Home > Haddon Savings Bank > Performance and Condition Ratios
Haddon Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 4,449 |
| Cost of funding earning assets | 1.7292% | 1,390 |
| Net interest margin | 1.5988% | 4,498 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.5815% | 4,261 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.0088% | 4,395 |
| Return on assets (ROA) | -0.0128% | 4,377 |
| Pretax return on assets | -0.0347% | 4,374 |
| Return on Equity (ROE) | -0.2500% | 4,359 |
| Retained earnings to average equity (ytd only) | -0.2454% | 4,115 |
| Net charge-offs to loans | 0.1299% | 758 |
| Credit loss provision to net charge-offs | 35.7143% | 2,259 |
| Earnings coverage of net charge-offs (x) | -0.1092% | 4,522 |
| Efficiency ratio | 100.4407% | 185 |
| Assets per employee ($millions) | 12.4091% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,236 |
| Loan loss allowance to noncurrent loans | 91.5147% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 1,603 |
| Noncurrent loans to loans | 0.6608% | 1,189 |
| Net loans and leases to total assets | 50.9500% | 3,542 |
| Net loans and leases to deposits | 61.8703% | 3,416 |
| Net loans and leases to core deposits | 85.2366% | 2,362 |
| Total domestic deposits to total assets | 82.3500% | 3,057 |
| Equity capital to assets | 5.7786% | 4,279 |
| Core capital (leverage) ratio | 10.1043% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3647% | 854 |
| Memoranda: | ||
| Average total assets | $374,709,200 | 2,099 |
| Average earning assets | $352,760,200 | 2,079 |
| Average equity | $19,560,600 | 2,897 |
| Average total loans | $183,255,200 | 2,417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 4,505 |
| Cost of funding earning assets | 1.3062% | 1,691 |
| Net interest margin | 1.8600% | 4,525 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.5829% | 4,270 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.1899% | 4,291 |
| Return on assets (ROA) | 0.1850% | 4,318 |
| Pretax return on assets | 0.2174% | 4,302 |
| Return on Equity (ROE) | 3.5000% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,350 |
| Net charge-offs to loans | 0.1790% | 442 |
| Credit loss provision to net charge-offs | 27.9503% | 1,743 |
| Earnings coverage of net charge-offs (x) | 2.8882% | 2,294 |
| Efficiency ratio | 86.4943% | 476 |
| Assets per employee ($millions) | 11.3968% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 4,243 |
| Loan loss allowance to noncurrent loans | 97.1452% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 1,619 |
| Noncurrent loans to loans | 0.6672% | 1,118 |
| Net loans and leases to total assets | 48.5400% | 3,659 |
| Net loans and leases to deposits | 58.6868% | 3,503 |
| Net loans and leases to core deposits | 79.6057% | 2,498 |
| Total domestic deposits to total assets | 82.7200% | 3,103 |
| Equity capital to assets | 5.2572% | 4,335 |
| Core capital (leverage) ratio | 10.0091% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0568% | 808 |
| Memoranda: | ||
| Average total assets | $376,272,000 | 2,097 |
| Average earning assets | $354,622,667 | 2,069 |
| Average equity | $19,865,667 | 2,879 |
| Average total loans | $179,909,000 | 2,441 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0947% | 4,528 |
| Cost of funding earning assets | 1.0612% | 1,855 |
| Net interest margin | 2.0335% | 4,555 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.6165% | 4,289 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2840% | 4,269 |
| Return on assets (ROA) | 0.2997% | 4,213 |
| Pretax return on assets | 0.3635% | 4,187 |
| Return on Equity (ROE) | 5.6600% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.6648% | 2,855 |
| Net charge-offs to loans | 0.1978% | 367 |
| Credit loss provision to net charge-offs | 26.1364% | 1,367 |
| Earnings coverage of net charge-offs (x) | 3.9432% | 1,868 |
| Efficiency ratio | 81.4240% | 743 |
| Assets per employee ($millions) | 13.4246% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 4,245 |
| Loan loss allowance to noncurrent loans | 123.5821% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,806 |
| Noncurrent loans to loans | 0.5643% | 1,315 |
| Net loans and leases to total assets | 47.0500% | 3,709 |
| Net loans and leases to deposits | 55.1294% | 3,623 |
| Net loans and leases to core deposits | 74.8126% | 2,616 |
| Total domestic deposits to total assets | 85.3400% | 2,761 |
| Equity capital to assets | 5.6820% | 4,294 |
| Core capital (leverage) ratio | 9.9745% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5348% | 788 |
| Memoranda: | ||
| Average total assets | $376,361,000 | 2,118 |
| Average earning assets | $355,057,000 | 2,097 |
| Average equity | $19,912,500 | 2,901 |
| Average total loans | $177,983,000 | 2,477 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7274% | 4,384 |
| Cost of funding earning assets | 0.6152% | 843 |
| Net interest margin | 2.1122% | 4,519 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.5381% | 4,383 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.4323% | 4,203 |
| Return on assets (ROA) | 0.3328% | 4,307 |
| Pretax return on assets | 0.4050% | 4,273 |
| Return on Equity (ROE) | 5.4200% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.4209% | 2,867 |
| Net charge-offs to loans | 0.0563% | 1,091 |
| Credit loss provision to net charge-offs | 78.9474% | 1,688 |
| Earnings coverage of net charge-offs (x) | 22.5684% | 1,834 |
| Efficiency ratio | 73.8217% | 1,233 |
| Assets per employee ($millions) | 14.4936% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3834% | 4,508 |
| Loan loss allowance to noncurrent loans | 109.8229% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,389 |
| Noncurrent loans to loans | 0.3491% | 1,894 |
| Net loans and leases to total assets | 47.0200% | 3,734 |
| Net loans and leases to deposits | 54.4225% | 3,656 |
| Net loans and leases to core deposits | 72.2160% | 2,706 |
| Total domestic deposits to total assets | 86.4100% | 2,599 |
| Equity capital to assets | 4.9006% | 4,384 |
| Core capital (leverage) ratio | 9.9177% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3857% | 785 |
| Memoranda: | ||
| Average total assets | $393,085,000 | 2,047 |
| Average earning assets | $370,937,400 | 2,024 |
| Average equity | $24,129,000 | 2,627 |
| Average total loans | $168,691,200 | 2,468 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6425% | 4,351 |
| Cost of funding earning assets | 0.5851% | 469 |
| Net interest margin | 2.0574% | 4,537 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.5728% | 4,331 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3709% | 4,287 |
| Return on assets (ROA) | 0.2410% | 4,401 |
| Pretax return on assets | 0.2891% | 4,387 |
| Return on Equity (ROE) | 3.7500% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.7476% | 3,531 |
| Net charge-offs to loans | 0.0585% | 894 |
| Credit loss provision to net charge-offs | 82.1918% | 1,414 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,740 |
| Efficiency ratio | 77.1574% | 984 |
| Assets per employee ($millions) | 13.9193% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3962% | 4,544 |
| Loan loss allowance to noncurrent loans | 127.3063% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,630 |
| Noncurrent loans to loans | 0.3112% | 2,131 |
| Net loans and leases to total assets | 44.5100% | 3,847 |
| Net loans and leases to deposits | 50.4270% | 3,830 |
| Net loans and leases to core deposits | 65.9404% | 2,957 |
| Total domestic deposits to total assets | 88.2700% | 2,337 |
| Equity capital to assets | 4.4011% | 4,418 |
| Core capital (leverage) ratio | 9.3083% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3022% | 817 |
| Memoranda: | ||
| Average total assets | $397,147,750 | 2,052 |
| Average earning assets | $374,840,000 | 2,027 |
| Average equity | $25,544,500 | 2,594 |
| Average total loans | $166,392,750 | 2,489 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5577% | 4,321 |
| Cost of funding earning assets | 0.5713% | 345 |
| Net interest margin | 1.9864% | 4,567 |
| Noninterest income to average assets | 0.1051% | 4,463 |
| Noninterest expense to average assets | 1.5134% | 4,407 |
| Loan and lease loss provision to assets | 0.0225% | 2,194 |
| Net operating income to assets | 0.3733% | 4,162 |
| Return on assets (ROA) | 0.1972% | 4,389 |
| Pretax return on assets | 0.2337% | 4,374 |
| Return on Equity (ROE) | 2.7804% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.7804% | 3,518 |
| Net charge-offs to loans | 0.0256% | 1,205 |
| Credit loss provision to net charge-offs | 214.2857% | 940 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 1,209 |
| Efficiency ratio | 76.4602% | 1,226 |
| Assets per employee ($millions) | 13.8007% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4272% | 4,602 |
| Loan loss allowance to noncurrent loans | 203.9326% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 3,099 |
| Noncurrent loans to loans | 0.2095% | 2,668 |
| Net loans and leases to total assets | 42.2765% | 3,955 |
| Net loans and leases to deposits | 48.6175% | 3,892 |
| Net loans and leases to core deposits | 62.9606% | 3,031 |
| Total domestic deposits to total assets | 86.9574% | 2,951 |
| Equity capital to assets | 5.7731% | 4,279 |
| Core capital (leverage) ratio | 9.1979% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0081% | 990 |
| Memoranda: | ||
| Average total assets | $399,617,000 | 2,052 |
| Average earning assets | $377,058,000 | 2,036 |
| Average equity | $28,341,667 | 2,504 |
| Average total loans | $163,802,333 | 2,517 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5080% | 4,259 |
| Cost of funding earning assets | 0.5668% | 329 |
| Net interest margin | 1.9412% | 4,555 |
| Noninterest income to average assets | 0.1162% | 4,424 |
| Noninterest expense to average assets | 1.4665% | 4,463 |
| Loan and lease loss provision to assets | 0.0150% | 2,081 |
| Net operating income to assets | 0.3924% | 3,971 |
| Return on assets (ROA) | 0.1703% | 4,345 |
| Pretax return on assets | 0.2023% | 4,325 |
| Return on Equity (ROE) | 2.1964% | 4,231 |
| Retained earnings to average equity (ytd only) | 2.1964% | 3,492 |
| Net charge-offs to loans | -0.0025% | 3,143 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2699% | 1,603 |
| Assets per employee ($millions) | 13.7751% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4385% | 4,628 |
| Loan loss allowance to noncurrent loans | 162.0767% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 3,032 |
| Noncurrent loans to loans | 0.2705% | 2,503 |
| Net loans and leases to total assets | 40.8098% | 3,958 |
| Net loans and leases to deposits | 47.7036% | 3,887 |
| Net loans and leases to core deposits | 60.9434% | 3,069 |
| Total domestic deposits to total assets | 85.5486% | 3,406 |
| Equity capital to assets | 6.8762% | 4,275 |
| Core capital (leverage) ratio | 9.1641% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5078% | 1,142 |
| Memoranda: | ||
| Average total assets | $399,315,500 | 2,053 |
| Average earning assets | $376,874,000 | 2,041 |
| Average equity | $30,960,000 | 2,434 |
| Average total loans | $160,741,000 | 2,542 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5827% | 4,423 |
| Cost of funding earning assets | 0.7178% | 298 |
| Net interest margin | 1.8649% | 4,647 |
| Noninterest income to average assets | 0.2050% | 4,138 |
| Noninterest expense to average assets | 1.4356% | 4,598 |
| Loan and lease loss provision to assets | 0.0776% | 1,573 |
| Net operating income to assets | 0.3867% | 4,298 |
| Return on assets (ROA) | 0.3601% | 4,359 |
| Pretax return on assets | 0.4274% | 4,361 |
| Return on Equity (ROE) | 4.1976% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.1976% | 3,142 |
| Net charge-offs to loans | 0.1629% | 592 |
| Credit loss provision to net charge-offs | 107.6125% | 1,724 |
| Earnings coverage of net charge-offs (x) | 7.4464% | 2,344 |
| Efficiency ratio | 72.7905% | 1,425 |
| Assets per employee ($millions) | 14.7834% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 4,665 |
| Loan loss allowance to noncurrent loans | 224.2812% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,401 |
| Noncurrent loans to loans | 0.1984% | 2,955 |
| Net loans and leases to total assets | 39.3423% | 4,130 |
| Net loans and leases to deposits | 47.3833% | 4,031 |
| Net loans and leases to core deposits | 59.6098% | 3,337 |
| Total domestic deposits to total assets | 83.0298% | 3,800 |
