Home > Franklin Savings Bank > Performance and Condition Ratios
Franklin Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,760 |
| Cost of funding earning assets | 1.4245% | 2,163 |
| Net interest margin | 2.7000% | 3,824 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.5836% | 2,056 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5879% | 3,465 |
| Return on assets (ROA) | 0.5893% | 3,456 |
| Pretax return on assets | 0.7598% | 3,313 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.8901% | 1,576 |
| Net charge-offs to loans | -0.0347% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.9756% | 1,352 |
| Assets per employee ($millions) | 6.9559% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 3,841 |
| Loan loss allowance to noncurrent loans | 2,826.8571% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,574 |
| Noncurrent loans to loans | 0.0302% | 3,522 |
| Net loans and leases to total assets | 73.1300% | 1,460 |
| Net loans and leases to deposits | 86.0515% | 1,611 |
| Net loans and leases to core deposits | 93.4991% | 1,803 |
| Total domestic deposits to total assets | 84.9800% | 2,320 |
| Equity capital to assets | 7.9444% | 3,456 |
| Core capital (leverage) ratio | 9.5007% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6595% | 1,638 |
| Memoranda: | ||
| Average total assets | $772,322,800 | 1,211 |
| Average earning assets | $723,628,800 | 1,197 |
| Average equity | $57,679,800 | 1,430 |
| Average total loans | $553,381,600 | 1,148 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,738 |
| Cost of funding earning assets | 1.3240% | 2,080 |
| Net interest margin | 2.7348% | 3,833 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.5952% | 1,958 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.5959% | 3,554 |
| Return on assets (ROA) | 0.5949% | 3,543 |
| Pretax return on assets | 0.7675% | 3,405 |
| Return on Equity (ROE) | 8.1000% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.0982% | 1,927 |
| Net charge-offs to loans | -0.0471% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.5541% | 1,316 |
| Assets per employee ($millions) | 6.7338% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 3,655 |
| Loan loss allowance to noncurrent loans | 2,910.6145% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,587 |
| Noncurrent loans to loans | 0.0317% | 3,544 |
| Net loans and leases to total assets | 72.2400% | 1,547 |
| Net loans and leases to deposits | 81.4515% | 1,941 |
| Net loans and leases to core deposits | 88.5565% | 2,020 |
| Total domestic deposits to total assets | 88.6900% | 1,347 |
| Equity capital to assets | 7.3010% | 3,466 |
| Core capital (leverage) ratio | 9.2994% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6360% | 1,673 |
| Memoranda: | ||
| Average total assets | $768,900,250 | 1,211 |
| Average earning assets | $720,421,500 | 1,198 |
| Average equity | $56,488,750 | 1,441 |
| Average total loans | $546,793,750 | 1,154 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,810 |
| Cost of funding earning assets | 1.1983% | 1,999 |
| Net interest margin | 2.7395% | 3,923 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.6243% | 1,863 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.5827% | 3,627 |
| Return on assets (ROA) | 0.5778% | 3,642 |
| Pretax return on assets | 0.7405% | 3,522 |
| Return on Equity (ROE) | 7.8500% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.8481% | 2,017 |
| Net charge-offs to loans | -0.0728% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.2298% | 1,240 |
| Assets per employee ($millions) | 6.6598% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 3,783 |
| Loan loss allowance to noncurrent loans | 7,446.2687% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,766 |
| Noncurrent loans to loans | 0.0121% | 3,694 |
| Net loans and leases to total assets | 69.8400% | 1,761 |
| Net loans and leases to deposits | 78.5858% | 2,085 |
| Net loans and leases to core deposits | 85.5306% | 2,107 |
| Total domestic deposits to total assets | 88.8700% | 1,301 |
| Equity capital to assets | 7.2455% | 3,664 |
| Core capital (leverage) ratio | 9.3246% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4439% | 1,740 |
| Memoranda: | ||
| Average total assets | $767,070,333 | 1,215 |
| Average earning assets | $719,039,000 | 1,201 |
| Average equity | $56,472,333 | 1,446 |
| Average total loans | $540,856,000 | 1,152 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,703 |
| Cost of funding earning assets | 1.0491% | 1,884 |
| Net interest margin | 2.8358% | 3,889 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.6755% | 1,739 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.5721% | 3,742 |
| Return on assets (ROA) | 0.5696% | 3,715 |
| Pretax return on assets | 0.7380% | 3,591 |
| Return on Equity (ROE) | 7.6700% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.6744% | 2,322 |
| Net charge-offs to loans | -0.1520% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.6757% | 1,193 |
| Assets per employee ($millions) | 6.1759% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 3,882 |
| Loan loss allowance to noncurrent loans | 7,014.7059% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,784 |
| Noncurrent loans to loans | 0.0127% | 3,727 |
| Net loans and leases to total assets | 70.5200% | 1,570 |
| Net loans and leases to deposits | 78.2749% | 1,942 |
| Net loans and leases to core deposits | 87.7108% | 1,762 |
| Total domestic deposits to total assets | 90.1000% | 1,125 |
| Equity capital to assets | 7.6168% | 3,499 |
| Core capital (leverage) ratio | 9.3269% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6626% | 1,742 |
| Memoranda: | ||
| Average total assets | $757,678,000 | 1,244 |
| Average earning assets | $709,928,000 | 1,225 |
| Average equity | $56,239,000 | 1,463 |
| Average total loans | $534,359,000 | 1,174 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 2,916 |
| Cost of funding earning assets | 0.3615% | 2,390 |
| Net interest margin | 3.1979% | 2,870 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.6265% | 1,749 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9648% | 2,700 |
| Return on assets (ROA) | 0.9579% | 2,684 |
| Pretax return on assets | 1.2678% | 2,207 |
| Return on Equity (ROE) | 12.3500% | 2,019 |
| Retained earnings to average equity (ytd only) | 12.3543% | 612 |
| Net charge-offs to loans | 0.0598% | 1,051 |
| Credit loss provision to net charge-offs | 285.9589% | 931 |
| Earnings coverage of net charge-offs (x) | 34.4966% | 1,594 |
| Efficiency ratio | 65.3611% | 2,311 |
| Assets per employee ($millions) | 6.2966% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 3,998 |
| Loan loss allowance to noncurrent loans | 6,292.7536% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,807 |
| Noncurrent loans to loans | 0.0130% | 3,741 |
| Net loans and leases to total assets | 69.3300% | 1,697 |
| Net loans and leases to deposits | 78.7490% | 1,875 |
| Net loans and leases to core deposits | 85.8504% | 1,763 |
| Total domestic deposits to total assets | 88.0400% | 2,063 |
| Equity capital to assets | 7.2304% | 3,534 |
| Core capital (leverage) ratio | 9.2272% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5594% | 1,770 |
| Memoranda: | ||
| Average total assets | $723,668,600 | 1,281 |
| Average earning assets | $677,173,200 | 1,268 |
| Average equity | $56,110,200 | 1,478 |
| Average total loans | $487,968,200 | 1,196 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 2,794 |
| Cost of funding earning assets | 0.2175% | 3,069 |
| Net interest margin | 3.2255% | 2,548 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 2.5906% | 1,736 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0338% | 2,346 |
| Return on assets (ROA) | 1.0252% | 2,363 |
| Pretax return on assets | 1.3587% | 1,853 |
| Return on Equity (ROE) | 12.9900% | 1,699 |
| Retained earnings to average equity (ytd only) | 12.9887% | 617 |
| Net charge-offs to loans | 0.0003% | 2,343 |
| Credit loss provision to net charge-offs | 61,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 7,945.0000% | 6 |
| Efficiency ratio | 63.5885% | 2,612 |
| Assets per employee ($millions) | 6.6825% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 3,982 |
| Loan loss allowance to noncurrent loans | 1,121.6285% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,349 |
| Noncurrent loans to loans | 0.0759% | 3,332 |
| Net loans and leases to total assets | 69.2100% | 1,548 |
| Net loans and leases to deposits | 79.6508% | 1,594 |
| Net loans and leases to core deposits | 83.9597% | 1,654 |
| Total domestic deposits to total assets | 86.9000% | 2,796 |
| Equity capital to assets | 7.0492% | 3,488 |
| Core capital (leverage) ratio | 9.3000% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4941% | 1,877 |
| Memoranda: | ||
| Average total assets | $714,112,750 | 1,303 |
| Average earning assets | $668,112,750 | 1,285 |
| Average equity | $56,365,750 | 1,492 |
| Average total loans | $476,818,000 | 1,216 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 2,705 |
| Cost of funding earning assets | 0.1288% | 3,853 |
| Net interest margin | 3.1815% | 2,249 |
| Noninterest income to average assets | 0.9482% | 753 |
| Noninterest expense to average assets | 2.6044% | 1,626 |
| Loan and lease loss provision to assets | 0.0511% | 1,666 |
| Net operating income to assets | 0.9649% | 2,294 |
| Return on assets (ROA) | 0.9443% | 2,355 |
| Pretax return on assets | 1.2461% | 1,910 |
| Return on Equity (ROE) | 11.5305% | 1,824 |
| Retained earnings to average equity (ytd only) | 11.5305% | 693 |
| Net charge-offs to loans | -0.0009% | 3,027 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3079% | 2,471 |
| Assets per employee ($millions) | 6.0866% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,151 |
| Loan loss allowance to noncurrent loans | 509.0793% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,952 |
| Noncurrent loans to loans | 0.1600% | 2,896 |
| Net loans and leases to total assets | 66.9312% | 1,594 |
| Net loans and leases to deposits | 75.6363% | 1,714 |
| Net loans and leases to core deposits | 79.7759% | 1,731 |
| Total domestic deposits to total assets | 88.4908% | 2,386 |
| Equity capital to assets | 7.4229% | 3,520 |
| Core capital (leverage) ratio | 9.3826% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0065% | 1,704 |
| Memoranda: | ||
| Average total assets | $704,897,333 | 1,313 |
| Average earning assets | $660,126,000 | 1,309 |
| Average equity | $57,725,000 | 1,485 |
| Average total loans | $463,156,333 | 1,236 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2526% | 2,525 |
| Cost of funding earning assets | 0.0988% | 4,144 |
| Net interest margin | 3.1539% | 2,010 |
| Noninterest income to average assets | 0.9373% | 785 |
| Noninterest expense to average assets | 2.6094% | 1,576 |
| Loan and lease loss provision to assets | 0.0518% | 1,451 |
| Net operating income to assets | 0.9385% | 2,116 |
| Return on assets (ROA) | 0.9149% | 2,228 |
| Pretax return on assets | 1.2037% | 1,799 |
| Return on Equity (ROE) | 10.6524% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.6524% | 862 |
| Net charge-offs to loans | -0.0027% | 3,153 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9966% | 2,635 |
| Assets per employee ($millions) | 5.9551% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 4,141 |
| Loan loss allowance to noncurrent loans | 372.0841% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,754 |
| Noncurrent loans to loans | 0.2298% | 2,674 |
| Net loans and leases to total assets | 64.2151% | 1,597 |
| Net loans and leases to deposits | 72.0136% | 1,774 |
| Net loans and leases to core deposits | 76.5858% | 1,740 |
| Total domestic deposits to total assets | 89.1708% | 1,992 |
| Equity capital to assets | 8.1117% | 3,485 |
| Core capital (leverage) ratio | 9.5291% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5381% | 1,634 |
| Memoranda: | ||
| Average total assets | $695,192,000 | 1,329 |
| Average earning assets | $651,900,500 | 1,324 |
| Average equity | $59,705,000 | 1,494 |
| Average total loans | $450,350,000 | 1,256 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 3,175 |
| Cost of funding earning assets | 0.1966% | 3,503 |
| Net interest margin | 3.1138% | 2,865 |
| Noninterest income to average assets | 0.9669% | 1,063 |
| Noninterest expense to average assets | 2.6722% | 1,710 |
| Loan and lease loss provision to assets | 0.0355% | 2,339 |
| Net operating income to assets | 0.9184% | 2,976 |
| Return on assets (ROA) | 0.9157% | 3,043 |
| Pretax return on assets | 1.1807% | 2,730 |
| Return on Equity (ROE) | 10.0631% | 2,500 |
| Retained earnings to average equity (ytd only) | 10.0631% | 904 |
