Home > Fifth District Savings Bank > Performance and Condition Ratios
Fifth District 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 | 3.6946% | 4,277 |
| Cost of funding earning assets | 1.4348% | 2,130 |
| Net interest margin | 2.2598% | 4,279 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.1587% | 3,227 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.1673% | 4,197 |
| Return on assets (ROA) | 0.1673% | 4,219 |
| Pretax return on assets | 0.1984% | 4,200 |
| Return on Equity (ROE) | 1.0400% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.0417% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.3124% | 293 |
| Assets per employee ($millions) | 7.2817% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 3,971 |
| Loan loss allowance to noncurrent loans | 265.4578% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 2,024 |
| Noncurrent loans to loans | 0.2999% | 2,107 |
| Net loans and leases to total assets | 75.9200% | 1,127 |
| Net loans and leases to deposits | 92.5217% | 1,050 |
| Net loans and leases to core deposits | 102.6687% | 1,296 |
| Total domestic deposits to total assets | 82.0600% | 3,118 |
| Equity capital to assets | 16.1880% | 449 |
| Core capital (leverage) ratio | 17.4096% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3322% | 185 |
| Memoranda: | ||
| Average total assets | $476,253,000 | 1,779 |
| Average earning assets | $443,542,800 | 1,767 |
| Average equity | $76,508,800 | 1,166 |
| Average total loans | $361,970,800 | 1,573 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,252 |
| Cost of funding earning assets | 1.3163% | 2,109 |
| Net interest margin | 2.3472% | 4,275 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.1783% | 3,137 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.1734% | 4,263 |
| Return on assets (ROA) | 0.1734% | 4,276 |
| Pretax return on assets | 0.2194% | 4,236 |
| Return on Equity (ROE) | 1.0800% | 4,308 |
| Retained earnings to average equity (ytd only) | 1.0815% | 3,936 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.9242% | 321 |
| Assets per employee ($millions) | 7.0809% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 3,842 |
| Loan loss allowance to noncurrent loans | 1,130.1075% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,158 |
| Noncurrent loans to loans | 0.0762% | 3,209 |
| Net loans and leases to total assets | 76.5000% | 1,066 |
| Net loans and leases to deposits | 92.9280% | 972 |
| Net loans and leases to core deposits | 102.0492% | 1,210 |
| Total domestic deposits to total assets | 82.3200% | 3,157 |
| Equity capital to assets | 15.7779% | 462 |
| Core capital (leverage) ratio | 17.3706% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4474% | 188 |
| Memoranda: | ||
| Average total assets | $475,168,250 | 1,783 |
| Average earning assets | $442,557,750 | 1,770 |
| Average equity | $76,186,500 | 1,166 |
| Average total loans | $360,515,500 | 1,571 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 4,235 |
| Cost of funding earning assets | 1.1576% | 2,113 |
| Net interest margin | 2.4569% | 4,253 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.1644% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2436% | 4,239 |
| Return on assets (ROA) | 0.2436% | 4,260 |
| Pretax return on assets | 0.3084% | 4,224 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5111% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.5298% | 444 |
| Assets per employee ($millions) | 7.0755% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 3,801 |
| Loan loss allowance to noncurrent loans | 1,527.2300% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,324 |
| Noncurrent loans to loans | 0.0586% | 3,277 |
| Net loans and leases to total assets | 76.0500% | 1,042 |
| Net loans and leases to deposits | 91.8266% | 1,037 |
| Net loans and leases to core deposits | 99.6137% | 1,259 |
| Total domestic deposits to total assets | 82.8100% | 3,087 |
| Equity capital to assets | 16.2112% | 424 |
| Core capital (leverage) ratio | 17.2991% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6308% | 177 |
| Memoranda: | ||
| Average total assets | $475,417,000 | 1,786 |
| Average earning assets | $443,323,333 | 1,776 |
| Average equity | $76,630,667 | 1,156 |
| Average total loans | $358,657,333 | 1,566 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5388% | 4,224 |
| Cost of funding earning assets | 0.9873% | 2,089 |
| Net interest margin | 2.5515% | 4,258 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1668% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3167% | 4,226 |
| Return on assets (ROA) | 0.3167% | 4,186 |
| Pretax return on assets | 0.4008% | 4,132 |
| Return on Equity (ROE) | 1.9700% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.9707% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.3914% | 576 |
| Assets per employee ($millions) | 7.4816% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 3,838 |
| Loan loss allowance to noncurrent loans | 1,157.6512% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,200 |
| Noncurrent loans to loans | 0.0783% | 3,180 |
| Net loans and leases to total assets | 74.2900% | 1,163 |
| Net loans and leases to deposits | 89.4977% | 1,090 |
| Net loans and leases to core deposits | 96.6961% | 1,244 |
| Total domestic deposits to total assets | 83.0100% | 3,296 |
| Equity capital to assets | 16.0755% | 406 |
| Core capital (leverage) ratio | 17.3269% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8654% | 182 |
| Memoranda: | ||
| Average total assets | $476,095,000 | 1,801 |
| Average earning assets | $444,448,000 | 1,792 |
| Average equity | $76,520,500 | 1,165 |
| Average total loans | $356,107,500 | 1,590 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 3,562 |
| Cost of funding earning assets | 0.3717% | 2,314 |
| Net interest margin | 2.9398% | 3,594 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1503% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6258% | 3,815 |
| Return on assets (ROA) | 0.6258% | 3,768 |
| Pretax return on assets | 0.7788% | 3,674 |
| Return on Equity (ROE) | 3.7900% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,466 |
| Net charge-offs to loans | -0.0012% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.4111% | 1,277 |
| Assets per employee ($millions) | 7.1722% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,694 |
| Loan loss allowance to noncurrent loans | 213.1717% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,571 |
| Noncurrent loans to loans | 0.4320% | 1,630 |
| Net loans and leases to total assets | 73.9300% | 1,219 |
| Net loans and leases to deposits | 88.9909% | 1,116 |
| Net loans and leases to core deposits | 95.2698% | 1,241 |
| Total domestic deposits to total assets | 83.0800% | 3,402 |
| Equity capital to assets | 16.0696% | 384 |
| Core capital (leverage) ratio | 17.3909% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1386% | 178 |
| Memoranda: | ||
| Average total assets | $465,197,800 | 1,818 |
| Average earning assets | $434,720,400 | 1,807 |
| Average equity | $76,860,800 | 1,164 |
| Average total loans | $341,071,000 | 1,575 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2646% | 3,268 |
| Cost of funding earning assets | 0.2960% | 2,215 |
| Net interest margin | 2.9686% | 3,299 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1651% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6267% | 3,762 |
| Return on assets (ROA) | 0.6267% | 3,713 |
| Pretax return on assets | 0.7934% | 3,597 |
| Return on Equity (ROE) | 3.7700% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.7667% | 3,526 |
| Net charge-offs to loans | -0.0032% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.1828% | 1,363 |
| Assets per employee ($millions) | 7.2919% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,755 |
| Loan loss allowance to noncurrent loans | 1,473.7557% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 3,428 |
| Noncurrent loans to loans | 0.0635% | 3,421 |
| Net loans and leases to total assets | 73.8600% | 1,113 |
| Net loans and leases to deposits | 88.6335% | 985 |
| Net loans and leases to core deposits | 93.3697% | 1,122 |
| Total domestic deposits to total assets | 83.3300% | 3,642 |
| Equity capital to assets | 15.6897% | 394 |
| Core capital (leverage) ratio | 17.3520% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3646% | 176 |
| Memoranda: | ||
| Average total assets | $463,155,500 | 1,828 |
| Average earning assets | $432,874,000 | 1,816 |
| Average equity | $77,059,000 | 1,180 |
| Average total loans | $338,033,250 | 1,577 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1926% | 3,068 |
| Cost of funding earning assets | 0.2677% | 2,054 |
| Net interest margin | 2.9249% | 3,103 |
| Noninterest income to average assets | 0.1831% | 4,090 |
| Noninterest expense to average assets | 2.1287% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6264% | 3,553 |
| Return on assets (ROA) | 0.6264% | 3,501 |
| Pretax return on assets | 0.7931% | 3,350 |
| Return on Equity (ROE) | 3.6942% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.6942% | 3,204 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8552% | 1,644 |
| Assets per employee ($millions) | 7.2410% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,808 |
| Loan loss allowance to noncurrent loans | 709.3886% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 3,015 |
| Noncurrent loans to loans | 0.1335% | 3,045 |
| Net loans and leases to total assets | 73.3108% | 971 |
| Net loans and leases to deposits | 88.6825% | 796 |
| Net loans and leases to core deposits | 93.0930% | 968 |
| Total domestic deposits to total assets | 82.6666% | 3,920 |
| Equity capital to assets | 16.4105% | 306 |
| Core capital (leverage) ratio | 17.4653% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8895% | 139 |
| Memoranda: | ||
| Average total assets | $461,980,333 | 1,837 |
| Average earning assets | $432,560,667 | 1,836 |
| Average equity | $78,338,333 | 1,189 |
| Average total loans | $334,727,333 | 1,582 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0957% | 2,991 |
| Cost of funding earning assets | 0.2735% | 1,891 |
| Net interest margin | 2.8221% | 3,069 |
| Noninterest income to average assets | 0.1786% | 4,100 |
| Noninterest expense to average assets | 2.1186% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5593% | 3,529 |
| Return on assets (ROA) | 0.5593% | 3,504 |
| Pretax return on assets | 0.7085% | 3,368 |
| Return on Equity (ROE) | 3.2460% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.2460% | 3,181 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9387% | 1,641 |
| Assets per employee ($millions) | 6.9025% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,820 |
| Loan loss allowance to noncurrent loans | 746.8966% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,150 |
| Noncurrent loans to loans | 0.1304% | 3,159 |
| Net loans and leases to total assets | 71.4520% | 880 |
| Net loans and leases to deposits | 86.7489% | 690 |
| Net loans and leases to core deposits | 90.9878% | 878 |
| Total domestic deposits to total assets | 82.3664% | 4,034 |
| Equity capital to assets | 16.7632% | 281 |
| Core capital (leverage) ratio | 17.5540% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1612% | 141 |
| Memoranda: | ||
| Average total assets | $461,258,500 | 1,856 |
| Average earning assets | $432,864,000 | 1,848 |
| Average equity | $79,482,500 | 1,207 |
| Average total loans | $330,596,500 | 1,585 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1211% | 3,643 |
| Cost of funding earning assets | 0.4780% | 1,018 |
| Net interest margin | 2.6432% | 3,973 |
| Noninterest income to average assets | 0.1694% | 4,311 |
| Noninterest expense to average assets | 2.1594% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4061% | 4,267 |
| Return on assets (ROA) | 0.4061% | 4,300 |
| Pretax return on assets | 0.5023% | 4,255 |
| Return on Equity (ROE) | 2.2771% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.2771% | 3,901 |