| Equity capital to assets | 8.6310% | 3,958 |
| Core capital (leverage) ratio | 9.0579% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9290% | 902 |
| Memoranda: | ||
| Average total assets | $401,015,400 | 1,989 |
| Average earning assets | $380,024,600 | 1,972 |
| Average equity | $34,401,000 | 2,317 |
| Average total loans | $177,394,400 | 2,402 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5273% | 4,554 |
| Cost of funding earning assets | 0.7483% | 308 |
| Net interest margin | 1.7790% | 4,751 |
| Noninterest income to average assets | 0.2411% | 3,952 |
| Noninterest expense to average assets | 1.4141% | 4,674 |
| Loan and lease loss provision to assets | 0.1029% | 1,174 |
| Net operating income to assets | 0.3391% | 4,455 |
| Return on assets (ROA) | 0.3231% | 4,514 |
| Pretax return on assets | 0.3912% | 4,505 |
| Return on Equity (ROE) | 3.7725% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.7725% | 3,650 |
| Net charge-offs to loans | 0.2136% | 387 |
| Credit loss provision to net charge-offs | 106.1644% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.2945% | 2,229 |
| Efficiency ratio | 73.3632% | 1,272 |
| Assets per employee ($millions) | 15.5865% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 4,760 |
| Loan loss allowance to noncurrent loans | 169.8297% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 3,427 |
| Noncurrent loans to loans | 0.2428% | 2,963 |
| Net loans and leases to total assets | 41.5947% | 4,119 |
| Net loans and leases to deposits | 50.4518% | 3,988 |
| Net loans and leases to core deposits | 65.0871% | 3,034 |
| Total domestic deposits to total assets | 82.4444% | 3,835 |
| Equity capital to assets | 8.4013% | 4,272 |
| Core capital (leverage) ratio | 8.7863% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3264% | 906 |
| Memoranda: | ||
| Average total assets | $401,481,000 | 1,999 |
| Average earning assets | $380,579,500 | 1,985 |
| Average equity | $34,388,500 | 2,348 |
| Average total loans | $182,308,500 | 2,405 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5130% | 4,605 |
| Cost of funding earning assets | 0.7827% | 313 |
| Net interest margin | 1.7303% | 4,806 |
| Noninterest income to average assets | 0.3193% | 3,512 |
| Noninterest expense to average assets | 1.3827% | 4,734 |
| Loan and lease loss provision to assets | 0.1099% | 1,150 |
| Net operating income to assets | 0.3837% | 4,418 |
| Return on assets (ROA) | 0.3763% | 4,466 |
| Pretax return on assets | 0.4582% | 4,445 |
| Return on Equity (ROE) | 4.3649% | 4,259 |
| Retained earnings to average equity (ytd only) | 4.3649% | 3,407 |
| Net charge-offs to loans | 0.1811% | 467 |
| Credit loss provision to net charge-offs | 130.1775% | 1,218 |
| Earnings coverage of net charge-offs (x) | 6.8343% | 1,939 |
| Efficiency ratio | 70.5507% | 1,574 |
| Assets per employee ($millions) | 15.8513% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3846% | 4,809 |
| Loan loss allowance to noncurrent loans | 182.7500% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,562 |
| Noncurrent loans to loans | 0.2104% | 3,207 |
| Net loans and leases to total assets | 45.9410% | 3,911 |
| Net loans and leases to deposits | 55.5430% | 3,750 |
| Net loans and leases to core deposits | 74.1677% | 2,393 |
| Total domestic deposits to total assets | 82.7125% | 3,766 |
| Equity capital to assets | 8.3514% | 4,321 |
| Core capital (leverage) ratio | 8.7067% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0483% | 952 |
| Memoranda: | ||
| Average total assets | $400,225,000 | 2,004 |
| Average earning assets | $379,471,333 | 1,979 |
| Average equity | $34,502,667 | 2,338 |
| Average total loans | $186,658,000 | 2,374 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5042% | 4,639 |
| Cost of funding earning assets | 0.8333% | 302 |
| Net interest margin | 1.6709% | 4,845 |
| Noninterest income to average assets | 0.5316% | 2,471 |
| Noninterest expense to average assets | 1.3747% | 4,763 |
| Loan and lease loss provision to assets | 0.0812% | 1,591 |
| Net operating income to assets | 0.5374% | 4,100 |
| Return on assets (ROA) | 0.4667% | 4,281 |
| Pretax return on assets | 0.5732% | 4,232 |
| Return on Equity (ROE) | 5.3265% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.3265% | 3,119 |
| Net charge-offs to loans | 0.1103% | 635 |
| Credit loss provision to net charge-offs | 156.8627% | 968 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,365 |
| Efficiency ratio | 64.9569% | 2,357 |
| Assets per employee ($millions) | 16.2244% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3633% | 4,844 |
| Loan loss allowance to noncurrent loans | 23.3454% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 1,223 |
| Noncurrent loans to loans | 1.5564% | 790 |
| Net loans and leases to total assets | 47.9330% | 3,828 |
| Net loans and leases to deposits | 60.2066% | 3,463 |
| Net loans and leases to core deposits | 78.1115% | 2,176 |
| Total domestic deposits to total assets | 79.6142% | 4,250 |
| Equity capital to assets | 8.3681% | 4,219 |
| Core capital (leverage) ratio | 9.0331% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4620% | 859 |
| Memoranda: | ||
| Average total assets | $394,270,000 | 2,014 |
| Average earning assets | $373,938,500 | 1,986 |
| Average equity | $34,544,500 | 2,330 |
| Average total loans | $184,952,000 | 2,400 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8801% | 4,712 |
| Cost of funding earning assets | 1.1634% | 323 |
| Net interest margin | 1.7168% | 4,894 |
| Noninterest income to average assets | 0.1353% | 4,609 |
| Noninterest expense to average assets | 1.4814% | 4,793 |
| Loan and lease loss provision to assets | 0.1008% | 3,073 |
| Net operating income to assets | 0.1524% | 4,624 |
| Return on assets (ROA) | 0.2098% | 4,620 |
| Pretax return on assets | 0.2446% | 4,612 |
| Return on Equity (ROE) | 2.1739% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.1739% | 3,754 |
| Net charge-offs to loans | 0.2007% | 859 |
| Credit loss provision to net charge-offs | 115.5063% | 2,679 |
| Earnings coverage of net charge-offs (x) | 3.1930% | 3,105 |
| Efficiency ratio | 84.1725% | 615 |
| Assets per employee ($millions) | 14.1826% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 4,861 |
| Loan loss allowance to noncurrent loans | 21.7252% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,252 |
| Noncurrent loans to loans | 1.7909% | 699 |
| Net loans and leases to total assets | 45.4637% | 4,163 |
| Net loans and leases to deposits | 57.9014% | 3,896 |
| Net loans and leases to core deposits | 70.9843% | 3,173 |
| Total domestic deposits to total assets | 78.5191% | 4,259 |
| Equity capital to assets | 9.1784% | 3,907 |
| Core capital (leverage) ratio | 9.1380% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2382% | 745 |
| Memoranda: | ||
| Average total assets | $362,234,400 | 1,995 |
| Average earning assets | $342,797,400 | 1,968 |
| Average equity | $34,959,600 | 2,238 |
| Average total loans | $157,447,600 | 2,587 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9415% | 4,770 |
| Cost of funding earning assets | 1.2239% | 338 |
| Net interest margin | 1.7175% | 4,941 |
| Noninterest income to average assets | 0.1542% | 4,522 |
| Noninterest expense to average assets | 1.4888% | 4,811 |
| Loan and lease loss provision to assets | 0.1084% | 2,966 |
| Net operating income to assets | 0.1561% | 4,646 |
| Return on assets (ROA) | 0.2181% | 4,606 |
| Pretax return on assets | 0.2547% | 4,602 |
| Return on Equity (ROE) | 2.2303% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.2303% | 3,852 |
| Net charge-offs to loans | 0.1959% | 778 |
| Credit loss provision to net charge-offs | 128.8889% | 2,448 |
| Earnings coverage of net charge-offs (x) | 3.4622% | 2,911 |
| Efficiency ratio | 83.6551% | 630 |
| Assets per employee ($millions) | 14.2670% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 4,886 |
| Loan loss allowance to noncurrent loans | 87.9899% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 3,409 |
| Noncurrent loans to loans | 0.4518% | 2,699 |
| Net loans and leases to total assets | 45.2740% | 4,353 |
| Net loans and leases to deposits | 57.7585% | 4,174 |
| Net loans and leases to core deposits | 72.5868% | 3,424 |
| Total domestic deposits to total assets | 78.3850% | 4,141 |
| Equity capital to assets | 9.3186% | 3,845 |
| Core capital (leverage) ratio | 9.1162% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0480% | 671 |
| Memoranda: | ||
| Average total assets | $357,060,500 | 1,995 |
| Average earning assets | $337,917,750 | 1,965 |
| Average equity | $34,912,750 | 2,229 |
| Average total loans | $153,116,000 | 2,641 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0367% | 4,824 |
| Cost of funding earning assets | 1.2875% | 381 |
| Net interest margin | 1.7492% | 4,991 |
| Noninterest income to average assets | 0.1795% | 4,389 |
| Noninterest expense to average assets | 1.4939% | 4,854 |
| Loan and lease loss provision to assets | 0.1064% | 2,944 |
| Net operating income to assets | 0.1975% | 4,576 |
| Return on assets (ROA) | 0.2893% | 4,475 |
| Pretax return on assets | 0.3446% | 4,479 |
| Return on Equity (ROE) | 2.9088% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.9088% | 3,427 |
| Net charge-offs to loans | 0.2373% | 662 |
| Credit loss provision to net charge-offs | 106.9364% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.4335% | 2,679 |
| Efficiency ratio | 81.3851% | 795 |
| Assets per employee ($millions) | 14.5255% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3702% | 4,922 |
| Loan loss allowance to noncurrent loans | 75.0292% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 3,280 |
| Noncurrent loans to loans | 0.4934% | 2,675 |
| Net loans and leases to total assets | 45.8243% | 4,373 |
| Net loans and leases to deposits | 65.0316% | 3,804 |
| Net loans and leases to core deposits | 74.9031% | 3,377 |
| Total domestic deposits to total assets | 70.4648% | 4,773 |
| Equity capital to assets | 9.5024% | 3,657 |
| Core capital (leverage) ratio | 9.4492% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0280% | 669 |
| Memoranda: | ||
| Average total assets | $347,677,333 | 2,014 |
| Average earning assets | $329,173,667 | 1,979 |
| Average equity | $34,585,000 | 2,228 |
| Average total loans | $145,789,333 | 2,693 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 4,875 |
| Cost of funding earning assets | 1.3422% | 495 |
| Net interest margin | 1.8381% | 5,039 |
| Noninterest income to average assets | 0.2633% | 3,962 |
| Noninterest expense to average assets | 1.5715% | 4,875 |
| Loan and lease loss provision to assets | 0.1202% | 2,190 |
| Net operating income to assets | 0.2623% | 4,429 |
| Return on assets (ROA) | 0.4100% | 4,151 |
| Pretax return on assets | 0.4966% | 4,130 |
| Return on Equity (ROE) | 4.0196% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.0196% | 2,673 |
| Net charge-offs to loans | -0.0091% | 4,042 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1699% | 1,314 |
| Assets per employee ($millions) | 13.5398% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 4,821 |
| Loan loss allowance to noncurrent loans | 126.7703% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,634 |
| Noncurrent loans to loans | 0.4411% | 2,935 |
| Net loans and leases to total assets | 38.5654% | 4,712 |
| Net loans and leases to deposits | 49.6866% | 4,603 |
| Net loans and leases to core deposits | 58.0035% | 4,432 |
| Total domestic deposits to total assets | 77.6174% | 4,276 |
| Equity capital to assets | 10.2067% | 3,601 |
| Core capital (leverage) ratio | 10.5491% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3028% | 718 |
| Memoranda: | ||
| Average total assets | $332,684,000 | 2,028 |
| Average earning assets | $316,189,000 | 1,993 |
| Average equity | $33,934,000 | 2,246 |
| Average total loans | $131,831,500 | 2,813 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 4,958 |
| Cost of funding earning assets | 1.4213% | 519 |
| Net interest margin | 1.8960% | 5,106 |
| Noninterest income to average assets | 0.1025% | 4,921 |
| Noninterest expense to average assets | 1.5327% | 4,991 |
| Loan and lease loss provision to assets | 0.1128% | 1,861 |
| Net operating income to assets | 0.2218% | 4,826 |
| Return on assets (ROA) | 0.2536% | 4,817 |
| Pretax return on assets | 0.2914% | 4,823 |
| Return on Equity (ROE) | 2.5452% | 4,736 |