| Net charge-offs to loans | -0.0014% | 3,319 |
| Credit loss provision to net charge-offs | -3,916.6667% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6618% | 1,901 |
| Assets per employee ($millions) | 5.6833% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,171 |
| Loan loss allowance to noncurrent loans | 341.9442% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,811 |
| Noncurrent loans to loans | 0.2493% | 2,731 |
| Net loans and leases to total assets | 64.2402% | 1,672 |
| Net loans and leases to deposits | 72.9755% | 1,815 |
| Net loans and leases to core deposits | 77.8637% | 1,776 |
| Total domestic deposits to total assets | 88.0298% | 2,030 |
| Equity capital to assets | 9.0753% | 3,542 |
| Core capital (leverage) ratio | 9.5082% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7935% | 1,581 |
| Memoranda: | ||
| Average total assets | $661,108,200 | 1,340 |
| Average earning assets | $621,017,000 | 1,336 |
| Average equity | $60,160,200 | 1,510 |
| Average total loans | $417,557,400 | 1,331 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,318 |
| Cost of funding earning assets | 0.2190% | 3,434 |
| Net interest margin | 3.1076% | 3,035 |
| Noninterest income to average assets | 0.9377% | 1,177 |
| Noninterest expense to average assets | 2.6800% | 1,638 |
| Loan and lease loss provision to assets | 0.0325% | 2,344 |
| Net operating income to assets | 0.8893% | 3,278 |
| Return on assets (ROA) | 0.8866% | 3,360 |
| Pretax return on assets | 1.1413% | 3,102 |
| Return on Equity (ROE) | 9.7361% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.7361% | 1,401 |
| Net charge-offs to loans | 0.0010% | 2,418 |
| Credit loss provision to net charge-offs | 5,333.3333% | 148 |
| Earnings coverage of net charge-offs (x) | 1,926.3333% | 74 |
| Efficiency ratio | 69.4782% | 1,660 |
| Assets per employee ($millions) | 5.6891% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,176 |
| Loan loss allowance to noncurrent loans | 327.6014% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 3,003 |
| Noncurrent loans to loans | 0.2713% | 2,831 |
| Net loans and leases to total assets | 61.1819% | 2,115 |
| Net loans and leases to deposits | 69.2316% | 2,309 |
| Net loans and leases to core deposits | 74.2474% | 2,211 |
| Total domestic deposits to total assets | 88.3728% | 1,634 |
| Equity capital to assets | 9.0721% | 3,765 |
| Core capital (leverage) ratio | 9.4477% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7118% | 1,423 |
| Memoranda: | ||
| Average total assets | $654,464,750 | 1,366 |
| Average earning assets | $614,860,500 | 1,359 |
| Average equity | $59,598,000 | 1,545 |
| Average total loans | $410,555,000 | 1,376 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3560% | 3,293 |
| Cost of funding earning assets | 0.2364% | 3,420 |
| Net interest margin | 3.1196% | 2,987 |
| Noninterest income to average assets | 0.9265% | 1,203 |
| Noninterest expense to average assets | 2.6883% | 1,619 |
| Loan and lease loss provision to assets | 0.0495% | 2,041 |
| Net operating income to assets | 0.8654% | 3,317 |
| Return on assets (ROA) | 0.8588% | 3,415 |
| Pretax return on assets | 1.1101% | 3,182 |
| Return on Equity (ROE) | 9.4183% | 2,974 |
| Retained earnings to average equity (ytd only) | 9.4183% | 1,582 |
| Net charge-offs to loans | -0.0005% | 3,042 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7130% | 1,681 |
| Assets per employee ($millions) | 5.8931% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,206 |
| Loan loss allowance to noncurrent loans | 293.7599% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 3,004 |
| Noncurrent loans to loans | 0.3002% | 2,851 |
| Net loans and leases to total assets | 62.7693% | 2,089 |
| Net loans and leases to deposits | 71.2363% | 2,274 |
| Net loans and leases to core deposits | 76.2965% | 2,211 |
| Total domestic deposits to total assets | 88.1143% | 1,764 |
| Equity capital to assets | 9.0351% | 3,764 |
| Core capital (leverage) ratio | 9.4881% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4519% | 1,483 |
| Memoranda: | ||
| Average total assets | $646,953,667 | 1,375 |
| Average earning assets | $607,571,333 | 1,366 |
| Average equity | $58,991,333 | 1,548 |
| Average total loans | $408,101,667 | 1,388 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 3,082 |
| Cost of funding earning assets | 0.2632% | 3,344 |
| Net interest margin | 3.1769% | 2,768 |
| Noninterest income to average assets | 0.8741% | 1,398 |
| Noninterest expense to average assets | 2.6505% | 1,740 |
| Loan and lease loss provision to assets | 0.0753% | 1,678 |
| Net operating income to assets | 0.8542% | 3,256 |
| Return on assets (ROA) | 0.8289% | 3,409 |
| Pretax return on assets | 1.1006% | 3,108 |
| Return on Equity (ROE) | 9.0473% | 3,022 |
| Retained earnings to average equity (ytd only) | 9.0473% | 1,942 |
| Net charge-offs to loans | -0.0010% | 3,050 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6941% | 1,846 |
| Assets per employee ($millions) | 5.7388% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,142 |
| Loan loss allowance to noncurrent loans | 284.3122% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,148 |
| Noncurrent loans to loans | 0.3181% | 2,956 |
| Net loans and leases to total assets | 62.7206% | 2,201 |
| Net loans and leases to deposits | 71.0321% | 2,416 |
| Net loans and leases to core deposits | 76.1557% | 2,336 |
| Total domestic deposits to total assets | 88.2989% | 1,701 |
| Equity capital to assets | 9.0966% | 3,596 |
| Core capital (leverage) ratio | 9.5786% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8773% | 1,338 |
| Memoranda: | ||
| Average total assets | $637,472,500 | 1,379 |
| Average earning assets | $598,821,500 | 1,374 |
| Average equity | $58,404,000 | 1,550 |
| Average total loans | $401,297,500 | 1,407 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 3,274 |
| Cost of funding earning assets | 0.5532% | 2,590 |
| Net interest margin | 3.2561% | 3,190 |
| Noninterest income to average assets | 0.8914% | 1,288 |
| Noninterest expense to average assets | 2.8612% | 1,783 |
| Loan and lease loss provision to assets | 0.1413% | 2,585 |
| Net operating income to assets | 0.7116% | 3,395 |
| Return on assets (ROA) | 0.7109% | 3,533 |
| Pretax return on assets | 0.9335% | 3,272 |
| Return on Equity (ROE) | 7.3322% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.3322% | 1,267 |
| Net charge-offs to loans | -0.0015% | 3,966 |
| Credit loss provision to net charge-offs | -13,650.0000% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6775% | 1,607 |
| Assets per employee ($millions) | 5.4034% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 4,185 |
| Loan loss allowance to noncurrent loans | 233.0059% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,078 |
| Noncurrent loans to loans | 0.3858% | 2,826 |
| Net loans and leases to total assets | 62.0412% | 2,606 |
| Net loans and leases to deposits | 70.8938% | 2,783 |
| Net loans and leases to core deposits | 76.4267% | 2,688 |
| Total domestic deposits to total assets | 87.5128% | 1,701 |
| Equity capital to assets | 9.2281% | 3,860 |
| Core capital (leverage) ratio | 9.7204% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3855% | 1,175 |
| Memoranda: | ||
| Average total assets | $579,651,400 | 1,370 |
| Average earning assets | $542,144,200 | 1,371 |
| Average equity | $56,204,400 | 1,523 |
| Average total loans | $394,333,000 | 1,378 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,215 |
| Cost of funding earning assets | 0.6362% | 2,398 |
| Net interest margin | 3.2751% | 3,261 |
| Noninterest income to average assets | 0.8882% | 1,263 |
| Noninterest expense to average assets | 2.8974% | 1,709 |
| Loan and lease loss provision to assets | 0.1645% | 2,355 |
| Net operating income to assets | 0.6802% | 3,518 |
| Return on assets (ROA) | 0.6752% | 3,651 |
| Pretax return on assets | 0.8790% | 3,436 |
| Return on Equity (ROE) | 6.8712% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.8712% | 1,750 |
| Net charge-offs to loans | -0.0017% | 3,867 |
| Credit loss provision to net charge-offs | -13,980.0000% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4021% | 1,471 |
| Assets per employee ($millions) | 5.3387% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,262 |
| Loan loss allowance to noncurrent loans | 208.3030% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 3,075 |
| Noncurrent loans to loans | 0.4024% | 2,850 |
| Net loans and leases to total assets | 67.4042% | 2,332 |
| Net loans and leases to deposits | 77.1949% | 2,628 |
| Net loans and leases to core deposits | 83.7950% | 2,495 |
| Total domestic deposits to total assets | 87.3169% | 1,537 |
| Equity capital to assets | 9.4975% | 3,688 |
| Core capital (leverage) ratio | 9.5116% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8431% | 1,289 |
| Memoranda: | ||
| Average total assets | $566,514,000 | 1,383 |
| Average earning assets | $529,145,750 | 1,378 |
| Average equity | $55,670,500 | 1,521 |
| Average total loans | $393,970,500 | 1,368 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,468 |
| Cost of funding earning assets | 0.7474% | 2,138 |
| Net interest margin | 3.2015% | 3,667 |
| Noninterest income to average assets | 0.8743% | 1,225 |
| Noninterest expense to average assets | 2.9748% | 1,646 |
| Loan and lease loss provision to assets | 0.1548% | 2,450 |
| Net operating income to assets | 0.5644% | 3,848 |
| Return on assets (ROA) | 0.5658% | 3,925 |
| Pretax return on assets | 0.7296% | 3,800 |
| Return on Equity (ROE) | 5.6885% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.6885% | 2,199 |
| Net charge-offs to loans | 0.0005% | 3,022 |
| Credit loss provision to net charge-offs | 42,900.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,446.0000% | 33 |
| Efficiency ratio | 77.1188% | 1,146 |
| Assets per employee ($millions) | 5.2923% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,450 |
| Loan loss allowance to noncurrent loans | 190.3070% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 3,219 |
| Noncurrent loans to loans | 0.3969% | 2,983 |
| Net loans and leases to total assets | 68.8495% | 2,207 |
| Net loans and leases to deposits | 79.1341% | 2,527 |
| Net loans and leases to core deposits | 85.1357% | 2,511 |
| Total domestic deposits to total assets | 87.0036% | 1,616 |
| Equity capital to assets | 9.3818% | 3,754 |
| Core capital (leverage) ratio | 9.9520% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1899% | 1,451 |
| Memoranda: | ||
| Average total assets | $554,260,667 | 1,385 |
| Average earning assets | $516,451,667 | 1,386 |
| Average equity | $55,128,667 | 1,523 |
| Average total loans | $388,604,333 | 1,361 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,378 |
| Cost of funding earning assets | 0.9025% | 1,851 |
| Net interest margin | 3.2469% | 3,734 |
| Noninterest income to average assets | 0.9628% | 930 |
| Noninterest expense to average assets | 3.1805% | 1,466 |
| Loan and lease loss provision to assets | 0.1812% | 1,646 |
| Net operating income to assets | 0.4780% | 3,951 |
| Return on assets (ROA) | 0.4810% | 3,997 |
| Pretax return on assets | 0.6177% | 3,892 |
| Return on Equity (ROE) | 4.6845% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.6845% | 2,425 |
| Net charge-offs to loans | 0.0032% | 2,474 |
| Credit loss provision to net charge-offs | 8,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 198 |
| Efficiency ratio | 80.0000% | 1,136 |
| Assets per employee ($millions) | 4.4673% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 4,433 |
| Loan loss allowance to noncurrent loans | 190.0192% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,276 |
| Noncurrent loans to loans | 0.4169% | 3,002 |
| Net loans and leases to total assets | 69.9629% | 2,257 |
| Net loans and leases to deposits | 80.8506% | 2,594 |
| Net loans and leases to core deposits | 84.7634% | 2,779 |
| Total domestic deposits to total assets | 86.5336% | 1,759 |
| Equity capital to assets | 10.3769% | 3,448 |
| Core capital (leverage) ratio | 10.4262% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3952% | 1,504 |
| Memoranda: | ||
| Average total assets | $529,731,000 | 1,398 |
| Average earning assets | $491,538,500 | 1,402 |
| Average equity | $54,392,000 | 1,534 |
| Average total loans | $373,634,500 | 1,373 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,964 |
| Cost of funding earning assets | 0.9872% | 1,779 |
| Net interest margin | 3.1479% | 4,291 |
| Noninterest income to average assets | 0.9896% | 990 |
| Noninterest expense to average assets | 3.1435% | 1,662 |
| Loan and lease loss provision to assets | 0.0469% | 3,088 |
| Net operating income to assets | 0.5737% | 4,235 |