| Net charge-offs to loans | 0.0142% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 49.7174% | 1,302 |
| Efficiency ratio | 81.1272% | 741 |
| Assets per employee ($millions) | 6.5721% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,782 |
| Loan loss allowance to noncurrent loans | 676.8750% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,201 |
| Noncurrent loans to loans | 0.1466% | 3,206 |
| Net loans and leases to total assets | 70.4821% | 986 |
| Net loans and leases to deposits | 86.4921% | 752 |
| Net loans and leases to core deposits | 90.7168% | 940 |
| Total domestic deposits to total assets | 81.4897% | 4,042 |
| Equity capital to assets | 17.7025% | 266 |
| Core capital (leverage) ratio | 17.4747% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8251% | 136 |
| Memoranda: | ||
| Average total assets | $455,267,600 | 1,821 |
| Average earning assets | $429,297,200 | 1,805 |
| Average equity | $81,199,000 | 1,195 |
| Average total loans | $324,134,800 | 1,613 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1595% | 3,681 |
| Cost of funding earning assets | 0.5269% | 923 |
| Net interest margin | 2.6325% | 4,089 |
| Noninterest income to average assets | 0.1668% | 4,367 |
| Noninterest expense to average assets | 2.1652% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3832% | 4,396 |
| Return on assets (ROA) | 0.3832% | 4,430 |
| Pretax return on assets | 0.4851% | 4,387 |
| Return on Equity (ROE) | 2.1444% | 4,578 |
| Retained earnings to average equity (ytd only) | 2.1444% | 4,156 |
| Net charge-offs to loans | 0.0190% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 35.9130% | 1,438 |
| Efficiency ratio | 81.6973% | 652 |
| Assets per employee ($millions) | 6.3101% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,847 |
| Loan loss allowance to noncurrent loans | 635.8121% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 3,359 |
| Noncurrent loans to loans | 0.1572% | 3,340 |
| Net loans and leases to total assets | 70.8137% | 1,010 |
| Net loans and leases to deposits | 87.2859% | 751 |
| Net loans and leases to core deposits | 91.7469% | 933 |
| Total domestic deposits to total assets | 81.1285% | 4,072 |
| Equity capital to assets | 17.9268% | 278 |
| Core capital (leverage) ratio | 17.6443% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1325% | 141 |
| Memoranda: | ||
| Average total assets | $454,072,750 | 1,846 |
| Average earning assets | $428,372,000 | 1,830 |
| Average equity | $81,138,750 | 1,213 |
| Average total loans | $323,293,500 | 1,642 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2239% | 3,626 |
| Cost of funding earning assets | 0.5870% | 795 |
| Net interest margin | 2.6368% | 4,107 |
| Noninterest income to average assets | 0.1683% | 4,361 |
| Noninterest expense to average assets | 2.1767% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3815% | 4,425 |
| Return on assets (ROA) | 0.3815% | 4,461 |
| Pretax return on assets | 0.4828% | 4,411 |
| Return on Equity (ROE) | 2.1373% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.1373% | 4,084 |
| Net charge-offs to loans | 0.0285% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.8261% | 1,454 |
| Efficiency ratio | 81.8453% | 680 |
| Assets per employee ($millions) | 6.3723% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.1432% | 1,062 |
| Net loans and leases to deposits | 87.6389% | 799 |
| Net loans and leases to core deposits | 92.0076% | 1,005 |
| Total domestic deposits to total assets | 81.1776% | 4,067 |
| Equity capital to assets | 17.9462% | 269 |
| Core capital (leverage) ratio | 17.4291% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0921% | 147 |
| Memoranda: | ||
| Average total assets | $453,987,000 | 1,841 |
| Average earning assets | $428,927,000 | 1,821 |
| Average equity | $81,036,000 | 1,205 |
| Average total loans | $322,732,333 | 1,653 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 3,485 |
| Cost of funding earning assets | 0.6564% | 666 |
| Net interest margin | 2.6291% | 4,095 |
| Noninterest income to average assets | 0.1610% | 4,393 |
| Noninterest expense to average assets | 2.1435% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4020% | 4,355 |
| Return on assets (ROA) | 0.4020% | 4,382 |
| Pretax return on assets | 0.5084% | 4,335 |
| Return on Equity (ROE) | 2.2580% | 4,580 |
| Retained earnings to average equity (ytd only) | 2.2580% | 3,960 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8292% | 764 |
| Assets per employee ($millions) | 6.3435% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.7050% | 1,331 |
| Net loans and leases to deposits | 85.5404% | 991 |
| Net loans and leases to core deposits | 90.3089% | 1,211 |
| Total domestic deposits to total assets | 81.4877% | 3,988 |
| Equity capital to assets | 17.6965% | 267 |
| Core capital (leverage) ratio | 17.4811% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9689% | 141 |
| Memoranda: | ||
| Average total assets | $454,765,500 | 1,828 |
| Average earning assets | $430,864,000 | 1,803 |
| Average equity | $80,957,000 | 1,198 |
| Average total loans | $321,537,500 | 1,659 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 3,684 |
| Cost of funding earning assets | 0.9111% | 828 |
| Net interest margin | 2.7438% | 4,329 |
| Noninterest income to average assets | 0.3755% | 3,238 |
| Noninterest expense to average assets | 2.1818% | 3,712 |
| Loan and lease loss provision to assets | 0.2240% | 1,744 |
| Net operating income to assets | 0.4524% | 4,136 |
| Return on assets (ROA) | 0.4524% | 4,214 |
| Pretax return on assets | 0.5633% | 4,158 |
| Return on Equity (ROE) | 2.5297% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.5297% | 3,580 |
| Net charge-offs to loans | 0.0042% | 3,210 |
| Credit loss provision to net charge-offs | 7,142.8571% | 149 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 402 |
| Efficiency ratio | 73.4832% | 1,509 |
| Assets per employee ($millions) | 6.3774% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,777 |
| Loan loss allowance to noncurrent loans | 2,098.7261% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,185 |
| Noncurrent loans to loans | 0.0488% | 4,099 |
| Net loans and leases to total assets | 70.2564% | 1,527 |
| Net loans and leases to deposits | 86.4423% | 1,220 |
| Net loans and leases to core deposits | 92.2587% | 1,369 |
| Total domestic deposits to total assets | 81.2755% | 3,817 |
| Equity capital to assets | 17.9083% | 279 |
| Core capital (leverage) ratio | 17.3824% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7562% | 143 |
| Memoranda: | ||
| Average total assets | $446,330,400 | 1,715 |
| Average earning assets | $421,892,800 | 1,685 |
| Average equity | $79,811,800 | 1,163 |
| Average total loans | $331,499,400 | 1,572 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 3,652 |
| Cost of funding earning assets | 0.9567% | 891 |
| Net interest margin | 2.8101% | 4,328 |
| Noninterest income to average assets | 0.4506% | 2,845 |
| Noninterest expense to average assets | 2.1778% | 3,733 |
| Loan and lease loss provision to assets | 0.2997% | 1,345 |
| Net operating income to assets | 0.4956% | 4,055 |
| Return on assets (ROA) | 0.4956% | 4,138 |
| Pretax return on assets | 0.6272% | 4,058 |
| Return on Equity (ROE) | 2.7725% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.7725% | 3,619 |
| Net charge-offs to loans | 0.0040% | 3,020 |
| Credit loss provision to net charge-offs | 10,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 309.2000% | 349 |
| Efficiency ratio | 70.1429% | 1,862 |
| Assets per employee ($millions) | 6.3110% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,754 |
| Loan loss allowance to noncurrent loans | 1,118.3051% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,117 |
| Noncurrent loans to loans | 0.0883% | 4,015 |
| Net loans and leases to total assets | 72.8296% | 1,532 |
| Net loans and leases to deposits | 89.6527% | 1,304 |
| Net loans and leases to core deposits | 95.7677% | 1,473 |
| Total domestic deposits to total assets | 81.2353% | 3,603 |
| Equity capital to assets | 17.7753% | 318 |
| Core capital (leverage) ratio | 17.4352% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0627% | 165 |
| Memoranda: | ||
| Average total assets | $444,714,000 | 1,693 |
| Average earning assets | $420,049,500 | 1,672 |
| Average equity | $79,492,750 | 1,156 |
| Average total loans | $334,021,000 | 1,554 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 3,703 |
| Cost of funding earning assets | 1.0170% | 940 |
| Net interest margin | 2.8503% | 4,384 |
| Noninterest income to average assets | 0.1278% | 4,663 |
| Noninterest expense to average assets | 2.1989% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4893% | 4,046 |
| Return on assets (ROA) | 0.4893% | 4,119 |
| Pretax return on assets | 0.6193% | 4,022 |
| Return on Equity (ROE) | 2.7319% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.7319% | 3,487 |
| Net charge-offs to loans | -0.0072% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0260% | 1,054 |
| Assets per employee ($millions) | 6.1545% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 4,589 |
| Loan loss allowance to noncurrent loans | 197.8687% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,266 |
| Noncurrent loans to loans | 0.3480% | 3,153 |
| Net loans and leases to total assets | 74.5094% | 1,340 |
| Net loans and leases to deposits | 91.8395% | 1,178 |
| Net loans and leases to core deposits | 98.0964% | 1,404 |
| Total domestic deposits to total assets | 81.1300% | 3,572 |
| Equity capital to assets | 17.8592% | 311 |
| Core capital (leverage) ratio | 17.5672% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3711% | 170 |
| Memoranda: | ||
| Average total assets | $441,487,000 | 1,678 |
| Average earning assets | $416,732,333 | 1,660 |
| Average equity | $79,067,000 | 1,153 |
| Average total loans | $333,950,333 | 1,537 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,226 |
| Cost of funding earning assets | 1.0891% | 1,079 |
| Net interest margin | 2.7149% | 4,657 |
| Noninterest income to average assets | 0.1316% | 4,712 |
| Noninterest expense to average assets | 2.2011% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3885% | 4,162 |
| Return on assets (ROA) | 0.3885% | 4,195 |
| Pretax return on assets | 0.4918% | 4,138 |
| Return on Equity (ROE) | 2.1661% | 4,412 |
| Retained earnings to average equity (ytd only) | 2.1661% | 3,385 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7379% | 993 |
| Assets per employee ($millions) | 6.0009% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,618 |
| Loan loss allowance to noncurrent loans | 252.3497% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,643 |
| Noncurrent loans to loans | 0.2750% | 3,509 |
| Net loans and leases to total assets | 75.4146% | 1,401 |
| Net loans and leases to deposits | 93.0975% | 1,172 |
| Net loans and leases to core deposits | 99.4425% | 1,518 |
| Total domestic deposits to total assets | 81.0060% | 3,660 |
| Equity capital to assets | 18.0652% | 350 |
| Core capital (leverage) ratio | 17.7499% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1301% | 174 |
| Memoranda: | ||
| Average total assets | $437,590,500 | 1,656 |
| Average earning assets | $412,825,500 | 1,628 |
| Average equity | $78,481,500 | 1,157 |
| Average total loans | $332,387,000 | 1,515 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 4,470 |
| Cost of funding earning assets | 1.0679% | 1,439 |
| Net interest margin | 2.8125% | 4,750 |
| Noninterest income to average assets | 0.1386% | 4,783 |
| Noninterest expense to average assets | 2.1342% | 4,299 |
| Loan and lease loss provision to assets | 0.0023% | 3,950 |
| Net operating income to assets | 0.5383% | 4,314 |
| Return on assets (ROA) | 0.5621% | 4,316 |
| Pretax return on assets | 0.6991% | 4,210 |
| Return on Equity (ROE) | 3.1936% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.1936% | 3,426 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0639% | 1,358 |
| Assets per employee ($millions) | 5.9879% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,584 |