| Retained earnings to average equity (ytd only) | 2.5452% | 3,756 |
| Net charge-offs to loans | 0.2886% | 725 |
| Credit loss provision to net charge-offs | 100.2688% | 2,456 |
| Earnings coverage of net charge-offs (x) | 3.2688% | 3,338 |
| Efficiency ratio | 80.6554% | 888 |
| Assets per employee ($millions) | 11.6740% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4766% | 4,915 |
| Loan loss allowance to noncurrent loans | 96.9278% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,671 |
| Noncurrent loans to loans | 0.4917% | 2,709 |
| Net loans and leases to total assets | 40.3080% | 4,724 |
| Net loans and leases to deposits | 48.8515% | 4,717 |
| Net loans and leases to core deposits | 58.3748% | 4,504 |
| Total domestic deposits to total assets | 82.5113% | 3,354 |
| Equity capital to assets | 10.1933% | 3,737 |
| Core capital (leverage) ratio | 10.3886% | 3,078 |
| Tier 1 risk-based capital ratio | 21.7790% | 1,052 |
| Total risk-based capital ratio | 22.1805% | 1,156 |
| Memoranda: | ||
| Average total assets | $330,788,000 | 1,979 |
| Average earning assets | $313,660,400 | 1,948 |
| Average equity | $32,963,400 | 2,241 |
| Average total loans | $128,877,200 | 2,834 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3242% | 5,055 |
| Cost of funding earning assets | 1.4140% | 554 |
| Net interest margin | 1.9102% | 5,193 |
| Noninterest income to average assets | 0.1065% | 4,967 |
| Noninterest expense to average assets | 1.5420% | 5,046 |
| Loan and lease loss provision to assets | 0.1133% | 1,719 |
| Net operating income to assets | 0.2184% | 4,936 |
| Return on assets (ROA) | 0.2681% | 4,897 |
| Pretax return on assets | 0.3203% | 4,882 |
| Return on Equity (ROE) | 2.7052% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.7052% | 4,012 |
| Net charge-offs to loans | 0.1313% | 1,212 |
| Credit loss provision to net charge-offs | 223.8095% | 1,203 |
| Earnings coverage of net charge-offs (x) | 7.3967% | 2,746 |
| Efficiency ratio | 80.4571% | 881 |
| Assets per employee ($millions) | 11.3140% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 4,791 |
| Loan loss allowance to noncurrent loans | 90.2411% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 3,491 |
| Noncurrent loans to loans | 0.6794% | 2,263 |
| Net loans and leases to total assets | 38.8361% | 4,855 |
| Net loans and leases to deposits | 47.8696% | 4,823 |
| Net loans and leases to core deposits | 56.8639% | 4,663 |
| Total domestic deposits to total assets | 81.1290% | 3,719 |
| Equity capital to assets | 10.3625% | 3,666 |
| Core capital (leverage) ratio | 10.3430% | 3,269 |
| Tier 1 risk-based capital ratio | 21.3865% | 1,145 |
| Total risk-based capital ratio | 21.8801% | 1,225 |
| Memoranda: | ||
| Average total assets | $331,766,750 | 1,984 |
| Average earning assets | $314,374,750 | 1,952 |
| Average equity | $32,874,500 | 2,263 |
| Average total loans | $127,999,750 | 2,879 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 5,123 |
| Cost of funding earning assets | 1.3835% | 569 |
| Net interest margin | 1.9125% | 5,248 |
| Noninterest income to average assets | 0.0985% | 5,046 |
| Noninterest expense to average assets | 1.5406% | 5,096 |
| Loan and lease loss provision to assets | 0.0913% | 2,028 |
| Net operating income to assets | 0.2334% | 4,959 |
| Return on assets (ROA) | 0.2877% | 4,902 |
| Pretax return on assets | 0.3454% | 4,894 |
| Return on Equity (ROE) | 2.9478% | 4,799 |
| Retained earnings to average equity (ytd only) | 2.9478% | 3,739 |
| Net charge-offs to loans | 0.0532% | 1,884 |
| Credit loss provision to net charge-offs | 447.0588% | 656 |
| Earnings coverage of net charge-offs (x) | 18.1765% | 1,866 |
| Efficiency ratio | 80.5844% | 921 |
| Assets per employee ($millions) | 11.9569% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5741% | 4,918 |
| Loan loss allowance to noncurrent loans | 129.1883% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,894 |
| Noncurrent loans to loans | 0.4444% | 2,938 |
| Net loans and leases to total assets | 38.6956% | 4,883 |
| Net loans and leases to deposits | 48.2506% | 4,841 |
| Net loans and leases to core deposits | 57.9212% | 4,646 |
| Total domestic deposits to total assets | 80.1970% | 3,999 |
| Equity capital to assets | 10.0157% | 3,962 |
| Core capital (leverage) ratio | 10.1907% | 3,390 |
| Tier 1 risk-based capital ratio | 21.2027% | 1,155 |
| Total risk-based capital ratio | 21.6710% | 1,240 |
| Memoranda: | ||
| Average total assets | $332,986,670 | 1,993 |
| Average earning assets | $315,716,000 | 1,960 |
| Average equity | $32,499,330 | 2,274 |
| Average total loans | $127,929,670 | 2,897 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,188 |
| Cost of funding earning assets | 1.3335% | 590 |
| Net interest margin | 1.9259% | 5,319 |
| Noninterest income to average assets | 0.0361% | 5,244 |
| Noninterest expense to average assets | 1.5093% | 5,167 |
| Loan and lease loss provision to assets | 0.0566% | 2,536 |
| Net operating income to assets | 0.2449% | 4,967 |
| Return on assets (ROA) | 0.2999% | 4,902 |
| Pretax return on assets | 0.3614% | 4,887 |
| Return on Equity (ROE) | 3.1142% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.1142% | 3,691 |
| Net charge-offs to loans | 0.0915% | 1,206 |
| Credit loss provision to net charge-offs | 162.0690% | 1,184 |
| Earnings coverage of net charge-offs (x) | 10.0690% | 1,978 |
| Efficiency ratio | 81.1003% | 960 |
| Assets per employee ($millions) | 12.3373% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5093% | 5,070 |
| Loan loss allowance to noncurrent loans | 123.4286% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 3,142 |
| Noncurrent loans to loans | 0.4126% | 3,107 |
| Net loans and leases to total assets | 37.9996% | 4,957 |
| Net loans and leases to deposits | 46.7217% | 4,909 |
| Net loans and leases to core deposits | 56.2338% | 4,705 |
| Total domestic deposits to total assets | 81.3318% | 3,898 |
| Equity capital to assets | 9.7531% | 4,042 |
| Core capital (leverage) ratio | 10.1248% | 3,457 |
| Tier 1 risk-based capital ratio | 21.5530% | 1,101 |
| Total risk-based capital ratio | 21.9682% | 1,187 |
| Memoranda: | ||
| Average total assets | $332,083,500 | 2,014 |
| Average earning assets | $314,657,500 | 1,977 |
| Average equity | $31,983,000 | 2,297 |
| Average total loans | $126,745,500 | 2,941 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0031% | 5,231 |
| Cost of funding earning assets | 1.0645% | 567 |
| Net interest margin | 1.9386% | 5,341 |
| Noninterest income to average assets | 0.2638% | 4,349 |
| Noninterest expense to average assets | 1.5494% | 5,196 |
| Loan and lease loss provision to assets | 0.1216% | 1,813 |
| Net operating income to assets | 0.3577% | 4,927 |
| Return on assets (ROA) | 0.3577% | 4,926 |
| Pretax return on assets | 0.4276% | 4,910 |
| Return on Equity (ROE) | 3.8552% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,462 |
| Net charge-offs to loans | 0.2591% | 745 |
| Credit loss provision to net charge-offs | 127.7955% | 2,063 |
| Earnings coverage of net charge-offs (x) | 5.7732% | 3,154 |
| Efficiency ratio | 73.8306% | 1,643 |
| Assets per employee ($millions) | 12.2523% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 5,124 |
| Loan loss allowance to noncurrent loans | 139.3805% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,165 |
| Noncurrent loans to loans | 0.3580% | 3,255 |
| Net loans and leases to total assets | 37.9775% | 5,018 |
| Net loans and leases to deposits | 47.0765% | 4,954 |
| Net loans and leases to core deposits | 55.3600% | 4,803 |
| Total domestic deposits to total assets | 80.6718% | 3,961 |
| Equity capital to assets | 9.3830% | 4,236 |
| Core capital (leverage) ratio | 10.0354% | 3,535 |
| Tier 1 risk-based capital ratio | 21.5933% | 1,080 |
| Total risk-based capital ratio | 22.0012% | 1,165 |
| Memoranda: | ||
| Average total assets | $329,027,000 | 1,997 |
| Average earning assets | $311,413,600 | 1,964 |
| Average equity | $30,529,800 | 2,305 |
| Average total loans | $120,795,000 | 2,981 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9443% | 5,311 |
| Cost of funding earning assets | 1.0004% | 595 |
| Net interest margin | 1.9438% | 5,412 |
| Noninterest income to average assets | 0.3035% | 4,117 |
| Noninterest expense to average assets | 1.5509% | 5,246 |
| Loan and lease loss provision to assets | 0.0852% | 2,264 |
| Net operating income to assets | 0.4200% | 4,914 |
| Return on assets (ROA) | 0.4200% | 4,921 |
| Pretax return on assets | 0.5068% | 4,898 |
| Return on Equity (ROE) | 4.5390% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5390% | 3,478 |
| Net charge-offs to loans | 0.0938% | 1,556 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 17.3686% | 2,112 |
| Efficiency ratio | 72.3727% | 1,828 |
| Assets per employee ($millions) | 12.2127% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 5,135 |
| Loan loss allowance to noncurrent loans | 53.0952% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 2,953 |
| Noncurrent loans to loans | 1.0254% | 1,676 |
| Net loans and leases to total assets | 37.0603% | 5,106 |
| Net loans and leases to deposits | 45.9231% | 5,055 |
| Net loans and leases to core deposits | 50.6255% | 5,003 |
| Total domestic deposits to total assets | 80.7008% | 3,953 |
| Equity capital to assets | 9.1641% | 4,410 |
| Core capital (leverage) ratio | 10.0476% | 3,580 |
| Tier 1 risk-based capital ratio | 21.6848% | 1,092 |
| Total risk-based capital ratio | 22.1221% | 1,177 |
| Memoranda: | ||
| Average total assets | $328,580,750 | 2,009 |
| Average earning assets | $310,924,500 | 1,974 |
| Average equity | $30,402,250 | 2,320 |
| Average total loans | $119,427,750 | 3,030 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8881% | 5,374 |
| Cost of funding earning assets | 0.9356% | 623 |
| Net interest margin | 1.9524% | 5,474 |
| Noninterest income to average assets | 0.4016% | 3,475 |
| Noninterest expense to average assets | 1.5314% | 5,322 |
| Loan and lease loss provision to assets | 0.1006% | 1,938 |
| Net operating income to assets | 0.5070% | 4,734 |
| Return on assets (ROA) | 0.5070% | 4,740 |
| Pretax return on assets | 0.6173% | 4,713 |
| Return on Equity (ROE) | 5.4622% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.4622% | 2,842 |
| Net charge-offs to loans | 0.1420% | 1,068 |
| Credit loss provision to net charge-offs | 196.4286% | 1,324 |
| Earnings coverage of net charge-offs (x) | 14.0238% | 2,119 |
| Efficiency ratio | 68.0845% | 2,632 |
| Assets per employee ($millions) | 12.1647% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 5,245 |
| Loan loss allowance to noncurrent loans | 40.7045% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,693 |
| Noncurrent loans to loans | 1.2590% | 1,361 |
| Net loans and leases to total assets | 36.8821% | 5,153 |
| Net loans and leases to deposits | 45.5279% | 5,110 |
| Net loans and leases to core deposits | 52.2775% | 4,986 |
| Total domestic deposits to total assets | 81.0097% | 3,998 |
| Equity capital to assets | 9.2103% | 4,370 |
| Core capital (leverage) ratio | 9.9959% | 3,584 |
| Tier 1 risk-based capital ratio | 21.6740% | 1,079 |
| Total risk-based capital ratio | 22.0840% | 1,177 |
| Memoranda: | ||
| Average total assets | $328,193,000 | 2,016 |
| Average earning assets | $310,588,330 | 1,985 |
| Average equity | $30,463,670 | 2,322 |
| Average total loans | $118,279,330 | 3,058 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8172% | 5,449 |
| Cost of funding earning assets | 0.8785% | 667 |
| Net interest margin | 1.9387% | 5,543 |
| Noninterest income to average assets | 0.3902% | 3,540 |
| Noninterest expense to average assets | 1.5058% | 5,390 |
| Loan and lease loss provision to assets | 0.0853% | 2,096 |
| Net operating income to assets | 0.5206% | 4,643 |
| Return on assets (ROA) | 0.5206% | 4,643 |
| Pretax return on assets | 0.6340% | 4,601 |
| Return on Equity (ROE) | 5.5872% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.5872% | 2,913 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6712% | 2,885 |
| Assets per employee ($millions) | 12.6292% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 5,293 |
| Loan loss allowance to noncurrent loans | 34.0556% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 2,696 |
| Noncurrent loans to loans | 1.5480% | 1,131 |
| Net loans and leases to total assets | 35.2248% | 5,236 |