| Return on assets (ROA) | 0.5793% | 4,276 |
| Pretax return on assets | 0.7264% | 4,149 |
| Return on Equity (ROE) | 5.6320% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.6320% | 2,080 |
| Net charge-offs to loans | 0.0023% | 3,618 |
| Credit loss provision to net charge-offs | 3,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 490.2500% | 191 |
| Efficiency ratio | 80.4008% | 912 |
| Assets per employee ($millions) | 4.4358% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 4,499 |
| Loan loss allowance to noncurrent loans | 180.6345% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,278 |
| Noncurrent loans to loans | 0.4063% | 2,983 |
| Net loans and leases to total assets | 70.0265% | 2,391 |
| Net loans and leases to deposits | 81.2073% | 2,642 |
| Net loans and leases to core deposits | 85.2977% | 2,847 |
| Total domestic deposits to total assets | 86.2317% | 1,971 |
| Equity capital to assets | 10.1580% | 3,780 |
| Core capital (leverage) ratio | 10.3666% | 3,108 |
| Tier 1 risk-based capital ratio | 15.1097% | 2,734 |
| Total risk-based capital ratio | 15.9133% | 2,840 |
| Memoranda: | ||
| Average total assets | $511,822,800 | 1,396 |
| Average earning assets | $474,786,200 | 1,403 |
| Average equity | $52,645,200 | 1,527 |
| Average total loans | $352,416,800 | 1,414 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 4,032 |
| Cost of funding earning assets | 0.9964% | 1,779 |
| Net interest margin | 3.1554% | 4,395 |
| Noninterest income to average assets | 0.9788% | 976 |
| Noninterest expense to average assets | 3.1362% | 1,619 |
| Loan and lease loss provision to assets | 0.0473% | 2,951 |
| Net operating income to assets | 0.5842% | 4,330 |
| Return on assets (ROA) | 0.5845% | 4,380 |
| Pretax return on assets | 0.7207% | 4,297 |
| Return on Equity (ROE) | 5.6638% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.6638% | 2,527 |
| Net charge-offs to loans | -0.0046% | 4,185 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3349% | 895 |
| Assets per employee ($millions) | 4.1803% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,505 |
| Loan loss allowance to noncurrent loans | 164.2073% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 3,212 |
| Noncurrent loans to loans | 0.4667% | 2,902 |
| Net loans and leases to total assets | 66.7361% | 2,955 |
| Net loans and leases to deposits | 76.9087% | 3,208 |
| Net loans and leases to core deposits | 80.8231% | 3,326 |
| Total domestic deposits to total assets | 86.7732% | 1,638 |
| Equity capital to assets | 10.1807% | 3,843 |
| Core capital (leverage) ratio | 10.3665% | 3,233 |
| Tier 1 risk-based capital ratio | 15.3481% | 2,690 |
| Total risk-based capital ratio | 16.1507% | 2,826 |
| Memoranda: | ||
| Average total assets | $507,813,750 | 1,412 |
| Average earning assets | $470,760,000 | 1,418 |
| Average equity | $52,401,500 | 1,534 |
| Average total loans | $347,427,500 | 1,441 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 4,144 |
| Cost of funding earning assets | 0.9820% | 1,783 |
| Net interest margin | 3.1251% | 4,493 |
| Noninterest income to average assets | 0.9616% | 949 |
| Noninterest expense to average assets | 3.1839% | 1,544 |
| Loan and lease loss provision to assets | 0.0477% | 2,861 |
| Net operating income to assets | 0.5198% | 4,485 |
| Return on assets (ROA) | 0.5202% | 4,514 |
| Pretax return on assets | 0.6224% | 4,497 |
| Return on Equity (ROE) | 5.0176% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.0176% | 2,764 |
| Net charge-offs to loans | -0.0075% | 4,238 |
| Credit loss provision to net charge-offs | -923.0769% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6213% | 762 |
| Assets per employee ($millions) | 4.3644% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 4,552 |
| Loan loss allowance to noncurrent loans | 260.1185% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,723 |
| Noncurrent loans to loans | 0.2954% | 3,474 |
| Net loans and leases to total assets | 65.5105% | 3,165 |
| Net loans and leases to deposits | 75.6996% | 3,359 |
| Net loans and leases to core deposits | 79.1891% | 3,490 |
| Total domestic deposits to total assets | 86.5402% | 1,802 |
| Equity capital to assets | 10.3486% | 3,649 |
| Core capital (leverage) ratio | 10.5392% | 3,046 |
| Tier 1 risk-based capital ratio | 15.6911% | 2,551 |
| Total risk-based capital ratio | 16.5079% | 2,667 |
| Memoranda: | ||
| Average total assets | $502,906,330 | 1,424 |
| Average earning assets | $465,395,330 | 1,433 |
| Average equity | $52,136,000 | 1,534 |
| Average total loans | $346,099,000 | 1,453 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,940 |
| Cost of funding earning assets | 0.9881% | 1,616 |
| Net interest margin | 3.1875% | 4,410 |
| Noninterest income to average assets | 0.9493% | 918 |
| Noninterest expense to average assets | 3.1964% | 1,499 |
| Loan and lease loss provision to assets | 0.0485% | 2,683 |
| Net operating income to assets | 0.5361% | 4,421 |
| Return on assets (ROA) | 0.5361% | 4,447 |
| Pretax return on assets | 0.6493% | 4,417 |
| Return on Equity (ROE) | 5.1665% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,830 |
| Net charge-offs to loans | 0.0012% | 2,722 |
| Credit loss provision to net charge-offs | 6,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 863.0000% | 68 |
| Efficiency ratio | 82.0806% | 865 |
| Assets per employee ($millions) | 4.4243% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,675 |
| Loan loss allowance to noncurrent loans | 319.6005% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,928 |
| Noncurrent loans to loans | 0.2325% | 3,745 |
| Net loans and leases to total assets | 67.7934% | 2,781 |
| Net loans and leases to deposits | 78.3101% | 3,029 |
| Net loans and leases to core deposits | 83.3092% | 3,082 |
| Total domestic deposits to total assets | 86.5704% | 2,024 |
| Equity capital to assets | 10.3138% | 3,516 |
| Core capital (leverage) ratio | 10.4820% | 3,069 |
| Tier 1 risk-based capital ratio | 15.7696% | 2,540 |
| Total risk-based capital ratio | 16.5792% | 2,650 |
| Memoranda: | ||
| Average total assets | $494,676,000 | 1,452 |
| Average earning assets | $457,031,500 | 1,461 |
| Average equity | $51,330,500 | 1,540 |
| Average total loans | $347,711,000 | 1,453 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,728 |
| Cost of funding earning assets | 0.7115% | 2,016 |
| Net interest margin | 3.3933% | 4,016 |
| Noninterest income to average assets | 1.0248% | 895 |
| Noninterest expense to average assets | 3.3066% | 1,308 |
| Loan and lease loss provision to assets | 0.0448% | 3,284 |
| Net operating income to assets | 0.6701% | 4,233 |
| Return on assets (ROA) | 0.6775% | 4,215 |
| Pretax return on assets | 0.8252% | 4,106 |
| Return on Equity (ROE) | 6.5941% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.5941% | 1,868 |
| Net charge-offs to loans | 0.0318% | 2,765 |
| Credit loss provision to net charge-offs | 190.9910% | 1,495 |
| Earnings coverage of net charge-offs (x) | 36.7117% | 1,409 |
| Efficiency ratio | 79.3430% | 1,013 |
| Assets per employee ($millions) | 4.3693% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 4,778 |
| Loan loss allowance to noncurrent loans | 265.2174% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 3,753 |
| Noncurrent loans to loans | 0.2687% | 3,615 |
| Net loans and leases to total assets | 71.8442% | 2,288 |
| Net loans and leases to deposits | 83.6981% | 2,544 |
| Net loans and leases to core deposits | 88.9621% | 2,658 |
| Total domestic deposits to total assets | 85.8374% | 2,311 |
| Equity capital to assets | 10.4419% | 3,245 |
| Core capital (leverage) ratio | 10.6241% | 2,910 |
| Tier 1 risk-based capital ratio | 15.8776% | 2,458 |
| Total risk-based capital ratio | 16.6762% | 2,570 |
| Memoranda: | ||
| Average total assets | $473,353,800 | 1,476 |
| Average earning assets | $438,397,200 | 1,482 |
| Average equity | $48,634,600 | 1,551 |
| Average total loans | $348,945,200 | 1,409 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 3,735 |
| Cost of funding earning assets | 0.6682% | 2,042 |
| Net interest margin | 3.3982% | 4,011 |
| Noninterest income to average assets | 1.0135% | 935 |
| Noninterest expense to average assets | 3.3695% | 1,165 |
| Loan and lease loss provision to assets | 0.0431% | 3,130 |
| Net operating income to assets | 0.6259% | 4,432 |
| Return on assets (ROA) | 0.6337% | 4,420 |
| Pretax return on assets | 0.7595% | 4,402 |
| Return on Equity (ROE) | 6.1938% | 4,204 |
| Retained earnings to average equity (ytd only) | 6.1938% | 2,552 |
| Net charge-offs to loans | 0.0168% | 2,835 |
| Credit loss provision to net charge-offs | 345.4545% | 913 |
| Earnings coverage of net charge-offs (x) | 63.6085% | 1,018 |
| Efficiency ratio | 80.9436% | 866 |
| Assets per employee ($millions) | 4.2799% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,867 |
| Loan loss allowance to noncurrent loans | 305.8537% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 4,114 |
| Noncurrent loans to loans | 0.2307% | 3,882 |
| Net loans and leases to total assets | 72.3279% | 2,286 |
| Net loans and leases to deposits | 84.1426% | 2,585 |
| Net loans and leases to core deposits | 88.4681% | 2,798 |
| Total domestic deposits to total assets | 85.9587% | 2,221 |
| Equity capital to assets | 9.9844% | 3,664 |
| Core capital (leverage) ratio | 10.5123% | 3,070 |
| Tier 1 risk-based capital ratio | 15.5101% | 2,651 |
| Total risk-based capital ratio | 16.3247% | 2,773 |
| Memoranda: | ||
| Average total assets | $470,445,500 | 1,496 |
| Average earning assets | $435,978,250 | 1,494 |
| Average equity | $48,132,750 | 1,563 |
| Average total loans | $348,447,500 | 1,411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,708 |
| Cost of funding earning assets | 0.6151% | 2,133 |
| Net interest margin | 3.4105% | 3,918 |
| Noninterest income to average assets | 1.0047% | 950 |
| Noninterest expense to average assets | 3.3416% | 1,228 |
| Loan and lease loss provision to assets | 0.0456% | 2,991 |
| Net operating income to assets | 0.7081% | 4,174 |
| Return on assets (ROA) | 0.7210% | 4,142 |
| Pretax return on assets | 0.7916% | 4,271 |
| Return on Equity (ROE) | 6.9881% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.9881% | 2,075 |
| Net charge-offs to loans | 0.0300% | 2,261 |
| Credit loss provision to net charge-offs | 203.8462% | 1,288 |
| Earnings coverage of net charge-offs (x) | 36.7692% | 1,356 |
| Efficiency ratio | 80.2377% | 987 |
| Assets per employee ($millions) | 4.1529% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 4,951 |
| Loan loss allowance to noncurrent loans | 394.5338% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,350 |
| Noncurrent loans to loans | 0.1765% | 4,113 |
| Net loans and leases to total assets | 73.2876% | 2,078 |
| Net loans and leases to deposits | 85.6913% | 2,351 |
| Net loans and leases to core deposits | 89.3344% | 2,621 |
| Total domestic deposits to total assets | 85.5251% | 2,485 |
| Equity capital to assets | 10.1573% | 3,478 |
| Core capital (leverage) ratio | 10.9085% | 2,597 |
| Tier 1 risk-based capital ratio | 15.5766% | 2,602 |
| Total risk-based capital ratio | 16.3876% | 2,730 |
| Memoranda: | ||
| Average total assets | $464,624,000 | 1,520 |
| Average earning assets | $430,490,330 | 1,514 |
| Average equity | $47,938,670 | 1,571 |
| Average total loans | $346,129,000 | 1,421 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,398 |
| Cost of funding earning assets | 0.5713% | 2,247 |
| Net interest margin | 3.4827% | 3,596 |
| Noninterest income to average assets | 0.9875% | 936 |
| Noninterest expense to average assets | 3.4399% | 1,101 |
| Loan and lease loss provision to assets | 0.0533% | 2,710 |
| Net operating income to assets | 0.6601% | 4,243 |
| Return on assets (ROA) | 0.6601% | 4,250 |
| Pretax return on assets | 0.7194% | 4,387 |
| Return on Equity (ROE) | 6.3458% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.3458% | 2,566 |
| Net charge-offs to loans | 0.0175% | 2,160 |
| Credit loss provision to net charge-offs | 406.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 852 |
| Efficiency ratio | 81.6580% | 984 |
| Assets per employee ($millions) | 4.1144% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 5,019 |
| Loan loss allowance to noncurrent loans | 268.4962% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 3,941 |
| Noncurrent loans to loans | 0.2631% | 3,821 |
| Net loans and leases to total assets | 74.6228% | 1,769 |
| Net loans and leases to deposits | 88.6969% | 1,843 |
| Net loans and leases to core deposits | 100.6557% | 1,638 |
| Total domestic deposits to total assets | 84.1323% | 3,273 |