| Loan loss allowance to noncurrent loans | 315.8687% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,811 |
| Noncurrent loans to loans | 0.2201% | 3,663 |
| Net loans and leases to total assets | 75.4471% | 1,515 |
| Net loans and leases to deposits | 92.8084% | 1,275 |
| Net loans and leases to core deposits | 100.0753% | 1,556 |
| Total domestic deposits to total assets | 81.2933% | 3,704 |
| Equity capital to assets | 17.8044% | 387 |
| Core capital (leverage) ratio | 17.5261% | 372 |
| Tier 1 risk-based capital ratio | 35.9543% | 311 |
| Total risk-based capital ratio | 37.0297% | 306 |
| Memoranda: | ||
| Average total assets | $432,987,200 | 1,616 |
| Average earning assets | $410,638,000 | 1,584 |
| Average equity | $76,215,000 | 1,130 |
| Average total loans | $327,966,200 | 1,505 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,564 |
| Cost of funding earning assets | 1.0425% | 1,573 |
| Net interest margin | 2.8386% | 4,823 |
| Noninterest income to average assets | 0.1364% | 4,852 |
| Noninterest expense to average assets | 2.1255% | 4,317 |
| Loan and lease loss provision to assets | 0.0031% | 3,804 |
| Net operating income to assets | 0.5559% | 4,392 |
| Return on assets (ROA) | 0.5874% | 4,376 |
| Pretax return on assets | 0.7414% | 4,259 |
| Return on Equity (ROE) | 3.3468% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.3468% | 3,727 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1009% | 1,438 |
| Assets per employee ($millions) | 6.0729% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 4,666 |
| Loan loss allowance to noncurrent loans | 200.4340% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 3,507 |
| Noncurrent loans to loans | 0.3481% | 3,289 |
| Net loans and leases to total assets | 75.1648% | 1,628 |
| Net loans and leases to deposits | 92.5555% | 1,370 |
| Net loans and leases to core deposits | 99.5725% | 1,692 |
| Total domestic deposits to total assets | 81.2105% | 3,692 |
| Equity capital to assets | 17.7047% | 416 |
| Core capital (leverage) ratio | 17.5740% | 384 |
| Tier 1 risk-based capital ratio | 35.5679% | 331 |
| Total risk-based capital ratio | 36.6391% | 330 |
| Memoranda: | ||
| Average total assets | $431,954,750 | 1,628 |
| Average earning assets | $409,908,000 | 1,593 |
| Average equity | $75,812,250 | 1,128 |
| Average total loans | $326,932,500 | 1,522 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,613 |
| Cost of funding earning assets | 1.0105% | 1,647 |
| Net interest margin | 2.8548% | 4,868 |
| Noninterest income to average assets | 0.1348% | 4,897 |
| Noninterest expense to average assets | 2.1339% | 4,354 |
| Loan and lease loss provision to assets | 0.0046% | 3,635 |
| Net operating income to assets | 0.5629% | 4,398 |
| Return on assets (ROA) | 0.6109% | 4,317 |
| Pretax return on assets | 0.7671% | 4,178 |
| Return on Equity (ROE) | 3.4910% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.4910% | 3,494 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9877% | 1,518 |
| Assets per employee ($millions) | 6.0179% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 4,703 |
| Loan loss allowance to noncurrent loans | 171.6729% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,296 |
| Noncurrent loans to loans | 0.4116% | 3,058 |
| Net loans and leases to total assets | 74.8751% | 1,743 |
| Net loans and leases to deposits | 92.1521% | 1,476 |
| Net loans and leases to core deposits | 99.1077% | 1,799 |
| Total domestic deposits to total assets | 81.2517% | 3,735 |
| Equity capital to assets | 17.6941% | 409 |
| Core capital (leverage) ratio | 17.4829% | 385 |
| Tier 1 risk-based capital ratio | 35.7084% | 320 |
| Total risk-based capital ratio | 36.7922% | 319 |
| Memoranda: | ||
| Average total assets | $430,189,670 | 1,634 |
| Average earning assets | $408,503,330 | 1,599 |
| Average equity | $75,278,330 | 1,135 |
| Average total loans | $325,587,670 | 1,534 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 4,636 |
| Cost of funding earning assets | 0.9540% | 1,778 |
| Net interest margin | 2.8884% | 4,894 |
| Noninterest income to average assets | 0.1325% | 4,934 |
| Noninterest expense to average assets | 2.1043% | 4,456 |
| Loan and lease loss provision to assets | 0.0093% | 3,316 |
| Net operating income to assets | 0.6019% | 4,240 |
| Return on assets (ROA) | 0.6019% | 4,277 |
| Pretax return on assets | 0.7624% | 4,142 |
| Return on Equity (ROE) | 3.4592% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.4592% | 3,530 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1668% | 1,857 |
| Assets per employee ($millions) | 5.9339% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,764 |
| Loan loss allowance to noncurrent loans | 227.0403% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 3,683 |
| Noncurrent loans to loans | 0.3119% | 3,449 |
| Net loans and leases to total assets | 74.7461% | 1,681 |
| Net loans and leases to deposits | 91.5457% | 1,451 |
| Net loans and leases to core deposits | 98.5701% | 1,738 |
| Total domestic deposits to total assets | 81.6489% | 3,817 |
| Equity capital to assets | 17.3832% | 409 |
| Core capital (leverage) ratio | 17.5392% | 367 |
| Tier 1 risk-based capital ratio | 35.5623% | 310 |
| Total risk-based capital ratio | 36.6512% | 309 |
| Memoranda: | ||
| Average total assets | $428,638,500 | 1,640 |
| Average earning assets | $407,144,000 | 1,605 |
| Average equity | $74,584,000 | 1,140 |
| Average total loans | $325,013,000 | 1,541 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 4,530 |
| Cost of funding earning assets | 0.7684% | 1,696 |
| Net interest margin | 3.0140% | 4,785 |
| Noninterest income to average assets | 0.1383% | 5,017 |
| Noninterest expense to average assets | 2.1583% | 4,431 |
| Loan and lease loss provision to assets | 0.0119% | 3,900 |
| Net operating income to assets | 0.6626% | 4,250 |
| Return on assets (ROA) | 0.6527% | 4,284 |
| Pretax return on assets | 0.8210% | 4,112 |
| Return on Equity (ROE) | 3.7925% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.7925% | 3,487 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8587% | 1,922 |
| Assets per employee ($millions) | 5.7311% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,787 |
| Loan loss allowance to noncurrent loans | 243.0233% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,712 |
| Noncurrent loans to loans | 0.2920% | 3,514 |
| Net loans and leases to total assets | 75.8395% | 1,641 |
| Net loans and leases to deposits | 92.8650% | 1,412 |
| Net loans and leases to core deposits | 100.0887% | 1,714 |
| Total domestic deposits to total assets | 81.6663% | 3,730 |
| Equity capital to assets | 17.4176% | 382 |
| Core capital (leverage) ratio | 17.3082% | 379 |
| Tier 1 risk-based capital ratio | 35.4780% | 306 |
| Total risk-based capital ratio | 36.5690% | 306 |
| Memoranda: | ||
| Average total assets | $420,242,400 | 1,630 |
| Average earning assets | $399,507,400 | 1,592 |
| Average equity | $72,326,200 | 1,123 |
| Average total loans | $315,591,800 | 1,532 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,579 |
| Cost of funding earning assets | 0.7320% | 1,667 |
| Net interest margin | 3.0038% | 4,837 |
| Noninterest income to average assets | 0.1374% | 5,086 |
| Noninterest expense to average assets | 2.1471% | 4,438 |
| Loan and lease loss provision to assets | 0.0223% | 3,574 |
| Net operating income to assets | 0.6513% | 4,365 |
| Return on assets (ROA) | 0.6513% | 4,379 |
| Pretax return on assets | 0.8243% | 4,232 |
| Return on Equity (ROE) | 3.7956% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.7956% | 3,874 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7230% | 1,931 |
| Assets per employee ($millions) | 5.8211% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 4,813 |
| Loan loss allowance to noncurrent loans | 106.9649% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 2,693 |
| Noncurrent loans to loans | 0.6813% | 2,378 |
| Net loans and leases to total assets | 73.3352% | 2,109 |
| Net loans and leases to deposits | 89.2744% | 1,983 |
| Net loans and leases to core deposits | 96.2315% | 2,095 |
| Total domestic deposits to total assets | 82.1459% | 3,568 |
| Equity capital to assets | 16.8431% | 430 |
| Core capital (leverage) ratio | 17.1078% | 408 |
| Tier 1 risk-based capital ratio | 36.2028% | 295 |
| Total risk-based capital ratio | 37.3372% | 296 |
| Memoranda: | ||
| Average total assets | $419,276,750 | 1,631 |
| Average earning assets | $398,688,250 | 1,601 |
| Average equity | $71,940,500 | 1,133 |
| Average total loans | $313,505,250 | 1,542 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,551 |
| Cost of funding earning assets | 0.6782% | 1,753 |
| Net interest margin | 3.0367% | 4,827 |
| Noninterest income to average assets | 0.1386% | 5,121 |
| Noninterest expense to average assets | 2.1596% | 4,468 |
| Loan and lease loss provision to assets | 0.0241% | 3,438 |
| Net operating income to assets | 0.6663% | 4,299 |
| Return on assets (ROA) | 0.6663% | 4,304 |
| Pretax return on assets | 0.8434% | 4,127 |
| Return on Equity (ROE) | 3.8586% | 4,855 |
| Retained earnings to average equity (ytd only) | 3.8586% | 3,674 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3422% | 2,108 |
| Assets per employee ($millions) | 5.8937% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,873 |
| Loan loss allowance to noncurrent loans | 179.7498% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 3,555 |
| Noncurrent loans to loans | 0.4045% | 3,246 |
| Net loans and leases to total assets | 73.9739% | 1,949 |
| Net loans and leases to deposits | 90.1766% | 1,814 |
| Net loans and leases to core deposits | 96.8391% | 1,979 |
| Total domestic deposits to total assets | 82.0323% | 3,714 |
| Equity capital to assets | 16.9949% | 404 |
| Core capital (leverage) ratio | 17.3876% | 356 |
| Tier 1 risk-based capital ratio | 36.2907% | 296 |
| Total risk-based capital ratio | 37.4273% | 290 |
| Memoranda: | ||
| Average total assets | $415,448,000 | 1,658 |
| Average earning assets | $395,163,000 | 1,625 |
| Average equity | $71,736,000 | 1,135 |
| Average total loans | $311,933,670 | 1,552 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,427 |
| Cost of funding earning assets | 0.6259% | 1,873 |
| Net interest margin | 3.0937% | 4,714 |
| Noninterest income to average assets | 0.1353% | 5,190 |
| Noninterest expense to average assets | 2.1917% | 4,442 |
| Loan and lease loss provision to assets | 0.0195% | 3,282 |
| Net operating income to assets | 0.6861% | 4,151 |
| Return on assets (ROA) | 0.6861% | 4,155 |
| Pretax return on assets | 0.8681% | 3,954 |
| Return on Equity (ROE) | 3.9415% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.9415% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1757% | 2,314 |
| Assets per employee ($millions) | 5.7755% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,969 |
| Loan loss allowance to noncurrent loans | 438.8781% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,462 |
| Noncurrent loans to loans | 0.1657% | 4,232 |
| Net loans and leases to total assets | 74.5081% | 1,784 |
| Net loans and leases to deposits | 91.0797% | 1,546 |
| Net loans and leases to core deposits | 97.0843% | 1,900 |
| Total domestic deposits to total assets | 81.8054% | 4,013 |
| Equity capital to assets | 17.2012% | 385 |
| Core capital (leverage) ratio | 17.6368% | 330 |
| Tier 1 risk-based capital ratio | 36.4198% | 295 |
| Total risk-based capital ratio | 37.5571% | 290 |
| Memoranda: | ||
| Average total assets | $411,000,000 | 1,685 |
| Average earning assets | $391,114,000 | 1,646 |
| Average equity | $71,545,500 | 1,143 |
| Average total loans | $309,799,000 | 1,561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,417 |
| Cost of funding earning assets | 0.5750% | 1,779 |
| Net interest margin | 3.0915% | 4,708 |
| Noninterest income to average assets | 0.1278% | 5,306 |
| Noninterest expense to average assets | 2.1742% | 4,582 |
| Loan and lease loss provision to assets | 0.0207% | 3,884 |
