Home > First Chatham Bank > Performance and Condition Ratios
First Chatham 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 | 6.5181% | 342 |
| Cost of funding earning assets | 0.8125% | 3,702 |
| Net interest margin | 5.7056% | 148 |
| Noninterest income to average assets | 1.7200% | 319 |
| Noninterest expense to average assets | 3.9027% | 395 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.0766% | 415 |
| Return on assets (ROA) | 2.0765% | 403 |
| Pretax return on assets | 2.8444% | 239 |
| Return on Equity (ROE) | 21.1800% | 527 |
| Retained earnings to average equity (ytd only) | 20.4809% | 124 |
| Net charge-offs to loans | 0.0130% | 2,168 |
| Credit loss provision to net charge-offs | 2,325.5814% | 203 |
| Earnings coverage of net charge-offs (x) | 406.5349% | 348 |
| Efficiency ratio | 56.3989% | 3,459 |
| Assets per employee ($millions) | 5.3267% | 3,371 |
| Cash dividends to net income (ytd only)* | 3.2998% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 522 |
| Loan loss allowance to noncurrent loans | 79.5792% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 198 |
| Noncurrent loans to loans | 2.2917% | 227 |
| Net loans and leases to total assets | 58.7500% | 2,973 |
| Net loans and leases to deposits | 66.9264% | 3,113 |
| Net loans and leases to core deposits | 70.6830% | 3,266 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 11.0733% | 1,438 |
| Core capital (leverage) ratio | 11.8658% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4493% | 736 |
| Memoranda: | ||
| Average total assets | $579,388,600 | 1,528 |
| Average earning assets | $528,254,400 | 1,554 |
| Average equity | $56,804,200 | 1,450 |
| Average total loans | $331,688,200 | 1,677 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3915% | 343 |
| Cost of funding earning assets | 0.7134% | 3,738 |
| Net interest margin | 5.6781% | 147 |
| Noninterest income to average assets | 1.7100% | 342 |
| Noninterest expense to average assets | 4.0193% | 355 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.9587% | 530 |
| Return on assets (ROA) | 1.9583% | 521 |
| Pretax return on assets | 2.6826% | 319 |
| Return on Equity (ROE) | 20.6400% | 662 |
| Retained earnings to average equity (ytd only) | 19.6753% | 270 |
| Net charge-offs to loans | -0.0028% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2709% | 3,173 |
| Assets per employee ($millions) | 5.1516% | 3,475 |
| Cash dividends to net income (ytd only)* | 4.6569% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 525 |
| Loan loss allowance to noncurrent loans | 96.5614% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4863% | 252 |
| Noncurrent loans to loans | 1.9118% | 332 |
| Net loans and leases to total assets | 57.4400% | 3,080 |
| Net loans and leases to deposits | 64.6948% | 3,214 |
| Net loans and leases to core deposits | 67.7922% | 3,340 |
| Total domestic deposits to total assets | 88.7900% | 1,320 |
| Equity capital to assets | 10.1917% | 1,711 |
| Core capital (leverage) ratio | 11.2629% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1932% | 795 |
| Memoranda: | ||
| Average total assets | $580,414,000 | 1,526 |
| Average earning assets | $529,880,000 | 1,549 |
| Average equity | $55,079,500 | 1,475 |
| Average total loans | $328,549,000 | 1,690 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 321 |
| Cost of funding earning assets | 0.6158% | 3,709 |
| Net interest margin | 5.6635% | 139 |
| Noninterest income to average assets | 2.0300% | 236 |
| Noninterest expense to average assets | 4.0437% | 329 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 2.1148% | 395 |
| Return on assets (ROA) | 2.1143% | 390 |
| Pretax return on assets | 2.8961% | 227 |
| Return on Equity (ROE) | 22.8300% | 495 |
| Retained earnings to average equity (ytd only) | 21.3615% | 206 |
| Net charge-offs to loans | -0.0067% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.1812% | 3,398 |
| Assets per employee ($millions) | 5.2225% | 3,390 |
| Cash dividends to net income (ytd only)* | 6.4385% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 546 |
| Loan loss allowance to noncurrent loans | 427.1067% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 903 |
| Noncurrent loans to loans | 0.4330% | 1,636 |
| Net loans and leases to total assets | 54.7000% | 3,218 |
| Net loans and leases to deposits | 61.2762% | 3,348 |
| Net loans and leases to core deposits | 64.0197% | 3,449 |
| Total domestic deposits to total assets | 89.2700% | 1,153 |
| Equity capital to assets | 9.6852% | 2,041 |
| Core capital (leverage) ratio | 10.7393% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5029% | 885 |
| Memoranda: | ||
| Average total assets | $583,275,667 | 1,522 |
| Average earning assets | $532,324,333 | 1,547 |
| Average equity | $54,013,000 | 1,505 |
| Average total loans | $326,513,667 | 1,684 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1187% | 267 |
| Cost of funding earning assets | 0.5088% | 3,656 |
| Net interest margin | 5.6099% | 133 |
| Noninterest income to average assets | 1.8000% | 263 |
| Noninterest expense to average assets | 3.8424% | 396 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.0859% | 440 |
| Return on assets (ROA) | 2.0854% | 433 |
| Pretax return on assets | 2.8566% | 234 |
| Return on Equity (ROE) | 23.0600% | 505 |
| Retained earnings to average equity (ytd only) | 21.5707% | 303 |
| Net charge-offs to loans | 0.0037% | 1,866 |
| Credit loss provision to net charge-offs | 10,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 1,480.6667% | 59 |
| Efficiency ratio | 55.6332% | 3,442 |
| Assets per employee ($millions) | 4.9544% | 3,693 |
| Cash dividends to net income (ytd only)* | 6.4505% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 813 |
| Loan loss allowance to noncurrent loans | 352.6679% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 771 |
| Noncurrent loans to loans | 0.4816% | 1,509 |
| Net loans and leases to total assets | 57.0700% | 2,948 |
| Net loans and leases to deposits | 63.6463% | 3,117 |
| Net loans and leases to core deposits | 65.5716% | 3,260 |
| Total domestic deposits to total assets | 89.6700% | 1,272 |
| Equity capital to assets | 9.5186% | 2,128 |
| Core capital (leverage) ratio | 10.1812% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9924% | 993 |
| Memoranda: | ||
| Average total assets | $579,843,500 | 1,554 |
| Average earning assets | $528,278,500 | 1,574 |
| Average equity | $52,441,500 | 1,550 |
| Average total loans | $325,319,500 | 1,702 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 1,414 |
| Cost of funding earning assets | 0.2418% | 3,398 |
| Net interest margin | 3.8843% | 990 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 3.7782% | 393 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.1595% | 1,937 |
| Return on assets (ROA) | 1.1578% | 1,881 |
| Pretax return on assets | 1.5806% | 1,214 |
| Return on Equity (ROE) | 14.4100% | 1,432 |
| Retained earnings to average equity (ytd only) | 13.6011% | 439 |
| Net charge-offs to loans | 0.0764% | 883 |
| Credit loss provision to net charge-offs | 468.0851% | 712 |
| Earnings coverage of net charge-offs (x) | 45.4553% | 1,428 |
| Efficiency ratio | 68.1657% | 1,940 |
| Assets per employee ($millions) | 5.4122% | 3,302 |
| Cash dividends to net income (ytd only)* | 5.6213% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 767 |
| Loan loss allowance to noncurrent loans | 206.8386% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 429 |
| Noncurrent loans to loans | 0.8366% | 892 |
| Net loans and leases to total assets | 53.2800% | 3,256 |
| Net loans and leases to deposits | 58.8252% | 3,407 |
| Net loans and leases to core deposits | 60.1105% | 3,499 |
| Total domestic deposits to total assets | 90.5800% | 1,120 |
| Equity capital to assets | 8.5858% | 2,643 |
| Core capital (leverage) ratio | 9.2214% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1959% | 1,097 |
| Memoranda: | ||
| Average total assets | $605,394,200 | 1,465 |
| Average earning assets | $556,339,800 | 1,491 |
| Average equity | $48,635,600 | 1,658 |
| Average total loans | $307,648,600 | 1,689 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 2,133 |
| Cost of funding earning assets | 0.2246% | 2,992 |
| Net interest margin | 3.4448% | 1,822 |
| Noninterest income to average assets | 2.0100% | 266 |
| Noninterest expense to average assets | 3.6798% | 410 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9877% | 2,519 |
| Return on assets (ROA) | 0.9854% | 2,501 |
| Pretax return on assets | 1.3500% | 1,886 |
| Return on Equity (ROE) | 12.4700% | 1,882 |
| Retained earnings to average equity (ytd only) | 12.4737% | 699 |
| Net charge-offs to loans | 0.0639% | 850 |
| Credit loss provision to net charge-offs | 445.2055% | 659 |
| Earnings coverage of net charge-offs (x) | 46.7945% | 1,318 |
| Efficiency ratio | 71.1084% | 1,627 |
| Assets per employee ($millions) | 5.4768% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 1,018 |
| Loan loss allowance to noncurrent loans | 197.4809% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 466 |
| Noncurrent loans to loans | 0.8243% | 963 |
| Net loans and leases to total assets | 51.4300% | 3,346 |
| Net loans and leases to deposits | 55.8700% | 3,490 |
| Net loans and leases to core deposits | 56.9668% | 3,565 |
| Total domestic deposits to total assets | 92.0600% | 859 |
| Equity capital to assets | 7.8842% | 2,969 |
| Core capital (leverage) ratio | 8.4973% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7220% | 1,231 |
| Memoranda: | ||
| Average total assets | $609,260,250 | 1,467 |
| Average earning assets | $560,447,250 | 1,482 |
| Average equity | $48,132,000 | 1,691 |
| Average total loans | $304,593,750 | 1,693 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2509% | 2,895 |
| Cost of funding earning assets | 0.2221% | 2,623 |
| Net interest margin | 3.0288% | 2,800 |
| Noninterest income to average assets | 1.7996% | 265 |
| Noninterest expense to average assets | 3.5286% | 433 |
| Loan and lease loss provision to assets | 0.1148% | 875 |
| Net operating income to assets | 0.6820% | 3,371 |
| Return on assets (ROA) | 0.6797% | 3,334 |
| Pretax return on assets | 0.9309% | 2,962 |
| Return on Equity (ROE) | 8.5976% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.5976% | 1,400 |
| Net charge-offs to loans | 0.0173% | 1,398 |
| Credit loss provision to net charge-offs | 1,346.1538% | 332 |
| Earnings coverage of net charge-offs (x) | 122.9615% | 726 |
| Efficiency ratio | 77.0890% | 1,167 |
| Assets per employee ($millions) | 6.0582% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,224 |
| Loan loss allowance to noncurrent loans | 179.8991% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 497 |
| Noncurrent loans to loans | 0.8712% | 976 |
| Net loans and leases to total assets | 50.2624% | 3,343 |
| Net loans and leases to deposits | 54.4100% | 3,511 |
| Net loans and leases to core deposits | 55.8429% | 3,579 |
| Total domestic deposits to total assets | 92.3772% | 698 |
| Equity capital to assets | 7.5749% | 3,420 |
| Core capital (leverage) ratio | 8.1633% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9713% | 1,439 |
| Memoranda: | ||
| Average total assets | $609,705,000 | 1,477 |
| Average earning assets | $559,162,333 | 1,495 |
| Average equity | $48,199,333 | 1,725 |
| Average total loans | $300,175,667 | 1,702 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9322% | 3,447 |
| Cost of funding earning assets | 0.2234% | 2,479 |
| Net interest margin | 2.7089% | 3,380 |
| Noninterest income to average assets | 2.1541% | 215 |
| Noninterest expense to average assets | 3.5840% | 394 |
| Loan and lease loss provision to assets | 0.0664% | 1,231 |
| Net operating income to assets | 0.7180% | 2,990 |
| Return on assets (ROA) | 0.7143% | 2,992 |
| Pretax return on assets | 0.9785% | 2,508 |
| Return on Equity (ROE) | 8.8440% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.8440% | 1,311 |
| Net charge-offs to loans | -0.0110% | 3,624 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3496% | 1,365 |
| Assets per employee ($millions) | 5.7725% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,262 |
| Loan loss allowance to noncurrent loans | 197.4380% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 455 |
| Noncurrent loans to loans | 0.8122% | 1,165 |
| Net loans and leases to total assets | 48.8341% | 3,301 |
| Net loans and leases to deposits | 53.1703% | 3,480 |
| Net loans and leases to core deposits | 54.9256% | 3,532 |
| Total domestic deposits to total assets | 91.8446% | 638 |
| Equity capital to assets | 7.9916% | 3,578 |
| Core capital (leverage) ratio | 8.2561% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1919% | 1,462 |
| Memoranda: | ||
| Average total assets | $602,559,000 | 1,495 |