| Equity capital to assets | 10.3624% | 3,207 |
| Core capital (leverage) ratio | 10.7031% | 2,737 |
| Tier 1 risk-based capital ratio | 15.2757% | 2,752 |
| Total risk-based capital ratio | 16.0928% | 2,889 |
| Memoranda: | ||
| Average total assets | $458,146,500 | 1,547 |
| Average earning assets | $424,268,500 | 1,539 |
| Average equity | $47,653,500 | 1,593 |
| Average total loans | $342,963,500 | 1,432 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,465 |
| Cost of funding earning assets | 0.5270% | 2,117 |
| Net interest margin | 3.4544% | 3,675 |
| Noninterest income to average assets | 1.0040% | 1,011 |
| Noninterest expense to average assets | 3.3949% | 1,206 |
| Loan and lease loss provision to assets | 0.0587% | 3,060 |
| Net operating income to assets | 0.4629% | 4,486 |
| Return on assets (ROA) | 0.4719% | 4,485 |
| Pretax return on assets | 0.7658% | 4,347 |
| Return on Equity (ROE) | 4.5638% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.5638% | 2,419 |
| Net charge-offs to loans | 0.0298% | 3,203 |
| Credit loss provision to net charge-offs | 265.6566% | 1,054 |
| Earnings coverage of net charge-offs (x) | 36.7071% | 1,330 |
| Efficiency ratio | 80.7286% | 1,041 |
| Assets per employee ($millions) | 4.0668% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,057 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 4,117 |
| Noncurrent loans to loans | 0.2261% | 4,001 |
| Net loans and leases to total assets | 74.0339% | 1,916 |
| Net loans and leases to deposits | 88.5017% | 1,957 |
| Net loans and leases to core deposits | 101.5482% | 1,584 |
| Total domestic deposits to total assets | 83.6525% | 3,330 |
| Equity capital to assets | 10.4408% | 3,226 |
| Core capital (leverage) ratio | 10.5758% | 2,769 |
| Tier 1 risk-based capital ratio | 15.1886% | 2,753 |
| Total risk-based capital ratio | 16.0018% | 2,899 |
| Memoranda: | ||
| Average total assets | $448,413,800 | 1,551 |
| Average earning assets | $415,553,800 | 1,545 |
| Average equity | $46,364,400 | 1,624 |
| Average total loans | $331,824,600 | 1,443 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,495 |
| Cost of funding earning assets | 0.5230% | 2,090 |
| Net interest margin | 3.4350% | 3,722 |
| Noninterest income to average assets | 0.9946% | 1,040 |
| Noninterest expense to average assets | 3.4377% | 1,088 |
| Loan and lease loss provision to assets | 0.0648% | 2,777 |
| Net operating income to assets | 0.4978% | 4,735 |
| Return on assets (ROA) | 0.5018% | 4,758 |
| Pretax return on assets | 0.6818% | 4,650 |
| Return on Equity (ROE) | 4.8653% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.8653% | 2,976 |
| Net charge-offs to loans | 0.0226% | 3,013 |
| Credit loss provision to net charge-offs | 387.5000% | 788 |
| Earnings coverage of net charge-offs (x) | 44.3421% | 1,210 |
| Efficiency ratio | 82.2630% | 892 |
| Assets per employee ($millions) | 3.8170% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 5,120 |
| Loan loss allowance to noncurrent loans | 301.5094% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,399 |
| Noncurrent loans to loans | 0.2355% | 4,117 |
| Net loans and leases to total assets | 74.4308% | 1,850 |
| Net loans and leases to deposits | 87.9610% | 2,070 |
| Net loans and leases to core deposits | 99.5451% | 1,745 |
| Total domestic deposits to total assets | 84.6180% | 2,877 |
| Equity capital to assets | 10.4512% | 3,422 |
| Core capital (leverage) ratio | 10.4798% | 3,010 |
| Tier 1 risk-based capital ratio | 15.3222% | 2,785 |
| Total risk-based capital ratio | 16.1558% | 2,886 |
| Memoranda: | ||
| Average total assets | $446,646,750 | 1,565 |
| Average earning assets | $414,040,750 | 1,563 |
| Average equity | $46,066,500 | 1,648 |
| Average total loans | $329,878,000 | 1,458 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 3,715 |
| Cost of funding earning assets | 0.5144% | 2,061 |
| Net interest margin | 3.3366% | 3,993 |
| Noninterest income to average assets | 0.9623% | 1,106 |
| Noninterest expense to average assets | 3.3692% | 1,231 |
| Loan and lease loss provision to assets | 0.0651% | 2,669 |
| Net operating income to assets | 0.4707% | 4,788 |
| Return on assets (ROA) | 0.4769% | 4,801 |
| Pretax return on assets | 0.6296% | 4,740 |
| Return on Equity (ROE) | 4.6446% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.6446% | 2,948 |
| Net charge-offs to loans | 0.0226% | 2,773 |
| Credit loss provision to net charge-offs | 391.8919% | 793 |
| Earnings coverage of net charge-offs (x) | 41.3243% | 1,223 |
| Efficiency ratio | 83.0713% | 915 |
| Assets per employee ($millions) | 3.7711% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 5,179 |
| Loan loss allowance to noncurrent loans | 309.2348% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,516 |
| Noncurrent loans to loans | 0.2307% | 4,203 |
| Net loans and leases to total assets | 72.0833% | 2,187 |
| Net loans and leases to deposits | 85.9532% | 2,233 |
| Net loans and leases to core deposits | 98.5942% | 1,758 |
| Total domestic deposits to total assets | 83.8633% | 3,253 |
| Equity capital to assets | 10.2788% | 3,593 |
| Core capital (leverage) ratio | 10.6573% | 2,752 |
| Tier 1 risk-based capital ratio | 15.2801% | 2,813 |
| Total risk-based capital ratio | 16.1052% | 2,916 |
| Memoranda: | ||
| Average total assets | $445,392,670 | 1,578 |
| Average earning assets | $412,937,670 | 1,567 |
| Average equity | $45,731,000 | 1,659 |
| Average total loans | $327,290,670 | 1,469 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 3,615 |
| Cost of funding earning assets | 0.5168% | 1,958 |
| Net interest margin | 3.3248% | 3,931 |
| Noninterest income to average assets | 0.9026% | 1,232 |
| Noninterest expense to average assets | 3.4412% | 1,121 |
| Loan and lease loss provision to assets | 0.0652% | 2,497 |
| Net operating income to assets | 0.3869% | 4,981 |
| Return on assets (ROA) | 0.3920% | 4,989 |
| Pretax return on assets | 0.4835% | 5,000 |
| Return on Equity (ROE) | 3.8201% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.8201% | 3,546 |
| Net charge-offs to loans | 0.0416% | 1,994 |
| Credit loss provision to net charge-offs | 211.7647% | 980 |
| Earnings coverage of net charge-offs (x) | 17.6176% | 1,595 |
| Efficiency ratio | 86.3864% | 775 |
| Assets per employee ($millions) | 3.8620% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 5,320 |
| Loan loss allowance to noncurrent loans | 202.5847% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,126 |
| Noncurrent loans to loans | 0.3432% | 3,875 |
| Net loans and leases to total assets | 73.0924% | 1,897 |
| Net loans and leases to deposits | 86.7832% | 1,942 |
| Net loans and leases to core deposits | 98.8078% | 1,599 |
| Total domestic deposits to total assets | 84.2241% | 3,382 |
| Equity capital to assets | 10.2754% | 3,434 |
| Core capital (leverage) ratio | 10.5692% | 2,823 |
| Tier 1 risk-based capital ratio | 15.1040% | 2,920 |
| Total risk-based capital ratio | 15.8947% | 3,067 |
| Memoranda: | ||
| Average total assets | $441,821,500 | 1,599 |
| Average earning assets | $409,404,000 | 1,594 |
| Average equity | $45,339,000 | 1,671 |
| Average total loans | $326,663,000 | 1,476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,013 |
| Cost of funding earning assets | 0.6010% | 1,323 |
| Net interest margin | 3.1626% | 4,556 |
| Noninterest income to average assets | 0.9866% | 1,179 |
| Noninterest expense to average assets | 3.3738% | 1,417 |
| Loan and lease loss provision to assets | 0.1258% | 1,973 |
| Net operating income to assets | 0.3366% | 5,119 |
| Return on assets (ROA) | 0.3457% | 5,177 |
| Pretax return on assets | 0.4226% | 5,181 |
| Return on Equity (ROE) | 3.3463% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.3463% | 3,539 |
| Net charge-offs to loans | 0.0386% | 3,255 |
| Credit loss provision to net charge-offs | 450.4132% | 713 |
| Earnings coverage of net charge-offs (x) | 19.2397% | 1,922 |
| Efficiency ratio | 86.2631% | 804 |
| Assets per employee ($millions) | 3.8219% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 5,386 |
| Loan loss allowance to noncurrent loans | 167.3653% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,057 |
| Noncurrent loans to loans | 0.4093% | 3,681 |
| Net loans and leases to total assets | 73.7616% | 1,884 |
| Net loans and leases to deposits | 89.2688% | 1,769 |
| Net loans and leases to core deposits | 101.2534% | 1,512 |
| Total domestic deposits to total assets | 82.6286% | 3,885 |
| Equity capital to assets | 10.2481% | 3,450 |
| Core capital (leverage) ratio | 10.6571% | 2,713 |
| Tier 1 risk-based capital ratio | 15.1570% | 2,899 |
| Total risk-based capital ratio | 15.9383% | 3,051 |
| Memoranda: | ||
| Average total assets | $433,303,600 | 1,569 |
| Average earning assets | $400,683,000 | 1,562 |
| Average equity | $44,765,400 | 1,668 |
| Average total loans | $313,450,200 | 1,472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 4,110 |
| Cost of funding earning assets | 0.6130% | 1,248 |
| Net interest margin | 3.1296% | 4,700 |
| Noninterest income to average assets | 0.9817% | 1,187 |
| Noninterest expense to average assets | 3.3497% | 1,457 |
| Loan and lease loss provision to assets | 0.1461% | 1,605 |
| Net operating income to assets | 0.3166% | 5,250 |
| Return on assets (ROA) | 0.3236% | 5,311 |
| Pretax return on assets | 0.3876% | 5,329 |
| Return on Equity (ROE) | 3.1262% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.1262% | 4,043 |
| Net charge-offs to loans | 0.0524% | 2,616 |
| Credit loss provision to net charge-offs | 387.7049% | 858 |
| Earnings coverage of net charge-offs (x) | 13.9428% | 2,266 |
| Efficiency ratio | 86.4441% | 789 |
| Assets per employee ($millions) | 3.7931% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 5,478 |
| Loan loss allowance to noncurrent loans | 204.2493% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 4,466 |
| Noncurrent loans to loans | 0.3304% | 4,076 |
| Net loans and leases to total assets | 72.9939% | 2,020 |
| Net loans and leases to deposits | 87.8051% | 2,043 |
| Net loans and leases to core deposits | 92.3082% | 2,347 |
| Total domestic deposits to total assets | 83.1317% | 3,532 |
| Equity capital to assets | 10.4035% | 3,674 |
| Core capital (leverage) ratio | 10.5118% | 2,983 |
| Tier 1 risk-based capital ratio | 15.1301% | 2,982 |
| Total risk-based capital ratio | 15.9027% | 3,155 |
| Memoranda: | ||
| Average total assets | $431,750,500 | 1,568 |
| Average earning assets | $399,142,000 | 1,573 |
| Average equity | $44,696,250 | 1,676 |
| Average total loans | $310,205,250 | 1,484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,194 |
| Cost of funding earning assets | 0.6264% | 1,154 |
| Net interest margin | 3.1025% | 4,826 |
| Noninterest income to average assets | 0.9752% | 1,188 |
| Noninterest expense to average assets | 3.3324% | 1,531 |
| Loan and lease loss provision to assets | 0.1311% | 1,739 |
| Net operating income to assets | 0.3167% | 5,270 |
| Return on assets (ROA) | 0.3272% | 5,329 |
| Pretax return on assets | 0.3905% | 5,361 |
| Return on Equity (ROE) | 3.1663% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.1663% | 3,885 |
| Net charge-offs to loans | 0.0743% | 2,121 |
| Credit loss provision to net charge-offs | 247.3684% | 1,115 |
| Earnings coverage of net charge-offs (x) | 9.6053% | 2,405 |
| Efficiency ratio | 86.7498% | 816 |
| Assets per employee ($millions) | 3.9441% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 5,634 |
| Loan loss allowance to noncurrent loans | 168.5690% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,394 |
| Noncurrent loans to loans | 0.3775% | 4,011 |
| Net loans and leases to total assets | 70.5756% | 2,387 |
| Net loans and leases to deposits | 86.0858% | 2,244 |
| Net loans and leases to core deposits | 90.0273% | 2,531 |
| Total domestic deposits to total assets | 81.9829% | 4,005 |
| Equity capital to assets | 10.2887% | 3,878 |
| Core capital (leverage) ratio | 10.6029% | 2,850 |
| Tier 1 risk-based capital ratio | 15.5187% | 2,854 |
| Total risk-based capital ratio | 16.2533% | 3,023 |
| Memoranda: | ||
| Average total assets | $430,264,330 | 1,577 |
| Average earning assets | $397,485,000 | 1,586 |
| Average equity | $44,468,000 | 1,690 |
| Average total loans | $306,750,670 | 1,496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,067 |
| Cost of funding earning assets | 0.6423% | 1,093 |
| Net interest margin | 3.1259% | 4,792 |
| Noninterest income to average assets | 0.9313% | 1,229 |
| Noninterest expense to average assets | 3.2976% | 1,609 |
| Loan and lease loss provision to assets | 0.1379% | 1,519 |
| Net operating income to assets | 0.3142% | 5,262 |
| Return on assets (ROA) | 0.3142% | 5,348 |