| Net operating income to assets | 0.4633% | 4,481 |
| Return on assets (ROA) | 0.4667% | 4,502 |
| Pretax return on assets | 0.8865% | 3,957 |
| Return on Equity (ROE) | 2.7011% | 4,911 |
| Retained earnings to average equity (ytd only) | 2.7011% | 3,697 |
| Net charge-offs to loans | 0.0389% | 3,022 |
| Credit loss provision to net charge-offs | 72.6496% | 3,051 |
| Earnings coverage of net charge-offs (x) | 31.6581% | 1,493 |
| Efficiency ratio | 70.6823% | 2,442 |
| Assets per employee ($millions) | 5.9730% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 5,000 |
| Loan loss allowance to noncurrent loans | 220.4902% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,880 |
| Noncurrent loans to loans | 0.3317% | 3,579 |
| Net loans and leases to total assets | 75.1540% | 1,733 |
| Net loans and leases to deposits | 92.3089% | 1,481 |
| Net loans and leases to core deposits | 97.4417% | 1,905 |
| Total domestic deposits to total assets | 81.4158% | 4,019 |
| Equity capital to assets | 17.6191% | 346 |
| Core capital (leverage) ratio | 17.4891% | 333 |
| Tier 1 risk-based capital ratio | 36.7613% | 279 |
| Total risk-based capital ratio | 37.9096% | 276 |
| Memoranda: | ||
| Average total assets | $410,720,200 | 1,664 |
| Average earning assets | $391,686,200 | 1,628 |
| Average equity | $70,971,800 | 1,122 |
| Average total loans | $300,594,400 | 1,567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 4,447 |
| Cost of funding earning assets | 0.5701% | 1,743 |
| Net interest margin | 3.0776% | 4,761 |
| Noninterest income to average assets | 0.1250% | 5,381 |
| Noninterest expense to average assets | 2.1657% | 4,603 |
| Loan and lease loss provision to assets | 0.0129% | 3,889 |
| Net operating income to assets | 0.5889% | 4,425 |
| Return on assets (ROA) | 0.5889% | 4,464 |
| Pretax return on assets | 0.8825% | 4,095 |
| Return on Equity (ROE) | 3.4243% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.4243% | 3,889 |
| Net charge-offs to loans | 0.0236% | 2,978 |
| Credit loss provision to net charge-offs | 75.4717% | 2,639 |
| Earnings coverage of net charge-offs (x) | 52.1923% | 1,086 |
| Efficiency ratio | 70.7487% | 2,409 |
| Assets per employee ($millions) | 6.0721% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 5,028 |
| Loan loss allowance to noncurrent loans | 162.3926% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,703 |
| Noncurrent loans to loans | 0.4599% | 3,327 |
| Net loans and leases to total assets | 72.9666% | 2,107 |
| Net loans and leases to deposits | 89.4883% | 1,874 |
| Net loans and leases to core deposits | 94.5335% | 2,221 |
| Total domestic deposits to total assets | 81.5376% | 3,907 |
| Equity capital to assets | 17.4338% | 384 |
| Core capital (leverage) ratio | 17.2960% | 354 |
| Tier 1 risk-based capital ratio | 37.1924% | 277 |
| Total risk-based capital ratio | 38.3654% | 274 |
| Memoranda: | ||
| Average total assets | $411,859,750 | 1,678 |
| Average earning assets | $392,932,750 | 1,631 |
| Average equity | $70,824,250 | 1,129 |
| Average total loans | $298,869,000 | 1,581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 4,419 |
| Cost of funding earning assets | 0.5613% | 1,705 |
| Net interest margin | 3.0727% | 4,744 |
| Noninterest income to average assets | 0.1196% | 5,455 |
| Noninterest expense to average assets | 2.1545% | 4,656 |
| Loan and lease loss provision to assets | 0.0122% | 3,715 |
| Net operating income to assets | 0.5905% | 4,352 |
| Return on assets (ROA) | 0.5905% | 4,402 |
| Pretax return on assets | 0.8850% | 3,976 |
| Return on Equity (ROE) | 3.4499% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,658 |
| Net charge-offs to loans | 0.0464% | 2,287 |
| Credit loss provision to net charge-offs | 36.2319% | 2,672 |
| Earnings coverage of net charge-offs (x) | 26.7536% | 1,562 |
| Efficiency ratio | 70.6004% | 2,570 |
| Assets per employee ($millions) | 6.2632% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 5,102 |
| Loan loss allowance to noncurrent loans | 290.8973% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,362 |
| Noncurrent loans to loans | 0.2555% | 4,126 |
| Net loans and leases to total assets | 71.1910% | 2,341 |
| Net loans and leases to deposits | 88.0712% | 1,971 |
| Net loans and leases to core deposits | 92.7885% | 2,271 |
| Total domestic deposits to total assets | 80.8335% | 4,226 |
| Equity capital to assets | 17.0025% | 405 |
| Core capital (leverage) ratio | 17.0397% | 367 |
| Tier 1 risk-based capital ratio | 37.0688% | 261 |
| Total risk-based capital ratio | 38.2319% | 260 |
| Memoranda: | ||
| Average total assets | $411,511,670 | 1,676 |
| Average earning assets | $392,684,670 | 1,634 |
| Average equity | $70,437,330 | 1,132 |
| Average total loans | $297,309,000 | 1,588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 4,353 |
| Cost of funding earning assets | 0.5473% | 1,735 |
| Net interest margin | 3.0769% | 4,717 |
| Noninterest income to average assets | 0.1139% | 5,538 |
| Noninterest expense to average assets | 2.1735% | 4,713 |
| Loan and lease loss provision to assets | 0.0098% | 3,432 |
| Net operating income to assets | 0.5782% | 4,243 |
| Return on assets (ROA) | 0.5782% | 4,288 |
| Pretax return on assets | 0.8669% | 3,879 |
| Return on Equity (ROE) | 3.3666% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.3666% | 3,754 |
| Net charge-offs to loans | 0.0284% | 2,185 |
| Credit loss provision to net charge-offs | 47.6190% | 2,007 |
| Earnings coverage of net charge-offs (x) | 42.5238% | 987 |
| Efficiency ratio | 71.2584% | 2,692 |
| Assets per employee ($millions) | 6.0576% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,164 |
| Loan loss allowance to noncurrent loans | 333.8235% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,469 |
| Noncurrent loans to loans | 0.2288% | 4,295 |
| Net loans and leases to total assets | 71.6018% | 2,129 |
| Net loans and leases to deposits | 88.7643% | 1,699 |
| Net loans and leases to core deposits | 92.9378% | 2,072 |
| Total domestic deposits to total assets | 80.6651% | 4,488 |
| Equity capital to assets | 17.1077% | 374 |
| Core capital (leverage) ratio | 17.3490% | 337 |
| Tier 1 risk-based capital ratio | 37.2897% | 269 |
| Total risk-based capital ratio | 38.4876% | 263 |
| Memoranda: | ||
| Average total assets | $407,451,000 | 1,703 |
| Average earning assets | $388,838,500 | 1,664 |
| Average equity | $69,982,000 | 1,133 |
| Average total loans | $295,474,500 | 1,603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,314 |
| Cost of funding earning assets | 0.5465% | 1,725 |
| Net interest margin | 3.1226% | 4,663 |
| Noninterest income to average assets | 0.1047% | 5,632 |
| Noninterest expense to average assets | 2.1668% | 4,849 |
| Loan and lease loss provision to assets | 0.0250% | 3,857 |
| Net operating income to assets | 0.6037% | 4,191 |
| Return on assets (ROA) | 0.6037% | 4,305 |
| Pretax return on assets | 0.9014% | 3,849 |
| Return on Equity (ROE) | 3.4899% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.4899% | 3,444 |
| Net charge-offs to loans | 0.0003% | 4,277 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 3,709.0000% | 10 |
| Efficiency ratio | 70.0501% | 2,894 |
| Assets per employee ($millions) | 6.1998% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,166 |
| Loan loss allowance to noncurrent loans | 289.4670% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,427 |
| Noncurrent loans to loans | 0.2683% | 4,191 |
| Net loans and leases to total assets | 72.3247% | 2,122 |
| Net loans and leases to deposits | 89.9407% | 1,690 |
| Net loans and leases to core deposits | 93.4158% | 2,169 |
| Total domestic deposits to total assets | 80.4138% | 4,475 |
| Equity capital to assets | 17.2449% | 361 |
| Core capital (leverage) ratio | 17.2645% | 338 |
| Tier 1 risk-based capital ratio | 36.9607% | 277 |
| Total risk-based capital ratio | 38.1648% | 276 |
| Memoranda: | ||
| Average total assets | $400,356,000 | 1,684 |
| Average earning assets | $383,168,400 | 1,625 |
| Average equity | $69,257,200 | 1,136 |
| Average total loans | $292,023,600 | 1,557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,357 |
| Cost of funding earning assets | 0.5486% | 1,710 |
| Net interest margin | 3.1172% | 4,728 |
| Noninterest income to average assets | 0.1027% | 5,700 |
| Noninterest expense to average assets | 2.1806% | 4,815 |
| Loan and lease loss provision to assets | 0.0250% | 3,746 |
| Net operating income to assets | 0.5901% | 4,331 |
| Return on assets (ROA) | 0.5901% | 4,439 |
| Pretax return on assets | 0.8826% | 4,041 |
| Return on Equity (ROE) | 3.4085% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.4085% | 3,854 |
| Net charge-offs to loans | 0.0005% | 3,945 |
| Credit loss provision to net charge-offs | 7,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 2,727.7519% | 19 |
| Efficiency ratio | 70.6092% | 2,808 |
| Assets per employee ($millions) | 5.9116% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,260 |
| Loan loss allowance to noncurrent loans | 218.6047% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 4,416 |
| Noncurrent loans to loans | 0.3542% | 3,988 |
| Net loans and leases to total assets | 71.9274% | 2,205 |
| Net loans and leases to deposits | 89.9696% | 1,759 |
| Net loans and leases to core deposits | 92.4068% | 2,338 |
| Total domestic deposits to total assets | 79.9463% | 4,523 |
| Equity capital to assets | 17.4797% | 394 |
| Core capital (leverage) ratio | 17.1663% | 353 |
| Tier 1 risk-based capital ratio | 35.8678% | 313 |
| Total risk-based capital ratio | 37.0327% | 313 |
| Memoranda: | ||
| Average total assets | $399,698,000 | 1,689 |
| Average earning assets | $382,817,500 | 1,634 |
| Average equity | $69,197,750 | 1,143 |
| Average total loans | $291,594,250 | 1,559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,392 |
| Cost of funding earning assets | 0.5510% | 1,692 |
| Net interest margin | 3.1163% | 4,785 |
| Noninterest income to average assets | 0.1028% | 5,767 |
| Noninterest expense to average assets | 2.2014% | 4,841 |
| Loan and lease loss provision to assets | 0.0351% | 3,449 |
| Net operating income to assets | 0.5705% | 4,397 |
| Return on assets (ROA) | 0.5705% | 4,524 |
| Pretax return on assets | 0.8523% | 4,113 |
| Return on Equity (ROE) | 3.3061% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.3061% | 3,797 |
| Net charge-offs to loans | -0.0007% | 4,308 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2709% | 2,776 |
| Assets per employee ($millions) | 6.1948% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 5,362 |
| Loan loss allowance to noncurrent loans | 337.4813% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 4,844 |
| Noncurrent loans to loans | 0.2265% | 4,529 |
| Net loans and leases to total assets | 72.5854% | 2,072 |
| Net loans and leases to deposits | 90.3639% | 1,710 |
| Net loans and leases to core deposits | 92.9616% | 2,262 |
| Total domestic deposits to total assets | 80.3256% | 4,470 |
| Equity capital to assets | 17.2962% | 395 |
| Core capital (leverage) ratio | 17.0608% | 361 |
| Tier 1 risk-based capital ratio | 35.6958% | 319 |
| Total risk-based capital ratio | 36.8633% | 315 |
| Memoranda: | ||
| Average total assets | $398,935,330 | 1,694 |
| Average earning assets | $382,246,330 | 1,635 |
| Average equity | $68,841,670 | 1,147 |
| Average total loans | $291,661,000 | 1,560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 4,397 |
| Cost of funding earning assets | 0.5411% | 1,782 |
| Net interest margin | 3.1375% | 4,758 |
| Noninterest income to average assets | 0.0987% | 5,824 |
| Noninterest expense to average assets | 2.2706% | 4,741 |
| Loan and lease loss provision to assets | 0.0201% | 3,428 |
| Net operating income to assets | 0.5440% | 4,449 |
| Return on assets (ROA) | 0.5440% | 4,552 |
| Pretax return on assets | 0.8160% | 4,148 |
| Return on Equity (ROE) | 3.1560% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.1560% | 3,939 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0869% | 2,626 |