| Average earning assets | $551,523,000 | 1,527 |
| Average equity | $48,665,500 | 1,770 |
| Average total loans | $290,948,500 | 1,737 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 2,796 |
| Cost of funding earning assets | 0.2836% | 2,565 |
| Net interest margin | 3.1673% | 2,689 |
| Noninterest income to average assets | 4.5580% | 119 |
| Noninterest expense to average assets | 4.5762% | 206 |
| Loan and lease loss provision to assets | 0.4270% | 148 |
| Net operating income to assets | 1.8380% | 467 |
| Return on assets (ROA) | 1.8951% | 440 |
| Pretax return on assets | 2.4931% | 259 |
| Return on Equity (ROE) | 22.1924% | 210 |
| Retained earnings to average equity (ytd only) | 17.6344% | 103 |
| Net charge-offs to loans | 0.3906% | 215 |
| Credit loss provision to net charge-offs | 196.5066% | 1,315 |
| Earnings coverage of net charge-offs (x) | 13.1057% | 2,088 |
| Efficiency ratio | 61.6411% | 2,916 |
| Assets per employee ($millions) | 5.8152% | 2,935 |
| Cash dividends to net income (ytd only)* | 20.5388% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,165 |
| Loan loss allowance to noncurrent loans | 181.2185% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0840% | 485 |
| Noncurrent loans to loans | 0.9076% | 1,117 |
| Net loans and leases to total assets | 46.1787% | 3,675 |
| Net loans and leases to deposits | 50.3705% | 3,857 |
| Net loans and leases to core deposits | 51.8604% | 3,901 |
| Total domestic deposits to total assets | 91.6779% | 272 |
| Equity capital to assets | 8.1607% | 4,267 |
| Core capital (leverage) ratio | 8.4470% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3256% | 1,428 |
| Memoranda: | ||
| Average total assets | $526,944,000 | 1,632 |
| Average earning assets | $476,806,200 | 1,671 |
| Average equity | $44,997,400 | 1,920 |
| Average total loans | $293,159,000 | 1,731 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 2,746 |
| Cost of funding earning assets | 0.3002% | 2,593 |
| Net interest margin | 3.2304% | 2,632 |
| Noninterest income to average assets | 4.8717% | 116 |
| Noninterest expense to average assets | 4.7906% | 192 |
| Loan and lease loss provision to assets | 0.5911% | 87 |
| Net operating income to assets | 1.7509% | 741 |
| Return on assets (ROA) | 1.8144% | 674 |
| Pretax return on assets | 2.4857% | 343 |
| Return on Equity (ROE) | 20.9705% | 361 |
| Retained earnings to average equity (ytd only) | 14.7425% | 431 |
| Net charge-offs to loans | 0.6927% | 113 |
| Credit loss provision to net charge-offs | 146.5798% | 1,369 |
| Earnings coverage of net charge-offs (x) | 7.4300% | 2,136 |
| Efficiency ratio | 61.5203% | 2,764 |
| Assets per employee ($millions) | 5.3684% | 3,327 |
| Cash dividends to net income (ytd only)* | 29.6988% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,907 |
| Loan loss allowance to noncurrent loans | 117.9063% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 369 |
| Noncurrent loans to loans | 1.2103% | 921 |
| Net loans and leases to total assets | 54.5280% | 2,904 |
| Net loans and leases to deposits | 59.7587% | 3,254 |
| Net loans and leases to core deposits | 61.7237% | 3,346 |
| Total domestic deposits to total assets | 91.2470% | 299 |
| Equity capital to assets | 8.5744% | 4,159 |
| Core capital (leverage) ratio | 8.3043% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6242% | 1,753 |
| Memoranda: | ||
| Average total assets | $507,485,750 | 1,700 |
| Average earning assets | $457,971,250 | 1,737 |
| Average equity | $43,908,250 | 1,976 |
| Average total loans | $295,461,750 | 1,759 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 2,444 |
| Cost of funding earning assets | 0.3173% | 2,617 |
| Net interest margin | 3.3420% | 2,323 |
| Noninterest income to average assets | 4.4080% | 128 |
| Noninterest expense to average assets | 4.6085% | 206 |
| Loan and lease loss provision to assets | 0.6453% | 69 |
| Net operating income to assets | 1.5712% | 1,114 |
| Return on assets (ROA) | 1.6225% | 1,057 |
| Pretax return on assets | 2.2222% | 555 |
| Return on Equity (ROE) | 18.6911% | 573 |
| Retained earnings to average equity (ytd only) | 9.1620% | 1,662 |
| Net charge-offs to loans | 0.7776% | 106 |
| Credit loss provision to net charge-offs | 139.9825% | 1,189 |
| Earnings coverage of net charge-offs (x) | 6.0796% | 1,973 |
| Efficiency ratio | 62.1844% | 2,705 |
| Assets per employee ($millions) | 5.2865% | 3,363 |
| Cash dividends to net income (ytd only)* | 50.9819% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,222 |
| Loan loss allowance to noncurrent loans | 117.9472% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 419 |
| Noncurrent loans to loans | 1.1393% | 1,062 |
| Net loans and leases to total assets | 55.8562% | 2,917 |
| Net loans and leases to deposits | 60.9644% | 3,304 |
| Net loans and leases to core deposits | 62.9909% | 3,379 |
| Total domestic deposits to total assets | 91.6210% | 211 |
| Equity capital to assets | 8.2632% | 4,386 |
| Core capital (leverage) ratio | 7.9119% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4616% | 2,186 |
| Memoranda: | ||
| Average total assets | $495,913,000 | 1,724 |
| Average earning assets | $445,599,000 | 1,772 |
| Average equity | $43,047,333 | 1,992 |
| Average total loans | $293,971,333 | 1,768 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 1,999 |
| Cost of funding earning assets | 0.3373% | 2,647 |
| Net interest margin | 3.4967% | 1,834 |
| Noninterest income to average assets | 3.9896% | 149 |
| Noninterest expense to average assets | 4.0146% | 280 |
| Loan and lease loss provision to assets | 0.9175% | 47 |
| Net operating income to assets | 1.5949% | 1,140 |
| Return on assets (ROA) | 1.6299% | 1,118 |
| Pretax return on assets | 2.2321% | 652 |
| Return on Equity (ROE) | 18.2918% | 694 |
| Retained earnings to average equity (ytd only) | 18.2918% | 352 |
| Net charge-offs to loans | 0.8678% | 91 |
| Credit loss provision to net charge-offs | 174.0506% | 937 |
| Earnings coverage of net charge-offs (x) | 5.8908% | 1,666 |
| Efficiency ratio | 56.3847% | 3,504 |
| Assets per employee ($millions) | 5.2272% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,135 |
| Loan loss allowance to noncurrent loans | 105.7420% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 298 |
| Noncurrent loans to loans | 1.2886% | 1,008 |
| Net loans and leases to total assets | 58.7917% | 2,709 |
| Net loans and leases to deposits | 64.4749% | 3,082 |
| Net loans and leases to core deposits | 66.5248% | 3,198 |
| Total domestic deposits to total assets | 91.1854% | 335 |
| Equity capital to assets | 8.7460% | 3,918 |
| Core capital (leverage) ratio | 8.4254% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0524% | 1,883 |
| Memoranda: | ||
| Average total assets | $479,547,000 | 1,749 |
| Average earning assets | $429,313,000 | 1,809 |
| Average equity | $42,729,500 | 1,997 |
| Average total loans | $291,305,500 | 1,784 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 1,889 |
| Cost of funding earning assets | 0.4374% | 3,363 |
| Net interest margin | 3.8548% | 1,343 |
| Noninterest income to average assets | 1.9823% | 336 |
| Noninterest expense to average assets | 4.0969% | 346 |
| Loan and lease loss provision to assets | 0.3407% | 1,030 |
| Net operating income to assets | 0.7191% | 3,366 |
| Return on assets (ROA) | 0.7630% | 3,352 |
| Pretax return on assets | 0.9796% | 3,107 |
| Return on Equity (ROE) | 7.9513% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.9513% | 1,066 |
| Net charge-offs to loans | 0.3348% | 527 |
| Credit loss provision to net charge-offs | 154.2703% | 2,395 |
| Earnings coverage of net charge-offs (x) | 5.7265% | 2,845 |
| Efficiency ratio | 76.4127% | 1,178 |
| Assets per employee ($millions) | 5.1967% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,727 |
| Loan loss allowance to noncurrent loans | 103.5134% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.9930% | 283 |
| Noncurrent loans to loans | 1.2016% | 1,167 |
| Net loans and leases to total assets | 61.2015% | 2,705 |
| Net loans and leases to deposits | 67.3870% | 3,146 |
| Net loans and leases to core deposits | 69.6957% | 3,273 |
| Total domestic deposits to total assets | 90.8210% | 272 |
| Equity capital to assets | 9.0869% | 3,983 |
| Core capital (leverage) ratio | 8.1932% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0769% | 2,208 |
| Memoranda: | ||
| Average total assets | $418,856,400 | 1,802 |
| Average earning assets | $367,181,600 | 1,882 |
| Average equity | $40,194,800 | 2,016 |
| Average total loans | $276,284,600 | 1,794 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 1,594 |
| Cost of funding earning assets | 0.4610% | 3,463 |
| Net interest margin | 4.0288% | 1,056 |
| Noninterest income to average assets | 2.5127% | 236 |
| Noninterest expense to average assets | 4.2864% | 301 |
| Loan and lease loss provision to assets | 0.4582% | 692 |
| Net operating income to assets | 0.9317% | 2,591 |
| Return on assets (ROA) | 0.9782% | 2,559 |
| Pretax return on assets | 1.3400% | 1,906 |
| Return on Equity (ROE) | 10.0426% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.0426% | 755 |
| Net charge-offs to loans | 0.4915% | 304 |
| Credit loss provision to net charge-offs | 138.9495% | 2,391 |
| Earnings coverage of net charge-offs (x) | 5.2745% | 2,745 |
| Efficiency ratio | 71.1341% | 1,738 |
| Assets per employee ($millions) | 4.8611% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,051 |
| Loan loss allowance to noncurrent loans | 99.0258% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 232 |
| Noncurrent loans to loans | 1.1386% | 1,334 |
| Net loans and leases to total assets | 68.5118% | 2,172 |
| Net loans and leases to deposits | 75.8201% | 2,767 |
| Net loans and leases to core deposits | 78.6415% | 2,954 |
| Total domestic deposits to total assets | 90.3610% | 317 |
| Equity capital to assets | 9.4649% | 3,708 |
| Core capital (leverage) ratio | 8.4110% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9893% | 2,209 |
| Memoranda: | ||
| Average total assets | $407,943,000 | 1,815 |
| Average earning assets | $355,726,250 | 1,899 |
| Average equity | $39,736,500 | 2,025 |
| Average total loans | $273,698,750 | 1,802 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 1,241 |
| Cost of funding earning assets | 0.4876% | 3,608 |
| Net interest margin | 4.2815% | 785 |
| Noninterest income to average assets | 1.7802% | 348 |
| Noninterest expense to average assets | 4.2137% | 324 |
| Loan and lease loss provision to assets | 0.3138% | 1,372 |
| Net operating income to assets | 0.7017% | 3,387 |
| Return on assets (ROA) | 0.7395% | 3,368 |
| Pretax return on assets | 1.0129% | 2,985 |
| Return on Equity (ROE) | 7.5130% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.5130% | 1,458 |
| Net charge-offs to loans | 0.2892% | 550 |
| Credit loss provision to net charge-offs | 163.6842% | 2,064 |
| Earnings coverage of net charge-offs (x) | 6.6711% | 2,423 |
| Efficiency ratio | 76.7175% | 1,192 |
| Assets per employee ($millions) | 4.9336% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,832 |
| Loan loss allowance to noncurrent loans | 79.0481% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.5908% | 105 |
| Noncurrent loans to loans | 1.4407% | 1,063 |
| Net loans and leases to total assets | 66.0819% | 2,618 |
| Net loans and leases to deposits | 72.8847% | 3,171 |
| Net loans and leases to core deposits | 75.5974% | 3,316 |
| Total domestic deposits to total assets | 90.6664% | 230 |
| Equity capital to assets | 9.2777% | 3,853 |
| Core capital (leverage) ratio | 8.4322% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5422% | 2,379 |
| Memoranda: | ||
| Average total assets | $396,471,000 | 1,821 |
| Average earning assets | $343,755,333 | 1,926 |
| Average equity | $39,025,667 | 2,037 |
| Average total loans | $262,757,000 | 1,833 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 1,512 |
| Cost of funding earning assets | 0.5365% | 3,763 |
| Net interest margin | 4.2309% | 864 |
| Noninterest income to average assets | 1.5560% | 371 |
| Noninterest expense to average assets | 4.6734% | 265 |
| Loan and lease loss provision to assets | 0.2669% | 1,165 |
| Net operating income to assets | 0.1852% | 4,546 |
| Return on assets (ROA) | 0.2246% | 4,506 |
| Pretax return on assets | 0.3072% | 4,443 |
| Return on Equity (ROE) | 2.2084% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.2084% | 3,367 |
| Net charge-offs to loans | 0.1703% | 777 |
| Credit loss provision to net charge-offs | 237.7358% | 1,319 |
| Earnings coverage of net charge-offs (x) | 4.6698% | 2,120 |
| Efficiency ratio | 89.9124% | 503 |
| Assets per employee ($millions) | 4.1454% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,187 |