| Net loans and leases to deposits | 44.2200% | 5,152 |
| Net loans and leases to core deposits | 48.8537% | 5,075 |
| Total domestic deposits to total assets | 79.6580% | 4,470 |
| Equity capital to assets | 9.2499% | 4,318 |
| Core capital (leverage) ratio | 9.9631% | 3,575 |
| Tier 1 risk-based capital ratio | 21.9894% | 1,052 |
| Total risk-based capital ratio | 22.4027% | 1,151 |
| Memoranda: | ||
| Average total assets | $328,066,000 | 2,029 |
| Average earning assets | $310,524,000 | 1,998 |
| Average equity | $30,570,000 | 2,330 |
| Average total loans | $116,538,000 | 3,107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6809% | 5,502 |
| Cost of funding earning assets | 0.7846% | 677 |
| Net interest margin | 1.8964% | 5,589 |
| Noninterest income to average assets | 0.1808% | 5,053 |
| Noninterest expense to average assets | 1.4855% | 5,484 |
| Loan and lease loss provision to assets | 0.0356% | 3,556 |
| Net operating income to assets | 0.3328% | 4,868 |
| Return on assets (ROA) | 0.3328% | 4,889 |
| Pretax return on assets | 0.4516% | 5,018 |
| Return on Equity (ROE) | 3.4896% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.4896% | 3,193 |
| Net charge-offs to loans | 0.0273% | 3,262 |
| Credit loss provision to net charge-offs | 370.9677% | 805 |
| Earnings coverage of net charge-offs (x) | 50.7742% | 1,073 |
| Efficiency ratio | 75.3021% | 1,713 |
| Assets per employee ($millions) | 12.6140% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4649% | 5,432 |
| Loan loss allowance to noncurrent loans | 28.3996% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,468 |
| Noncurrent loans to loans | 1.6370% | 1,008 |
| Net loans and leases to total assets | 35.4477% | 5,303 |
| Net loans and leases to deposits | 44.9989% | 5,217 |
| Net loans and leases to core deposits | 49.2980% | 5,156 |
| Total domestic deposits to total assets | 78.7746% | 4,586 |
| Equity capital to assets | 9.4400% | 4,283 |
| Core capital (leverage) ratio | 9.9245% | 3,546 |
| Tier 1 risk-based capital ratio | 21.9591% | 1,023 |
| Total risk-based capital ratio | 22.3288% | 1,106 |
| Memoranda: | ||
| Average total assets | $323,057,400 | 2,050 |
| Average earning assets | $305,269,000 | 2,015 |
| Average equity | $30,805,400 | 2,308 |
| Average total loans | $113,759,000 | 3,132 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6594% | 5,576 |
| Cost of funding earning assets | 0.7672% | 695 |
| Net interest margin | 1.8923% | 5,659 |
| Noninterest income to average assets | 0.2038% | 4,992 |
| Noninterest expense to average assets | 1.4865% | 5,526 |
| Loan and lease loss provision to assets | 0.0414% | 3,280 |
| Net operating income to assets | 0.3766% | 5,052 |
| Return on assets (ROA) | 0.3766% | 5,078 |
| Pretax return on assets | 0.4632% | 5,095 |
| Return on Equity (ROE) | 3.9392% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.9392% | 3,576 |
| Net charge-offs to loans | -0.0012% | 4,280 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6567% | 1,798 |
| Assets per employee ($millions) | 12.4877% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4842% | 5,486 |
| Loan loss allowance to noncurrent loans | 32.3326% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,926 |
| Noncurrent loans to loans | 1.4976% | 1,248 |
| Net loans and leases to total assets | 35.4474% | 5,371 |
| Net loans and leases to deposits | 44.2334% | 5,308 |
| Net loans and leases to core deposits | 48.2728% | 5,251 |
| Total domestic deposits to total assets | 80.1371% | 4,288 |
| Equity capital to assets | 9.6606% | 4,283 |
| Core capital (leverage) ratio | 9.9241% | 3,663 |
| Tier 1 risk-based capital ratio | 22.1697% | 1,030 |
| Total risk-based capital ratio | 22.5565% | 1,125 |
| Memoranda: | ||
| Average total assets | $321,830,500 | 2,070 |
| Average earning assets | $303,967,500 | 2,036 |
| Average equity | $30,766,750 | 2,321 |
| Average total loans | $112,999,000 | 3,175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6507% | 5,610 |
| Cost of funding earning assets | 0.7525% | 677 |
| Net interest margin | 1.8982% | 5,708 |
| Noninterest income to average assets | 0.2555% | 4,705 |
| Noninterest expense to average assets | 1.4840% | 5,583 |
| Loan and lease loss provision to assets | 0.0436% | 3,124 |
| Net operating income to assets | 0.3783% | 5,025 |
| Return on assets (ROA) | 0.3783% | 5,054 |
| Pretax return on assets | 0.5186% | 4,977 |
| Return on Equity (ROE) | 3.9716% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.9716% | 3,342 |
| Net charge-offs to loans | -0.0018% | 4,174 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5251% | 2,260 |
| Assets per employee ($millions) | 12.4245% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 5,546 |
| Loan loss allowance to noncurrent loans | 60.6407% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,040 |
| Noncurrent loans to loans | 0.7781% | 2,459 |
| Net loans and leases to total assets | 34.6071% | 5,426 |
| Net loans and leases to deposits | 42.8300% | 5,375 |
| Net loans and leases to core deposits | 46.6691% | 5,326 |
| Total domestic deposits to total assets | 80.8010% | 4,234 |
| Equity capital to assets | 9.5918% | 4,323 |
| Core capital (leverage) ratio | 9.8398% | 3,729 |
| Tier 1 risk-based capital ratio | 22.4711% | 995 |
| Total risk-based capital ratio | 22.8457% | 1,075 |
| Memoranda: | ||
| Average total assets | $320,880,330 | 2,077 |
| Average earning assets | $302,707,330 | 2,038 |
| Average equity | $30,567,000 | 2,333 |
| Average total loans | $112,115,000 | 3,190 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6534% | 5,668 |
| Cost of funding earning assets | 0.7420% | 684 |
| Net interest margin | 1.9114% | 5,770 |
| Noninterest income to average assets | 0.1863% | 5,158 |
| Noninterest expense to average assets | 1.4780% | 5,645 |
| Loan and lease loss provision to assets | 0.0500% | 2,805 |
| Net operating income to assets | 0.3376% | 5,109 |
| Return on assets (ROA) | 0.3376% | 5,130 |
| Pretax return on assets | 0.4589% | 5,037 |
| Return on Equity (ROE) | 3.5527% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.5527% | 3,668 |
| Net charge-offs to loans | -0.0036% | 4,095 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3864% | 2,165 |
| Assets per employee ($millions) | 12.4027% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4411% | 5,652 |
| Loan loss allowance to noncurrent loans | 88.1834% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,537 |
| Noncurrent loans to loans | 0.5002% | 3,305 |
| Net loans and leases to total assets | 34.9971% | 5,441 |
| Net loans and leases to deposits | 43.5238% | 5,374 |
| Net loans and leases to core deposits | 47.3820% | 5,326 |
| Total domestic deposits to total assets | 80.4090% | 4,544 |
| Equity capital to assets | 9.4902% | 4,289 |
| Core capital (leverage) ratio | 9.9682% | 3,541 |
| Tier 1 risk-based capital ratio | 23.1114% | 961 |
| Total risk-based capital ratio | 23.4725% | 1,044 |
| Memoranda: | ||
| Average total assets | $319,881,500 | 2,095 |
| Average earning assets | $301,347,000 | 2,064 |
| Average equity | $30,399,500 | 2,348 |
| Average total loans | $112,010,500 | 3,220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5132% | 5,754 |
| Cost of funding earning assets | 0.7342% | 684 |
| Net interest margin | 1.7789% | 5,832 |
| Noninterest income to average assets | 0.3079% | 4,533 |
| Noninterest expense to average assets | 1.4958% | 5,723 |
| Loan and lease loss provision to assets | 0.0610% | 3,154 |
| Net operating income to assets | 0.2935% | 5,233 |
| Return on assets (ROA) | 0.3332% | 5,209 |
| Pretax return on assets | 0.4845% | 5,055 |
| Return on Equity (ROE) | 3.4703% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.4703% | 3,458 |
| Net charge-offs to loans | 0.0584% | 2,880 |
| Credit loss provision to net charge-offs | 321.6667% | 929 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,577 |
| Efficiency ratio | 75.4020% | 2,080 |
| Assets per employee ($millions) | 11.7516% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 5,725 |
| Loan loss allowance to noncurrent loans | 78.4615% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,583 |
| Noncurrent loans to loans | 0.5286% | 3,266 |
| Net loans and leases to total assets | 34.7335% | 5,532 |
| Net loans and leases to deposits | 43.2549% | 5,455 |
| Net loans and leases to core deposits | 47.1452% | 5,396 |
| Total domestic deposits to total assets | 80.2996% | 4,508 |
| Equity capital to assets | 9.5168% | 4,252 |
| Core capital (leverage) ratio | 10.1303% | 3,329 |
| Tier 1 risk-based capital ratio | 23.9125% | 873 |
| Total risk-based capital ratio | 24.2584% | 949 |
| Memoranda: | ||
| Average total assets | $316,622,800 | 2,079 |
| Average earning assets | $298,270,000 | 2,054 |
| Average equity | $30,400,600 | 2,323 |
| Average total loans | $102,729,000 | 3,336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4827% | 5,828 |
| Cost of funding earning assets | 0.7346% | 684 |
| Net interest margin | 1.7481% | 5,901 |
| Noninterest income to average assets | 0.3733% | 4,105 |
| Noninterest expense to average assets | 1.4788% | 5,775 |
| Loan and lease loss provision to assets | 0.0581% | 3,085 |
| Net operating income to assets | 0.3283% | 5,218 |
| Return on assets (ROA) | 0.3805% | 5,175 |
| Pretax return on assets | 0.5604% | 4,973 |
| Return on Equity (ROE) | 3.9537% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.9537% | 3,489 |
| Net charge-offs to loans | 0.0807% | 2,168 |
| Credit loss provision to net charge-offs | 226.2295% | 1,303 |
| Earnings coverage of net charge-offs (x) | 21.0823% | 1,833 |
| Efficiency ratio | 73.1860% | 2,407 |
| Assets per employee ($millions) | 11.1868% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 5,809 |
| Loan loss allowance to noncurrent loans | 67.6174% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 4,672 |
| Noncurrent loans to loans | 0.5640% | 3,308 |
| Net loans and leases to total assets | 33.6066% | 5,635 |
| Net loans and leases to deposits | 41.4184% | 5,599 |
| Net loans and leases to core deposits | 45.6792% | 5,522 |
| Total domestic deposits to total assets | 81.1394% | 4,216 |
| Equity capital to assets | 9.9470% | 4,178 |
| Core capital (leverage) ratio | 10.0804% | 3,462 |
| Tier 1 risk-based capital ratio | 24.9380% | 821 |
| Total risk-based capital ratio | 25.2552% | 880 |
| Memoranda: | ||
| Average total assets | $316,455,250 | 2,083 |
| Average earning assets | $298,213,250 | 2,054 |
| Average equity | $30,451,750 | 2,335 |
| Average total loans | $100,744,750 | 3,382 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4764% | 5,909 |
| Cost of funding earning assets | 0.7328% | 686 |
| Net interest margin | 1.7436% | 5,986 |
| Noninterest income to average assets | 0.2967% | 4,661 |
| Noninterest expense to average assets | 1.4619% | 5,864 |
| Loan and lease loss provision to assets | 0.0302% | 3,524 |
| Net operating income to assets | 0.3027% | 5,316 |
| Return on assets (ROA) | 0.3597% | 5,245 |
| Pretax return on assets | 0.5322% | 5,066 |
| Return on Equity (ROE) | 3.7794% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.7794% | 3,488 |
| Net charge-offs to loans | 0.1251% | 1,593 |
| Credit loss provision to net charge-offs | 77.4194% | 2,389 |
| Earnings coverage of net charge-offs (x) | 12.2581% | 2,194 |
| Efficiency ratio | 75.3327% | 2,175 |
| Assets per employee ($millions) | 11.2685% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3096% | 5,935 |
| Loan loss allowance to noncurrent loans | 59.6558% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,842 |
| Noncurrent loans to loans | 0.5190% | 3,530 |
| Net loans and leases to total assets | 31.8379% | 5,743 |
| Net loans and leases to deposits | 39.3917% | 5,707 |
| Net loans and leases to core deposits | 43.6569% | 5,636 |
| Total domestic deposits to total assets | 80.8239% | 4,323 |
| Equity capital to assets | 9.7142% | 4,546 |
| Core capital (leverage) ratio | 9.8522% | 3,748 |
| Tier 1 risk-based capital ratio | 27.4342% | 620 |
| Total risk-based capital ratio | 27.7073% | 673 |
| Memoranda: | ||
| Average total assets | $317,530,330 | 2,086 |
| Average earning assets | $299,385,330 | 2,062 |
| Average equity | $30,216,670 | 2,353 |
| Average total loans | $99,103,330 | 3,425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4807% | 5,972 |
| Cost of funding earning assets | 0.7305% | 689 |