| Pretax return on assets | 0.3808% | 5,348 |
| Return on Equity (ROE) | 3.0330% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.0330% | 3,995 |
| Net charge-offs to loans | 0.0788% | 1,698 |
| Credit loss provision to net charge-offs | 245.0000% | 957 |
| Earnings coverage of net charge-offs (x) | 9.2167% | 2,003 |
| Efficiency ratio | 86.4094% | 943 |
| Assets per employee ($millions) | 3.8744% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6199% | 5,716 |
| Loan loss allowance to noncurrent loans | 130.0685% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,540 |
| Noncurrent loans to loans | 0.4766% | 3,756 |
| Net loans and leases to total assets | 71.4384% | 2,121 |
| Net loans and leases to deposits | 88.8029% | 1,723 |
| Net loans and leases to core deposits | 93.6350% | 2,034 |
| Total domestic deposits to total assets | 80.4460% | 4,653 |
| Equity capital to assets | 10.4157% | 3,595 |
| Core capital (leverage) ratio | 10.5788% | 2,878 |
| Tier 1 risk-based capital ratio | 15.5460% | 2,891 |
| Total risk-based capital ratio | 16.2429% | 3,098 |
| Memoranda: | ||
| Average total assets | $426,496,500 | 1,590 |
| Average earning assets | $393,611,000 | 1,594 |
| Average equity | $44,180,000 | 1,699 |
| Average total loans | $304,646,500 | 1,503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 4,155 |
| Cost of funding earning assets | 0.6514% | 1,070 |
| Net interest margin | 3.1114% | 4,876 |
| Noninterest income to average assets | 1.0465% | 1,080 |
| Noninterest expense to average assets | 3.3535% | 1,600 |
| Loan and lease loss provision to assets | 0.0922% | 2,462 |
| Net operating income to assets | 0.3692% | 5,146 |
| Return on assets (ROA) | 0.3888% | 5,168 |
| Pretax return on assets | 0.4803% | 5,153 |
| Return on Equity (ROE) | 3.5614% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.5614% | 3,529 |
| Net charge-offs to loans | 0.0533% | 3,136 |
| Credit loss provision to net charge-offs | 251.3514% | 1,148 |
| Earnings coverage of net charge-offs (x) | 14.9459% | 2,247 |
| Efficiency ratio | 85.9502% | 994 |
| Assets per employee ($millions) | 3.8108% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 5,800 |
| Loan loss allowance to noncurrent loans | 165.6908% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 3,836 |
| Noncurrent loans to loans | 0.3608% | 4,160 |
| Net loans and leases to total assets | 70.5524% | 2,287 |
| Net loans and leases to deposits | 92.2318% | 1,378 |
| Net loans and leases to core deposits | 97.0970% | 1,748 |
| Total domestic deposits to total assets | 76.4946% | 5,389 |
| Equity capital to assets | 10.3020% | 3,620 |
| Core capital (leverage) ratio | 10.6863% | 2,722 |
| Tier 1 risk-based capital ratio | 16.0787% | 2,655 |
| Total risk-based capital ratio | 16.7715% | 2,855 |
| Memoranda: | ||
| Average total assets | $403,518,600 | 1,632 |
| Average earning assets | $370,288,400 | 1,641 |
| Average equity | $44,056,000 | 1,674 |
| Average total loans | $277,578,600 | 1,579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 4,309 |
| Cost of funding earning assets | 0.6569% | 1,055 |
| Net interest margin | 3.0791% | 5,013 |
| Noninterest income to average assets | 1.0611% | 1,064 |
| Noninterest expense to average assets | 3.3549% | 1,569 |
| Loan and lease loss provision to assets | 0.0634% | 2,916 |
| Net operating income to assets | 0.3703% | 5,260 |
| Return on assets (ROA) | 0.3966% | 5,269 |
| Pretax return on assets | 0.4962% | 5,229 |
| Return on Equity (ROE) | 3.5784% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.5784% | 3,921 |
| Net charge-offs to loans | 0.0703% | 2,561 |
| Credit loss provision to net charge-offs | 132.1678% | 1,857 |
| Earnings coverage of net charge-offs (x) | 10.9861% | 2,541 |
| Efficiency ratio | 86.4312% | 973 |
| Assets per employee ($millions) | 3.6587% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 5,975 |
| Loan loss allowance to noncurrent loans | 102.2542% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 4,075 |
| Noncurrent loans to loans | 0.5342% | 3,739 |
| Net loans and leases to total assets | 72.5633% | 1,973 |
| Net loans and leases to deposits | 92.9014% | 1,318 |
| Net loans and leases to core deposits | 98.0081% | 1,695 |
| Total domestic deposits to total assets | 78.1079% | 5,162 |
| Equity capital to assets | 10.9008% | 3,127 |
| Core capital (leverage) ratio | 10.8448% | 2,652 |
| Tier 1 risk-based capital ratio | 16.0978% | 2,755 |
| Total risk-based capital ratio | 16.7652% | 2,964 |
| Memoranda: | ||
| Average total assets | $397,696,000 | 1,673 |
| Average earning assets | $364,301,250 | 1,678 |
| Average equity | $44,077,500 | 1,681 |
| Average total loans | $271,239,500 | 1,622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,504 |
| Cost of funding earning assets | 0.6581% | 1,059 |
| Net interest margin | 3.0125% | 5,195 |
| Noninterest income to average assets | 1.0481% | 1,080 |
| Noninterest expense to average assets | 3.3754% | 1,519 |
| Loan and lease loss provision to assets | 0.0366% | 3,390 |
| Net operating income to assets | 0.3210% | 5,384 |
| Return on assets (ROA) | 0.3617% | 5,367 |
| Pretax return on assets | 0.4445% | 5,364 |
| Return on Equity (ROE) | 3.2452% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.2452% | 3,982 |
| Net charge-offs to loans | 0.0275% | 3,120 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,605 |
| Efficiency ratio | 88.6813% | 858 |
| Assets per employee ($millions) | 3.6169% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 6,015 |
| Loan loss allowance to noncurrent loans | 43.8767% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 2,659 |
| Noncurrent loans to loans | 1.3049% | 2,058 |
| Net loans and leases to total assets | 68.9590% | 2,490 |
| Net loans and leases to deposits | 90.2815% | 1,562 |
| Net loans and leases to core deposits | 95.1783% | 1,864 |
| Total domestic deposits to total assets | 76.3822% | 5,547 |
| Equity capital to assets | 10.7914% | 3,123 |
| Core capital (leverage) ratio | 11.2188% | 2,229 |
| Tier 1 risk-based capital ratio | 15.9664% | 2,877 |
| Total risk-based capital ratio | 16.6545% | 3,095 |
| Memoranda: | ||
| Average total assets | $393,671,670 | 1,698 |
| Average earning assets | $360,430,670 | 1,701 |
| Average equity | $43,880,670 | 1,696 |
| Average total loans | $261,994,330 | 1,672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,253 |
| Cost of funding earning assets | 0.6683% | 1,007 |
| Net interest margin | 3.0652% | 5,042 |
| Noninterest income to average assets | 0.9861% | 1,147 |
| Noninterest expense to average assets | 3.3810% | 1,526 |
| Loan and lease loss provision to assets | 0.0363% | 3,172 |
| Net operating income to assets | 0.2991% | 5,423 |
| Return on assets (ROA) | 0.3729% | 5,296 |
| Pretax return on assets | 0.4630% | 5,281 |
| Return on Equity (ROE) | 3.2900% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.2900% | 4,012 |
| Net charge-offs to loans | 0.0669% | 2,068 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | 9.3810% | 2,015 |
| Efficiency ratio | 89.2291% | 916 |
| Assets per employee ($millions) | 3.5662% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 6,033 |
| Loan loss allowance to noncurrent loans | 40.3576% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 2,452 |
| Noncurrent loans to loans | 1.5349% | 1,827 |
| Net loans and leases to total assets | 65.2122% | 2,896 |
| Net loans and leases to deposits | 81.6711% | 2,378 |
| Net loans and leases to core deposits | 84.8229% | 2,679 |
| Total domestic deposits to total assets | 79.8474% | 5,084 |
| Equity capital to assets | 11.3379% | 2,611 |
| Core capital (leverage) ratio | 11.2474% | 2,194 |
| Tier 1 risk-based capital ratio | 16.8006% | 2,558 |
| Total risk-based capital ratio | 17.5115% | 2,738 |
| Memoranda: | ||
| Average total assets | $386,155,000 | 1,728 |
| Average earning assets | $353,123,500 | 1,737 |
| Average equity | $43,768,500 | 1,702 |
| Average total loans | $251,260,500 | 1,735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 4,369 |
| Cost of funding earning assets | 0.6787% | 1,213 |
| Net interest margin | 3.1583% | 5,048 |
| Noninterest income to average assets | 0.9440% | 1,366 |
| Noninterest expense to average assets | 3.2562% | 2,053 |
| Loan and lease loss provision to assets | 0.0207% | 4,200 |
| Net operating income to assets | 0.4482% | 5,033 |
| Return on assets (ROA) | 0.4564% | 5,082 |
| Pretax return on assets | 0.5644% | 5,059 |
| Return on Equity (ROE) | 3.9829% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.9829% | 3,380 |
| Net charge-offs to loans | 0.0086% | 4,743 |
| Credit loss provision to net charge-offs | 371.4286% | 705 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 511 |
| Efficiency ratio | 84.9917% | 1,286 |
| Assets per employee ($millions) | 3.7242% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 6,086 |
| Loan loss allowance to noncurrent loans | 41.2208% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 2,604 |
| Noncurrent loans to loans | 1.5559% | 1,884 |
| Net loans and leases to total assets | 64.0948% | 3,212 |
| Net loans and leases to deposits | 82.6815% | 2,387 |
| Net loans and leases to core deposits | 85.3129% | 2,750 |
| Total domestic deposits to total assets | 77.5201% | 5,520 |
| Equity capital to assets | 11.3309% | 2,580 |
| Core capital (leverage) ratio | 11.3472% | 2,094 |
| Tier 1 risk-based capital ratio | 18.6033% | 1,960 |
| Total risk-based capital ratio | 19.3326% | 2,075 |
| Memoranda: | ||
| Average total assets | $376,179,000 | 1,735 |
| Average earning assets | $343,884,800 | 1,741 |
| Average equity | $43,109,400 | 1,672 |
| Average total loans | $243,863,400 | 1,728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,389 |
| Cost of funding earning assets | 0.6805% | 1,254 |
| Net interest margin | 3.1649% | 5,079 |
| Noninterest income to average assets | 0.9432% | 1,381 |
| Noninterest expense to average assets | 3.2385% | 2,060 |
| Loan and lease loss provision to assets | 0.0321% | 3,767 |
| Net operating income to assets | 0.4524% | 5,067 |
| Return on assets (ROA) | 0.4570% | 5,127 |
| Pretax return on assets | 0.5692% | 5,130 |
| Return on Equity (ROE) | 3.9763% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.9763% | 3,820 |
| Net charge-offs to loans | -0.0598% | 5,973 |
| Credit loss provision to net charge-offs | -82.5688% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4667% | 1,331 |
| Assets per employee ($millions) | 3.6384% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 6,093 |
| Loan loss allowance to noncurrent loans | 41.4728% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 2,590 |
| Noncurrent loans to loans | 1.7026% | 1,914 |
| Net loans and leases to total assets | 63.6409% | 3,237 |
| Net loans and leases to deposits | 80.4928% | 2,618 |
| Net loans and leases to core deposits | 84.2053% | 2,859 |
| Total domestic deposits to total assets | 79.0641% | 5,311 |
| Equity capital to assets | 11.4714% | 2,510 |
| Core capital (leverage) ratio | 11.2713% | 2,245 |
| Tier 1 risk-based capital ratio | 18.9966% | 1,906 |
| Total risk-based capital ratio | 19.7920% | 1,998 |
| Memoranda: | ||
| Average total assets | $374,324,750 | 1,760 |
| Average earning assets | $341,907,250 | 1,752 |
| Average equity | $43,020,500 | 1,680 |
| Average total loans | $242,966,250 | 1,748 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 4,190 |
| Cost of funding earning assets | 0.6772% | 1,324 |
| Net interest margin | 3.2096% | 4,908 |
| Noninterest income to average assets | 0.9307% | 1,390 |
| Noninterest expense to average assets | 3.2645% | 2,009 |
| Loan and lease loss provision to assets | 0.0560% | 3,177 |
| Net operating income to assets | 0.4358% | 5,075 |
| Return on assets (ROA) | 0.4428% | 5,121 |
| Pretax return on assets | 0.5487% | 5,136 |
| Return on Equity (ROE) | 3.8501% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.8501% | 3,726 |
| Net charge-offs to loans | 0.1065% | 2,615 |
| Credit loss provision to net charge-offs | 80.6202% | 2,323 |
| Earnings coverage of net charge-offs (x) | 8.5891% | 2,471 |
| Efficiency ratio | 84.5596% | 1,436 |
| Assets per employee ($millions) | 3.7200% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 6,290 |
| Loan loss allowance to noncurrent loans | 41.0529% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 2,902 |
| Noncurrent loans to loans | 1.5009% | 2,319 |
| Net loans and leases to total assets | 63.3537% | 3,188 |
| Net loans and leases to deposits | 82.2214% | 2,225 |
| Net loans and leases to core deposits | 85.2477% | 2,585 |
| Total domestic deposits to total assets | 77.0526% | 5,794 |
| Equity capital to assets | 11.3176% | 2,590 |