| Assets per employee ($millions) | 6.0636% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 5,482 |
| Loan loss allowance to noncurrent loans | 105.6676% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,519 |
| Noncurrent loans to loans | 0.7130% | 3,052 |
| Net loans and leases to total assets | 72.4201% | 1,964 |
| Net loans and leases to deposits | 89.4057% | 1,651 |
| Net loans and leases to core deposits | 91.8833% | 2,194 |
| Total domestic deposits to total assets | 81.0016% | 4,494 |
| Equity capital to assets | 17.2040% | 403 |
| Core capital (leverage) ratio | 17.2431% | 352 |
| Tier 1 risk-based capital ratio | 35.6615% | 316 |
| Total risk-based capital ratio | 36.8114% | 315 |
| Memoranda: | ||
| Average total assets | $397,072,500 | 1,700 |
| Average earning assets | $380,689,000 | 1,645 |
| Average equity | $68,440,000 | 1,150 |
| Average total loans | $290,229,500 | 1,558 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 4,537 |
| Cost of funding earning assets | 0.5378% | 1,863 |
| Net interest margin | 3.1086% | 4,881 |
| Noninterest income to average assets | 0.1027% | 5,867 |
| Noninterest expense to average assets | 2.2187% | 5,010 |
| Loan and lease loss provision to assets | 0.0077% | 4,241 |
| Net operating income to assets | 0.5670% | 4,436 |
| Return on assets (ROA) | 0.5670% | 4,526 |
| Pretax return on assets | 0.8491% | 4,026 |
| Return on Equity (ROE) | 3.2841% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.2841% | 3,715 |
| Net charge-offs to loans | 0.0203% | 3,859 |
| Credit loss provision to net charge-offs | 52.6316% | 3,368 |
| Earnings coverage of net charge-offs (x) | 58.4035% | 887 |
| Efficiency ratio | 72.1399% | 2,887 |
| Assets per employee ($millions) | 5.3965% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 5,515 |
| Loan loss allowance to noncurrent loans | 125.3594% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 3,776 |
| Noncurrent loans to loans | 0.6029% | 3,363 |
| Net loans and leases to total assets | 72.6634% | 1,947 |
| Net loans and leases to deposits | 88.9585% | 1,753 |
| Net loans and leases to core deposits | 90.9584% | 2,323 |
| Total domestic deposits to total assets | 81.6824% | 4,270 |
| Equity capital to assets | 17.2688% | 382 |
| Core capital (leverage) ratio | 17.1759% | 344 |
| Tier 1 risk-based capital ratio | 36.2973% | 300 |
| Total risk-based capital ratio | 37.4663% | 296 |
| Memoranda: | ||
| Average total assets | $388,512,800 | 1,695 |
| Average earning assets | $371,544,400 | 1,635 |
| Average equity | $67,080,200 | 1,130 |
| Average total loans | $280,416,400 | 1,557 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 4,587 |
| Cost of funding earning assets | 0.5362% | 1,918 |
| Net interest margin | 3.1087% | 4,938 |
| Noninterest income to average assets | 0.1037% | 5,953 |
| Noninterest expense to average assets | 2.2144% | 5,017 |
| Loan and lease loss provision to assets | 0.0103% | 4,063 |
| Net operating income to assets | 0.5679% | 4,536 |
| Return on assets (ROA) | 0.5679% | 4,623 |
| Pretax return on assets | 0.8499% | 4,175 |
| Return on Equity (ROE) | 3.2892% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.2892% | 4,128 |
| Net charge-offs to loans | 0.0182% | 3,581 |
| Credit loss provision to net charge-offs | 78.9474% | 2,627 |
| Earnings coverage of net charge-offs (x) | 65.7308% | 849 |
| Efficiency ratio | 72.0206% | 2,878 |
| Assets per employee ($millions) | 5.4276% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 5,574 |
| Loan loss allowance to noncurrent loans | 179.9509% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 4,511 |
| Noncurrent loans to loans | 0.4303% | 4,062 |
| Net loans and leases to total assets | 72.1019% | 2,048 |
| Net loans and leases to deposits | 88.2905% | 1,862 |
| Net loans and leases to core deposits | 90.3466% | 2,431 |
| Total domestic deposits to total assets | 81.6644% | 4,269 |
| Equity capital to assets | 17.3442% | 399 |
| Core capital (leverage) ratio | 17.2710% | 353 |
| Tier 1 risk-based capital ratio | 36.2144% | 319 |
| Total risk-based capital ratio | 37.4005% | 321 |
| Memoranda: | ||
| Average total assets | $387,154,000 | 1,710 |
| Average earning assets | $370,011,500 | 1,655 |
| Average equity | $66,842,750 | 1,138 |
| Average total loans | $278,411,500 | 1,574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,634 |
| Cost of funding earning assets | 0.5353% | 1,940 |
| Net interest margin | 3.0960% | 4,977 |
| Noninterest income to average assets | 0.1026% | 6,021 |
| Noninterest expense to average assets | 2.2071% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5711% | 4,467 |
| Return on assets (ROA) | 0.5711% | 4,570 |
| Pretax return on assets | 0.8540% | 4,117 |
| Return on Equity (ROE) | 3.3128% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.3128% | 3,936 |
| Net charge-offs to loans | 0.0275% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 43.3684% | 1,068 |
| Efficiency ratio | 72.1009% | 2,988 |
| Assets per employee ($millions) | 5.6762% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 5,651 |
| Loan loss allowance to noncurrent loans | 91.3263% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 3,571 |
| Noncurrent loans to loans | 0.8499% | 3,003 |
| Net loans and leases to total assets | 71.8325% | 2,014 |
| Net loans and leases to deposits | 87.9170% | 1,849 |
| Net loans and leases to core deposits | 89.8396% | 2,366 |
| Total domestic deposits to total assets | 81.7049% | 4,383 |
| Equity capital to assets | 17.3411% | 393 |
| Core capital (leverage) ratio | 17.1907% | 349 |
| Tier 1 risk-based capital ratio | 36.1796% | 332 |
| Total risk-based capital ratio | 37.3581% | 333 |
| Memoranda: | ||
| Average total assets | $385,943,000 | 1,727 |
| Average earning assets | $368,795,000 | 1,667 |
| Average equity | $66,530,670 | 1,152 |
| Average total loans | $276,560,670 | 1,590 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,615 |
| Cost of funding earning assets | 0.5315% | 1,999 |
| Net interest margin | 3.0923% | 4,977 |
| Noninterest income to average assets | 0.0964% | 6,101 |
| Noninterest expense to average assets | 2.1445% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6074% | 4,254 |
| Return on assets (ROA) | 0.6074% | 4,350 |
| Pretax return on assets | 0.9069% | 3,863 |
| Return on Equity (ROE) | 3.5339% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.5339% | 3,879 |
| Net charge-offs to loans | -0.0044% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2785% | 3,431 |
| Assets per employee ($millions) | 5.9338% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 5,687 |
| Loan loss allowance to noncurrent loans | 171.7729% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,653 |
| Noncurrent loans to loans | 0.4675% | 4,179 |
| Net loans and leases to total assets | 70.7411% | 2,029 |
| Net loans and leases to deposits | 86.5666% | 1,767 |
| Net loans and leases to core deposits | 88.1729% | 2,310 |
| Total domestic deposits to total assets | 81.7187% | 4,598 |
| Equity capital to assets | 17.3023% | 399 |
| Core capital (leverage) ratio | 17.1174% | 348 |
| Tier 1 risk-based capital ratio | 35.6968% | 343 |
| Total risk-based capital ratio | 36.8903% | 341 |
| Memoranda: | ||
| Average total assets | $385,922,500 | 1,729 |
| Average earning assets | $368,791,500 | 1,676 |
| Average equity | $66,329,000 | 1,157 |
| Average total loans | $275,125,500 | 1,592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,807 |
| Cost of funding earning assets | 0.5581% | 2,149 |
| Net interest margin | 3.1323% | 5,122 |
| Noninterest income to average assets | 0.1058% | 6,131 |
| Noninterest expense to average assets | 2.2272% | 5,286 |
| Loan and lease loss provision to assets | 0.0557% | 3,434 |
| Net operating income to assets | 0.5514% | 4,592 |
| Return on assets (ROA) | 0.6438% | 4,273 |
| Pretax return on assets | 0.9477% | 3,703 |
| Return on Equity (ROE) | 3.8314% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.8314% | 3,488 |
| Net charge-offs to loans | 0.0320% | 4,187 |
| Credit loss provision to net charge-offs | 247.1264% | 1,030 |
| Earnings coverage of net charge-offs (x) | 38.4598% | 1,120 |
| Efficiency ratio | 71.9672% | 3,217 |
| Assets per employee ($millions) | 5.8508% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 5,768 |
| Loan loss allowance to noncurrent loans | 148.8529% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 4,483 |
| Noncurrent loans to loans | 0.5385% | 4,043 |
| Net loans and leases to total assets | 70.6957% | 2,126 |
| Net loans and leases to deposits | 86.1383% | 1,963 |
| Net loans and leases to core deposits | 87.7280% | 2,528 |
| Total domestic deposits to total assets | 82.0723% | 4,395 |
| Equity capital to assets | 17.0721% | 407 |
| Core capital (leverage) ratio | 16.9589% | 373 |
| Tier 1 risk-based capital ratio | 35.3628% | 330 |
| Total risk-based capital ratio | 36.5541% | 325 |
| Memoranda: | ||
| Average total assets | $385,686,200 | 1,697 |
| Average earning assets | $368,033,200 | 1,635 |
| Average equity | $64,806,800 | 1,135 |
| Average total loans | $271,776,800 | 1,567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,869 |
| Cost of funding earning assets | 0.5575% | 2,216 |
| Net interest margin | 3.1403% | 5,145 |
| Noninterest income to average assets | 0.1079% | 6,218 |
| Noninterest expense to average assets | 2.2373% | 5,264 |
| Loan and lease loss provision to assets | 0.0657% | 3,039 |
| Net operating income to assets | 0.5473% | 4,683 |
| Return on assets (ROA) | 0.6705% | 4,193 |
| Pretax return on assets | 0.9821% | 3,665 |
| Return on Equity (ROE) | 4.0065% | 5,170 |
| Retained earnings to average equity (ytd only) | 4.0065% | 3,800 |
| Net charge-offs to loans | 0.0433% | 3,638 |
| Credit loss provision to net charge-offs | 215.9091% | 1,191 |
| Earnings coverage of net charge-offs (x) | 28.4774% | 1,420 |
| Efficiency ratio | 72.0811% | 3,157 |
| Assets per employee ($millions) | 5.5580% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,894 |
| Loan loss allowance to noncurrent loans | 106.2896% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 4,228 |
| Noncurrent loans to loans | 0.7444% | 3,741 |
| Net loans and leases to total assets | 70.2557% | 2,152 |
| Net loans and leases to deposits | 85.3607% | 1,988 |
| Net loans and leases to core deposits | 87.2074% | 2,513 |
| Total domestic deposits to total assets | 82.3045% | 4,374 |
| Equity capital to assets | 16.7661% | 459 |
| Core capital (leverage) ratio | 16.6923% | 403 |
| Tier 1 risk-based capital ratio | 34.3325% | 379 |
| Total risk-based capital ratio | 35.4850% | 375 |
| Memoranda: | ||
| Average total assets | $385,570,000 | 1,706 |
| Average earning assets | $367,850,500 | 1,651 |
| Average equity | $64,527,500 | 1,145 |
| Average total loans | $270,921,500 | 1,579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,783 |
| Cost of funding earning assets | 0.5476% | 2,370 |
| Net interest margin | 3.1768% | 5,020 |
| Noninterest income to average assets | 0.1072% | 6,262 |
| Noninterest expense to average assets | 2.2122% | 5,380 |
| Loan and lease loss provision to assets | 0.0989% | 2,377 |
| Net operating income to assets | 0.5684% | 4,506 |
| Return on assets (ROA) | 0.7565% | 3,637 |
| Pretax return on assets | 1.0988% | 3,107 |
| Return on Equity (ROE) | 4.5230% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.5230% | 3,303 |
| Net charge-offs to loans | 0.0661% | 3,052 |
| Credit loss provision to net charge-offs | 213.4831% | 1,108 |
| Earnings coverage of net charge-offs (x) | 19.9775% | 1,600 |
| Efficiency ratio | 70.5141% | 3,573 |
| Assets per employee ($millions) | 5.5719% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,990 |
| Loan loss allowance to noncurrent loans | 131.1860% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 4,730 |
| Noncurrent loans to loans | 0.6052% | 4,206 |
| Net loans and leases to total assets | 69.8122% | 2,119 |
| Net loans and leases to deposits | 84.9786% | 1,931 |