| Net interest margin | 1.7502% | 6,050 |
| Noninterest income to average assets | 0.4885% | 3,205 |
| Noninterest expense to average assets | 1.4303% | 5,947 |
| Loan and lease loss provision to assets | 0.0176% | 3,459 |
| Net operating income to assets | 0.4633% | 4,768 |
| Return on assets (ROA) | 0.4860% | 4,784 |
| Pretax return on assets | 0.7233% | 4,439 |
| Return on Equity (ROE) | 5.1600% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.1600% | 2,843 |
| Net charge-offs to loans | 0.2605% | 801 |
| Credit loss provision to net charge-offs | 21.8750% | 2,284 |
| Earnings coverage of net charge-offs (x) | 8.7969% | 2,028 |
| Efficiency ratio | 66.9213% | 3,644 |
| Assets per employee ($millions) | 11.3635% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2790% | 6,014 |
| Loan loss allowance to noncurrent loans | 64.8712% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,039 |
| Noncurrent loans to loans | 0.4300% | 3,904 |
| Net loans and leases to total assets | 31.1215% | 5,801 |
| Net loans and leases to deposits | 38.9020% | 5,746 |
| Net loans and leases to core deposits | 43.0763% | 5,684 |
| Total domestic deposits to total assets | 79.9996% | 4,742 |
| Equity capital to assets | 9.5481% | 4,623 |
| Core capital (leverage) ratio | 9.7405% | 3,856 |
| Tier 1 risk-based capital ratio | 29.2123% | 540 |
| Total risk-based capital ratio | 29.4720% | 581 |
| Memoranda: | ||
| Average total assets | $318,537,000 | 2,091 |
| Average earning assets | $300,074,500 | 2,060 |
| Average equity | $30,000,000 | 2,367 |
| Average total loans | $98,272,000 | 3,448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4462% | 6,017 |
| Cost of funding earning assets | 0.7419% | 662 |
| Net interest margin | 1.7043% | 6,092 |
| Noninterest income to average assets | 0.0929% | 5,894 |
| Noninterest expense to average assets | 1.4442% | 6,013 |
| Loan and lease loss provision to assets | 0.0213% | 3,959 |
| Net operating income to assets | 0.1662% | 5,649 |
| Return on assets (ROA) | 0.1967% | 5,642 |
| Pretax return on assets | 0.2801% | 5,560 |
| Return on Equity (ROE) | 2.0815% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.0815% | 4,539 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8542% | 1,105 |
| Assets per employee ($millions) | 10.9964% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 6,035 |
| Loan loss allowance to noncurrent loans | 70.7158% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 5,013 |
| Noncurrent loans to loans | 0.4741% | 3,769 |
| Net loans and leases to total assets | 30.3921% | 5,876 |
| Net loans and leases to deposits | 38.2134% | 5,831 |
| Net loans and leases to core deposits | 42.0624% | 5,762 |
| Total domestic deposits to total assets | 79.5328% | 4,860 |
| Equity capital to assets | 9.2883% | 4,808 |
| Core capital (leverage) ratio | 9.6674% | 3,950 |
| Tier 1 risk-based capital ratio | 28.9546% | 554 |
| Total risk-based capital ratio | 29.2613% | 590 |
| Memoranda: | ||
| Average total assets | $314,215,800 | 2,070 |
| Average earning assets | $296,659,600 | 2,038 |
| Average equity | $29,690,000 | 2,340 |
| Average total loans | $95,303,000 | 3,468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4252% | 6,115 |
| Cost of funding earning assets | 0.7479% | 654 |
| Net interest margin | 1.6773% | 6,185 |
| Noninterest income to average assets | 0.0907% | 5,990 |
| Noninterest expense to average assets | 1.4366% | 6,077 |
| Loan and lease loss provision to assets | 0.0260% | 3,750 |
| Net operating income to assets | 0.1515% | 5,769 |
| Return on assets (ROA) | 0.1857% | 5,760 |
| Pretax return on assets | 0.2619% | 5,701 |
| Return on Equity (ROE) | 1.9568% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.9568% | 4,900 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6961% | 1,020 |
| Assets per employee ($millions) | 10.9818% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3279% | 6,132 |
| Loan loss allowance to noncurrent loans | 74.9415% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 5,214 |
| Noncurrent loans to loans | 0.4375% | 4,040 |
| Net loans and leases to total assets | 30.5459% | 5,956 |
| Net loans and leases to deposits | 38.6364% | 5,910 |
| Net loans and leases to core deposits | 42.3216% | 5,846 |
| Total domestic deposits to total assets | 79.0597% | 4,961 |
| Equity capital to assets | 9.3719% | 4,913 |
| Core capital (leverage) ratio | 9.6449% | 4,116 |
| Tier 1 risk-based capital ratio | 29.1811% | 561 |
| Total risk-based capital ratio | 29.4863% | 593 |
| Memoranda: | ||
| Average total assets | $313,046,000 | 2,089 |
| Average earning assets | $295,939,000 | 2,052 |
| Average equity | $29,707,500 | 2,351 |
| Average total loans | $94,817,500 | 3,514 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4232% | 6,191 |
| Cost of funding earning assets | 0.7569% | 620 |
| Net interest margin | 1.6662% | 6,261 |
| Noninterest income to average assets | 0.0829% | 6,080 |
| Noninterest expense to average assets | 1.4349% | 6,152 |
| Loan and lease loss provision to assets | 0.0302% | 3,525 |
| Net operating income to assets | 0.1384% | 5,831 |
| Return on assets (ROA) | 0.1722% | 5,820 |
| Pretax return on assets | 0.2390% | 5,759 |
| Return on Equity (ROE) | 1.8071% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.8071% | 4,793 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5839% | 1,013 |
| Assets per employee ($millions) | 10.8498% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3221% | 6,204 |
| Loan loss allowance to noncurrent loans | 71.6628% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 5,315 |
| Noncurrent loans to loans | 0.4495% | 4,123 |
| Net loans and leases to total assets | 30.0920% | 6,033 |
| Net loans and leases to deposits | 38.1001% | 5,974 |
| Net loans and leases to core deposits | 40.8705% | 5,933 |
| Total domestic deposits to total assets | 78.9814% | 5,096 |
| Equity capital to assets | 9.2949% | 4,897 |
| Core capital (leverage) ratio | 9.7164% | 3,978 |
| Tier 1 risk-based capital ratio | 29.3405% | 576 |
| Total risk-based capital ratio | 29.6356% | 616 |
| Memoranda: | ||
| Average total assets | $311,237,330 | 2,114 |
| Average earning assets | $294,076,330 | 2,078 |
| Average equity | $29,661,000 | 2,362 |
| Average total loans | $93,890,000 | 3,555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4420% | 6,244 |
| Cost of funding earning assets | 0.7611% | 615 |
| Net interest margin | 1.6810% | 6,328 |
| Noninterest income to average assets | 0.0504% | 6,230 |
| Noninterest expense to average assets | 1.4422% | 6,210 |
| Loan and lease loss provision to assets | 0.0349% | 3,207 |
| Net operating income to assets | 0.1183% | 5,844 |
| Return on assets (ROA) | 0.1460% | 5,870 |
| Pretax return on assets | 0.1977% | 5,828 |
| Return on Equity (ROE) | 1.5133% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.5133% | 4,881 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0821% | 1,010 |
| Assets per employee ($millions) | 10.7166% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3059% | 6,295 |
| Loan loss allowance to noncurrent loans | 63.6971% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 5,376 |
| Noncurrent loans to loans | 0.4803% | 4,136 |
| Net loans and leases to total assets | 29.9892% | 6,073 |
| Net loans and leases to deposits | 37.8784% | 5,994 |
| Net loans and leases to core deposits | 39.8167% | 5,982 |
| Total domestic deposits to total assets | 79.1722% | 5,239 |
| Equity capital to assets | 9.5807% | 4,657 |
| Core capital (leverage) ratio | 9.7769% | 3,921 |
| Tier 1 risk-based capital ratio | 30.0729% | 535 |
| Total risk-based capital ratio | 30.3570% | 577 |
| Memoranda: | ||
| Average total assets | $309,533,500 | 2,136 |
| Average earning assets | $292,214,500 | 2,099 |
| Average equity | $29,868,500 | 2,364 |
| Average total loans | $93,340,500 | 3,584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3165% | 6,374 |
| Cost of funding earning assets | 0.8167% | 594 |
| Net interest margin | 1.4998% | 6,432 |
| Noninterest income to average assets | 0.0995% | 6,157 |
| Noninterest expense to average assets | 1.4401% | 6,333 |
| Loan and lease loss provision to assets | 0.0225% | 4,163 |
| Net operating income to assets | 0.0438% | 6,032 |
| Return on assets (ROA) | 0.0895% | 5,996 |
| Pretax return on assets | 0.1037% | 5,986 |
| Return on Equity (ROE) | 0.9395% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.9395% | 5,359 |
| Net charge-offs to loans | 0.0653% | 3,551 |
| Credit loss provision to net charge-offs | 114.7541% | 2,080 |
| Earnings coverage of net charge-offs (x) | 3.7213% | 3,821 |
| Efficiency ratio | 95.1702% | 536 |
| Assets per employee ($millions) | 10.6305% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2779% | 6,391 |
| Loan loss allowance to noncurrent loans | 60.2326% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,066 |
| Noncurrent loans to loans | 0.4614% | 4,266 |
| Net loans and leases to total assets | 30.1458% | 6,170 |
| Net loans and leases to deposits | 38.0994% | 6,098 |
| Net loans and leases to core deposits | 39.5685% | 6,105 |
| Total domestic deposits to total assets | 79.1242% | 5,228 |
| Equity capital to assets | 9.7189% | 4,441 |
| Core capital (leverage) ratio | 9.8071% | 3,827 |
| Tier 1 risk-based capital ratio | 27.5279% | 643 |
| Total risk-based capital ratio | 27.7643% | 705 |
| Memoranda: | ||
| Average total assets | $310,595,800 | 2,093 |
| Average earning assets | $292,770,000 | 2,050 |
| Average equity | $29,589,000 | 2,296 |
| Average total loans | $93,465,200 | 3,557 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2955% | 6,461 |
| Cost of funding earning assets | 0.8256% | 605 |
| Net interest margin | 1.4698% | 6,518 |
| Noninterest income to average assets | 0.0930% | 6,274 |
| Noninterest expense to average assets | 1.4388% | 6,384 |
| Loan and lease loss provision to assets | 0.0249% | 3,909 |
| Net operating income to assets | 0.0137% | 6,131 |
| Return on assets (ROA) | 0.0758% | 6,079 |
| Pretax return on assets | 0.0814% | 6,080 |
| Return on Equity (ROE) | 0.8001% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.8001% | 5,560 |
| Net charge-offs to loans | 0.0870% | 2,965 |
| Credit loss provision to net charge-offs | 95.0820% | 2,342 |
| Earnings coverage of net charge-offs (x) | 1.5082% | 4,144 |
| Efficiency ratio | 97.3333% | 460 |
| Assets per employee ($millions) | 10.6247% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2682% | 6,475 |
| Loan loss allowance to noncurrent loans | 51.8908% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 5,224 |
| Noncurrent loans to loans | 0.5169% | 4,385 |
| Net loans and leases to total assets | 29.8059% | 6,255 |
| Net loans and leases to deposits | 37.6068% | 6,197 |
| Net loans and leases to core deposits | 39.2489% | 6,199 |
| Total domestic deposits to total assets | 79.2566% | 5,273 |
| Equity capital to assets | 9.5548% | 4,727 |
| Core capital (leverage) ratio | 9.7329% | 4,023 |
| Tier 1 risk-based capital ratio | 26.9407% | 714 |
| Total risk-based capital ratio | 27.1621% | 773 |
| Memoranda: | ||
| Average total assets | $311,173,500 | 2,104 |
| Average earning assets | $293,266,000 | 2,055 |
| Average equity | $29,495,750 | 2,313 |
| Average total loans | $93,533,000 | 3,597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2887% | 6,534 |
| Cost of funding earning assets | 0.8297% | 611 |
| Net interest margin | 1.4590% | 6,586 |
| Noninterest income to average assets | 0.0890% | 6,319 |
| Noninterest expense to average assets | 1.4376% | 6,448 |
| Loan and lease loss provision to assets | 0.0269% | 3,736 |
| Net operating income to assets | 0.0038% | 6,183 |
| Return on assets (ROA) | 0.0596% | 6,136 |
| Pretax return on assets | 0.0557% | 6,144 |
| Return on Equity (ROE) | 0.6302% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.6302% | 5,481 |
| Net charge-offs to loans | 0.1234% | 2,439 |
| Credit loss provision to net charge-offs | 72.4138% | 2,429 |
| Earnings coverage of net charge-offs (x) | 0.7241% | 3,988 |
| Efficiency ratio | 98.1627% | 459 |
| Assets per employee ($millions) | 10.7003% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 6,554 |
| Loan loss allowance to noncurrent loans | 61.0966% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 5,439 |
| Noncurrent loans to loans | 0.4120% | 4,753 |