| Loan loss allowance to noncurrent loans | 69.7306% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 4.4922% | 85 |
| Noncurrent loans to loans | 1.8495% | 803 |
| Net loans and leases to total assets | 65.1079% | 2,929 |
| Net loans and leases to deposits | 72.5527% | 3,398 |
| Net loans and leases to core deposits | 75.5806% | 3,520 |
| Total domestic deposits to total assets | 89.7387% | 400 |
| Equity capital to assets | 10.2430% | 3,565 |
| Core capital (leverage) ratio | 8.8692% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9271% | 2,745 |
| Memoranda: | ||
| Average total assets | $377,626,000 | 1,858 |
| Average earning assets | $325,041,000 | 1,953 |
| Average equity | $38,398,500 | 2,047 |
| Average total loans | $249,032,000 | 1,865 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 1,615 |
| Cost of funding earning assets | 0.5306% | 3,968 |
| Net interest margin | 4.4177% | 863 |
| Noninterest income to average assets | 1.1102% | 776 |
| Noninterest expense to average assets | 4.1646% | 438 |
| Loan and lease loss provision to assets | 0.1436% | 1,485 |
| Net operating income to assets | 0.6136% | 4,117 |
| Return on assets (ROA) | 0.6171% | 4,172 |
| Pretax return on assets | 0.5652% | 4,469 |
| Return on Equity (ROE) | 6.1743% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.1743% | 1,779 |
| Net charge-offs to loans | 0.0610% | 2,232 |
| Credit loss provision to net charge-offs | 367.3469% | 757 |
| Earnings coverage of net charge-offs (x) | 18.0408% | 2,078 |
| Efficiency ratio | 85.5161% | 567 |
| Assets per employee ($millions) | 4.2474% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,289 |
| Loan loss allowance to noncurrent loans | 42.9955% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 4.3691% | 81 |
| Noncurrent loans to loans | 2.8582% | 341 |
| Net loans and leases to total assets | 65.1247% | 3,054 |
| Net loans and leases to deposits | 72.4959% | 3,475 |
| Net loans and leases to core deposits | 75.1259% | 3,641 |
| Total domestic deposits to total assets | 89.8322% | 377 |
| Equity capital to assets | 10.0940% | 3,840 |
| Core capital (leverage) ratio | 8.8319% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9219% | 4,407 |
| Total risk-based capital ratio | 13.0424% | 4,353 |
| Memoranda: | ||
| Average total assets | $375,980,800 | 1,820 |
| Average earning assets | $319,985,200 | 1,922 |
| Average equity | $37,575,200 | 2,026 |
| Average total loans | $241,011,600 | 1,882 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 1,498 |
| Cost of funding earning assets | 0.5242% | 4,053 |
| Net interest margin | 4.4892% | 786 |
| Noninterest income to average assets | 1.5994% | 364 |
| Noninterest expense to average assets | 4.1841% | 422 |
| Loan and lease loss provision to assets | 0.1918% | 934 |
| Net operating income to assets | 1.0408% | 2,815 |
| Return on assets (ROA) | 1.0383% | 2,912 |
| Pretax return on assets | 1.0284% | 3,501 |
| Return on Equity (ROE) | 10.4157% | 2,246 |
| Retained earnings to average equity (ytd only) | 10.4157% | 649 |
| Net charge-offs to loans | 0.1780% | 954 |
| Credit loss provision to net charge-offs | 169.2790% | 1,495 |
| Earnings coverage of net charge-offs (x) | 10.7932% | 2,478 |
| Efficiency ratio | 77.3874% | 1,168 |
| Assets per employee ($millions) | 4.3851% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,394 |
| Loan loss allowance to noncurrent loans | 41.3118% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 4.9188% | 76 |
| Noncurrent loans to loans | 2.9562% | 341 |
| Net loans and leases to total assets | 62.0045% | 3,495 |
| Net loans and leases to deposits | 69.1878% | 3,820 |
| Net loans and leases to core deposits | 71.5321% | 3,975 |
| Total domestic deposits to total assets | 89.6177% | 410 |
| Equity capital to assets | 10.3123% | 3,702 |
| Core capital (leverage) ratio | 8.7898% | 4,783 |
| Tier 1 risk-based capital ratio | 12.3409% | 4,241 |
| Total risk-based capital ratio | 13.4291% | 4,211 |
| Memoranda: | ||
| Average total assets | $375,471,500 | 1,836 |
| Average earning assets | $318,446,000 | 1,939 |
| Average equity | $37,429,750 | 2,044 |
| Average total loans | $238,953,000 | 1,903 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 1,546 |
| Cost of funding earning assets | 0.5099% | 4,073 |
| Net interest margin | 4.4653% | 829 |
| Noninterest income to average assets | 1.9092% | 286 |
| Noninterest expense to average assets | 4.1577% | 437 |
| Loan and lease loss provision to assets | 0.1334% | 1,397 |
| Net operating income to assets | 1.4462% | 1,305 |
| Return on assets (ROA) | 1.4435% | 1,362 |
| Pretax return on assets | 1.3944% | 2,224 |
| Return on Equity (ROE) | 14.6496% | 842 |
| Retained earnings to average equity (ytd only) | 14.6496% | 189 |
| Net charge-offs to loans | 0.0317% | 2,221 |
| Credit loss provision to net charge-offs | 657.8947% | 491 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 849 |
| Efficiency ratio | 73.0939% | 1,760 |
| Assets per employee ($millions) | 4.7231% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,456 |
| Loan loss allowance to noncurrent loans | 42.3637% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 5.3086% | 70 |
| Noncurrent loans to loans | 2.8634% | 370 |
| Net loans and leases to total assets | 58.4620% | 3,869 |
| Net loans and leases to deposits | 64.7366% | 4,184 |
| Net loans and leases to core deposits | 66.6797% | 4,283 |
| Total domestic deposits to total assets | 90.3075% | 237 |
| Equity capital to assets | 9.6614% | 4,263 |
| Core capital (leverage) ratio | 8.8612% | 4,747 |
| Tier 1 risk-based capital ratio | 12.0314% | 4,398 |
| Total risk-based capital ratio | 13.0981% | 4,385 |
| Memoranda: | ||
| Average total assets | $374,921,670 | 1,847 |
| Average earning assets | $317,288,670 | 1,955 |
| Average equity | $36,943,000 | 2,062 |
| Average total loans | $239,696,330 | 1,900 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 1,016 |
| Cost of funding earning assets | 0.5140% | 4,001 |
| Net interest margin | 4.6300% | 571 |
| Noninterest income to average assets | 2.1280% | 228 |
| Noninterest expense to average assets | 4.2262% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3197% | 1,629 |
| Return on assets (ROA) | 1.3162% | 1,683 |
| Pretax return on assets | 1.8028% | 977 |
| Return on Equity (ROE) | 13.2145% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.2145% | 437 |
| Net charge-offs to loans | 0.0066% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 408.5000% | 189 |
| Efficiency ratio | 70.0458% | 2,331 |
| Assets per employee ($millions) | 4.4434% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,035 |
| Loan loss allowance to noncurrent loans | 41.9116% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 5.9134% | 51 |
| Noncurrent loans to loans | 2.6638% | 467 |
| Net loans and leases to total assets | 65.6060% | 3,105 |
| Net loans and leases to deposits | 73.1069% | 3,522 |
| Net loans and leases to core deposits | 75.3661% | 3,701 |
| Total domestic deposits to total assets | 89.7398% | 547 |
| Equity capital to assets | 10.2330% | 3,590 |
| Core capital (leverage) ratio | 8.9671% | 4,677 |
| Tier 1 risk-based capital ratio | 11.7530% | 4,590 |
| Total risk-based capital ratio | 12.7472% | 4,640 |
| Memoranda: | ||
| Average total assets | $361,650,500 | 1,911 |
| Average earning assets | $305,057,000 | 2,023 |
| Average equity | $36,021,000 | 2,094 |
| Average total loans | $240,751,500 | 1,909 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,122 |
| Cost of funding earning assets | 0.4576% | 3,628 |
| Net interest margin | 4.5077% | 753 |
| Noninterest income to average assets | 1.1968% | 640 |
| Noninterest expense to average assets | 3.7240% | 749 |
| Loan and lease loss provision to assets | 0.0796% | 2,534 |
| Net operating income to assets | 0.8319% | 3,687 |
| Return on assets (ROA) | 0.8274% | 3,700 |
| Pretax return on assets | 1.0875% | 3,320 |
| Return on Equity (ROE) | 9.0656% | 2,962 |
| Retained earnings to average equity (ytd only) | 9.0656% | 834 |
| Net charge-offs to loans | 0.0357% | 2,690 |
| Credit loss provision to net charge-offs | 336.7816% | 926 |
| Earnings coverage of net charge-offs (x) | 49.5977% | 1,144 |
| Efficiency ratio | 76.0491% | 1,354 |
| Assets per employee ($millions) | 4.2254% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,096 |
| Loan loss allowance to noncurrent loans | 41.4789% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 6.0035% | 50 |
| Noncurrent loans to loans | 2.6521% | 438 |
| Net loans and leases to total assets | 66.0568% | 3,125 |
| Net loans and leases to deposits | 73.1621% | 3,572 |
| Net loans and leases to core deposits | 75.6283% | 3,747 |
| Total domestic deposits to total assets | 90.2883% | 387 |
| Equity capital to assets | 9.6899% | 3,965 |
| Core capital (leverage) ratio | 8.4234% | 5,060 |
| Tier 1 risk-based capital ratio | 11.0408% | 4,961 |
| Total risk-based capital ratio | 12.0182% | 4,973 |
| Memoranda: | ||
| Average total assets | $367,909,600 | 1,840 |
| Average earning assets | $301,994,400 | 2,012 |
| Average equity | $33,577,400 | 2,132 |
| Average total loans | $244,021,200 | 1,862 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 1,209 |
| Cost of funding earning assets | 0.4411% | 3,591 |
| Net interest margin | 4.4406% | 827 |
| Noninterest income to average assets | 1.0701% | 829 |
| Noninterest expense to average assets | 3.6772% | 777 |
| Loan and lease loss provision to assets | 0.0723% | 2,516 |
| Net operating income to assets | 0.7677% | 4,019 |
| Return on assets (ROA) | 0.7623% | 4,047 |
| Pretax return on assets | 0.9328% | 3,918 |
| Return on Equity (ROE) | 8.4817% | 3,341 |
| Retained earnings to average equity (ytd only) | 8.4817% | 1,429 |
| Net charge-offs to loans | -0.0246% | 4,688 |
| Credit loss provision to net charge-offs | -444.4444% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4250% | 1,077 |
| Assets per employee ($millions) | 4.2416% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,181 |
| Loan loss allowance to noncurrent loans | 84.1304% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 5.7756% | 59 |
| Noncurrent loans to loans | 1.3095% | 1,279 |
| Net loans and leases to total assets | 65.9025% | 3,190 |
| Net loans and leases to deposits | 72.6527% | 3,715 |
| Net loans and leases to core deposits | 75.5761% | 3,833 |
| Total domestic deposits to total assets | 90.7089% | 291 |
| Equity capital to assets | 9.1984% | 4,369 |
| Core capital (leverage) ratio | 7.9686% | 5,322 |
| Tier 1 risk-based capital ratio | 10.5513% | 5,224 |
| Total risk-based capital ratio | 11.5443% | 5,223 |
| Memoranda: | ||
| Average total assets | $369,040,250 | 1,842 |
| Average earning assets | $300,729,500 | 2,030 |
| Average equity | $33,168,750 | 2,153 |
| Average total loans | $244,348,500 | 1,862 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 1,284 |
| Cost of funding earning assets | 0.4186% | 3,581 |
| Net interest margin | 4.3688% | 910 |
| Noninterest income to average assets | 1.0302% | 908 |
| Noninterest expense to average assets | 3.5806% | 887 |
| Loan and lease loss provision to assets | 0.1084% | 1,809 |
| Net operating income to assets | 0.8752% | 3,562 |
| Return on assets (ROA) | 0.8704% | 3,585 |
| Pretax return on assets | 0.8823% | 4,019 |
| Return on Equity (ROE) | 9.7599% | 2,681 |
| Retained earnings to average equity (ytd only) | 9.7599% | 994 |
| Net charge-offs to loans | 0.0148% | 2,648 |
| Credit loss provision to net charge-offs | 1,111.1111% | 378 |
| Earnings coverage of net charge-offs (x) | 102.0556% | 689 |
| Efficiency ratio | 78.2449% | 1,178 |
| Assets per employee ($millions) | 4.3468% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,312 |
| Loan loss allowance to noncurrent loans | 79.0795% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 6.7585% | 44 |
| Noncurrent loans to loans | 1.3805% | 1,233 |
| Net loans and leases to total assets | 64.8853% | 3,293 |
| Net loans and leases to deposits | 71.4362% | 3,756 |
| Net loans and leases to core deposits | 74.4835% | 3,849 |
| Total domestic deposits to total assets | 90.8298% | 291 |
| Equity capital to assets | 9.1099% | 4,471 |
| Core capital (leverage) ratio | 7.6205% | 5,425 |
| Tier 1 risk-based capital ratio | 10.0615% | 5,417 |
| Total risk-based capital ratio | 11.0180% | 5,432 |
| Memoranda: | ||
| Average total assets | $369,046,670 | 1,846 |
| Average earning assets | $299,535,670 | 2,050 |
| Average equity | $32,910,330 | 2,173 |
| Average total loans | $243,830,330 | 1,872 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,461 |
| Cost of funding earning assets | 0.3997% | 3,588 |
| Net interest margin | 4.2405% | 1,077 |
| Noninterest income to average assets | 0.9533% | 1,010 |
| Noninterest expense to average assets | 3.5095% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8839% | 3,357 |