| Core capital (leverage) ratio | 11.5175% | 1,985 |
| Tier 1 risk-based capital ratio | 18.8909% | 1,949 |
| Total risk-based capital ratio | 19.5875% | 2,084 |
| Memoranda: | ||
| Average total assets | $371,757,000 | 1,765 |
| Average earning assets | $339,356,000 | 1,772 |
| Average equity | $42,752,670 | 1,669 |
| Average total loans | $242,336,670 | 1,743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 3,966 |
| Cost of funding earning assets | 0.6809% | 1,357 |
| Net interest margin | 3.2498% | 4,746 |
| Noninterest income to average assets | 0.8709% | 1,483 |
| Noninterest expense to average assets | 3.2629% | 2,033 |
| Loan and lease loss provision to assets | 0.0601% | 2,902 |
| Net operating income to assets | 0.4312% | 5,008 |
| Return on assets (ROA) | 0.4349% | 5,054 |
| Pretax return on assets | 0.5147% | 5,123 |
| Return on Equity (ROE) | 3.7506% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.7506% | 3,878 |
| Net charge-offs to loans | 0.0895% | 2,267 |
| Credit loss provision to net charge-offs | 101.8519% | 1,632 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,918 |
| Efficiency ratio | 85.1197% | 1,532 |
| Assets per employee ($millions) | 3.6737% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 6,372 |
| Loan loss allowance to noncurrent loans | 40.1100% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 3,052 |
| Noncurrent loans to loans | 1.5642% | 2,469 |
| Net loans and leases to total assets | 66.0061% | 2,566 |
| Net loans and leases to deposits | 83.4467% | 1,885 |
| Net loans and leases to core deposits | 87.1625% | 2,181 |
| Total domestic deposits to total assets | 79.0998% | 5,667 |
| Equity capital to assets | 11.6398% | 2,144 |
| Core capital (leverage) ratio | 11.3701% | 2,079 |
| Tier 1 risk-based capital ratio | 18.7011% | 2,059 |
| Total risk-based capital ratio | 19.4151% | 2,198 |
| Memoranda: | ||
| Average total assets | $366,054,000 | 1,794 |
| Average earning assets | $333,684,500 | 1,808 |
| Average equity | $42,446,500 | 1,682 |
| Average total loans | $241,378,500 | 1,752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,949 |
| Cost of funding earning assets | 0.7706% | 1,373 |
| Net interest margin | 3.2706% | 4,774 |
| Noninterest income to average assets | 0.9642% | 1,482 |
| Noninterest expense to average assets | 3.1832% | 2,473 |
| Loan and lease loss provision to assets | 0.0676% | 3,780 |
| Net operating income to assets | 0.5393% | 4,560 |
| Return on assets (ROA) | 0.5393% | 4,684 |
| Pretax return on assets | 0.7037% | 4,529 |
| Return on Equity (ROE) | 4.8054% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.5623% | 2,915 |
| Net charge-offs to loans | 0.1106% | 3,718 |
| Credit loss provision to net charge-offs | 91.5129% | 2,714 |
| Earnings coverage of net charge-offs (x) | 10.4354% | 2,364 |
| Efficiency ratio | 80.4939% | 2,076 |
| Assets per employee ($millions) | 3.7218% | 4,429 |
| Cash dividends to net income (ytd only)* | 5.0582% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 6,429 |
| Loan loss allowance to noncurrent loans | 43.0017% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 3,284 |
| Noncurrent loans to loans | 1.4903% | 2,658 |
| Net loans and leases to total assets | 65.0355% | 2,857 |
| Net loans and leases to deposits | 84.6601% | 1,844 |
| Net loans and leases to core deposits | 87.6980% | 2,274 |
| Total domestic deposits to total assets | 76.8196% | 6,002 |
| Equity capital to assets | 11.5513% | 2,129 |
| Core capital (leverage) ratio | 11.3790% | 2,051 |
| Tier 1 risk-based capital ratio | 18.6150% | 2,049 |
| Total risk-based capital ratio | 19.3361% | 2,187 |
| Memoranda: | ||
| Average total assets | $366,611,000 | 1,777 |
| Average earning assets | $335,202,000 | 1,773 |
| Average equity | $41,141,600 | 1,701 |
| Average total loans | $245,120,200 | 1,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,907 |
| Cost of funding earning assets | 0.7935% | 1,364 |
| Net interest margin | 3.2628% | 4,780 |
| Noninterest income to average assets | 0.9811% | 1,507 |
| Noninterest expense to average assets | 3.1644% | 2,464 |
| Loan and lease loss provision to assets | 0.0621% | 3,799 |
| Net operating income to assets | 0.5543% | 4,562 |
| Return on assets (ROA) | 0.5543% | 4,709 |
| Pretax return on assets | 0.7402% | 4,533 |
| Return on Equity (ROE) | 4.9754% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,359 |
| Net charge-offs to loans | 0.1232% | 3,308 |
| Credit loss provision to net charge-offs | 75.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 9.6887% | 2,449 |
| Efficiency ratio | 79.7729% | 2,136 |
| Assets per employee ($millions) | 3.6363% | 4,585 |
| Cash dividends to net income (ytd only)* | 6.5531% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 6,557 |
| Loan loss allowance to noncurrent loans | 42.1765% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1057% | 3,444 |
| Noncurrent loans to loans | 1.4293% | 3,018 |
| Net loans and leases to total assets | 67.1639% | 2,433 |
| Net loans and leases to deposits | 85.1405% | 1,729 |
| Net loans and leases to core deposits | 88.8273% | 2,097 |
| Total domestic deposits to total assets | 78.8860% | 5,765 |
| Equity capital to assets | 11.1993% | 2,565 |
| Core capital (leverage) ratio | 10.9899% | 2,493 |
| Tier 1 risk-based capital ratio | 17.6520% | 2,457 |
| Total risk-based capital ratio | 18.3336% | 2,639 |
| Memoranda: | ||
| Average total assets | $367,079,000 | 1,788 |
| Average earning assets | $335,895,750 | 1,781 |
| Average equity | $40,894,000 | 1,724 |
| Average total loans | $246,715,250 | 1,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,945 |
| Cost of funding earning assets | 0.8302% | 1,257 |
| Net interest margin | 3.2141% | 4,894 |
| Noninterest income to average assets | 0.9645% | 1,617 |
| Noninterest expense to average assets | 3.1088% | 2,634 |
| Loan and lease loss provision to assets | 0.0654% | 3,720 |
| Net operating income to assets | 0.5433% | 4,586 |
| Return on assets (ROA) | 0.5433% | 4,758 |
| Pretax return on assets | 0.7291% | 4,582 |
| Return on Equity (ROE) | 4.8855% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.3954% | 3,473 |
| Net charge-offs to loans | 0.0967% | 3,393 |
| Credit loss provision to net charge-offs | 100.8403% | 2,186 |
| Earnings coverage of net charge-offs (x) | 12.2521% | 1,991 |
| Efficiency ratio | 79.6454% | 2,206 |
| Assets per employee ($millions) | 3.8172% | 4,177 |
| Cash dividends to net income (ytd only)* | 10.0301% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6217% | 6,587 |
| Loan loss allowance to noncurrent loans | 38.3609% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 3,387 |
| Noncurrent loans to loans | 1.6207% | 2,877 |
| Net loans and leases to total assets | 67.0855% | 2,399 |
| Net loans and leases to deposits | 87.3680% | 1,415 |
| Net loans and leases to core deposits | 90.5243% | 1,862 |
| Total domestic deposits to total assets | 76.7849% | 6,156 |
| Equity capital to assets | 11.0463% | 2,705 |
| Core capital (leverage) ratio | 11.0592% | 2,297 |
| Tier 1 risk-based capital ratio | 17.5193% | 2,508 |
| Total risk-based capital ratio | 18.2281% | 2,692 |
| Memoranda: | ||
| Average total assets | $367,017,330 | 1,785 |
| Average earning assets | $335,586,330 | 1,786 |
| Average equity | $40,815,000 | 1,729 |
| Average total loans | $246,232,000 | 1,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,520 |
| Cost of funding earning assets | 0.8823% | 1,072 |
| Net interest margin | 3.2655% | 4,654 |
| Noninterest income to average assets | 0.9010% | 1,757 |
| Noninterest expense to average assets | 3.0137% | 2,942 |
| Loan and lease loss provision to assets | 0.0712% | 3,444 |
| Net operating income to assets | 0.5824% | 4,301 |
| Return on assets (ROA) | 0.5824% | 4,451 |
| Pretax return on assets | 0.7980% | 4,177 |
| Return on Equity (ROE) | 5.2193% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.2193% | 3,101 |
| Net charge-offs to loans | 0.1064% | 2,809 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 12.2154% | 1,616 |
| Efficiency ratio | 77.6149% | 2,674 |
| Assets per employee ($millions) | 3.8034% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 6,669 |
| Loan loss allowance to noncurrent loans | 36.6533% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 3,355 |
| Noncurrent loans to loans | 1.7194% | 2,966 |
| Net loans and leases to total assets | 67.0665% | 2,179 |
| Net loans and leases to deposits | 85.7872% | 1,372 |
| Net loans and leases to core deposits | 89.6305% | 1,735 |
| Total domestic deposits to total assets | 78.1778% | 6,090 |
| Equity capital to assets | 11.2507% | 2,675 |
| Core capital (leverage) ratio | 10.9145% | 2,336 |
| Tier 1 risk-based capital ratio | 17.5038% | 2,558 |
| Total risk-based capital ratio | 18.2205% | 2,740 |
| Memoranda: | ||
| Average total assets | $365,392,000 | 1,805 |
| Average earning assets | $333,670,000 | 1,817 |
| Average equity | $40,772,000 | 1,754 |
| Average total loans | $244,373,000 | 1,700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 4,248 |
| Cost of funding earning assets | 1.0207% | 1,250 |
| Net interest margin | 3.2656% | 5,374 |
| Noninterest income to average assets | 1.0275% | 1,459 |
| Noninterest expense to average assets | 3.3893% | 2,073 |
| Loan and lease loss provision to assets | 0.0951% | 4,477 |
| Net operating income to assets | 0.4221% | 5,001 |
| Return on assets (ROA) | 0.4721% | 5,048 |
| Pretax return on assets | 0.5784% | 5,059 |
| Return on Equity (ROE) | 4.3102% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.3102% | 3,188 |
| Net charge-offs to loans | 0.1876% | 3,876 |
| Credit loss provision to net charge-offs | 75.3813% | 3,994 |
| Earnings coverage of net charge-offs (x) | 4.8562% | 3,226 |
| Efficiency ratio | 84.6941% | 1,546 |
| Assets per employee ($millions) | 3.8090% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 6,712 |
| Loan loss allowance to noncurrent loans | 32.0206% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 3,147 |
| Noncurrent loans to loans | 2.0015% | 2,691 |
| Net loans and leases to total assets | 65.8437% | 2,551 |
| Net loans and leases to deposits | 86.9332% | 1,392 |
| Net loans and leases to core deposits | 90.3504% | 1,795 |
| Total domestic deposits to total assets | 75.7406% | 6,387 |
| Equity capital to assets | 11.0663% | 2,874 |
| Core capital (leverage) ratio | 10.9031% | 2,340 |
| Tier 1 risk-based capital ratio | 17.5910% | 2,420 |
| Total risk-based capital ratio | 18.3134% | 2,587 |
| Memoranda: | ||
| Average total assets | $363,907,000 | 1,788 |
| Average earning assets | $331,455,000 | 1,787 |
| Average equity | $39,859,000 | 1,747 |
| Average total loans | $244,662,000 | 1,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 4,298 |
| Cost of funding earning assets | 1.0431% | 1,317 |
| Net interest margin | 3.2954% | 5,405 |
| Noninterest income to average assets | 0.9717% | 1,591 |
| Noninterest expense to average assets | 3.4030% | 1,994 |
| Loan and lease loss provision to assets | 0.0954% | 4,383 |
| Net operating income to assets | 0.3931% | 5,274 |
| Return on assets (ROA) | 0.4607% | 5,241 |
| Pretax return on assets | 0.5539% | 5,289 |
| Return on Equity (ROE) | 4.2174% | 5,184 |
| Retained earnings to average equity (ytd only) | 4.2174% | 3,925 |
| Net charge-offs to loans | 0.2387% | 3,289 |
| Credit loss provision to net charge-offs | 59.2255% | 4,158 |
| Earnings coverage of net charge-offs (x) | 3.5262% | 3,609 |
| Efficiency ratio | 85.6998% | 1,410 |
| Assets per employee ($millions) | 3.5646% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 6,863 |
| Loan loss allowance to noncurrent loans | 32.9274% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 3,499 |
| Noncurrent loans to loans | 1.8326% | 3,030 |
| Net loans and leases to total assets | 66.7139% | 2,516 |
| Net loans and leases to deposits | 86.5795% | 1,534 |
| Net loans and leases to core deposits | 90.5824% | 1,915 |
| Total domestic deposits to total assets | 77.0551% | 6,221 |
| Equity capital to assets | 11.0458% | 3,213 |
| Core capital (leverage) ratio | 10.4471% | 2,979 |
| Tier 1 risk-based capital ratio | 16.9596% | 2,750 |
| Total risk-based capital ratio | 17.6322% | 3,037 |
| Memoranda: | ||
| Average total assets | $363,468,750 | 1,817 |
| Average earning assets | $330,793,000 | 1,811 |
| Average equity | $39,707,500 | 1,766 |
| Average total loans | $245,248,250 | 1,692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 4,284 |
| Cost of funding earning assets | 1.0698% | 1,358 |
| Net interest margin | 3.3048% | 5,424 |
| Noninterest income to average assets | 1.0015% | 1,461 |
| Noninterest expense to average assets | 3.4071% | 2,017 |