| Net loans and leases to core deposits | 86.7425% | 2,441 |
| Total domestic deposits to total assets | 82.1527% | 4,594 |
| Equity capital to assets | 16.6261% | 463 |
| Core capital (leverage) ratio | 16.5263% | 411 |
| Tier 1 risk-based capital ratio | 33.8277% | 380 |
| Total risk-based capital ratio | 34.9712% | 376 |
| Memoranda: | ||
| Average total assets | $384,407,000 | 1,712 |
| Average earning assets | $366,663,330 | 1,651 |
| Average equity | $64,293,330 | 1,141 |
| Average total loans | $269,390,000 | 1,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,790 |
| Cost of funding earning assets | 0.5351% | 2,549 |
| Net interest margin | 3.1811% | 4,983 |
| Noninterest income to average assets | 0.1027% | 6,324 |
| Noninterest expense to average assets | 2.2558% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6352% | 4,023 |
| Return on assets (ROA) | 0.6352% | 4,112 |
| Pretax return on assets | 0.8816% | 3,770 |
| Return on Equity (ROE) | 3.7865% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,855 |
| Net charge-offs to loans | 0.0779% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.1731% | 1,515 |
| Efficiency ratio | 71.9011% | 3,505 |
| Assets per employee ($millions) | 5.4046% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 6,196 |
| Loan loss allowance to noncurrent loans | 193.3206% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 5,364 |
| Noncurrent loans to loans | 0.3884% | 4,964 |
| Net loans and leases to total assets | 68.8191% | 2,086 |
| Net loans and leases to deposits | 83.6490% | 1,855 |
| Net loans and leases to core deposits | 85.4152% | 2,375 |
| Total domestic deposits to total assets | 82.2714% | 4,866 |
| Equity capital to assets | 16.5324% | 456 |
| Core capital (leverage) ratio | 16.3466% | 439 |
| Tier 1 risk-based capital ratio | 33.9252% | 383 |
| Total risk-based capital ratio | 35.0057% | 383 |
| Memoranda: | ||
| Average total assets | $381,594,500 | 1,733 |
| Average earning assets | $364,024,000 | 1,673 |
| Average equity | $64,016,500 | 1,145 |
| Average total loans | $266,850,500 | 1,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,755 |
| Cost of funding earning assets | 0.5483% | 3,131 |
| Net interest margin | 3.2678% | 4,784 |
| Noninterest income to average assets | 0.1779% | 6,015 |
| Noninterest expense to average assets | 2.3112% | 5,346 |
| Loan and lease loss provision to assets | 0.1000% | 3,134 |
| Net operating income to assets | 0.7272% | 3,671 |
| Return on assets (ROA) | 0.7272% | 3,758 |
| Pretax return on assets | 0.8788% | 3,855 |
| Return on Equity (ROE) | 4.2651% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.2651% | 3,141 |
| Net charge-offs to loans | 0.0244% | 4,932 |
| Credit loss provision to net charge-offs | 593.5484% | 398 |
| Earnings coverage of net charge-offs (x) | 58.1129% | 705 |
| Efficiency ratio | 70.2502% | 3,798 |
| Assets per employee ($millions) | 5.1241% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 6,199 |
| Loan loss allowance to noncurrent loans | 183.9823% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,360 |
| Noncurrent loans to loans | 0.4282% | 4,926 |
| Net loans and leases to total assets | 69.9890% | 2,012 |
| Net loans and leases to deposits | 85.4906% | 1,753 |
| Net loans and leases to core deposits | 87.4499% | 2,296 |
| Total domestic deposits to total assets | 81.8674% | 4,920 |
| Equity capital to assets | 17.0295% | 398 |
| Core capital (leverage) ratio | 16.8435% | 389 |
| Tier 1 risk-based capital ratio | 35.1412% | 323 |
| Total risk-based capital ratio | 36.3008% | 322 |
| Memoranda: | ||
| Average total assets | $368,115,400 | 1,771 |
| Average earning assets | $350,569,200 | 1,707 |
| Average equity | $62,765,600 | 1,143 |
| Average total loans | $254,214,800 | 1,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 4,759 |
| Cost of funding earning assets | 0.5581% | 3,180 |
| Net interest margin | 3.2655% | 4,769 |
| Noninterest income to average assets | 0.2000% | 5,982 |
| Noninterest expense to average assets | 2.2991% | 5,346 |
| Loan and lease loss provision to assets | 0.1338% | 2,606 |
| Net operating income to assets | 0.6910% | 3,906 |
| Return on assets (ROA) | 0.6910% | 4,040 |
| Pretax return on assets | 0.8761% | 3,983 |
| Return on Equity (ROE) | 4.0512% | 5,201 |
| Retained earnings to average equity (ytd only) | 4.0512% | 3,810 |
| Net charge-offs to loans | 0.0334% | 4,465 |
| Credit loss provision to net charge-offs | 584.1270% | 484 |
| Earnings coverage of net charge-offs (x) | 44.0782% | 945 |
| Efficiency ratio | 69.4802% | 3,841 |
| Assets per employee ($millions) | 4.9622% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 6,272 |
| Loan loss allowance to noncurrent loans | 165.2347% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 5,364 |
| Noncurrent loans to loans | 0.4874% | 4,980 |
| Net loans and leases to total assets | 70.6165% | 1,851 |
| Net loans and leases to deposits | 86.8748% | 1,508 |
| Net loans and leases to core deposits | 88.7779% | 2,104 |
| Total domestic deposits to total assets | 81.2854% | 5,144 |
| Equity capital to assets | 17.4660% | 368 |
| Core capital (leverage) ratio | 17.1783% | 373 |
| Tier 1 risk-based capital ratio | 35.9129% | 314 |
| Total risk-based capital ratio | 37.1116% | 307 |
| Memoranda: | ||
| Average total assets | $366,630,250 | 1,789 |
| Average earning assets | $349,056,250 | 1,730 |
| Average equity | $62,532,000 | 1,160 |
| Average total loans | $251,799,250 | 1,653 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 4,853 |
| Cost of funding earning assets | 0.5769% | 3,152 |
| Net interest margin | 3.2154% | 4,889 |
| Noninterest income to average assets | 0.1168% | 6,469 |
| Noninterest expense to average assets | 2.2962% | 5,383 |
| Loan and lease loss provision to assets | 0.0369% | 4,214 |
| Net operating income to assets | 0.6009% | 4,275 |
| Return on assets (ROA) | 0.6009% | 4,455 |
| Pretax return on assets | 0.8454% | 4,131 |
| Return on Equity (ROE) | 3.5513% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.5513% | 4,057 |
| Net charge-offs to loans | 0.0448% | 4,049 |
| Credit loss provision to net charge-offs | 121.4286% | 1,840 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,175 |
| Efficiency ratio | 72.2393% | 3,431 |
| Assets per employee ($millions) | 5.0833% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 6,473 |
| Loan loss allowance to noncurrent loans | 130.2190% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 5,147 |
| Noncurrent loans to loans | 0.5515% | 4,881 |
| Net loans and leases to total assets | 67.3853% | 2,355 |
| Net loans and leases to deposits | 82.4044% | 2,009 |
| Net loans and leases to core deposits | 83.9562% | 2,570 |
| Total domestic deposits to total assets | 81.7739% | 5,126 |
| Equity capital to assets | 17.0556% | 408 |
| Core capital (leverage) ratio | 16.7845% | 396 |
| Tier 1 risk-based capital ratio | 35.6109% | 320 |
| Total risk-based capital ratio | 36.6451% | 320 |
| Memoranda: | ||
| Average total assets | $368,093,330 | 1,780 |
| Average earning assets | $350,500,330 | 1,723 |
| Average equity | $62,286,330 | 1,169 |
| Average total loans | $249,772,670 | 1,660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 4,784 |
| Cost of funding earning assets | 0.5895% | 3,210 |
| Net interest margin | 3.2242% | 4,831 |
| Noninterest income to average assets | 0.1149% | 6,521 |
| Noninterest expense to average assets | 2.3026% | 5,415 |
| Loan and lease loss provision to assets | 0.0087% | 4,343 |
| Net operating income to assets | 0.5678% | 4,371 |
| Return on assets (ROA) | 0.5678% | 4,521 |
| Pretax return on assets | 0.8734% | 3,858 |
| Return on Equity (ROE) | 3.3688% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.3688% | 4,232 |
| Net charge-offs to loans | 0.0240% | 3,702 |
| Credit loss provision to net charge-offs | 53.3333% | 2,556 |
| Earnings coverage of net charge-offs (x) | 54.2667% | 632 |
| Efficiency ratio | 72.3035% | 3,563 |
| Assets per employee ($millions) | 5.3704% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 6,586 |
| Loan loss allowance to noncurrent loans | 105.0595% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 5,113 |
| Noncurrent loans to loans | 0.6719% | 4,774 |
| Net loans and leases to total assets | 67.0027% | 2,197 |
| Net loans and leases to deposits | 81.7467% | 1,863 |
| Net loans and leases to core deposits | 83.5921% | 2,373 |
| Total domestic deposits to total assets | 81.9638% | 5,203 |
| Equity capital to assets | 16.8531% | 441 |
| Core capital (leverage) ratio | 16.4216% | 411 |
| Tier 1 risk-based capital ratio | 34.9160% | 349 |
| Total risk-based capital ratio | 35.9288% | 351 |
| Memoranda: | ||
| Average total assets | $369,141,000 | 1,788 |
| Average earning assets | $351,468,500 | 1,731 |
| Average equity | $62,218,000 | 1,186 |
| Average total loans | $250,452,500 | 1,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 4,975 |
| Cost of funding earning assets | 0.7092% | 3,422 |
| Net interest margin | 3.3837% | 4,945 |
| Noninterest income to average assets | 0.1221% | 6,426 |
| Noninterest expense to average assets | 2.2830% | 5,736 |
| Loan and lease loss provision to assets | 0.0324% | 5,491 |
| Net operating income to assets | 0.6698% | 3,886 |
| Return on assets (ROA) | 0.6698% | 4,154 |
| Pretax return on assets | 1.0306% | 3,436 |
| Return on Equity (ROE) | 4.0651% | 5,113 |
| Retained earnings to average equity (ytd only) | 4.0651% | 3,355 |
| Net charge-offs to loans | 0.0487% | 5,231 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 947 |
| Efficiency ratio | 68.2299% | 4,101 |
| Assets per employee ($millions) | 5.2532% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 6,627 |
| Loan loss allowance to noncurrent loans | 81.3964% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 4,877 |
| Noncurrent loans to loans | 0.8678% | 4,448 |
| Net loans and leases to total assets | 67.7367% | 2,232 |
| Net loans and leases to deposits | 82.5707% | 1,926 |
| Net loans and leases to core deposits | 84.5360% | 2,486 |
| Total domestic deposits to total assets | 82.0347% | 5,079 |
| Equity capital to assets | 16.8565% | 432 |
| Core capital (leverage) ratio | 16.4056% | 404 |
| Tier 1 risk-based capital ratio | 34.9323% | 344 |
| Total risk-based capital ratio | 35.9584% | 347 |
| Memoranda: | ||
| Average total assets | $370,259,000 | 1,758 |
| Average earning assets | $352,781,400 | 1,692 |
| Average equity | $61,006,800 | 1,169 |
| Average total loans | $246,495,600 | 1,675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 5,016 |
| Cost of funding earning assets | 0.7329% | 3,491 |
| Net interest margin | 3.4123% | 4,993 |
| Noninterest income to average assets | 0.1215% | 6,530 |
| Noninterest expense to average assets | 2.2802% | 5,741 |
| Loan and lease loss provision to assets | 0.0241% | 5,490 |
| Net operating income to assets | 0.6949% | 3,934 |
| Return on assets (ROA) | 0.6949% | 4,184 |
| Pretax return on assets | 1.0691% | 3,467 |
| Return on Equity (ROE) | 4.2416% | 5,174 |
| Retained earnings to average equity (ytd only) | 4.2416% | 3,908 |
| Net charge-offs to loans | 0.0603% | 4,821 |
| Credit loss provision to net charge-offs | 60.3604% | 4,139 |
| Earnings coverage of net charge-offs (x) | 27.3957% | 1,187 |
| Efficiency ratio | 67.5938% | 4,154 |
| Assets per employee ($millions) | 5.2600% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 6,749 |
| Loan loss allowance to noncurrent loans | 64.5258% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 4,700 |
| Noncurrent loans to loans | 1.0853% | 4,267 |
| Net loans and leases to total assets | 66.5484% | 2,553 |
| Net loans and leases to deposits | 81.1192% | 2,232 |
| Net loans and leases to core deposits | 83.1829% | 2,798 |
| Total domestic deposits to total assets | 82.0378% | 5,009 |
| Equity capital to assets | 16.7672% | 494 |
| Core capital (leverage) ratio | 16.2352% | 452 |
| Tier 1 risk-based capital ratio | 34.8365% | 363 |
