| Total domestic deposits to total assets | 83.2538% | 3,669 |
| Equity capital to assets | 13.4366% | 1,617 |
| Core capital (leverage) ratio | 13.3337% | 1,436 |
| Tier 1 risk-based capital ratio | 20.5326% | 1,530 |
| Total risk-based capital ratio | 21.7867% | 1,492 |
| Memoranda: | ||
| Average total assets | $199,506,800 | 3,146 |
| Average earning assets | $189,621,000 | 3,048 |
| Average equity | $26,095,000 | 2,550 |
| Average total loans | $124,525,200 | 3,364 |