| Return on assets (ROA) | 0.8785% | 3,392 |
| Pretax return on assets | 0.8785% | 3,914 |
| Return on Equity (ROE) | 9.9582% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.9582% | 1,173 |
| Net charge-offs to loans | -0.3288% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8815% | 1,152 |
| Assets per employee ($millions) | 4.3924% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,399 |
| Loan loss allowance to noncurrent loans | 103.2946% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 6.9950% | 48 |
| Noncurrent loans to loans | 1.0627% | 1,723 |
| Net loans and leases to total assets | 64.3134% | 3,270 |
| Net loans and leases to deposits | 70.5319% | 3,739 |
| Net loans and leases to core deposits | 72.9191% | 3,889 |
| Total domestic deposits to total assets | 91.1833% | 260 |
| Equity capital to assets | 8.7765% | 4,768 |
| Core capital (leverage) ratio | 7.5363% | 5,507 |
| Tier 1 risk-based capital ratio | 9.7004% | 5,540 |
| Total risk-based capital ratio | 10.6565% | 5,548 |
| Memoranda: | ||
| Average total assets | $368,831,000 | 1,863 |
| Average earning assets | $299,211,000 | 2,068 |
| Average equity | $32,536,000 | 2,205 |
| Average total loans | $244,554,000 | 1,878 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,704 |
| Cost of funding earning assets | 0.3625% | 3,594 |
| Net interest margin | 4.1383% | 1,329 |
| Noninterest income to average assets | 1.6661% | 387 |
| Noninterest expense to average assets | 3.9921% | 542 |
| Loan and lease loss provision to assets | 0.3787% | 398 |
| Net operating income to assets | 0.6666% | 3,744 |
| Return on assets (ROA) | 0.6634% | 3,801 |
| Pretax return on assets | 0.6462% | 4,638 |
| Return on Equity (ROE) | 8.0160% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.0160% | 758 |
| Net charge-offs to loans | 0.5716% | 401 |
| Credit loss provision to net charge-offs | 101.5850% | 2,520 |
| Earnings coverage of net charge-offs (x) | 2.7579% | 3,709 |
| Efficiency ratio | 79.5089% | 1,159 |
| Assets per employee ($millions) | 4.4977% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,946 |
| Loan loss allowance to noncurrent loans | 95.3191% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 6.7980% | 49 |
| Noncurrent loans to loans | 1.0494% | 1,695 |
| Net loans and leases to total assets | 66.9385% | 2,973 |
| Net loans and leases to deposits | 73.4890% | 3,558 |
| Net loans and leases to core deposits | 75.5061% | 3,775 |
| Total domestic deposits to total assets | 91.0865% | 221 |
| Equity capital to assets | 8.8674% | 4,843 |
| Core capital (leverage) ratio | 7.3075% | 5,581 |
| Tier 1 risk-based capital ratio | 9.2581% | 5,620 |
| Total risk-based capital ratio | 10.1301% | 5,632 |
| Memoranda: | ||
| Average total assets | $372,314,400 | 1,825 |
| Average earning assets | $301,763,200 | 2,034 |
| Average equity | $30,813,400 | 2,306 |
| Average total loans | $242,837,400 | 1,859 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 1,915 |
| Cost of funding earning assets | 0.3569% | 3,598 |
| Net interest margin | 4.0606% | 1,510 |
| Noninterest income to average assets | 1.6207% | 422 |
| Noninterest expense to average assets | 4.0820% | 474 |
| Loan and lease loss provision to assets | 0.3811% | 372 |
| Net operating income to assets | 0.4442% | 4,893 |
| Return on assets (ROA) | 0.4417% | 4,926 |
| Pretax return on assets | 0.4456% | 5,123 |
| Return on Equity (ROE) | 5.4312% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.4312% | 2,580 |
| Net charge-offs to loans | 0.5532% | 359 |
| Credit loss provision to net charge-offs | 106.5737% | 2,187 |
| Earnings coverage of net charge-offs (x) | 2.3187% | 3,480 |
| Efficiency ratio | 83.1012% | 831 |
| Assets per employee ($millions) | 4.3089% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 4,032 |
| Loan loss allowance to noncurrent loans | 83.4887% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 7.1786% | 48 |
| Noncurrent loans to loans | 1.2022% | 1,586 |
| Net loans and leases to total assets | 67.5385% | 2,910 |
| Net loans and leases to deposits | 73.9123% | 3,583 |
| Net loans and leases to core deposits | 75.9215% | 3,805 |
| Total domestic deposits to total assets | 91.3765% | 119 |
| Equity capital to assets | 8.5304% | 5,267 |
| Core capital (leverage) ratio | 7.1994% | 5,653 |
| Tier 1 risk-based capital ratio | 9.1558% | 5,694 |
| Total risk-based capital ratio | 10.0442% | 5,706 |
| Memoranda: | ||
| Average total assets | $374,315,000 | 1,824 |
| Average earning assets | $303,328,250 | 2,042 |
| Average equity | $30,440,500 | 2,345 |
| Average total loans | $241,964,500 | 1,877 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,074 |
| Cost of funding earning assets | 0.3727% | 3,356 |
| Net interest margin | 3.9431% | 1,800 |
| Noninterest income to average assets | 1.7682% | 381 |
| Noninterest expense to average assets | 4.2143% | 407 |
| Loan and lease loss provision to assets | 0.3979% | 332 |
| Net operating income to assets | 0.3436% | 5,117 |
| Return on assets (ROA) | 0.3353% | 5,161 |
| Pretax return on assets | 0.3411% | 5,279 |
| Return on Equity (ROE) | 4.1892% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.1892% | 3,219 |
| Net charge-offs to loans | 0.6393% | 307 |
| Credit loss provision to net charge-offs | 98.0392% | 2,054 |
| Earnings coverage of net charge-offs (x) | 1.8418% | 3,239 |
| Efficiency ratio | 84.9139% | 771 |
| Assets per employee ($millions) | 4.2964% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,127 |
| Loan loss allowance to noncurrent loans | 73.5677% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 7.2827% | 53 |
| Noncurrent loans to loans | 1.3636% | 1,418 |
| Net loans and leases to total assets | 64.8193% | 3,278 |
| Net loans and leases to deposits | 70.7215% | 3,856 |
| Net loans and leases to core deposits | 72.6391% | 4,044 |
| Total domestic deposits to total assets | 91.6542% | 112 |
| Equity capital to assets | 8.3052% | 5,407 |
| Core capital (leverage) ratio | 6.9422% | 5,717 |
| Tier 1 risk-based capital ratio | 9.0042% | 5,741 |
| Total risk-based capital ratio | 9.8700% | 5,754 |
| Memoranda: | ||
| Average total assets | $377,001,670 | 1,818 |
| Average earning assets | $305,341,000 | 2,026 |
| Average equity | $30,173,000 | 2,362 |
| Average total loans | $239,329,000 | 1,893 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 2,288 |
| Cost of funding earning assets | 0.4250% | 2,767 |
| Net interest margin | 3.7720% | 2,213 |
| Noninterest income to average assets | 1.7513% | 378 |
| Noninterest expense to average assets | 4.0603% | 503 |
| Loan and lease loss provision to assets | 0.4727% | 220 |
| Net operating income to assets | 0.2735% | 5,258 |
| Return on assets (ROA) | 0.2574% | 5,311 |
| Pretax return on assets | 0.2689% | 5,354 |
| Return on Equity (ROE) | 3.2758% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.2758% | 3,799 |
| Net charge-offs to loans | 1.2973% | 131 |
| Credit loss provision to net charge-offs | 58.2902% | 1,920 |
| Earnings coverage of net charge-offs (x) | 0.9352% | 2,779 |
| Efficiency ratio | 84.2163% | 952 |
| Assets per employee ($millions) | 4.5086% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,708 |
| Loan loss allowance to noncurrent loans | 65.0307% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 7.3124% | 58 |
| Noncurrent loans to loans | 1.4040% | 1,443 |
| Net loans and leases to total assets | 61.4800% | 3,603 |
| Net loans and leases to deposits | 66.8816% | 4,100 |
| Net loans and leases to core deposits | 68.5442% | 4,252 |
| Total domestic deposits to total assets | 91.9236% | 115 |
| Equity capital to assets | 8.0587% | 5,497 |
| Core capital (leverage) ratio | 6.6354% | 5,787 |
| Tier 1 risk-based capital ratio | 9.0661% | 5,802 |
| Total risk-based capital ratio | 9.8395% | 5,821 |
| Memoranda: | ||
| Average total assets | $380,756,500 | 1,812 |
| Average earning assets | $309,653,000 | 2,026 |
| Average equity | $29,916,000 | 2,384 |
| Average total loans | $238,029,000 | 1,904 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,830 |
| Cost of funding earning assets | 0.5286% | 1,877 |
| Net interest margin | 3.5758% | 3,163 |
| Noninterest income to average assets | 1.7864% | 397 |
| Noninterest expense to average assets | 3.6563% | 939 |
| Loan and lease loss provision to assets | 0.4187% | 360 |
| Net operating income to assets | 2.5118% | 143 |
| Return on assets (ROA) | 2.4915% | 149 |
| Pretax return on assets | 0.6402% | 4,679 |
| Return on Equity (ROE) | 38.7925% | 14 |
| Retained earnings to average equity (ytd only) | 38.7925% | 5 |
| Net charge-offs to loans | 0.8800% | 217 |
| Credit loss provision to net charge-offs | 73.0787% | 3,083 |
| Earnings coverage of net charge-offs (x) | 1.8835% | 3,926 |
| Efficiency ratio | 77.0679% | 1,832 |
| Assets per employee ($millions) | 4.7231% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 4,316 |
| Loan loss allowance to noncurrent loans | 58.6737% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 7.4829% | 53 |
| Noncurrent loans to loans | 1.7066% | 1,132 |
| Net loans and leases to total assets | 62.3367% | 3,568 |
| Net loans and leases to deposits | 70.5010% | 3,855 |
| Net loans and leases to core deposits | 72.4209% | 4,060 |
| Total domestic deposits to total assets | 88.4195% | 1,429 |
| Equity capital to assets | 7.6621% | 5,674 |
| Core capital (leverage) ratio | 6.7849% | 5,825 |
| Tier 1 risk-based capital ratio | 8.8472% | 5,861 |
| Total risk-based capital ratio | 9.7170% | 5,870 |
| Memoranda: | ||
| Average total assets | $370,178,600 | 1,808 |
| Average earning assets | $305,306,000 | 2,008 |
| Average equity | $23,775,200 | 2,817 |
| Average total loans | $241,028,600 | 1,840 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,965 |
| Cost of funding earning assets | 0.5350% | 1,833 |
| Net interest margin | 3.5405% | 3,316 |
| Noninterest income to average assets | 1.6208% | 468 |
| Noninterest expense to average assets | 3.6822% | 877 |
| Loan and lease loss provision to assets | 0.4701% | 278 |
| Net operating income to assets | 0.3986% | 5,021 |
| Return on assets (ROA) | 0.3782% | 5,181 |
| Pretax return on assets | 0.3782% | 5,341 |
| Return on Equity (ROE) | 6.2061% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.2061% | 2,060 |
| Net charge-offs to loans | 1.2283% | 127 |
| Credit loss provision to net charge-offs | 58.2656% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.0768% | 3,732 |
| Efficiency ratio | 80.7671% | 1,328 |
| Assets per employee ($millions) | 4.5074% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,952 |
| Loan loss allowance to noncurrent loans | 30.5409% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 7.9626% | 58 |
| Noncurrent loans to loans | 2.8693% | 554 |
| Net loans and leases to total assets | 63.9327% | 3,412 |
| Net loans and leases to deposits | 71.1909% | 3,866 |
| Net loans and leases to core deposits | 73.2397% | 4,061 |
| Total domestic deposits to total assets | 89.8045% | 554 |
| Equity capital to assets | 6.0459% | 5,929 |
| Core capital (leverage) ratio | 6.0284% | 5,926 |
| Tier 1 risk-based capital ratio | 8.0174% | 5,941 |
| Total risk-based capital ratio | 8.7754% | 5,948 |
| Memoranda: | ||
| Average total assets | $365,899,000 | 1,833 |
| Average earning assets | $302,813,500 | 2,032 |
| Average equity | $22,300,250 | 2,988 |
| Average total loans | $240,318,250 | 1,848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 2,883 |
| Cost of funding earning assets | 0.5357% | 1,821 |
| Net interest margin | 3.5585% | 3,262 |
| Noninterest income to average assets | 2.2525% | 295 |
| Noninterest expense to average assets | 3.7059% | 868 |
| Loan and lease loss provision to assets | 0.3565% | 457 |
| Net operating income to assets | 1.1304% | 1,853 |
| Return on assets (ROA) | 1.1079% | 2,054 |
| Pretax return on assets | 1.1079% | 3,168 |
| Return on Equity (ROE) | 18.1288% | 346 |
| Retained earnings to average equity (ytd only) | 18.1288% | 81 |
| Net charge-offs to loans | 1.0441% | 170 |
| Credit loss provision to net charge-offs | 51.6693% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.1550% | 3,315 |
| Efficiency ratio | 71.2400% | 2,781 |
| Assets per employee ($millions) | 4.2838% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,426 |
| Loan loss allowance to noncurrent loans | 57.4123% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 8.1258% | 64 |
| Noncurrent loans to loans | 1.7696% | 1,180 |
| Net loans and leases to total assets | 64.3493% | 3,313 |
| Net loans and leases to deposits | 71.9830% | 3,789 |
| Net loans and leases to core deposits | 73.6399% | 4,016 |
| Total domestic deposits to total assets | 89.3951% | 729 |
| Equity capital to assets | 6.4151% | 5,994 |
| Core capital (leverage) ratio | 6.3070% | 5,988 |