| Total risk-based capital ratio | 35.8435% | 364 |
| Memoranda: | ||
| Average total assets | $370,893,500 | 1,779 |
| Average earning assets | $353,459,500 | 1,705 |
| Average equity | $60,762,250 | 1,183 |
| Average total loans | $245,406,000 | 1,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 4,986 |
| Cost of funding earning assets | 0.7561% | 3,553 |
| Net interest margin | 3.4342% | 4,950 |
| Noninterest income to average assets | 0.1221% | 6,571 |
| Noninterest expense to average assets | 2.2722% | 5,814 |
| Loan and lease loss provision to assets | 0.0081% | 5,555 |
| Net operating income to assets | 0.7251% | 3,725 |
| Return on assets (ROA) | 0.7251% | 4,005 |
| Pretax return on assets | 1.1157% | 3,249 |
| Return on Equity (ROE) | 4.4608% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.4608% | 3,637 |
| Net charge-offs to loans | 0.0318% | 4,932 |
| Credit loss provision to net charge-offs | 38.4615% | 4,299 |
| Earnings coverage of net charge-offs (x) | 53.5641% | 691 |
| Efficiency ratio | 66.9096% | 4,337 |
| Assets per employee ($millions) | 5.2287% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 6,822 |
| Loan loss allowance to noncurrent loans | 106.9767% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 5,351 |
| Noncurrent loans to loans | 0.6609% | 5,184 |
| Net loans and leases to total assets | 66.1308% | 2,645 |
| Net loans and leases to deposits | 80.2433% | 2,351 |
| Net loans and leases to core deposits | 82.2166% | 2,934 |
| Total domestic deposits to total assets | 82.4129% | 4,978 |
| Equity capital to assets | 16.4523% | 512 |
| Core capital (leverage) ratio | 15.9451% | 468 |
| Tier 1 risk-based capital ratio | 34.4646% | 360 |
| Total risk-based capital ratio | 35.4823% | 362 |
| Memoranda: | ||
| Average total assets | $371,791,000 | 1,776 |
| Average earning assets | $354,434,330 | 1,701 |
| Average equity | $60,437,330 | 1,183 |
| Average total loans | $244,954,670 | 1,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 5,031 |
| Cost of funding earning assets | 0.7800% | 3,627 |
| Net interest margin | 3.4414% | 4,948 |
| Noninterest income to average assets | 0.1193% | 6,656 |
| Noninterest expense to average assets | 2.2232% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7655% | 3,537 |
| Return on assets (ROA) | 0.7655% | 3,776 |
| Pretax return on assets | 1.1783% | 2,997 |
| Return on Equity (ROE) | 4.7374% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.7374% | 3,718 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3603% | 4,677 |
| Assets per employee ($millions) | 5.2517% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 6,843 |
| Loan loss allowance to noncurrent loans | 102.6651% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,562 |
| Noncurrent loans to loans | 0.7090% | 5,248 |
| Net loans and leases to total assets | 64.8132% | 2,688 |
| Net loans and leases to deposits | 78.4900% | 2,422 |
| Net loans and leases to core deposits | 80.5555% | 3,001 |
| Total domestic deposits to total assets | 82.5752% | 5,090 |
| Equity capital to assets | 16.2105% | 541 |
| Core capital (leverage) ratio | 15.7047% | 501 |
| Tier 1 risk-based capital ratio | 34.2513% | 358 |
| Total risk-based capital ratio | 35.2877% | 357 |
| Memoranda: | ||
| Average total assets | $372,068,000 | 1,778 |
| Average earning assets | $354,857,000 | 1,707 |
| Average equity | $60,117,500 | 1,183 |
| Average total loans | $243,807,000 | 1,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 5,721 |
| Cost of funding earning assets | 0.9762% | 3,532 |
| Net interest margin | 3.3377% | 5,691 |
| Noninterest income to average assets | 0.1765% | 6,230 |
| Noninterest expense to average assets | 2.3998% | 5,776 |
| Loan and lease loss provision to assets | 0.0282% | 6,220 |
| Net operating income to assets | 0.6061% | 3,973 |
| Return on assets (ROA) | 0.6061% | 4,155 |
| Pretax return on assets | 0.9322% | 3,504 |
| Return on Equity (ROE) | 3.8664% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,457 |
| Net charge-offs to loans | 0.0129% | 6,251 |
| Credit loss provision to net charge-offs | 328.1250% | 713 |
| Earnings coverage of net charge-offs (x) | 111.9063% | 287 |
| Efficiency ratio | 71.4183% | 3,710 |
| Assets per employee ($millions) | 5.3807% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 6,864 |
| Loan loss allowance to noncurrent loans | 108.3792% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 5,746 |
| Noncurrent loans to loans | 0.6696% | 5,362 |
| Net loans and leases to total assets | 65.2904% | 2,921 |
| Net loans and leases to deposits | 78.6225% | 2,740 |
| Net loans and leases to core deposits | 80.6825% | 3,360 |
| Total domestic deposits to total assets | 83.0429% | 4,732 |
| Equity capital to assets | 16.1046% | 566 |
| Core capital (leverage) ratio | 15.7065% | 498 |
| Tier 1 risk-based capital ratio | 37.3991% | 283 |
| Total risk-based capital ratio | 38.5448% | 279 |
| Memoranda: | ||
| Average total assets | $372,863,600 | 1,747 |
| Average earning assets | $355,659,800 | 1,663 |
| Average equity | $58,452,400 | 1,166 |
| Average total loans | $247,611,600 | 1,688 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 5,805 |
| Cost of funding earning assets | 1.0179% | 3,544 |
| Net interest margin | 3.3239% | 5,787 |
| Noninterest income to average assets | 0.1654% | 6,409 |
| Noninterest expense to average assets | 2.4386% | 5,663 |
| Loan and lease loss provision to assets | 0.0161% | 6,231 |
| Net operating income to assets | 0.5729% | 4,204 |
| Return on assets (ROA) | 0.5729% | 4,388 |
| Pretax return on assets | 0.8812% | 3,841 |
| Return on Equity (ROE) | 3.6798% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.6798% | 4,129 |
| Net charge-offs to loans | 0.0172% | 5,913 |
| Credit loss provision to net charge-offs | 140.6250% | 2,260 |
| Earnings coverage of net charge-offs (x) | 78.4919% | 446 |
| Efficiency ratio | 73.1020% | 3,346 |
| Assets per employee ($millions) | 5.5170% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 6,968 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 6,130 |
| Noncurrent loans to loans | 0.4809% | 5,885 |
| Net loans and leases to total assets | 64.9562% | 3,115 |
| Net loans and leases to deposits | 77.9866% | 2,995 |
| Net loans and leases to core deposits | 80.0238% | 3,634 |
| Total domestic deposits to total assets | 83.2915% | 4,563 |
| Equity capital to assets | 15.7924% | 670 |
| Core capital (leverage) ratio | 15.3744% | 595 |
| Tier 1 risk-based capital ratio | 36.2276% | 314 |
| Total risk-based capital ratio | 37.3115% | 316 |
| Memoranda: | ||
| Average total assets | $373,263,000 | 1,744 |
| Average earning assets | $356,035,000 | 1,666 |
| Average equity | $58,117,750 | 1,171 |
| Average total loans | $248,471,250 | 1,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 5,781 |
| Cost of funding earning assets | 1.0480% | 3,617 |
| Net interest margin | 3.3243% | 5,790 |
| Noninterest income to average assets | 0.1701% | 6,441 |
| Noninterest expense to average assets | 2.4593% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5727% | 4,197 |
| Return on assets (ROA) | 0.5727% | 4,325 |
| Pretax return on assets | 0.8808% | 3,708 |
| Return on Equity (ROE) | 3.6958% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.6958% | 3,864 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6301% | 3,432 |
| Assets per employee ($millions) | 5.3803% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 7,033 |
| Loan loss allowance to noncurrent loans | 681.2749% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 6,900 |
| Noncurrent loans to loans | 0.1010% | 6,721 |
| Net loans and leases to total assets | 65.5441% | 3,128 |
| Net loans and leases to deposits | 78.4233% | 3,052 |
| Net loans and leases to core deposits | 80.4805% | 3,718 |
| Total domestic deposits to total assets | 83.5774% | 4,512 |
| Equity capital to assets | 15.5530% | 692 |
| Core capital (leverage) ratio | 15.1634% | 639 |
| Tier 1 risk-based capital ratio | 35.9325% | 324 |
| Total risk-based capital ratio | 37.0171% | 326 |
| Memoranda: | ||
| Average total assets | $372,632,000 | 1,760 |
| Average earning assets | $355,328,000 | 1,683 |
| Average equity | $57,741,670 | 1,161 |
| Average total loans | $249,495,670 | 1,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 5,720 |
| Cost of funding earning assets | 1.0553% | 3,811 |
| Net interest margin | 3.3377% | 5,651 |
| Noninterest income to average assets | 0.1964% | 6,316 |
| Noninterest expense to average assets | 2.4077% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6346% | 3,838 |
| Return on assets (ROA) | 0.6346% | 3,910 |
| Pretax return on assets | 0.9767% | 3,216 |
| Return on Equity (ROE) | 4.1030% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.1030% | 3,701 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1416% | 4,023 |
| Assets per employee ($millions) | 4.5903% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 7,095 |
| Loan loss allowance to noncurrent loans | 498.5423% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 6,897 |
| Noncurrent loans to loans | 0.1376% | 6,699 |
| Net loans and leases to total assets | 66.6036% | 2,855 |
| Net loans and leases to deposits | 79.6927% | 2,767 |
| Net loans and leases to core deposits | 81.3322% | 3,556 |
| Total domestic deposits to total assets | 83.5756% | 4,670 |
| Equity capital to assets | 15.5019% | 658 |
| Core capital (leverage) ratio | 15.2043% | 624 |
| Tier 1 risk-based capital ratio | 36.3468% | 319 |
| Total risk-based capital ratio | 37.5218% | 311 |
| Memoranda: | ||
| Average total assets | $370,637,500 | 1,783 |
| Average earning assets | $354,014,500 | 1,699 |
| Average equity | $57,324,500 | 1,158 |
| Average total loans | $249,962,000 | 1,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 5,966 |
| Cost of funding earning assets | 1.3235% | 3,730 |
| Net interest margin | 3.3228% | 5,900 |
| Noninterest income to average assets | 0.1952% | 6,380 |
| Noninterest expense to average assets | 2.3212% | 6,302 |
| Loan and lease loss provision to assets | 0.0533% | 6,618 |
| Net operating income to assets | 0.6555% | 3,415 |
| Return on assets (ROA) | 0.7023% | 3,348 |
| Pretax return on assets | 1.0630% | 2,720 |
| Return on Equity (ROE) | 4.7065% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.7065% | 2,606 |
| Net charge-offs to loans | 0.0023% | 6,833 |
| Credit loss provision to net charge-offs | 3,333.3333% | 63 |
| Earnings coverage of net charge-offs (x) | 653.5000% | 29 |
| Efficiency ratio | 68.9475% | 4,383 |
| Assets per employee ($millions) | 4.5056% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 7,155 |
| Loan loss allowance to noncurrent loans | 349.6933% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,870 |
| Noncurrent loans to loans | 0.1952% | 6,679 |
| Net loans and leases to total assets | 67.3582% | 3,137 |
| Net loans and leases to deposits | 80.4726% | 3,079 |
| Net loans and leases to core deposits | 82.0217% | 3,906 |
| Total domestic deposits to total assets | 83.7033% | 4,505 |
| Equity capital to assets | 15.4308% | 693 |
| Core capital (leverage) ratio | 15.1405% | 645 |
| Tier 1 risk-based capital ratio | 36.3625% | 311 |
| Total risk-based capital ratio | 37.5505% | 304 |
| Memoranda: | ||
| Average total assets | $375,068,400 | 1,758 |
| Average earning assets | $357,979,200 | 1,670 |
| Average equity | $55,965,000 | 1,185 |
| Average total loans | $258,161,400 | 1,716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 6,001 |
| Cost of funding earning assets | 1.3705% | 3,778 |
| Net interest margin | 3.3338% | 5,915 |
| Noninterest income to average assets | 0.1778% | 6,604 |
| Noninterest expense to average assets | 2.3027% | 6,319 |
| Loan and lease loss provision to assets | 0.0177% | 6,875 |
| Net operating income to assets | 0.7044% | 3,395 |
| Return on assets (ROA) | 0.7065% | 3,531 |
| Pretax return on assets | 1.0412% | 3,025 |
| Return on Equity (ROE) | 4.7752% | 4,415 |
| Retained earnings to average equity (ytd only) | 4.7752% | 3,144 |