| Loan and lease loss provision to assets | 0.1391% | 3,779 |
| Net operating income to assets | 0.3808% | 5,292 |
| Return on assets (ROA) | 0.4826% | 5,149 |
| Pretax return on assets | 0.5830% | 5,199 |
| Return on Equity (ROE) | 4.4337% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.4337% | 3,652 |
| Net charge-offs to loans | 0.0482% | 4,722 |
| Credit loss provision to net charge-offs | 427.1186% | 695 |
| Earnings coverage of net charge-offs (x) | 18.4068% | 1,487 |
| Efficiency ratio | 85.0351% | 1,530 |
| Assets per employee ($millions) | 3.6920% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 6,770 |
| Loan loss allowance to noncurrent loans | 40.7675% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 3,635 |
| Noncurrent loans to loans | 1.8253% | 3,184 |
| Net loans and leases to total assets | 67.1627% | 2,437 |
| Net loans and leases to deposits | 89.8822% | 1,158 |
| Net loans and leases to core deposits | 93.4296% | 1,657 |
| Total domestic deposits to total assets | 74.7231% | 6,610 |
| Equity capital to assets | 10.7919% | 3,349 |
| Core capital (leverage) ratio | 10.7253% | 2,571 |
| Tier 1 risk-based capital ratio | 16.8570% | 2,738 |
| Total risk-based capital ratio | 17.6928% | 2,912 |
| Memoranda: | ||
| Average total assets | $362,240,670 | 1,822 |
| Average earning assets | $329,398,670 | 1,824 |
| Average equity | $39,425,000 | 1,764 |
| Average total loans | $244,854,670 | 1,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 4,229 |
| Cost of funding earning assets | 1.0944% | 1,431 |
| Net interest margin | 3.3287% | 5,370 |
| Noninterest income to average assets | 0.8998% | 1,748 |
| Noninterest expense to average assets | 3.3560% | 2,128 |
| Loan and lease loss provision to assets | 0.1461% | 3,538 |
| Net operating income to assets | 0.3849% | 5,324 |
| Return on assets (ROA) | 0.3869% | 5,492 |
| Pretax return on assets | 0.4248% | 5,655 |
| Return on Equity (ROE) | 3.5394% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.5394% | 4,461 |
| Net charge-offs to loans | 0.2195% | 2,828 |
| Credit loss provision to net charge-offs | 98.4962% | 2,400 |
| Earnings coverage of net charge-offs (x) | 3.8346% | 2,733 |
| Efficiency ratio | 85.5114% | 1,526 |
| Assets per employee ($millions) | 3.6806% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 6,909 |
| Loan loss allowance to noncurrent loans | 38.4030% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 3,752 |
| Noncurrent loans to loans | 1.7544% | 3,481 |
| Net loans and leases to total assets | 68.0124% | 2,115 |
| Net loans and leases to deposits | 88.0894% | 1,151 |
| Net loans and leases to core deposits | 91.5350% | 1,698 |
| Total domestic deposits to total assets | 77.2083% | 6,367 |
| Equity capital to assets | 10.9439% | 2,972 |
| Core capital (leverage) ratio | 10.7066% | 2,536 |
| Tier 1 risk-based capital ratio | 16.8069% | 2,757 |
| Total risk-based capital ratio | 17.5574% | 2,972 |
| Memoranda: | ||
| Average total assets | $358,760,000 | 1,844 |
| Average earning assets | $326,011,000 | 1,848 |
| Average equity | $39,215,500 | 1,769 |
| Average total loans | $242,369,500 | 1,705 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 5,035 |
| Cost of funding earning assets | 1.1636% | 2,259 |
| Net interest margin | 3.3462% | 5,662 |
| Noninterest income to average assets | 0.8995% | 1,672 |
| Noninterest expense to average assets | 3.3010% | 2,518 |
| Loan and lease loss provision to assets | 0.1407% | 4,861 |
| Net operating income to assets | 0.4080% | 4,825 |
| Return on assets (ROA) | 0.4209% | 4,960 |
| Pretax return on assets | 0.5108% | 4,959 |
| Return on Equity (ROE) | 3.8693% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.8693% | 3,453 |
| Net charge-offs to loans | 0.2119% | 4,462 |
| Credit loss provision to net charge-offs | 102.2403% | 3,391 |
| Earnings coverage of net charge-offs (x) | 4.6212% | 3,044 |
| Efficiency ratio | 83.8494% | 1,782 |
| Assets per employee ($millions) | 3.6042% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 6,904 |
| Loan loss allowance to noncurrent loans | 32.0077% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6381% | 3,504 |
| Noncurrent loans to loans | 2.1892% | 2,964 |
| Net loans and leases to total assets | 66.1645% | 2,757 |
| Net loans and leases to deposits | 87.8901% | 1,392 |
| Net loans and leases to core deposits | 90.4947% | 2,057 |
| Total domestic deposits to total assets | 75.2810% | 6,565 |
| Equity capital to assets | 10.9176% | 3,059 |
| Core capital (leverage) ratio | 10.8214% | 2,420 |
| Tier 1 risk-based capital ratio | 17.0898% | 2,564 |
| Total risk-based capital ratio | 17.8658% | 2,735 |
| Memoranda: | ||
| Average total assets | $356,866,000 | 1,815 |
| Average earning assets | $323,917,000 | 1,825 |
| Average equity | $38,818,400 | 1,736 |
| Average total loans | $231,735,600 | 1,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 5,175 |
| Cost of funding earning assets | 1.1742% | 2,485 |
| Net interest margin | 3.3539% | 5,705 |
| Noninterest income to average assets | 0.9280% | 1,553 |
| Noninterest expense to average assets | 3.3385% | 2,377 |
| Loan and lease loss provision to assets | 0.1319% | 4,779 |
| Net operating income to assets | 0.4067% | 4,965 |
| Return on assets (ROA) | 0.4237% | 5,079 |
| Pretax return on assets | 0.5219% | 5,076 |
| Return on Equity (ROE) | 3.8984% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.8984% | 3,948 |
| Net charge-offs to loans | 0.2218% | 4,048 |
| Credit loss provision to net charge-offs | 92.1671% | 3,702 |
| Earnings coverage of net charge-offs (x) | 4.4230% | 3,074 |
| Efficiency ratio | 84.0640% | 1,726 |
| Assets per employee ($millions) | 3.6584% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 6,959 |
| Loan loss allowance to noncurrent loans | 33.8683% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 3,878 |
| Noncurrent loans to loans | 2.0689% | 3,279 |
| Net loans and leases to total assets | 63.5819% | 3,399 |
| Net loans and leases to deposits | 83.5368% | 2,083 |
| Net loans and leases to core deposits | 86.7123% | 2,686 |
| Total domestic deposits to total assets | 76.1124% | 6,523 |
| Equity capital to assets | 10.8642% | 3,276 |
| Core capital (leverage) ratio | 10.4952% | 2,876 |
| Tier 1 risk-based capital ratio | 17.0068% | 2,641 |
| Total risk-based capital ratio | 17.8039% | 2,798 |
| Memoranda: | ||
| Average total assets | $356,878,000 | 1,822 |
| Average earning assets | $323,837,750 | 1,835 |
| Average equity | $38,784,000 | 1,741 |
| Average total loans | $230,231,250 | 1,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 5,153 |
| Cost of funding earning assets | 1.1759% | 2,734 |
| Net interest margin | 3.3799% | 5,609 |
| Noninterest income to average assets | 0.9237% | 1,566 |
| Noninterest expense to average assets | 3.3257% | 2,477 |
| Loan and lease loss provision to assets | 0.1870% | 4,044 |
| Net operating income to assets | 0.3881% | 5,003 |
| Return on assets (ROA) | 0.4049% | 5,082 |
| Pretax return on assets | 0.4979% | 5,079 |
| Return on Equity (ROE) | 3.7258% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.7258% | 3,842 |
| Net charge-offs to loans | 0.3057% | 3,347 |
| Credit loss provision to net charge-offs | 94.5869% | 3,318 |
| Earnings coverage of net charge-offs (x) | 3.3590% | 3,198 |
| Efficiency ratio | 83.3569% | 1,903 |
| Assets per employee ($millions) | 3.6077% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 6,999 |
| Loan loss allowance to noncurrent loans | 39.5934% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 4,263 |
| Noncurrent loans to loans | 1.8052% | 3,747 |
| Net loans and leases to total assets | 63.6278% | 3,545 |
| Net loans and leases to deposits | 84.7366% | 1,987 |
| Net loans and leases to core deposits | 87.5684% | 2,692 |
| Total domestic deposits to total assets | 75.0890% | 6,716 |
| Equity capital to assets | 10.9493% | 3,012 |
| Core capital (leverage) ratio | 10.6630% | 2,558 |
| Tier 1 risk-based capital ratio | 17.0770% | 2,487 |
| Total risk-based capital ratio | 17.8918% | 2,634 |
| Memoranda: | ||
| Average total assets | $355,110,670 | 1,845 |
| Average earning assets | $322,144,330 | 1,850 |
| Average equity | $38,596,000 | 1,739 |
| Average total loans | $229,673,000 | 1,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 4,893 |
| Cost of funding earning assets | 1.2268% | 2,647 |
| Net interest margin | 3.3856% | 5,481 |
| Noninterest income to average assets | 0.9184% | 1,592 |
| Noninterest expense to average assets | 3.4173% | 2,230 |
| Loan and lease loss provision to assets | 0.1435% | 4,213 |
| Net operating income to assets | 0.3409% | 5,220 |
| Return on assets (ROA) | 0.3525% | 5,246 |
| Pretax return on assets | 0.4462% | 5,201 |
| Return on Equity (ROE) | 3.2550% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.2550% | 4,226 |
| Net charge-offs to loans | 0.1547% | 3,562 |
| Credit loss provision to net charge-offs | 142.6966% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.7191% | 2,222 |
| Efficiency ratio | 85.5971% | 1,762 |
| Assets per employee ($millions) | 3.6489% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 7,016 |
| Loan loss allowance to noncurrent loans | 43.1668% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 4,491 |
| Noncurrent loans to loans | 1.7214% | 3,919 |
| Net loans and leases to total assets | 64.5603% | 3,341 |
| Net loans and leases to deposits | 84.2025% | 1,999 |
| Net loans and leases to core deposits | 88.6436% | 2,524 |
| Total domestic deposits to total assets | 76.6727% | 6,579 |
| Equity capital to assets | 10.9970% | 2,692 |
| Core capital (leverage) ratio | 10.5795% | 2,527 |
| Tier 1 risk-based capital ratio | 17.1543% | 2,418 |
| Total risk-based capital ratio | 17.9889% | 2,542 |
| Memoranda: | ||
| Average total assets | $354,084,500 | 1,865 |
| Average earning assets | $321,480,000 | 1,869 |
| Average equity | $38,340,500 | 1,738 |
| Average total loans | $230,064,000 | 1,860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 3,918 |
| Cost of funding earning assets | 1.5007% | 2,628 |
| Net interest margin | 3.6366% | 4,639 |
| Noninterest income to average assets | 0.9349% | 1,726 |
| Noninterest expense to average assets | 3.5103% | 2,145 |
| Loan and lease loss provision to assets | 0.3855% | 3,803 |
| Net operating income to assets | 0.2629% | 5,063 |
| Return on assets (ROA) | 0.3387% | 4,953 |
| Pretax return on assets | 0.4059% | 4,926 |
| Return on Equity (ROE) | 3.1221% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.1221% | 3,674 |
| Net charge-offs to loans | 0.7031% | 2,904 |
| Credit loss provision to net charge-offs | 81.1971% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.4746% | 4,649 |
| Efficiency ratio | 83.3720% | 2,002 |
| Assets per employee ($millions) | 3.6894% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 7,118 |
| Loan loss allowance to noncurrent loans | 57.7057% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 5,229 |
| Noncurrent loans to loans | 1.2347% | 4,660 |
| Net loans and leases to total assets | 64.4440% | 3,773 |
| Net loans and leases to deposits | 87.0877% | 1,925 |
| Net loans and leases to core deposits | 90.2417% | 2,731 |
| Total domestic deposits to total assets | 73.9990% | 6,895 |
| Equity capital to assets | 10.6627% | 3,006 |
| Core capital (leverage) ratio | 10.4920% | 2,568 |
| Tier 1 risk-based capital ratio | 16.7862% | 2,434 |
| Total risk-based capital ratio | 17.5798% | 2,562 |
| Memoranda: | ||
| Average total assets | $348,378,400 | 1,875 |
| Average earning assets | $313,779,200 | 1,890 |
| Average equity | $37,795,000 | 1,746 |
| Average total loans | $235,252,800 | 1,858 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 3,807 |
| Cost of funding earning assets | 1.5502% | 2,675 |
| Net interest margin | 3.6537% | 4,616 |
| Noninterest income to average assets | 0.9298% | 1,689 |
| Noninterest expense to average assets | 3.5371% | 1,943 |
| Loan and lease loss provision to assets | 0.4798% | 3,078 |
| Net operating income to assets | 0.1739% | 5,579 |
| Return on assets (ROA) | 0.2817% | 5,397 |
| Pretax return on assets | 0.3187% | 5,451 |
| Return on Equity (ROE) | 2.5850% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.5850% | 4,611 |
| Net charge-offs to loans | 0.7774% | 2,490 |
| Credit loss provision to net charge-offs | 90.4797% | 4,742 |
| Earnings coverage of net charge-offs (x) | 1.2747% | 4,800 |
| Efficiency ratio | 83.9568% | 1,843 |
| Assets per employee ($millions) | 3.4048% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 7,042 |
| Loan loss allowance to noncurrent loans | 43.8890% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2652% | 4,616 |