| Tier 1 risk-based capital ratio | 8.2674% | 6,016 |
| Total risk-based capital ratio | 9.1294% | 6,021 |
| Memoranda: | ||
| Average total assets | $364,664,330 | 1,838 |
| Average earning assets | $301,308,000 | 2,050 |
| Average equity | $22,285,000 | 2,995 |
| Average total loans | $240,962,330 | 1,855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,944 |
| Cost of funding earning assets | 0.5342% | 1,834 |
| Net interest margin | 3.5413% | 3,317 |
| Noninterest income to average assets | 2.8180% | 216 |
| Noninterest expense to average assets | 3.7004% | 894 |
| Loan and lease loss provision to assets | 0.2740% | 611 |
| Net operating income to assets | 1.7790% | 485 |
| Return on assets (ROA) | 1.7570% | 543 |
| Pretax return on assets | 1.7570% | 927 |
| Return on Equity (ROE) | 29.4832% | 55 |
| Retained earnings to average equity (ytd only) | 29.4832% | 29 |
| Net charge-offs to loans | 1.0860% | 167 |
| Credit loss provision to net charge-offs | 37.8788% | 2,162 |
| Earnings coverage of net charge-offs (x) | 2.8379% | 2,626 |
| Efficiency ratio | 64.2027% | 4,090 |
| Assets per employee ($millions) | 4.3182% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 4,298 |
| Loan loss allowance to noncurrent loans | 30.6235% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 8.8212% | 62 |
| Noncurrent loans to loans | 3.4555% | 397 |
| Net loans and leases to total assets | 66.3087% | 2,899 |
| Net loans and leases to deposits | 73.8987% | 3,446 |
| Net loans and leases to core deposits | 75.4436% | 3,734 |
| Total domestic deposits to total assets | 89.7291% | 716 |
| Equity capital to assets | 6.1728% | 6,062 |
| Core capital (leverage) ratio | 6.2309% | 6,054 |
| Tier 1 risk-based capital ratio | 7.9997% | 6,079 |
| Total risk-based capital ratio | 8.9187% | 6,083 |
| Memoranda: | ||
| Average total assets | $364,934,000 | 1,839 |
| Average earning assets | $302,484,000 | 2,044 |
| Average equity | $21,748,000 | 3,045 |
| Average total loans | $243,085,000 | 1,843 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,498 |
| Cost of funding earning assets | 0.5933% | 1,410 |
| Net interest margin | 3.3615% | 4,069 |
| Noninterest income to average assets | 1.3187% | 695 |
| Noninterest expense to average assets | 3.4094% | 1,466 |
| Loan and lease loss provision to assets | 1.0123% | 85 |
| Net operating income to assets | -0.2709% | 5,986 |
| Return on assets (ROA) | -0.2901% | 5,994 |
| Pretax return on assets | -0.3274% | 5,989 |
| Return on Equity (ROE) | -5.1886% | 6,048 |
| Retained earnings to average equity (ytd only) | -5.1886% | 5,922 |
| Net charge-offs to loans | 1.6781% | 87 |
| Credit loss provision to net charge-offs | 91.7470% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.6402% | 4,199 |
| Efficiency ratio | 82.6721% | 1,313 |
| Assets per employee ($millions) | 4.5353% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,139 |
| Loan loss allowance to noncurrent loans | 30.9216% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 9.3032% | 65 |
| Noncurrent loans to loans | 4.0569% | 297 |
| Net loans and leases to total assets | 65.3683% | 3,071 |
| Net loans and leases to deposits | 72.5723% | 3,660 |
| Net loans and leases to core deposits | 74.1576% | 3,922 |
| Total domestic deposits to total assets | 90.0733% | 604 |
| Equity capital to assets | 5.7436% | 6,128 |
| Core capital (leverage) ratio | 5.8408% | 6,126 |
| Tier 1 risk-based capital ratio | 7.2593% | 6,142 |
| Total risk-based capital ratio | 8.2983% | 6,146 |
| Memoranda: | ||
| Average total assets | $366,806,600 | 1,790 |
| Average earning assets | $305,218,000 | 1,994 |
| Average equity | $20,506,400 | 3,123 |
| Average total loans | $241,159,800 | 1,790 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,622 |
| Cost of funding earning assets | 0.6100% | 1,345 |
| Net interest margin | 3.3218% | 4,249 |
| Noninterest income to average assets | 1.1901% | 856 |
| Noninterest expense to average assets | 3.4170% | 1,445 |
| Loan and lease loss provision to assets | 1.1970% | 53 |
| Net operating income to assets | -0.6561% | 6,161 |
| Return on assets (ROA) | -0.6761% | 6,161 |
| Pretax return on assets | -0.6761% | 6,155 |
| Return on Equity (ROE) | -12.1753% | 6,201 |
| Retained earnings to average equity (ytd only) | -12.1753% | 6,157 |
| Net charge-offs to loans | 1.8193% | 72 |
| Credit loss provision to net charge-offs | 100.2429% | 2,255 |
| Earnings coverage of net charge-offs (x) | 0.4529% | 3,947 |
| Efficiency ratio | 86.1696% | 993 |
| Assets per employee ($millions) | 4.4427% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 2,699 |
| Loan loss allowance to noncurrent loans | 25.2028% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 10.4188% | 53 |
| Noncurrent loans to loans | 5.4736% | 169 |
| Net loans and leases to total assets | 66.6504% | 2,909 |
| Net loans and leases to deposits | 73.9477% | 3,552 |
| Net loans and leases to core deposits | 75.5139% | 3,854 |
| Total domestic deposits to total assets | 90.1317% | 524 |
| Equity capital to assets | 5.5758% | 6,216 |
| Core capital (leverage) ratio | 5.5858% | 6,213 |
| Tier 1 risk-based capital ratio | 6.9882% | 6,235 |
| Total risk-based capital ratio | 8.1461% | 6,236 |
| Memoranda: | ||
| Average total assets | $367,803,000 | 1,794 |
| Average earning assets | $306,452,000 | 2,002 |
| Average equity | $20,423,250 | 3,162 |
| Average total loans | $241,404,000 | 1,792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 3,689 |
| Cost of funding earning assets | 0.6292% | 1,235 |
| Net interest margin | 3.2711% | 4,416 |
| Noninterest income to average assets | 1.0609% | 1,058 |
| Noninterest expense to average assets | 3.3473% | 1,581 |
| Loan and lease loss provision to assets | 1.6045% | 37 |
| Net operating income to assets | -1.1683% | 6,273 |
| Return on assets (ROA) | -1.1780% | 6,274 |
| Pretax return on assets | -1.1780% | 6,270 |
| Return on Equity (ROE) | -21.2436% | 6,298 |
| Retained earnings to average equity (ytd only) | -21.2436% | 6,271 |
| Net charge-offs to loans | 2.7084% | 46 |
| Credit loss provision to net charge-offs | 91.1377% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.2478% | 3,685 |
| Efficiency ratio | 88.2991% | 894 |
| Assets per employee ($millions) | 4.4941% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,305 |
| Loan loss allowance to noncurrent loans | 27.1316% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 10.2276% | 64 |
| Noncurrent loans to loans | 4.7518% | 265 |
| Net loans and leases to total assets | 64.3191% | 3,222 |
| Net loans and leases to deposits | 71.0887% | 3,817 |
| Net loans and leases to core deposits | 72.8974% | 4,050 |
| Total domestic deposits to total assets | 90.4773% | 465 |
| Equity capital to assets | 5.3560% | 6,291 |
| Core capital (leverage) ratio | 5.3980% | 6,289 |
| Tier 1 risk-based capital ratio | 7.0271% | 6,309 |
| Total risk-based capital ratio | 8.1054% | 6,311 |
| Memoranda: | ||
| Average total assets | $370,450,670 | 1,793 |
| Average earning assets | $308,333,670 | 1,993 |
| Average equity | $20,542,670 | 3,156 |
| Average total loans | $240,804,330 | 1,806 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 3,882 |
| Cost of funding earning assets | 0.6460% | 1,143 |
| Net interest margin | 3.1866% | 4,661 |
| Noninterest income to average assets | 1.0223% | 1,068 |
| Noninterest expense to average assets | 3.3303% | 1,647 |
| Loan and lease loss provision to assets | 1.7460% | 36 |
| Net operating income to assets | -1.3980% | 6,344 |
| Return on assets (ROA) | -1.3895% | 6,346 |
| Pretax return on assets | -1.3895% | 6,342 |
| Return on Equity (ROE) | -24.6469% | 6,371 |
| Retained earnings to average equity (ytd only) | -24.6469% | 6,305 |
| Net charge-offs to loans | 0.4353% | 565 |
| Credit loss provision to net charge-offs | 617.8030% | 460 |
| Earnings coverage of net charge-offs (x) | 1.2311% | 2,953 |
| Efficiency ratio | 90.3667% | 826 |
| Assets per employee ($millions) | 4.7851% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 1,106 |
| Loan loss allowance to noncurrent loans | 28.9309% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 11.8065% | 50 |
| Noncurrent loans to loans | 6.8688% | 133 |
| Net loans and leases to total assets | 62.2941% | 3,320 |
| Net loans and leases to deposits | 68.9518% | 3,861 |
| Net loans and leases to core deposits | 70.6195% | 4,093 |
| Total domestic deposits to total assets | 90.3444% | 591 |
| Equity capital to assets | 5.5255% | 6,352 |
| Core capital (leverage) ratio | 5.5721% | 6,346 |
| Tier 1 risk-based capital ratio | 7.3352% | 6,367 |
| Total risk-based capital ratio | 8.5902% | 6,366 |
| Memoranda: | ||
| Average total assets | $373,664,000 | 1,790 |
| Average earning assets | $311,433,000 | 1,980 |
| Average equity | $21,065,500 | 3,131 |
| Average total loans | $242,609,000 | 1,791 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,915 |
| Cost of funding earning assets | 0.7136% | 1,037 |
| Net interest margin | 3.2384% | 4,801 |
| Noninterest income to average assets | 1.2750% | 745 |
| Noninterest expense to average assets | 3.3875% | 1,724 |
| Loan and lease loss provision to assets | 0.0079% | 4,470 |
| Net operating income to assets | 0.7405% | 3,677 |
| Return on assets (ROA) | 0.7017% | 3,999 |
| Pretax return on assets | 0.5279% | 5,174 |
| Return on Equity (ROE) | 13.8640% | 954 |
| Retained earnings to average equity (ytd only) | 13.8640% | 185 |
| Net charge-offs to loans | 0.4582% | 913 |
| Credit loss provision to net charge-offs | 2.6619% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.9450% | 4,300 |
| Efficiency ratio | 85.3325% | 1,247 |
| Assets per employee ($millions) | 5.0553% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 3,173 |
| Loan loss allowance to noncurrent loans | 23.5621% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 11.1232% | 70 |
| Noncurrent loans to loans | 5.7278% | 213 |
| Net loans and leases to total assets | 65.3992% | 2,989 |
| Net loans and leases to deposits | 72.5414% | 3,617 |
| Net loans and leases to core deposits | 74.4081% | 3,884 |
| Total domestic deposits to total assets | 90.1543% | 670 |
| Equity capital to assets | 5.7494% | 6,429 |
| Core capital (leverage) ratio | 5.8436% | 6,414 |
| Tier 1 risk-based capital ratio | 7.8078% | 6,448 |
| Total risk-based capital ratio | 8.9945% | 6,452 |
| Memoranda: | ||
| Average total assets | $381,491,400 | 1,722 |
| Average earning assets | $316,547,400 | 1,895 |
| Average equity | $19,309,000 | 3,250 |
| Average total loans | $245,944,000 | 1,713 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 4,037 |
| Cost of funding earning assets | 0.7210% | 1,046 |
| Net interest margin | 3.2129% | 4,923 |
| Noninterest income to average assets | 1.1819% | 860 |
| Noninterest expense to average assets | 3.3052% | 1,889 |
| Loan and lease loss provision to assets | 0.0104% | 4,211 |
| Net operating income to assets | 0.5304% | 4,758 |
| Return on assets (ROA) | 0.4848% | 4,998 |
| Pretax return on assets | 0.4848% | 5,366 |
| Return on Equity (ROE) | 9.9078% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.9078% | 740 |
| Net charge-offs to loans | 0.5378% | 710 |
| Credit loss provision to net charge-offs | 3.0303% | 3,775 |
| Earnings coverage of net charge-offs (x) | 1.5707% | 4,122 |
| Efficiency ratio | 85.7750% | 1,201 |
| Assets per employee ($millions) | 4.9665% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,101 |
| Loan loss allowance to noncurrent loans | 23.4360% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 11.4182% | 74 |
| Noncurrent loans to loans | 6.0349% | 231 |
| Net loans and leases to total assets | 64.3389% | 3,134 |
| Net loans and leases to deposits | 70.9955% | 3,801 |
| Net loans and leases to core deposits | 72.8204% | 4,072 |
| Total domestic deposits to total assets | 90.6239% | 481 |
| Equity capital to assets | 5.2794% | 6,516 |
| Core capital (leverage) ratio | 5.4849% | 6,505 |
| Tier 1 risk-based capital ratio | 7.3696% | 6,527 |
| Total risk-based capital ratio | 8.6077% | 6,527 |
| Memoranda: | ||
| Average total assets | $383,341,250 | 1,722 |
| Average earning assets | $317,881,000 | 1,894 |
| Average equity | $18,759,250 | 3,334 |
| Average total loans | $245,430,000 | 1,727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 4,143 |
| Cost of funding earning assets | 0.7276% | 1,032 |
| Net interest margin | 3.1706% | 5,042 |
| Noninterest income to average assets | 1.1778% | 845 |
| Noninterest expense to average assets | 3.2577% | 2,022 |
| Loan and lease loss provision to assets | 0.0156% | 3,951 |
| Net operating income to assets | 0.5372% | 4,663 |
| Return on assets (ROA) | 0.4843% | 4,944 |
| Pretax return on assets | 0.4843% | 5,317 |
| Return on Equity (ROE) | 10.1579% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.1579% | 688 |