| Net loans and leases to total assets | 29.8817% | 6,312 |
| Net loans and leases to deposits | 37.3296% | 6,248 |
| Net loans and leases to core deposits | 38.7698% | 6,251 |
| Total domestic deposits to total assets | 80.0483% | 5,224 |
| Equity capital to assets | 9.4982% | 4,753 |
| Core capital (leverage) ratio | 9.6402% | 4,125 |
| Tier 1 risk-based capital ratio | 26.5447% | 730 |
| Total risk-based capital ratio | 26.7519% | 805 |
| Memoranda: | ||
| Average total assets | $312,192,330 | 2,094 |
| Average earning assets | $294,315,000 | 2,043 |
| Average equity | $29,514,330 | 2,295 |
| Average total loans | $94,016,000 | 3,591 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3190% | 6,596 |
| Cost of funding earning assets | 0.8367% | 625 |
| Net interest margin | 1.4822% | 6,658 |
| Noninterest income to average assets | 0.1367% | 6,158 |
| Noninterest expense to average assets | 1.4588% | 6,522 |
| Loan and lease loss provision to assets | 0.0447% | 3,205 |
| Net operating income to assets | 0.0498% | 6,128 |
| Return on assets (ROA) | 0.0498% | 6,148 |
| Pretax return on assets | 0.0294% | 6,181 |
| Return on Equity (ROE) | 0.5282% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.5282% | 5,372 |
| Net charge-offs to loans | 0.1777% | 1,660 |
| Credit loss provision to net charge-offs | 83.3333% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 3,111 |
| Efficiency ratio | 95.1667% | 689 |
| Assets per employee ($millions) | 10.7267% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2603% | 6,616 |
| Loan loss allowance to noncurrent loans | 43.9421% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 5,265 |
| Noncurrent loans to loans | 0.5925% | 4,388 |
| Net loans and leases to total assets | 29.9262% | 6,359 |
| Net loans and leases to deposits | 37.3148% | 6,276 |
| Net loans and leases to core deposits | 38.7870% | 6,280 |
| Total domestic deposits to total assets | 80.1993% | 5,451 |
| Equity capital to assets | 9.5260% | 4,466 |
| Core capital (leverage) ratio | 9.5632% | 4,186 |
| Tier 1 risk-based capital ratio | 25.2809% | 862 |
| Total risk-based capital ratio | 25.4863% | 955 |
| Memoranda: | ||
| Average total assets | $313,133,500 | 2,092 |
| Average earning assets | $294,957,000 | 2,046 |
| Average equity | $29,534,500 | 2,294 |
| Average total loans | $94,544,000 | 3,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3566% | 6,657 |
| Cost of funding earning assets | 0.9289% | 640 |
| Net interest margin | 1.4278% | 6,727 |
| Noninterest income to average assets | 0.1767% | 6,024 |
| Noninterest expense to average assets | 1.4316% | 6,614 |
| Loan and lease loss provision to assets | 0.0411% | 4,296 |
| Net operating income to assets | 0.0729% | 6,095 |
| Return on assets (ROA) | 0.0729% | 6,142 |
| Pretax return on assets | 0.0479% | 6,161 |
| Return on Equity (ROE) | 0.7774% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.7774% | 5,488 |
| Net charge-offs to loans | 0.1366% | 3,434 |
| Credit loss provision to net charge-offs | 96.9697% | 2,573 |
| Earnings coverage of net charge-offs (x) | 2.0985% | 4,338 |
| Efficiency ratio | 94.1487% | 736 |
| Assets per employee ($millions) | 10.8687% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2611% | 6,694 |
| Loan loss allowance to noncurrent loans | 47.2590% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 5,277 |
| Noncurrent loans to loans | 0.5525% | 4,607 |
| Net loans and leases to total assets | 30.2996% | 6,450 |
| Net loans and leases to deposits | 38.0210% | 6,363 |
| Net loans and leases to core deposits | 39.4664% | 6,383 |
| Total domestic deposits to total assets | 79.6917% | 5,513 |
| Equity capital to assets | 9.3391% | 4,638 |
| Core capital (leverage) ratio | 9.4845% | 4,294 |
| Tier 1 risk-based capital ratio | 24.6755% | 890 |
| Total risk-based capital ratio | 24.8819% | 984 |
| Memoranda: | ||
| Average total assets | $311,339,800 | 2,071 |
| Average earning assets | $293,045,200 | 2,024 |
| Average equity | $29,200,400 | 2,299 |
| Average total loans | $96,628,400 | 3,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3285% | 6,743 |
| Cost of funding earning assets | 0.9440% | 664 |
| Net interest margin | 1.3845% | 6,816 |
| Noninterest income to average assets | 0.2023% | 5,971 |
| Noninterest expense to average assets | 1.4180% | 6,683 |
| Loan and lease loss provision to assets | 0.0361% | 4,296 |
| Net operating income to assets | 0.0773% | 6,174 |
| Return on assets (ROA) | 0.0773% | 6,229 |
| Pretax return on assets | 0.0498% | 6,259 |
| Return on Equity (ROE) | 0.8235% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.8235% | 5,650 |
| Net charge-offs to loans | 0.1817% | 2,775 |
| Credit loss provision to net charge-offs | 63.6364% | 3,213 |
| Earnings coverage of net charge-offs (x) | 1.5151% | 4,332 |
| Efficiency ratio | 94.2873% | 722 |
| Assets per employee ($millions) | 10.4659% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2118% | 6,788 |
| Loan loss allowance to noncurrent loans | 46.7120% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 5,536 |
| Noncurrent loans to loans | 0.4535% | 5,058 |
| Net loans and leases to total assets | 30.9054% | 6,499 |
| Net loans and leases to deposits | 38.4132% | 6,430 |
| Net loans and leases to core deposits | 39.8015% | 6,453 |
| Total domestic deposits to total assets | 80.4550% | 5,372 |
| Equity capital to assets | 9.1080% | 5,045 |
| Core capital (leverage) ratio | 9.5577% | 4,321 |
| Tier 1 risk-based capital ratio | 24.2263% | 964 |
| Total risk-based capital ratio | 24.3936% | 1,102 |
| Memoranda: | ||
| Average total assets | $310,376,750 | 2,085 |
| Average earning assets | $291,800,750 | 2,035 |
| Average equity | $29,141,500 | 2,330 |
| Average total loans | $96,847,500 | 3,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3584% | 6,785 |
| Cost of funding earning assets | 0.9612% | 669 |
| Net interest margin | 1.3971% | 6,863 |
| Noninterest income to average assets | 0.1436% | 6,332 |
| Noninterest expense to average assets | 1.4121% | 6,726 |
| Loan and lease loss provision to assets | 0.0382% | 4,185 |
| Net operating income to assets | 0.0537% | 6,234 |
| Return on assets (ROA) | 0.0537% | 6,313 |
| Pretax return on assets | 0.0058% | 6,346 |
| Return on Equity (ROE) | 0.5661% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.5661% | 5,675 |
| Net charge-offs to loans | 0.2502% | 2,226 |
| Credit loss provision to net charge-offs | 48.7603% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5620% | 4,350 |
| Efficiency ratio | 96.9791% | 616 |
| Assets per employee ($millions) | 9.9822% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2028% | 6,834 |
| Loan loss allowance to noncurrent loans | 21.3808% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 5,502 |
| Noncurrent loans to loans | 0.9487% | 4,033 |
| Net loans and leases to total assets | 30.5274% | 6,560 |
| Net loans and leases to deposits | 37.3742% | 6,510 |
| Net loans and leases to core deposits | 38.5341% | 6,523 |
| Total domestic deposits to total assets | 81.6802% | 5,150 |
| Equity capital to assets | 9.3250% | 4,823 |
| Core capital (leverage) ratio | 9.5970% | 4,084 |
| Tier 1 risk-based capital ratio | 23.7128% | 1,027 |
| Total risk-based capital ratio | 23.8659% | 1,177 |
| Memoranda: | ||
| Average total assets | $309,176,330 | 2,093 |
| Average earning assets | $290,455,670 | 2,054 |
| Average equity | $29,323,000 | 2,315 |
| Average total loans | $96,716,000 | 3,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4441% | 6,832 |
| Cost of funding earning assets | 0.9790% | 679 |
| Net interest margin | 1.4651% | 6,939 |
| Noninterest income to average assets | 0.1851% | 6,148 |
| Noninterest expense to average assets | 1.4251% | 6,793 |
| Loan and lease loss provision to assets | 0.0570% | 3,684 |
| Net operating income to assets | 0.1178% | 6,118 |
| Return on assets (ROA) | 0.1178% | 6,211 |
| Pretax return on assets | 0.0802% | 6,288 |
| Return on Equity (ROE) | 1.2315% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.2315% | 5,358 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2179% | 1,052 |
| Assets per employee ($millions) | 9.9932% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3063% | 6,889 |
| Loan loss allowance to noncurrent loans | 27.0417% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 5,408 |
| Noncurrent loans to loans | 1.1327% | 3,889 |
| Net loans and leases to total assets | 31.3091% | 6,548 |
| Net loans and leases to deposits | 38.4026% | 6,490 |
| Net loans and leases to core deposits | 39.5937% | 6,497 |
| Total domestic deposits to total assets | 81.5284% | 5,351 |
| Equity capital to assets | 9.4787% | 4,879 |
| Core capital (leverage) ratio | 9.6589% | 3,836 |
| Tier 1 risk-based capital ratio | 23.5586% | 1,080 |
| Total risk-based capital ratio | 23.7946% | 1,215 |
| Memoranda: | ||
| Average total assets | $309,041,000 | 2,129 |
| Average earning assets | $290,491,000 | 2,074 |
| Average equity | $29,556,500 | 2,332 |
| Average total loans | $97,745,000 | 3,570 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6850% | 6,882 |
| Cost of funding earning assets | 1.1146% | 856 |
| Net interest margin | 1.5703% | 6,989 |
| Noninterest income to average assets | 0.0898% | 6,543 |
| Noninterest expense to average assets | 1.4715% | 6,884 |
| Loan and lease loss provision to assets | 0.0247% | 5,584 |
| Net operating income to assets | 0.0767% | 6,049 |
| Return on assets (ROA) | 0.0869% | 6,174 |
| Pretax return on assets | 0.0863% | 6,175 |
| Return on Equity (ROE) | 0.9212% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.9212% | 5,410 |
| Net charge-offs to loans | 0.0561% | 5,152 |
| Credit loss provision to net charge-offs | 137.5000% | 2,008 |
| Earnings coverage of net charge-offs (x) | 5.6071% | 2,995 |
| Efficiency ratio | 93.5931% | 820 |
| Assets per employee ($millions) | 9.9449% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2576% | 6,954 |
| Loan loss allowance to noncurrent loans | 32.1883% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,782 |
| Noncurrent loans to loans | 0.8004% | 4,588 |
| Net loans and leases to total assets | 31.7708% | 6,639 |
| Net loans and leases to deposits | 39.1367% | 6,591 |
| Net loans and leases to core deposits | 40.2908% | 6,605 |
| Total domestic deposits to total assets | 81.1789% | 5,349 |
| Equity capital to assets | 9.6496% | 4,656 |
| Core capital (leverage) ratio | 9.7783% | 3,687 |
| Tier 1 risk-based capital ratio | 24.4121% | 920 |
| Total risk-based capital ratio | 24.6168% | 1,037 |
| Memoranda: | ||
| Average total assets | $311,732,000 | 2,061 |
| Average earning assets | $294,268,000 | 2,006 |
| Average equity | $29,416,600 | 2,286 |
| Average total loans | $99,837,400 | 3,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7318% | 6,988 |
| Cost of funding earning assets | 1.1396% | 904 |
| Net interest margin | 1.5922% | 7,102 |
| Noninterest income to average assets | 0.0840% | 6,675 |
| Noninterest expense to average assets | 1.4592% | 6,958 |
| Loan and lease loss provision to assets | 0.0239% | 5,495 |
| Net operating income to assets | 0.0968% | 6,135 |
| Return on assets (ROA) | 0.0968% | 6,275 |
| Pretax return on assets | 0.1045% | 6,267 |
| Return on Equity (ROE) | 1.0318% | 6,239 |
| Retained earnings to average equity (ytd only) | 1.0318% | 5,754 |
| Net charge-offs to loans | 0.0559% | 4,870 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.1664% | 2,648 |
| Efficiency ratio | 91.9130% | 893 |
| Assets per employee ($millions) | 10.0675% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2480% | 7,068 |
| Loan loss allowance to noncurrent loans | 27.9863% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 5,952 |
| Noncurrent loans to loans | 0.8861% | 4,659 |
| Net loans and leases to total assets | 31.7064% | 6,761 |
| Net loans and leases to deposits | 39.4628% | 6,696 |
| Net loans and leases to core deposits | 40.0457% | 6,737 |
| Total domestic deposits to total assets | 80.3449% | 5,565 |
| Equity capital to assets | 9.5356% | 5,158 |
| Core capital (leverage) ratio | 9.6710% | 4,010 |
| Tier 1 risk-based capital ratio | 24.3166% | 980 |
| Total risk-based capital ratio | 24.5152% | 1,112 |
| Memoranda: | ||
| Average total assets | $312,591,750 | 2,075 |
| Average earning assets | $295,177,500 | 2,021 |
| Average equity | $29,333,500 | 2,312 |