| Net charge-offs to loans | 0.0031% | 6,640 |
| Credit loss provision to net charge-offs | 833.3333% | 358 |
| Earnings coverage of net charge-offs (x) | 496.8213% | 63 |
| Efficiency ratio | 68.5648% | 4,360 |
| Assets per employee ($millions) | 5.3428% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 7,333 |
| Loan loss allowance to noncurrent loans | 228.7390% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 6,882 |
| Noncurrent loans to loans | 0.2680% | 6,650 |
| Net loans and leases to total assets | 66.6760% | 3,534 |
| Net loans and leases to deposits | 79.3195% | 3,576 |
| Net loans and leases to core deposits | 80.8274% | 4,404 |
| Total domestic deposits to total assets | 84.0600% | 4,099 |
| Equity capital to assets | 15.0579% | 877 |
| Core capital (leverage) ratio | 14.6188% | 794 |
| Tier 1 risk-based capital ratio | 34.8827% | 354 |
| Total risk-based capital ratio | 35.9403% | 349 |
| Memoranda: | ||
| Average total assets | $376,470,000 | 1,774 |
| Average earning assets | $359,177,500 | 1,691 |
| Average equity | $55,703,500 | 1,194 |
| Average total loans | $260,058,500 | 1,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 6,022 |
| Cost of funding earning assets | 1.4083% | 3,822 |
| Net interest margin | 3.3280% | 5,915 |
| Noninterest income to average assets | 0.1752% | 6,648 |
| Noninterest expense to average assets | 2.3072% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7050% | 3,385 |
| Return on assets (ROA) | 0.7057% | 3,533 |
| Pretax return on assets | 1.0444% | 2,959 |
| Return on Equity (ROE) | 4.7980% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.7980% | 3,015 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8603% | 4,413 |
| Assets per employee ($millions) | 4.8876% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5793% | 7,439 |
| Loan loss allowance to noncurrent loans | 270.4100% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 6,970 |
| Noncurrent loans to loans | 0.2142% | 6,822 |
| Net loans and leases to total assets | 69.1797% | 3,090 |
| Net loans and leases to deposits | 82.1602% | 3,246 |
| Net loans and leases to core deposits | 83.5880% | 4,192 |
| Total domestic deposits to total assets | 84.2010% | 4,013 |
| Equity capital to assets | 14.9312% | 898 |
| Core capital (leverage) ratio | 14.5608% | 804 |
| Tier 1 risk-based capital ratio | 32.3631% | 412 |
| Total risk-based capital ratio | 33.3030% | 415 |
| Memoranda: | ||
| Average total assets | $375,512,670 | 1,785 |
| Average earning assets | $358,298,330 | 1,707 |
| Average equity | $55,231,000 | 1,196 |
| Average total loans | $261,914,670 | 1,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 6,189 |
| Cost of funding earning assets | 1.4313% | 3,983 |
| Net interest margin | 3.2849% | 6,028 |
| Noninterest income to average assets | 0.1781% | 6,683 |
| Noninterest expense to average assets | 2.2821% | 6,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6804% | 3,521 |
| Return on assets (ROA) | 0.6804% | 3,641 |
| Pretax return on assets | 1.0312% | 2,965 |
| Return on Equity (ROE) | 4.6612% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.6612% | 3,344 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8767% | 4,532 |
| Assets per employee ($millions) | 4.8031% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 7,525 |
| Loan loss allowance to noncurrent loans | 218.2734% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 6,968 |
| Noncurrent loans to loans | 0.2657% | 6,790 |
| Net loans and leases to total assets | 69.4076% | 3,068 |
| Net loans and leases to deposits | 82.1537% | 3,258 |
| Net loans and leases to core deposits | 83.4417% | 4,276 |
| Total domestic deposits to total assets | 84.4850% | 3,902 |
| Equity capital to assets | 14.6894% | 960 |
| Core capital (leverage) ratio | 14.3942% | 879 |
| Tier 1 risk-based capital ratio | 31.0272% | 473 |
| Total risk-based capital ratio | 31.9107% | 482 |
| Memoranda: | ||
| Average total assets | $375,096,000 | 1,828 |
| Average earning assets | $358,003,500 | 1,752 |
| Average equity | $54,750,000 | 1,220 |
| Average total loans | $261,936,000 | 1,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 6,468 |
| Cost of funding earning assets | 1.7873% | 4,057 |
| Net interest margin | 3.2020% | 6,087 |
| Noninterest income to average assets | 0.2124% | 6,588 |
| Noninterest expense to average assets | 2.6747% | 5,504 |
| Loan and lease loss provision to assets | 0.0268% | 7,246 |
| Net operating income to assets | 0.5274% | 3,618 |
| Return on assets (ROA) | -0.3460% | 6,014 |
| Pretax return on assets | -0.3634% | 5,888 |
| Return on Equity (ROE) | -2.4013% | 5,910 |
| Retained earnings to average equity (ytd only) | -2.4013% | 5,597 |
| Net charge-offs to loans | 0.0011% | 7,238 |
| Credit loss provision to net charge-offs | 3,333.3333% | 104 |
| Earnings coverage of net charge-offs (x) | 725.3333% | 34 |
| Efficiency ratio | 82.1111% | 2,581 |
| Assets per employee ($millions) | 4.8147% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 7,588 |
| Loan loss allowance to noncurrent loans | 277.8388% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 7,113 |
| Noncurrent loans to loans | 0.2081% | 6,906 |
| Net loans and leases to total assets | 69.4470% | 3,377 |
| Net loans and leases to deposits | 81.9567% | 3,623 |
| Net loans and leases to core deposits | 95.5239% | 4,509 |
| Total domestic deposits to total assets | 84.7361% | 3,691 |
| Equity capital to assets | 14.5034% | 1,023 |
| Core capital (leverage) ratio | 14.1942% | 950 |
| Tier 1 risk-based capital ratio | 30.6065% | 491 |
| Total risk-based capital ratio | 31.4832% | 497 |
| Memoranda: | ||
| Average total assets | $373,424,200 | 1,830 |
| Average earning assets | $355,124,600 | 1,760 |
| Average equity | $53,803,600 | 1,226 |
| Average total loans | $266,082,000 | 1,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 6,488 |
| Cost of funding earning assets | 1.8580% | 4,108 |
| Net interest margin | 3.1787% | 6,093 |
| Noninterest income to average assets | 0.2156% | 6,691 |
| Noninterest expense to average assets | 2.4378% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5270% | 3,874 |
| Return on assets (ROA) | 0.5270% | 3,964 |
| Pretax return on assets | 0.7984% | 3,547 |
| Return on Equity (ROE) | 3.6640% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.6640% | 3,239 |
| Net charge-offs to loans | 0.0015% | 6,974 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 744.3150% | 34 |
| Efficiency ratio | 75.3287% | 3,634 |
| Assets per employee ($millions) | 4.8562% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 7,662 |
| Loan loss allowance to noncurrent loans | 231.5359% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 7,125 |
| Noncurrent loans to loans | 0.2330% | 6,918 |
| Net loans and leases to total assets | 69.8751% | 3,550 |
| Net loans and leases to deposits | 82.8655% | 3,854 |
| Net loans and leases to core deposits | 97.0749% | 4,696 |
| Total domestic deposits to total assets | 84.3235% | 3,565 |
| Equity capital to assets | 14.5557% | 1,127 |
| Core capital (leverage) ratio | 14.3961% | 980 |
| Tier 1 risk-based capital ratio | 30.9839% | 517 |
| Total risk-based capital ratio | 31.8052% | 525 |
| Memoranda: | ||
| Average total assets | $372,893,500 | 1,844 |
| Average earning assets | $354,345,500 | 1,776 |
| Average equity | $53,637,750 | 1,247 |
| Average total loans | $267,021,750 | 1,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 6,459 |
| Cost of funding earning assets | 1.9288% | 4,117 |
| Net interest margin | 3.1653% | 6,044 |
| Noninterest income to average assets | 0.2153% | 6,761 |
| Noninterest expense to average assets | 2.4464% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5121% | 4,039 |
| Return on assets (ROA) | 0.5121% | 4,161 |
| Pretax return on assets | 0.7757% | 3,758 |
| Return on Equity (ROE) | 3.5748% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.5748% | 3,312 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9247% | 3,705 |
| Assets per employee ($millions) | 4.7117% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5349% | 7,749 |
| Loan loss allowance to noncurrent loans | 295.8333% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 7,241 |
| Noncurrent loans to loans | 0.1808% | 7,067 |
| Net loans and leases to total assets | 70.0570% | 3,696 |
| Net loans and leases to deposits | 82.8622% | 4,069 |
| Net loans and leases to core deposits | 96.8993% | 4,802 |
| Total domestic deposits to total assets | 84.5463% | 3,475 |
| Equity capital to assets | 14.2050% | 1,247 |
| Core capital (leverage) ratio | 14.0787% | 1,121 |
| Tier 1 risk-based capital ratio | 30.3623% | 582 |
| Total risk-based capital ratio | 31.1800% | 593 |
| Memoranda: | ||
| Average total assets | $372,548,000 | 1,869 |
| Average earning assets | $353,896,330 | 1,797 |
| Average equity | $53,374,330 | 1,266 |
| Average total loans | $268,462,000 | 1,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 6,428 |
| Cost of funding earning assets | 2.0045% | 4,104 |
| Net interest margin | 3.1602% | 5,985 |
| Noninterest income to average assets | 0.2117% | 6,780 |
| Noninterest expense to average assets | 2.3729% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5562% | 4,195 |
| Return on assets (ROA) | 0.5562% | 4,378 |
| Pretax return on assets | 0.8424% | 3,915 |
| Return on Equity (ROE) | 3.8657% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.8657% | 3,739 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7991% | 3,861 |
| Assets per employee ($millions) | 4.8398% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 7,778 |
| Loan loss allowance to noncurrent loans | 316.2584% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 7,184 |
| Noncurrent loans to loans | 0.1676% | 7,044 |
| Net loans and leases to total assets | 71.4877% | 3,358 |
| Net loans and leases to deposits | 84.6660% | 3,871 |
| Net loans and leases to core deposits | 99.6685% | 4,572 |
| Total domestic deposits to total assets | 84.4349% | 3,496 |
| Equity capital to assets | 14.3294% | 1,274 |
| Core capital (leverage) ratio | 14.1336% | 1,162 |
| Tier 1 risk-based capital ratio | 30.1956% | 611 |
| Total risk-based capital ratio | 31.0162% | 617 |
| Memoranda: | ||
| Average total assets | $370,352,500 | 1,882 |
| Average earning assets | $352,001,500 | 1,821 |
| Average equity | $53,289,500 | 1,272 |
| Average total loans | $269,947,000 | 1,838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 7,376 |
| Cost of funding earning assets | 2.4629% | 4,408 |
| Net interest margin | 2.9998% | 6,921 |
| Noninterest income to average assets | 0.2275% | 6,808 |
| Noninterest expense to average assets | 2.2945% | 6,720 |
| Loan and lease loss provision to assets | 0.0027% | 7,317 |
| Net operating income to assets | 0.5239% | 4,635 |
| Return on assets (ROA) | 0.5200% | 4,501 |
| Pretax return on assets | 0.7757% | 4,155 |
| Return on Equity (ROE) | 3.6314% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.6314% | 2,890 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5262% | 3,489 |
| Assets per employee ($millions) | 4.7797% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5219% | 7,814 |
| Loan loss allowance to noncurrent loans | 825.5814% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 7,325 |
| Noncurrent loans to loans | 0.0632% | 7,250 |
| Net loans and leases to total assets | 73.5367% | 3,221 |
| Net loans and leases to deposits | 86.8989% | 3,972 |
| Net loans and leases to core deposits | 102.1059% | 4,595 |
| Total domestic deposits to total assets | 84.6233% | 3,016 |
| Equity capital to assets | 14.4491% | 1,312 |
| Core capital (leverage) ratio | 14.2420% | 1,210 |
| Tier 1 risk-based capital ratio | 31.3556% | 577 |
| Total risk-based capital ratio | 32.2122% | 586 |
| Memoranda: | ||
| Average total assets | $371,937,800 | 1,808 |
| Average earning assets | $353,527,600 | 1,750 |
| Average equity | $53,257,200 | 1,266 |
| Average total loans | $272,034,200 | 1,759 |