| Net charge-offs to loans | 0.4740% | 852 |
| Credit loss provision to net charge-offs | 5.1635% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.8330% | 3,703 |
| Efficiency ratio | 85.3290% | 1,339 |
| Assets per employee ($millions) | 5.2694% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 2,586 |
| Loan loss allowance to noncurrent loans | 23.0546% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 12.1942% | 63 |
| Noncurrent loans to loans | 6.8046% | 187 |
| Net loans and leases to total assets | 64.3825% | 3,014 |
| Net loans and leases to deposits | 70.8309% | 3,718 |
| Net loans and leases to core deposits | 72.6957% | 3,978 |
| Total domestic deposits to total assets | 90.8960% | 444 |
| Equity capital to assets | 5.1042% | 6,583 |
| Core capital (leverage) ratio | 5.2347% | 6,574 |
| Tier 1 risk-based capital ratio | 7.1446% | 6,593 |
| Total risk-based capital ratio | 8.3961% | 6,593 |
| Memoranda: | ||
| Average total assets | $385,304,670 | 1,705 |
| Average earning assets | $319,936,330 | 1,881 |
| Average equity | $18,370,000 | 3,380 |
| Average total loans | $245,129,330 | 1,727 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 4,484 |
| Cost of funding earning assets | 0.7328% | 1,056 |
| Net interest margin | 3.0690% | 5,342 |
| Noninterest income to average assets | 1.0653% | 983 |
| Noninterest expense to average assets | 3.0845% | 2,578 |
| Loan and lease loss provision to assets | 0.0309% | 3,419 |
| Net operating income to assets | 0.4955% | 4,714 |
| Return on assets (ROA) | 0.4152% | 5,134 |
| Pretax return on assets | 0.4152% | 5,410 |
| Return on Equity (ROE) | 9.0194% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.0194% | 1,245 |
| Net charge-offs to loans | 0.3990% | 917 |
| Credit loss provision to net charge-offs | 12.3457% | 2,587 |
| Earnings coverage of net charge-offs (x) | 2.1029% | 2,950 |
| Efficiency ratio | 85.0214% | 1,542 |
| Assets per employee ($millions) | 5.2631% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 2,294 |
| Loan loss allowance to noncurrent loans | 21.1054% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 12.5385% | 68 |
| Noncurrent loans to loans | 8.1357% | 155 |
| Net loans and leases to total assets | 62.1806% | 3,210 |
| Net loans and leases to deposits | 68.0312% | 3,852 |
| Net loans and leases to core deposits | 69.7755% | 4,119 |
| Total domestic deposits to total assets | 91.4002% | 417 |
| Equity capital to assets | 4.7010% | 6,653 |
| Core capital (leverage) ratio | 5.1030% | 6,642 |
| Tier 1 risk-based capital ratio | 6.9136% | 6,655 |
| Total risk-based capital ratio | 8.1665% | 6,656 |
| Memoranda: | ||
| Average total assets | $388,259,500 | 1,712 |
| Average earning assets | $322,058,000 | 1,873 |
| Average equity | $17,872,500 | 3,439 |
| Average total loans | $243,615,500 | 1,735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5869% | 5,442 |
| Cost of funding earning assets | 0.8981% | 745 |
| Net interest margin | 2.6888% | 6,154 |
| Noninterest income to average assets | 1.6128% | 552 |
| Noninterest expense to average assets | 3.2415% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6131% | 4,203 |
| Return on assets (ROA) | 0.5174% | 4,789 |
| Pretax return on assets | 0.5174% | 5,150 |
| Return on Equity (ROE) | 13.5727% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.5727% | 216 |
| Net charge-offs to loans | 0.3432% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.8982% | 4,032 |
| Efficiency ratio | 83.9387% | 1,630 |
| Assets per employee ($millions) | 5.2304% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 1,933 |
| Loan loss allowance to noncurrent loans | 21.7971% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 12.7902% | 65 |
| Noncurrent loans to loans | 8.4659% | 170 |
| Net loans and leases to total assets | 61.0727% | 3,520 |
| Net loans and leases to deposits | 66.7160% | 4,216 |
| Net loans and leases to core deposits | 68.9919% | 4,392 |
| Total domestic deposits to total assets | 91.5413% | 391 |
| Equity capital to assets | 4.5049% | 6,723 |
| Core capital (leverage) ratio | 4.9956% | 6,715 |
| Tier 1 risk-based capital ratio | 6.8289% | 6,737 |
| Total risk-based capital ratio | 8.0828% | 6,737 |
| Memoranda: | ||
| Average total assets | $417,857,000 | 1,579 |
| Average earning assets | $348,402,200 | 1,717 |
| Average equity | $15,929,000 | 3,711 |
| Average total loans | $257,539,600 | 1,616 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 5,667 |
| Cost of funding earning assets | 0.9323% | 698 |
| Net interest margin | 2.5769% | 6,340 |
| Noninterest income to average assets | 1.5383% | 618 |
| Noninterest expense to average assets | 3.0140% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6789% | 3,961 |
| Return on assets (ROA) | 0.6357% | 4,310 |
| Pretax return on assets | 0.6357% | 4,898 |
| Return on Equity (ROE) | 17.3947% | 499 |
| Retained earnings to average equity (ytd only) | 17.3947% | 123 |
| Net charge-offs to loans | 0.6134% | 1,014 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.7998% | 4,234 |
| Efficiency ratio | 81.4626% | 1,905 |
| Assets per employee ($millions) | 5.1778% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 2,554 |
| Loan loss allowance to noncurrent loans | 19.3970% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 12.4875% | 75 |
| Noncurrent loans to loans | 8.8747% | 179 |
| Net loans and leases to total assets | 60.6297% | 3,590 |
| Net loans and leases to deposits | 66.2049% | 4,277 |
| Net loans and leases to core deposits | 68.7746% | 4,460 |
| Total domestic deposits to total assets | 91.5789% | 348 |
| Equity capital to assets | 4.5077% | 6,799 |
| Core capital (leverage) ratio | 4.8816% | 6,791 |
| Tier 1 risk-based capital ratio | 6.8509% | 6,808 |
| Total risk-based capital ratio | 8.1036% | 6,809 |
| Memoranda: | ||
| Average total assets | $425,559,500 | 1,563 |
| Average earning assets | $355,823,000 | 1,701 |
| Average equity | $15,552,250 | 3,819 |
| Average total loans | $261,718,500 | 1,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 5,864 |
| Cost of funding earning assets | 0.9732% | 628 |
| Net interest margin | 2.4450% | 6,506 |
| Noninterest income to average assets | 1.8481% | 500 |
| Noninterest expense to average assets | 2.9404% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9521% | 2,563 |
| Return on assets (ROA) | 0.9247% | 2,817 |
| Pretax return on assets | 0.9247% | 3,810 |
| Return on Equity (ROE) | 27.1788% | 97 |
| Retained earnings to average equity (ytd only) | 27.1788% | 43 |
| Net charge-offs to loans | 0.7276% | 896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1297% | 3,813 |
| Efficiency ratio | 75.3989% | 2,878 |
| Assets per employee ($millions) | 5.4775% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,369 |
| Loan loss allowance to noncurrent loans | 19.0362% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 12.0580% | 99 |
| Noncurrent loans to loans | 9.5569% | 179 |
| Net loans and leases to total assets | 57.1309% | 4,120 |
| Net loans and leases to deposits | 63.2819% | 4,584 |
| Net loans and leases to core deposits | 65.6787% | 4,721 |
| Total domestic deposits to total assets | 90.2801% | 873 |
| Equity capital to assets | 3.5702% | 6,877 |
| Core capital (leverage) ratio | 3.8267% | 6,878 |
| Tier 1 risk-based capital ratio | 5.7566% | 6,877 |
| Total risk-based capital ratio | 7.0101% | 6,879 |
| Memoranda: | ||
| Average total assets | $437,968,330 | 1,519 |
| Average earning assets | $366,218,670 | 1,654 |
| Average equity | $14,901,330 | 3,960 |
| Average total loans | $269,101,670 | 1,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 6,074 |
| Cost of funding earning assets | 1.0135% | 573 |
| Net interest margin | 2.3224% | 6,672 |
| Noninterest income to average assets | 2.1960% | 383 |
| Noninterest expense to average assets | 2.8577% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2747% | 1,344 |
| Return on assets (ROA) | 1.3243% | 1,321 |
| Pretax return on assets | 1.3243% | 2,142 |
| Return on Equity (ROE) | 39.8176% | 38 |
| Retained earnings to average equity (ytd only) | 39.8176% | 24 |
| Net charge-offs to loans | 0.6504% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.1147% | 2,838 |
| Efficiency ratio | 69.0247% | 4,143 |
| Assets per employee ($millions) | 5.9731% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 1,960 |
| Loan loss allowance to noncurrent loans | 19.9795% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 11.6870% | 136 |
| Noncurrent loans to loans | 10.1705% | 204 |
| Net loans and leases to total assets | 54.5510% | 4,322 |
| Net loans and leases to deposits | 60.2985% | 4,758 |
| Net loans and leases to core deposits | 62.7343% | 4,881 |
| Total domestic deposits to total assets | 90.4683% | 783 |
| Equity capital to assets | 3.6369% | 6,949 |
| Core capital (leverage) ratio | 3.4990% | 6,949 |
| Tier 1 risk-based capital ratio | 5.6281% | 6,939 |
| Total risk-based capital ratio | 6.8842% | 6,943 |
| Memoranda: | ||
| Average total assets | $451,544,500 | 1,485 |
| Average earning assets | $376,512,000 | 1,625 |
| Average equity | $15,018,500 | 3,993 |
| Average total loans | $284,126,500 | 1,492 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 3,771 |
| Cost of funding earning assets | 1.3833% | 264 |
| Net interest margin | 3.0268% | 5,987 |
| Noninterest income to average assets | 3.1198% | 240 |
| Noninterest expense to average assets | 4.1679% | 809 |
| Loan and lease loss provision to assets | 0.9733% | 438 |
| Net operating income to assets | -0.0187% | 6,198 |
| Return on assets (ROA) | -0.5120% | 6,611 |
| Pretax return on assets | 0.0453% | 6,225 |
| Return on Equity (ROE) | -16.7184% | 6,846 |
| Retained earnings to average equity (ytd only) | -16.7184% | 6,801 |
| Net charge-offs to loans | 1.4507% | 628 |
| Credit loss provision to net charge-offs | 96.9916% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.4783% | 4,708 |
| Efficiency ratio | 73.6610% | 3,123 |
| Assets per employee ($millions) | 4.7781% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8259% | 801 |
| Loan loss allowance to noncurrent loans | 29.9150% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 13.1616% | 108 |
| Noncurrent loans to loans | 9.4463% | 264 |
| Net loans and leases to total assets | 67.5422% | 2,273 |
| Net loans and leases to deposits | 75.7912% | 2,830 |
| Net loans and leases to core deposits | 78.5492% | 3,192 |
| Total domestic deposits to total assets | 89.1161% | 1,487 |
| Equity capital to assets | 3.0434% | 7,037 |
| Core capital (leverage) ratio | 4.4103% | 6,967 |
| Tier 1 risk-based capital ratio | 5.6487% | 7,002 |
| Total risk-based capital ratio | 6.9137% | 7,004 |
| Memoranda: | ||
| Average total assets | $496,865,000 | 1,342 |
| Average earning assets | $415,591,400 | 1,452 |
| Average equity | $15,216,800 | 3,912 |
| Average total loans | $343,686,800 | 1,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 4,122 |
| Cost of funding earning assets | 1.4552% | 245 |
| Net interest margin | 2.9276% | 6,306 |
| Noninterest income to average assets | 2.8836% | 263 |
| Noninterest expense to average assets | 3.7908% | 1,225 |
| Loan and lease loss provision to assets | 1.0492% | 373 |
| Net operating income to assets | -0.2300% | 6,515 |
| Return on assets (ROA) | -0.6929% | 6,802 |
| Pretax return on assets | 0.0851% | 6,288 |
| Return on Equity (ROE) | -22.5905% | 7,017 |
| Retained earnings to average equity (ytd only) | -22.5905% | 7,003 |
| Net charge-offs to loans | 1.3375% | 690 |
| Credit loss provision to net charge-offs | 113.5438% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.6838% | 4,429 |
| Efficiency ratio | 70.8094% | 3,532 |
| Assets per employee ($millions) | 5.0997% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9539% | 758 |
| Loan loss allowance to noncurrent loans | 33.1927% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 13.0667% | 128 |
| Noncurrent loans to loans | 8.8994% | 313 |
| Net loans and leases to total assets | 67.2227% | 2,419 |
| Net loans and leases to deposits | 75.0637% | 3,135 |
| Net loans and leases to core deposits | 78.2456% | 3,416 |
| Total domestic deposits to total assets | 89.5541% | 1,091 |
| Equity capital to assets | 2.9886% | 7,133 |
| Core capital (leverage) ratio | 4.1541% | 7,084 |
| Tier 1 risk-based capital ratio | 5.2396% | 7,108 |
| Total risk-based capital ratio | 6.5060% | 7,109 |
| Memoranda: | ||
| Average total assets | $502,824,000 | 1,341 |
| Average earning assets | $423,038,000 | 1,441 |
| Average equity | $15,422,000 | 3,907 |
| Average total loans | $347,412,250 | 1,216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 4,534 |
| Cost of funding earning assets | 1.5324% | 209 |
| Net interest margin | 2.7771% | 6,617 |