| Average total loans | $100,246,750 | 3,551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7732% | 7,052 |
| Cost of funding earning assets | 1.1667% | 958 |
| Net interest margin | 1.6065% | 7,170 |
| Noninterest income to average assets | 0.0844% | 6,737 |
| Noninterest expense to average assets | 1.4548% | 7,028 |
| Loan and lease loss provision to assets | 0.0269% | 5,332 |
| Net operating income to assets | 0.1062% | 6,138 |
| Return on assets (ROA) | 0.1062% | 6,302 |
| Pretax return on assets | 0.1189% | 6,290 |
| Return on Equity (ROE) | 1.1373% | 6,272 |
| Retained earnings to average equity (ytd only) | 1.1373% | 5,616 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8909% | 1,009 |
| Assets per employee ($millions) | 10.0762% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 7,129 |
| Loan loss allowance to noncurrent loans | 36.8775% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 6,176 |
| Noncurrent loans to loans | 0.7447% | 5,019 |
| Net loans and leases to total assets | 31.8544% | 6,812 |
| Net loans and leases to deposits | 39.5659% | 6,748 |
| Net loans and leases to core deposits | 39.9877% | 6,806 |
| Total domestic deposits to total assets | 80.5098% | 5,612 |
| Equity capital to assets | 9.4198% | 5,166 |
| Core capital (leverage) ratio | 9.6782% | 3,870 |
| Tier 1 risk-based capital ratio | 26.0102% | 804 |
| Total risk-based capital ratio | 26.2473% | 888 |
| Memoranda: | ||
| Average total assets | $312,758,330 | 2,073 |
| Average earning assets | $295,183,670 | 2,014 |
| Average equity | $29,191,330 | 2,308 |
| Average total loans | $100,596,000 | 3,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8016% | 7,107 |
| Cost of funding earning assets | 1.2102% | 939 |
| Net interest margin | 1.5914% | 7,229 |
| Noninterest income to average assets | 0.0895% | 6,787 |
| Noninterest expense to average assets | 1.4622% | 7,080 |
| Loan and lease loss provision to assets | 0.0153% | 5,129 |
| Net operating income to assets | 0.1035% | 6,232 |
| Return on assets (ROA) | 0.1035% | 6,360 |
| Pretax return on assets | 0.1112% | 6,368 |
| Return on Equity (ROE) | 1.1144% | 6,323 |
| Retained earnings to average equity (ytd only) | 1.1144% | 5,636 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0354% | 945 |
| Assets per employee ($millions) | 10.7664% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2416% | 7,192 |
| Loan loss allowance to noncurrent loans | 23.5294% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,049 |
| Noncurrent loans to loans | 1.0266% | 4,631 |
| Net loans and leases to total assets | 32.2748% | 6,818 |
| Net loans and leases to deposits | 40.0504% | 6,733 |
| Net loans and leases to core deposits | 40.4762% | 6,803 |
| Total domestic deposits to total assets | 80.5855% | 5,705 |
| Equity capital to assets | 9.3596% | 5,015 |
| Core capital (leverage) ratio | 9.6078% | 3,901 |
| Tier 1 risk-based capital ratio | 26.6683% | 754 |
| Total risk-based capital ratio | 26.8854% | 820 |
| Memoranda: | ||
| Average total assets | $312,956,500 | 2,077 |
| Average earning assets | $294,831,000 | 2,016 |
| Average equity | $29,075,000 | 2,318 |
| Average total loans | $101,006,500 | 3,570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 7,168 |
| Cost of funding earning assets | 1.2936% | 1,511 |
| Net interest margin | 1.7511% | 7,268 |
| Noninterest income to average assets | 0.0730% | 6,743 |
| Noninterest expense to average assets | 1.4904% | 7,173 |
| Loan and lease loss provision to assets | 0.0188% | 6,336 |
| Net operating income to assets | 0.1699% | 5,673 |
| Return on assets (ROA) | 0.1699% | 5,819 |
| Pretax return on assets | 0.2279% | 5,720 |
| Return on Equity (ROE) | 1.8473% | 5,720 |
| Retained earnings to average equity (ytd only) | 1.8473% | 4,901 |
| Net charge-offs to loans | 0.3022% | 3,887 |
| Credit loss provision to net charge-offs | 19.4079% | 5,924 |
| Earnings coverage of net charge-offs (x) | 2.5461% | 3,941 |
| Efficiency ratio | 85.7982% | 1,587 |
| Assets per employee ($millions) | 10.1190% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2297% | 7,248 |
| Loan loss allowance to noncurrent loans | 26.9767% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,276 |
| Noncurrent loans to loans | 0.8515% | 4,985 |
| Net loans and leases to total assets | 32.1233% | 6,941 |
| Net loans and leases to deposits | 40.0720% | 6,880 |
| Net loans and leases to core deposits | 40.5165% | 6,930 |
| Total domestic deposits to total assets | 80.1640% | 5,698 |
| Equity capital to assets | 9.2216% | 5,257 |
| Core capital (leverage) ratio | 9.5620% | 3,931 |
| Tier 1 risk-based capital ratio | 27.2176% | 698 |
| Total risk-based capital ratio | 27.4288% | 749 |
| Memoranda: | ||
| Average total assets | $313,735,600 | 2,047 |
| Average earning assets | $298,150,200 | 1,966 |
| Average equity | $28,853,200 | 2,281 |
| Average total loans | $100,602,000 | 3,602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 7,233 |
| Cost of funding earning assets | 1.2988% | 1,715 |
| Net interest margin | 1.7986% | 7,334 |
| Noninterest income to average assets | 0.0773% | 6,852 |
| Noninterest expense to average assets | 1.4976% | 7,225 |
| Loan and lease loss provision to assets | 0.0191% | 6,201 |
| Net operating income to assets | 0.1976% | 5,707 |
| Return on assets (ROA) | 0.1976% | 5,839 |
| Pretax return on assets | 0.2737% | 5,762 |
| Return on Equity (ROE) | 2.1501% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.1501% | 5,052 |
| Net charge-offs to loans | 0.0982% | 5,005 |
| Credit loss provision to net charge-offs | 60.8108% | 4,786 |
| Earnings coverage of net charge-offs (x) | 9.3112% | 2,066 |
| Efficiency ratio | 83.6459% | 1,765 |
| Assets per employee ($millions) | 10.0815% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4432% | 7,198 |
| Loan loss allowance to noncurrent loans | 49.5575% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 6,250 |
| Noncurrent loans to loans | 0.8942% | 5,074 |
| Net loans and leases to total assets | 32.2041% | 7,019 |
| Net loans and leases to deposits | 39.9538% | 6,977 |
| Net loans and leases to core deposits | 40.4799% | 7,025 |
| Total domestic deposits to total assets | 80.6035% | 5,564 |
| Equity capital to assets | 9.3570% | 5,295 |
| Core capital (leverage) ratio | 9.5569% | 4,063 |
| Tier 1 risk-based capital ratio | 26.6708% | 766 |
| Total risk-based capital ratio | 27.0714% | 830 |
| Memoranda: | ||
| Average total assets | $313,747,500 | 2,052 |
| Average earning assets | $298,822,750 | 1,965 |
| Average equity | $28,834,750 | 2,281 |
| Average total loans | $100,502,750 | 3,636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 7,297 |
| Cost of funding earning assets | 1.2968% | 1,958 |
| Net interest margin | 1.8651% | 7,390 |
| Noninterest income to average assets | 0.0719% | 6,952 |
| Noninterest expense to average assets | 1.5324% | 7,287 |
| Loan and lease loss provision to assets | 0.0191% | 6,048 |
| Net operating income to assets | 0.2107% | 5,705 |
| Return on assets (ROA) | 0.2107% | 5,822 |
| Pretax return on assets | 0.2986% | 5,673 |
| Return on Equity (ROE) | 2.3067% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.3067% | 4,824 |
| Net charge-offs to loans | 0.1475% | 4,305 |
| Credit loss provision to net charge-offs | 40.5405% | 4,808 |
| Earnings coverage of net charge-offs (x) | 6.7432% | 2,343 |
| Efficiency ratio | 82.8286% | 1,977 |
| Assets per employee ($millions) | 9.6771% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4293% | 7,274 |
| Loan loss allowance to noncurrent loans | 98.8584% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,647 |
| Noncurrent loans to loans | 0.4343% | 6,038 |
| Net loans and leases to total assets | 32.4289% | 7,099 |
| Net loans and leases to deposits | 39.9935% | 7,067 |
| Net loans and leases to core deposits | 40.5238% | 7,117 |
| Total domestic deposits to total assets | 81.0855% | 5,497 |
| Equity capital to assets | 9.3668% | 5,046 |
| Core capital (leverage) ratio | 9.5444% | 3,887 |
| Tier 1 risk-based capital ratio | 26.4377% | 770 |
| Total risk-based capital ratio | 26.8233% | 830 |
| Memoranda: | ||
| Average total assets | $314,155,000 | 2,051 |
| Average earning assets | $299,496,000 | 1,976 |
| Average equity | $28,698,670 | 2,268 |
| Average total loans | $100,305,670 | 3,678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 7,348 |
| Cost of funding earning assets | 1.3077% | 2,134 |
| Net interest margin | 1.8617% | 7,441 |
| Noninterest income to average assets | 0.0607% | 7,093 |
| Noninterest expense to average assets | 1.5778% | 7,319 |
| Loan and lease loss provision to assets | 0.0190% | 5,707 |
| Net operating income to assets | 0.1681% | 5,894 |
| Return on assets (ROA) | 0.1681% | 5,942 |
| Pretax return on assets | 0.2440% | 5,828 |
| Return on Equity (ROE) | 1.8637% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.8637% | 4,998 |
| Net charge-offs to loans | 0.1400% | 3,667 |
| Credit loss provision to net charge-offs | 42.8571% | 3,891 |
| Earnings coverage of net charge-offs (x) | 5.9429% | 2,179 |
| Efficiency ratio | 85.7143% | 1,740 |
| Assets per employee ($millions) | 9.7608% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4517% | 7,314 |
| Loan loss allowance to noncurrent loans | 93.0754% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 6,658 |
| Noncurrent loans to loans | 0.4853% | 6,045 |
| Net loans and leases to total assets | 32.2473% | 7,158 |
| Net loans and leases to deposits | 39.8433% | 7,106 |
| Net loans and leases to core deposits | 40.3226% | 7,158 |
| Total domestic deposits to total assets | 80.9352% | 5,677 |
| Equity capital to assets | 9.1607% | 4,936 |
| Core capital (leverage) ratio | 9.4013% | 3,963 |
| Tier 1 risk-based capital ratio | 26.4905% | 740 |
| Total risk-based capital ratio | 26.9009% | 794 |
| Memoranda: | ||
| Average total assets | $316,398,500 | 2,061 |
| Average earning assets | $302,522,000 | 1,972 |
| Average equity | $28,545,000 | 2,267 |
| Average total loans | $100,031,000 | 3,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 7,376 |
| Cost of funding earning assets | 1.6579% | 1,788 |
| Net interest margin | 1.8716% | 7,489 |
| Noninterest income to average assets | 0.0505% | 7,101 |
| Noninterest expense to average assets | 1.5315% | 7,433 |
| Loan and lease loss provision to assets | 0.0161% | 6,948 |
| Net operating income to assets | 0.2138% | 5,237 |
| Return on assets (ROA) | 0.2138% | 5,397 |
| Pretax return on assets | 0.3171% | 5,183 |
| Return on Equity (ROE) | 2.3646% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.3646% | 4,226 |
| Net charge-offs to loans | -0.0010% | 7,230 |
| Credit loss provision to net charge-offs | -5,100.0000% | 7,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1308% | 2,148 |
| Assets per employee ($millions) | 9.1557% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4824% | 7,371 |
| Loan loss allowance to noncurrent loans | 63.4309% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 6,648 |
| Noncurrent loans to loans | 0.7605% | 5,524 |
| Net loans and leases to total assets | 30.7083% | 7,331 |
| Net loans and leases to deposits | 37.9505% | 7,304 |
| Net loans and leases to core deposits | 38.2801% | 7,346 |
| Total domestic deposits to total assets | 80.9166% | 5,546 |
| Equity capital to assets | 8.8865% | 5,308 |
| Core capital (leverage) ratio | 9.1663% | 4,232 |
| Tier 1 risk-based capital ratio | 25.4483% | 807 |
| Total risk-based capital ratio | 25.8617% | 866 |
| Memoranda: | ||
| Average total assets | $316,622,000 | 2,053 |
| Average earning assets | $306,895,800 | 1,941 |
| Average equity | $28,631,200 | 2,267 |
| Average total loans | $95,465,400 | 3,909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 7,497 |
| Cost of funding earning assets | 1.7270% | 1,734 |
| Net interest margin | 1.8645% | 7,613 |
| Noninterest income to average assets | 0.0482% | 7,282 |
| Noninterest expense to average assets | 1.4787% | 7,556 |
| Loan and lease loss provision to assets | 0.0152% | 6,888 |
| Net operating income to assets | 0.2386% | 5,396 |
| Return on assets (ROA) | 0.2386% | 5,558 |
| Pretax return on assets | 0.3641% | 5,333 |
| Return on Equity (ROE) | 2.6275% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.6275% | 4,578 |
| Net charge-offs to loans | -0.0014% | 7,172 |
| Credit loss provision to net charge-offs | -3,600.0000% | 7,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5863% | 2,412 |