| Noncurrent loans to loans | 1.7805% | 3,975 |
| Net loans and leases to total assets | 66.4355% | 3,586 |
| Net loans and leases to deposits | 87.6952% | 2,048 |
| Net loans and leases to core deposits | 91.9019% | 2,820 |
| Total domestic deposits to total assets | 75.7573% | 6,699 |
| Equity capital to assets | 10.9049% | 3,046 |
| Core capital (leverage) ratio | 10.3376% | 2,874 |
| Tier 1 risk-based capital ratio | 16.7338% | 2,444 |
| Total risk-based capital ratio | 17.6081% | 2,565 |
| Memoranda: | ||
| Average total assets | $346,004,250 | 1,912 |
| Average earning assets | $310,912,500 | 1,946 |
| Average equity | $37,704,000 | 1,764 |
| Average total loans | $235,995,000 | 1,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3524% | 3,204 |
| Cost of funding earning assets | 1.5859% | 2,739 |
| Net interest margin | 3.7665% | 4,061 |
| Noninterest income to average assets | 0.9052% | 1,672 |
| Noninterest expense to average assets | 3.5205% | 1,983 |
| Loan and lease loss provision to assets | 0.6155% | 2,323 |
| Net operating income to assets | 0.1232% | 5,799 |
| Return on assets (ROA) | 0.2857% | 5,386 |
| Pretax return on assets | 0.3257% | 5,430 |
| Return on Equity (ROE) | 2.6223% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.6223% | 4,471 |
| Net charge-offs to loans | 1.1261% | 1,679 |
| Credit loss provision to net charge-offs | 79.6394% | 4,718 |
| Earnings coverage of net charge-offs (x) | 0.9790% | 4,802 |
| Efficiency ratio | 82.3106% | 2,116 |
| Assets per employee ($millions) | 3.4140% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 7,200 |
| Loan loss allowance to noncurrent loans | 53.6902% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 5,016 |
| Noncurrent loans to loans | 1.3468% | 4,695 |
| Net loans and leases to total assets | 66.8282% | 3,656 |
| Net loans and leases to deposits | 88.4257% | 2,106 |
| Net loans and leases to core deposits | 91.7788% | 3,018 |
| Total domestic deposits to total assets | 75.5755% | 6,765 |
| Equity capital to assets | 10.8209% | 3,056 |
| Core capital (leverage) ratio | 10.5617% | 2,575 |
| Tier 1 risk-based capital ratio | 17.0364% | 2,268 |
| Total risk-based capital ratio | 17.8568% | 2,388 |
| Memoranda: | ||
| Average total assets | $344,440,670 | 1,940 |
| Average earning assets | $308,346,000 | 1,974 |
| Average equity | $37,524,330 | 1,772 |
| Average total loans | $236,386,330 | 1,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,621 |
| Cost of funding earning assets | 1.6337% | 2,748 |
| Net interest margin | 3.8592% | 3,515 |
| Noninterest income to average assets | 0.8746% | 1,724 |
| Noninterest expense to average assets | 3.5686% | 1,805 |
| Loan and lease loss provision to assets | 0.6563% | 1,932 |
| Net operating income to assets | 0.0864% | 6,060 |
| Return on assets (ROA) | 0.0864% | 6,161 |
| Pretax return on assets | 0.0841% | 6,178 |
| Return on Equity (ROE) | 0.7905% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,503 |
| Net charge-offs to loans | 1.0330% | 1,594 |
| Credit loss provision to net charge-offs | 91.6803% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.0343% | 4,151 |
| Efficiency ratio | 82.8184% | 2,164 |
| Assets per employee ($millions) | 3.3998% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 7,072 |
| Loan loss allowance to noncurrent loans | 51.6590% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 4,859 |
| Noncurrent loans to loans | 1.5935% | 4,351 |
| Net loans and leases to total assets | 67.8635% | 3,421 |
| Net loans and leases to deposits | 88.2446% | 2,185 |
| Net loans and leases to core deposits | 91.9280% | 3,116 |
| Total domestic deposits to total assets | 76.9039% | 6,579 |
| Equity capital to assets | 11.0543% | 2,713 |
| Core capital (leverage) ratio | 10.4791% | 2,638 |
| Tier 1 risk-based capital ratio | 16.7788% | 2,355 |
| Total risk-based capital ratio | 17.7037% | 2,422 |
| Memoranda: | ||
| Average total assets | $342,544,500 | 2,000 |
| Average earning assets | $304,832,000 | 2,052 |
| Average equity | $37,445,500 | 1,796 |
| Average total loans | $237,373,000 | 1,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7338% | 2,939 |
| Cost of funding earning assets | 1.9928% | 2,997 |
| Net interest margin | 3.7409% | 3,949 |
| Noninterest income to average assets | 1.0240% | 1,491 |
| Noninterest expense to average assets | 3.2878% | 3,050 |
| Loan and lease loss provision to assets | 0.7517% | 2,857 |
| Net operating income to assets | 0.3156% | 4,471 |
| Return on assets (ROA) | 0.2325% | 4,862 |
| Pretax return on assets | 0.2238% | 4,951 |
| Return on Equity (ROE) | 2.3271% | 4,776 |
| Retained earnings to average equity (ytd only) | 2.3271% | 3,492 |
| Net charge-offs to loans | 0.8123% | 2,796 |
| Credit loss provision to net charge-offs | 128.3317% | 4,016 |
| Earnings coverage of net charge-offs (x) | 1.8073% | 4,369 |
| Efficiency ratio | 75.6444% | 3,586 |
| Assets per employee ($millions) | 3.5949% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 7,094 |
| Loan loss allowance to noncurrent loans | 34.5762% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 3,784 |
| Noncurrent loans to loans | 2.3485% | 3,232 |
| Net loans and leases to total assets | 69.5845% | 3,342 |
| Net loans and leases to deposits | 92.3202% | 1,846 |
| Net loans and leases to core deposits | 107.1153% | 3,204 |
| Total domestic deposits to total assets | 75.3731% | 6,796 |
| Equity capital to assets | 10.8106% | 2,858 |
| Core capital (leverage) ratio | 10.2782% | 2,801 |
| Tier 1 risk-based capital ratio | 16.5136% | 2,314 |
| Total risk-based capital ratio | 17.4198% | 2,380 |
| Memoranda: | ||
| Average total assets | $356,135,800 | 1,907 |
| Average earning assets | $316,283,400 | 1,974 |
| Average equity | $35,580,400 | 1,892 |
| Average total loans | $256,793,400 | 1,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7409% | 3,130 |
| Cost of funding earning assets | 2.0726% | 3,021 |
| Net interest margin | 3.6683% | 4,211 |
| Noninterest income to average assets | 1.0614% | 1,410 |
| Noninterest expense to average assets | 3.2484% | 3,132 |
| Loan and lease loss provision to assets | 0.9054% | 2,122 |
| Net operating income to assets | 0.2508% | 4,988 |
| Return on assets (ROA) | 0.1211% | 5,465 |
| Pretax return on assets | 0.0379% | 5,635 |
| Return on Equity (ROE) | 1.2366% | 5,424 |
| Retained earnings to average equity (ytd only) | 1.2366% | 4,635 |
| Net charge-offs to loans | 0.8564% | 2,255 |
| Credit loss provision to net charge-offs | 145.6665% | 3,340 |
| Earnings coverage of net charge-offs (x) | 1.7262% | 4,502 |
| Efficiency ratio | 75.1719% | 3,664 |
| Assets per employee ($millions) | 3.4829% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,918 |
| Loan loss allowance to noncurrent loans | 62.7825% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 4,988 |
| Noncurrent loans to loans | 1.3732% | 4,620 |
| Net loans and leases to total assets | 69.9248% | 3,534 |
| Net loans and leases to deposits | 90.4383% | 2,498 |
| Net loans and leases to core deposits | 107.1889% | 3,570 |
| Total domestic deposits to total assets | 77.3176% | 6,262 |
| Equity capital to assets | 10.5193% | 3,489 |
| Core capital (leverage) ratio | 9.7796% | 3,543 |
| Tier 1 risk-based capital ratio | 15.7328% | 2,725 |
| Total risk-based capital ratio | 16.6895% | 2,794 |
| Memoranda: | ||
| Average total assets | $358,891,250 | 1,907 |
| Average earning assets | $318,944,000 | 1,972 |
| Average equity | $35,148,250 | 1,933 |
| Average total loans | $260,463,750 | 1,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 3,104 |
| Cost of funding earning assets | 2.1327% | 3,117 |
| Net interest margin | 3.6555% | 4,138 |
| Noninterest income to average assets | 1.1233% | 1,251 |
| Noninterest expense to average assets | 3.2896% | 3,002 |
| Loan and lease loss provision to assets | 1.2384% | 1,383 |
| Net operating income to assets | -0.1006% | 6,011 |
| Return on assets (ROA) | -0.2065% | 6,221 |
| Pretax return on assets | -0.3421% | 6,277 |
| Return on Equity (ROE) | -2.1605% | 6,246 |
| Retained earnings to average equity (ytd only) | -2.1605% | 5,776 |
| Net charge-offs to loans | 1.0605% | 1,699 |
| Credit loss provision to net charge-offs | 159.4440% | 2,882 |
| Earnings coverage of net charge-offs (x) | 1.3671% | 4,504 |
| Efficiency ratio | 75.5980% | 3,768 |
| Assets per employee ($millions) | 3.8716% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 6,885 |
| Loan loss allowance to noncurrent loans | 45.9921% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 4,337 |
| Noncurrent loans to loans | 1.8996% | 3,669 |
| Net loans and leases to total assets | 67.4329% | 4,266 |
| Net loans and leases to deposits | 89.4022% | 2,916 |
| Net loans and leases to core deposits | 105.6005% | 3,882 |
| Total domestic deposits to total assets | 75.4265% | 6,679 |
| Equity capital to assets | 9.5280% | 4,574 |
| Core capital (leverage) ratio | 9.5496% | 3,809 |
| Tier 1 risk-based capital ratio | 15.2121% | 2,933 |
| Total risk-based capital ratio | 16.1842% | 2,992 |
| Memoranda: | ||
| Average total assets | $361,264,670 | 1,919 |
| Average earning assets | $319,027,000 | 1,994 |
| Average equity | $34,529,670 | 1,963 |
| Average total loans | $264,580,330 | 1,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 3,448 |
| Cost of funding earning assets | 2.1369% | 3,484 |
| Net interest margin | 3.6292% | 4,192 |
| Noninterest income to average assets | 1.2110% | 980 |
| Noninterest expense to average assets | 3.5601% | 1,954 |
| Loan and lease loss provision to assets | 1.9884% | 604 |
| Net operating income to assets | -0.7403% | 7,091 |
| Return on assets (ROA) | -0.7403% | 7,122 |
| Pretax return on assets | -1.0425% | 7,170 |
| Return on Equity (ROE) | -7.7329% | 7,219 |
| Retained earnings to average equity (ytd only) | -7.7329% | 6,886 |
| Net charge-offs to loans | 1.2646% | 1,112 |
| Credit loss provision to net charge-offs | 207.0175% | 2,158 |
| Earnings coverage of net charge-offs (x) | 0.9848% | 4,280 |
| Efficiency ratio | 79.0077% | 3,002 |
| Assets per employee ($millions) | 3.6782% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,936 |
| Loan loss allowance to noncurrent loans | 51.0819% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 3,894 |
| Noncurrent loans to loans | 1.6765% | 3,742 |
| Net loans and leases to total assets | 74.3079% | 2,677 |
| Net loans and leases to deposits | 97.2418% | 1,771 |
| Net loans and leases to core deposits | 117.7826% | 2,619 |
| Total domestic deposits to total assets | 76.4156% | 6,428 |
| Equity capital to assets | 9.3774% | 4,837 |
| Core capital (leverage) ratio | 9.5066% | 3,976 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,324 |
| Total risk-based capital ratio | 15.4606% | 3,401 |
| Memoranda: | ||
| Average total assets | $356,060,500 | 1,949 |
| Average earning assets | $323,265,000 | 1,964 |
| Average equity | $34,088,000 | 1,999 |
| Average total loans | $270,451,000 | 1,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 4,518 |
| Cost of funding earning assets | 2.4602% | 4,422 |
| Net interest margin | 3.7395% | 4,279 |
| Noninterest income to average assets | 0.8805% | 2,054 |
| Noninterest expense to average assets | 3.5386% | 2,295 |
| Loan and lease loss provision to assets | 0.1404% | 5,557 |
| Net operating income to assets | 0.3882% | 5,202 |
| Return on assets (ROA) | 0.3835% | 5,030 |
| Pretax return on assets | 0.5666% | 4,791 |
| Return on Equity (ROE) | 3.6828% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.6828% | 2,859 |
| Net charge-offs to loans | 0.0267% | 6,458 |
| Credit loss provision to net charge-offs | 698.5075% | 606 |
| Earnings coverage of net charge-offs (x) | 35.5075% | 1,025 |
| Efficiency ratio | 83.2122% | 2,149 |
| Assets per employee ($millions) | 3.7802% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 7,847 |
| Loan loss allowance to noncurrent loans | 36.3180% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 3,795 |
| Noncurrent loans to loans | 1.3843% | 3,750 |
| Net loans and leases to total assets | 76.5803% | 2,480 |
| Net loans and leases to deposits | 104.7470% | 1,266 |
| Net loans and leases to core deposits | 126.1621% | 2,153 |
| Total domestic deposits to total assets | 73.1098% | 6,810 |
| Equity capital to assets | 9.7707% | 4,329 |
| Core capital (leverage) ratio | 10.1432% | 3,322 |
| Tier 1 risk-based capital ratio | 14.7474% | 3,176 |
| Total risk-based capital ratio | 15.3311% | 3,427 |
| Memoranda: | ||
| Average total assets | $333,237,200 | 2,004 |
| Average earning assets | $300,498,200 | 2,035 |
| Average equity | $34,702,200 | 1,955 |
| Average total loans | $251,060,000 | 1,900 |