| Noninterest income to average assets | 2.3146% | 324 |
| Noninterest expense to average assets | 3.5030% | 1,778 |
| Loan and lease loss provision to assets | 1.1942% | 348 |
| Net operating income to assets | -0.7396% | 6,836 |
| Return on assets (ROA) | -1.2025% | 6,974 |
| Pretax return on assets | -0.4708% | 6,733 |
| Return on Equity (ROE) | -38.8909% | 7,141 |
| Retained earnings to average equity (ytd only) | -38.8909% | 7,135 |
| Net charge-offs to loans | 1.8244% | 484 |
| Credit loss provision to net charge-offs | 94.8206% | 2,911 |
| Earnings coverage of net charge-offs (x) | 0.9236% | 4,574 |
| Efficiency ratio | 74.9705% | 2,901 |
| Assets per employee ($millions) | 5.2259% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7277% | 1,006 |
| Loan loss allowance to noncurrent loans | 22.6939% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 13.7617% | 128 |
| Noncurrent loans to loans | 12.0197% | 172 |
| Net loans and leases to total assets | 65.9280% | 2,681 |
| Net loans and leases to deposits | 76.1113% | 2,974 |
| Net loans and leases to core deposits | 79.8815% | 3,235 |
| Total domestic deposits to total assets | 86.6205% | 2,999 |
| Equity capital to assets | 2.8008% | 7,188 |
| Core capital (leverage) ratio | 3.8415% | 7,143 |
| Tier 1 risk-based capital ratio | 4.9278% | 7,166 |
| Total risk-based capital ratio | 6.1920% | 7,166 |
| Memoranda: | ||
| Average total assets | $508,942,330 | 1,332 |
| Average earning assets | $430,957,670 | 1,418 |
| Average equity | $15,736,330 | 3,847 |
| Average total loans | $351,354,330 | 1,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 4,806 |
| Cost of funding earning assets | 1.6383% | 159 |
| Net interest margin | 2.6436% | 6,841 |
| Noninterest income to average assets | 2.2764% | 339 |
| Noninterest expense to average assets | 3.5812% | 1,603 |
| Loan and lease loss provision to assets | 0.7109% | 729 |
| Net operating income to assets | -0.4105% | 6,778 |
| Return on assets (ROA) | -0.7741% | 6,961 |
| Pretax return on assets | -0.0468% | 6,569 |
| Return on Equity (ROE) | -23.9339% | 7,137 |
| Retained earnings to average equity (ytd only) | -23.9339% | 7,087 |
| Net charge-offs to loans | -0.1793% | 6,966 |
| Credit loss provision to net charge-offs | -569.3750% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9220% | 2,367 |
| Assets per employee ($millions) | 5.3007% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9909% | 838 |
| Loan loss allowance to noncurrent loans | 22.2995% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 13.8064% | 135 |
| Noncurrent loans to loans | 13.4125% | 155 |
| Net loans and leases to total assets | 67.7071% | 2,166 |
| Net loans and leases to deposits | 79.0775% | 2,333 |
| Net loans and leases to core deposits | 83.9986% | 2,545 |
| Total domestic deposits to total assets | 85.6212% | 3,728 |
| Equity capital to assets | 3.1579% | 7,229 |
| Core capital (leverage) ratio | 4.0041% | 7,177 |
| Tier 1 risk-based capital ratio | 5.2199% | 7,205 |
| Total risk-based capital ratio | 6.4875% | 7,207 |
| Memoranda: | ||
| Average total assets | $512,571,500 | 1,323 |
| Average earning assets | $437,290,000 | 1,400 |
| Average equity | $16,579,000 | 3,719 |
| Average total loans | $357,019,000 | 1,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 6,192 |
| Cost of funding earning assets | 1.8036% | 212 |
| Net interest margin | 2.3416% | 7,129 |
| Noninterest income to average assets | 2.4630% | 277 |
| Noninterest expense to average assets | 3.4754% | 2,051 |
| Loan and lease loss provision to assets | 1.6127% | 435 |
| Net operating income to assets | -1.0386% | 6,752 |
| Return on assets (ROA) | -1.5073% | 6,931 |
| Pretax return on assets | -1.0552% | 6,755 |
| Return on Equity (ROE) | -39.2713% | 7,157 |
| Retained earnings to average equity (ytd only) | -39.2713% | 7,152 |
| Net charge-offs to loans | 2.9192% | 343 |
| Credit loss provision to net charge-offs | 79.5943% | 4,472 |
| Earnings coverage of net charge-offs (x) | 0.5065% | 5,450 |
| Efficiency ratio | 77.1053% | 2,727 |
| Assets per employee ($millions) | 5.5487% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6039% | 1,190 |
| Loan loss allowance to noncurrent loans | 20.2884% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 13.3241% | 169 |
| Noncurrent loans to loans | 12.8343% | 183 |
| Net loans and leases to total assets | 67.7053% | 2,455 |
| Net loans and leases to deposits | 81.9869% | 2,205 |
| Net loans and leases to core deposits | 88.1264% | 2,360 |
| Total domestic deposits to total assets | 82.5806% | 4,935 |
| Equity capital to assets | 3.3084% | 7,261 |
| Core capital (leverage) ratio | 3.9708% | 7,211 |
| Tier 1 risk-based capital ratio | 5.1879% | 7,237 |
| Total risk-based capital ratio | 6.4515% | 7,239 |
| Memoranda: | ||
| Average total assets | $564,517,200 | 1,172 |
| Average earning assets | $491,457,600 | 1,236 |
| Average equity | $21,667,200 | 2,927 |
| Average total loans | $391,822,800 | 1,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 6,361 |
| Cost of funding earning assets | 1.8376% | 225 |
| Net interest margin | 2.2846% | 7,221 |
| Noninterest income to average assets | 2.3766% | 287 |
| Noninterest expense to average assets | 3.3077% | 2,473 |
| Loan and lease loss provision to assets | 1.3200% | 562 |
| Net operating income to assets | -0.6158% | 6,706 |
| Return on assets (ROA) | -0.9262% | 6,891 |
| Pretax return on assets | -0.5644% | 6,662 |
| Return on Equity (ROE) | -23.3986% | 7,147 |
| Retained earnings to average equity (ytd only) | -23.3986% | 7,136 |
| Net charge-offs to loans | 1.8586% | 712 |
| Credit loss provision to net charge-offs | 102.3544% | 3,258 |
| Earnings coverage of net charge-offs (x) | 0.8266% | 4,993 |
| Efficiency ratio | 75.5273% | 2,914 |
| Assets per employee ($millions) | 5.6937% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1847% | 734 |
| Loan loss allowance to noncurrent loans | 28.2353% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 12.0772% | 225 |
| Noncurrent loans to loans | 11.2792% | 276 |
| Net loans and leases to total assets | 66.9145% | 2,690 |
| Net loans and leases to deposits | 80.8773% | 2,543 |
| Net loans and leases to core deposits | 87.0149% | 2,632 |
| Total domestic deposits to total assets | 82.7358% | 4,781 |
| Equity capital to assets | 4.0362% | 7,322 |
| Core capital (leverage) ratio | 4.4601% | 7,278 |
| Tier 1 risk-based capital ratio | 5.8771% | 7,302 |
| Total risk-based capital ratio | 7.1472% | 7,302 |
| Memoranda: | ||
| Average total assets | $575,253,000 | 1,157 |
| Average earning assets | $502,827,000 | 1,208 |
| Average equity | $22,770,000 | 2,805 |
| Average total loans | $399,135,000 | 1,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 6,476 |
| Cost of funding earning assets | 1.8676% | 242 |
| Net interest margin | 2.2419% | 7,303 |
| Noninterest income to average assets | 2.5788% | 258 |
| Noninterest expense to average assets | 3.3526% | 2,394 |
| Loan and lease loss provision to assets | 1.6012% | 435 |
| Net operating income to assets | -0.7834% | 6,859 |
| Return on assets (ROA) | -1.1075% | 6,984 |
| Pretax return on assets | -0.7305% | 6,790 |
| Return on Equity (ROE) | -28.1510% | 7,225 |
| Retained earnings to average equity (ytd only) | -28.1510% | 7,215 |
| Net charge-offs to loans | 2.5267% | 461 |
| Credit loss provision to net charge-offs | 91.2216% | 3,422 |
| Earnings coverage of net charge-offs (x) | 0.6807% | 4,782 |
| Efficiency ratio | 73.6357% | 3,431 |
| Assets per employee ($millions) | 6.2894% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8989% | 982 |
| Loan loss allowance to noncurrent loans | 40.4306% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 8.7785% | 486 |
| Noncurrent loans to loans | 7.1701% | 703 |
| Net loans and leases to total assets | 67.7561% | 2,668 |
| Net loans and leases to deposits | 82.1321% | 2,434 |
| Net loans and leases to core deposits | 88.5605% | 2,555 |
| Total domestic deposits to total assets | 82.4965% | 4,990 |
| Equity capital to assets | 3.9844% | 7,390 |
| Core capital (leverage) ratio | 4.4313% | 7,344 |
| Tier 1 risk-based capital ratio | 5.9825% | 7,363 |
| Total risk-based capital ratio | 7.2504% | 7,368 |
| Memoranda: | ||
| Average total assets | $586,702,670 | 1,138 |
| Average earning assets | $515,197,000 | 1,183 |
| Average equity | $23,082,670 | 2,752 |
| Average total loans | $407,563,670 | 1,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 6,503 |
| Cost of funding earning assets | 1.8697% | 288 |
| Net interest margin | 2.2292% | 7,345 |
| Noninterest income to average assets | 2.5686% | 258 |
| Noninterest expense to average assets | 3.3763% | 2,342 |
| Loan and lease loss provision to assets | 2.3800% | 216 |
| Net operating income to assets | -1.4916% | 7,200 |
| Return on assets (ROA) | -1.8548% | 7,258 |
| Pretax return on assets | -1.5795% | 7,183 |
| Return on Equity (ROE) | -47.4257% | 7,406 |
| Retained earnings to average equity (ytd only) | -47.4257% | 7,393 |
| Net charge-offs to loans | 2.2055% | 551 |
| Credit loss provision to net charge-offs | 155.6670% | 1,842 |
| Earnings coverage of net charge-offs (x) | 0.7611% | 4,066 |
| Efficiency ratio | 74.2807% | 3,467 |
| Assets per employee ($millions) | 5.2950% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1561% | 798 |
| Loan loss allowance to noncurrent loans | 50.5852% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 7.1222% | 742 |
| Noncurrent loans to loans | 6.2392% | 988 |
| Net loans and leases to total assets | 65.7708% | 3,070 |
| Net loans and leases to deposits | 83.2817% | 2,138 |
| Net loans and leases to core deposits | 90.8057% | 2,261 |
| Total domestic deposits to total assets | 78.9738% | 6,197 |
| Equity capital to assets | 3.6499% | 7,462 |
| Core capital (leverage) ratio | 4.2733% | 7,411 |
| Tier 1 risk-based capital ratio | 5.8785% | 7,428 |
| Total risk-based capital ratio | 7.1511% | 7,432 |
| Memoranda: | ||
| Average total assets | $600,176,000 | 1,117 |
| Average earning assets | $530,782,500 | 1,155 |
| Average equity | $23,472,500 | 2,693 |
| Average total loans | $416,049,500 | 1,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 5,965 |
| Cost of funding earning assets | 2.1322% | 379 |
| Net interest margin | 2.5142% | 7,261 |
| Noninterest income to average assets | 2.2941% | 318 |
| Noninterest expense to average assets | 3.5206% | 2,120 |
| Loan and lease loss provision to assets | 1.8550% | 734 |
| Net operating income to assets | -1.8184% | 7,004 |
| Return on assets (ROA) | -1.9791% | 7,062 |
| Pretax return on assets | -1.0161% | 6,656 |
| Return on Equity (ROE) | -34.1261% | 7,282 |
| Retained earnings to average equity (ytd only) | -34.1261% | 7,272 |
| Net charge-offs to loans | 1.9354% | 1,062 |
| Credit loss provision to net charge-offs | 135.8170% | 2,845 |
| Earnings coverage of net charge-offs (x) | 0.7318% | 5,387 |
| Efficiency ratio | 77.7925% | 2,741 |
| Assets per employee ($millions) | 5.2806% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8133% | 1,038 |
| Loan loss allowance to noncurrent loans | 41.9622% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 7.3056% | 731 |
| Noncurrent loans to loans | 6.7043% | 869 |
| Net loans and leases to total assets | 68.7790% | 2,792 |
| Net loans and leases to deposits | 85.4117% | 2,205 |
| Net loans and leases to core deposits | 93.8191% | 2,279 |
| Total domestic deposits to total assets | 80.5264% | 5,677 |
| Equity capital to assets | 4.1797% | 7,499 |
| Core capital (leverage) ratio | 4.6624% | 7,444 |
| Tier 1 risk-based capital ratio | 6.4261% | 7,461 |
| Total risk-based capital ratio | 7.6945% | 7,463 |
| Memoranda: | ||
| Average total assets | $585,670,200 | 1,146 |
| Average earning assets | $518,534,000 | 1,188 |
| Average equity | $33,965,200 | 1,946 |
| Average total loans | $413,307,200 | 1,086 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 6,088 |
| Cost of funding earning assets | 2.1644% | 424 |
| Net interest margin | 2.5173% | 7,367 |
| Noninterest income to average assets | 1.6046% | 545 |
| Noninterest expense to average assets | 3.1295% | 3,192 |
| Loan and lease loss provision to assets | 1.0452% | 1,416 |
| Net operating income to assets | -0.3980% | 6,517 |
| Return on assets (ROA) | -0.5080% | 6,645 |
| Pretax return on assets | -0.4521% | 6,514 |
| Return on Equity (ROE) | -8.1814% | 6,847 |
| Retained earnings to average equity (ytd only) | -8.1814% | 6,784 |
| Net charge-offs to loans | 0.3489% | 3,913 |
| Credit loss provision to net charge-offs | 424.8609% | 713 |
| Earnings coverage of net charge-offs (x) | 2.8581% | 3,705 |
| Efficiency ratio | 81.5470% | 2,123 |
| Assets per employee ($millions) | 5.2168% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9929% | 824 |