| Assets per employee ($millions) | 9.2189% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 7,472 |
| Loan loss allowance to noncurrent loans | 69.3694% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 6,850 |
| Noncurrent loans to loans | 0.6990% | 5,812 |
| Net loans and leases to total assets | 29.3866% | 7,484 |
| Net loans and leases to deposits | 35.5790% | 7,483 |
| Net loans and leases to core deposits | 35.8799% | 7,504 |
| Total domestic deposits to total assets | 82.5954% | 4,754 |
| Equity capital to assets | 8.9785% | 5,608 |
| Core capital (leverage) ratio | 9.0643% | 4,580 |
| Tier 1 risk-based capital ratio | 25.4722% | 825 |
| Total risk-based capital ratio | 25.8745% | 869 |
| Memoranda: | ||
| Average total assets | $315,664,750 | 2,091 |
| Average earning assets | $306,423,000 | 1,970 |
| Average equity | $28,669,750 | 2,297 |
| Average total loans | $94,611,250 | 4,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 7,543 |
| Cost of funding earning assets | 1.7989% | 1,644 |
| Net interest margin | 1.8798% | 7,678 |
| Noninterest income to average assets | 0.0460% | 7,352 |
| Noninterest expense to average assets | 1.4598% | 7,632 |
| Loan and lease loss provision to assets | 0.0153% | 6,765 |
| Net operating income to assets | 0.2591% | 5,337 |
| Return on assets (ROA) | 0.2591% | 5,479 |
| Pretax return on assets | 0.3964% | 5,240 |
| Return on Equity (ROE) | 2.8422% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.8422% | 4,333 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0014% | 2,727 |
| Assets per employee ($millions) | 9.4917% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4723% | 7,539 |
| Loan loss allowance to noncurrent loans | 46.4803% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 6,659 |
| Noncurrent loans to loans | 1.0161% | 5,276 |
| Net loans and leases to total assets | 29.3200% | 7,554 |
| Net loans and leases to deposits | 35.7720% | 7,536 |
| Net loans and leases to core deposits | 36.1535% | 7,568 |
| Total domestic deposits to total assets | 81.9635% | 4,999 |
| Equity capital to assets | 8.9481% | 5,525 |
| Core capital (leverage) ratio | 9.1274% | 4,414 |
| Tier 1 risk-based capital ratio | 25.5896% | 803 |
| Total risk-based capital ratio | 25.9845% | 851 |
| Memoranda: | ||
| Average total assets | $313,332,670 | 2,127 |
| Average earning assets | $304,293,670 | 1,999 |
| Average equity | $28,569,670 | 2,298 |
| Average total loans | $94,388,000 | 4,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 7,585 |
| Cost of funding earning assets | 1.8741% | 1,554 |
| Net interest margin | 1.9342% | 7,741 |
| Noninterest income to average assets | 0.0259% | 7,577 |
| Noninterest expense to average assets | 1.4541% | 7,737 |
| Loan and lease loss provision to assets | 0.0156% | 6,471 |
| Net operating income to assets | 0.2838% | 5,356 |
| Return on assets (ROA) | 0.2838% | 5,489 |
| Pretax return on assets | 0.4342% | 5,183 |
| Return on Equity (ROE) | 3.0828% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.0828% | 4,290 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3785% | 3,154 |
| Assets per employee ($millions) | 9.1512% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 7,623 |
| Loan loss allowance to noncurrent loans | 59.9451% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 6,872 |
| Noncurrent loans to loans | 0.7761% | 5,776 |
| Net loans and leases to total assets | 30.0499% | 7,621 |
| Net loans and leases to deposits | 36.5451% | 7,611 |
| Net loans and leases to core deposits | 36.9470% | 7,637 |
| Total domestic deposits to total assets | 82.2271% | 4,967 |
| Equity capital to assets | 9.1772% | 5,021 |
| Core capital (leverage) ratio | 9.4097% | 3,898 |
| Tier 1 risk-based capital ratio | 26.0265% | 771 |
| Total risk-based capital ratio | 26.4200% | 826 |
| Memoranda: | ||
| Average total assets | $308,640,000 | 2,204 |
| Average earning assets | $299,660,500 | 2,080 |
| Average equity | $28,416,000 | 2,336 |
| Average total loans | $94,047,000 | 4,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 7,492 |
| Cost of funding earning assets | 2.4213% | 1,239 |
| Net interest margin | 1.9629% | 7,757 |
| Noninterest income to average assets | 0.0342% | 7,573 |
| Noninterest expense to average assets | 1.6105% | 7,762 |
| Loan and lease loss provision to assets | 0.0144% | 7,351 |
| Net operating income to assets | 0.2103% | 4,870 |
| Return on assets (ROA) | 0.2103% | 4,931 |
| Pretax return on assets | 0.3170% | 4,714 |
| Return on Equity (ROE) | 2.1838% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.1838% | 3,582 |
| Net charge-offs to loans | 0.0363% | 6,762 |
| Credit loss provision to net charge-offs | 123.5294% | 4,269 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 802 |
| Efficiency ratio | 82.9371% | 2,482 |
| Assets per employee ($millions) | 9.2769% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4514% | 7,711 |
| Loan loss allowance to noncurrent loans | 56.9705% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,852 |
| Noncurrent loans to loans | 0.7923% | 5,694 |
| Net loans and leases to total assets | 30.6182% | 7,697 |
| Net loans and leases to deposits | 37.3706% | 7,695 |
| Net loans and leases to core deposits | 42.1720% | 7,732 |
| Total domestic deposits to total assets | 81.9314% | 4,983 |
| Equity capital to assets | 9.2370% | 4,792 |
| Core capital (leverage) ratio | 9.4562% | 3,774 |
| Tier 1 risk-based capital ratio | 24.7556% | 873 |
| Total risk-based capital ratio | 25.1223% | 942 |
| Memoranda: | ||
| Average total assets | $292,454,200 | 2,267 |
| Average earning assets | $284,227,200 | 2,164 |
| Average equity | $28,161,800 | 2,359 |
| Average total loans | $93,655,000 | 4,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 7,548 |
| Cost of funding earning assets | 2.5380% | 1,182 |
| Net interest margin | 1.9269% | 7,842 |
| Noninterest income to average assets | 0.0378% | 7,699 |
| Noninterest expense to average assets | 1.5887% | 7,841 |
| Loan and lease loss provision to assets | 0.0138% | 7,194 |
| Net operating income to assets | 0.1993% | 5,160 |
| Return on assets (ROA) | 0.1993% | 5,244 |
| Pretax return on assets | 0.3086% | 5,039 |
| Return on Equity (ROE) | 2.0474% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.0474% | 4,179 |
| Net charge-offs to loans | 0.0485% | 6,237 |
| Credit loss provision to net charge-offs | 88.2353% | 5,529 |
| Earnings coverage of net charge-offs (x) | 20.5599% | 1,233 |
| Efficiency ratio | 83.1282% | 2,415 |
| Assets per employee ($millions) | 9.1748% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 7,790 |
| Loan loss allowance to noncurrent loans | 57.2816% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,925 |
| Noncurrent loans to loans | 0.7546% | 5,797 |
| Net loans and leases to total assets | 31.4206% | 7,771 |
| Net loans and leases to deposits | 38.4171% | 7,773 |
| Net loans and leases to core deposits | 43.6838% | 7,803 |
| Total domestic deposits to total assets | 81.7878% | 4,774 |
| Equity capital to assets | 9.3180% | 5,006 |
| Core capital (leverage) ratio | 9.4709% | 3,953 |
| Tier 1 risk-based capital ratio | 24.7684% | 921 |
| Total risk-based capital ratio | 25.1273% | 988 |
| Memoranda: | ||
| Average total assets | $289,033,250 | 2,304 |
| Average earning assets | $281,004,000 | 2,190 |
| Average equity | $28,132,750 | 2,386 |
| Average total loans | $93,529,000 | 4,163 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 7,576 |
| Cost of funding earning assets | 2.6660% | 1,122 |
| Net interest margin | 1.8910% | 7,913 |
| Noninterest income to average assets | 0.0443% | 7,759 |
| Noninterest expense to average assets | 1.5278% | 7,956 |
| Loan and lease loss provision to assets | 0.0127% | 7,088 |
| Net operating income to assets | 0.2201% | 5,186 |
| Return on assets (ROA) | 0.2201% | 5,273 |
| Pretax return on assets | 0.3410% | 5,097 |
| Return on Equity (ROE) | 2.2273% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.2273% | 4,102 |
| Net charge-offs to loans | 0.1378% | 4,790 |
| Credit loss provision to net charge-offs | 28.1250% | 6,050 |
| Earnings coverage of net charge-offs (x) | 7.8594% | 2,374 |
| Efficiency ratio | 81.2033% | 2,850 |
| Assets per employee ($millions) | 9.0310% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3969% | 7,901 |
| Loan loss allowance to noncurrent loans | 68.8312% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 7,086 |
| Noncurrent loans to loans | 0.5766% | 6,107 |
| Net loans and leases to total assets | 31.2439% | 7,863 |
| Net loans and leases to deposits | 38.3023% | 7,855 |
| Net loans and leases to core deposits | 43.3716% | 7,885 |
| Total domestic deposits to total assets | 81.5719% | 4,868 |
| Equity capital to assets | 9.4254% | 4,707 |
| Core capital (leverage) ratio | 9.6611% | 3,685 |
| Tier 1 risk-based capital ratio | 24.2959% | 999 |
| Total risk-based capital ratio | 24.6135% | 1,080 |
| Memoranda: | ||
| Average total assets | $284,454,330 | 2,350 |
| Average earning assets | $276,367,000 | 2,241 |
| Average equity | $28,106,330 | 2,399 |
| Average total loans | $92,857,000 | 4,206 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 7,557 |
| Cost of funding earning assets | 2.8295% | 912 |
| Net interest margin | 1.8319% | 7,964 |
| Noninterest income to average assets | 0.0389% | 7,889 |
| Noninterest expense to average assets | 1.5270% | 7,966 |
| Loan and lease loss provision to assets | 0.0130% | 6,681 |
| Net operating income to assets | 0.1786% | 5,721 |
| Return on assets (ROA) | 0.1786% | 5,896 |
| Pretax return on assets | 0.2766% | 5,743 |
| Return on Equity (ROE) | 1.7642% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.7642% | 4,870 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0603% | 2,298 |
| Assets per employee ($millions) | 8.7038% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 7,870 |
| Loan loss allowance to noncurrent loans | 75.6661% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 6,946 |
| Noncurrent loans to loans | 0.6156% | 5,860 |
| Net loans and leases to total assets | 31.6946% | 7,872 |
| Net loans and leases to deposits | 39.1511% | 7,868 |
| Net loans and leases to core deposits | 43.9532% | 7,906 |
| Total domestic deposits to total assets | 80.9544% | 4,988 |
| Equity capital to assets | 9.6116% | 4,511 |
| Core capital (leverage) ratio | 10.0784% | 3,316 |
| Tier 1 risk-based capital ratio | 24.7733% | 1,001 |
| Total risk-based capital ratio | 25.1476% | 1,071 |
| Memoranda: | ||
| Average total assets | $277,670,000 | 2,407 |
| Average earning assets | $269,447,000 | 2,297 |
| Average equity | $28,114,500 | 2,409 |
| Average total loans | $92,543,000 | 4,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 7,860 |
| Cost of funding earning assets | 3.2974% | 939 |
| Net interest margin | 1.6657% | 8,160 |
| Noninterest income to average assets | 0.0385% | 7,942 |
| Noninterest expense to average assets | 1.5545% | 8,004 |
| Loan and lease loss provision to assets | 0.0023% | 7,319 |
| Net operating income to assets | 0.1911% | 5,877 |
| Return on assets (ROA) | 0.1911% | 5,694 |
| Pretax return on assets | 0.0938% | 5,959 |
| Return on Equity (ROE) | 1.7920% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.7920% | 4,123 |
| Net charge-offs to loans | 0.0458% | 6,135 |
| Credit loss provision to net charge-offs | 14.2857% | 6,600 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,468 |
| Efficiency ratio | 94.1761% | 1,268 |
| Assets per employee ($millions) | 8.1247% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 7,927 |
| Loan loss allowance to noncurrent loans | 73.8053% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 6,729 |
| Noncurrent loans to loans | 0.6035% | 5,564 |
| Net loans and leases to total assets | 34.7643% | 7,874 |
| Net loans and leases to deposits | 43.6283% | 7,862 |
| Net loans and leases to core deposits | 48.3567% | 7,919 |
| Total domestic deposits to total assets | 79.6829% | 5,141 |
| Equity capital to assets | 10.6753% | 3,313 |
| Core capital (leverage) ratio | 10.5172% | 2,965 |
| Tier 1 risk-based capital ratio | 24.7649% | 1,005 |
| Total risk-based capital ratio | 25.1328% | 1,076 |
| Memoranda: | ||
| Average total assets | $262,148,400 | 2,448 |
| Average earning assets | $253,711,600 | 2,335 |
| Average equity | $27,957,400 | 2,413 |
| Average total loans | $91,778,600 | 4,165 |