| Loan loss allowance to noncurrent loans | 45.0265% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 6.7625% | 821 |
| Noncurrent loans to loans | 6.6471% | 881 |
| Net loans and leases to total assets | 67.0575% | 3,445 |
| Net loans and leases to deposits | 85.1743% | 2,491 |
| Net loans and leases to core deposits | 95.5015% | 2,321 |
| Total domestic deposits to total assets | 78.7297% | 6,084 |
| Equity capital to assets | 5.9247% | 7,497 |
| Core capital (leverage) ratio | 5.4920% | 7,499 |
| Tier 1 risk-based capital ratio | 7.3839% | 7,526 |
| Total risk-based capital ratio | 8.6533% | 7,526 |
| Memoranda: | ||
| Average total assets | $584,231,500 | 1,156 |
| Average earning assets | $517,092,750 | 1,198 |
| Average equity | $36,276,500 | 1,844 |
| Average total loans | $411,996,250 | 1,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 5,614 |
| Cost of funding earning assets | 2.2018% | 464 |
| Net interest margin | 2.6458% | 7,306 |
| Noninterest income to average assets | 1.0269% | 1,290 |
| Noninterest expense to average assets | 2.9782% | 3,793 |
| Loan and lease loss provision to assets | 0.9741% | 1,490 |
| Net operating income to assets | -0.5267% | 6,674 |
| Return on assets (ROA) | -0.4729% | 6,662 |
| Pretax return on assets | -0.5261% | 6,609 |
| Return on Equity (ROE) | -7.4971% | 6,865 |
| Retained earnings to average equity (ytd only) | -7.4971% | 6,777 |
| Net charge-offs to loans | 0.0613% | 5,531 |
| Credit loss provision to net charge-offs | 2,238.0952% | 183 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,085 |
| Efficiency ratio | 88.3802% | 1,473 |
| Assets per employee ($millions) | 5.1400% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7850% | 1,010 |
| Loan loss allowance to noncurrent loans | 44.6600% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 6.0133% | 978 |
| Noncurrent loans to loans | 6.2360% | 995 |
| Net loans and leases to total assets | 67.9348% | 3,379 |
| Net loans and leases to deposits | 87.3416% | 2,284 |
| Net loans and leases to core deposits | 102.2223% | 1,808 |
| Total domestic deposits to total assets | 77.7806% | 6,317 |
| Equity capital to assets | 6.0354% | 7,533 |
| Core capital (leverage) ratio | 5.6453% | 7,534 |
| Tier 1 risk-based capital ratio | 7.4248% | 7,564 |
| Total risk-based capital ratio | 8.6916% | 7,574 |
| Memoranda: | ||
| Average total assets | $578,998,670 | 1,173 |
| Average earning assets | $511,680,330 | 1,211 |
| Average equity | $36,520,670 | 1,819 |
| Average total loans | $411,091,670 | 1,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 5,127 |
| Cost of funding earning assets | 2.3182% | 407 |
| Net interest margin | 2.6595% | 7,334 |
| Noninterest income to average assets | 0.9706% | 1,390 |
| Noninterest expense to average assets | 3.0759% | 3,361 |
| Loan and lease loss provision to assets | 0.1276% | 5,301 |
| Net operating income to assets | 0.0948% | 6,038 |
| Return on assets (ROA) | 0.0309% | 6,334 |
| Pretax return on assets | 0.0344% | 6,292 |
| Return on Equity (ROE) | 0.4784% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.4784% | 5,641 |
| Net charge-offs to loans | -0.0353% | 7,243 |
| Credit loss provision to net charge-offs | -505.5556% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6592% | 1,231 |
| Assets per employee ($millions) | 5.0597% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 1,697 |
| Loan loss allowance to noncurrent loans | 39.4998% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 5.6648% | 1,079 |
| Noncurrent loans to loans | 5.6292% | 1,219 |
| Net loans and leases to total assets | 68.9827% | 3,158 |
| Net loans and leases to deposits | 86.8508% | 2,435 |
| Net loans and leases to core deposits | 110.4131% | 1,243 |
| Total domestic deposits to total assets | 79.4266% | 5,983 |
| Equity capital to assets | 6.3667% | 7,558 |
| Core capital (leverage) ratio | 6.1413% | 7,559 |
| Tier 1 risk-based capital ratio | 7.7482% | 7,638 |
| Total risk-based capital ratio | 9.0095% | 7,644 |
| Memoranda: | ||
| Average total assets | $570,376,000 | 1,222 |
| Average earning assets | $502,794,000 | 1,272 |
| Average equity | $36,788,000 | 1,830 |
| Average total loans | $408,307,000 | 1,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3310% | 5,020 |
| Cost of funding earning assets | 2.8152% | 427 |
| Net interest margin | 2.5158% | 7,415 |
| Noninterest income to average assets | 1.1452% | 1,176 |
| Noninterest expense to average assets | 3.0354% | 4,009 |
| Loan and lease loss provision to assets | 2.6580% | 722 |
| Net operating income to assets | -1.5791% | 6,899 |
| Return on assets (ROA) | -1.9520% | 7,072 |
| Pretax return on assets | -2.7729% | 7,228 |
| Return on Equity (ROE) | -25.8820% | 7,311 |
| Retained earnings to average equity (ytd only) | -25.8820% | 7,286 |
| Net charge-offs to loans | 2.6311% | 857 |
| Credit loss provision to net charge-offs | 135.6664% | 3,649 |
| Earnings coverage of net charge-offs (x) | 0.1872% | 5,962 |
| Efficiency ratio | 89.0919% | 1,788 |
| Assets per employee ($millions) | 5.0350% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1941% | 1,661 |
| Loan loss allowance to noncurrent loans | 54.2664% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 4.3735% | 1,484 |
| Noncurrent loans to loans | 4.0431% | 1,837 |
| Net loans and leases to total assets | 71.0680% | 2,977 |
| Net loans and leases to deposits | 89.2014% | 2,359 |
| Net loans and leases to core deposits | 117.0183% | 2,222 |
| Total domestic deposits to total assets | 79.6714% | 5,786 |
| Equity capital to assets | 6.5363% | 7,550 |
| Core capital (leverage) ratio | 6.1163% | 7,605 |
| Tier 1 risk-based capital ratio | 7.6671% | 7,681 |
| Total risk-based capital ratio | 8.9230% | 7,692 |
| Memoranda: | ||
| Average total assets | $570,995,400 | 1,215 |
| Average earning assets | $512,248,400 | 1,230 |
| Average equity | $43,064,600 | 1,550 |
| Average total loans | $425,180,800 | 1,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 5,244 |
| Cost of funding earning assets | 2.8734% | 498 |
| Net interest margin | 2.4628% | 7,497 |
| Noninterest income to average assets | 0.9663% | 1,717 |
| Noninterest expense to average assets | 2.9527% | 4,236 |
| Loan and lease loss provision to assets | 0.5858% | 3,043 |
| Net operating income to assets | -0.1924% | 6,049 |
| Return on assets (ROA) | -0.6213% | 6,550 |
| Pretax return on assets | -0.9542% | 6,648 |
| Return on Equity (ROE) | -7.9792% | 6,728 |
| Retained earnings to average equity (ytd only) | -7.9792% | 6,599 |
| Net charge-offs to loans | 0.3724% | 3,788 |
| Credit loss provision to net charge-offs | 209.9917% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.8368% | 5,219 |
| Efficiency ratio | 92.5421% | 1,496 |
| Assets per employee ($millions) | 5.2265% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,708 |
| Loan loss allowance to noncurrent loans | 45.0224% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 3.9764% | 1,616 |
| Noncurrent loans to loans | 3.2131% | 2,354 |
| Net loans and leases to total assets | 73.9556% | 2,534 |
| Net loans and leases to deposits | 94.4719% | 1,793 |
| Net loans and leases to core deposits | 126.5808% | 1,693 |
| Total domestic deposits to total assets | 78.2832% | 6,006 |
| Equity capital to assets | 7.9869% | 6,857 |
| Core capital (leverage) ratio | 7.9563% | 6,439 |
| Tier 1 risk-based capital ratio | 9.8728% | 7,076 |
| Total risk-based capital ratio | 11.1239% | 7,042 |
| Memoranda: | ||
| Average total assets | $574,023,500 | 1,217 |
| Average earning assets | $517,382,500 | 1,235 |
| Average equity | $44,698,250 | 1,523 |
| Average total loans | $429,951,750 | 1,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 5,441 |
| Cost of funding earning assets | 2.9541% | 529 |
| Net interest margin | 2.3878% | 7,583 |
| Noninterest income to average assets | 0.8994% | 1,995 |
| Noninterest expense to average assets | 2.9903% | 4,124 |
| Loan and lease loss provision to assets | 0.7049% | 2,316 |
| Net operating income to assets | -0.4739% | 6,523 |
| Return on assets (ROA) | -1.2780% | 7,159 |
| Pretax return on assets | -1.7224% | 7,181 |
| Return on Equity (ROE) | -16.5539% | 7,403 |
| Retained earnings to average equity (ytd only) | -16.5539% | 7,326 |
| Net charge-offs to loans | 0.4862% | 2,882 |
| Credit loss provision to net charge-offs | 193.6782% | 2,357 |
| Earnings coverage of net charge-offs (x) | 0.1724% | 5,499 |
| Efficiency ratio | 97.8077% | 1,272 |
| Assets per employee ($millions) | 4.9210% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 3,909 |
| Loan loss allowance to noncurrent loans | 72.8058% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.9176% | 2,185 |
| Noncurrent loans to loans | 1.8754% | 3,693 |
| Net loans and leases to total assets | 73.3747% | 2,866 |
| Net loans and leases to deposits | 92.7610% | 2,324 |
| Net loans and leases to core deposits | 126.8351% | 1,794 |
| Total domestic deposits to total assets | 79.1008% | 5,786 |
| Equity capital to assets | 7.4824% | 7,282 |
| Core capital (leverage) ratio | 7.7121% | 6,735 |
| Tier 1 risk-based capital ratio | 9.5058% | 7,387 |
| Total risk-based capital ratio | 10.7579% | 7,340 |
| Memoranda: | ||
| Average total assets | $573,726,670 | 1,234 |
| Average earning assets | $517,454,670 | 1,250 |
| Average equity | $44,291,670 | 1,542 |
| Average total loans | $429,461,670 | 1,162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 5,296 |
| Cost of funding earning assets | 3.0452% | 537 |
| Net interest margin | 2.3788% | 7,643 |
| Noninterest income to average assets | 0.9133% | 1,797 |
| Noninterest expense to average assets | 2.8878% | 4,198 |
| Loan and lease loss provision to assets | 0.4784% | 2,562 |
| Net operating income to assets | -0.2044% | 6,559 |
| Return on assets (ROA) | 0.1796% | 5,891 |
| Pretax return on assets | 0.2715% | 5,756 |
| Return on Equity (ROE) | 2.2901% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.2901% | 4,602 |
| Net charge-offs to loans | 0.1392% | 3,845 |
| Credit loss provision to net charge-offs | 457.7181% | 1,163 |
| Earnings coverage of net charge-offs (x) | 1.6376% | 3,912 |
| Efficiency ratio | 94.2674% | 1,416 |
| Assets per employee ($millions) | 4.8965% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 4,285 |
| Loan loss allowance to noncurrent loans | 61.6228% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.4038% | 1,595 |
| Noncurrent loans to loans | 2.0590% | 3,183 |
| Net loans and leases to total assets | 73.4368% | 2,906 |
| Net loans and leases to deposits | 93.0223% | 2,430 |
| Net loans and leases to core deposits | 128.4005% | 1,754 |
| Total domestic deposits to total assets | 78.9453% | 5,751 |
| Equity capital to assets | 7.7743% | 7,102 |
| Core capital (leverage) ratio | 8.1045% | 6,282 |
| Tier 1 risk-based capital ratio | 9.6101% | 7,330 |
| Total risk-based capital ratio | 10.7464% | 7,377 |
| Memoranda: | ||
| Average total assets | $570,253,500 | 1,248 |
| Average earning assets | $514,386,000 | 1,260 |
| Average equity | $44,713,500 | 1,534 |
| Average total loans | $428,210,000 | 1,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0089% | 1,114 |
| Cost of funding earning assets | 3.5858% | 409 |
| Net interest margin | 3.4231% | 5,567 |
| Noninterest income to average assets | 0.9106% | 1,917 |
| Noninterest expense to average assets | 3.2108% | 3,293 |
| Loan and lease loss provision to assets | 0.3680% | 3,475 |
| Net operating income to assets | 0.2894% | 5,578 |
| Return on assets (ROA) | 0.2978% | 5,365 |
| Pretax return on assets | 0.4534% | 5,114 |
| Return on Equity (ROE) | 3.6662% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.6662% | 2,869 |
| Net charge-offs to loans | 0.2963% | 3,414 |
| Credit loss provision to net charge-offs | 158.3264% | 3,280 |
| Earnings coverage of net charge-offs (x) | 3.4795% | 4,349 |
| Efficiency ratio | 79.7590% | 2,632 |
| Assets per employee ($millions) | 4.5017% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 4,897 |
| Loan loss allowance to noncurrent loans | 186.6464% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2674% | 2,149 |
| Noncurrent loans to loans | 0.6178% | 5,514 |
| Net loans and leases to total assets | 74.9465% | 2,891 |
| Net loans and leases to deposits | 95.6649% | 2,498 |
| Net loans and leases to core deposits | 125.9872% | 2,162 |
| Total domestic deposits to total assets | 78.3427% | 5,598 |
| Equity capital to assets | 7.9095% | 6,955 |
| Core capital (leverage) ratio | 8.0474% | 6,412 |
| Tier 1 risk-based capital ratio | 9.5672% | 7,235 |
| Total risk-based capital ratio | 10.6226% | 7,366 |
| Memoranda: | ||
| Average total assets | $514,138,800 | 1,310 |
| Average earning assets | $466,951,200 | 1,333 |
| Average equity | $41,759,400 | 1,605 |
| Average total loans | $403,329,200 | 1,203 |